text
stringlengths 1
40.1k
| label
stringclasses 838
values | dataType
stringclasses 2
values | communityName
stringclasses 838
values | datetime
stringlengths 10
10
| username_encoded
stringlengths 136
160
| url_encoded
stringlengths 220
528
|
|---|---|---|---|---|---|---|
Yeah, but ETC is totally different from XRP. XRP has a CEO + a full team + marketing 24/7. also ADA too - Ceo is out there constantly doing interviews and pushing development. their prices pump because they've got actual stuff happening. they have multiple narratives to support it. sadly ETC have no narratives | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-07 | Z0FBQUFBQm5teE5QVHNtX0FmWXVWTEVFck80c3dwQk5GUEJLZXBUcGZqVkpPZkpXaV9lZ18ySXFKSEZKWnFGc2YtQlZDbVlJanlSVVVlajNjTjd6U0lWaHJlRkFSMTVmMHc9PQ== | Z0FBQUFBQm5teE5RQjVXTUlSeXZVS2JfNFNtUU5nOU5aNkhmaWgtY3p0ZE1jNV9LWFRhckY3MjJEcXFjUkRtNXkyMHVKN3lXM0JUel9EeE9YejNDSEhLNDFpNk5qM1VuWWZUWUYyRk5NR0VpbGNsbjdTQUVtUWtuQVdSdkhORDdoQjlBbXJVOWNMRFVON05WSTNybEpSRldjekVJc2txRFNrUnRNSzRaRmVIbHBtQzFCcGtiNGZkTjdIaXhtZjgyNEVNclJLNlQzb2Q4cGhBWEtscldyNXVqVVVQb0hnQVQzRTcybi1uMkhQOENoV0RRTjhkU3hlRT0= |
Give yourself favor sell it | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-07 | Z0FBQUFBQm5teE5QWjhNMjVCQ3RXemtqSTdVRTZEOEdMY1JjdF9OUVptMGducjlVc1NwRjZhcGlxX2puN3pVS0pfZGdiRElmQUhsb1VDcjAyNXctWUJ5U21LZV9CaHdrS0E9PQ== | Z0FBQUFBQm5teE5RMVdJSkJnS1F1cnJEeUszWXJtMEIyZ3ZsVVhRalZGeDlfWWdjeDNXS3ZlV3laT3ktbE5XSFF5Y2VoUkVCOUMzUFVuZXlzR19KZkczT2F1cnl0cmJNLVVONGt5NG43LVdMT0JOZ3I3RmlGTVJOamkybjh1U2xHSUltbjY5dTc3LU9oNW05dmtmcE1BVXhtME5mZDFkRVNvTGgzVFkyY2tjQ1RxSmZYYkhCazc0YkNfZ3BJbU9IRDVKUHJNVXZXYndnOWZkTUNlUkVpSngyWmVzUmR2NE1qWDlBWEVtM0F1UTh2dTBhLTJrczRUZz0= |
yes | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-07 | Z0FBQUFBQm5teE5QLWNSZzAxYkVRQU5BVERqbmEzUXhkOWEtN0ZsM3hnT1dqZmJWNWszRjdSLVRTaHFWdk1jcHpybUo1Ylp0WGFBeTFPbzVtV1JNa2g1c1R5M3NZZTFQMmc9PQ== | Z0FBQUFBQm5teE5RaGN5bUNLcVVZa0hXdVB4aG5VVmtSWDZhZERSZG1DMEIxR0l5QUJVWGdDVmg3d3g2NXNjeWJTbXRuVERLOGdocHVZSE5zWEtvdEE0S2Ffc3BIdU82ZWtvUFc3elB4V3dfcUF4RU55a3hZSkxEZERDbm9VcXlkOHRBNnhtRS1wLVdYNWtRbnpkSTlmSUhJS0lfbFZlUGMxZmdfTkZsY0IwZzdCWDdmblZscUY0MXcyNm1ONURwZDlGMUFsZl83OVRRR19fUFIweWhXZHVDN0J1UTROdFhFR2RwSW0wV3AxWkQ1VXRzdnlYQmlwST0= |
😭😭 | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-07 | Z0FBQUFBQm5teE5Qa1ZVWWFQZ3ZldUVBVjdUUVVBQk53dUVSNnlBQk1keUhGWlppVHF5VVNHaXdyeURNRjBvSV9GdUZXVHpfME1zRURNSzVpeWR2bXYtNWFsdWFMendFV0E9PQ== | Z0FBQUFBQm5teE5RWnB0V2JvNFBuaktYMHJQME1ONXJ5anVZYlB3S1BRYjV4U09heUZOUGtEZ01heWRNaFRKemI5UlFOZFg3VS0xQ2tqTkNRNUViSVpZdjJIZ3hJVEFNTGFCbE5ub0t0NjJoOUp2aXdjV2diRngzdFJvbFRBenBSU2lCOTZqa0tKUlBkSFNXYk5XV1dsNy1jLXBYM1RSaF9RZjZtaVhnMWhkM2dxMDlLS05FdGNHeHZLQmQwU3cwcWtRcXZTbGxKd2VRMUtpYmhwZ3Rpd1dUemJ3SlIxRTNWWEthaTFLSHBrcnRqbHpBN2pzSGVBTT0= |
Hey everyone! I want to share one of my top trading strategies. I specialize in small-cap stocks, mostly on the long side, so this is a breakout-type strategy for stocks with a market cap of less than 3 billion. I call it the "Highest Volume Day Strategy," and I’ll show you how I identify and trade stocks that have high odds of seeing double or even triple percentage upward movement in a day. I’ve been trading this strategy daily for the past five years, but I’ve only kept a detailed record of its statistics for the past year. I’ll start off by sharing the results and then explain the strategy:
* **Average % gain from triggered entry**: 42.3%
* **71% success rate** of capturing at least a 5% return on investment
* **Average Risk:Reward potential**: 1:3
*Past performance is not indicative of future results. Always conduct your own research and consult a financial advisor before making any trading or investment decisions.*
# Step 1: Find Stocks with Unusual Premarket Volume
I start by scanning for stocks with unusually high premarket volume (at least 1 million shares). I compare this volume to the stock’s daily chart. If the premarket volume is already close to (or higher than) the stock’s highest volume day, it’s likely to see a big move once regular trading begins.
**Example:**
* On the daily chart, a stock’s highest volume day is 2 million shares.
* In premarket, it has already traded 3 million shares.
* This suggests a high likelihood of significant movement during the day or in upcoming days.
# Step 2: Look for a Premarket Pattern
Once I identify a stock with high premarket volume, I check its premarket price action:
* I look for a strong initial move up followed by major consolidation (a tight range where the price moves sideways).
* There must only be *one* major consolidation period in premarket. If there is more than one, the stock has lower odds of making a big upward run in the regular session.
# Step 3: Mark Key Levels
* **Resistance**: I draw a line at the top of the premarket consolidation (Premarket High).
* **Support**: I draw a line at the bottom of the major consolidation.
These levels act as my guide for the rest of the trade.
# Step 4: Identify the Target
Here’s how I set my targets:
* **Percentage Gain**: A 5% gain on the trade is the most common.
* **Risk:Reward**: Targets are often based on a positive risk-reward ratio, with 1:3 being the average.
* **Measured Move**: Targets are based on the premarket range.
**Measured Move Example:**
* If the premarket high is $2.50 and the bottom of the consolidation is $2.00, the range is $0.50.
* Add that range to the premarket high to get the first target price.
* Target: $2.50 + $0.50 = **$3.00**
# Step 5: Watch for the Breakout
When the market opens, I wait for the price to break above the premarket high.
* I usually buy the immediate breakout or wait for confirmation using a pattern setup like a retest, bull flag, or ABCD pattern.
* If the price holds above the premarket high (turning it into support), it’s likely to continue higher.
# Key Criteria to Watch
1. **Premarket Volume**: It must be close to or exceed the highest volume the stock has seen on any previous day.
2. **Price Action Pattern**: I look for a strong initial move followed by a consolidation phase.
3. **Clean Chart**: I avoid stocks with large volume days in the past, especially if those days occurred at a price level above my intended entry.
4. **Unbroken Consolidation**: The price should not have already broken out of the premarket range before the market opens.
# Risks and Challenges
* **Fakeouts**: Some stocks may give false signals, so patience and risk management are key. I start with a wider stop and adjust as the price action develops to give the trade room to breathe. My stop loss is typically placed below the day’s highest volume area. I always calculate my position size to risk the same amount on every trade and exit if my stop loss is triggered.
* **Fast Moves**: Breakouts can happen quickly, so I always have my plan fully prepared and ready to execute before entering.
I hope this strategy helps, whether you decide to test it out yourself or take pieces of it to develop your own approach. Trading requires focus, preparation, and discipline, but with time and effort, you can refine strategies that work for you. Good luck! 🙌 | r/daytrading | post | r/Daytrading | 2025-01-07 | Z0FBQUFBQm5teE5QSHR5T2JzVWc1SXdGZFNUQktQQUlLNkJuakxoYk5zbkRTSHA1amNYaF8wREwzV0pzNjkzREFod1p0U0hweFBwSXA0SjFiazZJUThvZXJzMTF6YlZYeFE9PQ== | Z0FBQUFBQm5teE5RbEhvMTBZVlJnRmFNYjExSTdSOXctR3hUaGswWWNyQ0RWamk4MUJNRFl3VkNjU2x1X1Zma2piZ0tMMERnUzZNTFJDeFI3SzlzTGJjeWtBcTBuQlo4T3NHRDVsbjFFVXV4ZHhicUlaSnVqQzN1UVozX0I1QV9jWlVEdWxjcVhjT0haTEJlbVRuTmhKNU5DNG5DejZDNEZUTWZIMi05bXR0OEJBMEJGOVVFOG95Z1pzSURSSWdJNzRmbEpnYkhqdzdLTDFablhmY1hkelVTVU1MMEkydnlWQT09 |
Sadly these are facts - ETC has no support or narratives 😭 | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-07 | Z0FBQUFBQm5teE5QRFBDdXh5azFQdnVhOGRyVG1HaHdEbi1sc1h5NlJseXlJRGJpTTctN3ZkWnZKTWQ2VjBOd01ObXNwU1ZqYzNSOHA5MFg1N1lORzFWWHZsOE9FeEVBekE9PQ== | Z0FBQUFBQm5teE5RdGxnTGxKQlk3WHN3NWY2QUlFZDR2dkRlUHN0eV9neUhTYXRVcEQxOVo1LTlNd1BEb092S3dIT2cwa3FiTWZ4Y1RGV0lzd2I3WW1QT2VOS2haXzJQQ0xHd1M0cnNhMF90dTRkMkR1M3l0blV6REExVEpBZllHUExIV3ZQLVRNYzh3YXZZNFN4UF9lcFhZNEc5TzYyVkhhVUgwcFhvOXpXM2M2LUNaYjh4dFYxRFBTNnBOeWFjcDhNOWlYTlFhTFN4bVUzamliTmRTRVJOaUJWdk4tS18yd3JnX3UyM0E3U2xTNmZ2TmVOMUYwRT0= |
yes | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-07 | Z0FBQUFBQm5teE5QdUw1MmsxNTQ3ZWl5WHo1cl9MeFFZdWptMUgzUEU4aEtRZjZoMklrR3lER0ZrYkNfYy1KcW92ZnpZdTR6M3ZZUFpPdU1ZclBzNjNlaGNCWldvN0NsRFE9PQ== | Z0FBQUFBQm5teE5RZEk0Ukx1djc2WEJjcVR0ZWtCNThJdFROUmNjeGRZMlluM0NrTlBjSmJ6amZIOW43X29GNjhIdFAxZWpaS0RzOUE5NjFPNER4SW42SmQzaWR6LVpYcHI1b21ySkF5Wld1NmFJYmMwZENsV2ZPcXNoUm5NeEM5R0V0SV8zWGJEMDBKX3pxa01GLVFhVTIxckdPbnZBeENSZWxWaFhud0ZGN0RLeVVLRlZ6ZTlTYTIySTBsbE9tbXA4SDhqMUJyZ1lBYWRaRmlQeU80cERRZ3dZb2xRRUpKLW1KWnRjdUlLWWZqMDFaa2hodGNOTT0= |
Got the source of that ? | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-07 | Z0FBQUFBQm5teE5QU25OdjFxX2dkbUFIaXEzR0lHYkp6bjhLU2dSTkh4ei1veFpaakxzT0ZGQVZfUWZRVGZ6V1VGQ2U0elE1YXhhelQ3U2FtSFl0VGd0aU5fMFhnUjcxRXc9PQ== | Z0FBQUFBQm5teE5RcXJBRjhBVmtyX3hzYThWeVE3TjJIWnBkYUxkcmNKX3NpSFlwXzJZcWRTc1M4SVdQMXliMXpMRWxObEhraEdGQmR2QWJMX0ZTejdUMkRmZXk5UEx2YWlPNmVrNUdtS1lESDQyRlUwa0lSRWtlNUJzZU9VYTgxRkFPc0RTUU8za3psODBTRk9xZXB2T284aWVzYmdtVW1NQkxJbml4bFQ1ZTlNNlBWeTE4aV93QU5aSGpsUjNNMjFJajNNT3cwUjJ2dUFtNWt5YzFaaEItaDI3VGNZcGxuYTJzbi16ak5WNG9YMW1hb1VqdFJWaz0= |
!remindme 1 year | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-07 | Z0FBQUFBQm5teE5QUkhTdGNFZXBOLUhkeE4xT0ljZXR2cXR1NmJwNDR0bFBmTlZLbnFPTHdHcWJyRFQ1WGF5Y1lTbDY2QXlnSmJYYjROWmF1dmhwRUtjZ18tTlNMQ0t0WlE9PQ== | Z0FBQUFBQm5teE5RSGpkUFB6aXZJNm14S1BKRHZXb0FsaHRtZXFpUW5NbndMaHJCV25sVzczc1BFdjJzYlZSQzNmb2trbE1LMHdlX3I4UjVaS1lBU09KbXg0NDdiYnNnYnQ4QThVTXJHYmNON25oQm9qQ1dUYmstTGxVSGR2dnNHZUpRTWN2UlVacDdOcFQ0Ukg3bXpRdmcyWjVxaGI0T1FoaVNUOGVTTzd5azlsSzBHTXlFVUR4WnFnUy05M1A5ZFNTa2daTkMyUXZXcGFGMDJuZ0s0c1RXOGJ4dU83alRuejh2TF8wTDJmRnNyNmNVZU1xMkVjWT0= |
I will be messaging you in 1 year on [**2026-01-07 17:44:36 UTC**](http://www.wolframalpha.com/input/?i=2026-01-07%2017:44:36%20UTC%20To%20Local%20Time) to remind you of [**this link**](https://www.reddit.com/r/EthereumClassic/comments/1hvu9du/i_was_doing_more_research_and_its_not_looking/m5wlh1a/?context=3)
[**CLICK THIS LINK**](https://www.reddit.com/message/compose/?to=RemindMeBot&subject=Reminder&message=%5Bhttps%3A%2F%2Fwww.reddit.com%2Fr%2FEthereumClassic%2Fcomments%2F1hvu9du%2Fi_was_doing_more_research_and_its_not_looking%2Fm5wlh1a%2F%5D%0A%0ARemindMe%21%202026-01-07%2017%3A44%3A36%20UTC) to send a PM to also be reminded and to reduce spam.
^(Parent commenter can ) [^(delete this message to hide from others.)](https://www.reddit.com/message/compose/?to=RemindMeBot&subject=Delete%20Comment&message=Delete%21%201hvu9du)
*****
|[^(Info)](https://www.reddit.com/r/RemindMeBot/comments/e1bko7/remindmebot_info_v21/)|[^(Custom)](https://www.reddit.com/message/compose/?to=RemindMeBot&subject=Reminder&message=%5BLink%20or%20message%20inside%20square%20brackets%5D%0A%0ARemindMe%21%20Time%20period%20here)|[^(Your Reminders)](https://www.reddit.com/message/compose/?to=RemindMeBot&subject=List%20Of%20Reminders&message=MyReminders%21)|[^(Feedback)](https://www.reddit.com/message/compose/?to=Watchful1&subject=RemindMeBot%20Feedback)|
|-|-|-|-| | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-07 | Z0FBQUFBQm5teE5QMnpwM2ZDZ1pfTnFDT3puYVZLdWJ2eFpKVE5vVUpuaVBtUDVaZGIxM1dyNmx4a2Frd1lFWnQ4LUNZSWZGRTh1UUk3M3hPM3BLbHlQTGh4V3JMc3REbHc9PQ== | Z0FBQUFBQm5teE5RWkdtQ2I0a2tEamE5bFI1aXU4dmZRMkZ4T3VwLXd2SW5raG84Yy1iUU1mWTdQcXJGTTl6TEdvVjE3UXRxRFdacV8xUl9vaEt5eTBhaTg1LXhrcUUxcmZOSHo3SzhGUHZBeURrYTBycGZ4REMwOGYzYVlSM3NBTmNualVZd1AzUDU3Rm9yNjJBTnNyX18yYlQyVFVORzZaZ3l6U3JNSC1OOW4xVjJuUjhWajdSSGtFYVZNdzBCeU9pakxZNUNxaV9zOUNIRl9tUUdFNFROTmVxOU5MOFRQOFhjMktPZXdVT1MtRTF1aElZakktTT0= |
This was an idea I stole from someone else on Reddit many years ago. But essentially I try to make a report every year for my spouse so she knows how things are going. She is a great saver and earner. Just doesn't understand the concepts of compound investing, SWR percentages, back-testing with historical data, doesn't have the interest in creating a detailed budget or analyzing it, etc. But she doesn't hate talking about money, likes to coupon/save money, and is interesting in understanding our "progress".
This is a sort of FBI style redacted version of what I provided this year.
[State of the Household Report - 2025](https://imgur.com/a/OYfJSg6)
* Do you provide something similar for your spouse? How is it similar or different?
* What could be done to make this idea better and provide better info for my spouse? | r/financialindependence | post | r/financialindependence | 2025-01-07 | Z0FBQUFBQm5teE5QaEdGTExZS3hvbVdfMmpkTm1mSHRZcG1SUm9OUDlIMUZsaVMtODI4b3VJYUUzeC1OUkl1dGw5d3ljRmp2cmZRYk5rN2h2bV8xT0s1dFF4UmQ1OTBvWlE9PQ== | Z0FBQUFBQm5teE5RSU4yQ283TnBGemM3dG1RQ3gzZG5Kd01QazduRWtlTTJzSmpCejNoelJORTRZdkpOWEx5N01EdnhGOGxGS1FQZE5sZmFJVmVQUGpwZkF5UmxDWDRPaW9rSmVFcHhqRkR3X3NKa3JMWnNmMUgxM21LY095eGpiMHpyRTJMT1ppVjd5bC1iN2d5dTVhN3o1Y1Z4dnlOVGVJR1lKVEhzRVdTQVdtcERWQVRXeEMyWlFDckRtbEJRMlRDU0xCT1YxZmdPYXlxSUkzSFE4R1p5R1M3M0hhODFzRXpUR3dIemw4d0pIelVvQnFJQ0NZTT0= |
Hi all,
First post here on Reddit, wanted everyone's thoughts on my decision I need to make.
I currently work for an Ontario hospital making roughly 110,000 per year. I've been here since I was 23 years old and I am currently 48. So I will be getting a pretty good pension (HOOPP) when I turn 55. I also have a family with two kids in grade school.
I was recently offered a job for an American company (full time work from home) making 170,000 CAD. With RRSP matched at 4% of my earnings. Also full benefits and potential 10,000 CAD bonus.
The big issue is if doesn't work out with the new job, I would have to find another job and move my family, which we do not want to do. Also, The company is somewhat new and quite small, around 50 people.
Thoughts?
Thanks!
Update: thanks for all the good advice! I've decided not to take the job and also not to take a leave of absence. Like everyone says it doesn't make sense considering my age, my pension, taxes, stability and my family's situation. The reduction in my pension would be hard to make up (there's no chance we would be able to invest the entire extra 60,000). I'm quite happy with my current job and we believe this would be the best decision for us long term!
| r/personalfinancecanada | post | r/PersonalFinanceCanada | 2025-01-07 | Z0FBQUFBQm5teE5QUXdHczExdmcyVGlaT0NSTncwY1BjM3dDYWZIZU44SWpYMndyNkJLdld5OHV3ZFh3T3hLbEZYRTRtTTZsYmEtbzJ2c2ZlSVdIUmg4bGwxR3QtSGtIdC1CVEpXbWRLay10alZSRmtubVpzNkk9 | Z0FBQUFBQm5teE5RT24zR1pXRFBTS2NCOG51djdVQ19KTklnNjBVNXpTRXUwYk1uNHpDQmI0a05TdXRTenFoLW94TzlwT0FfUGNlaG1EQmtxakpyVkhjZ1ZzZTJqaVF6M2pMVjBSVFhwS0JCamM3dGFSQ25oZ3hSNmhfTkt2d3drRkJGRkFpQ09kU3JNQWxOUEg5YnFBMFZRSFFPNm5uNHNCUm95VjFYejgwMEJMc25zUm9wZVNvYjd4QXkxS211RzdYeGhMTHdJbVBPQVFCYlozWXhDRFFURHEweFYzdkhwUT09 |
Makes sense. ETC has been a dead chain for quite some time. There are plenty of other alt coins with greater capabilities and transaction times than ETC so idk why anyone would want to glorify this old tech. | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-07 | Z0FBQUFBQm5teE5QbUh5eWUwcUVScHhGNjRZTENiSDhfZ3AxTHVDRG5kNG93ZExHMmRFTlJnVlJZTkpQc0Q0WU1JX0MwcEJOc3N3M3dmOEh6V3hrbkZCMElyem1KWEJrbWc9PQ== | Z0FBQUFBQm5teE5RTVhLcWgtbHV3OFhtWkh6U1EwUDFjd2pTVVNLX0ZyOE1zb3lUdkhwWEJITUxKY0t2d0hvWHNZcHdnSHU2SlhmbVVYZXpvd056SEtvX1h4RG5IMkR2aVRZUXhIdXMyWXMxU2ZGelBXZU9MSEptcHZHNk1rX2RBS1FETnNLM2xjYVRCTU9HQjNKeXhaUHVwdEgzZ21uc2RVVkRjdUJDaWgtcDRyanNYNXdaazdKajVyRFN2SGtSQUdCWkxsTDB1T054MTMzcDFXZlh2QmZyUFk4VGJfWTgzRmttTkNxQlZ0ZGlGREFVcXB4Zl9EZz0= |
Monero is the Esperanto word for coin.
Ĉu vi uzas Monero kaj parolas Esperanton?
