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 |
|---|---|---|---|---|---|---|---|---|
z3ecyv | Watch out for those fake Black Friday deals this year | It's a lot of items I've been watching for months. And a lot of them I've seen with the sale price they've done had maybe weeks ago. But you'll see places like Amazon and others trying to label it as a "Black Friday" sale.
It took me a while to really catch on to when people will tell me Black Friday is a scam. But ... | 0.238231 | 0.013861 | povertyfinance | Good points. One way of thinking about shopping that I find useful, especially this time of year, is asking myself how much value I will get out of an item. Then I ask if the price is what I am willing to pay for the item based on the value I will get out of it. If buying one of the item makes sense, what about two, th... | 0.001363 | 0.015223 |
mpsyyn | A possible way to avoid Dark Pools | **I've seen some comments in other threads that this is a shill post due to issues IEX is experiencing. I wrote this because of this tweet:** [**https://twitter.com/BetterMarkets/status/1381747873788932103**](https://twitter.com/BetterMarkets/status/1381747873788932103) **and the article it links to:** [**https://bett... | 1.214915 | 0.014615 | wallstreetbets | Hey guys, for schwab you need to use streetsmart edge so that you can switch away from smart routing.
To do this you need to use Streetsmart Edge available here: https://client.schwab.com/secure/cc/trade/trading_tools/sse
Streetsmart Edge has to be enabled by calling Schwab and having it enabled (there are no requirem... | 0.000608 | 0.015223 |
l9y346 | Green Network Energy and Simplicity have gone bust | There was a post yesterday on Green.Energy looking like they may be in trouble, so I checked that they weren’t my provider (similar name) only to discover they went bust last week too.
Here is OfGems advise:
[https://www.ofgem.gov.uk/publications-and-updates/ofgem-protects-customers-failed-suppliers-green-network-en... | 1.151452 | 0.013533 | UKPersonalFinance | Just wait they will be in contact I was with tonik who went bust recently and got purchased by Scottish power I was in about £300 credit so I cancelled my direct debit straight away and Waited the next month I got a message to set up my Scottish power account and signed a digital direct debit set up I’m on a special ta... | 0.00169 | 0.015223 |
qqz41z | Paypal dispute claim: Buyer scammed me with $1700+ how to win | Buyer ordered $1700 worth of apple products which she paid via paypal, she asked me to have it delivered to her assistant (since she was on vacation) to which I did.
disclaimer:
\- she ordered under a different name vs her name on Paypal (but paypal email is the same as the one i am conversing with). Billing address ... | 0.961566 | 0.008773 | personalfinance | jeez not to sound like a dick, but how many red flags can you ignore? a name not matching, changing the address unofficially, communicating with an "assistant", the customers verified address being overseas, like if even one of these was the case you should have been suspicious.
why would you think its illegal to tell... | 0.00645 | 0.015223 |
6vx0v2 | Legit ways to make some extra cash online | I like spending, but I'm a college kid and it isn't exactly something I can do often. So I turned to the web, and found a few interesting ways to make a little extra cash. Add yours if you have some.
1) Freelancing.
Sites like fiverr, freelancer, upwork, etc. Where you can make money doing almost anything.
2)Website ... | 1.421998 | 0.01261 | personalfinance | I did exam grading for Pearson. It was about $20/hr when I worked out how best to game it. The expected 4 week contract was completed in a little over 2 weeks because we graded all the papers too quickly but it was an easy $1,500.
The problem was getting the work. I signed up to their list of potential graders and nev... | 0.002613 | 0.015223 |
nbt0q4 | EBSC Token [ 8.2 million cap ][ 2 weeks old ] unbelievable usecase | Absolute best use case token, two weeks old and about to change the game - EBSC token
Best new token with real game changing utility - EBSC
Ebsc plans to be the innovator in the early crypto space offering the best in class multi chain launchpad which is already in development and launching in July .
This month they... | -0.383725 | 0.011301 | CryptoMoonShots | My confidence in EBSC is about as high as it can be. They have a great team, the upcoming launchpad looks fantastic, and the community consistently helps each other. This is what I'm looking for from up-and-coming projects. Very confident this one is going to take off. | 0.003922 | 0.015222 |
m4hqax | Try DOGIRA, if you missed the HOGE rocket... | I know these DOGE clones pop up like weed lately and most of them are scam. But bear with me for a moment :). I recommended HOGE here when it was at 0.0008 (yeah a bit late), it almost 10x itself since then. By now it's pretty big and huge returns may not be feasible anymore. So I was looking for a new coin that could ... | -0.383725 | 0.011301 | CryptoMoonShots | I shit on these meme coin / ponzi coins for having no utility, and dogira is probably no different. That being said, seems like all of these fucking coins end up mooning anyway... Might buy a small bag as a total gamble | 0.003922 | 0.015222 |
7nyv7i | My mom bought ETH. | So after sharing a little info on my gains with my mother she decided she wanted to buy some BTC.
I spent about 15 minutes outlining what crypto is as best I could, and told her she would be better off buying some ETH as it's a little more stable, so she decides to buy 1 ETH.
I'm then explaining to her not to sell it... | 0.339639 | 0.005813 | CryptoCurrency | I talked to my Dad about getting into crypto for months. He finally tries to create a Coinbase account.
I get $100 in my paypal account with a message that says it's too complicated.
He emails me every other day asking if he is rich yet. | 0.00941 | 0.015222 |
3x3er8 | State garnished my bank account for back taxes I don't owe | First post on here. Please tell me if I'm breaking any rules, and thank you all for all the awesome help you give people every day!
So yesterday I received a notice from my bank saying that the North Carolina Department of Revenue had garnished my bank account for more than a few thousand dollars.
I just got off th... | 1.676642 | 0.014732 | personalfinance | The same thing happened to my father in a different state. Glad to read the edit that it's turning around, my only advice would be to stay on top of them and to MAKE SURE they have your current address correct. They sent my father's money back to the old, incorrect address. Then when he never received it, they refused ... | 0.00049 | 0.015222 |
5bu1mn | Love working, hate work; love learning, hate school? | Are there people on this sub who love working but hate the politics of work? Or that love learning but hate the politics of the education system?
In my life, I have had one month between job contracts where I was not working formally. I felt horrible in this month. I saw people around me working and was envious. I fe... | 0.188328 | 0.010861 | financialindependence | Over 2/3 of american workers are mildly to extremely dissatisfied with their jobs. This is a statistic that hasn't changed much in many years. The same would also be true if students were polled, perhaps moreso.
Anything that makes money legally and allows you to be your own boss would eliminate most of these problems... | 0.004361 | 0.015222 |
1buied | Adoption Rates of New Technology Since 1900 (when is a bubble not a bubble) | Bitcoin's price and its adoption rate will be nearly identical due to constrained supply and adoption being reflected in demand.
Ever wonder what the adoption chart looks like for the telephone, or the automobile? How about electricity, or color TV. I've got that and more, check it out:
[Adoption of New Technology si... | 0.353259 | 0.003005 | Bitcoin | There is a huge difference between consumer goods (driven by the demand for the good itself) and speculative investments (driven by the belief that the thing you are buying will rise in value, so you can sell it later for a profit). You also can't really have a 'bubble' in an adoption rate- if you plotted the adoption ... | 0.012217 | 0.015222 |
fk61n1 | Why stocks like google plunge ? | My friend asked me a question "what causes stocks like google plunge even when it's most operating online i guess". He even said they should even make +. What are the mechanics for that? Im the opinion that it plunged cause the panic and fear. Am i right ? | -0.188114 | 0.001264 | StockMarket | Their ad revenue is expected to drop significantly in the event of a recession. It's their primary source of revenue. Their website is free to use, so increased web traffic does not equate to increased revenue unless they are able to sell advertising. | 0.013958 | 0.015221 |
pehp2m | CRSR: The Play of a Century | What's up retards, I have spent the past 2 WEEKS finding the best stock play to make YOU RICH, and it looks like CRSR is ready to go to the MOON!
