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ph4fsw | What was the deal with 30Y Treasury bonds yielding 8+ percent back in the day? | Dang, boomers had it made - just buy 30y treasury bonds and get financial independence from the 8% or more yield they offered up through the early 90s. Why was it so insanely high? I've heard the long term bull run of the market is largely due to the fact that treasury bonds and interest rates are so low - nobody wants... | -0.270593 | 0.004242 | dividends | I see better advantages now. I bought my first house In 1990 with a 30 year mortgage at 10% fixed interest rates. It was easy to find quality Certificates of Deposit at about 6%, but they typically expired in 3 to 5 years. So there were always trade offs. It was easy to figure out a future on a napkin based on the savi... | 0.011009 | 0.015252 |
hl3i8c | Thoughts on FDHY - High Yield Bond ETF | I’ve lurked on this sub for a while and thought I’d finally ask a question. So I am a long term investor in my 401K and IRA I have a couple of brokerage accounts that I trade options and futures in. So I’m not a total noob.
I had an idea a while back, since even HY savings accounts are crap and really don’t beat or ev... | -0.270593 | 0.004242 | dividends | >HY savings accounts are crap and really don’t beat or even get close to inflation
A year ago, I had a savings account with a 2.32% APY, so that beat inflation. Now, according to CPI we're at a .1% deflation rate so any savings account beats that. | 0.011009 | 0.015252 |
kbcc21 | Does T lose their dividend aristocrat status? | They didn’t raise their dividend this quarter, so I am wondering if they are going to lose the title or not. Someone told me they don’t lose it so now I’m confused | -0.270593 | 0.004242 | dividends | The monarchy names are a bit silly anyway. It's not really used in professional circles and has no bearing on a company's credit rating (someone else here said this and I echo it, as I've discovered it's true).
A couple funds track it but they're in the minority. Nothing to worry about. Right now O increased their div... | 0.011009 | 0.015252 |
qugbht | What’s up with O? | O Realty is only up 9.8% in one year and performing weakly the past few months. At under 4% dividend, do you guys see a reason to keep my shares? I have other investments doing wayyyyyy better. Thx. | -0.270593 | 0.004242 | dividends | I don't see a reason for you to keep the shares, sell them to me.
But on a serious note, what is the issue?
I bought O shares for the dividend and it going upwards. O isn't a growth play for me but a dividend play. I have other companies for growth plays.
O still has growth to do though, I don't really have any reas... | 0.011009 | 0.015252 |
uj6iyj | What does it mean Fed raises interest rates by 50 points? | I am not a financial professional. But I want to know what does this interest rate hike means. Is this means we are going to have a higher APY in our bank account and why my online bank saving APY still at 0.3%? | -0.270593 | 0.004242 | dividends | The Fed rate is often misunderstood. The Fed rate is a rate that the Fed charges banks for overnight storage of funds or when a major bank has to transfer funds overnight to another facility. But, this in turn means the banks have to pay more to operate, so they end up charging more for services. So by increasing the F... | 0.011009 | 0.015252 |
lgesws | QYLD ELI5? | I’ve seen a lot of comments around QYLD lately, and I’m really new to this sub and stocks in general to understand the pros/cons. Can anyone do a brief ELI5 on it to help me better understand?
QYLD Top Line Details:
- Nasdaq 100 Covered Call ETF
- $23.44 Share Price
- 11.7% Annual Div Yield
Price and yield seem to n... | -0.270593 | 0.004242 | dividends | I am not a professional I've only been researching online for less than a year. So, more and more people are becoming aware of all these stocks/companies which pay monthly dividends. Many people seeking dividend stocks are older investors who aren't interested in much risk. The risk involved in these stocks is that tha... | 0.011009 | 0.015252 |
op0dpb | Thoughts about these reported "top" ETF's (April 2021). | The below is from this source (April 2021), see [here](https://www.nerdwallet.com/article/investing/high-dividend-etfs). What are your thoughts about them?
Below is a list of 25 high-dividend ETFs, ordered by dividend yield.
Symbol / Fund / Dividend Yield / Expense Ratio
$SDIV / Global X SuperDividend ETF / 8.56% / ... | -0.270593 | 0.004242 | dividends | I don't own any of these and probably won't research many of them, but in general with emerging market funds (as a lot of these are) i go right to the breakdown by country.
over \~10% in china/chinese states is an automatic no from me. SDIV is 28% china/hk, DVYE is 35% china/taiwan, SDEM is 40% china/associated states... | 0.011009 | 0.015252 |
jlzvvh | Tax season | Hey does anyone have experience with using turbo tax or H&R Block with their Robin-hood taxes? If so, do you suggest I go with doing it online through one of those companies or finding someone in person to sit down with? This will be my first time filing for dividends this upcoming tax season so I’d like some guida... | -0.270593 | 0.004242 | dividends | I have used Turbo Tax for over a decade but I don't have Robinhood. TurboTax allows me to download all of my trading data from my broker so that instead of spending hours inputting trades and dividend payments, it all happens in seconds. | 0.011009 | 0.015252 |
r63byj | The trend is your friend | Since 1996, the Dow Jones Industrial Average has ended with a monthly loss only nine* times.
That's a solid 64% over the past 25 years.
The majority of losses in December have been under 1%. The only real nightmares have been before Christmas 2002 had a 6.3% drop and the notoriously bad decline of 9.5% in 2018,
Over... | -0.270593 | 0.004242 | dividends | yes. because historic performance is indicative of future performance right?
​
i'm not saying you're wrong. i'm saying that you're probably right for different reasons than arbitrary numbers on a calendar | 0.011009 | 0.015252 |
jn3ly7 | QDo you think Ford (F) will restore its dividend? | I bought 100 shares of Ford, I liked the steady dividend it offered and thought $15 bucks a quarter looked alright (with 100). I bought 50 before the crash at ~$10 and the others after to mitigate that loss at ~$5. Im currently positive about $50 and am wondering if I should wait it out for the dividend to come back or... | -0.270593 | 0.004242 | dividends | It's going to take a little while longer. Their new CFO made a comment on dividends (a few days ago) and said they are closely monitoring it. They did surprisingly well last quarter - they made 9-10% profit on each vehicle sold, which is a good sign (they usually make 2-4%/vehicle profit before the pandemic).
I suspec... | 0.011009 | 0.015252 |
q39hwr | Dividend stock profit | Wanna get into dividend stocks to make passive income, looks incredible and life changing. But I don’t understand when people say the price of the dividend stock goes down when the dividends are paid so you’re not actually making anything? Is there truth to that? Thanks | -0.270593 | 0.004242 | dividends | Why would you let a single day event rule a long term strategy? In all likelihood, the stock is going to do the same damn thing in three months, forever. Or, monthly, if it pays out dividends that way.
What matters is dividends plus gains. That’s what ends up in your pocket. I buy dividend stocks because I believe... | 0.011009 | 0.015252 |
zr6ujb | One Piece of Advice Share | People over 45 or retired!
What is one piece of advice you would give to someone either starting out dividend investing OR people early in their journey? | -0.270593 | 0.004242 | dividends | You are not the smartest guy in the room, so don't try to be. Get out of your own way when it comes to investing. Keep it simple and stick to the plan
Second I would say. Make sure you find a partner in life that is on the same page as you when it comes to money. Finance is the number one cause of divorce in America. ... | 0.011009 | 0.015252 |
wp6doq | How many are JUST buying into SCHD? | Like the title says, how many on here are just buying SCHD instead of individual companies? As a 21 YOF who just started their first full time job, I am stuck wondering if I should be individually investing in dividend stocks, or would it just be easier/and quicker(?) to just invest in ETFs? I currently hold positions ... | -0.270593 | 0.004242 | dividends | it depends on the person.
there is nothing inherently wrong with having a portfolio of 30 companies, but the issues start to pile up.
Index investing changed the stock market and investor access forever.