Se vi povas kompreni min vi estas tre mojosa 😎
| r/monero | post | r/Monero | 2025-01-07 | Z0FBQUFBQm5teE5QLTBNYnd1ejN5MjFWYUl1dkpLR3RFbkMtMjZSUjMybnVOZWF3MGpfUWxkSUYySTg4d29UN2RxSVRodkY0OFJ4NkIxR3psTS1Pa2ZzZkdtal8zT3E2V1E9PQ== | Z0FBQUFBQm5teE5RNWdob3MwaGtEcUw3XzdaVVJDMDdyYWVjYm9SemctRzIzbGl4eWtUSnN5RXJZbVY3OTBrMmtmdkdGcGNqQ1h3OU1TVlN5TmpMOGJHZUQ4RURCZVdHUE9VQXZaaWJTLVdfY3NvcEVYTklrWW44bVkzeWRIUjlYZHQ1endCR2JHUU1ZRmlmQVBPZ0h1UVRiUHNLZm1rQ0dQWV9OaFBDVXY3UXF6dVlHaVlXUHQyQ21sa1hEaFZCUWZfZXRYVDlDVHJ1Q2JmdFdiLXY4bV82ZVE0Ym9zS2tjQT09 |
fud. *but* where there's a space (lack of defi/nft community) there's room to capitalize. | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-07 | Z0FBQUFBQm5teE5QT3FhSzVXazRVSzh6aE9IdjNjbDVadllaVGUxbGtqNzNzRGhUWlNHNHo5djlMMFFhd2RpejZ3dzMyRVdVNWg3NFZlVWNJQlB6bUlaREZUd1VQN1E5UXl5Qmc3T2RLaTlHV0xBbGdkSUM2UGM9 | Z0FBQUFBQm5teE5RaE5vaXdDWktFMDFQeW1USkxsNEhMYlJLMmNVOFZxZENpa1luT2d3aWhGNW5KcVAxYUl4UDZfdTk2bml1eVQ0ekEwMFZfV1ZhTnlwZV9vN25Kd2hwLTAwRWc4NndScXhoRUFFYmFSTHlsSDRRNUJmU0dzUnVtNk1QdjhPcEhwdGJEOGg1Qm42bXhLcnp4ZXRJU3loQnE5bnpWYkY1WkZqZnVkd1E5YVY0b0hVVXZFd055N0lJVk9MQlVIM0tZZC1nV1V4SC02MUs3SkcxeEx5dVdrMTlHQkRKWVFERktDTGhTTnVWTGxpWHhvQT0= |
Can I move to a new baker without unstaking? I delegated to a new baker but does this mean I’m stil” staked with the old one? | r/tezos | comment | r/tezos | 2025-01-07 | Z0FBQUFBQm5teE5QLVZvNUtWNG9LQW5vTk4tdkozSUNYSEQ4QnN5VXlIUi1lUkh3SkYxYktpdGFmeThXa0J6U2o1dGdBUVk4dXhYNy1MVWplVXFYeFBtYTRZTFE0MDdNSmhpaDFOdHFMdUNTQWVWVnFodzBjN3M9 | Z0FBQUFBQm5teE5RODFlR0tSRGZlbE5QZmpWa0JYeVJqSFBCQmsxbHFyZVdPamkxNGx5T0o4dDZqOWtYdEVFZmtuekxzS0pZcDlKTTNWcm5kcFo3azlMcDg4OE5FQmEtR1dSTFZHQjFLMVQ2cmxLYU9oMkxHZm00X29NY0g0d2paRjVsM1hfU2lCZk83RkVjZGUwck5NYUs5M09US3Nfbjk2bVRIVnBkV2tHSTlia2YwM1VGM3lMeXE1RnpubVRvbE9sNnVEWGJtV2hCRFN0WmhyX21NYUlyeEJUMUdTbHdxUT09 |
Just pulled the trigger and got $300 worth of BTC on Coinbase. After watching hours or YouTube videos, talking to people around me and being generally curious to apply what I know as a beginner I just said fck it! I don’t planning on buying any more in the near future but want to see what happens to it over the few weeks & months. But wondering if there’s other recs on best next steps. Trying to learn and expand my knowledge. 🔐 | r/bitcoinbeginners | post | r/BitcoinBeginners | 2025-01-07 | Z0FBQUFBQm5teE5QcVRzeFR5T2k0blR4Yjc1ZElyVEJNdXpfall2ZGpCWEhTSVUxalB5QUZLM3NMSzI3cmtIZEh4TkdzVURPOWpnMTBkcEdVOV9tU04tN1UyZ1FiS254d3o4RV9oZFZfUURaUnpkVWZMc1BLMmM9 | Z0FBQUFBQm5teE5RSVV2YmdmWjdQRXBsa3A4TTEtbGFVdDJ3Unhqamg3aG14VW0wSzg1Rm5RZkNqTVZpdlYzTHJVaEN1dlZNTmwwQjE2UTd0eVd5ZTljU2phQkswV2xyMHBjS2FnX1lEOVdvZ2NyVEp0YXJfcG9KbDMzWFFNUzl0V1M1V0JrbkJhN283bEs4UlhyelBRMklpdmRnNE00b3AzRGFMUW8yR0lxZm1oc1dtREwzRnNTQVZlY0hRZ3p1SnBYazcxUjJZYnM1cGNMc2l5T0RJUEg4ZEIzNDZRdExOZz09 |
The second update:
[https://www.reddit.com/r/algotrading/comments/1h6ljbv/rust\_trading\_platform\_from\_scratch\_update\_2/](https://www.reddit.com/r/algotrading/comments/1h6ljbv/rust_trading_platform_from_scratch_update_2/)
I've been building an algotrading and fraud detection/chain analysis system in Rust for the last several months. Despite loving Rust, I immediately started running into some significant issues with the language and this application.
**the issues**
Rust is very good. It's very fast, incredibly memory efficient, and has lots of libraries required to build onchain. Solana is built on it, obviously.
The issue that Rust has is working with unstructured data, or data whose structure is pretty difficult to define. I wanted to build out a custom parser for transactions, and the going was incredibly slow and painful. Between parsing bytes and converting them to different data types to dealing with weird memory footguns, it became so annoying to write that I genuinely left the project alone for a week or two.
Everyone on r/algotrading was recommending Golang. I'd written some serverless lambda applications in Golang, and really liked it. It's like taking the ease of use of Python and adding the speed and power of Rust or C. Yes, it's garbage collected and therefore probably a wee bit slower than Rust, but the difference was basically "not finish a very fast solution in Rust" or "finish a fairly fast solution in Golang" and I've seen how dumb a lot of ya'll are, I'm not going to need breakneck speed to win in this market and do a lot of the analytical work I'm trying to do. I also have a vision of a system where Golang does all the data fetching and structuring and Rust does all of the data analytics, but that's long down the road.
**golang rules**
I started the Golang conversion yesterday, and I'm already close to achieving relative parity with my Rust codebase. I also get to use Raylib for data visualization, which seems to be much more mature than Bevy, the game engine I was using in Rust.
**lesson: dev speed isn't just about how quickly you can get something out there**
The dev speed in Rust was so bad that I literally found myself not wanting to work on the project. I spent ages just figuring out how to make the memory management work instead of adding features. I still believe Rust is a fantastic language, but I don't think I'm going to go back to it for projects that require a lot of unstructured data parsing. I just develop better software, faster, using Go right now.
**the overall plan**
I'm going to get the basics of wallet visualization and management working first and then work on the trading engine. I've got a shared RPC node with a ton of available bandwidth, so I've got a lot of leeway to test and gather data with.
After that, I'm going to build out the data vis layer at the same time as the trading engine. I think it'll be helpful to be able to visualize other wallets and their strategies while I develop my own, and I have a few wallets I want to look into. | r/algotrading | post | r/algotrading | 2025-01-07 | Z0FBQUFBQm5teE5QekY0VG9jamhobzFDZlpBd2NaajBmQ0pKYnFHV3ZiRnZvdE5lNDR6ZFdLNkRXcGFhLWJaQzlVZUxYdE0wTVZ5cmc0NjZ0c1lBQkFIalJjY3plQ1REQkE9PQ== | Z0FBQUFBQm5teE5RaWRrbXdka1d1Mkg5UkNmR0Q2N1pMUk1oUVV4RnhkRlR0ZzM5Skg4d1o4UEhyZmJKVTVOOVY3em1IOWJoWEM2MHNOckVKM2xFZ3VpaFN5SXhQUkJNQldhbTNuN0RMZlUtR1BIRmVtMWkzTUJnTEdEQkxqaFd0RGQyOU1iVXN5WUF3MTNxMnNhR3J3Q0JOaHhMQzVSRFRrM2tlT1JFNktkeHE5ZmhYRnU0NTI1UHBZdkxoMWozZFhQTnVkOVRyOVdDWHV6OHBvdURlWHBrQy1ZQ0gzbFI2UT09 |
Hmmm wonder what motivation you would have to share a picture of the price going down when it was a picture of the price years ago at a low. Hmmmm I can't possibly think of why you would do that. | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-07 | Z0FBQUFBQm5teE5QSWZCYlRJemo5Tk1pZWNZWDNYNjlRRzYza3NIZW9XOEFtZjNfUEdINkl3SUZXWHhBV09VSXFBanA2TmNZYWdHcG1iZF9MLXh6R1NEeVlHOU1IdGdmOFE9PQ== | Z0FBQUFBQm5teE5RalVPZXBxckd4WHVHbHNwU0VBa0RkYWdKbVpCakdWbS03NHJwanBsb1RvLXVnX1VjQkZJMmpYRWlzZHczeGZlaXhiRk9iNzd5dGVYVE05dEF6cU9DTW44M216R0dsa1BWaGVOeGI0VHpUa29VZzFCVkxfRnZ2WExYM2ZXNUdLaFpoRG1ibmwzSjZiNlBxRjFEanI0bHFiTC1TUGtDUENDOUxla0tQQjF2REtOWU9wYXNvN0dvTWFXdDl5Sl9EbEhO |
Hi everyone, Happy New Year! I’m the Co-founder of a small software agency based in Europe. Recently, we were thrilled to have secured a significant client in the US for a project valued at over $180k. Everything seemed to be falling into place—we signed the NDA and were just waiting for the final paperwork and for the client to allocate the necessary funds.
But then, out of nowhere, the client completely disappeared. It’s been two months now, with no response to emails or messages, and no explanation. This isn’t the first time we’ve experienced something like this—it’s happened twice before—and it’s incredibly disheartening. As a small agency, we don’t have other projects requiring additional developers at the moment, so we’ve had to cover their salaries out of our own pocket. We had already allocated resources and planned for this project, and now we’re left scrambling.
Unfortunately, this is part of the risk of running a software agency. While it comes with exciting opportunities, it also has its challenges. Here’s hoping for more stability and success this year!
| r/smallbusiness | post | r/smallbusiness | 2025-01-07 | Z0FBQUFBQm5teE5QakNtcmczQk5ZOXh2X1Azc0FVWGVqWXhRTk9vTzVDVVRYcy0wWHk3Z2ZtWW5SZE9rMWVpNGVHU29mdUVaZVFUR2RyeEdhdFM3WUw3ZUFUSGN2U1hqWldIczZHT0VscG9qWEMyX2NoakhPUXM9 | Z0FBQUFBQm5teE5ReXpLMkViN3ZFQng0V0VQUS1MTlZsRF93Rml0c0xsU0RReUJpV0RacTBwLVR6OU1Td3JyUVB4ZnFDSzlwcGY4U2FTQTU2Q01xNThRRXoyUU01eV90dmxYNk0tb1BqYzQyZTBsMkdPdlpBYmF5RzRDaVBWMHdyT0trZEJXRGd3VkhIWGFKVWN6V0xMcDBRcHJadXdmTUZFNFFudkk4akFialN3Q3QwUlI4V0o4bU5kSDFxZkE3VUgzMGp5UnZFV0JXOXdQdFVuOXVWV2FpUkNYbXNHWVl4UT09 |
Imagine what we could have accomplished if the most known coin had stayed the course. Imagined it stayed useful p2p cash and would have attracted more people than the get rich quick crowd.
Imagine El Salvador had really started to used actual p2p cash. Do you think BTC would struggle to get over 100k like it does today? Or would it already easily break 500k.... That's the question that should keep you up at night | r/btc | post | r/btc | 2025-01-07 | Z0FBQUFBQm5teE5QbFNjOG1fNHRDV292OUYxVHhaQ1NGUl91WmZBVTh2MjZRT0JQd0NHYk12dklGendqWTZhYkx5MGVub2czZUg3NzktaXJBS3hGUWVPTVRVSWM3c0x0U0x1UlBwSEFFMl93cUR0NUdIUmtuOWM9 | Z0FBQUFBQm5teE5RcGNONmZJT1Y5dDdoc1hvUlBnTHlXc2xuSjFzd0RPUVRSTUt3NGhjbVluM3A0NFRLMFgwYUVieHBZR1BIeG5zYms2OFZ0XzZKMWw5Sks5d2hGZFZBTHJiUmtxTUVQaHNiRXVtTFFIMGIxOVlTdG5sTkVxYmlrOFRQTW1lWkpWWXZoeWg4NXN2ajl4QzZ2OGwtcGlOR191T0g1b3N4UkVzUnRvZjgtdDdTc1k5VHgtXzRSMFEyY3Q2cHZWQUVBc0hU |
I see they're offering to do that '+1p every day for a year' savings thing, automatically.
(Start today by saving 1p, tomorrow save 2p, the next day 3p and so on until the end of the year when you save £3.65 and the total will be (from memory approx) £660.)
This might well be just some undiagnosed ADHD, but would it sit better and feel 'easier'/better with anybody else if they did it the other way around? (Save £3.65 today, £3.64 tomorrow, and down to 1p in a years time... 🤔)
Makes no odds to the end result, I know. Just, to me, the 'expense' getting cheaper every day would feel like a better/more rewarding way of doing it. | r/ukpersonalfinance | post | r/UKPersonalFinance | 2025-01-07 | Z0FBQUFBQm5teE5QQVpnUXZrcl91WFU4S2cwUTZxRFhjSUlaMVBnOGdhVUU2a3FzWjlrV28zREJ6LXpwN1A5QU9GOE8yUG1EVVFlREhzOGtrcEdPV0dhTlFwSUpBTEZnblREb3lKUmZOc2NSRW5hcEM1R3JHanM9 | Z0FBQUFBQm5teE5RYWtGaHFPMGotM0NaVjdGc2dtQ1dVMEo0OGJEeUJ6LTF3eEtIcnFjd1RwTWhKSHhSeTZKcVh5ZTNQZG1Qa3JKUmlvTzk4bDdSS1Y1YVZRZGJkdXhHeTRwZ0NGQkktcGNVMTExSUhlejBsVndsUlUxX2FhWktBOF9TRmFIMzRzUE96UFhTQ21KWlpRaDVPenpvemRDaG9ELUUzRFpvQnFyRjc2ck5mcndUczNnXy11RlJhTWZpbUYzekhiYXFfTTZO |
I've found that almost simultaneously:
* **BCH** block 880001 was generated with **3 transactions** (one of which is the coinbase!).
* **BTC** block 878232 processed **3,889 transactions**.
Here’s a bit of irony: the BCH block is 32 times larger than the BTC block... yet it’s *practically empty*.
At first glance, it’s easy to dismiss BCH as a redundant project, but hold on—let’s look at the **pending transactions**. BTC currently has around **180,000 transactions waiting in line**, some of which might be processed in hours, days, or *never*, due to uncompetitive fees.
Now, let’s compare transaction fees:
* **BCH**: an average of $0.002.
* **BTC**: an average of $1.05.
If all those pending BTC transactions were moved to BCH, they could be cleared in just a couple of blocks.
Which brings me to this question: why are there still so many small payments on BTC? Paying a $1 fee for a transaction that takes days to confirm feels absurd—worse than a bank transfer or services like PayPal. Sure, if Saylor wants to move his millions, he can afford to wait. But for micro-payments, it’s just not practical.
Finally, let’s talk about mining and rewards:
* The BCH block issued **3.15 new BCH** for processing just **2 transactions**. This means that, virtually, each transaction cost **about $700**.
* While transaction fees on BCH are incredibly low, such generous rewards for so few transactions create another problem: too many BCH are entering circulation without enough demand to back them up. This ultimately harms BCH holders (or hodlers, if you prefer) by flooding the market with supply.
What do you think? BTC wins by transaction volume, but its practical limitations are glaring. On the other hand, BCH... almost feels pointless. | r/btc | post | r/btc | 2025-01-07 | Z0FBQUFBQm5teE5QQU1nZE5mdGlZQm40RUNtb0NOZjA2UGZLNWxfQXpkVGZaOTZlM1BvSzFKaVdlaU5zQWhYN19Id044TC1reWNtMDdEelVlZFViQkNMcy1aaFpSZVVVTXc9PQ== | Z0FBQUFBQm5teE5RVW5NcHZVdW9EX2huNmpCeHpNZExxWXFjMWc4TGlmY19zeGJZUEFjak1QTjhIQ0ZWM0VpY25GblB3d0xPeDY4TF9yVjNsa0FxOE9BWkpkMXkxUWVHYnBkdlplYWtZbTNnLWQ3M01IaUxtOV8yMWVHUzhCcjM3LVJtLXpLRFZ0WWFXdzdMTFZ5X3IyMUtLOE95OWFuNExrcFY4X21mVnpVLXZBZkplaUM2cWs1TFhMTGJsdlpSRVEwbTVzMXRKSm9kOHZjakxkUDdKUWlsUVF1RDRqdThNdz09 |
I’ve been diving deep into the world of crypto trading, and let me tell you — 99% of people fail because they approach it wrong. They get lured in by the hype, throw their money into random coins, and then cry when the market turns. But there’s a small percentage of people who consistently win. Why? They understand the game.
Here’s the uncomfortable truth: Making money with crypto isn’t just about buying Bitcoin and praying it goes to the moon. It’s about strategy, discipline, and knowing the systems most people ignore.
What No One Tells You:
1. You’re Gambling, Not Trading: Most people don’t even know the difference between a swing trade and a long-term hold. Are you relying on market manipulation, or do you have a strategy backed by research? Think about it.
2. The Game is Rigged for the Rich: The whales (big players) are moving the market. If you’re following Twitter hype or the latest meme coin, you’re already late to the party. You’re playing in their game, and trust me, they want you to lose.
3. Time Isn’t On Your Side: If you think you’ll get rich overnight, you’ve already lost. The real money is made by those who stay patient, build systems, and play the long game.
The Solution? (A Taste…)
Start Small, Start Smart: Begin with a secure wallet, learn the basics of DeFi (Decentralized Finance), and experiment with small trades. Resources like The Bitcoin Standard and Cryptoassets can change your entire perspective.
Research, Research, Research: Learn how to analyze projects, study whitepapers, and understand tokenomics. This is where 90% of people are too lazy to dig in — and where your opportunity lies.
Follow The Data, Not The Noise: Forget TikTok moonshot picks. Use tools like CoinGecko or CoinMarketCap and dig into charts on TradingView.
I’ve been where most beginners are, and I know how overwhelming it can be. My biggest advice? Focus on learning, even if it feels like you’re moving slowly. The truth is, most people want shortcuts, and that’s why they fail.
If you’re serious about making this work, there’s a wealth of knowledge out there — it’s just scattered. Start with the basics, and don’t let FOMO drive your decisions. The few who win are the ones who play the long game. | r/cryptomarkets | post | r/CryptoMarkets | 2025-01-07 | Z0FBQUFBQm5teE5QMGlabUFxMHA4bmpzMTEyMEFHS1NyOGJpT3JJcDF3YmxPT0NnbTMwWG9qLWxoZFc3UFh6emhod2FjbExub2g2OFRLdEJqanlRMzRLVGQybUhJT2R6WEE9PQ== | Z0FBQUFBQm5teE5RYmlEV2VBR3Bib1JOUDhwN1gySlNMWlpxUlNZMG8yYzU3VTVGdENCdjZGVUtIb3ctNXA4VzJuUFdxVzdmMExCcThaTFRqcUFZU0ZPWjZicU5JSjhSVmhYbWNhRW5PS1lyVVpYTjBIQjVhWDJkTHBzTXlyU2hKYUREcW8yeFJlUElhV1dhVld5YVMwQU02bG05LURzZWhCbllDelEwQmpMbmFJNHZXcW9PSTZGcmVWWG0tVlRDV3A1ZEZSckZ0RWNOZlprRkxyc011RGt6M05JbEF2UUFBQT09 |
This seems like a neat program.
[https://news.ontario.ca/en/backgrounder/1005539/ontarios-new-and-expanded-energy-efficiency-programs](https://news.ontario.ca/en/backgrounder/1005539/ontarios-new-and-expanded-energy-efficiency-programs)
| r/personalfinancecanada | post | r/PersonalFinanceCanada | 2025-01-07 | Z0FBQUFBQm5teE5QYUx1dnplbFJtanZsMkFlMjIzUk4wUE5tMm1EbG9RSHdoRFdrbFMwWFBDdkxUTXlHVUlXcXhMZEZoVGYyR0d2RGdBbHdSUGYyZndxNFJIRXVhQzZCb1E9PQ== | Z0FBQUFBQm5teE5Rd2FGaVMyaG1KaXA0RnhIN1lnYl9Jb085S20wcTNOaUpQZzZkVWM0Qjh6TzdyV0RWMkJDQ3FxaUhXNGpjYjhocEQ1WDJDQkkydFVlcVN5U2tKb0k2Mk5raFB5NEh3RXNac1pmX05OTFhFbGdwVFhSOUwtRFJhZ1ROOEd0SkhMNXJHTnFEcDNfdzRTTHFPeFVtTDl1aVBJcDVFNGFicWdiYk9KWm5vMF9oSktUQWVEeEtnVURMX0hOUjN6alZ1bnRUMXNMd25BVFZaRlYzazhJNXhvbUk3dz09 |
This account needs more than 15 karma to post
*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 | 2025-01-07 | Z0FBQUFBQm5teE5QY2R0ck1KX1c4dnZxQ3pxVTVKRHE2TEx6bXQ2V0xfZVdZNTdzYmhQUnR3b2RVSUZKQlNWdkY4cS1BUTl2VG9McDRPUU1BTDduMVJfRUdmUEkzdU1jY0E9PQ== | Z0FBQUFBQm5teE5ROXpablpXVkFDanAzQjZGcUI2TEVWSG5CTm9YdnV2OS1pcXhDVXh1eUUwbEdoMTMza2sta1Q2dWRaUmJoODI0RHpUODg5SDlkNGpFNDIyVkxDRDdQTFNvNkhJTnVPMWJvb2RFbjlqMmZ0OFlCZXgwSjNqOXl0OFZ0SmkzWUJnanNlUkhBLUVIQ1BQZVhlVlE3M0ZNTTd6NWQzdFl1Y3pCYVVRYy1RRDVrNWhBLWZvSURYbENEV2hkTHFDSEcwR3ZKTjF3TUctSGdaZEhMazFkRnQ3OHlBWXN0UHNlSGRaeWdiTGl3UGQ1UGxHaz0= |
My sister is a bit of a basket case. No mental illness or anything just very stupid with money. Over the years my parents have had to bail her out lots of times. She's not well off, works a minimum wage job and gets universal credit.
My parents are currently planning their estate and have sprung on us that they do not want to leave her any money as they think she will immediate blow it on stupid stuff and have nothing to support herself. What they want to do instead is leave it all to me with the expectation that I pay for certain expenses for her and help her out. Essentially I would have to ringfence 50% of it and keep that to use for her. They think the advantage of this as well is that she would keep her universal credit as well as no money would be in her name.
I have a lot of concerns about this.firsrly I'm not really comfortable being my sister's keeper for the rest of my natural life. I think it'll fuck our relationship up if I have to vet every purchase she makes etc.
