id stringlengths 5 7 | title stringlengths 2 312 | selftext stringlengths 151 42.5k | z_score float64 -0.53 162 | normalized_score float64 0 1 | subreddit stringlengths 4 21 | body stringlengths 201 14.2k | comment_normalized_score float64 0 1 | combined_score float64 0.02 2 |
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wj0qln | Advice needed on depositing wedding money gift to a bank | Hi, we got married recently and we have been lucky enough to have obtained about 8k of cash from our wedding guests. Some of that money has come from friends and family abroad.
We'd like to deposit the money to the bank ASAP but as this is a rather large sum we are afraid that this could raise some suspicions at the b... | 0.851848 | 0.010504 | UKPersonalFinance | I worked in a bank and I can tell you that there are a few steps to take in all honesty, most people assume that cash is fine but that amount of cash could cause a few additional checks that will take longer if you arrive randomly and want to pay it in. That would go for however you paid it in, if its unusual activity ... | 0.004733 | 0.015237 |
qqqby2 | Anyone remember "egg"? longshot but trying to find a dormant ISA opened with "egg" in 2002 | Hi!
As per the title I'm trying to track down an ISA stocks & shares (funds) opened in 2002.
I tried Yorkshire Bank but got "computer says no" type of answer.
Anyone with an ISA from egg can remember what bank took it over, and maybe subsequent transfers?
The funds in the ISA are with HSBC, ISIS, DWS & ... | 0.851848 | 0.010504 | UKPersonalFinance | Which suggest
>https://www.which.co.uk/money/savings-and-isas/savings-accounts/how-to-find-lost-bank-and-savings-accounts-a4jqc3j05fpb
TL;DR
>The easiest way to re-trace lost or dormant bank and savings accounts is to use the mylostaccount.org.uk service, run by the British Bankers' Association, Building Societ... | 0.004733 | 0.015237 |
x2h5vn | Squeeze is 100% happening. Let me explain. | Let’s look at the facts:
First off: Today’s announcement.
It’s a wide misconception in this sub that the announcement was negative in any way, shape or form. The company plans to cut the worst performing 150 stores, which is less than 10% of all. They’re also going to sack two least useful C-Level executives, and they... | 0.722319 | 0.009242 | wallstreetbets | Fundies aside, $18c were $0.02 at the low. They fear the Gamma ramps. Well REGSho and ISDA phase 6 kicks in, short interest still -publicly- reported as over 40%. No new share release deadline sounds like the board begging for us to grab those nuts and squeeze, while making full unbroken eye contact.
Edit: Quick glanc... | 0.005995 | 0.015237 |
ie35qw | Apple ($AAPL) surge (up 70% YTD) | Beside the stock split, which fundamentally adds no value to the company yet it added half a trillion $ to its valuation. What is driving this insane rally?
AMZN \~+73% (YTD)
AAPL \~+70% (YTD)
MSFT \~+30% (YTD)
theoretically MSFT, AMZN and all the software service companies would be the most beneficiary in the last... | 0.005254 | 0.004455 | investing | Increase in price is driven by P/E expansion. Apple is catching up to MSFT and still far away from Amazon's P/E ratio.
When treasuries pay less than 1%, P/E expansion is inevitable. Their credit is basically as good as the U.S. government's and their dividend is higher! | 0.010782 | 0.015237 |
lktgg1 | SPCE DD - Test Flight Delay | Hello all!
Test flight has been delay...so what? This is a long play. You can turn around and make good money off the space tourism but truthfully, this play is meant for the hypersonic point-to-point travel that will be coming to fruition sometime near 2025 pioneered by Virgin Galactic with the help of NASA, Rolls Ro... | 0.07728 | 0.005916 | investing | >>> Market cap of Hypersonic Travel: $270BN
>>>
SPCE has 100% of the market: $1152.17/share
SPCE has 50% of the market: $576.09/share
SPCE has 20% of the market: $230.42/share
This is enough imo to show the current valuation is nuts. they have what? 2 hypsersonic ships? They are going to go from 2, ... | 0.00932 | 0.015237 |
p5mubi | Do you think people will stick to their plans and continue to invest in to the S&P500 even in a (multi) decade long bear market? | When a young person asks here where he/she should invest a significant portion of the wage, the answer in this sub is often to dollar cost average every month in to an S&P 500 ETF no matter what the market is doing.
The theory is, that with this strategy you would have made a good return in almost any given period... | 0.07728 | 0.005916 | investing | Bear markets dont work like that, as well as I dont think there have been multi decades ones in what i would call recent times. Not recent as in last 10 years but recent as since the crash of the 20's and what for lack of better terms was the beginning of the end for the industrial era in the US. Long before retirement... | 0.00932 | 0.015237 |
rx4fy5 | Wondering why stocks are red?Traders are worried equity markets will fall if the Fed starts reducing its 8.5 trillion dollar balance sheet. | Bernanke had the same issues at the end of 2008. Go pull up a chart and compare equity markets to a decline in the Fed’s balance sheet then: https://www.federalreserve.gov/monetarypolicy/bst_recenttrends.htm
Welcome to the world of debt monetization, where the government buys its own debt en masse. We’ve been robbing ... | 0.359864 | 0.003784 | stocks | I'm trying to remember the crash days, but I think Bernanke did 20 something rate hikes before the big crash. I think its funny now when the market freaks out because we will be getting our 1st hike soon. #Oldschool | 0.011452 | 0.015236 |
7c3z7c | Debt free! Thank you Bitcoin! | This year has been a rollercoaster for me and my introduction to Bitcoin. I started to invest around $1000 by January and today I’m selling to make myself and my wife debt free.
We have during this time endured very hard times and also emotionally wrecked when we found out that we were not able to conceive birth to a... | 2.316045 | 0.015073 | Bitcoin | Happy to hear that you're making sane economic decisions. Glad you got out and didn't get stuck in a perpetual speculation cycle.
Take good care of the kid, and do teach him what money is, why it's useful to society and what happens when it isn't the people that control it. | 0.000163 | 0.015236 |
7c3z7c | Debt free! Thank you Bitcoin! | This year has been a rollercoaster for me and my introduction to Bitcoin. I started to invest around $1000 by January and today I’m selling to make myself and my wife debt free.
We have during this time endured very hard times and also emotionally wrecked when we found out that we were not able to conceive birth to a... | 2.316045 | 0.015073 | Bitcoin | Good for you! Now that you have a baby, the debts will pile back on quicker, though. Make sure to start a side gig/business to keep more money coming in. The debt will come right back if you don't prepare. | 0.000163 | 0.015236 |
nnm9vr | Another $100k Invested Case Study | Hello!
I was inspired by the update on the front page yesterday, so thought I'd give this a go.
I've been tracking my net worth since I started working in 2017 and thought I'd give a yearly breakdown of my income, spending, and investments. We all like to see case studies here.
**M, 26, SE-US in mid-COL area**
Tim... | -0.012743 | 0.006665 | financialindependence | Thank you for sharing all of that, including the non-financial details. You've definitely had all sorts of curve balls and seem to be doing super-well in many ways. I hope you can keep re-connecting with your wife. Your life events exemplify how important it is to lay good financial groundwork when you can. Keep at it! | 0.008571 | 0.015236 |
gmnald | Tricks for saving money? | Hey I’ve come across a few tricks in r/AusFinance (like this [gem of a thread ](https://www.reddit.com/r/AusFinance/comments/gjjwrk/reminder_always_ring_to_get_a_better_deal/)) for saving a buck or two here and there and wanted ask if you guys have any others? Not after ‘saving’ strategies as such, just little tips and... | -0.033511 | 0.006769 | AusFinance | Think of how long you need to work to make back the money you spend. A $1000 camera, thats a few weeks of work. $80 new shirt you want but dont really need? Thats 2 days of work etc. Don't use it for everything or you'll go mad. Use it to sense check if you really need something or not | 0.008467 | 0.015236 |
bi9vl9 | Question about alcohol excise | I'm a homebrewer who was thinking of selling a few brews to mates just as a way to share my beer without being out of pocket as well as sharing nice beers. I am hoping to do this legally and realise it would mean getting a license.
So for my question, if my brew is not profitable would I still pay excise? I could no... | -0.033511 | 0.006769 | AusFinance | THIS IS NOT TAX ADVICE!
I don't know anything about excise taxation but I'd be VERY surprised if there's many/any exceptions.
Can I suggest rather than taking money from your mates for finished beers you get them to chip in for the consumables and then give them the finished product as repayment. Might not make a dif... | 0.008467 | 0.015236 |
qlsz8z | How much mortgage interest raise can you stand? | I want to test the recent comments: "1% interest rise will drop house prices by 30%"
It is like a poll. Please choose an interest rate rise, and an emotion + affect:
Eg.