I barely look at my accounts on a weekly basis and sleep very well making blind deposits into my index funds | 0.011009 | 0.015252 |
iq2ce8 | The beginning of the end for XOM? | I’ve been counseling many dividends investors to exit XOM for some time now (here in the sub and elsewhere), and it looks like institutional investors are finally starting to see the writing on the wall. Exxon Mobile is one of only oil companies that has stubbornly dug in and not started a meaningful transition to rene... | -0.270593 | 0.004242 | dividends | You see a price of what 20-25 a share for them then? I own quite a lot of xom and am holding. I bought at near the lowest and will see where it goes. I’m finding it odd. This whole oil is dead thing. Have we seen the highways recently? The boating? All of us working from home in a cold winter plus offices with 2 people... | 0.011009 | 0.015252 |
vq6kdz | Will be just starting with dividends.... | I have absolutely no clue when it comes to dividends and unfortunately I’m not starting out at a young age. So asking for a little advice.
Within the next 12 months I will have $20k that I would like to put into the market for dividends. Now here’s where it gets a little tricky. I will not need the dividends for 5 ... | -0.270593 | 0.004242 | dividends | To be honest, picking stocks on dividend payment frequency is really not a good idea. You really want to pick dividend stocks, like any other stock, based on fundamentals. Earnings, payout ratio, cash flows etc. The last thing you want is for a company to cut its dividend or pick a stock that declines to an extent t... | 0.011009 | 0.015252 |
85ow78 | Three new rule changes on /r/Cryptocurrency | Today we are announcing three major rule changes that will be rolling out here on /r/Cryptocurrency.
Over the past few months, as cryptocurrency boomed and attracted new attention, this sub swelled with hundreds of thousands of new users. While this was a rather exciting event, it also came with some challenges, and w... | 0.983536 | 0.013693 | CryptoCurrency | While I applaud such new innovation and visible progress, I would also appeal to the Mods to be considerate of users here. There is a reason the Crypto memes usually hits the Subs Frontpage; and that is because in these scary and saddening times, users utilize them as a good 😊 means of reliving stress. User behavior t... | 0.001558 | 0.015251 |
277mpd | Wanted to share a quick story of my recent trip to Paris... | Just got back from Paris and wanted to share this with everyone as I thought it was pretty cool.
While vacationing in Paris, I stumbled upon a bar in the back streets of Paris one night and I saw that they accepted Bitcoin on the window. When I got inside, I ordered a beer and some other drinks and I was messaging m... | 1.921045 | 0.012645 | Bitcoin | Actually this is a very nice safety feature for the future! Since you are not carrying any money and not even the option to pay, only thing you can do is take a QR code and ask someone else pay, there is no way to get robbed on-site. Except for getting taken and being asked for ransom that is ;)
If you don't want some... | 0.002606 | 0.015251 |
lgac3y | Never heard of WSB, my Reddit Account was rarely used. Why did I buy GME and HOLD? Why am I here now? | **I'm an Old\[ish\] Guy**
I don't even know how Reddit works. I've got a friend who tells me I'm crazy for being a part of this. But I've been through a whole host of crazy market events:
* *Dotcom crash*
* *9/11 crash*
* *housing crash*
* *COVID crash*
* *and now, the meme stock short squeeze*
Financially, I've ma... | 0.932731 | 0.013049 | Wallstreetbetsnew | And you, good Sir, are a big part of the reason why _I_ am here. And I believe I am not alone.
For me, this bet was not on the short squeeze (that has not yet happened) or on its numbers alone, but on the educated gut sense that there would be many an ape out here with similar if not identical reasons - and that these... | 0.002202 | 0.01525 |
fj9a9e | r/WallStreetBets will be going private at 1 million subscribers (~3.7k away) | First and foremost, I would like to take this opportunity to personally thank every single person on WallStreetBets for their undying support over the years. Whether you post here everyday, only lurk, or visit occasionally, your loyalty has helped this community grow to on the brink of a million subscribers. It seems l... | 1.081992 | 0.013165 | wallstreetbets | Gay but understandable, please add me
and if this is a trick to purge then hmmm suck my balls
Edit -
Something about capping it at 50k makes me very suspicious of this post, going from almost a million to 50k is one hell of a drop.
Purge is likely haha unfortunate I commented ah well fuck it | 0.002085 | 0.01525 |
wjid5s | Yolo'd almost 10k into BBBY 10 minutes ago. This is my first serious trade | I feel like I belong here.
​
I should also mention that I am from a ((poorer)) slav country, 10k is all, essentially.
​
I am not completely rarted and put in a stop order too. I believe this makes me a professional trader
​
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https://preview.redd.it/nk5u9vuqnjg91.png?w... | 0.647833 | 0.00843 | wallstreetbets | Nobody tell him.
*I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/wallstreetbets) if you have any questions or concerns.* | 0.00682 | 0.01525 |
x85qh3 | If I've committed to wheeling a stock, any reason not to run straddles on it? | T for example I want to accumulate shares already have 200 so sell 2 cc plus a csp (both 30 delta positions)
Seems straight forward for extra premium other than locking up the cash from the CSP. I "win" either way by being assigned, shares called, or both sides hitting profit target and closing near expiry.
What am I... | 0.11705 | 0.001866 | options | You’re confusing a straddle and a strangle. Straddle is selling a call and put with the same strike. Strangle is selling a put at one strike and a call at any strike higher than that. You want to sell strangles. Other than the terminology, nothing wrong with the play if you’re happy to accumulate more at the put strike... | 0.013384 | 0.015249 |
otwilu | Nearing fatfire - two offers - which one to take ? | 50M. \~6m net worth excluding primary residence.
I have two job offers
a) startup offer - good group of guys and work is interesting. Pay is decent and equity that may or may not become something. Risk is startup may go bankrupt.
b) faang offer - Pay is 2x of startup. Interesting field AI/ML. From outside it is hard... | -0.406698 | 0.006989 | fatFIRE | I have been in your shoes and done both. With what you are describing, I would take the startup offer any day of the week.
Difference in culture and the ability to contribute to more meaningful work is alone worth it. You are not 30 anymore with the patience to grind it out with big company politics. You only live onc... | 0.008261 | 0.015249 |
98wngl | Net worth Allocation | Hey all,
I have a general question that I would really like to get this communities perspective on.
My profile:
32 years old, married w/ kids
I make about 350-500k/year as an commissioned employee (Canadian).
I also build houses on the side to sell and to keep as rentals. In recent years it probably averag... | -0.406698 | 0.006989 | fatFIRE | You aren’t going to double your net worth in three years by playing defense. Also to get to 15M five years later you will need to keep your foot on the gas.
Unless you are buying companies with rapid growth and great picks you aren’t going to increase your net worth faster than you already are in real estate. That sa... | 0.008261 | 0.015249 |
v4i9lr | Pre-children fat travel | We are planning on having children in the next year or so.
We’re trying to think of trips we can take that would be difficult or less fun with kids.
What fat trips do you wish you took before kids? | -0.406698 | 0.006989 | fatFIRE | Look at it from two points of view.
Travel is different at different ages. What I did from 18 to 24 was very different from 25 to 29 and again different when I traveled in my 30s and then 40s. If you're in your 20s now would be the time to go hit up the world's greatest music festivals for example. I hitchhiked ... | 0.008261 | 0.015249 |
btrnb6 | When to hang out your own shingle? | For those who started their career in a corporate setting but went on to go into business for themselves (for my purposes, in the same field), how did you know you’re ready? I’m in a niche consulting industry and want to do the same work but reap the full benefits (and assume the risk).
Since this’ll probably come up:... | -0.406698 | 0.006989 | fatFIRE | Try to land a client or two before you leave. The more you can glide from one into the other, the better. Also don't shit where you eat. This means: find your own clients outside of the ones you're already talking to at work. Customer acquisition will be something you have to figure out anyways, better to start while y... | 0.008261 | 0.015249 |
mccbck | How and when to use cash fund when FatFired during market downturns? | Using a 3% SWR (or 2.5% might suffice), I’m planning to have around three years‘ worth in cash to use during market downturns. My question is, how and when does one go about using this? Say I sell from my VTSAX quarterly for the income I need, when do I use cash instead? When the market hasn’t gone up sufficiently sinc... | -0.406698 | 0.006989 | fatFIRE | That’s a lot of cash so you have a big safety buffer anyway. But the most difficult retirement cohorts were 1929, 1968, and 2000. So look at what happened to the market over the following time periods from those dates. The huge Great Depression collapse (including the double dip), the awful early 1970’s, and then the t... | 0.008261 | 0.015249 |
95z400 | Hawaii or stay in the Midwest? | I am 46 and my wife is 36. We are planning a move from Indianapolis to the Big Island. We absolutely love the state of Hawaii and it is where we want to be. The question is "how much home to buy?" especially if I am shedding the corporate grind (i.e. the bulk of our w2 income). I will very likely trip into a way to... | -0.406698 | 0.006989 | fatFIRE | 85k/year spending with 1m left over after home purchase. In the most expensive state in the US? That sounds like a bad idea man.