But what I'm looking for are the legal/financial Implications of this. What am I not thinking of that would cause this to be a bad idea and I can present to my parents as to why they shouldn't do this. | r/ukpersonalfinance | post | r/UKPersonalFinance | 2025-01-07 | Z0FBQUFBQm5teE5QZzJuWFpfLWkxem5lNzlQMlhzNFVtb29JQXFvU2tqZnJNYm00d1JnVXFxbkpsajl4TFdlT1pVVGJIaDdGelpZQ3dIUWwyRkNGZXJfQlZDM3hYanJKV1BtRjktbEJiYnJyeE9qSTFxR2RWOXM9 | Z0FBQUFBQm5teE5RMXh3RGpDZjN4Z2Z5NTRVVVVvNnMwMmZkRFNqZUkzUWd0dXNnRWNzX1BvX3ZqbUJFaHoxSkI4SUthZlIxNFlLQ1hlZ1JQcElWYlBZNTVTQWxPY1hNNGxfQ3dvcFBlWXdiWjFlNEtPTzFqY1R2b2laRGxGSEdCbldGVGF5Ym1kbm96Qnd5TTl3eXAtVW1mM1JhLVNmRkdQQXZhODlMYWRZTDRPcnJmSGoyS1V5T1lGOWZPQTEzLXAyTmh0UXkxZDRybFFXN0YwcFZrcEF4cEhCV3pmZ3dSQT09 |
I am in the US and I am a bit worried about taking a tax hit without being able to sell some to cover. Anyone know how to convert to another token or exchanges that will support the sale? | r/arweave | post | r/Arweave | 2025-01-07 | Z0FBQUFBQm5teE5QbnBXUlNEbjdMUWJDUzlUWldpLWJjclVlY01mcV9yTkdqSzBjMTJ2SVNyWlByVUFBWVFBR1lXMnF4NXJqTEtMemlqR2I1ZjVtVTlHVHplUWZoOWkyYkE9PQ== | Z0FBQUFBQm5teE5RUnpHN29idGYyME1KdnljN1g2dV9vaHdBY3dBRDBleEdVMXhYWERzWTNwZDZYaFdZZWtGWklDMjIwaVkzZk1ERjhIaTREdktWTW4xMHdxZUQyNjdIWFlocnRpbzczZWk5NnJBdjVWRjR2VHJDU1U3UVNaTlNwa3JTTF9GdGhpdmsyVGg4akR4c0xVWXZiaFhuNnNoTmwtRHdYS1g1cUFHYXJFb2JmdVMwWUdNVVl5RlZFV2FkVm9RNC1jUUMtQUNhLWU1SzdvMU9qdGtVYUpReHhERm41Zz09 |
I know many people deal with health issues long before they retire. I’m 70 and have been blessed with good health (no prescriptions, no hospital stays since birth)… until last weekend. Without going into a lot of detail , I discovered I have a chronic a heart condition. I’m confident that modern medicine means this will have less impact on my life that it would have had in my parents’ generation and that following doctors’ orders will most likely insure that I can continue most if not all of my activities. What I’m struggling with is the transition from thinking of myself as “a healthy person” to thinking of myself as “an old unhealthy person”. If you’ve experienced this particular psychological distress, how did you deal with it? (And yes, I know about being gratefule and counting your blessings. I’m very grateful for my decades of health. But you can feel bad while feeling grateful and counting blessings.). Thanks!
| r/retirement | post | r/retirement | 2025-01-07 | Z0FBQUFBQm5teE5QMmEwVndpaU8yamtoZVF2TldOb2gwNlVka3V5UFVwWHhuUmpxWTB3SURYYms2R18xbTcwVDRmQi1uN0I0NGR4X0JnUkxpcEo4RkQ1aDRWejhWRmxEVHc9PQ== | Z0FBQUFBQm5teE5RSTNaWFVtRG5KTDRiek9jazg1R0hRWmhBNFhNUkFOSGlhMFJIblVnVnhSTWM2YWlxRXZ1UXFwYUN5cnN3YVhua0hjaTB5WHBiVkQ2VUlXZ3UySDFlZ3k5QjFEMlFYNlFuMEV3M1N0ei0xUGo1dF9veEZmM0FTMnFmQ2pNZXJCblNUc1QwNEZxVWpZUTFzUk8zUS1CQXhmT1lRVmRoR05BZ2RoRWhSN2R2dmQ1d1IwcWF3MXdMZF9hVDh6MzhFek9sdk1kdEpvT1pmNzliQjZRaEJWdjktZz09 |
I had a bunch of people message/comment on my last post asking for info on the prompts I use for options trading. Here are the main ones I use for DD. The options specific prompt is still experimental but it gives pretty good information if you feed it the right updated data. Feel free to add any other indicators or details you'd like to see. Remember these are simple tools to HELP you, this is not investment advice.
Investment DD Analysis:
Act as an investor with 50 years of experience. Provide a comprehensive analysis of STOCK. This should include a thorough evaluation of the company's financial health, its competitive position in the industry, and any macroeconomic factors that could impact its performance. The analysis should also include an assessment of the stock's valuation, taking into account its projected earnings growth and other key financial metrics. Breakdown the stocks intrinsic value and expected price targets. Provide details about any potential catalyst factors for growth or depreciation within the next 2 years. Identify Trump administration proposals that may affect the stock. Based on your analysis, provide a recommendation on whether to buy, hold, or sell the stock. Your analysis should be backed with supporting data and reasoning.
Options Strategy suggestions:
Act as an investor with 50 years of experience. Provide a comprehensive market trend analysis of STOCK based on the data provided below. Make hypothetical suggestions for Options strategies with the highest percentage win chance calculated based on the data provided and potential real world catalyst factors. Give exact strike prices, timelines, call or put.
Current share price: $17.90
1 Day Chart:
10 day MA is $17.90
50 day MA is $18.25
200 day MA is $18.75
RSI: 30
3 Month Chart:
10 day MA is $18.80
50 day MA is $12.25
200 day MA is $8.30
RSI: 59
| r/options | post | r/options | 2025-01-07 | Z0FBQUFBQm5teE5QbFJmTzNBWmdDV3RHZk9oMnQ4MHlsbFNKRVVMUG11eFhLTi15aVN6SDFuYlJETlEtUGJVMU9rZnNaNnd3aVpRZFF5NGh5b3FmR1FzTW5IbUlRajdQb295WktSLVdqN2NTeWZPYXNVdHBhamc9 | Z0FBQUFBQm5teE5RT05VTWV6YVQwdmp4YmNtZEI4UGVXdmJ1UzhNN2x1QWtGWlVjS29vU1g3Qzg3Mk5pd2Z0bWliME04bkl5QTI1bU9pLXlVLTdjNDkyNGZYaVlLZEZLQ0NGS1lFTmVCVmNMdDZBUWFEb0dOQWstb0VhUVhSdzZfVjFXbUpSUVhRNUFPUWZrem5GZ1IyU0ZIOGlpbEVSa2V5Yl92OE42M3F0ZXkzVnQ1TWNNNlAxNGRjMTNQNUw3Q0ZpalEtcWkzRUkxMWJPZFIwak9uLVNRc3BIYi1nb0dTdz09 |
He isn't stressed he is trying to short and sad he isn't very successful. We are down due to a bad JOBS report nothing to do with the crypto market in general. | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-07 | Z0FBQUFBQm5teE5QdlZhMTV2cFhXa0I0c3J2ZWwxT1VkamJtbFlVYjdtc01SUUdEa25OVzFKenh1WWVxaDhtWWZxU055N0FBb25FVkFTal9RZHhiTTVtUDBHRDZ0UGx2aFE9PQ== | Z0FBQUFBQm5teE5RWGFOcHpoQWlwY0xha1BqbV9UVHVsdmFjV1VIZTVxcGFqZElWcndjcS1KZ1Z2ekcyWkU3a0tsdzdHRWNjN0RoY09PbGNmYW1jNWM0bU9ZeGNNRGxsaF9xbjRMTk9ldkRoYnBMUWdzNThKQmI1MGl1VmxPeTQ0QTM1Nm5OMXdfd1k4N2UzMExhMldPQ2FCbEF1bWh4eHdlZmFYV0lvWE5FX0JWQmlFVFI2QkNJTFBET01SNklETWtpbVRYbmZhV25HakcyU3hISm02aVNaY3Y5V25WeGRUbWhGUk9YODFCajR0UjVhYXdBeW5iZz0= |
Great why are you here then if you are such an XRP fanboy go over there. | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-07 | Z0FBQUFBQm5teE5QcmxmdkVmbDhaU241aTFlWmF3a3prdVRGQzhzLXA5MThOaVBiSWV0d3J2MnlHQ1VhbDVmU0lhNGt3a0NfSVZnRXgyVG13elIxb2dmNjNZT3l5aXdFbmc9PQ== | Z0FBQUFBQm5teE5RTDhfckhqSDd5a2lyQWg2MHRfdXFmSVlCX1RUUnlDSVlGd0FHWjQzRlZCektSWDhDbWNNUm5VVnJyMTNOaFdPNm04Q1Z4TGc3WWxTRW0wOUVWOHhBVml3QTFVQnhCQjFraHJQVlZLVlRoNVI3M3RCMnRkUG9wdXAyTGtOTEFKcWRVTm1XRkdYaXNQYm1FZHVyVG5pdnRBcWQtUFg3OElKcmJrRnFXQVczZFVEZXhLRXVyN0lxN1Zqa3VnMnlsMU1lVlk5cXNxaFRmd2JGSmM0aDY2Q3Q1OWNPUVlnaGk3WjBWaF84YkNmdXV1WT0= |
There isn't much competition in the L1 space.... | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-07 | Z0FBQUFBQm5teE5Qb3h1TnBzZ1VRdi1jUG80Y21mUzhFRElFU0Q1XzJhRHU3SGdWeVhTdmJGMTg2emNVVDNkb3pqWUdLZ1VLc3U1b2JEX2NYeGZibWhRYm9Oc1dvSUhkMHc9PQ== | Z0FBQUFBQm5teE5ROUtwazlaaEZadEdIQVFWYTh3WlQ4QldMVExBVmEyYzYzNHQwZER2NkVQSUdnQXIyaXhjRnNYcHNpcmdSWEh5SVZmbEFnOUhtV2dhRGRyVzJtZ1lHXzMxYWtzMFN5MDhBZlhacEpKOE9MTjVldDdpQ1IxMUFodmlHa2lIb3lvcmdzZlkwdnBKU3JLSEdwUTFCWEg2bG9SVVpOU3B6Z2NrVldOTVNJYXp0eWZWdlFrLTNFb1ZiRFRGQkhtdndVVlpJYThNVms1UXc0cGVQTXVMZ1Q2NXJlMGVxTnQzRFpXZmFzUnpDMHludXVqND0= |
What narratives are you talking about. It's the original ethereum chain. Thats a huge narrative that everyone who understands this investment knows.
It's the original L1 the digital silver to bitcoin gold. Maybe you don't get it because you want to short as you bought in too late at $175.00 | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-07 | Z0FBQUFBQm5teE5QaHVyWDNYVlA2MFNkTTBYYUdZQzRjcmxHM1F6bzNDZ21wQnNDQUJEMnl5Uy1XYjR0Rjh6WDYzbW9tZkJkSUxOblJqVlRtNzV4TGZFdHNpRHBlazBya3c9PQ== | Z0FBQUFBQm5teE5RcWdpbS1XMWZyX0hCWDJQaUh5Z2wxcE8xVktFU2ctT1lXRktETGZFS1JRX25WM3FoYWZ4WWtxbUplQUJZWHVtUGR4RGs1b3pUVmNmMm5fNjdHYlNqQkloNVRrdUFwNW0xUmFJOVc1RDhUNWtWMVRRYW5BOW5LZDJrbzJZd2hnNWJmcTktTEd0QkxQVXJPbHN3MnBJZHdCZlMwdjh1cVZsTDdLVFZYdGdIQmVCT0hVb1dmNlVPN2lla3lRU18xc0cwYWJEcUhKa3l4QW5weHlWWWdtbnpiZF9xci1GX2dOZzBNOEo1N25VZ09Tdz0= |
i'm not  | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-07 | Z0FBQUFBQm5teE5QWnBZajM1dHVVLUxBd3RXSXJON1hqVk9abGl1OHBORlF3b2o1cW9uMElNQTdaWE9yUUdlV2RLOENramlFRnpsU1NWdlZOZ2o0WWlmWFpfbUNidlU0OEE9PQ== | Z0FBQUFBQm5teE5RdkdJRi1URmZCaV9aa0ZDRWtKcmM4UlF5U1B0STQ1QVFLVWROcHdPaEstWnZjbHhpbWg4eGZrZlF4ZTBfbjJTX3plY0JQd1VGWUE4VDJXWDZNUTJYOXAyOU1SeWhQX1FwVk00U2RSRFZ3a0lzSWdGeGJkTXk2SUo5aGx0ejBMVHlXQU5abGFHSGxGcjJqVm8yZmhNNkhLNi1QbnpoZy1vMG1yN0tXMDMzbVk0X0FQVDd0WlZEdWh4bHZXWW9lVjJVY0tYaHE3SE5NcDhYNHRPZlVUQTIwWDJwUWlEVzZ6WncyRmVPaEVfUzM5QT0= |
Since it helped a lot of yall yesterday, here the top 15 mentions (statistics) of pennystocks on pennystock-alike subreddits in the last 24 hours, what are everyone's plays? 😄
An overview for all of those who don't keep track of it. If i should change anything please let me know in the comments. | r/pennystocks | post | r/pennystocks | 2025-01-07 | Z0FBQUFBQm5teE5QSWpFU1RFQmdJN1NSdVFzeVNwajZrQlhmSWY2UWlJcXplZ3NjZURCVEp0TFVBTC1fNTZKQmU1RGV1UzZ5UmNGT3dveExtcVBpRGRjV25HeHBRMXBQV0pUV2wzZ21XNVJxUl9FZW9ScHZoeFE9 | Z0FBQUFBQm5teE5RemY0WE12N1FFVTNTM1hsdGt6OGxlcFJXOTRKenBibVZBUklVZmZsNFcxOHhpbTJxbkFVUGQzN2t6YWRDTjI1eWZqMkpHMm5xSF9yb2Jza0paX0k5NXJIbWZxdDYzdjY4WjFwYUxFcVJyMDI4aHNQZUhkbmlkVlIxZkxINUowUF8xV3pINWFMZ2JfZllydUNqNHhwTldTNDVjQ1RCVUQ3cnMxanRtSlBybGtjTlN1MnpWYnlEajRyYTlFblg0S0FON0xiN2JzZGpwdF9hbnlPQ3A1b19nQT09 |
There are no apps in ETC....you idiot there are tons of applications for ETC. [https://ethereumclassic.org/services/apps](https://ethereumclassic.org/services/apps)
Take ETC swap launchpad it was launched December 19th 2024. Oh wait you didn't research anything but open your notepad with a bunch of junk because you can't even educate yourself.
ETC swap is huge it allows SOLANA like coins to be created on ETC!
You probably don't know about WETC either? | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-07 | Z0FBQUFBQm5teE5QVkFrVEQ1cDBMS29Bb1U3b0xrTW9HUzVKVGpOekNidXFTWHI5bnJlVG4xeXdDSE5DeWtPNlQ4bG5ISDJzZnpfZ2s3Q1piV1FEakRvWnJ6MFQ1QUl2Q0E9PQ== | Z0FBQUFBQm5teE5RWnlqUExZWWJ2VE41bWpYNWI3ZkltSkFvUmo0a3VqNGNsRDJXby1JMG0xeHZwSTJqMDNNQ0V3bVVfVTJ2bUVsR2dsSVNZb2F5aUEwOWRrbGtjSUZDVEozNVROYXI1eXVhV0FUNkZidlM1MDd0dFNWOVpFc0k1YkRWX3RyTUFZaWtHcVBwanVKcmxqa2RPU1RManQwazBaTnd6dmhrSk5OS3NfcTgzYnRxYUdBNFdEY09mMzlScGl4RU9Sell0SlhsY1pkY3VGSjVfal9ZT0dOclhoTzU0MWYxaldSU1lpY1Z1Nl9uV2ljZlR6RT0= |
Sure anyone know the exact date of F3 (fast finality) launch? I read a X post someone commenting that launch date is postponed to Q2! Is that true? | r/filecoin | post | r/filecoin | 2025-01-07 | Z0FBQUFBQm5teE5QVUNLSWlLbjAxNm85cjVYTXhsU182VFRBdFgwNVRVeXN0THlFb3BlNjhwTWRmYmk4bGRuRWtiSEo3bnBKZ2lBQnZuejl2R2xxTWVVbldCdFJad21xdWc9PQ== | Z0FBQUFBQm5teE5RWDB2b3FZdzhxWnBSQkw4blpNNmh1bmtUTkZSdy14ZWIzcGE0Ykw2WU9ERXlpZWtlSjJlMDBlWEhGa3U5QjJJM0RuM1VvWVk4Y01ZeTZjOWNzMUFjVU1sVkY3OFpjUV85aW03NEZWaHpLZEEtVWNXTV9lTUFVV0xWbFN3aHpHTnpEaVNoSkNGZExhOXAwTEFMTy02dng0blpHX0J1NFl5MW04YVZGUGZPWnRBPQ== |
When folks ask how they can stretch their grocery/eating out budget, a common piece of advice is to make coffee at home. So I want to know what your ways to make your coffee feel special on a budget. Is it a specific creamer or coffee? A morning ritual?
For me, I was able to score an older but working Keurig machine on my local Buy Nothing group. I purchased bulk pods for a while (about $0.50 per cup of coffee, not terrible) and they were ok, did the trick. But I felt bad about using disposable pods so I asked my friend to gift me a couple of reusable k-cup filters for the holidays and OH MY GOODNESS. The amount of coffee they use per cup is so little and the coffee is so much better! I'm a 2 cup per day drinker and I can now make a regular 12 oz package of coffee last 75% longer than I could when I was doing a pour over or a small drip coffee maker. Even if I purchased a Keurig new, with the coffee savings, it would probably pay for itself over two months.
Plus the coffee is like 10x better than the pods
Edit: y'all came through! What a great thread with so many great ideas for making coffee at home! How to make cold brew, what works taste wise for some folks, good tips for those on a tighter budget, some interesting add ins, your morning rituals, the equipment you use. I hope these tip help folks live a more frugal lifestyle. :) | r/frugal | post | r/Frugal | 2025-01-07 | Z0FBQUFBQm5teE5Qc09MQXV3NVVycHhoZjIwdTViM2tkaHRzYkJKWngwN2RXN0FFcElnM2N2aDY5UFh4YmxtNGpxMXZmYlBMUHdQaURZWUlZVUl1SVdnSjRPTmEtOTZod0E9PQ== | Z0FBQUFBQm5teE5RNEloZGotR3VhbmRpWXl4UW5lc2JOLWpkNy1FV0RlUVlmaFJxeE85SUVHQkNRam9aMFBUdWUzV2VDY3VBR0VURWpiYlVyWXUwcS1obFBYRl9WU1RlQzcyRkQxTkMxSHd3VVpRQ19EUXZ3OFhDNkZvMUNqTmtJNU1WY2dka3VTMzFaZTQtOGdpMS1NQ3lMYzNRbmh0SVVvYkZxcWhJeWZsUkhDX1lmOExBU2NtR08yRmlRcUs0OHY4RXdERDluRm9P |
Oh I know, it was tongue in cheek my response. He probably has several accounts spreading fud here. They all read the same. | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-07 | Z0FBQUFBQm5teE5QbnNvWXYxWE5GOVkzRDBoZFByNkI1akFJSHVGSEYwSmh4ZW8xY2RleG5ITU9GU0t5RkVHUE9aQ1Q2Zm1tZnYzaXJnYXNWN0FWMnd4Q090dlJjLUJQRUE9PQ== | Z0FBQUFBQm5teE5RTXZSMXB1LVVhaEtJa2ZEZWdBNWx0VTJ4bzdVMFR1TzJ6WGNDUFRQNWJkUWZNYkZYV2w3QnB2UmNlR2RIVkNpTjVTeXgxbDh6SU9HRlItUHBQbkZGcXBUVF8wUlFCVWsyZUVzTWlsNWpXYnp5alFrTEdJSU5OVm9LUGxXcHE1NDJEbGo0aUk3QzNJWkhlNmc2TjcteU1wQ1JWM1pfUWRjR0VwNzhZMmN3cDVJeXl1ZVFIZ2t5ZWJwUVJiclNHQjFaOFZhU2g4TktaT3VuY1lXQTFQR0hpT3pacFdaWjJNcjNMUGJlWkdQOWJkWT0= |
I agree with you there, this is exactly why I invested in ETC year’s ago. It’s the 2nd oldest crypto as ETC is the original ethereum before the other hard fork to ETH. If they’re bearish on ETC, they’re bearish on the original ethereum 🤷♂️ | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-07 | Z0FBQUFBQm5teE5QWlpQcUJfalBZckZGZDU2b2pCRlIwa2t1c0RkM3FkcHYtdi1pUVNHZ1pXWG5YVnNZUzVzMzBNVGZkQUpVcXE5YVc3dnVOSGwwOXJaTlQySjNHY2ZNR1E9PQ== | Z0FBQUFBQm5teE5RLWtDalFtSVpUT3AzOVdwQ240U1hBa2dRcE9LazZ1SktXb1pnS1JpUEtRYTZUcmVoUDBoTGs1bU1WUktQckRsU1BfOWExMFlWVUxlUHNTX2VKWlg5cF9nUmh5dkJEZ0QwSGJ3aDl0algtOVVvQUcxajVzOHZkdF9NYWZMMnBMejNYa2hodzliUXN2TW1iTDVJUVgtY3hBQW1BaEFPQUdvSmlzR0VZMk5sbmRWTGNDV3JhbmZsVVp1dW9hWTRmbmRuYlVFbU40a0tPbm8tTHk3SC1PSHMtZU5kTFdPbTk2dHJWbW5aaS14NEVmMD0= |
I want to share a warning based on my experience with Yelp. I’ve been dealing with ongoing issues for over three years. I opened my Yelp business page in August 2022 and initially tried their paid advertising service, but it led to nothing but robotic, fake leads. To this day, they claim I owe them $160, which I refuse to pay due to their unethical practices.
It seems Yelp has blacklisted my account: they only display negative reviews on my page while marking all genuine five-star reviews as “not recommended” under the excuse that I supposedly requested them. These reviews are, in fact, from real clients.