1% = not happy. Less takeways.
2% = nervous. Need a second job or something
3% = scared. We'll be on the streets.
Thank you.
**Conclusion:** it's... | -0.033511 | 0.006769 | AusFinance | Don't banks check you can service a loan at 3% or so higher than the current variable rate they provide? So at the lowest variable rate (e.g. loans taken out in the last couple of years) people should be able to afford 5% before seeing stress. People who bought earlier than that would have been assessed at 6-7%.
This... | 0.008467 | 0.015236 |
sbe699 | Building industry troubles? | Materials going up to 50% and higher or straight up unnavailable, huge labour demand/costs Supply chain nightmares and the list goes on.
What are your thoughts/ experiences reckon it’ll contribute to a crash? | -0.033511 | 0.006769 | AusFinance | I think there is already signs of unease amongst builders. Not just custom builders but also volume builders. They’re struggling because typically builders have to have fixed priced contracts for the banks and this is leading to builders losing on jobs.
Personally I don’t see this contributing to a property market cr... | 0.008467 | 0.015236 |
7pqhit | 23 years old, no savings, from a family in poverty looking to get started with Acorns | As my title suggests, I'm a 23 year old who - thanks in part to growing up in a rather low income family - is not super great with money.
However, over the last year or so I've been reading this sub as well as r/personalfinance which has taught me a lot and I've come a long way. I still have a long way to go though.
... | -0.033511 | 0.006769 | AusFinance | To get financial security, you need to get into the habit of putting aside a portion of your income each pay cycle - and simply thinking of that money as being “gone” - completely untouchable. And then you need to figure out your investment strategy to invest that money.
It’s not really about Acorns the app. You ca... | 0.008467 | 0.015236 |
apllfu | My parents gave me fully franked shares as a child, since my first ever tax return I haven't mentioned them. What is the process to rectify this for the future? | For further clarification, I am 26 now and have been lodging returns since I was 15.
I never understood the franking credit system so I never lodged them.
There was only about $1500 worth of TLS shares, I was receiving dividends until recent years when I switched to reinvesting.
The shares are in my mother's account... | -0.033511 | 0.006769 | AusFinance | Are you sure they weren't included on your tax return? Last few years with the current tax site it's pretty hard NOT to declare anything that's in your name since it's auto detected.
But anyway you were probably getting about $50 per year in dividends so I'm fairly sure you're not on some kind of Interpol alert list w... | 0.008467 | 0.015236 |
gyax1h | How do I get better at following lesser known stocks? | I'm a 17 year old and I'd like to get into investing. I have been following stocks like S&P500, Tesla, Beyond meat, and Amazon for nearly about 1 year. I know that a lot of these stocks are overpriced. But I find it difficult to pay attention to other stocks, because these stocks are often mentioned here and on oth... | 0.293358 | 0.010301 | investing | Open a spreadsheet paste in all stocks. Scroll through and pick one at random google it and read about it for 3 minutes. If you want a site that just spits out the ticker a google search came up with this.
https://raybb.github.io/random-stock-picker/ | 0.004934 | 0.015236 |
l3v7oe | Consistently Profitable Day Traders | Guys, all I find online is how day trading is a scam and virtually everyone who tries loses money. I see videos that the gurus are fake and similar topics on forums.
If you’ve been consistently profitable trading full time for at least two years could you please comment below? I’m trying to get into this but finding i... | 0.002554 | 0.006354 | Daytrading | The numbers are not good. Not good at all. Here is one of the problems you face... I think a lot of gurus are scams too. If they had a market edge your 8000 dollars for a course would be wicked small to them and they would be diluting their edge selling it to you. There’s just no incentive to sell a market edge for a p... | 0.008881 | 0.015235 |
5z8pua | the schwab "intelligent portfolios" white paper is a great read, regardless of how you feel about schwab or that product. breaks down modern portfolio theory, the benefits of diversification, and how they are evolving with increasingly interconnected markets. | ERROR: type should be string, got "https://intelligent.schwab.com/public/intelligent/insights/whitepapers/asset-allocation.html\n\ni've read lots of these white papers and robo methodologies, this is by far the best. wealthfront's is good but it mostly exists to sell and justify their product. this one basically teaches you to do it on your own. not just robo advise yourself, but actually construct portfolios for various levels of risk and return. (that's not as easy as it might sound).\n\nposting here in the hopes it sparks some good discussion about MPT, correlation, diversification or anything else in the white paper.\n\ni'll start it off with the question i've been trying to find the answer to by reading all this stuff: what is the maximum return portfolio? that portfolio should have a name and be famous, the holy fucking grail. but these sites all seem to want to hide it's existence and refuse to give it to their clients when they score maximum risk. \n\nif you don't understand MPT you're answer will probably be '100% US Stocks' or '100% Emerging Markets' or something but that does not seem to be the case. if you combine asset classes with similar levels of return but that are not perfectly correlated, your risk goes down and your returns likely go up. it's almost certainly going to be a portfolio of multiple asset classes. " | 0.365384 | 0.011763 | investing | They make a good point about how things are changing. If you base your information on some old rules of thumb, you'll think that US Total Stock Market (VTSMX) and Total International stock Market (VGTSX) have a low correlation, but they don't anymore.
http://i.imgur.com/npWHDWs.png
The big "International Stocks" mak... | 0.003472 | 0.015235 |
npa4iy | I'm not saying don't get excited or be optimistic for the coming 2 weeks, but be careful and mentally guard yourself. | Two things I've noticed that are concerning:
1. Many are *positive* the MOASS will happen within 14 days.
2. Many are positive it *will* happen at all.
I believe in the DD. GME is my bank account too. But remember, no dates, hedge funds are snakes, something like this has never happened before, and literal billions ... | 0.106115 | 0.012514 | Superstonk | We HODL for as long as it takes. And if we happen to retire with GAMESTOP leading the S&P in 2030, then be it.
We know we have the nuts, and our opponents keeps raising the stakes. We don't fold a winning hand, at any cost, we stay the course. It doesn't cost us anything to keep hodling, they are starting to feel... | 0.002721 | 0.015235 |
7igmrh | I trained a deep learning model to find the best investments. | It didn't work.
I occasionally see posts suggesting this (one by /u/craino the other day), so I thought I'd give it a try.
Here's the details:
I downloaded the Sharadar SF0 dataset from Quandl
https://www.quandl.com/data/SF0-Free-US-Fundamentals-Data/documentation/about
It has 63 indicators on 2000+ companies (they... | 0.43741 | 0.013225 | investing | I'm far from an expert but it is naive to believe that you'd be able to create a model that performs well using only H2O AI especially without understanding anything about how the underlying technology works.
Here's where you could improve:
* You need at *least* 10x more training data, ideally 100x or even 1000x more... | 0.00201 | 0.015235 |
k3vo6g | How to best acquire dividends? | Hey there, I've been investing since about April (yup, hopped on the amateur train along with everyone else around that time.) and I'm currently trying to build a solid dividend portfolio, so with that I have a few questions if anyone is willing to answer. 1) When building a dividend portfolio is it advisable to have a... | -0.229931 | 0.006061 | dividends | I can’t help with your questions because I hopped on the investing train same as you but I just wanted to say how lucky we all were to get in when we did. I knew absolutely nothing but I’m up on average 40% from when I bought in on each stock. Cashed in on over $1000 profit just so I can try to figure out how taxes aff... | 0.009174 | 0.015235 |
qqv7ib | People in early retirement | I reversed some of my actions. I’m 67, my current situation doesn’t require supplementing with dividends. So I sold some of my dividend payers and bought growth stocks. Anyone else go through this? Currently on SS, collecting a small pension, working 8-10 per week consulting. Paying all my bills and saving $750-1000 pe... | -0.229931 | 0.006061 | dividends | Retired at 52. The most important thing with early retirement is to pay off all debts before leaving the workforce. That means no car payment, no mortgage, no credit cards. This is critical.. The amount of capital needed to sustain an enjoyable lifestyle without much overhead is relatively small. | 0.009174 | 0.015235 |
nr8gro | Pick a Stock to add a large portion to. | Here are a few of the company's I been looking to have larger position in. Which one should I add!? I already hold SCHD
[View Poll](https://www.reddit.com/poll/nr8gro) | -0.229931 | 0.006061 | dividends | TD, can't increase its dividends this year thanks to the Canadian Government forcing it on TD and the other Canadian banks. But once it can... Oooohhh boi I hope it will increase a lot all the Canadian banks are sitting on a lot of cash.