Even at 8% that is only 80k in interest/year. That won't beat the inflation. | 0.008261 | 0.015249 |
oy3vu8 | Don't be confused, When Gary Gensler the chair of the SEC says bitcoin needs more regulation to protect national security, he isn't talking about our safety. | Gensler unfortunately understands bitcoin better than most people in his position of power and when he's referring to regulating bitcoin for matters of national security, he means that he knows bitcoin will undermine the scam that is the U.S. dollar and he'll do everything in his power to prolong the inevitable from ha... | 2.291612 | 0.014923 | Bitcoin | Ya he is. You know how many hedge funds and financial whales pump and dump crypto? It's because they didn't have to disclose thir positions. Just cuz you hear about some companies buying crypto in the news doesn't mean they're not all doing it behind closed doors. Some regulation isn't a bad thing | 0.000326 | 0.015249 |
owu80n | Using delta to calculate an option's leverage | tutorial + example | Maybe a lot of people use strategies where they don't really care about how leveraged their options are, but I personally always like to know. When you walk through them and see that one is x6 leverage and one is x35 it opens your eyes and makes you think a bit more carefully about what you're doing.
I like to follow... | 1.608784 | 0.013503 | options | Nicely done. Didn't see the video, but liked the explanation.
The minor Greek you came up with is Lambda. The dude below, having trouble with the volatility question, is doing what a lot of people at first mistakenly do. Mistake Lambda for Vega.
(A far dte has high vega and high lambda which get lower as expiry arriv... | 0.001746 | 0.015249 |
ng7frw | The Market Hasn't Crashed: DOGE Is Still at $.33... way too high! | If you believe the market has crashed, you're delusional. DOGE, which belongs at well under a penny based on history and utility, is still at $.33.
When DOGE crashes, that's when to worry... because the speculators will be truly out. :) | 1.044425 | 0.014438 | CryptoCurrency | Its funny to see how much Doge is a topic on this sub,
First they ignore you, ✓
then they laugh at you, ✓
then they fight you, <--- we're here right now.
and then you win.
Im a proud Doge hodler and I couldnt care less about you and your coins. Why don't you try it for once? It might help you have a better li... | 0.00081 | 0.015248 |
lpyukn | Has the Tesla bubble popped? | So last week it floundered a but but was able to maintain at ~780. Today it crashes down and hits a low of 725 (so far).
IBD says today's crash may have been caused by the halt on model Y. Others say tesla is over valued and now corse correcting.
Or is it just part of the whole market crash happening across the boa... | 0.017241 | 0.001022 | stocks | It’s probably more due to the fact that bond yields are increasing, so there is a transition out of speculative stocks and into bonds. This is why you’d see the whole EV sector down, because most of these companies do not have the revenue/profit to justify their valuation currently. I’d pay very close attention to the ... | 0.014226 | 0.015248 |
bttghc | How did you learn/start investing in commercial real estate? | For those this applies to, would love to hear how you got into it. I own a couple four-plexs currently, but have been reading up on commercial lately - residential, but also retail, offices, etc.
&#x200B;
I learned about residential REI through biggerpockets, various meet up groups, and building a small network o... | -0.263724 | 0.015248 | fatFIRE | You should start off with what type of commercial you would most be inclined to buy? Commercial brokers tend to specialize.
Eg: when I started I was looking for Class C vacant industrial buildings and subdivided them to multi-tenant industrial buildings. My requirements where specific: 10,000-30,000 SF, priced we... | 0 | 0.015248 |
nvghg7 | Preparing for future dependent | Early 30s, HCOL city. Line of sight to $5-10M NW mostly contingent on company IPO. Married and planning on having kids in a couple years. Excited about life, not sure if I’ll keep working in current job or swing for the fences in a new dream career.
I also have a sibling with special needs. Doesn’t require an active ... | -0.263724 | 0.015248 | fatFIRE | I’m in this exact situation, but my brother is multiply handicapped and already in a Grouphome. It’s important that your parents get their shit together before they pass, or it’s going to fall to you and be more difficult without all the details on your sibling’s health records, vital data, etc, and you don’t want to d... | 0 | 0.015248 |
f36rnf | Daily FI discussion thread - February 13, 2020 | Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply!
Have a look at the ... | -0.257182 | 0.001563 | financialindependence | Talked to my older brother yesterday. He has been a powerful example for me, and is one of the reasons I have pursued FI.
He got a Master's degree in music on loans years ago, never paid them back. Changed his name to avoid the debt. He lived an alternative lifestyle as a musician, playing gigs in bars and restaura... | 0.013684 | 0.015248 |
twh4ap | Hertz to buy up to 65,000 electric vehicles from Tesla rival Polestar | >Hertz (HTZ) is turning up the wattage on its push to have a mostly electric rental car fleet.
>The company said Monday it will purchase 65,000 electric vehicles from upstart Tesla rival Polestar. Mostly consisting of the sporty Polestar 2 sedan, the purchases will occur over five years. Availability is slated t... | 1.648664 | 0.014174 | stocks | Dude I don’t know how Tesla can keep pumping so much..I know I know it’s not “just a car company” but their valuation can’t be so high when the competition is rising and growing. Let’s see what happens tomorrow…
Update: Hmm looks like people deleted their comments lol…anywho 223 PE ratio. No way in hell the Tesla’s ma... | 0.001074 | 0.015247 |
v7acpd | World Bank warns global economy may suffer 1970s-style stagflation, Risks of further deterioration are mounting | BY DAVID J. LYNCH
The global economy may be headed for years of weak growth and rising prices, a toxic combination that will test the stability of dozens of countries still struggling to rebound from the pandemic, the World Bank warned Tuesday.
Not since the 1970s — when twin oil shocks sapped growth and lifted prices... | 1.326769 | 0.011579 | stocks | Gotcha, commodities are about to hit their super cycle as supply in nearly every single facet of goods gets all the investment dollars in the next few years.
With how much commodities have been globalize and offshores though due to restrictions on development in Western countries. Definitely going to be difficult thi... | 0.003668 | 0.015247 |
b4d1in | What to do next with finances? Working FT and live alone | I just started a government job in IT a couple months ago. I'm 22, It is my first FT job as I just finished uni last year. I get close to $2000 net per fortnight. Currently these are my main expenses:
&#x200B;
&#x200B;
|Expense|Amount|
|:-|:-|
|Rent|$250 p/w|
|Groceries|Varies, I could spend anywhere from $2... | -0.012354 | 0.007385 | AusFinance | I wish I’d researched this like you are when I started working.
The simplest thing to do in order to make an average of 7.5% a year is to open a Vanguard high-growth account and set up a bpay into it of $1000 every month. Never ever stop putting the money in.
After 10 years you will have deposited $120k, and you wi... | 0.007862 | 0.015247 |
a7831w | How much do you spend on Xmas presents. | Unsure if this is relevant for r/finance but here we go. How much do y'all spend on Xmas presents? Who do you have to buy for and is there pressure in your family/friends to pay a certain amount.