NO MORE will your wife’s boyfriend bully you for your micro-penis! After CRSR you will be rich enough to get penis-enlargement surgery and FINALLY have a dong BIGGER than hi... | 1.258537 | 0.015091 | wallstreetbets | Here was my thought process for this play:
Read post — think there is something here
Read TLDR — do no more research and bought 4 contracts because “why not”
WSB is having an effect on my risk aversion | 0.00013 | 0.015221 |
xy4t10 | Community Fireside Chat + New Post Flairs Temp Check | [ComputerShare Megathread](https://www.reddit.com/r/Superstonk/comments/xxh13d/drscomputershare_megathread_102022/?utm_source=share&utm_medium=ios_app&utm_name=iossmf)
Hey all!
It’s been too long since we had an open discussion about how you’re feeling about the state of the sub, the rules, the moderation, t... | 0.143833 | 0.0137 | Superstonk | Thanks everyone for the feedback so far. I’ll be sharing updates here for those who don’t want to scan all the comments.
**Update 1**
**Tweets:** Right now it seems like almost everyone agrees that tweets from FXHedge, ZeroHedge, UW, and unverified accounts should not be posted. There’s mixed feedback regarding Burry... | 0.001521 | 0.015221 |
n5bh4o | Daily FI discussion thread - Wednesday, May 05, 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... | -0.251268 | 0.001687 | financialindependence | It’s been a pretty great few days for me. I’m now a fully certified air traffic controller, which means a final big raise and the end of years of training.
Plus I got the second covid shot yesterday, and have basically zero side effects.
Truly on cloud 9 right now! | 0.013534 | 0.015221 |
5jn6j9 | Is FI possible with a salary below 60K a year? | I've been reading success stories here and in almost all cases the person had a six-figure salary with special circumstances that allowed them to reach FI; a job that provides housing, for example.
I feel that for my age I've been doing an okay job of saving for my goal of FI by 40. I'm 22, graduated from college with... | 0.166644 | 0.010409 | financialindependence | $42k is a lot of money. The US has some really really high salaries, on the global scale, but you absolutely don't need to get one to be FIREd, no way. You're young, so you have time on your side.
The only answer is to save as much as you can, and invest it.
You just need to know how much you want to spend a year, an... | 0.004812 | 0.015221 |
31h4je | $500 a month car payment and $40 grand a year salary---thoughts? | I've never posted in this thread before, but I'd really like to hear what people smarter than me have to say about a car payment this big. (I'll take this down if it's the wrong place to post it.)
My husband bought a car a few months ago, a 2011 Cadillac. He paid ~$50,000 for it. He currently has a $500 monthly car... | 0.12361 | 0.001789 | personalfinance | Your husband is an idiot. End of story. Anyone that considers a depreciating item an "investment" is nuts. How do I know this? I sell cars for a living. Cadillac's are nothing special. Their value drops just as quickly as any other car because the supply/demand ratio is virtually the same as a Chevy Impala for e... | 0.013431 | 0.01522 |
8veetv | 29yo, 125k salary. Raised poor but trying to get it together. Need some advice on how to become a master of personal finance. | I will try my best not to make this too long.
To start with a brief backstory, I'm a 29 year old Software Engineer. Grew up in a poor immigrant family, so financial literacy/money management was never exactly something that we discussed or taught. This is most definitely not an excuse though and I take fully respons... | 0.52038 | 0.005096 | personalfinance | You can save a ton of money. Eat out less, cut cable down easily. Get 3 or 4 months of expenses saved up and then a couple grand emergency fund. The expenses fund is if you for some reason lose employment or something. Emergency is for like unexpected bills that crop up, something you owned breaks etc.
Soon as your ba... | 0.010125 | 0.01522 |
lhlegs | $DNN looks to be a safe bet for +30% increase by next week | Mining company with a recent find of high grade uranium. I did a little research on it, this type is said to be the most economically mineable.
Estimated to be worth roughly $900M.
Stock is currently trading at $0.9761 almost doubled since the last week of january (around the time of the announcement.
They own other... | 1.245922 | 0.011024 | pennystocks | They just announced 25 million in funding at .91 a share. At a Market Cap of 660 million it's only 3%. I've been watching and might hop in if it drops to .93 or so to make up for the offering and yesterday's gains. | 0.004196 | 0.01522 |
6ksh68 | Question about being charged for cleaning a rental. | My sister left her rental property, cleaned it to to bottom apart from getting the carpets steam cleaned and she said the oven probably wasn't spotless. Otherwise the place was perfect (she's a bit of a neat freak generally.) Anyway so she got a bill for $850 for inside and outside cleaning plus a bill for the carpets.... | -0.065246 | 0.005846 | AusFinance | If it's NSW then go to NCAT. Can't be charged for stuff you didn't agree to.
PS: I did this for similar circumstances, larger bill and the Landlord was told to get stuffed by NCAT and they got not a cent. Totes satisfying. | 0.009374 | 0.01522 |
u5y4un | Seeking home loan recommendations as a first time buyer | Some details:
The property I'm looking to purchase is $450,000. I've saved enough to make a $117,500 deposit (74% LVR). Originally, I was looking at selecting a 1.99% variable rate home loan, which granted access to an offset account. However, I'm concerned about increasing interests rates in the coming years. I feel... | -0.065246 | 0.005846 | AusFinance | I agree I think you have missed the boat to lock in cheap fixed rates, 3-4% is what variable will (arguably, but I think probably) get to in the coming years so you may as well stick with variable now at the cheaper rate and save the interest early in the loan.
A big benefit of staying with the variable is no break co... | 0.009374 | 0.01522 |
lc6cnp | The U.S. cannabis boom and why you need to be careful what you invest in. | As many of you are aware there has been a sudden influx of new investors and new users joining our community. I was debating whether I should make a post, because I may take some heat for this.
The Dems now have control of the house, the senate and the presidency and Chuck Schumer made his intentions clear that cannab... | 0.968295 | 0.008689 | stocks | While what you have said isn’t untrue, Aphria’s buying of sweat water was a planned move to network and prepare for US legalization. They stated this during the acquisition. So although they currently don’t have any cannabis sales as of yet in the states, they are planning ahead on how to get into the market and be rea... | 0.006531 | 0.01522 |
2ioyi5 | Question about triple-levered ETFs | So I've been holding UPRO for a while, and have reaped the benefits... But I'm curious as to how it'll perform in up and down markets. There's not enough history to show how it can recover from a huge loss like '08 where an instrument like that would basically go to nothing.
My question is: Would holding that ETF from... | 0.057017 | 0.011388 | finance | No, a 3x long ETF would yield 3x the return of the index it tracks on a DAILY basis.