ENB is another great pick. I'm in both but I feel more confident with TD | 0.009174 | 0.015235 |
wrs9qa | Risk of High(er) Dividend REITs | I am a bit new to this thread as I am trying to create a dividend portfolio to invest in. I notice that many of the popular suggestions on here are very low dividend %.
O - 3.97%
VITI - 1.4%
VOO - 1.4%
So I assume these recommendations are based on some hope that they are part growth and part dividend returns. What... | -0.229931 | 0.006061 | dividends | Don’t chase yield.
CIM is -9.61 (-50.47%) past 5 years and NLY is -5.61 (-45.42%) past 5 years.
You have to consider total return.
Realty Income is +21.55 (+42.05%) past 5 years while paying a healthy and growing dividend.
4% is not a ‘very low dividend’, it’s relatively high.
The crazy yields you’ve highlight... | 0.009174 | 0.015235 |
zfxgo5 | Family Portfolio questions and broader questions in general. | Hello! So I'm writing this on behalf of a parental figure (without their knowledge). We are currently working on moving them from one money manager who I (with the help of Reddit \*FatFire subreddit\*) decided was overcharging her and using her naivety to run up fees. She's moving to a more local firm we both like more... | -0.229931 | 0.006061 | dividends | It is awesome that you helped me see ways to save money on fees. The rest of it I am very confused about. You have a parental figure who has clearly done very well for herself. She intends to use this new money manager with a lower fee structure.
Why are you giving her financial advice, and asking Reddit, if she is p... | 0.009174 | 0.015235 |
zmv5ku | I know they say not to time the market… | I have 100k set aside to put in SCHD. Lots of bad stuff going on with the market today, and people forecasting around a 20% drop in the S&P next year. I definitely don’t feel like I should just throw it all in the market now!
I’m thinking for next year the best thing might just be to DCA and do ~ 8k a month. Wh... | -0.229931 | 0.006061 | dividends | Hold....hold.
After the next leg happens, bad earnings in february.
We might see schd around 65 at least.
I only buy when it touch the 200 moving average.
That happens 2 times this year.
Wait and get at least 68 per share, I forecast that it might touch the 63 and people would get in again.
69 and below is 4% dividend.... | 0.009174 | 0.015235 |
xo6h5y | Why no BDCs? | I'm 38 and new to investing. Dividends interest me as a simple semi-guaranteed way of getting a return on my investments. I understand no dividend is guaranteed but very few established companies cut their dividends to zero, if at all.
I see a lot of discussion here about dividend stocks, ETFs and REITs but almost no... | -0.229931 | 0.006061 | dividends | I have looked into a few bdcs and own 1. The things I look for:
1) management - must be great. listen to earnings calls, read annual reports, look at their history, etc.
2) how long have they been around? If they started post 08 crisis then I give them less credit because they haven’t had a significant down turn out... | 0.009174 | 0.015235 |
zzolgb | Opinions on SCHD, DGRO, INTC | Hello. New investor here. I was thinking about starting investing but focusing mainly on SCHD, DGRO, and INTC. Any helpful opinions on what else I could add or swap? Or if I should go for these choices | -0.229931 | 0.006061 | dividends | Intel is a massive gamble even now after being cut in half. If PC sales are low again next year and AMD continues to take more market share for certain products then Intel could get very ugly. It doesn’t necessarily go back up just because it was slammed down. Things don’t fall by 50% in a year without something being ... | 0.009174 | 0.015235 |
z8wonk | JEPI dividends in Roth | Considering dumping 6k of JEPI into Roth to have the dividends purchase VOOG throughout the roth lifetime. After maxing it with JEPI I will go back to purchasing VOOG/VTSAX in subsequent years.
My roth is currently 16k in VOOG/VTSAX.
Thoughts? Any tax drag since it’s JEPI? | -0.229931 | 0.006061 | dividends | no tax drag because its in a roth....but also no cap gains if you start with vtsax and switch to jepi later when you need the income
using dividends to purchase other equities is very questionable; probably a once a month debate here.
I dont think its an effective use of your money and youd likely have better returns... | 0.009174 | 0.015235 |
m4yjjo | What percentage to put on each divided stock | So as we all know stimulus are coming starting this week. I have no debt and an emergency fund so im putting the full 1400 in my brokerage account. I will keep 700 as cash for use on stocks that are on "sale" . I have a number of dividend stocks im looking at but im unsure what percentage of the 700 to put on each.... | -0.229931 | 0.006061 | dividends | You should aim to diversify at least by sector, ideally also by country, but I assume you's gonna be buying the US stocks. You can also consider ETFs such as SDIV or KBWD if you want to achieve more diversification that would be possible with individual stocks and your small bankroll.
As a rule of thumb, I do not inve... | 0.009174 | 0.015235 |
k6ote8 | What are the best metrics to dictate which stock to buy? | So, I just took 2 hours or so to review the U.S. Dividend Champions excel doc, and while the notes section gives a pretty comprehensive explanation of each data set (a lot of which I still had to google to understand) it doesn't give a clear indication of which pieces of data you should use to help you purchase.
Th... | -0.229931 | 0.006061 | dividends | Dividend history (does it grow), dividend vs EPS (are earnings able to cover dividend, preferably twice over or more), debt to equity (some debt is a good thing, but a lot of debt, and debt that can't be covered by equity, is bad), and free cash flow (the company might have earned $10/share, but is that actually conver... | 0.009174 | 0.015235 |
p29bbq | Daily FI discussion thread - Wednesday, August 11, 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... | -0.243383 | 0.001851 | financialindependence | Turned 30 today and decided to celebrate by paying off my remaining 4K on my student loans. I technically could have waited since there’s no interest rate for the rest of the year, but it feels good to be done a few years ahead of schedule. | 0.013383 | 0.015235 |
uw5o7v | The Math on Series I Saving Bond (ibond) Returns | With inflation being very high lately there has been a surge in community interest in Series I savings bonds, or ibonds, whose returns are pegged to the inflation rate. I see a lot of posts of people confused on how ibond returns function or who are misinterpreting the returns...typically overstating them.
Series I bo... | 1.5508 | 0.013683 | personalfinance | iBonds are a strong contender for my main emergency fund vehicle, layered like CD ladders back in the day so that I have access to the entirety when I need it.
I'm thinking something like 1-2 months liquid and 4-7 months in iBonds depending on my personal risk tolerance and perceived market/employment risks. | 0.001551 | 0.015235 |
3ky3td | Not going to outlive my savings | I have about $240,000, more or less, in savings. Also, I have stage 3A lung cancer and, at the age of 52, I am not likely to outlive my savings. Under the circumstances, annuitizing my savings seems like a really bad idea. What would the FI people do iin my situation? | 0.174529 | 0.010573 | financialindependence | Looks like you have about a year though it could be 5 years.
http://lungcancer.about.com/od/whatislungcancer/f/stage3lifeexpectancy.htm
Don't blow all your cash on sillyness in one year but, also don't keep carrying on as usual. Quit your job and focus on relaxing and just feeling the earth under your toes plus havin... | 0.004662 | 0.015235 |
z6zj9a | Hold onto some losers in the taxable account or rebalance now? | My taxable brokerage account has a few stocks/ETFs I'm not in love with long term that are down quite a bit more than the market (e.g., bought some COIN, ARKQ, and ARKG to diversify at their height).
I'm on the fence as to whether or not to keep those losers and see if they bounce back more than the S&P (or if I ... | 0.509435 | 0.014686 | investing | One thing I haven't seen mentioned yet and you still have time to do it is you can double the risk by buying your position again. Then in 31 days you can sell the low cost basis shares and keep your original position if you want to keep them.
The downside to this strategy is you have 2x the risk. The upside is if they... | 0.000548 | 0.015235 |
uim560 | BIP 119 | Is it just me or does bip 119 completely mess the fungibility of bitcoin. If the idea of covenants is that you can create bitcoin that can only be sent to certain addresses, doesnt that make two classes of bitcoin? The unrestricted ones and the restricted ones. Are these bitcoin not differentiable from each other? Coz ... | 0.275888 | 0.002529 | Bitcoin | I was asked by an old colleague to respond to your post because I came up with the term covenant as applied Bitcoin many years ago back when I was still a Bitcoin developer.