I end up spending around $800 this year for 8 reletives and this is the expectation I get from a few family members who con... | -0.012354 | 0.007385 | AusFinance | We do secret Santa with my partner's and my family. Each only $50 max that we agreed on before. At work it was only a $10 gift. So on gifts I've spent $110 total. We've just decided that Christmas should be more about enjoying the day together and having fun. We're gonna spend more on food with each family but again, w... | 0.007862 | 0.015247 |
vsiqjn | Jobs with minimal client/customer interaction | I'm seeking some ideas for jobs that have very limited interactions with the public. I have a background in Secondary Education and have recently completed a Finance Grad Dip. I currently work in a finance role that requires a lot of contact with clients, but am quickly realising I'd love a job that doesn't involve thi... | -0.012354 | 0.007385 | AusFinance | If you don't mind contact with your colleagues, ops/back office work within finance might suit you. Largely process driven with defined tasks that you can just plug away at with little to no client interaction. | 0.007862 | 0.015247 |
hfyt3s | Top End of Sydney, Melbourne Markets Lead Property Declines | The high end of the Sydney and Melbourne housing markets are leading the coronavirus-induced property downturn in Australia, according to CoreLogic Inc.
“The stringent government response to Covid-19 has undoubtedly placed the property market at the cusp of another downswing,” Eliza Owen, head of Australia research at... | -0.012354 | 0.007385 | AusFinance | This is purely ancedotal, but many of the properties in my shortlist have had their asking price drop by 5 - 8 % or so over the past month or two.
Looking at more mid range (8-900k) 3 beds in Vic.
The next few months will be very interesting. | 0.007862 | 0.015247 |
8e7802 | A case for LIC/VGS as opposed to VAS/VGS | So, I've been thinking a lot lately. I'm concerned that myself and others are not making the best financial decisions when it comes to Aussie shares.
Not only do we allocate a significant portion of our portfolios to the ASX when the ASX only accounts for [1.7%](https://www.moneysmart.gov.au/investing/shares/internat... | -0.012354 | 0.007385 | AusFinance | Of course you can look at historical performance and pick winners that out performed an index fund. That’s hardly surprising and no advocate of index funds would disagree.
The difficulty is choosing the high performers in advance. What is it about WAM that made it stand out 18 years ago? If you can’t figure that out ... | 0.007862 | 0.015247 |
65nere | Best bank for everyday use and savings? | Large list of banks within Australia but which is the best for use for everyday use?
Additionally which one has the best savings accounts?
Might be a silly question :| | -0.012354 | 0.007385 | AusFinance | I use ING's everyday account because no fees, plus free withdrawals from any ATM across Australia provided you deposit $1000 or more per month. If you meet the $1000/month deposit, you also get a 3% interest rate on your savings account with them.
(there's currently a $100 promo if you join through a referee. PM me if... | 0.007862 | 0.015247 |
ytvb1j | $GME Daily Directory | New? Start Here! | Discussion, DRS & NFT Megathreads, DD Library, and User Flairs | I CAN'T HEAR YOU! | [GameStop.com](https://www.gamestop.com/) || Shop [Internationally](https://www.reddit.com/r/Superstonk/comments/vyyzmx/gamestop_retail_international_nft_game_informer/) || [NFT Marketplace](https://nft.gamestop.com)
GameStop [Investor Relations](https://news.gamestop.com/)
# 🙋 [What's GME & should I consider i... | 0.126833 | 0.013166 | Superstonk | So....
FTX tokenized gme shares were literally backed by nothing. Allowed to be used as collateral and potentially even as "shares to borrow"? And they appeared right before January 28th 2021?
This shit is wild. I don't know for sure, but I strongly suspect that this is a skeleton key to this whole ordeal. And how t... | 0.002081 | 0.015246 |
d4fw29 | Why is it that the market can stay irrational for so long? | I’m not necessarily suggesting that this market is irrational. I understand that is only knowable in hindsight. But why is the market ever irrational for a long period of time? It seems sometimes the whole world knows that the market is generally overpriced, and yet prices can keep rising for many month or years before... | -0.11136 | 0.002088 | investing | I suggest the pamphlet, Popular Delusions and the madness of Crowds. It is a brief history of a few historic bubbles.
Human nature, greed, fear, are some main causes of the boom bust cycle. In some artificial market studies, humans seem to gravitate towards forming a bubble. So much so that even repeat participants w... | 0.013158 | 0.015246 |
fx7zgz | Evidence Mounts That The Global Recession is Already Here | WTO, IMF, and World Bank all pointing to early indicators of sharp economic decline. It is only matter of time until the stock market catches up to reality.
https://www.bloomberg.com/news/articles/2020-04-08/a-brutal-march-for-trade-portends-depth-of-economic-pain-ahead | -0.039334 | 0.00355 | investing | We already knew the recession was here some weeks ago. Because there's no possibility of GDP growth being positive for the next 2 quarters. That's what a recession is.
But, yes, the market still reflects a V shaped recovery, which is far less likely than most people presume, I think. | 0.011696 | 0.015246 |
vz2wi6 | YES, YOU CAN BUY SHARES NEXT WEEK, AFTER THE RECORD DATE, AND STILL BE ELIGIBLE TO RECEIVE THE SPLIVY | We have to dispel all this **FUD** about people not getting their splivy if they don't purchase their shares by today (T-2 of the record date), or Monday (record date), or whenever.
I swear, this is **bullshit FUD** designed to **PREVENT/DISCOURAGE APES FROM PURCHASING ADDITIONAL SHARES** next week. Imagine what will ... | -0.092038 | 0.006282 | Superstonk | short version - If you buy before the split, you get the extra shares
EDIT - for anyone who doubts this, think about what would be possible if this weren't true. You'd be able to sell your entire position on the 20th, pocket the cash and then receive 75% of your position back on the 22nd for free. sound too good to ... | 0.008964 | 0.015246 |
3syhz2 | I have never dreaded Christmas so much in my life. What do you guys do for presents? | It's not that I don't have the money, but rather that I don't want to spend any of it. This makes me feel really... Icky... On the inside. Does anyone else experience this contradiction? If so, what do you do? Christmas always makes me feel like I'm in a lose-lose situation (trapped between spending a bunch of mone... | -0.091594 | 0.005019 | financialindependence | Make something homemade. Last year I made all the people in my family cutting boards. This year I'm doing coasters and a jar of homemade salsa for everyone.
I find it to be a way to save some money in the holidays, and the extra time/effort to me is more satisfying than just buying them something random. | 0.010226 | 0.015245 |
39ln0q | My employer paying me 50K is offering health insurance at $1250/month, are there any alternatives for me (USA-Maryland) | Details: I have a wife and child, and will be moving in 3 weeks to start a medical fellowship in Maryland. I will be getting paid ~50K, and most fellows have gone without insurance for the two years because of this obscene amount. My wife does not work.
Also- would love to go for the ObamaCare, but we plan to go to do... | 1.444205 | 0.012795 | personalfinance | I work with Obamacare and all that Marketplace stuff for a living, so let me try to lay out options in that direction for you. However, I work in Wisconsin, so Maryland may do some things differently.
First off, as has been mentioned, you probably won't qualify for a tax credit. Basically, with the income you stat... | 0.002449 | 0.015245 |
lkeb6p | If you panicked during last night drop this is not your market and shouldn't be investing in it | It is okay, if you panicked during last night drop you shouldn't be investing in crypto. That was nothing compared to what we have ahead and you will probably end up losing money. Advice, leave with whatever gains you have, it will be better for your health and your pocket.
If you decide to stay, relax and keep holding... | 0.988103 | 0.013749 | CryptoCurrency | I’ve read like 12 of these threads this morning and I finally have to say. Shut up man. Hold your bags or sell your bags, but coming on here to tell people what they should or shouldn’t do... like what’s the point of these posts? It’s like YOU lost money so you came on here to hit the virtual punching bag but you need ... | 0.001496 | 0.015245 |
iwrq2x | Airlines are Gaining Momentum - DD & Options Flow from Last Week | I was looking at some options flow from airlines mid last week and realized that it was quite an imbalance between the CALL premiums and PUT premiums. The chart setups were all looking great so I thought about giving them a few more days before taking a look again. I analyzed the flow today and it looks like airlines a... | 0.308648 | 0.014356 | Daytrading | The guys who were just at the White House pleading for money are on the up and up?