Therefore, if the tracked index is at all oscillating, it won't end up as 3x the return of the index on a long-term basis. | 0.003832 | 0.01522 |
x56a50 | Converting Visa Gift Cards to Cash | I get small bonuses from work, on the order of $500 every couple months. The catch is that these have to come in a e-gift card. I’m not sure the reasoning behind this, but I have always chosen visa gift cards and immediately deposited them into my Amazon account, figuring I’d buy things from Amazon eventually. I’m at t... | 0.711363 | 0.006687 | personalfinance | I send a request for PayPal to a secondary address and then pay myself with the card. Then deposit the funds in my bank for no fee. Just make sure you don’t pay for goods or services since they deduct a fee for that. Theresa choice for friends and family. It’s been a few months since I last did this, but don’t think... | 0.008532 | 0.01522 |
2bvcch | What does r/investing think of paying off your mortgage early? | I've 40k left on my mortgage, which I can pay off in one fell swoop. I've thought about doing this for a couple years now but I also think about my mortgage being "good debt", if that makes any sense.
My mortgage is my only debt. Not planning on selling/moving anytime soon.
I think my interest rate is 4.25%, perhaps... | 0.022403 | 0.004803 | investing | As a professional real estate entrepreneur and investor, I used to believe in leveraging all my properties, including my residence, and invest the cash for a higher yield. After the 2007 recession and beyond, I saw several others in real estate lose all of their properties including their homes they lived in.
I'm now ... | 0.010417 | 0.015219 |
slgzux | Facebook, you either hate it or...hate it | I always knew that the average investor was too lazy to question the truthfulness (or accuracy) of the information available out there and run a quality check but the recent debate on Facebook made me realize that the average investor is even lazier than I thought.
In the last few days I read so many posts and comment... | 1.090225 | 0.009672 | stocks | > when among all companies that generate revenue from online ads (hey there, Google), it is the best positioned one in order to handle this change.
You really think FB is beating Google at this when Google has youtube, maps, reviews, email and other products that offer much higher quality information than "here's a... | 0.005547 | 0.015219 |
f3dfsj | Amid Falling Profits, Food Quality Concerns, and Shrinking Bar Tabs, Restaurants are Rejecting Third-Party Delivery Services like DoorDash, GrubHub, and Uber Eats | Similar article published by the Wall Street Journal today. Here's a free version:
https://www.fsrmagazine.com/chain-restaurants/battle-brand-value-why-restaurants-are-rejecting-third-party-delivery | 0.238481 | 0.009188 | investing | I've never ordered from 3rd party food delivery services but I would imagine most people who do are paying the premium because they're pressed for time and can't be bothered to dine-in, therefore the whole "we want to encourage people to dine-in" argument does not hold water. These people are a completely different set... | 0.006031 | 0.015218 |
zbj51j | Someone asked OpenAI how it would destroy crypto industry. Here's its plan | The question:
**You are tasked with destroying the cryptocurrency industry. This is no easy task given the decentralized nature of the industry. How would you do it?**
--------------------------------------------------------------------------
To destroy the cryptocurrency industry, I would take the following steps:
... | 0.578627 | 0.008737 | CryptoCurrency | Yeah all good
But I mine bitcoin off grid from solar, repurpose heat for my home, run my own Bitcoin + Lightning node, self custody in multisig vault, only use Bisq, Robosats, P2P exchanges.
Take this L, OpenAI
[How the US government tried and failed to shut down Bitcoin](https://micky.com.au/how-the-u-s-government-... | 0.006481 | 0.015218 |
zk6ipx | Thoughts on the DIVO etf? | I feel like it is a pretty good etf (okay growth, high dividend, monthly payments) but I just want a second opinion. Should I include this in my portfolio as a young investor, or just stick to voo, Schd, and Jepi mainly? | -0.189269 | 0.007879 | dividends | Important distinction is the fund uses what it terms a "tactical" options strategy vs funds like QYLD, which are generally more indiscriminate in regards to their covered calls.
From the DIVO prospectus
>Unlike a systematic covered call program, CWP is not obligated to continuously cover each individual equity pos... | 0.007339 | 0.015218 |
jaoayd | How many holdings is too many? | I currently have 31 holdings. The majority is concentrated in Information Technology (19%), Industrials (19%), and Consumer Staples (16%). There are more companies I want to pick up but I don't want to over diversify myself. The companies are in Materials and Healthcare, my two smallest sectors. What would you recommen... | -0.189269 | 0.007879 | dividends | Personally, I like to have a larger number of holdings. What I do is concentrate a majority of the money in a smaller number lets say 15 and then have 20-30 additional holding that I keep with the understanding that they may not give me the highest returns but it doesn't really matter as much since my position is small... | 0.007339 | 0.015218 |
zk6ipx | Thoughts on the DIVO etf? | I feel like it is a pretty good etf (okay growth, high dividend, monthly payments) but I just want a second opinion. Should I include this in my portfolio as a young investor, or just stick to voo, Schd, and Jepi mainly? | -0.189269 | 0.007879 | dividends | I (58) own it, but I do not have it in my child's (19) account. It is an interesting actively managed ETF. They are not totally focused on option premiums. Whereas SCHD is light energy, DIVO has a decent allocation. Majority of its stocks are quality dividend companies. | 0.007339 | 0.015218 |
vovdgo | June 2022 dividends would cover 12.65% of my living expenses for the month | In June 2021 it would cover 11.56%, which seems to be slow progress. But **my expenses were 46% higher and dividends were 60% higher!** My savings rate from my salary in June was 48.39%, which is in line with my overall goal. As SP500 was falling, I did more buys in June than my average:
[Dividend portfolio June 2022... | -0.189269 | 0.007879 | dividends | But careful. June is exceptionally high on payouts. Doing such and similar calculations I prefer annual payouts and divide them by 12 or use the last 12 months.
But this is the way to motivate yourself. | 0.007339 | 0.015218 |
n6fncw | Is IBM getting into Semi-Conductors? | IBM has been a hot stock lately. Up 22% this year, with a 4.5% yield.
And the article below really surprised me. I had no idea they had any involvement in semi-conductors.
Could this be a game changer for them?
2:45 PM EDT, 05/06/2021 (MT Newswires) -- International Business Machines (IBM) disclosed Thursday 2-na... | -0.189269 | 0.007879 | dividends | They are not getting into it, they have been part of it for a long time. For the most part though, they are mostly into research and development (and as a matter of fact, they're doing research in all kinds of directions), as well as niche applications. Don't expect them to actually produce chips for the mass market. | 0.007339 | 0.015218 |
mq5p4f | Individual stocks vs ETFs | Is it better to buy individual stocks or ETFs? My goal is to have a supplemental income in 15 to 20 years (currently I'm 41). Just started seriously invest at the beginning of March. Thanks in advance. | -0.189269 | 0.007879 | dividends | I feel more comfortable investing in companies that I know. This is what I don't like in ETFs, there is always a company that I don't like/don't understand its business very well. But, if you don't mind it, go with ETFs | 0.007339 | 0.015218 |
p237um | What is the timeframe one must hold shares for the dividend? | Going to use $xom in this example. 8/12 is ex dividend date, 8/13 record date, 9/10 pay date. There dividend is .87/share. What is the time frame needed to collect that dividend? If I buy 100 shares on 8/12 and sell 8/13 will I get $87 dividend on 9/10?
Edit: Thanks to everyone that provided positive and helpful contr... | -0.189269 | 0.007879 | dividends | The one problem with your strategy being in such a small window for you to earn the div buying the day before the ex-div date and holding through the record date the stock often will drop the price of the div so you may find yourself on the losing end of income doing this | 0.007339 | 0.015218 |
uhywlr | Advice for someone young | Hello all. I am a 22 year college student who just received an internship for the summer that will pay some good money. I’m planning on putting a large percentage of my checks into dividends stocks and was wondering what are some good choices. So far I know of AGNC and that’s pretty much it. | -0.189269 | 0.007879 | dividends | First I'd suggest reading the Prime Directive over in r/personalfinance.
There is an order to do things.