> does bip 119 completely mess the fungibility of bitcoin. If the idea of covenants is that you can create bitcoin that can only be sent to ce... | 0.012706 | 0.015235 |
lxl4a6 | HF and Media Interns - You need to understand me! | Here's the way I'm looking at GME.... (and only GME)
I'm not rich. I came from shit. Got a little more shit now. But still working hard to get more shit. So this is REAL for me. THIS is my one shot. If I take this shot and land on the moon, my life is COMPLETELY and TOTALLY different. My loved ones lives are differen... | 0.45524 | 0.006329 | wallstreetbets | This war was lost when they decided to battle with a bunch of retards with a free brokerage account with literally nothing to lose and a willingness to put our scraps on the table to change our lives. I'm not greedy I just want a mortgage-free life and my debts paid. | 0.008905 | 0.015234 |
blegus | I gave my family BTC for Christmas and now they love BTC | I gave my dad and sister each a trezor and $100 in btc for Christmas. Roughly .0264 btc at the time. I text them both yesterday to let them know that BTC is worth $160. They are finally coming around to btc. My mom even gave my dad permission to buy more. Definitely best strategy to turning around some nonbelievers.
E... | 0.328826 | 0.002854 | Bitcoin | They're only interested in it because it appreciated in value. That's the only interesting part to them.
​
My family too was interested in Bitcoin when I gave them some and it went up in value.
​
Then when the price crashed, they were very uninterested in it.
​
Few people care ab... | 0.01238 | 0.015234 |
yu2a4v | Is the GameStop NFT drop a dry run for a potential dividend? | First off, I’m mildly (but high functioning) regarded.
I was just thinking about the $200 NFT drop, linking my pro account to my wallet via one verified email address.
Is it possible that GameStop is doing a test run to see the functionality of
1. Linking the two different software programs (GameStop site/store p... | -0.064414 | 0.007151 | Superstonk | If GameStop were to do this it would be directly through Computershare because their system is already set up to receive an NFT dividend and it’s directly linked to your GME shares. Not sure that they would complicate things more by doing something else like trying to make people pro account members because not everyon... | 0.008083 | 0.015234 |
xqppno | We're seeing the death throes of the Old World... | Seen in a larger perspective this is the part of history where humanity evolves into the digital age. Instant worldwide communication has already transformed the world and will continue to change many things. We're in the front row watching it happen in real time.
# What a time to be alive!
This post is an appreciati... | 0.190051 | 0.015154 | Superstonk | It's called The Great Awakening, the realization of our guided, intended demise being legislated into our lives, in front of our eyes, and the collective courage to defeat this existential threat as one movement, without borders, leaders, or a head to cut off. | 0.00008 | 0.015234 |
xqppno | We're seeing the death throes of the Old World... | Seen in a larger perspective this is the part of history where humanity evolves into the digital age. Instant worldwide communication has already transformed the world and will continue to change many things. We're in the front row watching it happen in real time.
# What a time to be alive!
This post is an appreciati... | 0.190051 | 0.015154 | Superstonk | NOSTRADAMUS PREDICTS: WHAT'S IN STORE FOR THE FINANCIAL MARKETS IN 2023?
Quatrain:
‘So high will the bushel of wheat rise’, the French seer wrote, ‘that man will be eating his fellow man’. Morbid and dramatic though this sentiment is, it’s clear to see how spiralling living costs can and will lead to ever more d... | 0.00008 | 0.015234 |
s9hjb5 | ‘Good luck! We’ll all need it’: U.S. market approaches end of ‘superbubble,’ says Jeremy Grantham | The U.S. is approaching the end of a “superbubble” spanning across stocks, bonds, real estate and commodities following massive stimulus during the COVID pandemic, potentially leading to the largest markdown of wealth in its history once pessimism returns to rule markets, according to legendary investor Jeremy Grantham... | 1.580383 | 0.013623 | stocks | Not sure what people are surprised about here. We just had massive stock market growth and the wealthy investors who have the most control over the prices took their gains and will buy back in at a lower price and a new cycle begins. Day traders trying to become overnight millionaires are the ones who will lose the mos... | 0.00161 | 0.015234 |
ew4ttc | Buying my first car by myself :( | Im a 20 year old girl and I've saved a good 3k to put as a downpayment on my first car. I dont really have any family members or friends that could go with me or help. The only person I have thats willing to help me is my grandma who isn't knowledgeable about car buying at all. I've kind of just been doing as much rese... | 0.933437 | 0.008538 | personalfinance | I would highly recommend buying a certified pre owned corolla from Toyota, given your description of your situation. This way you will know the car itself is fine, generally can get interest rates in the 1-2% range if you catch a sale, and all you’ll have to worry about is not agreeing to any extra accessories which yo... | 0.006695 | 0.015233 |
ppjyck | Parents setting up a life insurance policy for my (1 year old) son. | So, apparently my parents have done this for all of their grandkids (my son is their 13th!) I knew they'd been doing this, but didn't really know the details. Now that my son has arrived, they would like to do it for him, too. My mom asked me for his SSN, height, weight, etc. I asked if she could send me a policy ... | 0.727649 | 0.006823 | personalfinance | Here’s my opinion - I think everyone’s correct that a 529 would be a good option, as would a general investment account, but a whole life insurance policy isn’t a TERRIBLE idea, especially if it makes your parents feel good. The good thing about whole life insurance policies on kids is they are relatively cheap (I bel... | 0.00841 | 0.015233 |
wu6jr1 | Buy grandmas house and let her live there? Other options to support her financially? | My grandma (93 y/o widowed) is relatively healthy and still lives alone. She wants to spend her final days/months/years in her house and adamantly refuses to go to a nursing home. She is pretty independent and who knows, she may live for another year or she may surprise us all and live for another 10. She wasn't the mo... | 1.315403 | 0.011722 | personalfinance | Grandma loses out on several advantageous tax credits, benefits if the house changes ownership.
If she is struggling to pay bills, explore Energy assistance programs (LIHEAP), SNAP, Community based Medicaid (QMB/SLMB), and any tax credits for seniors related to housing/property tax, etc.
If she needs Long Term Care M... | 0.003511 | 0.015233 |
wcr77j | Got a deal on a 2 bedroom apartment, take it or stay put? | 31 year old male, salary $50k with $40,000 in savings.
I’m currently in a 350 sq/ft studio apartment, $600/month utilities included. I recently was a approached by a good friend who’s mom is trying to rent a 2 bedroom apartment. Was on the market for $1,300, told her my budget were to be $800 per month if I were to g... | 0.840166 | 0.007761 | personalfinance | Just make sure you have an actual legal lease agreement. I read, and have personally witnessed, so many people do business with friends and it end badly. Lifelong friends. Friends since kindergarten. Friends who grew up together. Etc.
Get the monthly rent price and expected utilities in writing. Have an actual lease.... | 0.007471 | 0.015232 |
smcfa2 | Big decision in FatFire journey. Should I exercise company options? | I have to make a decision whether to purchase(exercise) my options that are vested for $450k after leaving my last job at $lastco tech company recently.
My situation:
* Age: 36.
* Current NW $3.2M (not incl company equity)
* Split into:
* Liquid (indexes/stocks/cash): $2.2M
* Real estate (excluding debt): $700k
* PE/... | -0.324213 | 0.011753 | fatFIRE | Check out companies like ESO Fund. They'll loan you the money to exercise your shares for a cut in the future if your company IPOs. If your company never IPOs you don't have to give the money back. I haven't personally used their services but it sounds good.
Or if your company allows, look into selling your shares on ... | 0.003478 | 0.015232 |
tpyxzv | does anyone have experience hiring staff for family vacations? | I’m trying bring my husband and I’s families to palm springs later this year for a week or so long vacation. I found some beautiful vacation rental homes but was wondering if anyone has experience hiring staff just to come work in the vacation rentals for a few days.
I was thinking some sort of combined chef/butler/h... | -0.324213 | 0.011753 | fatFIRE | Look on [Thumbtack](https://www.thumbtack.com/)! You can search for a bunch of different kinds of contract workers and pre-arrange their services. I’ve used Thumbtack to schedule an “at home” (or “at *vacation* home”) massage, as well as cleaning services. But you can also find a personal chef and more based on your ne... | 0.003478 | 0.015232 |
i2e9yo | Thoughts on parenting and how much information should one share | I raise my 11yo child alone. For a few years I’ve been quite frugal to save money for our new place and I’ve been able to rent out my previous place, turning it into my first rental property.