Remember a second wave is starting to show itself, the airlines financials will fall off another cliff the moment countries put travel restrictions back in place | 0.000888 | 0.015244 |
y0mpk8 | Columbus Day Profits -- $9.1K+ -- with October being over $66K+ | So I made a post for October (last week) profits to show the breakdown for each day : [October post - $58K profits](https://www.reddit.com/r/Daytrading/comments/xywj12/my_october_performance_so_far_58k/?utm_source=share&utm_medium=web2x&context=3)
Most of people were cool, asking proper questions and some were... | 0.308648 | 0.014356 | Daytrading | So is the idea to try to find an imbalance in buy/sell orders (mainly towards US market close given volume spike) to try and estimate order/inventory imbalances on the MM's end, expecting them to offload those imbalances onto traders in the asian and (mainly) european markets? And to, essentially, try to take advantage... | 0.000888 | 0.015244 |
wg4w8w | Why do I know what to do but can’t do it? | I’ve been trading for a few months after studying it for awhile. I know what to do and I make some really great trades. My losses are usually poorly executed and just a momentary lapse in judgement. I usually start off really well, and then I lose focus and make some dumb trades and usually lose my gains.
Does anyone ... | 0.308648 | 0.014356 | Daytrading | Keep a journal of what you are doing and analyse your losses to work out specifically what you are doing wrong
At the same time, assess whether your strategy is genuinely profitable. It is possible you're blaming yourself for losses when in reality it's just variance.
Edit: also, scale back your position size to a po... | 0.000888 | 0.015244 |
mru1gk | There’s a single New Jersey deli doing $35,000 in sales valued at $100 million in the stock market | Hedge fund manager David Einhorn warned of dangers for retail investors that he sees in the market, and one of his main examples was a tiny New Jersey deli with a market capitalization of more than $100 million.
The Paulsboro, New Jersey-based Your Hometown Deli is the sole location for Hometown International, which h... | 0.392822 | 0.01232 | investing | So this company has "60 total shareholders"? what's it got to do with retail investors then??
CNBC looked at a story of how a small group of people seemingly pumped a single deli to $100m valuation and thought "how can we spin this into a gamestop story?" what fucking morons. | 0.002924 | 0.015244 |
tkpqa8 | Daily FI discussion thread - Wednesday, March 23, 2022 | Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply!
Have a look at... | -0.113278 | 0.004567 | financialindependence | When I first met my boyrfriend he wasnt contributing to his 401K at all (we have a match) and said "why would I want to save money I cant touch until Im 65". Had never even heard of an IRA. 3 years later: we both max IRA and 401K and he just looks over and goes "lets update our FIRE spreadsheet and do the compound calc... | 0.010677 | 0.015243 |
fiik08 | Current S&P 500 sell-off versus previous bear markets | Graph of this issue:
https://i.postimg.cc/cCfLTQys/image.png
Another graph:
https://i.postimg.cc/zBbCzPW0/image.png
This time is different. The velocity of the market decline in unlike anything before.
The Institute for Supply Management released a survey March 10 on the impacts of COVID-19 on business and supply cha... | 0.167465 | 0.010741 | StockMarket | The market has not yet fully priced in a scenario where the US & Europe are in full lockdown like Italy. I think we’ll reach that point in a month, maybe 2 depending on the incompetence of our government & the CDC. | 0.004502 | 0.015243 |
big26a | Ticker symbol TSLA | Tesla is now at a year low by 15%. Investors are disappointed by earnings and losing faith in elon musk's ability to keep his promises.
I see this as a great buying opportunity, as demand for tesla cars appear higher than ever. Monthly visits on tesla's website are going up from 11 million from Jan 19-feb 19 to 21.7 ... | 0.167465 | 0.010741 | StockMarket | I would be long on Tesla, the only thing I can see killing Tesla would be an economic downturn
They are way ahead of everyone else in the electric car infrastructure but have massive amounts of debt due investment in boosting production | 0.004502 | 0.015243 |
kx8vnc | I bought $URG before open (I will never buy before open again) and ended up buying at peak value - it's dropped significantly since then - what's the likelihood it will go back up to $1.3 again? | Should I just sell and reinvest somewhere where I can make back the loss or do you think URG will get back up (and maybe exceed) $1.3 again? But seriously - lesson learned: I'll never ever buy before open again on a stock that's hot.
EDIT 3: I'm starting to get some truly dumbass replies to this post so I'm going to s... | 0.167465 | 0.010741 | StockMarket | It's not that you bought before the open that's the problem. It's that you bought your whole position in one trade. Your first buy should only be about 25% of what you want you position to be. If it goes down, you can add to that position or get out with a minor loss. | 0.004502 | 0.015243 |
ku3yqx | Bought 2 TSLA $880 Calls 1/8 and Robinhood automatically exercised EOD | So I’m now an owner of 200 $TSLA shares. Not angry or upset. Just surprised and wanted to share.
More than likely TSLA is going up at least another 20% next week as we run up to Biden’s inauguration. Like Elon said the most entertaining outcome is usually the most likely
[Elon Musk himself ](https://imgur.com/galle... | -0.032934 | 0.000696 | options | This post and the subsequent replies is a sure fire sign we are nearing a top. How can you be happy to be assigned 200 shares on Tesla with 70% on margin?! The amount of people playing games with options and margin accounts is baffling and it may take a while, but it will end badly. My advice, sell the position, close ... | 0.014548 | 0.015243 |
l9enxj | QLC Chain - The most undervalued project in crypto right now (easy 100x this year) | TLDR: QLC chain has built a platform (DEX) which is onboarding 10+ global mobile operators this quarter (including China Telecom and AT&T). 5m marketcap. Close to ATL in terms of satoshi value. Listed on Binance and Bittrex. Ready to explode when mobile operators come onboard and start buying up QLC.
Title says... | -0.329253 | 0.015243 | CryptoMoonShots | Maybe im not understanding, but why the incorporation of this new people would pump up the crypto price?
Aren’t they already a solid company for over a year?
Why would the incorporation of mayor telephone companies increase a crypto price? | 0 | 0.015243 |
m5yp8u | SEC Sues California trader for alleged social media fraud scheme | From Reuters: ' The U.S. Securities and Exchange Commission said on Monday it has charged a California-based trader for an alleged fraud scheme in which he spread false information about a defunct company on Twitter. ' If misinformation can be spread on Twitter, I am sure it can be spread here. Do you own research. ... | 0.394005 | 0.004059 | stocks | So this guy scammed retail investors out of 1 mil by posting false info (stocktwits?) about a defunct company... and the SEC are the bad guys. Honestly imo it's a good thing the SEC is doing something about obvious scams, hopefully it will help them grow a pair. | 0.011184 | 0.015243 |
mfjkf8 | Bill Hwang, Biggest 15B lost porn from a single investor + Billions from MM | Bill Hwang the ultimate degen, retard who was guilty of insider trading more than 10 years ago blow up 15 Billion of his own money (some friends too) and 2 Billion dollars at Japanese broker Nomura (stock down 16 percent), unknown for Goldman and MS (they sold more than 10 billion in block trade last week in BIDU, TME,... | 1.07335 | 0.013071 | wallstreetbets | the Far East traders really are the gambling degenerate GOATs - if you ever played poker in Macau you know what I mean - have we already forgotten gigaretardchad Masayoshi Son who day traded a couple billies in loss porn last year? | 0.002172 | 0.015243 |
ne1klt | Daily Discussion - May 17, 2021 (GMT+0) | **Welcome to the Daily Discussion. Please read the disclaimer, guidelines, and rules before participating.**
***
-
###Disclaimer:
Though karma rules still apply, moderation is less stringent on this thread than on the rest of the sub. Therefore, consider all information posted here with several liberal heaps of... | 0.73846 | 0.010694 | CryptoCurrency | In a weeks time Elon went from endearing billionaire hosting SNL to narcissistic conman who is trying to screw over the regular Joe’s.
Wow someone really fucked over his Public image and I hope it bites him in the ass | 0.004549 | 0.015243 |
2hpfim | Let's face it: There's currently no demand for all those bitcoins. And we fail to understand why. | During the recent years, people have built fantastic infrastructure around bitcoin. The number of people who could use Bitcoin through bitpay, coinbase, kraken, bitpesa, ... has exploded, but the number of actual Bitcoin user has not.