I’m now exploring ways to delete my Yelp page entirely, and I advise new business owners to think twice before creating one. | r/smallbusiness | post | r/smallbusiness | 2025-01-07 | Z0FBQUFBQm5teE5QNGh5cThUTHFkZHZmc1p1QjdCTjVsN1FCNGRONFp6ZmNXRHVSeWxxSVRGSi1RUUFNWmx4emhpWWRsbjAwRDQ5Q19XMG8wSEF6Z2xyQlRtdWpidS1xNFE9PQ== | Z0FBQUFBQm5teE5RVnUxR2FPYVBTankxWk5nYWVBYmFKZnQ3NjFSdWczbXNvbE1XaF9laHJlLUNRNGJONklaYVNxNGlDaEU2Y2lFdW9MODRTcjFBRTZEUjVtVEo2SHdCWlQ1UUVUd3JIbHFhbUlHdjF5bWlSNWZZdnBfUHpXLWpJQ0lmaDNNMklHazVxMTZkMnB1ZVl2cE4wR2NvYW00THlHaW1NSDBpZFo0b2E1RmFpSzQ4ZUljPQ== |
I’ve come to the conclusion that solana chain company or an insider has thousands of MEV trade bots scamming people out of millions if not billions. There are so many of these bots constantly trading making millions of profit within a month and they move faster than any other bot program you can think of.. meaning they have direct access to the data hub/ nodes as possible. I may have to hang my hat on this memecoin trend.. haven’t fully decided. Not as bullish as I once was. This will all come crashing down at some point. | r/solana | post | r/solana | 2025-01-08 | Z0FBQUFBQm5teE5QWUJEaC1yT3d3MGstRmZHbThfQ2FSLTF2aTU5QUx2VHVkeXFOWEd2enpvWWdfbk4yb0duU3NRRXZiSmxybjRlTGlkY3JvejBvdXpQb1JiNUJDUDdxZ21DR1JYaUc0V2JnWVRuc1cyUkN0VDg9 | Z0FBQUFBQm5teE5ReEhXbGNDdUpGX1Y4b3dOSjBqel9jcnlfcDl2Sjd3SXhUdkdDYUwybzZmZEkxTVhzOFRxU01DeHZmWDVmRWlUQTFqam4zV2dWUHJtTE5jVFp1aGZJYjZPR19VZ2R2RUxUS3pwUDhCNW5WTEd0X0J1aFJPaUIzOFQ5dlBVLXhUQ29RQlFMUjB3Vl9aSnlONm9Qdlg5aC1zZm1xblU2T1ZRSHlnczJUSm91cWJKREdnSGFzQzdrOWd5a1JaSG16VXds |
Actually bought it about a week ago. Just couldn't resist the sale price but once I got home I realized I had no idea what to do with all this meat for 1 or 2 people. I threw it in the freezer in a panic. Once I take it out, defrost and cook it, what the hell is one woman supposed to do with about 8 pounds of ham?
Edit: silly, stupid typo. I promise I'm not trying to cook a hamster! Just a regular ham 😅
Edit 2: I was not expecting this to blow up! I guess my reddit legacy will now be "that person who wanted to cook a Christmas hamster" | r/frugal | post | r/Frugal | 2025-01-08 | Z0FBQUFBQm5teE5QUXpsNjI5TjR5eE9OOENsWkJVUTFvZXpHbFlCLUxpNUN5UDd2XzVPV21ZSGc0WWJ0QkRkbGZ0YUY2QkxIMkJBMGZDS3c5cVZPNV9PNy1YRFFGaWU4Y0E9PQ== | Z0FBQUFBQm5teE5RVGpTWmYtei1IdUxXeDR2cC0yeTNxZk16RXR2ellIWWxZazBYVko3Ym9aTUg4T0drMjFnb3NlYWc1MlFmZmRDbXd6QzlFQ2RqV2FaQ1o0UkQtSzVfd1NSTEJuTjRzM21GZ2lhQ3V1VU1YVE5Wcm54Mkp5cXRIRmFGR1ZQTEhvamVxVllMbFZPN0k5LWs3MXdPQVhnTGxxSmlwNlFVZ2QydlRTT2lCbjYxN01YYWxIVWdlT0d4ZUlCX3lfSGIwdGxxWmtBLVdqaGtMZHBkT3c3U01TazR1UT09 |
I’m holding long term regardless | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-08 | Z0FBQUFBQm5teE5QeEZjaGdHZmtZa2ttekpkdV9sNl9HaVBWMllzUVN5MWVMQUdrRlp4YTZwLXhwYl9TdVVCQUJjVWx2ZjB1ZUFyQURGZTlaSnI0RmtZR2MzdDVBTHVLTmc9PQ== | Z0FBQUFBQm5teE5RVzE1YU0yelBFTEhSU2J2Y0hlc0taRjRINVBGWkU4anVHR1luOE1TdE5BQXlERndTTWRwcUsyT1FibENDZ1FCcEdRclg0MWg0MmpYYVRTSDRRVU9NNW5oZzJka1Nhd1lBcVVMb2JmY1BzNEZsSEdfRG9UdjZ5YklFV2ZpdjRtMnNjTWs5Q1lPQ0NxWWkxaGJ6d0Y2TjExS0plMTlCYUZoTEhQX19IeGRKS3Y5SzR1RVU4QmxSY2pMMmxxUHhTRGVZN2hpblEwTVpYb19GV1JrbTdkc3gzNEJaSk9sYmhaODVQeDNrRV9kbHBCST0= |
This account needs more than 15 karma to post
*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 | 2025-01-08 | Z0FBQUFBQm5teE5QRmltekVNWTdkUWJLbnRGWUYwRlJTMEN6LWZqV0RqN3Fwd2NZV0RrcF9KVHFETHd4M2VHRDFDeXh3dnZSTlFNUl9zSG1kYUFpMXN1Z2JBby04YVdTMkE9PQ== | Z0FBQUFBQm5teE5RNnNfOWpyQjZIczlzbmZJQmxDcmJFLUlWTVd2YU5SOUUxUE1SZ0RuMG9QQUZsZGJmandOM09NMTEtRzNIU0podW9PVUV4bk9wRS1kRnFpNFFGODdfa21tVzJGa0k5eDhvX3FLbHk2bUR0THVBRkxidTYtMVBmVUF6b0xPNF9JeE4wM2FSQ2JGZThVVkZJRTlrM2UzOGlXUjBrSndiMjcxU3A5SU5FWldsSGlwbS1KR0o3d1NjT1lTN0pkM1U1QmdfWTZ3VmN6MlBMRU9mczZENWgtOUhuazFOTmJVdkgyU0hnamp5WXpnOWxEMD0= |
I looked them up, and they own \~200 apartment buildings in Los Angeles. Each one is average \~50 units, meaning he has \~10k units.
All are owned by his "Family Trust", which I assume is a revocable living trust? What does he do for asset protection? Considering he is an ex-lawyer, I was surprised by his lack of entities.
Meanwhile Donald Trump has a sophisticated web of LLCs and Management LLCs... | r/realestateinvesting | post | r/realestateinvesting | 2025-01-08 | Z0FBQUFBQm5teE5QN3B3cGpYRFVvZWZ6RlFfOWh6QUQxUzczNHVJTUZCY01YS2V6X2djOVRjdHpORFYwYUQ4NkhTVWp0STIxbnhwQXotQU01M211ekpMRTB4bnlNOHZra1E9PQ== | Z0FBQUFBQm5teE5RY3hoUkVESWhfQWlyVkVmZ2lpdFJGaUZRY2hDM1BCX2dDaWljNWhnU3lVM1Atb1drS3MtTFhmb2p0bUlURXcxQUx1VmllUFVPeENMZUkxQy1MOWowUGlCOEM3MkpOdXJWMU5TVG9lWEd5bDJiZDh3QjNjdXpneklnd29VVWlIVWVxRVMxUkVCbjJ4b2cwalBwTUpwQTZRUkh3eHlLOV9jdlNBZThHdkcwZmg5SkVYTWtGcTRONEo0NTlrX2hlWjlxWm04ZEkybnRDeUlGc0J4dmE1M3dXUT09 |
Btc is not in a danger zone. maybe in the very very short term a danger zone but still in a bull run. | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-08 | Z0FBQUFBQm5teE5QVFItUHdYS3BOU3lNNjdPLVV5NjUydTJsdk1KZmxVNWtIS1Ftbl8tZUc0Q0g1eG1kRWo0TzE5MjNtTnNxLXFLVVVnaVhEYUprMW1jeDVycHZoX0R0RWc9PQ== | Z0FBQUFBQm5teE5RVGt2SlNZZ3d6b053QkE3Z2puU2VJdWdrZmNXR2xHQzdRbEExekpaYjY3VUFmWF82ZVN6ZlkzSUptUTlWR0kxVjRPemxVM3ZEMnVRcWpvRzNpdUdYblhVVXZSS0thdWZ1UmtCdWtLdWdoWmthMl9VTXB5azFrY012cjVvRG4tclQyOEl0dkVYUDhkX2RwMzBJaXdpYmtlZjdBUEdIdDRpWFB0a20taVI4Mm9hLTFvNDcxT25aSEpmdXNJcEZrQng3dE0wR3dNc3gzelZicHhjdjhSNnB6UGYwZUxxMVU0WXdlMHI5Wmx3RFg0QT0= |
Just can't stand the thought of my money being anywhere else right now. | r/bitcoin | post | r/Bitcoin | 2025-01-08 | Z0FBQUFBQm5teE5QNzMzbXFKdEdmYk9KVjZ2aDNEU1VlVEdpSE1tT0hTLVNMdVdNSTRuZGdHdnlMSUlXRGNHMmUybmIzR2tyd09YM0V1eWdpdTF4Sm1PRnpoWFR0UXc5VVlSWlk2QlowaExNT25qdHZORUVGalE9 | Z0FBQUFBQm5teE5RZkRJY2NCbmlLMC15MEpDdl9UTkk3ZnRZX2pZOFFPNGRLU1ppdTRjazdvbG1XZG1NMDFqSzdFeUZ0bmhUdkJPUWl1XzlJMVVlaXYtbExMaVVIWHROdjRtcGZUM3VrY0padUR0LVYyVEkzdlZFSXd5cHVSU2t0SmZ1Vmd4TU5ERGFiOXFGX214Rk9OamJvM0hIeTctQ3RDMG5PN3lYRUx0eTJMR1FlTE5GamRpQjlWY2kwcEd0bHNMNGVHY20wM2Rl |
So are all these going to crash tomorrow? I’m considering buying puts on $QUBT 2/21 or 4/17 $15
(Bloomberg) -- The shares of IonQ Inc. and other companies linked to quantum computing tumbled in extended trading on Tuesday after Nvidia Corp. Chief Executive Officer Jensen Huang said “very useful” quantum computers are likely decades away.
Full article here: https://finance.yahoo.com/news/quantum-computing-stocks-drop-nvidia-005300972.html
| r/wallstreetbets | post | r/wallstreetbets | 2025-01-08 | Z0FBQUFBQm5teE5QSERKMEQ5bUYzb0VCV2R0cnEzdy1EYU8weFhWRzFyTlJCX255VFhkT0p6M2NjNGtqT3ZRb3VYUi1wVXNaMzQyRXRaaWJDeUhyZi1oWEh3dXJVcVdZRzJLVTJvb2NENnhyYkFnclRMejFNOUE9 | Z0FBQUFBQm5teE5RNWx2WnpXS2hBWnhzamhvNWlQUWo2cTNfMjhiNDFKajhMM2ptYWtnQXc2ZVBURG10OW1Id3dvYlF6b05oV3I3VlNBUGNXRU1BNmY4VzZWWHg3YnlPN3lIRFpDN09EQV9JYV93MHk2R3FOclhIRFJKdDI3VzhaNWRYX29PVTZZWTEzblprSkxmTGlzWGtVVmRPSVZ6WWVOSUF3ZGFzbVhKYUFTNHJ6ZHBFWWI3UTh5ZVFub3ViTG91QjMtNFd2d09DbDYzbnBKaDN0c1lDcjhJWDVvM3J0QT09 |
Quick back story, I have been trading everything from options, stocks, pennies, and futures for awhile. 15+ years. I love this stuff, live and breathe it every day, its all I think about, always have.
I recently made a post ([XTIA Gains](https://www.reddit.com/r/pennystocks/comments/1hvy5yh/xtia_gains_7200_3392460_thank_you_to_those_in_the/?utm_source=share&utm_medium=web3x&utm_name=web3xcss&utm_term=1&utm_content=share_button)), showing my gains and have received several people asking where people find plays, just figured I could write a quick article explaining how I go about quickly scanning the penny market looking for plays.
First off, you have to decide if you are an investor or trader. If you are an investor, this information is going to be useless to you, because your timeframe is much longer as you are more focused on the company itself and the product. You aren't so concerned with short term movements in price. If you are a trader like myself, hopefully this information helps you make better decisions with your money. Hopefully I can help you make better decisions from a risk perspective as well as help you find plays before they make a move. Usually once a play reaches the front pages of this subreddit you are already too late, or your risk is magnitudes greater than it would be if you bought in lower at a lower risk/reward ratio.
Before I discuss what I look for, the first thing I want to highly recommend is finding and using a good scanner/screener that you can use to filter out the noise to help you follow where the money is flowing. I am currently using [FINVIZ Scanner (with my settings for pennies)](https://finviz.com/screener.ashx?v=111&f=ind_stocksonly,sh_curvol_o5000,sh_price_u1,sh_relvol_o1.5,ta_change_u&ft=4&o=-volume). This is a free scanner, you can pay and have this auto refresh faster, but the free version of 3min has worked for me for years for how I trade. The link I provided above has all the settings I use to filter companies and find companies to take positions in.
Let me explain what settings I have selected:
**Price: Under $1**
This can be adjusted, but obv I am searching for stocks less than $1
**Current Volume: Over 5M**
You only want stocks that have enough liquidity that the price doesn't fluctuate too much when you sell (if you are moving heavier volume). I have found that 5M is a good number where people start to notice it pop on other people's scanners as well. Anything below this, I feel is too early in my opinion.
**Change: Up**
Don't need to explain this one, if its going up, i'm interested.
**Relative Volume: Over 1.5**
This is probably the most important setting I use. Relative volume is a measure of current volume / average volume. (finviz uses a 3 month average for volume). This is basically an indicator that the stock is receiving unusual volume and has momentum. The higher you take this the more momentum it basically has. I like 1.5, because it means there is still a potential move to be had. If I am buying stocks with 10 times the normal volume, odds are I am buying way too high and I am late gambling even more than I already am.
With those settings I have found thousands of solid plays over the years. Nothing complicated, just a quick clean simple way to filter out potential opportunities. You can use these settings as a base and get more granular, but this is what I use currently.
Now once I filter out the list I do a quick mouse scan over each potential play and try and determine a few things, I almost always sort the list of plays by volume, descending. Looking at the most popular plays first.
[Today's scan results showing the obvious XTIA, SVMH, RIME, and BHAT near the top.](https://preview.redd.it/7kwj0p8pvobe1.png?width=1466&format=png&auto=webp&s=f372b56517e349ba88ab3f0cf4223f45eb5ae15a)
I am a technical trader, what works for me might not work you. The beauty of trading is that people can have a 1000 different ways to make money, and what works sometimes doesn't always work. There are times when penny market isn't being consistent and I will switch to trading something else, such as options when the market isn't range bound, or crypto. You have to learn to follow the money and develop a sort of gut to learn when to leave a certain market alone. It has taken me years to develop the inner gut needed to know when I should bail or stay in. And I am still getting humbled every week with various plays I make.
[Filtered results with chart from hovering over ticker \(Finviz\)](https://preview.redd.it/ln9wpkilvobe1.png?width=1464&format=png&auto=webp&s=204be9f7be9b4b10b389c98cccac0916a0418051)
When I have the filtered list, I quickly mouse scan over the listed tickers looking at the charts. A few things I look for and rules I have for trading pennies:
\- **I do not trade gap ups**. If price has gapped up from the night before I do not trade it. I do not FOMO into anything. When price gaps up, your risk increases dramatically from the day before, because now you have to wait for price to form a new base for you to determine where to cut your position loose, or where to put your stop loss.
\- I look for companies with **good volume** with **low market caps**. Price tends to move easier with lower market caps as it takes less volume to move price. If you can find a position like XTIA that had $1B volume and a 16M market cap, the odds are in your favor that a move might occur.
\- **Always look left first**. This is a simple rule I have which basically just means, look at the chart and look left to determine where price will encounter friction. These will be zones, not specific prices where price will bounce around and act as resistance. See chart below for what XTIA looked like today after the explosive move it made.
\- **Avoid news plays -** This last rule is a soft rule for me. If I am trading news plays it is simple for a quick same day exit not to hold overnight hoping for continuation. Usually I have found that I have had better luck with "expected news" or rumors. **Buy the rumor sell the news** type of deal. Most of the time news causes gap ups (or downs) that I avoid in rule number 1.
\- **High SI(Short Interest) is a bonus** \- If a stock has a high short interest (see gamestop), obv it could just be fuel for a more robust move. I usually check a potential play for higher short interest as it increases my conviction in a potential move. Doesn't mean a stock must have it to move, XTIA was only 3% short, vs CGBS that currently sits at a 88% short interest. Any sort of catalyst could send it much higher.
[XTIA daily chart](https://preview.redd.it/35r81vzfvobe1.png?width=1472&format=png&auto=webp&s=6000a0407fd48117113c715e4a35b84c2c9fc09a)
This popped up on my scanner when price was still around .045 before it broke out above the past resistance of around .05-.06. I knew if it had enough volume pressure, it could make a move towards the .115 mark. Then I knew my final target would be the choppy zone of \~.20.
I love plays like this where the risk is very calculated and basically non existent. (not non-existent because a company could delist and go to absolute zero, but this had been trading in the .03-.04 range for over a month. So I knew my only risk was $1500 roughly (assuming I entered with 150k shares like I did around the .045 mark). Its like a game of poker every day. You determine your risk:reward ratio and as long as you trade the same way every day and win 51% of the time you will be a profitable trader in the long run.
[My calculated trade risk \(all of this is done in my head now of course, but this explains how I think about my entries\)](https://preview.redd.it/ydhaa0rcvobe1.png?width=1462&format=png&auto=webp&s=c2f1d6aab39a52b35678060fef1ee5167fb39158)
This is roughly the same position I had in XTIA, as posted in my previous post mentioned above. I entered at .048 with $7200 worth for 150k shares. I usually trade around $8k for each position I take and risk roughly 20-25% per trade as my max loss. I ended up closing this position for roughly $24k in gains after selling near my target of .21, which ended up being a risk reward ratio of 3:1. I will take those risks all day every day. I almost always try and look for opportunities like those.
Trading is all about risk management. I know you've probably heard people say that without really ever explaining it but that is how I have found to be consistent. If you can find plays that help you manage your downside and be calculated with your entries, while maximizing potential returns you will be a winner in the long run. I highly recommend learning to read charts. People shit on the ability to read charts all the time (like I said, what works for you might not work for someone else), but I have had great success learning the ability to read charts and being able to identify support and resistance zones on a chart. One of the best books I have ever read to help me read price action is a book called [Reading Price Action Bar by Bar](https://www.amazon.com/Reading-Price-Charts-Bar-Technical/dp/0470443952). I read this several years ago and it is one of the best (no this is not my book, I wish :)).
Hope this helps you identify opportunities and make better risk calculated decisions with your hard earned money. The more you do this the more confident you will get and this will be second nature to you. While everyone else is panicking and freaking out, you will have already have made your profit and moved on. If you have any questions feel free to ask in the comments below. Link is on my profile for my twitter if you want to follow along. Thanks for reading, and I hope you have great success for you and your family!
\- munky | r/pennystocks | post | r/pennystocks | 2025-01-08 | Z0FBQUFBQm5teE5QMFlSWWZiSkxEajJ6Q0htZ3hmNDNWTllFVlJsRWUySUVMOHVHaEh2SHZrc1J0VHFpRnh4RV9UbUZWM1FYaGd0d0NrM2x4eEZaMWp5dlYzUmVsWXVNQVE9PQ== | Z0FBQUFBQm5teE5RaE5iLU94ZHEzcnlmU3FQbzkwOUFUUUNENzhUUUxMVHFSZ3FhTjR0UE9UcGV4NjUyejdHal85ZnpKWU1RTGpfOThXcFduMTZIbjI0WUwwdVVyeUNPTEpqR0h3ejJMMjFIbk1NTDVEU1gxQ3pfMnJ4aGx1dV9XbzNRNWFYazdzWlZ2UkcySXhCdFpnbEhQNGtkQlBuVmZBNDg4dVlfVU5aSjVaWGw5R2JDM0JacC1GTVlmVU56SWl0cnI0dDNmZldVN2JjUmg3Tll3cW16b0pBeU9XR0dmdz09 |
Hey, DeFi fam, just curious—what portfolio tracker do you use, and what’s your favorite feature? Also, what’s something you feel is missing?
Here are mine:
1. **Debank**
* **What I like:** Comprehensive protocol support, detailed position breakdowns, and transaction history.
* **What’s missing:** (1) Custom timeframes for charts (2) Zoomed-in charts for individual protocol positions.
2. **Zerion**
* **What I like:** Mobile notifications for interactions.
* **What’s missing:** The chart and portfolio features aren’t that useful for me. Some protocols are missing, and the charts don’t always reflect position values accurately. | r/defi | post | r/defi | 2025-01-08 | Z0FBQUFBQm5teE5QdkNHN2Q5YTFtY3BpM0dnSnlfd2xwODE5VDYwUXhuQ2FmR0NfUnpkbEhuTmppVmNvdVgwOEtVekhNdlRUN1NUcXlLZ2lkdlJPd1pXcm9qQzVUZXlySVE9PQ== | Z0FBQUFBQm5teE5RSkQ3RWJmRk9aY0FJellVOVpoVFFtckt0YWh6Um1ycDhhTEREeFp0WkhLNzRwbF9WQUpINEEzZU9yRFZtUjV4VkZJbklhOURaeG1DdFFQS0RvcmQ5SGNhcTZENlhqcmw5WXhmVENZNkxRUllhZHl3NmR1SzN6THJkRW1yQ2ZHcVFYcjFCd3d2T3hJZGI4VmhiT3hrMGZ3eFpPX2lYT01DNzczd21zelNKQ1ZGM21kRjlxSS00U3VtR3k2b2toWkltS1E4Z3lUN0o1WXo0c2txQkV5ZHoyQT09 |
Hi r/algotrading!
I’m a software developer with experience in algorithmic trading and backtesting. I’ve recently started freelancing and am looking for ways to connect with traders or small trading firms who might need custom solutions for their strategies but don’t have the resources to hire in-house developers.
So far, I’ve had decent success with Upwork and have started exploring networking on LinkedIn. However, I’m not a trader myself, so I suspect there are other opportunities or venues I might be missing.
Are there specific communities, events, or strategies that have worked for you (as traders or developers) in building connections or finding collaborators?
I’m not looking to promote myself here, just genuinely seeking guidance from those who’ve navigated this space before. Any advice or suggestions would be greatly appreciated!