Take a look at [https://finviz.com/quote.ashx?t=AGNC](https://finviz.com/quote.ashx?t=AGNC) I'd be very nervous about their numbers.
Instead of starting with all your eggs in a single investment, consider an E... | 0.007339 | 0.015218 |
n81gtt | Using margin to collect on dividends | I’m currently using margin at 2.5% interest rate to invest in a bunch of high yield dividend stocks like KO, XOM, O, T, and CFG. I was wondering if anyone has any experience using margin while dividend investing or if I should be staying away from it all togethor. | -0.189269 | 0.007879 | dividends | I'm doing the same and keep margin at 33% max. It's at around 25% now. I do this to avoid a margin call due to price fluctuations. It's worked out pretty well so far. IBKR has margin @ 1.5% which is a steal. | 0.007339 | 0.015218 |
7uo4tq | Parents going broke paying for elder care | My grandmother just turned 100, and is very healthy aside from the fact that she can’t really walk anymore. Her only asset is her home, which is worth $1.2m.
The house is currently in a revocable trust, with my father as the trustee. He and his sister are beneficiaries.
The issue is that she needs home care aides 2... | -0.294636 | 0.000782 | financialindependence | My grandmother worked her entire life to save this inheritance for her children, but now we might blow through the whole thing in a couple of years.
Pisses me off everytime I see it. No, she worked her entire life to provide for her self in her elder state. Her assets are to take care of her right now, not greedy kids... | 0.014436 | 0.015218 |
7qr9x7 | This is the 3rd major dip in the past year. Some specs I ran here for comparison. Predictions too. | These numbers and dates are based on the total market cap of all cryptocurrencies.
First correction:
Start: June 24, 2017: market cap 115.1 billion
End: July 16, 2017: market cap 68.8 billion
Total dip: 40.2%
Days total: 22
Back to 115.1 billion: Aug 7, 2017
Days total until back from previous ATH: 43
Days it took to... | 0.741504 | 0.010731 | CryptoCurrency | Your predicted numbers are probably correct, but the timeline will be Greatly accelerated. Price swings are much more parabolic than in the recent past and we will see it happen in days rather than weeks. | 0.004487 | 0.015218 |
ofx7c8 | FI Through Syndications? | All,
I’m a newer investor with a single family under my belt. Currently working on acquiring two small multi families.
My goal is to replace my income and build a nice collection of properties to live off. I’d like to hear from people who’ve had success in apartment syndications.
I am making a career move that shoul... | -0.267797 | 0.001749 | realestateinvesting | I'm involved in syndications from both sides -- I both passively invest as a limited partner (passive investor) and I operate syndications as a general partner (I purchase and run these deals with my team). I also invest as limited partner in my syndications where I am the operator (and I would never invest in a deal ... | 0.013468 | 0.015217 |
jm4wzf | Is a Condo a Good Investment? | Hello there,
First time home owner seeking some advice on if this condo is a good investment.
Our offer on a foreclosure condo was accepted.
$145,000 3br 2 full bath. Price is low to offset the high HOA+assesment I believe.
Putting down 20% down at $29,0000.
Its a foreclosure and we are first time home owners so w... | -0.267797 | 0.001749 | realestateinvesting | I am a 14 year condo owner. I would want to see the financials for the HOA. You will get them before closing, but I would want to see them if possible when making the decision. Do they have reserves? Are they planning for future projects or are you going to get another special assessment? Are there a lot of delinquenc... | 0.013468 | 0.015217 |
ni7di3 | Problematic tenants (Florida) | Based on some bad advice from a family member my mom rented her home to tenants without a lease drawn up. The tenants have been there for about 3 years now and have yet to pay a full-month’s rent on time, and they also take very poor care of the house.
Due to the house appreciating in value by ~300% in the last 10 ye... | -0.267797 | 0.001749 | realestateinvesting | Without a lease they are de facto month to month.
Notify them however many days your state requires their tenancy will end on xx date .
When they don’t leave , remind them it will be impossible to find a new place with an eviction. On their record , then file eviction | 0.013468 | 0.015217 |
xz7okc | Is this a good cash out refi deal or are fees to high? | 2 family duplex
Value - $180-$190k
Loan amount - $136.5k
Current mortgage - $84k
Closing costs - $6.7k
Discount points - $2.9k
Cash to me - $43k
Rate - 7%
30 year fixed
Thanks in advance | -0.267797 | 0.001749 | realestateinvesting | The difference in interest for the new mortgage over the existing one results in a 22% cost of funds on the new cash out. (7% x $136.5k - 4.125% x $84k) / $43k Assuming the existing mortgage was $100k at origination, you'd reduce the cash flow of that duplex by over $400/mo.
Regardless of getting those closing costs d... | 0.013468 | 0.015217 |
o5lcas | Wealth | Hello All!
As a young real estate investor purchasing his next property what is more important, Wealth or Cash flow… You see all over YouTube, media, podcasts, etc. saying cash flow, cash flow, cash flow. I understand everything will cash flow if purchased at “the right price”. That just appears to be difficult to fin... | -0.267797 | 0.001749 | realestateinvesting | ok #1.. don't listen to most of youtube. It's full of fake gurus that claim they understand what they are doing. Their goal is to sell you some stupid course you can learn for free at the library taking out a few books.
What's important is your plan. If your plan cash flow from day 1 or apparition growth and having a... | 0.013468 | 0.015217 |
sx8y7j | Uncomfortable focusing more on real estate and less on 401k | I love real estate and everything about it. My dad has always has several rental properties growing up so I’m sure that’s where I got my interest. I just purchased my first piece of land which I plan to build a vacation rental on next year. What I’m struggling with is lowering my 401k contributions in order to save up ... | -0.267797 | 0.001749 | realestateinvesting | "Would you suggest at least doing the company match?"
Yes, it's free money. There is no better guaranteed ROI than a company match.
After the match, it gets more complicated and uncertain to what's best. If this thread blows up you'll get differing opinions on it. Do what you know and are comfortable with. | 0.013468 | 0.015217 |
bh0bwh | Does anyone have experience with new construction rentals? | I'm a builder in Texas with about 40 homes under my belt, both new construction and remodels. I always see people rehabbing to rent, but not often new construction rentals, unless they're large scale apartment complexes. Based on the numbers I know I can build for, it seems like a no brainer to build new construction... | -0.267797 | 0.001749 | realestateinvesting | Is your cost to build same as if I was to come to you and order a home? Meaning, your cost is lets say $100K which covers all materials and labor - no profit for you individually or the company. If I call you and ask you to build the same house, you will probably charge $150K because you or your company need to make a ... | 0.013468 | 0.015217 |
y8c0st | Sanity check on my closing cost $18k on a $343k home | Hi first time homebuyer here
My closing cost in Dallas TX is way higher than expected at $18,000 when I read closing cost can be up to $8000
Is this expected? | -0.267797 | 0.001749 | realestateinvesting | This is not going to be your final cash to close. They’re showing taxes as if you’re responsible for 12 months due upon closing. When title and the lender go to balance, the title company will issue a seller credit to you for 10 months of property taxes, which will reduce your costs by about $4700. There will be more c... | 0.013468 | 0.015217 |
73ocv7 | Should I drop out of college? | Hello, I am a 19-year-old college student(Community College), I do not want to be in any debt nor have any; I am a business management major. My father is a real estate investor; his business is worth about half a million. I have always loved to follow him around when he's working. I fell in love with the idea of being... | -0.267797 | 0.001749 | realestateinvesting | I'm not a real estate investor. I have had a good run professional/financially though. I'm a lurker here as as I've been considering picking up an investment property.