My close friends and family know that now I own a rental too and usually the reaction I get is jaws dropping. (We live in Swit... | -0.324213 | 0.011753 | fatFIRE | My parents were completely transparent with me and I think this set me up really well in terms of having realistic expectations for how much things actually cost. I think I was significantly more prepared for the real world than my more sheltered acquaintances. | 0.003478 | 0.015232 |
hokvfo | Building Our House - What are some must haves? | We basically have a blank slate to build our house though we don’t want to go overboard on budget. Those of you who have had custom homes built before, what are some “must-haves?” For example, we have Teslas so a must have would be a electric car wiring built in. A nice to have would maybe be a generator (auto switches... | -0.324213 | 0.011753 | fatFIRE | we are building a custom home after having stayed in a spec home for almost a decade. Things that I made sure, the new home had:
\- high(er) ceilings (more than 12')
\- raised the ceiling of the garage to accommodate future lift
\- it sits on a lake - so large windows (floor to ceiling) and 16' sliding doors (4 slid... | 0.003478 | 0.015232 |
1qzemm | Bitcoin traders crippled by server overload (BitStamp), withdrawal/deposit lags (Mt. Gox), and brokers maxing out their daily buy limits (Coinbase). How does an average US speculator/investor even participate right now? | I have accounts established at Mt. Gox, BitStamp, Coinbase, and LBC.com. But it seems like every single bitcoin exchange/purchase platform is experiencing technical difficulties, banking lag, or web traffic issues. I'm hesitant to attempt to deposit USD for coins anywhere at the risk that my $5k-$10k could get trapped ... | 1.017023 | 0.007086 | Bitcoin | I absolutely love seeing posts like OP's, it really does make my day. If Bitcoins are so "expensive" when one has to jump through all these hoops to get some, imagine how much more they will be worth when anybody can get them with minimal effort! | 0.008145 | 0.015231 |
vjw8n6 | Something is brewing today | I feel like this one was a little too obvious.
we opened above 140 and hit 148, until the news dropped today. As soon as the report came out from Maxine Waters, we tanked all the way to max pain, and it didn't take long at all. The whole time, SPY gained 2%.
So we tanked below max pain, on weekly options expiration ... | 0.029616 | 0.010108 | Superstonk | There have been some pretty fucked days for the market the last year and a half, but today seemed especially weird.
I mean, the government has basically said “apes were right” and to have it fall on this day is pretty fucked. The end must really be close. As far a price suppression goes, this feels like the last dump... | 0.005122 | 0.01523 |
upxryl | My husband saved us hundreds by fixing our washer and dryer. | I think we all know when it rains, it pours. Any time something breaks, I hold my breath for the next few things to fall apart. That happened a month ago when after a crazy week our washer and dryer broke. The cheapest used were around $450. New ($1200) was out of the question.
My husband is a woodworker and knows no... | -0.008788 | 0.006665 | povertyfinance | There is a YouTube video on how to fix anything. I have saved a fortune over the years.
Just remember, those cheap parts on Amazon are cheap parts from Amazon. They may work in a pinch but if you can afford OEM from a reputable parts place, buy OEM | 0.008565 | 0.01523 |
and5bh | I make half as much as most people on here. What am I doing wrong? | I work in a print room at an investment bank. I’ve done pretty well, and have worked my way up to a senior operator position, where I’m in charge of 4 people. I make £25000 a year.
I thought that was pretty good, but when I come on this sub, most people seem to be making upwards of £50000. This completely baffles me.... | 0.080675 | 0.001431 | personalfinance | Note that the median income in the UK in 2017 was 27.300 GBP, it's not likely to be that much higher this year.
I feel that this sub represents a lot of people who are, at least in terms of employment, quite a bit better off than your average person, and also has a high amount of young people in particular who seem to... | 0.013799 | 0.01523 |
rkhvg1 | Why I'm bearish on CryptoCurrencies till BTC hits 42k again. | Allow me to explain, BTC has had a major push to 69K on 10Th November, since then we've been slowly bleeding to as low as 42k.
Sure we had a few pull backs but nothing major, and every time we get a pull back it doesn't really break any resistance points.
Historically during every dip, we get flash crashes but we ca... | 1.042903 | 0.01442 | CryptoCurrency | > *Apparently I'm getting downvoted for having normal conversations*
 
You're getting downvoted for Technical Analysis. If you want TA, just go to /r/CryptoAstrology
 
Snarkyness aside, if any laywoman/man actually knew how the markets moved, s/he would have retired already.
  | 0.00081 | 0.01523 |
nqwdgj | They never intended to cover and no amount of money can cover what’s about to happen. | As I’m watching movie stock unfold, it really got me thinking about something.
Why are they wasting time delaying the inevitable MOASS and kicking the can the road? All they’re doing is allowing more apes to accumulate more GME shares and add more fire to the shitstorm that’s about to unleash. What about the movie st... | 0.174645 | 0.014669 | Superstonk | I’ve been saying this same thing since January. Had it popped then a lot of us would’ve gotten out at a much smaller price too. At this point, fuck em. They wanna play hardball, let’s play! We can do this all day. | 0.00056 | 0.015229 |
sp35ef | Daily FI discussion thread - Thursday, February 10, 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... | -0.121163 | 0.004402 | financialindependence | Recieved a letter from the city yesterday. They are taking 40 feet of my front yard to expand the road to 4 lanes, resulting in my house being within 30 feet of a 4 lane road!
It is an interesting perspective to know that there is no amount of money (within reason) that I would give up that much space. They supposedly... | 0.010827 | 0.015229 |
7033mk | Birthday Update Towards FI: Age 24 | Hey /r/FI!
So I'm a massive fan of this subreddit on my main account. I wanted to do some kind of yearly post detailing my journey to FI/RE because I personally love seeing the progress posts with detailed financials. I chose to go with putting this on a separate account just so that I can provide detailed financial i... | 0.087793 | 0.008763 | financialindependence | Very impressive.
The only comment I have is: get that sleep apnea taken care of asap. I know it's expensive and a hassle, but it's SO worth it. My SO has obstructive sleep apnea and while it cost us not a little money to pay for the studies and the CPAP machine, his life is completely different now. Depression is gon... | 0.006466 | 0.015229 |
wlxb1n | Robinhood must face U.S. market manipulation claims over 'meme stock' rally, judge rules | Aug 11 (Reuters) - Stock trading platform Robinhood Markets Inc (HOOD.O) must face market manipulation claims over restrictions it placed on trading during last year's "meme stock" rally, a U.S. judge has ruled.
https://www.reuters.com/markets/us/robinhood-must-face-us-market-manipulation-claims-over-meme-stock-rally... | 1.107919 | 0.013448 | wallstreetbets | Wall street has always been a casino run by rumors. Jim Cramer even said when he started his career he spread rumors all the time. But when people make a conscious decision to purchase a stock together somehow its market manipulation. | 0.001781 | 0.015229 |
tspozc | Base camp 1 done! | My wife and I have been on a journey to retire early with a debt-free income. It will allow us to live how we please with travel.
We started by purchasing our first home at 20 years of age, and over the last decade, we built our real estate holdings to 3.4M in total holdings with 1.2M in equity today in a well-known ... | 0.296749 | 0.013124 | financialindependence | You must have had a pretty high paying job to start with at 20, and you would have had to have a lot of luck. Your real estate portfolio would have had to grow on average of about 226k per year, for the past 15 years. That is a LOT. | 0.002105 | 0.015229 |
6wcvuw | Every fee calculation algorithm in every wallet is fundamentally broken! This needs to be fixed yesterday! It's the main reason for the insane fees! | Why do we still have these insane high fee levels on a Sunday when you get a confirmation in the very next block for less than 30 cents?!
The reason are very likely these faulty fee calculation algos. Its not bitcoins fault when people overpay several 100% and raise the fee level for everyone else in the process!
If ... | 1.334652 | 0.009039 | Bitcoin | Fee estimation is fundamentally flawed, this is a better way of doing things that wallets should adopt: https://medium.com/@bramcohen/how-wallets-can-handle-transaction-fees-ff5d020d14fb (Or maybe they can do a mixture of both) | 0.00619 | 0.015229 |
o8m37r | I'm fucking JACKED about GameStop selling Board Games, but how about some love for D&D? | Dungeons and Dragons is one of the OG games, a marvelous way to explore our own creativity and personalities, it made a big difference in my household over multiple generations.
I would love to see my favorite store on the Citadel (GameStop) stocked to the tits with the full range of D&D books for players and DMs,... | 0.161895 | 0.014268 | Superstonk | Can't begin to explain how much I love playing D&D.
Couple of expansions on your original idea OP:
1. If GameStop is truly headed down the experience route for their stores, such as gaming stations etc, hire in some Dungeon Masters to host one shot sessions, like a birthday party experience type thing. Or a 'dung... | 0.00096 | 0.015229 |
pilllf | My thoughts on the upcoming earnings report this Wednesday, September 8. Bullish AF | I was thinking about what will happen with the upcoming earning report this Wednesday, September 8. Does GME go down like it did twice before or does it go up??? Then I had an AHA moment. Eight days after the March 23 earnings report, GameStop issued 3.5 million shares to raise money to pay of the outstanding debt. ... | 0.004116 | 0.009306 | Superstonk | I think it is worth mentioning that even if more shares were released, it would pale in comparison to the theoretical short position that has been collectively taken on GME. If you know, you know.