Thanks in advance for your inputs. | r/algotrading | post | r/algotrading | 2025-01-08 | Z0FBQUFBQm5teE5QQUFRWklGXzBUZGNLc0FkNnNNSHRPQS1xdzVQYmhrQ1U0VVJiRHNSU0VHRGl6MnJ5cWVGMU5QWTFCMjV6bkpFZUtDNTNpMUNxZWNoQWZ6cWo1anNxaWc9PQ== | Z0FBQUFBQm5teE5RNWpiaEVmZkpYcm5kX1hOOHNadmZ0dmlra0VsTXRvaXlkQWt5dG1RbV9taGxhVFoybTN5VnhLU3AxR0dBaGRDLTdNWHJDajd6S19mbGJRdVdTUDR0NF9JalN0eG9MZ212cG1BOHg2a05hZk5Fd3l4YTBKWXZvUXRNbDE1QTFoY0tlWlRaYWdvZTlTbGR2NUlQVl8yZWpUbVc0R3RsNmc1NDBuSU5QdG5HdlV6WUJnOE5SbUxBRUFQdHZBeXBCRU9LLWYtLXkwckE3cjUtZGtSWjVjQXVLQT09 |
The latest one:
[https://www.reddit.com/r/Monero/comments/11fslu9/monero\_general\_fund\_transparency\_report\_march\_2023/](https://www.reddit.com/r/Monero/comments/11fslu9/monero_general_fund_transparency_report_march_2023/) | r/monero | post | r/Monero | 2025-01-08 | Z0FBQUFBQm5teE5QckFDYXRmUGx2OGFCNG82VEpqX3NIT2oxX21NcTdlN2NsbGM5N1E5eWRMZUZXamZ6RVdnUnFyQkFvY2FCNkZoeXZvOFRuTEQxTjFIbmg3VHU5VGNiU1E9PQ== | Z0FBQUFBQm5teE5RTGU0ZTRQWjZxRnNWNHo5TGNPZWNWRWFGRmVSTmxXYlNzZURXa01KQTNaMXU0UW1ZcDFjSndvQkNYczBiaFAzTVNOWGVOTWtWcWZ2MjZMc1VBWG5hekY1Yzg0c1VEV0RaWEpUc1hmdmUxczNySy1yTDRmUWM0UVcxSjdmR1lhRWl6LXdhT0VmM2JEZVhRdm45cHlvSHFjSXFidV9xYmdfZ09IemxFVXgyY256R3ltWWxHa2hLRFRSTnprUENuUzAyS3BFeTZnYkhCT25HdlJFNGpJSVAzQT09 |
I want to start filecoin mining. I can build a 320TB machine with 1GB internet and 256GB RAM and a good video card? How do I get started? What is important to know? How much would the profit be? I would be grateful if I could get some help from an experienced miner :) | r/filecoin | post | r/filecoin | 2025-01-08 | Z0FBQUFBQm5teE5Qd2N5UlQ3S2w2MUZzMFhQUVViY2NaNEpRNmJxQkdYU0UwZkxKNGVQZ0ppYVhHcDNXLU1udDktdEtyc19wTGo2U1Zuc3pOOTVPb0R1M0c0WDJsWVhUUGNXQjBVX1I4emFEeHNJMURJa3ZSRzA9 | Z0FBQUFBQm5teE5RSHI3MUtIZDBiUjZrM1lKQmhHM2RoT0UwdjBSaFJsdjlCWG9WQTRWNU90Wk5lNGhLNzV2NHdOVGZBVi1mOFNjZjZlLU5VdUs0Nk5lTC1KbG8zUWh3RV91ZFE0U2NvVER2YVEtbmZDM0tTVmo1bFhuWjQ4R284T0hkMkhtbGhKMlZHYlp6Njg4UW1HUHBFX21QdEZoV3MyaFRJZnV5YVVBbml5Njl6YWlsQ3hBPQ== |
Make sure it's up to date: [https://www.templewallet.com/](https://www.templewallet.com/)
They also have support groups here:
[https://t.me/MadFishCommunity/](https://t.me/MadFishCommunity/)
[https://discord.com/invite/qFRZ8kVzkv](https://discord.com/invite/qFRZ8kVzkv) | r/tezos | comment | r/tezos | 2025-01-08 | Z0FBQUFBQm5teE5QMDFDQzJ1Qmx3Y2tRVUJSeHpneGtyS2ctLXd1VDlnbVpwanN1UGtua1Z0LTcyVUE1STU2YU1GZFlpV0F5VlYtcDJlNWVTRVZEd2ZTcXNQU0Y3THpkamc9PQ== | Z0FBQUFBQm5teE5Rb1R3bXYzOGxvZW40UVJEbk5YNkdHX0lKcnd3cXRZVTJhd3c4dkV5bFRFYVJIWEJwdS1HMk52bHR5SVp4d2MtNUlPWnM5a3dpclEtM3h4a1BPcnlhb3NjSVU0cms2Z3ZKUHp2MHRpRWN6QXotQ0NzbW1BYjVOZnZWZlFpcWl5M0dUSVdRZ1Bzck53NUp3ZEF5Tk56bWRHZFI2S3V5Q3JoZF8tcjhGOG9Tb3hadzI1VXZzcmFJeTYtS3dpSk9XeWxHMFFuTnU0YmZDQXJsQzNzT1dDOHNwUT09 |
Poor Dads are selling. | r/bitcoin | post | r/Bitcoin | 2025-01-08 | Z0FBQUFBQm5teE5QUHNLdWVUNU5zR0NTQTE0OWFxcHRqNjE0X1NXdHNON2RSdE8tY21GVFBFbjVuTFhKSWFwQnp4VU85dmdvTENjNHFkWWExcmxVazZuWE8xZnJqM21jZkJyV1hKejNOeG1xY3IxYVNaeERkcEE9 | Z0FBQUFBQm5teE5RdUNvYllRZldoV1FhZmtPXzlyMjVGTFFNOUZCYzBOTnc0NmowVUk5anZPUzJrYzhhTkZlNWticXNHQ0VvQnVlM3o4MF9XczQxVFBzWks3T1Q1aVZMNHVxVC1oR05fTlF3Q08yVXMxZHZGSlJBbjBRX3ZuTks3WEl3ODFIdG9hVkxDVXdQZXlkNWI5SmZsTjBQVHFtSUlsM1FvZWhQZHFJYmt1R3FURWZaZGhZPQ== |
Looking at Palantir ($PLTR), I think we’re about to see a pullback. Here’s why:
1. Seller Pressure: There’s a noticeable seller pressure building up. On the daily chart, we can see a consistent uptick in volume, which indicates that there’s more selling activity than buying. This is often a sign that a stock is losing steam and may be ready for a correction.
2. Valuation Concerns: Palantir has been extremely extended, especially considering its current valuation. While the company has impressive technology, the market is pricing it at a level that might not be sustainable in the long term. The stock has run up significantly, and there’s a chance that it’s starting to reach a point where investors may start taking profits.
3. Technical Indicators: The volume uptick combined with the valuation concerns points to the potential for a significant pullback. With the stock so extended, it seems ripe for a correction or even a more significant selloff, especially if the broader market starts to show signs of weakness.
I'm thinking $62 PUT 2/14 After i see this pullback if we get it | r/options | post | r/options | 2025-01-08 | Z0FBQUFBQm5teE5QN1pZU2l6Rk5maWRqTU1HMFdKX0Q1ZUxpZFVMTXlnUy1KeFlCVEVkU0RBVEFBaU1vSDdYbVlyenVDX2hENmhtTXF5U3B3cHBiR28tZVg1YnQwNEY1b2c9PQ== | Z0FBQUFBQm5teE5RTnU2VmN5YVY2TGd5X0RSLWpHdVNDNUVCVFlKQ0NLcVZ3cHpBcjJZVnRDdlg5QTRVMUFBQzFtRjV0a2t1YXgyeWwwYXE4d0lMTnBraGF4S29aZ2tFMWNfajZuWWdfSE1yRlFvQ01XOGNlaWVERDFhaGJzR05SNjZUS0tuRFJacTVuMTVQdE9oTXZmY3VXNlg0VHRkSFktV3YycjR1dFR5OUh3dDNjTjNoRndRPQ== |
I've been using FMP mostly for a couple of projects I'm working on and they're great for the most part, but are raising prices significantly. Does anyone have any recommendations for a comparable source that's ideally <$5k/year? | r/algotrading | post | r/algotrading | 2025-01-08 | Z0FBQUFBQm5teE5QYXJOYkF1U1c4cmVxYVkzdG9YOVJQVkdwdllFd1plMm1IaEV5TjV2LS1VVEJnV205YkJBakM4bVFYUVhXRmFqOVRIb19IX3FYZ09vOEJhcmNQa2Q5elE9PQ== | Z0FBQUFBQm5teE5RWUNQdnFGVHJVUy1yNmhOcXBlUnYzQkwxMlZxcEp1ZVY5bmpxRTZFZWlRSjl3S1Z0RFgxLTJDcklaVHZCbGZEY2Z1MGpZc3VSemd5bGl6SEpNWEZUTEN0NEY1Mkhmd1lnUlU5Tm1MaTZGNW1YbnVKVks1Tm9DR25OVWROcHJtc01HRE1QbWdiVTE1Nl9tWG02NFUwakM4ZUFyNEl2cjh6RVlWckVKeXlxbUVrVU5sR1RTdk5fS3YwSm82WG1yNFQ5 |
20m here, pretty new to credit cards. I'm already preapproved for this card, and i can't see the downside?
I keep running the numbers on it and its just a frigging fantastic card. 6% cash back at grocers and streaming services + 3% back on gas and transit? That's amazing, Throwing the Disney+ Bundle and its just bloody profit.
Is their a catch here besides the 95$ fee? | r/creditcards | post | r/CreditCards | 2025-01-08 | Z0FBQUFBQm5teE5QTEE2LUJXV19MQWVZdUVDenRvSl9NTjRnRFB4RFZyRGpTX3lrRFBsVlI2MHlIeGVnd3dPU2Z6SVEwS01XcXhmMV9RMmxJeklXaDg5UXN3VTFJX2hyQ3ZxOWp4aUZSYXR4MW9zelZzS2w3amM9 | Z0FBQUFBQm5teE5RcWM1MVRjTURhSmlPek02V1pySG1yYjZ1M0tJbjN2bzVlNVR0MWtzLXFxYkhMdFJWd3lDeUd6NkZzZ3ZfMEFadFY4cEdxMjhqTEVTelo0WlE4UGZDYXk3ekUtUE1UbHV2dDlXaXYwQnRhUE05emxLcEVwLVJzX1dvZnBYeVdMV0FBVklpMmRvd3ZWMTZXU3BBa0plU2hVdTcxazRXMlBHckw1YWZob25fb3BHbVk2di1hYnRyNW41Q3FHUExULVQ4aHNaSExIY0pxeFQxRmpuZlV4dkFMZz09 |
We're soon opening up a hotel in a mountainous area of an eastern European country. I religiously love what Monero represents and what it can offer us, only if enough people believe in it. I want to play a small part in it, so I will accept XMR as a payment method for staying in my little hotel. | r/monero | post | r/Monero | 2025-01-08 | Z0FBQUFBQm5teE5QR1dkQkZtQk1IZVFlRGNqdm94N2hpT3VPOEV0YjlqS1VxdjFnc2E3bzVvNExJd3hSNzJEcEZZajJSeWF1b05laDZ6Sm5lNTkzTmRRM2hlZElCcFo5TlE9PQ== | Z0FBQUFBQm5teE5RbC1obGZ3aVNSLTFhVDNxMklnYkNNdVlYblF0ejJPLWZKWGw1bHJQRUlrNlF4c21KZmVteHJsTGR5Z096NWwwb2dJTWF4VnEzZUxoWGJzQVVjZEF0S0RXZGdrV19LS0FoLXB0cUNmdmQ3Ujc5NVFjTmlpcmxSTmx5aFpPSjhSdWVfMnpONGd1eExxMWN4T1JqUTlmWEFRRWJVYWZ0cFE2YnloT21PWXV5Z0JVM2NjZ0puUlZ6XzYweFNEbEE0TzRtbUhnbnRKRlUtSkRqZXA3alpfQTJWQT09 |
https://reddit.com/link/1hwgr5v/video/1lrtcgbruqbe1/player
We’re proud to announce our partnership with Request Finance to empower businesses on Zilliqa with efficient financial tools.
This collaboration combines Zilliqa’s high-performance blockchain with Request Finance’s user-friendly platform, enabling companies to streamline both crypto and fiat transactions with ease.
Learn more about this partnership: [https://blog.zilliqa.com/zilliqa-partners-with-request-finance-to-simplify-web3-finance/](https://blog.zilliqa.com/zilliqa-partners-with-request-finance-to-simplify-web3-finance/) | r/zilliqa | post | r/zilliqa | 2025-01-08 | Z0FBQUFBQm5teE5QaG9mSV9iWmV1em1PTy1rcXZOV21qOVpDMGNmLWNVRmhJUVpGQmNtNHZtN1d0QWRMRGJjMllvYWZZMFRzMzdHN3VXNXRmbWdlNW5vWDZCMWJ1ZE5PWGc9PQ== | Z0FBQUFBQm5teE5ROFc2YVllU0ZTZ2lRY1BWN010RVJYVWpGWHNUcFJQU0hOc1dySGNsbjlKcVJ3SU02WnN0OG5hYnlKMHNmc1U1eUNlVVN0ejV5Tlc1ZGdUUnY1aHdJM3ppdTlUV0FZbHZOXzZlaGpFV25xYnNxbmQ3ZEtRcjE1MG1TNkpUVlVqN0xhNDkwM3M4bE5xLXdpd2VDUWNIRGpFOVpQUzFXMHB4dklSTWUzQ1ZKVTl5WG83NldVaWpPcUVZQ1BULS1jejA4dllQcmRCc1ltak1iTkNqSTdpeTFCUT09 |
Can someone explain how utility changes anything on the token side?
Assuming we all somehow trusted the developer for a long term project (just entertain it hypothetically) wouldn't the only guarantee be freezing the coin and having an already legit business which reinvests profits constantly driving price up / distribute dividends based on our holdings.
I suppose with the option to sell through a centralized method to avoid chart wrecking perhaps once a month and only a certain amount? | r/solana | post | r/solana | 2025-01-08 | Z0FBQUFBQm5teE5QZzFSQ0pzeDBlQmE1SDlVOXhCRjVnV0VpRDJDeVp4ZmRtcHFjZnI0WHFKZWprWlI2MDh2VUxqaFJfclFwQnNBN3ZCVmNaN0V5c2x2cTA5Zmp0QVpLT1E9PQ== | Z0FBQUFBQm5teE5Rc3ZHNVprZ0F6NHlZOHFBallaSFF0cl9uUWJhajljcWdtMGJpbGg3bzl1SXZuZlRIRW9hSV9HZlVYWGZtaGx0SjdXaFV1ZVpfeEd2S3g3WDkxNjgyOEg5cGVGWF9mREJncXh6b1JzRWdJc0FOd0xRZ2NPTndqWVNYWXU4MU5ET244UU1RU19QUFh0SkxWM1lrWmpMSHhKbU5xLWJTQ1R1NFRIRW5MYlVDQzFza0hfMkN3aXpYeW8wTlNqTl9za1FpNWd0NHdqWkZJa0xuSU5jTzVvOFNpdz09 |
Etc since 2017, u idiots are on the same bs repeat mode every cycle... just know when etc does pump the cycle is usually coming to an end... $350-500... | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-08 | Z0FBQUFBQm5teE5QR2xjLXRXWmNyUHhuTmp6VW9OOExIMF9XUGNQUThXeXlrbFplYzlhT2ZyVXkzZTlVd0k2bTdQWldlc3VIdGRuUlNxdUpCdjB6aVlRUXhzdzg4NHlHUEE9PQ== | Z0FBQUFBQm5teE5Rd2RSRVdyM0s2MU8xMnU5SVpTTzlFcWVyODl1Q2plX0wxZGNVZWxUU0w1R1RPd0VRMzNOYXFyUFIyUVc2bkFUUkFUb25wQUVLajF2OUM4UERMOXRQU2JiUnI2ZDhhUjlZV1BocDhYVHVyQW1mdUtweWJKRzdVUkRaLWZxSml1VEo5MkpPNFIyTC1OWGF6LU1mVTM4b2dHMjZDSmtqQnBNRGVnRDgyUUlLejhuOE5VVDNBa0NaVk5IUUN6R1N3NTZfOHcwQWY0emo2UFFPQWctWmdqbGcxVlpRNUkyNEhRYm1qOU1Wc1VaUjBMOD0= |
my situation is that i dont even have too much, but since i’ve talked about bitcoin to ppl, my used-to-be best friend has gone maniac last few weeks when btc has been on fire.
he has multiple times asked for money. it was a business proposal. i’m ok to business proposals but he was arrogant and just says its not big money for you. but it is!
now he asked for a few hundred dollars to buy a new electric gadget because his old has lost battery
what the fuck? he thinks i m a bank?? business proposal was another issue, and i’m interested in such issues, but now he thinks its just ok to ask me money for unnecessary bullshit things???
i think i need to cut him off. | r/bitcoin | post | r/Bitcoin | 2025-01-08 | Z0FBQUFBQm5teE5QaGJzYjdVTVRab202cFhUdlJMc2F4b1B6ZW9VcHFuSnRESGg0WEVSXy1OQ3A5M3NKTXl0bGNIb3NaUzN4UnFSLWYyeERiTzE4TnpXWmpLaGc3VWpZYnc9PQ== | Z0FBQUFBQm5teE5RZUVJY1BWZm9GaWFzTHVseGFyVHRfUVdTN0RUU25ERG1EQ2xmLTJvOGMzNXA5MlNydWhYbDFUakxfMVk5N1JMWVBlY3JvbFVQTWtuM1JMdlhCa1lXdC1WYV8welEtRjZIb0FTMFE5N1F1TG1QdUQyUFBoWE80NmJrei1DN2FyWkZxaGJnQkx0NXZHcVB3M2h2SXFFMW9OWVFhZDc4LXdLWjZpWkVmdE9KR3NlakF6elJVaEZxU2VzaTdQZnZua0JH |
Hello everyone,
I need some advice.
Two of my sisters are on a mortgage for my parents house and they are asking me to join the mortgage so that they can both come off and buy their own homes.
They said this will only be temporarily though as my brother said he will join the mortgage and have me removed from it next year.
I am wondering if me being on the mortgage for a short time will strip me of my first time buyer benefits or not? My sisters are saying that it won’t and I do not need to worry about things like stamp duty and lenders will still see me as a first time buyer afterwards whenever I am ready to buy a house of my own.
EDIT:
Thank you everyone for your comments, I am planning to speak with a mortgage advisor.
I guess I was right in thinking I would lose my ftb benefits, so joining the mortgage won’t be worth it for me. I will suggest to them that they wait for my brother as he doesn’t mind. | r/ukpersonalfinance | post | r/UKPersonalFinance | 2025-01-08 | Z0FBQUFBQm5teE5QUGlZcGliMUVKSU1NcGlnNVBQTlRLUWhZZGRRUU42RkpaNHFKbmFXR0dlOF9Kcm5VMmViUXZYM0QxZlRjYm40ejJjRk5uRGNoRmVibkVHMnhIaU1LWUE9PQ== | Z0FBQUFBQm5teE5RbHp0c2ZsYUFIekVfenJ1eGVmME8xRS1MdFhxbGZyLXBqU3RHMmI1NTR5dkNkTUdHbzhVdmxrX18zbV9kaUU0ZWJPN1NoX01CbWhzdGFpanFFSnNfVUtkbDVTaVUyejhydmptWk1laGJ6U3l6YTFYWnVGbDQ2OW5MalZ6dmZiWFpRUWFmY2FNMldXd2QwN3BDdWdYYkh5UE1oUzFlWUhtYW5GWFE2TDhEQy1uYTlTM1lCcHhOcHAwQmdfNldWTUVxRmxHR0VSVGhtUzJlTlBJcHN6aWwtZz09 |
## 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 | 2025-01-08 | Z0FBQUFBQm5teE5Qcnp1MEx1RXZ5ZDYtRGRsSnUwNWFtWUxwRVJLd3pqYTRRTU43X29Ic3Q4Q21GY3RRUmVsQ2lJSVBUcVEwUzRtMC1kQXdZci1QMUdUZExvSGRpTUgzNDUyVXVDRGhYQkZ5OTUwbXlfY1g3OTg9 | Z0FBQUFBQm5teE5RY0w0a1hsZWdnY2g4U1NldTRONzM4a2otMUxrVEdmMjNIdWlzMWtRUVZSbFg5Q2xobnNKMHlhbTlxUWc0WWcwWVZkR2t5cGxsVUM2eWg0WmJRbnlpU0RVc1ptbEZGU2xtdlBqRFRRZDdHVVMxUm5QVmJpWDhERjdaWTJuYlg3RUdSYkpBSXoxbDhMX2dVdTU5eG9xNkhRZ0ZqaFY2czlrZU15bEt2bjVTMzJKMXl1TnBnbXpWeUM2SUFOSU5WX3M3 |
i know about all of that but no money coming! what's the point 😭😭 | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-08 | Z0FBQUFBQm5teE5QcmxRUnlUZjBBWlVudzUtQ0NTaFc0WS1GUXBNdVRXT0ZULXpzVUw1Y3ZtVkRHRFRLMTlldGtudnU0cURVZ3FsV0ZoNjBUVUxqWWhPZVhUTTJFY0lwb3c9PQ== | Z0FBQUFBQm5teE5RS3dVNXVWZFU0YXNVeDlvUlUwQ0NRZTVzT3JUcFpFb2ZMZnRUSVBjSXBYZUJTR1ZvUHo0OVc5ZlNrWGVfYmFvUTY0Mmx6VlJabnRJOEpIb3VsaTN0endWRlZXMjI5UGlTYkhsRXUwWHMxNXZKZG1oRk1ydHdrWVZwdlB6MElFWThIaU1nYW1ZSTYwbXBZc2lmNWV0R3JVZ1R5M2VnNFNoZGJuWVNEbFBmdmh4LUhWS2x4bnd5anE0RjhSaS00d1lwMEpDcENCa2hieG1Bb0d6ckp6SndnVXhwdG9xTXBPVjFFbUpMajdDVzd2TT0= |
Sadly these are facts - ETC has no support or narratives 😭 | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-08 | Z0FBQUFBQm5teE5QdE53QTcyZHBLR2JGVmViYzMwMVhUMlNEaE43OVFsTm1zTVdDMzVPOEdBQWlZUjRob2hRX05tMk13MlAzTTdvWkZMSHViNjg3aEJsZnlrVUVQSHpmWHc9PQ== | Z0FBQUFBQm5teE5RS0ZRN0EtcjV5YnJkb0ZrSndCSEJacm52eXFWNWptbEJhN3ZMVmtQUE5sTVJ1eXZOM0RJUGstYnc3MWdDTEtkc0NjbkFwSHdBNjJxdVVxaTJNejYwYkp4Y3FSNjh1d2p3SEhNQlQzLTFwOGZpdzBUTmJaX3FLTzdmVThyUnRjVDd0T0tMWG1MdV8yaUsxYXJGUXFHMjVSNHlMbWxpY2ZoVzlFRHFCUWRMWTAwczNYNVdZTzEzcExDdkhWdTRSWjI0MnkxQ0lyR0hwNjBnY1c0OHFvdmZVUGpHNFdNYnVQV0tJR24yWG1pYTJWZz0= |
chill ! Sadly these are facts - ETC has no support or narratives 😭 | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-08 | Z0FBQUFBQm5teE5QSGIyb2E1OFBxTTFEUTEzWm5PT1hNSDNBSm51NVpzQkx4dnNSQjJSTEl0X21GcG9ndXVCaUVNa3pGTXZQSlkzdk1XSkxTb216Y3h3ZXRtWmVQcXhKMmc9PQ== | Z0FBQUFBQm5teE5RLUc2clA1MUhvSHBnM3FSdm9TMmtpVGlGUWx5dFNRMWx4Uk5HR3BrY3pJN1pUS0J4Sm5tR3FIUHFwOFpBT0FXZUZyankzVUtUQnFOQUxHeHhzS2dqdWxVT1V0aDlhVVkzd0xPS0lTLVk0ZHJVN0k1alBrVGg4a0NWM1p6RnNWVDBzUW9jOHZQWUNGOFh6amRueFB5VFpHOFhraFpmM281b2RuaDZhOTVPWGFXa1RlTE5kd0pxTWlFdlV6NmphcERETTBOOGp5VUR4ZHpIM2FUVXdEQmtJSTV0aUljVzJWTGljYnZhX3hYcjRsOD0= |
Do they use hardware wallets or are there other methods for storing larger amounts?