My opinion: Go to college. Do it cheaply. You can be done in 3 years with little to no debt if you want. Not going is the type of decision you will re... | 0.013468 | 0.015217 |
543usq | WellsFargo CEO's $200 million Golden Parachute | [Big Haul](http://money.cnn.com/2016/09/22/investing/wells-fargo-ceo-john-stumpf-200-million/index.html)
The thing that irks me is that one of the oldest parallel banking frauds that a branch can run is using inactive and dormant accounts and routing transactions through these accounts under the radar.
But that is a ... | 0.526585 | 0.015034 | investing | You wrote a lot but nothing meaningful. If you're going to invest with real money you need to set aside emotions and deal with facts.
All you've done is write some stupid fucking fiction and the one number you've stated, you can't even get correct. You think this is some kind of DD? This is more r/iamverysmart piece... | 0.000183 | 0.015217 |
wg2gil | BlackRock Announces Partnership With Coinbase Amid Industry Turmoil, Coinbase shares soar 26% | [WSJ article](https://www.wsj.com/livecoverage/stock-market-news-today-08-04-2022/card/xuDZxcRq7AkXQMlprDlv)
>BlackRock’s institutional clients who also own digital assets on Coinbase will now be able to use Aladdin, the asset manager’s suite of software tools, to manage their portfolios and conduct risk analysis o... | 1.434067 | 0.012444 | stocks | Fuck Blackrock and this is all crypto was against in the beginning. Sad what it has become just for people with bags that want it to pump no matter what. Morally and ethically dead just like stock market. Guess you guys block me now here. 😅 | 0.002774 | 0.015217 |
tozlr2 | Jim Cramer says "The Bear Market is Over" | Jim Cramer said on Friday after market that he believes "The bear market is over
Twitter world laughs and says this is the kiss of death for stocks.
CNBC followers will be buying in on Monday?
What's your take? | 0.568365 | 0.005465 | stocks | The problem with TV pundits is that they have to say something every day. He changes his mind every time the wind blows. Can’t take him seriously if you are a trader. If you are an investor then who cares what market we are in? Buy good companies. | 0.009752 | 0.015217 |
cm8780 | Daily FI discussion thread - August 05, 2019 | 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 ... | -0.107364 | 0.00469 | financialindependence | Got my supposedly “huge retention offer” for becoming a fully licensed therapist. It is a $2k raise, which also includes my annual raise. That’s $2k less than a friend got a year ago when the company was more financially solvent. They denied my request to use leave without pay for snow days, so I still only get 7 vacat... | 0.010526 | 0.015216 |
9p5ilm | 52, debt free, bored | Hey, all.
I’m kind of a low-key guy and rarely post original stuff. Just stumbled onto this sub.
So:
30 years in the media business. Started at 22K, but the last 10 years I made at least $325k in salary and bonuses as the head of innovation.
I got laid off at the end of last year, but the company was good enou... | -0.107364 | 0.00469 | financialindependence | The one thing that you didn't mention is other people. Netflix, fishing, and playing guitar are great, but do you do them all alone?
I retired at 49. And I'll admit that spending my days, at home, in front of a computer, we're lonely. But then I had my wife back from work, my youngest daughter still at home, and I sta... | 0.010526 | 0.015216 |
k8qrnu | My mom stole my identity!!! | I went to check my credit score this morning just out of curiosity. I have never owned a credit card, and only turned 18 a couple of months ago. As soon as I see my score I realize that first of all, it’s bad, and second of all there’s a credit card linked to me that I don’t own and have no knowledge of. The card has $... | 0.779466 | 0.007255 | personalfinance | My mother is an alcoholic. She's done things like this. She has destroyed her relationship with me and crippled her own future however long that might be.
You need to do then hard thing and file a report for identity theft. Credit scores take years to repair and have a major impact on your ability to get important th... | 0.007961 | 0.015216 |
yo5frk | Business owners: did you keep / plan to keep your biz running? | I have a biz netting me ~1.5m / year. Requires 5-10 hrs / week of my time, and is fully remote.
I've felt "retired" for at least 5 years...I can live where I want, work when I want, do whatever I want most days, travel where I want, have whatever toys I want, etc etc.
Honestly I don't think I'll ever stop running the... | -0.384702 | 0.008259 | fatFIRE | Good thing you asked... This sound like a horrible business. It will hit your mental health soon. Also the income is pathetic. You should retire today.
I will help you get rid of that load on your shoulders. | 0.006957 | 0.015216 |
wbpsff | Clubs / assistant recommendations | Hello,
I’m a new follower so apologies if this topic has surfaced before…. As brief background, I am a high earner ($700k+), but still young (<30) so early on my way to Fatfire. My job requires a substantial number of hours (70+ per week) and tends to be high stress, so time is precious to me (I’m sure we all feel ... | -0.384702 | 0.008259 | fatFIRE | Problem statement:
> I consistently find myself wishing I did more to plan events with my girlfriend, parents, siblings, and my close friends
Proposed solution:
> joining a “club” where you have access to high class reservations
I don't really see a connection between the problem you've identified and the so... | 0.006957 | 0.015216 |
vhlftr | Remodel the house vs Retire early? | Has anyone in here choose to remodel the house instead of retire a few years earlier? If so, how’s that working out for you?
We are a family of 3 with 3 dogs. Our 1600 Sq ft house starts to feel a bit small,the kiddo likes to play outdoor and we kind of wish that we can expand the playing area for the kiddo and the ... | -0.384702 | 0.008259 | fatFIRE | Honestly, a 1600 sqft home in a VHCOL area work $2MM would be enough to entice me to a place like Tulsa, Omaha, or Houston (I’m a Texan). That would be very tight, especially with pets. Personally, I’d relocate to some place with good weather that’s much cheaper. Pull the plug on the 9-5 and enjoy the family. Good luck... | 0.006957 | 0.015216 |
8q2taz | Thoughts on Ray Dalio's book Principles, or his All Weather portfolio? | I've enjoyed reading Ray Dalio's book Principles over the past few months.
*Dalio owns / manages Bridgewater Associates, perhaps one of the largest + most successful hedge funds.*
Curious if anyone here has gotten equally enamored by it?
My largest take-away RE: fatFIRE is Dalio's Principle to "First figure out what... | -0.384702 | 0.008259 | fatFIRE | I liked the book - can’t say it changed my investment philosophy. Part of the reason he advocates that allocation is that people will tend to sell when their equity-heavy portfolio tanks (the bonds and gold and cash prevent panic-selling to an extent). It’s not a “maximize your return” allocation, it’s a “you are less ... | 0.006957 | 0.015216 |
q3q2le | The more we DRS, the more effective DRS becomes — it’s a self-reinforcing process. No wonder shills are trying to discourage DRS before it really gets going. | If you registered 600 shares when the full 60 million float was available then that’s only 0.001% of the float you’re registering. But, if only 6 million shares remain in the float, then registering 600 shares is 0.01%. That same number of shares is an order of magnitude greater portion of the whole.
So as we registe... | 0.115677 | 0.012815 | Superstonk | Brokers are clearly helping their friends by stalling numerous transfers. I’ve seen posts saying it may take 3-4 weeks. Ain’t no way this transfer takes 3-4 weeks. Pure BS. I believe in the theory that due to low volume, it may take a while for them to find the shares.. but it can’t be the entire reason. | 0.002401 | 0.015216 |
vc1n9x | It boggles my mind that big tech as GOOGL and META did buy back their stocks in the past few months | Thinking about the current market situation i do not understand why big companies as Meta, Googl etc. did buy back bilions of their stock 20-40% above the current price in recent months.