China has "banned" Bitcoin several times. Bank of England has "endorsed" Bitcoin. W... | 1.098466 | 0.007587 | Bitcoin | I think part of the reason we haven't seen a new bubble and a new ATH yet, is that something has changed, probably permanently. I think that since the ASIC revolution miners have stopped hoarding their bitcoins. This puts continuous downward pressure on the markets, but I don't think there is any need to worry about it... | 0.007656 | 0.015243 |
nj4sg0 | After this MOASS hits, do NOT reinvest immediately in stocks - especially crypto. | Some friends and Redditors have mentioned where they're going to dump their profits back into the market immediately after making a profit. For the love of fuck don't do it.
We've all come to completely see just how much of a casino this whole market is, and you better believe banks and funds will have already cooked... | 0.063084 | 0.011161 | Superstonk | After moass I will buy land and seeds and start agro business.
Here in Europe, the fraudelent rules of Monsanto does not apply AFAIK.
Monsanto is the Citadel of agriculture and their patents for their GMO seeds are like PFOF (payment for order flow) in stock markets.
[https://www.youtube.com/watch?v=KAZmHIiN8VI](htt... | 0.004082 | 0.015242 |
ttm944 | Daily FI discussion thread - Friday, April 01, 2022 | Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply!
Have a look at... | -0.134962 | 0.004114 | financialindependence | My company just capped my bonus with no notice. I used to, in theory, be able to earn unlimited bonus because it was partially a percent of your profits over target. Now there's a cap, so there's no reason to go over your profit target beyond a certain point. Last year my bonus was $39k vs my target of $12k. Under the ... | 0.011128 | 0.015242 |
zot1jn | why are we having housing shortage? | please help me understand, why are we having a housing shortage post covid?
did the population exploded or housing supply collapsed? I understand there are delays with new housing coming online, is this the cause? | -0.022932 | 0.007077 | AusFinance | So far, neither of the explanations provided in these comments has corrected the question: it isn't just 'us' that are having a housing crisis. It is the whole OECD. All at once, although different countries 'started' at different times, and there are local variations between the relative severities of rental and price... | 0.008164 | 0.015241 |
uufcuw | Renting out a house when moving overseas | Hey all,
I’m due to move to England in September for about 3 years and want to put my house up for rent whilst I am away as I believe I am extremely lucky to have property given how difficult it is to get into the housing market.
I am chasing advice and ‘things I wish I knew’ from people who have rented out their h... | -0.022932 | 0.007077 | AusFinance | Have done this. Would suggest getting any maintenance issues sorted now, so you don’t trace to do it remotely. Also, interview at least 3 letting agents and don’t choose the cheapest, you want them to be responsive and capable of sorting stuff for you without your involvement.
We had some pretty major stuff go wrong ... | 0.008164 | 0.015241 |
qnjdgu | The buy button was never turned back on – fluctuating DCA numbers | After I transferred my shares to Computershare, I noticed that my cost basis was about $20 higher per share than I recalled.
I left about 20% of my holdings in Fidelity, so I went back to confirm if the cost basis had changed. Incredibly, it was even more drastic there. The shares in my Fidelity account showed a cost ... | 0.098677 | 0.01228 | Superstonk | I was a bit confused at first, but I think you’re mixing up your Cost basis with dollar cost averaging. One is a strategy, DCA, where you repeatedly buy increments in dollar amounts of a stock/fund to improve your cost basis. This can mean you buy less shares or more, depending on the price of the stock at any given ... | 0.002961 | 0.015241 |
qtqq08 | My own mother decided to screw me over. I'm just so tired of it all. | Hi everyone. I posted on this sub last month about how my life just imploded when my husband cheated on me and pretty much abandoned me and our two girls. I'm also a full time student/stay at home parent, who only gets a small monthly stipend due to my husband being a disabled combat war veteran.
Things have just bee... | 0.158654 | 0.011543 | povertyfinance | Wow. I am so sorry all this is happening to you right now. I remember the stress of having no money as a single mom and a student and yeah--its never a great feeling. And you're strong; I can hear it in your words. But it sucks to have to be strong all the time when even family is trying to screw you over. Family is su... | 0.003699 | 0.015241 |
fybikv | Weekly FI Frugal Friday thread - April 10, 2020 | Please use this thread to discuss how amazingly cheap you are. How do you keep your costs low? How do become frugal without taking it to the extremes of frupidity? What costs have you realized could be cut from your life without pain? Use this weekly post to discuss Frugality in general. While the Rules for posting que... | 0.05231 | 0.008022 | financialindependence | Always, always YouTube how to fix something before replacing it or paying someone else to fix it. My garbage disposal was leaking all over the inside of my sink and it cost me about $2.00 (the price of plumbers putty) to make it good as new. The very next day my dryer started squeaking so loud it was driving our whole ... | 0.007218 | 0.01524 |
y1ab46 | Ken the Liquidity Fairy outperforms everyone this year. They all act surprised… “We don’t know how he does it” *wink wink | Citadel’s four hedge funds all generated double-digit returns this year, according to people familiar with the matter, outshining peers in turbulent markets.
The company’s flagship Wellington multi-strategy fund returned 2.5% in September, bringing year-to-date performance to about 29%, the people said, asking not to... | 0.134271 | 0.013399 | Superstonk | He’s back in the Chinese market this year… he’s taking the financial world to the cleaners. Ken continues to seem unscathed. Apes continue to buy, DRS and HODL! We know the truth! The truth will set us free! | 0.001841 | 0.01524 |
28msfs | Extremely poor judgment by Coinbase to approve a 3rd party to release an app under their name | to quote /u/Logicwax, "Extremely bad move on Coinbase's part. Letting developers build apps on your API is one thing.....letting developers use your BRANDING, LOGOS, ICON, and NAME is a whole other can of worms.
to quote /u/Ojisan1, "Even if the coinbase blog announced it, it's not their app. They can say they verifie... | 1.57491 | 0.010516 | Bitcoin | Very poor judgement indeed. A smart hacker would create the app that's complete legit, wait for the user base to grow, then 1 day with "minor bug fixes update", BAM! Everyone's funds GONE!! Coinbase can either hire that guy and make the app their own, or strongly discourage any downloads for the app. Any other response... | 0.004724 | 0.01524 |
i9cr9c | How do you make sure you're doing parameter optimization and NOT overfitting? | Just because the parameters you backtested returned the highest P/L today, this does NOT guarantee the highest P/L in the future. How should one go about determining what parameters works best for their algorithm? I have read about other various methods such as:
* Monte Carlo simulations
* Deflated Sharpe Ratio
* Back... | -0.176046 | 0.004299 | algotrading | Yeah so this is where standard statistical approaches come in, first starting with just setting a range of values for each parameter and testing each combination. This I assume you've done.
Things you want to look out for are parameter convergence. Like you said you could have a set of params (e.g. bollinger bands and... | 0.010941 | 0.01524 |
gen1qe | Career change | I’ve a background in finance and computer science, working as data scientist for a tech company.
I’m looking for new challenges and I’m thinking about going full time time as quant trading. I’m looking for the intellectual challenge to apply advanced algorithms and AI and leverage my domain expertise in a given indust... | -0.176046 | 0.004299 | algotrading | Not an expert here, but I share your passion. I personally think having your current job and doing research on your own time would be the best approach. I made myself a ML model and I'm testing it now (10% in the first 2 weeks and backtest looks phenomenal) without having any education in finance. I'm an electronics en... | 0.010941 | 0.01524 |
gzjzio | Key parameters for profitable systems - Forex | I've been building and testing systems in MQL5 in MT5 for over a year now and have had little success with my builds and backtesting. Feeling quite discouraged :( Are there any of you guys that have been successfull with FX systems? If so, what do you find are the key parameters to your system (trade time, TP/SL etc)? | -0.176046 | 0.004299 | algotrading | I’ve found most success on 1D and 4H timeframes. Too much noise on anything lower.
Base your stop loss on the ATR. i.e how much is the price been fluctuating over the last 10-14 period and place your SL outside this range to allow your trades to breathe a little.
When building all of my systems, it was quite easy t... | 0.010941 | 0.01524 |
z8cnb7 | Sharpe vs. Sortino vs. Net gains vs. Max drawdown | I am a newer algo trader working on optimizing an algo I created for Ninja Trader that is throwing a huge range of results. I have also run these a few weeks on live sim to confirm live resembles back tests. The live tests are showing similar results to the backtests.