I don't even own a 10% of a single Bitcoin, but I was wondering this while I ordered my hardware wallet.
How do people with 100s and 1000s of Bitcoins store it? | r/bitcoinbeginners | post | r/BitcoinBeginners | 2025-01-08 | Z0FBQUFBQm5teE5QNHRoazJnT0M2WDRwT2ktVzE4aDVpRGxqeFVQTG1XMHNGcjlvYWl2QzBDN29ZYTFuWXROcFpvZ3k0ZDk2YnhQSVh4MG0xV2ZNSk9kbnBUWXFMaHh2bXc9PQ== | Z0FBQUFBQm5teE5Rc3I3NWZuUDItUWdEcGk3bExQbzFPdFl5SXB4bW9yMVpBZVExSWh5bFRkM0I0OXJHUTJJRFZUWi1HN0lneXUwS2FNWGNWdXVycHpGZDV2b0xkcnl0bzVnSXNIU3V1S0ZMemgwNFhpMDlXU1BWUUJmT0t0VE5PcnVXQnVmVGpuVmo0QnhYSlhYd1VUcUxNeFN6NXc1TFl3VnpwVTNqOFc2U1ZtNGFNRk9hVVVkUWQ1cnBSNkZ5dDI3SmN6bzV1eGVyUjFmRUh0czhEbzRzNXlJMk9RNHJQUT09 |
Does it work? Is it safe? Is there some decent trafic, i.e. is it a place where one could make some money? | r/monero | post | r/Monero | 2025-01-08 | Z0FBQUFBQm5teE5QVXd2TEhya2pRVldUNVpnYjZ1Q01nVUZkM1c3RXZTT0FwNGVXX2tZWUlmdDVnYUNQQzlYQzVmb3ZGdG1YME9NTHBTWWsyRzZnazNmOFVzRFZRNXBJekkyakVINUhUdWlSc2pyVkI0aTRsb1U9 | Z0FBQUFBQm5teE5RSmFpckFZOFhPU0R4cXd4aVphRWtFZVNNdllESktFcEtlTHJOYUdLZTVKVGhCX1VrNEswa19WLWVwWnpmUTRNNlpaMEN6c1lzczRjTDBLMFA2a1l1b2tpQVZRdExDZnVVb3hVLXYxdzliU0FpSHd6Ukg2NmtOTmxTTWk0Z0x0VGptNmJhVVRqZllxd19kd1pHNzdkMk83Q19ybmdkUnFPS25ZTkxOMUFFcTRZPQ== |
We created a solid community with diamond hands and we save Platypuses through WWF ! Utilities, art, hard-working and fun people here. Happy to be a part of it $PLATH | r/satoshistreetbets | comment | r/SatoshiStreetBets | 2025-01-08 | Z0FBQUFBQm5teE5QdjhZSnNLeWF0Nkt0V3VpZWNmVWNjTU04VTduV0JKaGRzUThRbDMzTnlqbTNHM1JnazduQ2tlVEVPZUNTMTQ1NWFBUmMwWFhnMjF3UTNRRGdHanVScFE9PQ== | Z0FBQUFBQm5teE5RZTVhZFFGMHZwV3M0MTFNUHg0cUFYRjlLWjBFdDJMZkhORGt6QWxVcEVwRDFoU0V6cjlOb2hhRi1NUkljSEMtTHBhMUJ4Zm45dzRMcGUyYzRSWnJrTEJYMXJ4S1BGdzl1T2FpY3JUZ200N3gtOWRwQk9CeVhzWXFVRlRhVFFhUzhXM3YwUkIwX0xXcktBZ0x4dGJ2WW5zQ1M2dVZGNTZhT3J6OHA2bFNEOWExNld1cjBiTTlCNEhKcUtmazNRRTlWRmF4QmVkUkNSWGpHbEZzMXhfT01xVkE5MGRua21pejB5bzU4SWc0dTRUdz0= |
They’re removing liquidity from their project.. definitely not what I like to see | r/satoshistreetbets | comment | r/SatoshiStreetBets | 2025-01-08 | Z0FBQUFBQm5teE5QLTNsNkxSZUE2YWNWaFNkaGI2RjQtaVI4UXZXSTNtdTR0U2ctN1IzVWJzbjNNMjdEd2o1YkxVQThTVTNWTWFZQnd5b2VHVEVucU9zeGpDdllmVTlwOUE9PQ== | Z0FBQUFBQm5teE5RcU40RUpoUmV0cUx5OTNtTURDZU14TG5ISWxJQmpQLTFWLVFBaThIVHpOUzZydXI0WEI3eVA3WmNnNHFlVjVOTldNVXd0LXFxcWZxRWdFOXRua0t0N18wS1ZCQXgtRmdNRGR1dkpNcURPQWJ0U2Ntak50S09veUVoRkJ4bDNScjF2ZlpqaWZ6TjZ5NmJtYVc4TXFNM1UtVWU1b2lTX1JaQWFITW1OcFpONmpLMW1aWWxiYWp3V2taUnNTNGNaUFByV1RHVnhwcnlmVVM2d19EZ01PQjBnUT09 |
I receive $400 to invest monthly, should i stock up on cash then wait for the bear or dca into some promising alts (SUI, ADA, SOL. etc) every month. Also want to get your opinion on meme coins which is practically gambling but the high returns over a short amount of time is what gets me. | r/cryptomarkets | post | r/CryptoMarkets | 2025-01-08 | Z0FBQUFBQm5teE5QelpFMERaWFFBY0VjbW1iZWVqWk5WT2xVZFBLMTJZSUhFVnpOVW1ubUdwTkpHZWNxQnlIc1ZNUkNjLXQtZ3ZQbFBJdktWb1ZETUhfZkFEcC1JT2ZFeEozQ0k3RVZLaEFKbDhhaC1DaWliS1U9 | Z0FBQUFBQm5teE5RaTZROFI3S01PZGVEbkxEbDBNczFzbk0xMTNMMEszZGNyNER6bTNPWjQ2UEdnbGp1RXNqR2ZpbkhyQlhKQU1HeGg1OTdycFh5QmZjZ0dYUklaeFJ4eldQMVdzNEhYRHZmM3hrU25ZV05ONHAzbjlIYlYxcFNQRUxYVWZab0lHNURkWXU4QlhxNzJuVk1fVFhiQTY4WVZxVWRCQ1J1OWxmbnN5YWxBdkZ1VEZYWVl4TkJ6X05TRUtpN1JpN0Fxa3JC |
What do the institutions say? Buy | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-08 | Z0FBQUFBQm5teE5QZjdRazNCTUE5OFkxUl92ODZiU3ZGcDVlT0JSbFVuTnlQM0d5UUg0T1NQY3NidXhfaHRlTzd0UWM4LTZ1a0Nqb3JCWEZPMGxZX1BzTExUeEU3WHhuTUE9PQ== | Z0FBQUFBQm5teE5RTDdEaS1sNGE5MzlQbHNuSnBlV1ZOalZBWkVYRW5wTnB4ZFVERmtTRTd3LUtSTlNVSHVMY1hBa19HZ1ZNd2c4ZEE2VXNkNWd6QkN2c2NIVjU2eUFhOXBRcF90cmpVTVFGZm03YnNYRmFIVEtmM0ZWMzZpaVVkdkY0WGo4U3BPTGxDUXA1QWtLbVVSVWNVdC0xWmVxQUVlWE5wZnZCT2dTMHpoVzN2NURVcEZ2cHZKWDhJdTl6ZFZPQTh6VUU0YTJUWk5VLWNpdC1IZ3NWWEpwcjNVVUJGSnZoQUs2enBpXzJ3cHY5OVJrYWVqcz0= |
Why you sell your BCH when you can use BCHBULL TO leverage or Hedge them up to 5x?! In today's article we are discussing the first smart contract built on top of Bitcoin Cash with real world usecase, enjoy! | r/btc | post | r/btc | 2025-01-08 | Z0FBQUFBQm5teE5Qc2owSV9xUlQtcUxZNjl0T3FJX3hSN1BJS0tyVXhMRTAwTWdxQkJuaFlpX1lkUXBPRUpxSzIwM2FVUHVmTzFTRHNMV2hCMHhaLTJ3aldPYmUweUFqUUE9PQ== | Z0FBQUFBQm5teE5RWk8xSHBhS1ktS3JyVkxoX1g3MXVpRmJUWGNweThUeU15UzlwQzdNOXFVaDk3dExMYV9UV1F3c2lEamRQT09TSWc2WXp6R1gySThyNERIR1NzdXlyU19PdUMxQ1l6LTRtcTJ6VVVrRWlzdWV2SlY2WkFxS0NJUU51djBBNHZKZldDdHFxVHF5MFBIbHpiQnZqQ0hEZVpXbVdsLURraDhrci1PZDdudjc0dzBHRkFVcWgtaVRkMng0VzFOdzY4bWcyU2M0R0xHR2dNUFE5ajVJQk1tRkNRdz09 |
r/daytrading | post | r/Daytrading | 2025-01-08 | Z0FBQUFBQm5teE5QQTczNlBBemZTN2VPTnItY3V6VDMwdU1QMERzTElvN01tYkFlQXdrRzB4MUJEeTRDWHRLMUZENm1YZW1KbWhHRFV6VS0zaUUzNTZXT2tHZTlrYm9LX2c9PQ== | Z0FBQUFBQm5teE5RSlJnTENZbEl6ZVJEQnZGM3JUUkstcHlNUFF2QlZ1UEotbENxb1JMc1BWSFBWZWlMTm1GRGdMbkpqbU5USk0xX0pETk5LSFNzOE5acGU3ZURTZWtYYjVKYTB6T3pCLXVBSDBTZmcxcjNvYzlRZXp6Z2ZPd3BCXy1QQjEzSlZFVHQxQ1BDSXRzNHE1NmZyVUZfOXBLQ1Q4bE1ta1lqbGZqR0I0Z0Y2SmUtZ1d3PQ== |
|
I will keep adding to all my positions until the $spy goes up. What do you think about that mr buffet.
Always save cash - don’t invest it all. Red days are just discount days.
Don’t stress 🥰 | r/pennystocks | post | r/pennystocks | 2025-01-08 | Z0FBQUFBQm5teE5Qd2xyZF9lc2xkSjNwdmRZMGxlOUhnYjlZcmsxT2lwMHpYa3M5dXdpMnFoUkhVWTh5S3I5RHAxRFNzNlFTZXR0STg5OTdqSkZqYUJaUENXUHhZd1FuTHc9PQ== | Z0FBQUFBQm5teE5RTk9IV1FLRkt3RkxzVVFoTElzc3NsNTBfakdqaWExdEszbnBRbnlkTXp2bmVrSENRUDEybWRPWTVPVmJwdURSY1RCbjlhVlRCM3JhU0lyMUFGb1VLU2R2cjJjR2ZDZ2FKdzhyS3FLSTU5S2JHbjJGaHJ4MFQtYTFQTUJ5SmtEako5UnhPenNLUWhCM29nWUxmSTJiSzA5eVk3MUd2ZmJPS0R2ZGd1WDJPX0s0PQ== |
I was a loyal customer of Reliance Home Comfort for 16 years, but my recent experience with them has left me deeply disappointed and frustrated. When my water heater started leaking in the spring of 2024, I called Reliance to request a repair. A technician was sent to my home, but instead of addressing the problem, he did absolutely nothing. His advice? “Call customer service to renew your contract so you can get a new water heater.” No repair, no solution—just an attempt to lock me into another long-term contract.
This interaction made me realize it was time to explore other options. After some research, I found a reputable company to purchase a new water heater from. However, Reliance wasn't done with me yet. They slapped me with a **ridiculous $400 fee to close my account**.
Reliance’s service is nothing short of a cash grab. They seem more interested in squeezing every last penny out of their customers. Their policies are exploitative. I would not recommend Reliance Home Comfort to anyone looking for honest and dependable service. If you value your time, money, and peace of mind, **look elsewhere**. If you are buying a new home make sure that you DO NOT take over the rental agreement. Get a new water heater on your own to avoid any future issues.
Has anyone ever received a refund for these fees? | r/personalfinancecanada | post | r/PersonalFinanceCanada | 2025-01-08 | Z0FBQUFBQm5teE5QR3Y4OUZjcEZrUjFLMXY0UnV1T0c3ZW84SDdQR1dGNmVJSENlcmRRVllzVzNmY01RSllNamVEaWo5em5ZMG9kdXlnWHNfVEtScXpuOTJoaWp1QkoxQktRcEY3SzU0NTNwb3dxT0wxZkZIb289 | Z0FBQUFBQm5teE5RU0FELTgwMDBtbWdyQ092bl81Wm1BMXBPTG9tdE9EUks0aC1jcW9DWjQ0akFFclJrSldPM2lDTnl2cUl6Q3JiRm51enJyakJqeEhTRmEwT3ZlRG9lYnZ6aExCOEpxMXVRb3NuWXZ0Ylp2QzZzNnhLMkVYNlFJRnp5MTFlRUllSUE1bGxkOUxOcW1WN0ZRS2xEY2JqRzcwdWVtZ0RpN1BoMlNoN05fMnd2cmtQcnh2WEp0Z1JUalNKU3hrZTdKMzRTUUFPVjZvZGtjcGR6Q0ZlLXJxLU9RZz09 |
Edit: perhaps not a ‘pyramid scheme’ but rather MLM marketing
I was initially thinking meme coins have value to them defined by the strength of the community and what we see today is a decentralization of marketing — if that makes sense.
For example, useless companies/brands are being sold for millions only due to the large audience it has accumulated. Now only a few at the top profit and everyone else gives all their money to them.
With meme coins (ideally speaking) everyone gets a stake of the profit sharing. No one cares about celebrities anymore — so whatever money they could have extracted from us we decided to just form our own community with it and we all have a chance of building together. Also, memes can be viewed as leverage to buy btc (which also implies the coin will have a short lifespan from an individual 'investor')
Of course, I’m leaving out the rug pulling as I’m talking of the what meme coins are supposed to be imo and not what inevitably happens to 99% of coins. But to answer the rug pulling, this is a byproduct of minimal regulations. As the sector grows and some regulation takes place, meme money will converge to the best memes that have proven its proof of concept.
Cool. But here’s where I’m at right now:
1. Memes have almost no intrinsic value
2. People buy a meme for its growth
3. Memes are not a store of value
4. Memes run on another crypto’s blockchain
These equate to the same very thick ceiling for all memes. Once a meme hits a certain MC, it’s basically a wrap for the meme. People don’t see it having quick growth anymore, it’s not a store of value, what if it grew so much you need to spend 1 SOL just to get a fraction of a meme, hey it’s dipping and there actually is not intrinsic value to any of this —> dump
So far, going long on any memecoin after initial hype almost always results in failure. Long as in 5yrs+. Doge is doing ight (although I’m sure most got burned) but only because of Elon.
So, given the above how can meme coins not be a giant pyramid scheme? I’m not even talking about rug pulling here. After an its growth, you have to cash out because memes don’t store value. They only Caveat I see is no one knows when it stops growing — but at the moment mc is a huge indicator.
My only optimistic conclusion so far is Solana just has to explode to increase the ceiling of these coins, and there needs to be a huge barrier for minting new memes thus other coins will have long term value. And I think memes are going to be around because gambling hasn’t gone anywhere.
My question is though, is a ‘strong community’ actually enough to support a meme coin, long term? People want to buy a meme, forget about it, come back 5yrs later and still be up.
| r/solana | post | r/solana | 2025-01-08 | Z0FBQUFBQm5teE5QaWpfMWMtQ0VQTERoTXdxRWNWbk1pR3VxOGtyR1ZjUXAzVkIxY0R1RFE0YWJBRm9aTVNkZzNCZVhFck5oU3NGNXpOeFNNTkVONWluM1dOU1NTSFFrU2c9PQ== | Z0FBQUFBQm5teE5RLUk5Y21RREd0ZTNobUFEN1ZlSV9Nd0ZSMXg2eUdmWFJxSHQyeWFhNC1kODdreFlRY0I0ZjNtT0lvNWdlTlhQTXVNNVoxeHVvMjNtRGxFSDFDRG9xaGFDZm9RMEs2QkVBeVQ4Z0E5OUtCSzVfeTJRbWpRbzJLb3I4VjdnVEt1VUF2VWFXUXB2MkZtVGViVzhWNlRfWExfOXZoeWFJaFdiUU15MGotWlhZblRqb25nSEtHZDZzbVctdlk0bnk0c0dt |
Crazy the sell off today but this is a reminder how the big boys make money, by raping the novice. How many people invested in quantum stocks based only on hype. No one could tell “when” quantum will scale, people only bought based on “if” quantum will scale. It needed only Jensen to comment on the timeframe to destroy the entire sector. The stocks are all down -50% today. Be careful guys, set your margin of safety high when speculating. The better odds the more money. Don’t try to be a wizard. | r/pennystocks | post | r/pennystocks | 2025-01-08 | Z0FBQUFBQm5teE5QM3ZNTDFtQThrMi1VVWRVbEg3MkxlcGM2cUJwOEtxYWt4V1NqTkdTaTJtM2dDeU9ua1QwNnlMNEhEU3JfR183SXFuVWdBd1UzNXFVUDFsSGRDdlNSUUE9PQ== | Z0FBQUFBQm5teE5RbVR0ald5Z0JUSUpRR3lLOGtPUll3dW1oaW1xVG5LZWhnaU9Tc0kwMUNZcjFyZHRJeFItR2Jnb2VsMUNxdHBSOWpyREU4T2dTTktuMDFTVHlYZ3hQakRSU1VHMGtNYVh0NkswU2ZXTGIydHJZSFBWR0lSNndoM2NObUJVc0ROc2xQVHVucnNWRmJvVWMyZmQ0eFRTOG1mRG80dnE1dnJaS1JwTEIwTF9vUmNZczdiZVM4UW96R3plTHFRcnNiMGozWkEzS0VLbUNtV29IN05lemh4M1FOQT09 |
I bought my 1st investment property for $600k. It's a 4 unit multi family property that I also live in. I locked in at 5.875% interest rate with some points (would've been 6.5% otherwise)
Monthly combined rent: $5100
Mortgage + Taxes + Insurance: $3600 ($3800 this year after my escrow was adjusted for some reason, gotta follow up on that)
Utilities: $300/mo (Heat, Hot Water) this is averaged over the year
Profit: ~$1000/mo (about half usually goes back into the building for misc things)
I'm also not paying rent, as this property is self sufficient. Otherwise I would get another $1500/mo
One of the units is still under market value, by a couple hundred, but I'm trying to not price them out.
I did need to invest about 60k in some big ticket items initially that I fully expected.