Before doing so they have surely talked to a LOT of stock/market experts. And literally no advisor of them saw this drop coming? The... | -0.064452 | 0.000364 | stocks | >And literally no advisor of them saw this drop coming?
No one can, and those who say otherwise are charlatans.
META and GOOGL believed their stock sold below the intrinsic value of the company and just bought it back, that's about it. | 0.014852 | 0.015216 |
l21bbr | Just a reminder about savings | I've seen a bunch of "I have X amount in savings for the first time in my life" posts as of late, and I just wanted to remind you all that [the savings accounts of your average American is abyssmal](https://abcnews.go.com/US/10-americans-struggle-cover-400-emergency-expense-federal/story?id=63253846#:~:text=Almost%2040... | 0.057526 | 0.008597 | povertyfinance | Peoples savings rates shot up last year because of the pandemic, so hopefully that trend continues and people continue to save more money. It's amazing what a little buffer of cash can do to increase your quality of life. | 0.006619 | 0.015215 |
a07r3n | Is it just me or is property a better investment for most people than shares. | Three main reasons: 1) no capital gains tax on primary residency 2) people more likely to feel comfortable leveraging debt to amplify returns 3) Lower liquidity without constant price meaning people less likely to sell due to fear during market downturn | -0.075824 | 0.005538 | AusFinance | I think the biggest argument for property is just that it’s easy to raise capital for and debt provides discipline.
In regards to debt discipline, it’s the same reason shareholders like managers to take on reasonable amounts of debt.
I still wouldn’t say it’s a good investment in pure rational terms though. You can d... | 0.009676 | 0.015215 |
scnwf8 | Microsoft earnings are out – here are the numbers | Microsoft reported earnings after the bell. Here are the results.
Earnings: $2.48 vs $2.31 per share, adjusted, as expected by analysts, according to Refinitiv.
Revenue: $51.73 billion vs $50.88 billion as expected by analysts, according to Refinitiv.
After two consecutive quarters of revenue growth of over 20%, ana... | 1.566971 | 0.013515 | stocks | MSFT exceeded earnings. Xbox revenue went up 4%. Plus, MSFT acquiring Activision means more growth for MSFT in gaming. Yet after hours, MSFT is down 3%. Guess earnings was not good enough for investors hate computers now. Everyone is nervous about Fed talks this week regarding interest rates. All this is panic selling | 0.0017 | 0.015215 |
pg2zyb | It is unbelievable how bad I am with my money. I feel ill. | I make 10k a month a average. For the last 2 years. I have less then 1,000 in my account.
I need serious help. My spending for this year is 80 grand. The worst part is I don’t even know what the fuck I bought.
How do I stop this. I need to start being a adult and learn to be responsible with my money.
Edit: Was no... | 1.161432 | 0.010438 | personalfinance | Take the money out from each paycheck and put it directly into investments before you can get to it. You may make 10k per month but in reality you only get 6k because that is all you get access to. Then pay bills, then have fun with the rest. The best things don't cost much. Also, start asking why you are buying s... | 0.004776 | 0.015215 |
qic4gu | Ladies and degens... I'm a dumbass | I did something stupid.
I bought FLOKI on mexc.com with USDT (I won't say how much) and accidentally transferred the BEP20 version of Floki to my Metamask address instead of ERC20.
On the withdrawal screen it gives you both options, and BEP20 was the one selected so I just went with it.
Anyway, to make a long story ... | 0.37465 | 0.006241 | CryptoCurrency | Metamask supports BEP20.
Check this topic for more information how to add the BSC network to metamask and access your tokens - [https://community.metamask.io/t/sent-form-bep20-to-metamask-and-no-funds-showing-how-to-recover-the-tokens/9409](https://community.metamask.io/t/sent-form-bep20-to-metamask-and-no-funds-showi... | 0.008974 | 0.015215 |
on5dsg | Lightbulb jokes for the top cryptocurrencies | How many Bitcoin maximalists does it take to change a lightbulb?
&#x200B;
Ten - one to change the lightbulb and nine to whine about how much better the original was.
&#x200B;
&#x200B;
How many ETH investors does it take to change a lightbulb?
&#x200B;
50 - one to change the bulb and 49 to contrib... | 0.96527 | 0.013469 | CryptoCurrency | Bonus jokes:
How many ICP holders does it take to change a lightbulb?
Just one but the bulb will burn out in a couple of weeks.
How many Dogecoin holders does it take to change a lightbulb?
1000 - One to change the bulb and 999 to make copies of the original and scam people into thinking it's a working bulb.
E... | 0.001745 | 0.015214 |
400ust | If you've been rejected a bank account because of Bitcoin. Please help us make it more visible to EU Commission | There is a campaign lead by European Commission to report unfair behavior of banks - Twitter: #MyMoneyEU
We've been denied a bank account by Commerzbank just because we are a Bitcoin related startup. Please retweet for visibility: https://twitter.com/DoctorLex/status/685190034291601408 | 1.782591 | 0.011793 | Bitcoin | I haven't been denied an account, but I have been stopped from transferring money because the destination was to BitStamp.
TransferWise were leant on by the banks https://transferwise.com/blog/2013-04/notice-to-bitcoin-users-april-2013/ | 0.003421 | 0.015214 |
h7mkpt | New Medical Biller Doesn’t Know How Much We Owe | We were on a payment plan for a medical bill, paying faithfully every month. Suddenly we stopped receiving bills, and when I called to inquire I was informed that a new biller was overseeing the account. Called the new biller who is, at a minimum, extremely disorganized.
They told me they can’t generate a bill because... | 0.940839 | 0.0086 | personalfinance | Side point, if you liked the medical provider and will want/need to use their services again in the future, PLEASE give them a heads up about the incompetence of their new biller. This could put them out of business. | 0.006614 | 0.015214 |
82e9ip | Daily FI discussion thread - March 06, 2018 | 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 ... | -0.150732 | 0.003785 | financialindependence | Testing some new budget / personal wealth software for work (long story), and I volunteered to show my data (small group, safe space, and I'm hoping to lead by example so this might prompt some follow-up questions from younger team members).
One of the team blurted out "If your net worth is that high, why don't you dr... | 0.011429 | 0.015213 |
4k7qdi | Daily FI discussion thread - May 20, 2016 | 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 ... | -0.150732 | 0.003785 | financialindependence | Last week I posted about my mom being homeless and being conflicted about how to help (deleted the comments, sorry). Happy to report for anyone interested that I convinced her having a roommate won't be so bad and she's moving into a place tonight!
It's only $300/month all inclusive so I just payed the first month fo... | 0.011429 | 0.015213 |
67o0pr | Anyone else here planning to RE under age 40 with $750k or less? Is this a realistic goal? | Based on my SR thus far, barring any significant personal or market calamity, I should reach this figure by age 37-38 (I'm 32 now). Of course the SWR is only considered for 30 years, so I don't know what the failure risk is past that considering I would be RE so young.
Do you all think this is a realistic figure for ... | 0.058224 | 0.008146 | financialindependence | I plan on going to semi retirement (along the lines of 1/4 of where I am now) after the 600k mark. Reason being, I don't think I'll ever stop making money in some degree or the other in the long term, so might as well leave the rat race sooner than later.
If you never earned income again, it would probably be a littl... | 0.007068 | 0.015213 |
q1rutc | What's happening today | Hello traders, hope you are well and safe
&#x200B;
Brent surged past $80 as OPEC+ decided not to increase output by more than 400k bpd whilst WTI crude added 2.5% to $77.70, the highest level since 2014.