Overall I was wondering if anyone has some advice... | -0.176046 | 0.004299 | algotrading | In my opinion trying to optimize any kind of performance metric in backtesting usually leads to overfitting. Instead, I would suggest using a set of parameters that look sensible and just use backtesting to verify whether the strategy's performance is similar to performance of well known trading strategies.
Based on ... | 0.010941 | 0.01524 |
hdrzo1 | Black box strategies. | I'm sure many people have tried this. I would love to hear stories of those who have tried black box strategies such as reinforcement learning methods. Evolutionary mutation, Q learning, Deep nets etc.
What aspects worked? What didn't?
Do you have any book or resource recommendations for these type of strategies? | -0.176046 | 0.004299 | algotrading | I’ve spent some time training some deep nets for price prediction. One was a regressor, which attempted to predict the price percentage change of a security in one hour given the last 3 hours of price movement. The other was a Mixture Density Network, which created a multimodal probability distribution for each predict... | 0.010941 | 0.01524 |
ytq7ew | Does anyone use TD Ameritrade's API? Having trouble finding information on it. | I am finding it difficult to find documentation for the API as a product. I have found the API documentation but only via a Google search. I can't find any mention of the API through their website. Are they planning on getting rid of it? What are the requirements and costs to use it? Thanks for any information. | -0.176046 | 0.004299 | algotrading | https://www.reddit.com/r/algotrading/comments/c81vzq/td_ameritrade_api_access_2019_guide/
https://www.reddit.com/r/algotrading/comments/guneln/i_wrote_a_python_wrapper_around_td_ameritrades/
i used the first guide a few years ago. PITA but it worked. | 0.010941 | 0.01524 |
wk4qcc | Evaluating and optimizing performance of a strategy? | I know this is a bit of a beginner's question, but I'm actually a bit stuck on it: what criteria should be used to evaluate the performance of an algo strategy and determine whether or not it's "successful"?
I have an algo trading strategy that I've been working on and repeatedly backtesting and tweaking over the las... | -0.176046 | 0.004299 | algotrading | First you have to split your data into test data and validation data.
Preferably, the validation data would be the most recent. Otherwise, future knowledge leaking to the past is a possibility - which renders the model useless.
Secondly, you shouldn't be optimising on the entire data set. You can do all your tweaks ... | 0.010941 | 0.01524 |
stozx9 | Thinking about starting with algorithmic crypto trading. | Hello, I'm just thinking about starting with algorithmic crypto trading, I just search on GitHub, and found a list of open-source trading bots. I just wanna ask which trading bot helps you in getting more profit. I'm thinking to start it on Binance with [Automated cryptocurrency trading bot](https://github.com/edeng23/... | -0.176046 | 0.004299 | algotrading | If anyone has a profitable system, there is zero incentive to share it publicly, so anything you find on github does not work. You can’t just “start it” by running some code you find online, you need to try and formulate novel hypotheses about the market and put them to the test.
[This](https://www.reddit.com/r/algotr... | 0.010941 | 0.01524 |
peb2p3 | A couple of days ago, Bitcoin dropped $3100 in mere hours. Last year, BTC was ONLY worth $3700. | If Bitcoin had lost this much in March 2020, that would have been an epic crash of 84% in just a few hours.
Bitcoin is unbelievably massive.
I know all the "grandpa" jokes/memes are flying around, especially in the daily but consider this scenario:
"Bitcoin can't get me 100x, so that's why I'm buying [insert moonsho... | 0.947003 | 0.013246 | CryptoCurrency | I feel the same but about Ethereum rather than Bitcoin. I think at this point Ethereum is actually a safer bet than Bitcoin long term, because ultimately bitcoin only acts as an investment hedge, like gold. There is not much propping it up in terms of fundamentals in case everyone wants to withdraw during a future cris... | 0.001994 | 0.01524 |
lpobfy | Do not panic. This is OK | Hello Everyone,
I have been hodling since early 2017 and been through the ups and downs.
Since a lot of people are asking if they should sell in the daily discussion I thought it's best to adress the elephant in the room
These swings are normal and necessary. Just expand your graph to 7, 14 days or a month. It dipped... | 1.094658 | 0.015053 | CryptoCurrency | If you're going to make it in this market you have got to get it through your head that BTC and crypto will NEVER only go straight UP - EVEN DURING A BULLMARKET
It has to cool off and refuel for the next leg up. | 0.000187 | 0.01524 |
627qio | Many BU supporters seem completely unaware that BU requires eventually removing the 21 million supply cap. | Peter Rizun (head BU dev):
"To have a fee market with no block size limit you need Bitcoin's inflation rate to be nonzero"
http://np.reddit.com/r/btc/comments/61a4uk/to_have_a_fee_market_with_no_block_size_limite/
"I don't believe a fixed supply is a central property of Bitcoin."
https://i.supload.com/r1pdI_mDg.jpg... | 1.627848 | 0.010842 | Bitcoin | Some people here say miners want BU so they have gouge people on fees. Now we have this poster suggesting miners want BU so they can charge *no* fees. So which is it?
Either way, BU doesn't give an unlimited blocksize. If say at some point in the future the blocksize is too big, and block reward is almost 0, then m... | 0.004398 | 0.01524 |
vyfr90 | Are rewards credit cards even worth the hassle? | My credit is in a good place that I'm able to get a decent rewards credit card, but it seems the rewards are almost non existant?
Tesco bank offer club card points, 1 point for every £4 spent in Tesco, and 1 point for every £8 spent elsewhere. If I spend £200 on groceries and £800 on other debit card payments, that eq... | -0.084415 | 0.001041 | UKPersonalFinance | What’s the “hassle”? An imaginary number going down for a month or two? Come on, you may as well worry about it impacting your Reddit karma score for all that it matters
Setup DD to pay in full monthly and there’s precisely zero hassle. And free money, even if it’s small. | 0.014199 | 0.01524 |
bkcsfz | Just bought a house - Closing Scam. | Closed on a house this past Tuesday. The previous Thursday we get an email from someone pretending to be the closing lawyer asking us to wire them the closing money - which obviously is a pretty significant chunk of change. The email was super legit looking. Had my name, wife's name, the address, had a fake version of ... | 1.624825 | 0.0143 | personalfinance | This is exactly why we did a cashier's check for ours. I work in IT and we've had clients compromised by similar scams.
I was really glad when our lender urged us to do a cashier's check instead of a wire amount. | 0.000939 | 0.015239 |
yjdjls | Any tips on surviving the lull period between now and when your debt management plan starts? | I have £0 in my bank account with more pending bills coming out that are going to bounce.
I don’t get paid until the 27th November.
I submitted an application for a debt management plan to pay off my debts at £428 a month for the next 5 years. I have yet to hear back from Step Change.
If they accept my applicatio... | 0.14965 | 0.003407 | UKPersonalFinance | I haven't been in this position before but just wanted to wish you good luck with the application, hope it's accepted and that you hear back soon.
With regards to food, could you get a referral to a food bank? I understand Citizen's advice bureau do referrals, they just require an initial appointment with you to disc... | 0.011832 | 0.015239 |
u2q3c8 | Final year Uni student, earned about £50k whilst at Uni and still living with parents… do I pay off my loan? | Seen all the posts today about the absolutely ridiculous interest rates coming to student loans… I’ll graduate in summer with a student loan balance of around £42-43k, for context, I saved a lot of money throughout Uni, I decided to stay with my parents and commute which actually worked out well given how the last 3 ye... | 0.14965 | 0.003407 | UKPersonalFinance | At your age I'd probably keep that money in your pocket for a house deposit or something boring like whack it in a pension.
Do you know roughly what you'll be earning in your field once you've graduated?