With the market still kinda crazy, I'm not sure if it's worth buying another investment property this year. I'll probably have about $100k saved up by the end of the year. Do people put the extra money onto the principle of their loans? Or keep their money in a high yield savings account? I'm getting about 4.5% interest right now this way. | r/realestateinvesting | post | r/realestateinvesting | 2025-01-08 | Z0FBQUFBQm5teE5QbkFwUFJNZ01KRlJtbWxtYkw4c29nOGFHV0F1QVZSUEV6cXJLM1pVb2FIQ3Q0ajRIb3FsWmRnZUR1bVJqYU1ZSE1lRFlTaEdkNDEtZS10enRJV3dIRkE9PQ== | Z0FBQUFBQm5teE5ROFZYZVdUaEpvYlZSQWdMcXY1dWdSdXNXRnllNGVNRFJ4b1Rjczh1MjdrVngzWk9MYmV3bGFYNjQ0NVpKdGhIa3FfbXJIRTNfbkpCOHpkN2Y3SFVNZlFpNHBxamVkTHJ1WFZzLV81Yk5ZaGhjSkxqdFgtMFhmaVVlSm4ycUVmLXZNS285Rzg2RXJSbkJLSFpqZlZLSm9WVE1SWDc5RlhJNmd3NXdyTWY1SWxRQ2tOd3JQQkRsR1E5cVFqTDBrOFE5 |
Investment Firm | Return | Date Posted |Companies
---|---|---|---
[Cliff Asness](https://www.aqr.com/Insights/Perspectives/2035-An-Allocator-Looks-Back-Over-the-Last-10-Years?utm_source=x.com&utm_medium=organic) | | January 8|
[Hindenburg Research](https://hindenburgresearch.com/carvana/) | | January 8| CVNA
[Howard Marks Memo - On Bubble Watch](https://www.oaktreecapital.com/docs/default-source/memos/on-bubble-watch.pdf?sfvrsn=ab105466_3)| | January 8|
[Fundsmith](https://www.fundsmith.co.uk/media/pirmvyly/annual-letter-to-shareholders-2024.pdf)| 8.9%| January 10|
[LVS Advisory](https://lvsadvisory.com/wp-content/uploads/2025/01/LVS-Advisory-Letter-Q4-2024.pdf)| | January 10| TLN, MEDP
[Vltava Fund](https://www.vltavafund.com/dopisy-akcionarum/kniha)| | January 10|
[Headwaters Capital](https://headwaterscapmgmt.com/wp-content/uploads/2025/01/HCM-Q4-24-Investor-Letter-FINAL.pdf)|13.1% | January 15| PLTR, CLMB, TMDX
[Matthew Ball - State of Video Gaming](https://www.matthewball.co/all/stateofvideogaming2025)| | January 15|
[Patient Capital](https://patientcapitalmanagement.com/articles/4q24_quarterly_investment_review)| | January 15| PGEN, PTON, UAL, SOFI, CVS, IAC, CROX
[Oakmark Funds](https://oakmark.com/wp-content/uploads/sites/3/documents/Oakmark-still-a-large-company-fund_U.S.-equity-market-commentary_4Q24_v2F.pdf)| 16%| January 15|
[Praetorian Capital](https://go.pracap.com/hubfs/Quarterly%20Letters/2024/2024%20Q4%20Investor%20Letter%20-%20Approved%20v2.pdf)| -14.7%| January 15| VAL, JOE
[Right Tail Capital](https://www.righttailcapital.com/_files/ugd/9593df_a685ffcdcbe045eeb112fea93148804c.pdf)| 10.2%| January 15|
[Wedgewood Partners](https://wedgewoodpartners.com/wp-content/uploads/2025/01/WW_4Q2024_Client_Letter_Curb_Your_Enthusiasm.pdf)|29.1% | January 15| TPL, SPGI
[Distillate Capital](https://distillatecapital.com/wp-content/uploads/2025/01/Q4-2024-letter.pdf)|12.8% | January 20| NVDA
[Kerrisdale Capital - Redcat Holdings](https://www.kerrisdalecap.com/wp-content/uploads/2025/01/RCAT-Kerrisdale.pdf)| | January 20| RCAT
[Massif Capital - European E&P](https://static1.squarespace.com/static/65566a6f03b86f32fb5a08eb/t/6787fde7784f68513bfaee33/1736965609303/Massif+Capital+-+Harbour+Energy+Jan+2025.pdf)| | January 20|
[Muddy Waters - FTAI](https://muddywatersresearch.com/wp-content/uploads/2025/01/MW_01152025.pdf)| | January 20| FTAI
[Plural Investing](https://mcusercontent.com/0621b1ecf16131aced159c001/files/827b933b-09f5-6adc-58b8-f190dac5884c/Plural_Partners_Fund_Letter_2024_Q4.pdf?mc_cid=8f329ee8d1) |8.2% | January 20| JET2.L, WOSG.LN, SEG
[Bronte Capital](https://files.brontecapital.com/amalthea/Amalthea_Letter_202412.pdf) | 20%| January 21| SPX.LN
[Colebrooke Partners](https://static1.squarespace.com/static/5c5d989c01232cf46ca43d53/t/6789260def3fa313f793d8cf/1737041422135/Colebrooke+Opportunities+Fund+Letter+to+Partners+FY+24.pdf) | | January 21| ECE.LL, ASC.L
[Curreen Capital](https://static1.squarespace.com/static/55f99b0ae4b02c9607c0f701/t/678e601b13373a060a0f5cb5/1737383963997/Q4+2024+Letter.pdf) |7.7% | January 21|
[Tidefall Capital](https://www.tidefallcapital.com/_files/ugd/8a849d_9bab7021dd3d4f4e81c1f4919a16ad23.pdf) | 21.1%| January 21| BMBL
[First Eagle](https://www.firsteagle.com/insights/global-value-team-annual-letter-0)| | January 22| GOLD
[Greenlight Capital](https://drive.google.com/file/d/13tTNdD1HGzqHU6Q-htW_x94PNeC6anfH/view?pli=1)|7.2% | January 22| BTC, MSTR, PTON, GRBK, CNC
[Minot Capital](https://ff6c4b26-2faa-4fbd-bc4a-63e3ae3bd9ab.usrfiles.com/ugd/ff6c4b_29cdb3eddf7340028908e93a37496678.pdf)|5.2%| January 22| MYTE, DERM
[Massif Capital](https://static1.squarespace.com/static/65566a6f03b86f32fb5a08eb/t/679135b4a75fc94fb4b068ac/1737569717131/Massif+Capital+Q4+2024.pdf)|12.1% | January 23| ENR, AFM, ENVX, EQX, GMIN
[Greystone Capital](https://www.greystonevalue.com/_files/ugd/47fd79_a54ed5fe7f17447083511063bba629d1.pdf)|19.2% | January 24| SYZLF, IVFH, LMB, NRP, BELFB
[Whitebrook Partners](https://whitebrook.substack.com/p/wbc-partners-position-overview)| | January 24| AFYA, MOS, PTLO, DNUT, BLDR, W, GBX, KAR, GPRE, LTX, BOX
[Alluvial Capital](https://alluvialcapital.com/wp-content/uploads/2025/01/Alluvial-Capital-Management-Q4-2024-Letter-to-Partners.pdf)|16.4% | January 28| GTX, ZEG, CRAWA, TITC, CBL
[Goldman Sachs Global Views](https://www.gspublishing.com/content/research/en/reports/2025/01/20/a2d2935c-4bfb-49c0-ad1a-c5d67ad0e498.html)| | January 28|
[JDP Capital](https://jdpcap.com/wp-content/uploads/2025/01/2024-Annual-Letter-JDP-Capital.pdf)|47.9% | January 28| SPOT, TSLA, CZR, ROKU
[Open Insights Capital](https://www.openinsightscap.com/p/our-q4-2024-letter-and-look-ahead)| | January 28|
[Pernas Research](https://pernasresearch.com/quarterly/2024-q4/)|45.6% | January 28| RRGB, DUO, DOCS
[Pzena](https://www.pzena.com/living-in-a-concentrated-world/)| | January 28|
[Rowan Street](https://www.rowanstreet.com/post/rowan-street-2024-year-end-letter)|56.6% | January 28| META, SPOT, TTD, SHOP, TOI.V
[Sohra Peak](https://mcusercontent.com/3fff1ea9d792aab7f6dffe0ab/files/d70648b3-d7d4-57d0-09f5-14fa1528d6d1/Sohra_Peak_Capital_Partners_Partnership_Letter_Q4_2024.pdf)|-10.9% |January 29|
[Tsai Capital](https://tsaicapital.com/files/Tsai-Capital-Annual-Investor-Letter-2024.pdf)| 23% | January 29| GOOG, AMZN, AAPL, QXO, TSLA
[Maran Capital](https://mcusercontent.com/4522df4fcbfa5be002117f260/files/3a0d4c4f-f26f-b1b2-e4e6-a72bb20f4f13/Maran_Partners_Fund_LP_2024_4Q_Letter.pdf)| |January 29| CTT, APG, CLAR, TPB, HKHC, VTY
Interviews, Lectures & Podcasts | Date Posted
---|---
[Profiting From Mistakes of Others](https://www.youtube.com/watch?v=ZYebzK-S_Vs)| | January 8|
[Akre Fund Investor Call](https://www.akrefund.com/semi-annual-investor-call-replay-november-2024/)| | January 8 | r/securityanalysis | post | r/SecurityAnalysis | 2025-01-08 | Z0FBQUFBQm5teE5QbUtVTmdydlNsZTZ4dE9iQ0Fjam5iSlBnQW9EanI3aWd5ZXlZUGZGdEY4QU5PODliTFROV29mcHZ0eG5GSXhyeF8tRHZMRk55VUcwTENLcVFuVndNVFE9PQ== | Z0FBQUFBQm5teE5RUmFIc01ZcUpXbndCanU0ZmdZcV9wOXFvTnVBMW1KSG1PSWx4a1p5b2ZzQUpNMU1NNlBfVXBlb1UyTFoxYm14Vmg1WHJaNUU3NkhIWnB1V0tFRjJfYnFTd1ZiSkJrMjJRMHI5aVlPajl5MndXTkxFMU5sZGdid09UQmNzR2dIUm9uT3B6d2hZYktyX3ZDZURibjZSSUxYMW14M3JpTVJkcGpEQjBkaTFQMHpySnVBeTFRaTZhR3VQME9CM0w0a2s3 |
Just received an email from Chase about their "giveaway" of 1 million points to 10 people. You can [**enter every day**](https://millionpoints.chase.com/) for a chance to win. Looking over the Terms & Conditions I see where winners must (no surprise) submit a W9 so the winnings can be reported to the IRS.
So my question is, ya know, once I win...what are the tax implications? How will the IRS value my 1 million UR points? | r/creditcards | post | r/CreditCards | 2025-01-08 | Z0FBQUFBQm5teE5QdFh4SEt4eDhJeGpyc2pKSTFBbzFQSTRBbTdfNUZBRkcwN3dzVU9hM0lKZUExcDUxTlQxSDBqMnZBbGU1RmxTRlR2YUFMZlJhVjlRU0tEbTlYaUJTYWN5WnRYVVZJSHg5SkkwN2lHMmxZTkU9 | Z0FBQUFBQm5teE5RcldzMThfT0lodGFLOXl1OWdPaEljX09QcVUyZ090aU9DS1VUU09nenZtR21iWXk2SkE5QVhXNHBZNWpqclEyZ3NqaFN5YXJ4bFR4cmpaOUhJWjNHMXF3NXVWZHhDR25MT1cyb0U2MjRPSTlwczNvNW5NRm9EeGZQcWt4OGt1RmhsVE54SkJnVVNwckRjUW9HeFVyN3E2NjBxTXhQQWJrMHgwcnZpbF9PUHBfLWhwR2hxeGdGMDBaVU52WTZCTDFG |
Our [old sticky](https://www.reddit.com/r/StudentLoans/comments/iq8rnv/how_to_identify_a_student_loan_scam/) was taken down in favor of breaking news a while back, now it's time to restore it.
tl;dr **You do *not* have to pay for help with managing your student loans. Nobody can get you a better deal, or access to a benefit or program, that you can't get yourself, for free, by working directly through your loan servicer. If it sounds too good to be true, it is.**
This "help" can come in many forms. Often it involves a company you've never heard of contacting you and offering to lower your student loan payments, check your eligibility for federal forgiveness programs, or offer to submit forms on your behalf to ensure they are "done correctly." While it's generally not illegal to charge for student loan help, many of these companies also engage in fraudulent and deceptive behavior.
Even the companies that aren't fraudulent are almost always a waste of money -- "document preparation" companies offer to submit paperwork to your loan servicer or ED on your behalf. But these are simple forms that are written in plain language, you can submit them for free yourself (usually online), and ED *already* pays [your servicer](https://studentaid.gov/manage-loans/repayment/servicers) to help you if you have questions or trouble submitting the paperwork. Communities like /r/StudentLoans and /r/PSLF can also provide advice (for free!) on how to manage your loans.
If your loan situation is so complicated that you need professional help, then seek out an attorney or reputable financial advisor, not a doc prep company.
While scammers mostly focus on federal student loans, they do sometimes prey on private student loan holders. The terms of your private student loan are written into the contract that you signed. Nobody can get you relief (e.g. forbearance, discharge, lower payment) beyond what that contract allows for and only your lender (or the servicer they assign your loans to) can provide that. Your lender will not call you offering a new relief program or other benefits outside the contract -- if you receive a call and aren't sure if it's your lender, hang up and call the main customer number listed on their website.
THESE ARE RED FLAGS:
* Company claims to "work with" or partner with the Department of Education or any of the student loan servicers
* Has a name that is confusingly similar to your servicer's or a government agency.
* Claims that you can receive forgiveness or lower/$0 minimum payments, especially before knowing anything about your student loan balance, employment, and loan type.
* Mentions the "Obama forgiveness program" or "Trump forgiveness program" -- there's no such thing. The "Biden forgiveness program" (which was not the official name) also doesn't exist anymore -- it was blocked by the Supreme Court and never went into effect. Any company implying that they can get you loan relief through these programs is lying.
* Creates a sense of urgency for you to sign up right away. (Reputable financial companies have no problem with you taking time to consider their offerings.)
* Uses aggressive advertising language--
> * "Act immediately to qualify for student loan forgiveness before the program is discontinued."
> * "Your student loans may qualify for complete discharge. Enrollments are first come, first served."
> * "Student alerts: Your student loan is flagged for forgiveness pending verification. Call now!"
* Asks for a power of attorney (POA) over your loan accounts.
* Asks for any of your Federal Student Aid account information or passwords / PINs / 2-factor authentication codes to any website (never give those -- to anyone).
* Makes you agree to a long-term contract for their services with penalties for breaking it early.
* Discourages payment by credit card (favoring debit cards, ACH withdrawals directly from your bank account, eCheck, or cryptocurrency), since it's easier for scam victims to reverse credit card payments.
Many of these companies ask for a large up-front enrollment fee -- anywhere from $600-$2500 -- and then a ongoing monthly fee as well. They often imply that the monthly fee is actually your student loan payment. For these fees they will consolidate your federal loans -- which you can do easily (for free!) at [the Department of Education's site](https://studentaid.gov/loan-consolidation) -- and often put the loans in forbearance or on an [income-driven repayment plan](https://studentaid.gov/manage-loans/repayment/plans/income-driven) -- so no payment is due but interest is still accruing -- and take your money every month to "monitor" the account (i.e. do nothing).
In addition to taking your money for trivial services, these companies can harm you by taking actions that are not in your favor. For example, [consolidating your loans when it is not a good idea](https://www.reddit.com/r/StudentLoans/comments/9pjfof/consolidating_federal_loans/e83q0nf/), losing you access to forgiveness programs you may be eligible for, and keeping you in the dark about your optimal repayment strategy. They make money by withholding useful information, providing one-size-fits-all advice that may or may not apply to your situation, and making generic threats to scare you into paying more once you realize that you've been fleeced.
Among many, many stories we've seen here is a borrower who had been in repayment for fifteen years when she was snagged by one of these companies. They had her sign a POA and used it to change all the contact info on the account to their own address and phone number. She paid a few thousand up front and then $39 monthly -- she thought that was her loan payment. After three years she got a call from the feds -- her loan was in default and she owed double what it was when she started! The scammers had put it in forbearance until they couldn't anymore, then just let it default and disappeared with her money. Federal collectors only found her through skip tracing. By the time she learned how thoroughly she'd been scammed, there was nothing anyone could do to help her.
---
If you have been scammed, here are some actions to take ASAP:
1. For federal loans, log in to your [FSA Dashboard](https://studentaid.gov/fsa-id/sign-in) and ensure that all of the contact information points to you, not anyone else. (Also change your password, if you haven't already.) Your FSA Dashboard will tell you who your [federal loan servicer](https://studentaid.gov/manage-loans/repayment/servicers) is. Go to their website, log in to your account, and again confirm the information points to you. Change your password here too.
1. For private loans, log in to your lender/servicer's account and ensure that all of the contact information points to you, not anyone else. (Also change your password, if you haven't already.) If you gave the scammer access to these accounts, contact your lender to tell them you were targeted by a scammer and ensure they didn't make any other changes.
1. Notify the scammer that you are cancelling their service. No need to go into any detail (they may try to talk you out of it or scare you into continuing your contract), just say that you are done with them. Ideally do it in writing. Do not respond to any further calls from them.
1. Watch the account you paid the scammer from. Contact your bank or credit card company to stop all payments to the company that is scamming you. If you paid via credit card, be ready to dispute any charges they send. (You might not be able to recover money you already paid but, the quicker you report them, the better your chances.)
1. Report the scammer to your state's consumer fraud office (often within the state Attorney General's office), the federal [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/complaint/), the [Federal Trade Commission](https://reportfraud.ftc.gov/), and/or the US [Department of Education](https://studentaid.gov/feedback-center/). All of them investigate student loan scams.
1. If you need more help unraveling the scam or managing your loans, post here or contact your federal loan servicer. We have a lot of expertise and are free; your servicer is literally paid by the government to help you.
---
Here's some additional reading on these companies:
* [ED | How To Avoid Student Loan Forgiveness Scams](https://studentaid.gov/articles/avoid-student-loan-forgiveness-scams)
* [CFPB | What are the signs of a student loan scam?](https://www.consumerfinance.gov/ask-cfpb/what-are-the-signs-of-a-student-loan-scam-en-2100/)
* [FTC | Don’t pay for help with your federal student loans](https://consumer.ftc.gov/consumer-alerts/2023/08/dont-pay-help-your-federal-student-loans)
* [NerdWallet | How to Spot Student Loan Repayment Scams](https://www.nerdwallet.com/blog/dont-trust-companies-student-debt/)
* [CFPB | Student loan debt relief companies may cost you thousands of dollars and drive you further into debt](https://www.consumerfinance.gov/about-us/blog/consumer-advisory-student-loan-debt-relief-companies-may-cost-you-thousands-of-dollars-and-drive-you-further-into-debt/)
* [CFPB | CFPB to distribute more than $240,000 to consumers harmed by student loan debt-relief scam](https://www.consumerfinance.gov/about-us/blog/cfpb-to-distribute-more-than-240000-to-consumers-harmed-by-student-loan-debt-relief-scam/)
* [FTC | Operators of Student Debt Relief Scheme Agree to Pay at Least $835,000](https://www.ftc.gov/news-events/press-releases/2020/09/operators-student-debt-relief-scheme-agree-pay-least-835000) | r/studentloans | post | r/StudentLoans | 2025-01-08 | Z0FBQUFBQm5teE5QR3dKdk1HcFFGWV9BbHYteGU3QzI3M2YwTWlxRzg3d2tTTG82TE1ndUR1SlJSOHpNOGNyM2xtdUtIWVpzOFZBZVBnMURaVzI2c1B2ZkZqcEs4NGxRbmZHYjFhLXVFSUxsSDRiR3ozQ1RDQ2c9 | Z0FBQUFBQm5teE5RR20xeGFRb2VzWWpTV2hOTXNUR3k0MnVVUHMySzZnVVJWX2htbkoxVWVpdmNtb2dyMkI2cDE1SXBhOGJqZEo4S29fQzZWc0kxZEMzVUZ1YnJHdnd5b2h6T1ZaTjRsaWFDdzRsOVM1SjZKQUVyQ2hORTNVMUtxck9WLWhsY1hGS0lKRG9wNXExNEtmdmVma3ZicndCNUh1VWJmdVlyRzZnZnA2SFc1ZUtVZ185Z3VhNVl6UkFQZFJPV1Z0TDNhVV93 |
It’s crazy how invisible I once felt, thinking I’m the main character that will triumph over everyone else, and that could never happen to me 😂 needless to say I’ve been humbled since then | r/daytrading | post | r/Daytrading | 2025-01-08 | Z0FBQUFBQm5teE5QbXMteVFzX0RmNDl2bU5Rdm05VHpMbEpMUnVpMUp4T2dSTUU5WWFhMUtvWTg0cHhObmlSZmc5T09OT1BmZTNfbDVBa09WVEU5NjExM3ZCcjlhczVVLXc9PQ== | Z0FBQUFBQm5teE5RQ09IWnY0SmxZNTVmcUdaTDVadUthdkxqSmg3RHlYSzRLbkZCQm15QUNUbTNuNE1JZ2FtLTZBZGtNQzkzOTRnZXk1MTFrdEg2QmVCRlpkV3BTV2J3UEhSN2ZGOEdLZUFvdGFEd09SeTVjcUY3TC1jSlpwRlFhanBhY1JhQlVkSm5qdWFiamVXTWZnTHNMdm1DSWVOZFdNYkFvZXVHR3BWUFJEWHU4NzhGNElRbGFwNmk2WnZfckFKWUNXZFUxUk16dUJQVTA0NHhqMldfZTh5Tl9ucEhHQT09 |
Back in 2005, when my great-grandfather passed away, he left me $250 as an inheritance. I was just a preschooler then, and my dad told me I could use that money to become a part-owner of a company. Of course, being a kid, I picked McDonald’s.
Fast forward to today, that $250 has grown into about $1,500. While it's not a huge amount in the grand scheme of things, I’ll probably never sell it. That single stock is up 500%+ in my portfolio, and it always makes me smile when I see it. It reminds me of my great-grandfather and the excitement I felt thinking I was an owner of McDonald’s as a kid.
Now, as an adult on my FIRE journey, it’s been a constant reminder of the power of compound interest. Seeing that $250 turn into $1,500 really keeps me motivated and excited for the "boring middle" and what's ahead as hopefully, much larger sums of money increase 500%+. | r/fire | post | r/Fire | 2025-01-08 | Z0FBQUFBQm5teE5QeDE0N3ZRaGNTZVhldjVTTUFTZjNuWkhXbm5Hb3JCbTFtYmp6bEh0OS1DM3dWMXdPaTVqVDlvbjlWV21JNFRwNGNYanF1dTZYZ3ZxMzFtSmxjUU0wWWZncFQ1WWU3YmEwR251UDRlQXlKWmc9 | Z0FBQUFBQm5teE5RYjZjMTBCa0ZZdGZYV2ZBNG1fRHRwZjhRWmlMcHBJTVB0RkhzaE1GdWlHd0dqSFUyX2ZUcGp5X3ZPZXp6MlBWNURIZUx4V2F1eEJPVGwzV3hGdmhONHZpWE50R2FiWHF5eVZwYmtldHJkeXNxSno3LXltWHNJeTlpZEREMFk2NVRVYUFhVDlpTEFoTC1WRG9weUl2bkNKQm5zZXpKaTRuR3hiRU5DRE5mQk1GcHlCUGVmR0d5dDhWeHMyS3YwYzJ3 |
Pretty much wiped out all of my profits and then some.
Timing has been terrible, sold my RGTI puts for a loss last week that were far from their expiration date because I figured they would expire completely worthless.
I then buy calls the day the NVIDIA ceo kills any hype.
Bought a few more calls to average down in case there is any rebound. But I think I'm screwed.
Max loss is $1150, expires 2/7 with a strike price of $21
Down $950 right now
Any advice is helpful!
| r/options | post | r/options | 2025-01-08 | Z0FBQUFBQm5teE5QSS1NQ2lkWE14dmd3RDdkZDlQSmg2NzE0ekJQOVU0ODF1U2Y2QnRPc1FzQXJTSThwdnZqYkhtdHRocWN5OHBxdk41dUM5MXdlRDNrZGw5MEh1T2xpQjJwTlpqVnM1NGZ4S25LMXpyNGpiNTg9 | Z0FBQUFBQm5teE5RUGp2cjNZWlVjeGJOcFRqOU5PX2JBS04xbnJPNFlCV1U0Z1NiYTE5UGxVYURHWk00TmlObE5fYUZmQ3ZneWduRnJkVlRRUjMtZlpDenFGTEFaV19va1RhZHNRSG9mX0dsM000djFxSEJtdVlqdWU4b2NzWlJfekVsOUZzOGR6cEFUWW1ZLTdGXzhieXBSQ2E5eHV3NEpPa2FxWThJdFFmZGUzWFU5RXpkaE8zd3M2WFIySElBOWRGTDJfRm9oVVhK |
Im actually surprised some businesses survive at all lol. I've been getting materials together for my own business.
So I've bought some vehicles and mounts and things for them.
I've been trying to find a light for one of the trucks and I call and email the same business about 7 times a day guy gives excuse on why he hasn't called me etc. I get a few other names for the same material: call leave a message nobody calls back I'm literally begging to spend 20k and these turds can't even be bothered to call back lol.
Then there was the process of just getting the vehicles first rep( only does sales by appt) takes my info says he'll call me back on Monday for an appt ( never calls)
If I can ever get a hold of anyone on the phone or email at all it's hard to make them let me buy the damn thing 😂.
Owners have to keep an eye on their business this standard of business is hilarious no wonder you failed the employees won't even let the sales happen | r/smallbusiness | post | r/smallbusiness | 2025-01-08 | Z0FBQUFBQm5teE5QNVRrbTJIWThjT1paUnZyY0RhNDc3TXFlX3FHM2t5NU53VnZ2NGoyeUFTQk9YbmpKRWxoNEFpX1laTFg4RDlmclNDYlRoUkF5Z1VWc0dtZ2xmdnRYV1l2VXNGY1J3WjRINGZGN1pXbWh3LTg9 | Z0FBQUFBQm5teE5RaXl4S2U3eTQ5REx4NVBqUGp1d25FVWUySksyWTdtVHZLdHhxMDhnUm9xc1dtdFMzYmFEWXF5VGQ3X3U2VjBqSFlNWmhndWhRcmNjdWJxal9oVWp4cWlhd0VlWF9YRnZWVmhsNVhZN3VQVFdodzV5Vno4TVRsMTFaaXowU1hWWURWM0xDUlkyMzFvRzNBam5qSHJUYUc3TDl4WGNqSVdILU9WMl9LeUZRVm9PQWpEVzU1ei1pTVI1TDhHd1dWOFRmQThDRWZSLV9tRHI2bTVyRVpRc0REUT09 |
Really enjoyed the posts and conversations from everyone last year. Great advice on all levels. Hopefully we all will have a great year. This is one place that everyone seems comfortable and not afraid to ask for info or help. I've been to other trading social platforms that turn political, back bitting, condensending, criticizing or making fun of someone. It's nice to hang with everybody being professional. Thanks | r/options | post | r/options | 2025-01-08 | Z0FBQUFBQm5teE5QT1d5aTg1NVhxaDVnaGY3VnQ5YjVuVkNvTk9nejMwcDBsOXEtT1U2c0h6WlZ2amo5SFRwWkhkRVJVWTZLZGNSanBzS1lBd0RYak1JS0pmaGRkb2ZGMGc9PQ== | Z0FBQUFBQm5teE5Ra0ZURGlnekdJQnVmZ1l1Q0dwMVlvb0dtTmQzRFVGdmROQjRRMlFwd2MzT2tJUmRVSUk2TUpDaldzMEF3U1o5NEZ2cXB5WnJmMEt3ZDl5dV9IWjZEMHo5MERqTTJGd1V2MFVqM01NSU5TZzYwemlhTFVRN0M2dUpFZGhUdlpWZkdVU0dnOFZOUGs1X3RUcEp0WkFITVo4SjdXN1hkdzhMRmVkOFJqLUxFZkxZPQ== |
How many ticks (0.25)? Any book/reading I could reference to?