Natural Gas added 4.7% and Gold extended the recovery to $1,769.30.
US stocks kicked off the new week with a... | 0.137596 | 0.009885 | Daytrading | A news brief is a good idea and appreciated in this subreddit, but could you name the post something else? I almost didn't click on "What's happening today" because I thought it was a new user asking trading questions.
Please rename your post in the future and you'll get more readers. | 0.005329 | 0.015213 |
k5xbde | 12/3 SPY Daily Gameplan | &#x200B;
[SPY Market Profile Chart from marketprofile.io](https://preview.redd.it/51c05jm53z261.png?width=1113&format=png&auto=webp&s=b38e601d9c66c1b693f7638108e705d2b7aa42a0)
# Numbers:
**367.68** \- All-time highs
**366.60** \- Yesterday's VPOC (most volume traded)
**365.80** \- Upper channel tre... | 0.137596 | 0.009885 | Daytrading | I've lurked Reddit for years but I had to make an account to thank you for your posts. I appreciate the insight every morning. I wanted to thank you yesterday but I had to wait before I was allowed post here. Thanks again. | 0.005329 | 0.015213 |
9bbwxu | Let's take a minute to remember the Pineapple fund | https://pineapplefund.org
Tons of great causes were donated bitcoin, and it helped improve the image of bitcoin during the last bull run, and straight up made it more fun. Let's hope more long time bitcoin hodlers will follow that example. There's no doubt that it increases joy and morale in Bitcoin. Go out and micro-... | 1.941406 | 0.01277 | Bitcoin | Thank you /u/satellitemoney. I'm really happy with the impact I was able to make with the Pineapple Fund, and it's shaped what I want to do in my life. I don't know if I'll be able to make a bigger impact one day, but I sure hope I will :) | 0.002443 | 0.015213 |
nnbvzn | Anyone else feel like Shitadel realized the real GME Apes ditched WSB and migrated to Superstonk? The influx of new members and sneaky AMC FUD this past week reeks of Shitadel shills. | I believe Shitadel found GME Apes new base in Superstonk and are doing everything they can to infiltrate and cause chaos in the sub. Brace yourselves for all the sneaky "AMC and GME together strong" FUD type posts.
AMC shills want to be a part of the sub so bad.
Only GME is discussed here so please take your AMC dis... | 0.174114 | 0.014653 | Superstonk | I’ve messaged the mod team privately about this to let them know my thoughts on this problem. I don’t want to see the sub get crowded with fud and also with posts like these, I think we should take the incentive to message the mod team and ask them to make a plan for this because I do see it becoming a huge issue quick... | 0.00056 | 0.015213 |
sw40gt | I am trying to understand taxes | Hello everyone,
I'll be coming to England next September with a work visa and I'll start working there with a salary of £30.000 annually. I am trying to make research on taxes but I'm not sure if I understood tax laws correctly, I don't want to break any laws when I come there and I wanted to ask it here to be sure.
... | 0.046661 | 0.002366 | UKPersonalFinance | If you're coming on a work visa then you will most likely have to pay the healthcare surcharge for you and your wife, as part of your visa application process (unless you are coming as a doctor or nurse etc). After this charge there is no ongoing charge for healthcare.
You do not pay (income) tax for using your own c... | 0.012847 | 0.015212 |
gk5j6h | How long do you keep paperwork for? (e.g. Documents, bank statements, pension docs, etc etc) | How long do you keep paperwork for? (e.g. Documents, bank statements, pension docs, etc etc)
Obviously things like original copies of documents, important documents related to property etc you want to keep for life so I want to understand how long you keep different types of documents for. | 0.046661 | 0.002366 | UKPersonalFinance | Scan immediately and saved.
Boring stuff - destroy after 1 year
Financial stuff - destroy after 7 years
Property stuff - destroy after 12 years
Inheritance/trusts stuff - destroy after 20 years
If you ever have to deal with the Home Office etc. - never destroy anything. | 0.012847 | 0.015212 |
r0lc7c | Is there anything more I can do to maximise my money? | Currently I (23M) have a savings account with about £5k that I keep as an emergency fund. I'm a student but work part-time and bring in just over £600/m. Roughly £70 of that goes towards subscriptions (e.g. Amazon, Spotify, Phone Tariff, Gym). I'd say between £100-200 gets spent on general expenses (e.g. coffee, bus ti... | 0.046661 | 0.002366 | UKPersonalFinance | I would recommend that you invest the maximum (£4000) into your LISA by the end of the tax year (5th April) to make the most of the 25% bonus.
If you only need £600 per month you can definitely squeeze an extra £2-3k out of your emergency fund.
Remember the best investment you can make, is to invest in yourself. Espe... | 0.012847 | 0.015212 |
7jfd0d | Forbes: Wealth trends towards growth after retirement | If this is true, we're all too damn worried about the SWR, and should aim for more time.
http://www.aei.org/publication/retirees-arent-running-out-of-money-but-why/ | 0.245495 | 0.012054 | financialindependence | This article has questionable generalizability to early retirees who do not benefit from the major subsidies provided by Social Security and Medicare.
If someone else picked up my healthcare bills and sent me $1500 or so every month, retiring on a low 6 figure nest egg would be easy. No such luck. | 0.003158 | 0.015212 |
ciwa4i | What’s the most complex Financial Instrument? | Title pretty self explanatory, I was curious about what’s the most complex financial instrument (so probably a synthetic/derivative) that man has come up with? | 0.090399 | 0.001612 | stocks | Multi-level compound options. A typical option has a put or call on a stock. A compound option can have a put put, call call, put call, and call put. And one level further can get you a monstrosity of a put put call (Betting that the stock goes up resulting in its call increasing in value, decreasing the value of the c... | 0.013599 | 0.015211 |
l9cp4o | Please don’t buy Bitcoin from Wirex! Wirex is a total scam please be aware of fraud | I’ve had Wirex since last October and was pretty pleased with the service as I could exchange foreign currencies with bitcoin and could use my Wirex VISA debit card literally anywhere in the world. As I slowly gained trust over the system, I have put a ton of money into my Wirex debit card (over 15000 USD) and even inv... | 2.311973 | 0.015048 | Bitcoin | That's interesting because I have some thousand(s) at Wirex, any alternative worth looking into? The card has worked fine for me but this kind of post can be scary since they seem to be more and more common. | 0.000163 | 0.015211 |
y155uj | Why Help to Buy Remains a Great Debt Deal | People with Help to Buy Equity loans should be relatively content with their situation right now and I haven’t seen this being communicated. After refreshing my knowledge on the subject on Money Saving Expert, I thought I’d break it down. Link below:
https://www.moneysavingexpert.com/mortgages/help-to-buy-equity-loans... | 0.514793 | 0.007098 | UKPersonalFinance | Ours comes to an end in May, previously we were planning to remortgage and pay it off, but right now 1.75% vs our 3.14% mortgage seems like a great deal! It'll take quite a few years until the interest is higher than our mortgage. Plus if house prices do dip slightly, there may become a perfect moment to pay off the lo... | 0.008114 | 0.015211 |
o2nvx8 | Ethereum Max is a scam using celebrity shills. | Just over a month ago a random token was created on Ethereum, Ethereum Max. It's just an ERC-20 token with HODLing rewards and other forms of perks I couldn't find, because they lack a whitepaper. Nothing about this coin is interesting or special, maybe even more useless than the average memecoin. Team is also anonymou... | 1.04138 | 0.014401 | CryptoCurrency | I love it! Like that, you absolutely know what not to buy! I mean if a sextape, getting your head bashed in and dancing in front of phones qualifies you to suggest investment options, then by all means, go for it! | 0.00081 | 0.015211 |
ig2p85 | Need to get this off my chest - Focus on Process not return per day, or week etc... | I see a lot of y'all posting about making '1% of week' or '5% a month', etc...