We all would like the MOASS to happen soon. Today. Right meow. However, it is not the end of the world if an ATM share of... | 0.005922 | 0.015229 |
rgidwe | CoinMarketCap/TrustWallet price glitch - Discussion/Theories thread | I know everyone is having allot of fun seeing their portfolios being worth trillions and making many jokes in our daily discussion.
But I'm actually intrigued by this, and I see no one talking or questioning what's actually going on.
Are there possible exploits or (black swan) events that can emerge from this glitc... | 0.793259 | 0.011364 | CryptoCurrency | here are some posts that will see in the future:
* people panic selling what they had, only to realize that the got the correct amounts.
* a poor bastard/app that used the CMC data as gospel, and now its completely fucked.
* anti crypto media milking the shit out of this.
edit: added a 3rd one. | 0.003864 | 0.015228 |
o477u3 | Is GME a squeeze play or a value play? YES | It‘s BOTH. For the new apes and the veteran apes who may have forgotten:
- Shorts haven‘t covered. MOASS is still on. All the data analysis makes that clear. Buy and hold is a winning strategy
- Most apes intend to either hold on to a portion of their shares AKA Infinity Pool
- OR buy back in when the squeeze has squo... | 0.149145 | 0.013867 | Superstonk | Well that was when it was only becoming an E-Commerce. Now they are becoming a Tech Company.
Short Story this stock has Deep F'n Value even today priced at $220.
Edit: Not Financial Advice. I just like the stock. | 0.001361 | 0.015228 |
nn8yhz | PSA, if you're clicking on and sharing bitcoin fud articles, you're part of the problem. | Literally, the only reasons hack "journalists" keep writing fud articles is because of the click traffic their shitty reporting receives. Stopping this trend is even easier than voting with your wallet, simply stop clicking on bunk, fud articles.
Edit. This post is not directed at bitcoin price as a few people have... | 1.546405 | 0.010341 | Bitcoin | Don't ignore the FUD, there may be some truth to it. Examine EVERYTHING you read closely and use facts, your common sense and better judgement to discover the truth (or atleast what you think is truthful, sometimes it's hard to know for sure). Doubt both sides of the extreme, the truth usually lies somewhere in the mid... | 0.004887 | 0.015228 |
5uhp1i | What's the difference between posters on here and the rest of Reddit. | Wanted to start a discussion about the state of economy and the way it is represented on Reddit, don't know if it is allowed though. So obviously this sub self-selects for highly intelligent high-achieving people. All the younger people on here seem to have their shit together, earn well, and have a great future ahead ... | -0.142847 | 0.003949 | financialindependence | "is financial independence possible for anyone with a little guile and intelligence, or are things as bad as the rest of Reddit make them out to be??"
Yes, it is possible for anyone with a little guile and intelligence. But really, I would say more-so it is possible for anyone with discipline. No, things aren't as b... | 0.011278 | 0.015228 |
d8pswc | Tesla drops 6.7% on lawsuit allegations and vehicle sales drop at rival Nio | Lawsuit information: https://www.cnbc.com/2019/09/23/tesla-solarcity-claims-detailed-in-newly-unsealed-court-docs.html
Nio's mess: https://www.reuters.com/article/us-nio-results-stock/tesla-rival-nio-tumbles-to-record-low-after-deliveries-disappoint-idUSKBN1W91KI
Big allegations in the lawsuit about information being... | 0.121867 | 0.006821 | investing | Also, I was saying that the Solar City purchase was a bailout when it happened but the fanbase was going on and on about how wonderful it was and "MUH SOLAR ROOF." The whole purchase could be a total scam and Tesla could lose and its fanbase would still be rabid apologists for Musk. It's really amazing, from the way th... | 0.008406 | 0.015228 |
17xnc1 | Dell sells itself for $24.4B, $13.65 a share. | See [here:](http://online.wsj.com/article/SB10001424127887324900204578285582125381660.html)
I didn't think it would go for so low. /u/shazoocow had [a great comment on this yesterday](http://www.reddit.com/r/investing/comments/17vnzc/is_dell_a_good_buy/c899rrn)
Thoughts? | 0.193893 | 0.008283 | investing | Did I hear my name?
My opinion remains that this is a really raw deal for shareholders and that any shareholder who agrees to this price would be crazy. I'll be voting no. $13.65 would be a good price to buy Dell shares with a long term outlook, not sell them. The company is seriously undervalued and obviously Michael... | 0.006944 | 0.015227 |
r1wgcg | One of the biggest mistakes the beginners make is only focusing on the short term & expecting profits every single day without any pull backs. | There are so many beginners who sell after a week or two of investing just because they had a few red days and just decided to give up on Crypto as a whole. Especially at this time in the market, people who are selling now will almost certainly regret it as we aren't even close to a bear market.
You should always look... | 1.103791 | 0.015165 | CryptoCurrency | What separates new investors from seasoned investors is that one group sees red days and panic sells while the other uses it as a buying opportunity. It’s all about having faith in your investment in the long run. | 0.000062 | 0.015227 |
udtyqm | Why I’m long on long read DNA sequencing ($PACB, LON:$ONT) | I work in the biotech field and want to lay out why the 2022 biotech sell-off has created an unparalleled opportunity to buy cheaply into technology leaders in a growing field. Specifically, I want to talk about two companies involved in DNA sequencing: the US-listed Pacific Biosciences ($PACB) and the UK-listed Oxford... | 0.265919 | 0.009745 | investing | Awesome post OP! I also work in biotech and rely on short read sequencing for my research. One comment is that while Illumina SBS methods may eventually be less accurate than long read sequencing, it will still be difficult for clinical laboratories to switch over to newer and improved technologies. Its difficult to ju... | 0.005482 | 0.015227 |
7ecfab | To all the new arrivals here, welcome to r/stockmarket! | Hello there investors and traders!
Welcome to r/stockmarket!
We have had a big influx of new arrivals in the sub over the past few weeks, so I thought it would be good to have a little refresher on the direction and goals of this most glorious of subreddits!
History:
I used to be an extremely active daytrader, when... | 0.268213 | 0.013426 | StockMarket | Hi All - proud to be a mod here. In terms of background - I've been a trader at a bank, and joined a hedge fund as the first employee and we did well. My style is quantitative and portion of discretion. I then left the fund and took some time to find myself, did, and now I do a lot of work in FinTech.
Feel free to ask... | 0.001801 | 0.015227 |
7zh95a | Snapchat | A redesign of Snapchat (SNAP -7.3%) is continuing to pile up negativity, and longtime bear MoffettNathanson reiterated a Sell rating on Snap with an eye to what it says is 45% downside. | 0.268213 | 0.013426 | StockMarket | Honestly. SNAP is a buy before earnings, but not until earnings. This new update is perfect for their stock. No one is deleting SNAP before their next earnings and no one has stopped using it day to day, overall their revenue is going to rise. | 0.001801 | 0.015227 |
xcn56h | high yield savings banks? online? | hi, i was looking to put some money into a high yield interest savings account.
i am usually a brick and mortar bank user, but i see online savings is giving 2% interest on a savings account?whereas all my brick and mortar institutions are .5%
are the online options like CIT, SOFI, Ally, Lending club, safe? FDIC ins... | 0.337945 | 0.011206 | investing | I switched everything to SoFi so that’s all I can speak on but it’s pretty great at long as you link direct deposit. I use it for checking and savings. If you have good credit they offer a 2% cash back credit card on all purchases as long as you redeem them in your sofi account. I’m loving it so far. | 0.00402 | 0.015227 |
unmtwn | What the Fed is really trying to fix | Let’s get right down to it.
We know that the Federal Reserve is hiking interest rates (market expects rate to be at about 3% by year end) and it will trim its almost $9 trillion balance sheet. This balance sheet includes $2.7 trillion in mortgage backed securities (MBS). There are proposals to sell $30 billion in US t... | 0.337945 | 0.011206 | investing | Rising interest rates will deflate housing prices. Not because people will default causing supply to increasing (although some with variable rate mortgages may default when their payments go up). Most people will have fixed payments, so rising interest rates won’t affect their existing mortgage. Prices will go down bec... | 0.00402 | 0.015227 |
wc6ft2 | Zero downtime, no forking, 4.4 second deterministic finality, 26M addresses, 1.4k+ nodes, carbon negative, $0.0004 transaction fees, post quantum secure. FIFA Technical partner, Nigeria Partner, El Salvador Partner, Central Bank of Italy Partner, ISDA Member, ISO20022 Compliant. Algorand is grand. | Algorand Metrics:
[metrics.Algorand.org](https://metrics.Algorand.org)
Algorand's unique and novel 1/1 blockchain design called Pure-Proof of Stake(PPoS) allows for decentralization, scalability, and security.