And any order that could execute a price within a range? Instead of a limit order which only execute with a price | r/algotrading | post | r/algotrading | 2025-01-08 | Z0FBQUFBQm5teE5Qak9HaE80QTdBOVZ3MHJRaU1wU1ZEa0ozSlBmRXBvQ25OeGhMbG5yVHVXQ1pMUklzbEw2dGphUjU3bUh0bHNRZzB4Mi13c3I4Qzh5LUtxTDNaMjBKaHc9PQ== | Z0FBQUFBQm5teE5RckViTUtnc2prbXFXNEZ4YVdodUpzdnp5ZzVJTjFKZEpUU2ZWNHhBZ0FweTl2VVpJVTlyN2lvVExILTFGVGVYek9hTGVFcGRwUWNUVGJ4NTZzaUpwUXVYa1k5Z0ZuSl8wamp4akxLQVg2Q1FZR2dPVXhzS3BjZE9EQWRmd0M3c2NNam9nVDdFU2Y1UkIyRjFtMzBpaFh1YVQyVHJpOFdWUHlhbEp0Z1ZWTm4yYUF6ZEt4NE1INkdMbUdfSFIxbjNGb1pMUHZtMXBLbUROV1dnUFdwSDMxQT09 |
Update - this all happened today got the car papers signed Friday picked up the car today
I am 20 and I purchased my first car and I made a very big mistake. I bought a used car. The price was 20 K and I was looking. I signed all the papers and I was looking at everything today and I got an interest rate of 6.7 82 month term of $225 payment biweekly and I was stupid and I didn’t take anybody with me and I ended up signing for a lot of different warranties and just the warranty amount is 11 K is there anyway I could refund or do something anybody please help my anxiety is extremely through the roofI feel so stupid.
Im a girl and I know the whole stereo type of women don’t know shit about cars, on top of that and I literally don’t know what to do in this situation please that has been through the same situation. Help me figure this out. | r/personalfinancecanada | post | r/PersonalFinanceCanada | 2025-01-08 | Z0FBQUFBQm5teE5QSUswdm9ZQzZ4dmlBQUE5NXZvMkRCeXF0N3JDYWZoWUxYTjlaV04xd0RRbFdhZnV6S2I3RXZtMXVtYURoLXJnZFdWZGZZTFJzcUtlT3NrVTZOZ2psOVE9PQ== | Z0FBQUFBQm5teE5RQ2tLT2h3a1pXV2hCcTVrT2gxc09oMHVxaWRvTjh4VEc1WXdvbEtYa3FXM3hQOU5CamdCcFU0cGhFYXFaamlNNVJ6X2J6dEh5WlhISnp5b05mNzI0SUdqY3dhb3VKbmdJdDNwT0lFUktyZ0pFZk0yM2VrR3hXSXdob181Y1oyQjRlMmlubHlqX0wwMzdPSGgyOFRhOW5RUWhodHBYWGhGb3A5Z2pfeVVGUklXN2NtVzgwck12bzRJYnUwWk13U0wzbWtaSGx6dXNtLW5OZVA0cVJWVHdOVzh3R25XWHFHdlNKd2VxNE9SdUtIST0= |
Something that has kept me going and considering my investment schedule into Stellar is reminding myself that Bitcoin in 2011 raised to $1 and in 2017 it hit $1000, I understand the metrics are different based on BTC vs XLM quantity but it a great reminder that patience is a virtue and 2030-2031 is mot that far away in the grand scheme of things!
How does everyone feel about what Stellar will achieve in 2025? | r/stellar | post | r/Stellar | 2025-01-08 | Z0FBQUFBQm5teE5QZUh6Q0J4YzRLNkdiTWFOTWYwck1Na2dwalVyUnFMcDdpdEFzd1lJV1RpbmdYU045ckQ2UnpuSW90OVhaNmRwZjBWUjZ6ZURrLUQ3MUMwNGxkdUQwOE5sT3pOOS1Pbm9HWXhDcjJvYnVzbVk9 | Z0FBQUFBQm5teE5RQ0M5OFlPS3c3ZFRDLW9qSk9oMExSSi1VRjdNYjdyVV9LNE1ubTdLM0EwM2s1cHN0OVRUbDRBa2pOTV9GN2J6Y2xmYmRkeXlqOUxqOGVmY05tVXhfVXFRM056ZmFPNG5lbFhHVjRXS0otamdlZkF6RDF0Zl80NHBzeXVWdWZOMFk5U2dlYWRmTjBXc1cwZkhWSlF2ZTlhT0M0WTJKMURYci15NF9rY3FaRW1VPQ== |
This routes to a custom program called bloom router, so it looks like this poor sap was using a tg bot for this. Either the user got scammed, there’s a major software bug in that app or program, or the user accidentally entered in the wrong priority fee on the tg bot. Also, wondering why someone with that amount of crypto is using free tg bots. 🤦♂️ Be safe out there guys! | r/solana | post | r/solana | 2025-01-08 | Z0FBQUFBQm5teE5QU1FCVmRvMTY0aVVxZE5ocmRVdVd3cHUxR25Cay1GMDd0LWU3cnpMMHB5MWZKNTlDbjlZUk9YY2NuaEpKTUU4cEtrZXlpZWhXa2RaUlpTdXB4YmZJUnc9PQ== | Z0FBQUFBQm5teE5ReDRtWjl6cHZ1QlJVYjNPVVhBMXZyNlpyUFNveTRpb2ZrSGFYOXZydUJjM0JSdWVPTDRiSzl6X2VGeFVYMnBkdmQzVHJwYWZ4Sk9uYjNDUzJJM2ZPMU81bEUxNkUtamswcElERHNjWDNldUtLWExhNDNtdWoxT0lPWDdYd1RfVlJnSS0tUHQydGs5SnVkRVlpSWMzQWJkMGZ0dVlXT2FrdkRoc01QRm9Yc1ZGb1JxRm14U21pc0pjOUNnMHdBdzFqa1QwNDFUdnFXV3ZGZ085YVhxZUFSUT09 |
This account needs more than 15 karma to post
*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 | 2025-01-08 | Z0FBQUFBQm5teE5QaDQ1dkdBemljSDh6cU1GcHBLSjFKUUlaRS1zRTNROGZBTmdIRDBUOTlSRnN6Q2FxRWt0bUdUU2RET0F6bHBLaF92Rklua1lSbXgzTDdFODg2ZmZUTGc9PQ== | Z0FBQUFBQm5teE5RZnVVbk0wajZVOHlSeEtrUFdSV2lyQ0tRY0VOeTNOa0ZGNGpBRnJfckg1NHdfV2ppdGVxOUF5bUE3aVV5Zl9sY0FlaDFMc2ExUUEzOFRfRHJMdTZ0akEzdDlBb3FoUWhtVm03RHZKaVAtNmJEQW9VOEpXazZYbTNtMEhhdjQtT0ZZVlQ5dGJXblhRTVRSVlBGZnJURlpmWGVqT0VsWFdnck1qVC1TZHJzNFVJdmdOZWE2cU5wemZ2VWFHOHUwMFpPQ3g0X2lhZHJJR2ZTa3JHd2FCdk40ZXdWdEZaRXFPb2xZWmg0b2tWVzR4MD0= |
Banks also predicted a recession in 2022. Lots of people missed out on one of the most epic bull markets ever.
They seem to be wrong more often than not. | r/ethereumclassic | comment | r/EthereumClassic | 2025-01-08 | Z0FBQUFBQm5teE5QdDlXanB6aTZsUU54VHpnZkhuMTNmMHdaa0g4Mk1KRU91eW5ESGVjLTNPbE90YWNEZ1Joa3BWaXlTeWkzRF9SWkprT3ZNRHktYXhBQ3dHZnNOWWVTN0VtWlQxVmxWbkFRRERNQ09OdlBIRnc9 | Z0FBQUFBQm5teE5RNTNBVFlKdzhBcmZzZ202a1lzbS1Ca0xXUnVBUy1oYU5pMzBtMXJnaUdlUkUtdEFYUExsSzR0RWdmV0k4VG0yUGZ6eU5CMmlqbUp4Rnh6Y3hOQWpZOExVWUI3VmVidnQ3S0Z0THZwTkhTNFpLZTJBMS1vVjZMTDViZU55NElTRHRpYmRkRkVKRmdjMGpJVnVzUW9NTnVRMjN0TWx5b2QxWGpQeE5FUGJ2elNkV0JUM0NWejNmZm40bEhGY3ZwWmpJN1JDa2ZCQ0tib21aNnQyNUpHd1RXQT09 |
Since the equations didn’t render, here is a link to a notion site I made that’s a bit more readable:
https://weak-zircon-14c.notion.site/When-to-Cash-Out-Your-Points-a-Mathematical-Guide-1751f11f963f80e4ab46f27a702626ca
————————————————————————
I travel a LOT for work. As a result I have a pretty substantial bank of points saved up. Which got me thinking, "This is probably more points than I need. Am I really going to spend this many points on travel redemptions? Maybe I should cash some out since these points will lose value over time."
The question: **Should I cash out any of my points? If so, how many exactly?**
I looked online and found little guidance beyond "team cashback" vs "team points" discourse. So I decided to have some fun and do some math. The answer was valuable for me, and I think for some of you out there with high point balances might find it useful as well.
This is a post for the nerds for sure, but don't be scared by the math! I promise the intuitions are simple and a calculator can do all the heavy lifting for you.
# The Formula
$$X=P_0+\frac{ln(\frac{c_t}{c_c})}{ln(1+r)}\times (E-T)$$
where
$X$ : the number of points you should cash out
$P_0$ : the number of points you have today
$c_t$ : the redemption value of points for travel
$c_c$ : the cash back value of points
$r$ : the discount rate
$E$ : the number of points you expect to earn annually
$T$ : the number of points you expect to spend annually
If you sit and look at this for a minute, you'll probably have a few questions.
- *Doesn't the redemption value of points fluctuate?*
- *Which discount rate should I use? What is a discount rate exactly?*
- *What if the amount of points I expect to spend or earn will vary over time?*
- *What if I have points across different ecosystems?*
- *Do I really have to remember what a logarithm is?*
There are good answers to these questions! And I will do my best to answer them. Before you plug this function into Wolfram Alpha, walk with me through the derivation so you understand the intuition behind it.
# The Derivation
Let's start by making our question more precise.
> What amount of points that I have today should I redeem for cash?
This is a start, but it only describes the form of the output that we want, not the inputs.
> Given a current amount of points, an expected future income of points, an expected future spend of points, and redemption values for points vs cash, what amount of points that I have today should I redeem for cash?
Better!
But we still have some concerns like the ones we raised earlier. Don't point redemptions vary in value? What if you'll redeem some portion of your points for Hyatt stays at 2cpp and others for flights at 1.2cpp? What if you got a big sign up bonus this year and don't expect to earn the same number of points next year? What if you're saving up for a big trip five years from now, and don't expect to spend any points until then?
The key thing to understand is this:
**All of your points do not have equal value.**
Points will be redeemed at different values at different times. Some might be redeemed tomorrow for 1.2cpp. Others in five years for 2.5cpp. This presents a new, more precise and actionable form for our question:
> Should I redeem my least valuable point for cash?
Which leads us to ask
1. Which is my least valuable point?
2. What is its value to me today if I wait to redeem it for travel?
We now have a path to an answer! If the answer to 2 is "less than if I cash it out" then we know what we need to do.
## The Time Value of Points
If you've ever taken an economics course, you probably heard the phrase "the time value of money." If I promise you a dollar, that dollar is more valuable to you today than it would be in 10 years. You could invest that dollar today, and at 10% growth that dollar would be worth $2.60 in 10 years. Points work the same way.
If you have 100 points today, you could let them sit in your account for 10 years waiting for the perfect redemption opportunity. Maybe you eventually redeem them for $2 at 2cpp. Or you could cash them out today for $1, invest that dollar, and end up with $2.60 in 10 years to spend on whatever you want.
We can model this amount precisely. The present value of a dollar after $n$ years is
$$PV=\frac{$1}{(1+r)^n}$$
We can be more precise about the value for $r$, or the discount rate, that we will use later. For now, let's just say it's 10%.
In the same way, the point you spend today has more value than the point you save.
## Example with Chase UR
I have a CSR. So we can start to use some real numbers in this formula. Let's say that the lowest redemption value I expect to take over the next few years is 1.5cpp. Maybe some will be 2cpp, but the lowest it will ever be is 1.5cpp. That will be the redemption value of my *least valuable point* which, remember, is the only point we are considering cashing out. Since I can cash out UR for 1cpp, my question becomes
For what value of $n$ is $$1cpp=\frac{1.5cpp}{(1+0.1)^n}$$
If we plug this into a calculator we will get $n=4.25$ years.
So we have some form of an answer!
> If you expect to hold today's least valuable point for $\geq$ 4.5 years, you should cash it out instead.
Before we move on, let's find a general solution for $n$. Remember that $c_t$ is the redemption value of travel and $c_c$ is the redemption value of cash back:
$$c_c=\frac{c_t}{(1+r)^n}$$
$$(1+r)^n=\frac{c_t}{c_c}$$
$$ln((1+r)^n)=ln(\frac{c_t}{c_c})$$
$$n\cdot ln(1+r)=ln(\frac{c_t}{c_c})$$
$$n=\frac{ln(\frac{c_t}{c_c})}{ln(1+r)}$$
## From point to points
We can extrapolate this now to your second least valuable point, third least valuable point, etc ... **until our assumptions change**. We will get to what that means practically in a minute.
Say I currently have $P_0$ points today. Each year I expect to earn $E$ points and expect to spend $T$ points *if redeeming at $\geq$ 1.5 cpp*. Points earned and spent are both uniformly distributed across the year.
After 4.5 years, the number of points I should expect to have left over is my points today plus my change in points over 4.5 years, or
$$P_0+E\times 4.5 - T\times 4.5$$
which we can rewrite and generalize into the form we saw at the beginning!
$$X=P_0+n(E-T)$$
with the general form of n
$$X=P_0+\frac{ln(\frac{c_t}{c_c})}{ln(1+r)} \times (E-T)$$
As long as the assumptions we have made hold constant, we should cash out up to X points!
# Using the Formula
We have our formula, but we still have this wrinkle that makes it a bit more complicated to use than simply plugging into Wolfram.
**"...until our assumptions change"**
Let's run through an example.
Say I have today 600,000 points, expect to earn 100,000 points each year, and expect to spend 200,000 points each year (*if redeeming at $\geq$ 1.5 cpp*).
$P_0=600,000$ Chase Ultimate Rewards
$E= 100,000$ UR
$T = 200,000$ UR
Let's also assume that our discount rate is 10% and that we will redeem points for travel at $\geq$ 1.5cpp and for cash at 1cpp.
$r=0.1$
$c_t=\$0.015/UR$
$c_c=\$0.010/UR$
Solving for X, we get
$$X=600,000+\frac{ln(\frac{0.015}{0.010})}{ln(1+0.1)} \times (100,000-200,000)$$
$$X=174,584$$
It seems like we should redeem 174,584 points for cash! And if, while doing that, your assumptions never change, then good! We're done!
Which assumptions might change as your point bank depletes from 600,000 to 599,999 to 599,998 ... ?
Say you have access to Chase Pay Yourself Back redemptions for 1.25cpp. But you only have 20,000 points that are eligible for the 1.25cpp rate. If you run through the formula above with $c_c=0.0125$, you will get 408,707 UR points. As long as that $c_c$ holds at 0.0125, you should redeem up to 408,707 points. But you only have 20,000 pts to redeem at that rate! So you redeem those 20,000 points, then subtract 20,000 from 600,000 and run the formula with $P_0=580,000$ UR and $c_c=\$0.01$/UR.
Let's say that you feel confident that you could spend up to 500,000 pts on international business class flights or Hyatt stays. After you cash out the first 74,584 points you might say that you'll only consider redemptions $\geq$ 2cpp from then on. Adjust the values for $c_t$ and $T$ and see what you have now. Does the value of T change?
## Choosing a discount rate $r$
The discount rate is the opportunity cost of money. If you had an extra dollar today, where would you put it? Would it pay off debt? Would it go into an investment account? The expected annual (nominal) return of that money is the discount rate.
If it would go to pay off credit card debt at 22% apr, your discount rate is 0.22. A loan at 12% interest? 0.12.
If it would go into a high yield savings account or some risk free asset, your discount rate is something like 0.04 (we can ignore taxes)
If it goes into the stock market or other investments, the discount rate might be something in the range of 7-12%.
I'll leave the decision of an appropriate discount rate up to you, but I like to err on the side of a lower rate here since you can't turn cash into points again once you've taken them out.
# Sensitivity Analysis
You have all the pieces you need now to calculate your own optimal cashback amount. But there are a few variables here that you might be unsure of. How drastically does the optimal amount change along with the discount rate? Or with the amount you expect to spend each year?
Here's an [example sheet](https://docs.google.com/spreadsheets/d/e/2PACX-1vRGbj4Sj0WiPEZt9xCPxPT3MucuS03LMFPrUeZrG4FNpp0ZDhrsOPt5pO6mUC1tVDQYbNCIWrCFZVd6/pubhtml?gid=295154701&single=true) of what this might look like. I'll leave creating your own up to you
If you're still reading this, thanks for sticking with me and I hope you got some value out of this :) | r/creditcards | post | r/CreditCards | 2025-01-08 | Z0FBQUFBQm5teE5QNXJ2OW9MWnV6WGFSaHNQSnI3OWMyTXB1ZHJETVgzRVRqSkZoV2pENlZ3R1U3WUxhTmt2aFNGeThsMjQ5R3Q5R1ZjTHhWdXJmeXlxem9mUmR1X3ktSGc9PQ== | Z0FBQUFBQm5teE5RRDhVV1ZIZ0dhOU1tZWk4aWlJb0YwcjM2LWVWTTZwamVlWDUwSU94cUpyR3BRSHFsZHlncXNQRW5CcEd0dU1tUUV2Vi0zemlTVnhKbGNfUmktRXNxSkZiTmdET1dRd0dWZXVsUU5xTUNJVGw0YjNzZVhzS3N3QkpBTVZBWGFLUmRtZmlJaDRtZVpMcDR6VHNpOVJfSzc3TGpaRktmUGtiUW5uUXFpaTlSUFdmaFZhcjZhUmVXQ0VvRWtxRUtublBLRlFwb3NCcW5PZjJ5MktDUEVJeW5WUT09 |
I know everyone’s been freaking out about grocery prices lately but somehow I spent *20% less* on groceries in 2024 than I did in 2023. 100% thanks to Costco. I used to think warehouse memberships were for people with giant freezers and 10 kids. Like, why would I ever need 36 rolls of paper towels at once? But my partner dragged me in with the “rotisserie chicken is $4.99” pitch, and, uh… they weren’t wrong.
Costco prices are actually absurd:
* **Eggs**: $15 for 5 dozen. Even the organic bougie ones are reasonably priced. I’ve seen them go for $6+ for a dozen at Publix right now which is a literal joke. I don’t know how Costco does it given the current egg shortage, and I don’t want to ask questions.
* **Meat**: Bulk packs end up $2-3/lb. I portion and freeze them, they last us weeks, and the quality is shockingly good.
* **Gas**: I’ve found the prices to usually be $0.20 - $0.30 less per gallon. Not huge for any individual time I go but it adds up over the course of the year. The savings here alone basically paid for the membership.
I know not everyone has the space to store 10 pounds of potatoes or lives near a Costco. But even with a tiny fridge, we’ve made it work and our grocery budget has 100% thanked us for it.
https://preview.redd.it/rb8ptbakxtbe1.png?width=1712&format=png&auto=webp&s=23aa3809f7c3b4beaa5dd9dfee37ad283ebd4a90
| r/frugal | post | r/Frugal | 2025-01-08 | Z0FBQUFBQm5teE5QNmE4NDh5MDBWV0NTNmdiaWk1QkE1TzF4RGxscUU3LVp5LWNnLWN3NGp2emRXUC15TVdodDdZR2hMQV82RnVUMk80dWVlY3VfS01wb2Z2ZDdxRkZlQWk5dl9hRTFMSlF0ZGlEYXRzYXFxR1k9 | Z0FBQUFBQm5teE5RM3o5TUYzZ1B4MWNXVkI3dVNPUnZ4aVZwbUUydlZ6c2ZvZmE5OWNEbE5ZeUNFUjY1Z2pBelktWUhMQVB5X2hlLV9NUGRzTnlUYlJ1ejNnSWFkZUtvUVdvZDJfdjdnRmRMTGxpdTBxZFV0ZFFkaDdZaTlkWHRCemhJeHdhR3hZNTNsOWFLcVhLQzZZbExYTFlCdGp1WG04aV9QTzEtN3lZTXREVUlFdGNOQy0ydk5lVE5xZlI0TFpDRXJDRnhWLWtXaVNHaWtzRFRqYmM1bGo5bWpJRTdmQT09 |
I’ve spent my entire life with a save save save mentality. This was long before I even discovered what FIRE was.
Technically I’m FI, but not retired.
I’m pushing myself to spend on myself and friends for an upcoming birthday trip next month, and have about 20 friends coming. While this is a trip for me and to celebrate me, that doesn’t come very naturally and my focus is really to ensure others have a good time.
Everyone is paying to come, between lodging, food, activities there could be a $5k-$8k difference between the actual cost and what I was able to collect. (There’s a few who could still join, and others who might drop, which mainly impacts the lodging split).
What mental gymnastics do you do to feel ok with this? I spend more than that without though when it’s buying stocks for the future or a necessary repair on a rental property, so trying to tell myself it’s ok to spend on fun. | r/financialindependence | post | r/financialindependence | 2025-01-08 | Z0FBQUFBQm5teE5QcU1sdmVDb2dUTDB5ai1PS2Q3cXNWdzNlWnhkMlgwWXNpSUIxVDh5RUpxcVdSWDNqMEFwOC1MNnpwaTI4SW9mdjdqeHFBNUxubE5ERXRQOEhSNjZVYnc9PQ== | Z0FBQUFBQm5teE5Rd05fZ3o5cXExcmVuTzgyNmp6dy1IZHJOY0xfMDIyT3Q3T3h2UTVsMjNNQ3MtYWhFUDJPbTVjWVMyV2x0Yzhqd2ktWWRLcTFSWkQ0OWJ2bVJ2NVlwRFZSZ0czNHZ1QmV2NDR1ZVVWVHlZaGluZmFCRk1EYURsXzRkUlRoS2lKaVc2TDlKVjkweE1ob2ZkcTlIUHFuLUZ2YzBUX0VwMEJ5RjhCNXpkazV4aUkwNy1ESkVjZW1YQjlBcDA5TFJzbW9rTHp0M2RaVlFYOFVUamlncDRDcElxQT09 |
Subsets and Splits