And this will be of use to you: https://www.moneysavingexpert.com/students/student-loans-tuition-fees-changes/ up... | 0.011832 | 0.015239 |
y2izem | Notary lost my mortgage docs and closing costs | I recently got divorced and am refinancing the house under my name with the same bank. I signed paperwork and sent my cashier's check off at the end of last month with the bank's mobile notary and he dropped it at the wrong carrier. They lost everything and the bank didn't notice for weeks. I "missed" a mortgage paymen... | 1.688486 | 0.014831 | personalfinance | You should definitely bring this up with the closing company and your bank. Whoever picked the notary should be responsible.. I work in escrow and usually we watch the docs that have gone out like hawks and track them until they come back into the office because timing for interest rate locks are very important. If you... | 0.000408 | 0.015239 |
ngv55x | Daily FI discussion thread - Thursday, May 20, 2021 | Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply!
Have a look at... | -0.17833 | 0.003209 | financialindependence | A few days ago a realtor called me to tell me my offer was accepted on a house, and then called back a few hours later and was like "Lol jk called the wrong person, your offer wasn't accepted."
Last night my offer was accepted on a different, better home! It seems to be real this time, even though I am hesitant to cel... | 0.01203 | 0.015239 |
yzmwa2 | Down the Rabbit Hole of the History Behind RC's New Venture: Children's Books and Teddy.com | So I was doing some browsing on Reddit and came across someone linking to a trademark filing related to "Teddy," presumably linked to RC. So I went on a little journey and what I found is quite interesting.
**December 13, 2019**: Ted Cohen, RC's father, passes away unexpectedly. The obituary was published on December ... | 0.012085 | 0.009557 | Superstonk | Hate to tell you, but that picture was submitted in September 2020 by the original trademark owner of teddy.com. Teddy Holdings bought it in August 21 like you say.
Source: https://tsdr.uspto.gov/documentviewer?caseId=sn90189726&docId=SPE20200921132550#docIndex=7&page=1 | 0.005682 | 0.015239 |
vzoti3 | BofA has mortgages available for lower incomes | Just got off the phone with the most helpful realtor ever who pointed me at Bank of America for getting pre-qualified for a mortgage. They are temporarily offering different assistance programs like a mortgage for people with an income under like $64k yearly which is a lot of us! It only has a downpayment of 3% which ... | -0.048576 | 0.005506 | povertyfinance | Sounds like first-time homebuyer FHA program. If so, plenty of info online (fha.gov). Structured very similarly to a VA loan (government backed), but VA loans are $0 down … another benefit of military service. Many lenders to FHA loans so shop around. | 0.009733 | 0.015239 |
pam30m | The Melvin Capital Misdirection | TLDR:
As you’re all familiar in late January 2021 the game was stopped and the message that a short seller by the name of Gabriel Plotkin made a “bad bet” on GameStop was [broadcast](https://www.wsj.com/articles/melvin-capital-lost-53-in-january-hurt-by-gamestop-and-other-bets-11612103117) far and wide - as if it were... | 0.157114 | 0.014118 | Superstonk | Commenting for visibility and for the fact that I absolutely agree with your summation. It will be beyond interesting to read about this 10 years from now and see the inevitable movies/documentaries to come from this. No doubt the sheer criminality of it will be the highlight. | 0.00112 | 0.015238 |
28n709 | Renting permanently instead of buying | I never see any posts talk about renting forever instead of buying. I'm just wondering what you guys think about it. I know some people just can't afford to buy a house so they have no choice, but what about people who could choose to buy a house but don't? Is it ever the right choice? Is it a bad idea to not own a hom... | 0.61069 | 0.005848 | personalfinance | For a great article on the subject, check out [Roots v. Wings](http://jlcollinsnh.com/2013/03/20/roots-v-wings-considering-home-ownership/) by Jim Collins.
There are two trade-offs to keep in mind. You can figure out whether renting or buying is a better financial choice for you. But they're also very different lifest... | 0.00939 | 0.015238 |
yhfnbb | How can I stop pointless spending? | I’ve always struggled a lot with my finances, I never seem to think before I spend and it always ends up leaving me in a whole one way or another.
It’s nothing but pathetic that I don’t learn after many finance related consequences but I always end up spending and by the time it adds up I’ll be scraping pennies until... | 0.617782 | 0.008139 | UKPersonalFinance | I struggle with this too.
I recently started following a girl on Instagram who posts a lot about emotional spending and tips on how to reduce it, might be worth having a look and see if any of it helps you.
Hoping this link works but if not she's @the.brokegeneration
https://instagram.com/the.brokegeneration?igshid=... | 0.007099 | 0.015238 |
83ed27 | If you were 22 again, what would you do differently? | As a 22 year old working full time and saving/investing as much as I can, I'm curious to know what those a few years older would do given the opportunity to start again? | 0.617782 | 0.008139 | UKPersonalFinance | Contribute continuously to your pension and to a stocks and shares ISA, even if it's not that much yet, and increase those contributions proportionally as your pay increases. Slow and steady wins the race.
At your age, I was very focused on building up a cash pot because I wanted to buy a property with minimal mortga... | 0.007099 | 0.015238 |
unx7f7 | Friend is £7000 in overdraft. Options? | It started at -£11,000 and we've slowly managed to get her up to only -£7000 but it's stalled there. All of her income is from benefits and everything she gets is immediately lost to the interest payments on the overdraft, which is now at about £250 a month. I've called CAB and debt charities on her behalf but they've... | 0.617782 | 0.008139 | UKPersonalFinance | She needs to change bank account then default on the overdraft claiming financial hardship. They will not freeze the interest until you default. once you default on the loan/overdraft the interest is frozen. Then she can come to an arrangement with them on paying back over a period of time based on income & fair e... | 0.007099 | 0.015238 |
a0xdix | Breaking: Starbucks May Accept Bitcoin, Claims Bakkt CEO | "Today, Bakkt’s CEO, Kelly Loeffler, while attending Consensus Invest, said that Bakkt is working with Starbucks to give their customers more options in their ability to pay, specifically with bitcoins."
[**Source**](https://beincrypto.com/starbucks-may-accept-bitcoin-claims-bakkt-ceo/?utm_source=reddit&utm_medium... | 2.051354 | 0.013446 | Bitcoin | I only go to Starbucks when I go with someone else who gets their fix there. Usually that's about once every two months.
If Starbucks starts taking BTC I will increase my coffee budget, I will start buying my coffee beans from Starbucks, and I will start going there regularly. | 0.001792 | 0.015238 |
aptxvv | Nano added to Wirex Visa platform | Nano can now be seamlessly spent at over 40 million outlets around the world using the Wirex Visa card, creating a fast decentralized bridge between cryptocurrency and real-world spending. Also acting as a fiat on/off ramp for EUR, GBP and USD.
[https://wirexapp.com/small-perfectly-formed/](https://wirexapp.com/small... | 0.860237 | 0.012184 | CryptoCurrency | On their website: “Exchange your funds for Bitcoin, Litecoin, XRP, Etherium, WAVES or EUR, USD and GBP with a couple of clicks in the Wirex app or on desktop.”
Pretty ridiculous they can’t spell the second biggest crypto. | 0.003054 | 0.015238 |
8bz2zq | Guess I've set my finances up - and now what? I just wait? | So I've been going through a rather long period of overdraw debts. 4k and a bit by now.
While figuring out our family budget, I found out, that in the coming months we'll actually be making an okay amount of money.
So I have a daily budget app, excel sheets for fixed costs and a savings plan. On top of that I've set ... | -0.041945 | 0.005699 | povertyfinance | I agree. Once things were set up, it was very freeing stress-wise to have a plan. Yeah, it can be a bummer to see that you'll be paying off that debt for 5 years or 10 years or whatever, but you see how it's possible if you just stick to the plan. | 0.009539 | 0.015237 |
j4d2gd | Is becoming a Dominos delivery driver worth it? | Hi all,
I get paid £26,800 per annum however I work in travel so currently on furlough.
Last Sunday I started a job as a Dominos delivery driver and have worked many hours since last Sunday doing this. However I've been trying to weigh up the pros and cons of whether it's worth it which I've detailed below. I hope so... | 0.851848 | 0.010504 | UKPersonalFinance | Am I missing something with your calculations or have you gotten them wrong? You’re paid £1 per delivery for an average journey of 6 miles.
It costs you 13p per mile for fuel, wear and tear etc. 13*6 is 78p, not £1.80 so you’re positive, it’s not costing you anything.
Anyway, I done the same thing for a few weeks an... | 0.004733 | 0.015237 |
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