Here is a break down of what exactly Pure Proof of Stake is and why it is unique:
https://preview.redd.it/... | 0.971358 | 0.013544 | CryptoCurrency | When using [a practical metric for smart contract TPS](https://medium.com/dragonfly-research/the-amm-test-a-no-bs-look-at-l1-performance-4c8c2129d581) comparisons, it is clear that a lot of the layer-1 smart contract platforms are not as "far ahead" as they like they advertise... Algorand is already on par with the lik... | 0.001683 | 0.015227 |
p4d4zh | Which stocks at least 50% off their 52 week highs do you think will perform the best long term? | While the stock market indices have been hitting highs week after week several stocks have had major drawdowns since Jan-February of this year or even from last summer. Which do you think will perform the best over the coming years? | 1.224348 | 0.010753 | stocks | My best bets on this would be TDOC, APPN, and ATY. Not quite off 50% but I’ve been keeping a very close eye on GH as well. APPN is the only one I’m not totally sure about but the others are easy doubles. ATY and GH are absolute multi baggers. Good luck to all | 0.004473 | 0.015226 |
tgma0a | That call was freaking amazing and I’m gonna tell you why. 💎 🙌🏻 🦍 🚀 🌙 | Why the f### would I forget game stop?
Number 1) GME sales went up $1BN. Game stop sold an extra billion worth of product in 2021. Up from $5BN the year before.
Number 2) they paid off all the debt - they have a small French gov loan ($44.5m) to do with covid. But game stop has virtually no debt -
Number 3) they ... | 0.075303 | 0.011545 | Superstonk | Thank you. Everyone’s getting way too lost on their failed hopium and is missing the forest for the trees. It’s incredibly bullish, particularly in light of the absolute wreck the global economy will have for the next few years. Even the titan of Wall Street, “Apfel”, can’t sell phones and overpriced hardware when Foxc... | 0.003681 | 0.015226 |
pq4ypa | I’m 25 and I want to earn more on my savings. | Over the pandemic I realized how important it was to have an emergency fund or something to fall back on. I was able to successfully save 9.3K. It’s sitting in my savings account and I typically add about $200-300 weekly. My savings account is getting a sht interest rate though. 0.01% :/ I know there are CD options but... | 0.418227 | 0.004244 | personalfinance | You can use a high-interest savings account to bring it to ~0.5% APY. Still totally safe and liquid.
After you have your emergency fund, start to consider investment options - primarily 401k, Roth IRA. | 0.010982 | 0.015226 |
3gpzfs | Investment Pro Tip: Stay the Course (Repost - seems like it's one of those times again) | Based on the number of posts in the last few days about declining portfolios, it seems that a lot of our new members in /r/personalfinance are finally getting a taste of real stock market volatility.
As I write this, the S&P 500 is down about 20 points (-0.96%). The past few months has seen the S&P off abou... | 1.211769 | 0.010858 | personalfinance | I assume many readers of this subreddit are young and are in their 20's, If that's so, you really.. really.. really.. want to have a drop in the S&P 500 and other portions of stock market. How else are you going to own good stocks for less. Stocks are like most of anything else that you buy, like cars, home and bur... | 0.004368 | 0.015226 |
7yohdb | Best of /r/Investing? | Hi guys, I'm wondering if any of you have a list of saved links or comments from this subreddit that you have found particularly insightful/ eye-opening, and if you'd be comfortable with sharing them. Going to 'top of all time' here doesn't really work, since that's mostly all just news-based things, and doesn't show t... | 0.481997 | 0.01413 | investing | This comment on risk premium: https://www.reddit.com/r/financialindependence/comments/3xznje/if_past_performance_doesnt_predict_future_results/cy98b5t/
This comment on sector picking: https://www.reddit.com/r/portfolios/comments/47hh6p/thoughts_on_this_hypothetical_6040_portfolio/d0gg2sx/
This comment on past perform... | 0.001096 | 0.015226 |
ujk7ka | I’m putting a bit of money away but savings losing value - never invested in my life? | Hi I’m 21 and could really use some advice. I’m currently earning around 23k and (just about) managing to put £200 in savings each month after rent and expenses etc. I have 3K already in the savings account, I’ve had the savings account for years and I’m aware it’s not really got any interest currently.
I feel like o... | -0.018877 | 0.001703 | UKPersonalFinance | Don't worry too much about inflation eating your savings, if you're going to spend half of it on travelling this year anyway! The rest of it could be the start of your emergency fund, and when you do start investing I would suggest opening a lifetime ISA if you'd like to buy a house in the future, you'll get a 25% bonu... | 0.013523 | 0.015226 |
ltrzff | Virgin Media Ultimate Oomph Bundle once initial contract ended price | I'm currently paying £79 a month for my Virgin Media package, but my contract is due to end soon, I'm wondering if anyone on here what deals/ price reductions people have managed to get at the end of it. Just so I know roughly what to be aiming for when it comes to negotiating.
Thanks in advance | -0.018877 | 0.001703 | UKPersonalFinance | Say you want to leave because it’s too expensive.
Get transferred to their cancellations/retention dept.
Say you want to leave unless they offer you better (bonus points if you find an alternative cheaper deal).
Get deal / don’t get deal and walk away.
??
Profit | 0.013523 | 0.015226 |
ocb4hv | Sell Apple shares to cover debt? | We have 9.7K in debt, loan at 3.9% with a monthly payment of £336.
We also have approximately 10k in Apple shares via a workplace share scheme.
Should we sell the shares to cover the debt? If the interest rate on the loan was higher then I certainly would.
The debt is more than manageable each month however we’r... | -0.018877 | 0.001703 | UKPersonalFinance | No one has a crystal ball, and the answer to this question clearly depends on how those stocks perform into the future.
Personally, I would say the risk/reward isn't there for me. Paying off the loan is equivalent to a guaranteed return of 3.9%. Plus peace of mind, which is priceless... | 0.013523 | 0.015226 |
sneo7h | I'm a contractor. How do I calculate what VAT I owe HMRC? Detail below | So I have to pay 16.5% VAT.
I charge a client 20%.
Net sales = £60,600.00
VAT 20% = £12,120.00
Total Sales = £72,720.00
​
Question:
Do I pay HMRC 16.5% of £60,600 or do I pay HMRC 16.5% of £72720?
​
EDIT: Thanks for clarifying. The answer appears to be 16.5% of 72k. Which makes me wonder... | -0.018877 | 0.001703 | UKPersonalFinance | >Which makes me wonder what is the point of being VAT registered...
To provide money for the exchequer
Congrats, you are now a tax collector, working for free
If you’re making purchases in the business, you’re probably better off not using flat rate vat as you can claim that vat back | 0.013523 | 0.015226 |
jitnv8 | Casual vs Part Time employment | My ColesWorth employer has offered me a 10 hour part time contract, I've worked there for a year averaging 20 hours a week. Benefits I guess include sick leave and annual leave (how much will I really be able to get only working 20 hrs a week?) and the big negative is going down 25% in pay. I'd like to be there longte... | -0.054667 | 0.006154 | AusFinance | I used to work at ColesWorth and was in a similar situation to you. I'd worked as a casual for 2 years before they offered me a part time contract for 12 hours a week which I accepted.
I'm glad I did and recommend you do the same. Yes you lose your casual loading, but having annual and sick leave is a nice trade-off. ... | 0.009072 | 0.015226 |
qk907b | Where to invest my kids money? | Hi, I’m trying to find the best place to put my kids savings. I have 3 little cherubs 9, 6 & 4yrs old. I currently invest £25 a month in junior cash ISAs for each of them and get 2% interest approx. I’ve done this since birth for all 3 so they each have a few £000s now.
I think the money would be better invested i... | 0.215189 | 0.004069 | UKPersonalFinance | I recently did the same and moved my kids ISAs to Fidelity. The transfer was quick and they say they don't charge a service fee on the junior ISAs. Still pay fund fees I would think. World index seems a good cheap tracker too.
I contrib £25 a month there too. | 0.011156 | 0.015225 |
t76yhn | Is getting health insurance worth it? | I am 24, was thinking of starting therapy but I honestly don't think I can afford to be paying £160+ monthly. Then I looked into health insurance and apparently some of them cover mental health as well as gym. I got a quote of around £70 a month for one. Which is quite a lot but I am already paying £20 a month for my g... | 0.215189 | 0.004069 | UKPersonalFinance | £160 per month for therapy is incredibly cheap. Assuming weekly sessions.
I'd snap their arm of if they seem like the right therapist for you!
If you went the insurance route you'd just need to carefully check the T&CS and exclusions and make sure that you can instantly go the therapy route. And what the waiting ... | 0.011156 | 0.015225 |
s5gmwz | First time doing taxes - it is impossible to get an accountant | I don't really know what I'm doing and I have to submit taxes for a sole trader and also my cryptocurrency investments. I don't know what date to start calculating taxes from and have a ton of specific questions about how to calculate crypto tax.
I also don't actually know how exactly to submit taxes. Like do I need t... | 0.215189 | 0.004069 | UKPersonalFinance | Hi OP, firstly I am sorry you’ve had these issues.
A couple of recommendations/points:
You should have signed an engagement letter with any firm before handing over money. This will set out their and your responsibilities (basically a contract). Did either of these firms issue you with an engagement letter?
Second ... | 0.011156 | 0.015225 |
d02yxm | Housing prices - should I panic? | I'm nearing the end of my mortgage fixed rate period, and so was checking out remortgage deals - however when I looked on Zoopla my flat has gone down in value (134k to 128k in 2 years!!), which kinda made me panic a bit.
I bought the place because it's near one of the better colleges in Manchester (and thus should c... | 0.215189 | 0.004069 | UKPersonalFinance | Don't worry.
The key is having enough equity (value less mortgage) and earnings to satisfy the mortgage multiples. Sounds unlikely that a 6k depreciation, if there even is one, will cause you trouble.
- Zoopla estimates are only estimates and not reliable.
- Ignoring that for a moment and assuming your flat really h... | 0.011156 | 0.015225 |
r9jvjj | Transfer 45K Euros from Portugal to UK! | Hi there,
I have around 45K Euros from my Portuguese bank account and would like to transfer it to one my British bank Accounts.
What is the best exchange, cheapest and quickest way I can do this?
I have an account with Revolut and high Street traditional Bank.
Many thanks
Ps: would like to convert the Euros in... | 0.215189 | 0.004069 | UKPersonalFinance | I use Revolut Premium to convert EUR to GBP monthly - free Revolut has a limit on fee-free exchanges, while the Revolut Premium monthly fee is still cheaper than what I would lose on other exchanges. Live example:
45k EUR via Wise - £38,306.27
45k EUR via Rev Premium - £38,445.66 + Premium @ £6.99 a month
Even if yo... | 0.011156 | 0.015225 |
4mnwlk | Hi, not sure if you saw, but I'm that anti-poaching pilot in Central Africa that recently had an issue with M$. Some kind folks donated BTC to us (we were just curious to try), but now we need some advice (being in the bush) on how to use them.. | [This is the original AMA post I referred to](http://redd.it/4mirin)...
Basically, if it's not possible for us to turn this into donated money.. perhaps we could use it to help buy supplies online. I know I'll probably be lambasted for not performing the due diligence and research myself.. but things are very he... | 2.022849 | 0.013271 | Bitcoin | " we said that we'll paint people's names on the plane and do other stuff for certain amounts. Since this is anonymous."
I believe this is the most popular symbol for Bitcoin so it would be great if you could paint that on the plane!
https://www.google.com/search?q=bitcoin+symbol&espv=2&biw=1366&bih=667&a... | 0.001955 | 0.015225 |
9mz5yh | Entire company salary disclosure | I had to review a report at work yesterday and needed an employee list from HR. I requested a report with employee names, department, and manager. HR sent me an Excel spreadsheet back with those three fields as the headers for three columns.
So I highlighted those fields and copied and pasted them into another Excel... | 0.467083 | 0.004652 | personalfinance | Something similar happened to me at my old job, I found a budget in a shared drive that had all of our salaries from present to 7 years earlier. It promopted me to ask for a raise, get denied, move to another company and ask for more money there, which I got. I am not sure I would have asked for as much at the new comp... | 0.010574 | 0.015225 |
qv9j4t | A German ape told us in a different sub that CS doesn't charge for express delivery anymore. CS said: Gamestop is gonna waive the fee because regular mail just takes too long. Any similar experiences? | Bullish on express delivery. German ape here myself and I am awaiting my first letter this week, maybe next week. It would be great news for international apes. OP for the news on our spielstopp-sub is [u/ItsMe-Steve](https://www.reddit.com/user/ItsMe-Steve/)
Can anyone else confirm this message from ComputerShare?... | 0.159239 | 0.014185 | Superstonk | their post stated that **Gamestop** decided to pay the expedited shipping fees
not the courier, not Computershare. **Gamestop** decided to pay the fee, in order to make DRSing faster for international apes
why would they do this if not to support their shareholders in DRSing?
DRS is the way | 0.00104 | 0.015225 |
u9z6pw | Salary comparison, UK vs Canada | Hi all,
I live in Cambridge and make £55k working as an applied scientist in energy. I work in a relatively small company and like working there. There is a possibility that I might get an offer to work in a very big tech company. The job would be based in Vancouver.
I know that salaries in the US and Canada are exo... | 0.449255 | 0.006435 | UKPersonalFinance | I want to offer another point of view - if by “big tech” you mean FAANG (IIRC, both Amazon and Microsoft have a presence in Vancouver), have you considered looking at positions in this company based in London/Cambridge?
150k CAD is about 90k GBP. This is definitely achievable in these types of companies as a scientist... | 0.00879 | 0.015225 |
bkkl6w | I paid off my students loans by becoming a paid surrogate | (Note: this is in the US where paid surrogacy is legal.)
One year ago, I made the decision to be a surrogate for a lovely couple in New York to help pay off my student loans from grad school and start saving up for a home. I'm a single mother in my 30s with a child of my own living in North Carolina. I really wanted ... | 0.017737 | 0.007437 | povertyfinance | I've always been interested in this, but mostly because I DO NOT want kids of my own but would be interested in experiencing pregnancy. The whole not wanting or having kids thing excludes me from it, which is totally logical but mildly frustrating.
Anyways, super glad it's working out for you and the couple, it's an i... | 0.007787 | 0.015224 |
rq75i2 | The Best Ways to Earn Crypto and Money Online For College Students | I have been in crypto since the beginning of 2021. I'm aware this is not a very long time so I thought instead of giving investment advice, I would share how I earn and buy crypto. As we all know, college isn't cheap and I use many popular methods among this sub to earn and buy crypto but I also think I have found some... | 1.032247 | 0.014289 | CryptoCurrency | I play Coinhuntworld and use brave browser also in Canada I use Shakepay you shake your phone once a day and you get about 50 cents a day of BTC It not much but its you just need to log on. After opening an account with minimum 100 dollar deposit | 0.000935 | 0.015224 |
mlg4ob | Buying calls on the SQQQ to hedge against a recession/crash? | I'm contemplating the following play...
**10** call contracts of SQQQ at **1.02** with a strike of **40**, expiring **Jan 21, 2022**
$1020 play with potential hundreds-x / thousand-x return in the case of a steep crash.
​
I'm still learning, so tell me why this is a bad play, because I'm not seeing it.
... | 0.822381 | 0.007368 | options | It's an inverse ETF so you have to factor in decay. If QQQ/TQQQ increase by 1% every day from now until next January, then dip 25%, in general, the inverse would occur with SQQQ. A 25% increase in $5 isnt the same as a 25% increase in $10, it's much less.. Perhaps you could just purchase puts on QQQ or TQQQ? | 0.007856 | 0.015224 |
8dutxt | Probably relevant for the UK as well: 39% of 18-34 y.o.’s Overspend to keep up with Friends |
Article: https://www.creditkarma.com/insights/i/fomo-spending-affects-one-in-four-millennials/#editorialnote
Methodology:
Online survey of 1,045 U.S. consumers between the ages of 18 and 34 during February and March 2018.
Avg Debt Calculation = Total debt across U.S. 18-34 y.o. members of Credit Karma (CK) for Marc... | 0.917386 | 0.011167 | UKPersonalFinance | I feel as if a lot of this is owing to cars. I'm always amazed by the countless brand new expensive cars being driven around by young people these days. But they're all pricey leases taken out to try and impress friends and strangers. This new age of "affordable" leasing for luxury/desirable cars is eating a huge chunk... | 0.004057 | 0.015224 |
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Lists unique subreddits in the dataset, providing a basic overview of the data's scope.