THAT IS THE WRONG THING TO FOCUS ON.
1) Did I do my Due Diligence before entering this trade?
2) Is my ROC within the parameters that I like?
3) Are the DTE that I picked desirable for this setup?
4) What is my plan if the underlying... | 1.454746 | 0.012301 | options | The real reason why you don't set goals like this is because when you fall behind them you will feel too much pressure to ratchet up the risk to make it back. This only opens yourself up to catastrophe. | 0.00291 | 0.015211 |
3zq9lh | 17F, no money, no support from family. What can I do? | I've lived with my mom my whole life (father passed away when I was an infant) and she recently passed away a few days ago, leaving me with only the clothes on my back.
I'm currently living with her sister (my aunt) but she has made it very clear that she wants me out as soon as possible. I'll be turning 18 next month... | 0.230205 | 0.002677 | personalfinance | Sorry about your mom. This is the path I'd take. It will reduce all your risk, and create a base-level of support for yourself where you can take care of yourself, and then start making decisions on all the other, fun stuff:
* Don't move in with your boyfriend yet, please. It may seem comforting, but it can create rea... | 0.012533 | 0.015211 |
8b3oj0 | First year of being a sole trader completed | This time last year i was walking out of the job centre for the last time, having finished getting universal credit whilst they helped me start my own business after moving to a new city and bring unemployed. I decided with their help to be a self employed guitar teacher, working from home. Business started off very sl... | 0.748859 | 0.009463 | UKPersonalFinance | Ran in to a hurdle recently for starting my own business that halted my ambition, and really killed my motivation. But now I've brushed myself off and am determined to work even harder now to make it a success. Reading this gave me an extra push.
I wish you the best for your endeavour, and hope you're able to open new ... | 0.005747 | 0.015211 |
g3pjew | Munger: "we’d rather come out of it with a whole lot of liquidity" | Link below about a recent interview with Charlie Munger of Berkshire. Looks like they may not be buying up equities as some guessed, instead saying "... we will be fairly conservative." When asked if executives are calling Berkshire and begging for capital he said: “no, they aren’t" and then said "they’re frozen"
... | 0.06699 | 0.005708 | investing | These guys are the reason I'm not sweating about only deploying 1/3rd of my cash so far during the crash. I got most of it in around -25% from ATH and I'm happy with that.
Right now we're at October 2019 levels and I didn't feel comfortable buying then so there's no way I'm buying now with the current outlook. Everyon... | 0.009503 | 0.01521 |
hjk2ys | It's pretty depressing being 30-40% invested in an international index fund. | My portfolio is 90% equity and 10% bonds. Of my equity positions, 60% is in a US total market index, the other 40% is in an international index. 5% of my US equity is in individual stocks.
My international index tracks the MSCI ACWI ex U.S. (ACWX), and that index has never recovered to pre-2008 highs. It's be a 10+ ye... | 0.06699 | 0.005708 | investing | Remember that 10 years ago it was the US that was lagging international for a decade: [https://www.portfoliovisualizer.com/backtest-asset-class-allocation?s=y&mode=1&timePeriod=4&startYear=2000&firstMonth=1&endYear=2009&lastMonth=12&calendarAligned=true&includeYTD=false&initialAmount... | 0.009503 | 0.01521 |
ouff0c | I just Filled a Complaint with the SEC and I can't believe it took me this long | I didn't know you can submit the tip anonymously and that it only takes 5 minutes to fill out.
&#x200B;
https://preview.redd.it/61gsdtg3pae71.jpg?width=982&format=pjpg&auto=webp&s=dff402ad33f533d9956197e8642534b090e82538
&#x200B;
&#x200B;
# I have been bitching for months on reddit and twit... | 0.184207 | 0.01497 | Superstonk | I mean there is an fbi building not far from my house, I've thought about making a sign and standing there off their property for a while now, there are cameras all over the building. I think it'd be interesting to see how long it takes for a response. | 0.00024 | 0.01521 |
vz550b | Did hedgie bots panic short coke because of the massive influx of coke posts on reddit? | I'm a little out of the loop, but coke being down 14% today reminded me of that time when reddit kept pushing random tickers as a distraction for the hedge fund bots. It was like jedi mind tricks.
Did the hedgies think reddit was all of a sudden gonna Yolo in on Coke today? | 0.184207 | 0.01497 | Superstonk | Only one way to test this theory. Someone pick a stock, that has a name that is a synonym for something ape like. Then we all post the shit out of it. People who can, tweet. (not on twitter) See if we can get a mention in the next 16 hours on some fuddy stock news channel. Then we see what happens... | 0.00024 | 0.01521 |
miqnyf | Polkadot (DOT) has quietly overtaken Cardano (ADA) in market cap. | It's been quite interesting to follow these two coins, as they were both started by Ethereum founders, and both seek to solve problems those founders had with ETH 1.0.
Polkadot has been rolling out new features and recently Acala has won a parachain slot. Its price has been inching closer and closer to $40 though I s... | 0.92417 | 0.012966 | CryptoCurrency | I follow both very closely, but only own ADA at this point. I keep waiting for an entry point into DOT (what I believe to be fair price), but it hasn't come yet. I've been second guessing myself lately and may be victim to FOMO here soon. | 0.002243 | 0.01521 |
3hb7tp | TSLA upgraded by MS, one of the banks the secondary equity offering will be through | MS just upgraded TSLA from 280 to 465 (+66%, a very large upgrade, deviating far from their historic target movements), a few days after they announced participation in TSLA's secondary equity offering.
Isn't there some sort of conflict of interest here? Haven't seen something this blatant before and wanted to read ot... | 0.211042 | 0.008631 | investing | I took my profits after the earnings "correction." I can't justify holding TSLA at a 30bn valuation. That is half of Ford with less than 1% of the vehicle deliveries. I'm not saying they can't get there but the price already reflects an almost unimaginable growth trajectory. | 0.006579 | 0.01521 |
h0nf12 | Buying Land with Transmission Tower on it | I'm looking to purchase a big block of land to build a house on, and have found a block that's 11000m2 which has an electrical transmission tower on it.
The owner has defaulted on mortgage and has not been cooperative in providing information. Would the energy company who owns the tower be paying rent to the land owne... | -0.086403 | 0.005231 | AusFinance | Previously worked for supply authority (NSW).
I would never recommend owning a property with a transmission tower in the yard unless you do not mind the risk of significant inconvenience during capital works projects (property damage can occur eg grass torn up by trucks) and you are not concerned with the mains exposu... | 0.009979 | 0.01521 |
yjtwud | How viable will it ever be for Gen Z kids to buy houses? | Interest rates have gone up SIGNIFICANTLY. No fool would want to take on a mortgage with the way things are going
I read somewhere that a white-collar graduate was able to afford a $300k house on a $60k salary (right out of uni) in the early 2000s (think it might've been after the GFC. Can't remember exactly)
I'm mos... | -0.086403 | 0.005231 | AusFinance | My wife and I were married and had been working about 5 years before we looked at buying a house in 2001. We were each earning about $50k. Engineer and teacher.
The bank pre-approved us for $350k, which seemed like an astronomical amount. We had no intention of taking on anywhere near that much debt. Bear in mind that... | 0.009979 | 0.01521 |
qs27m | So you want to buy a house at auction? | So you want to buy a house at auction?
So you have finally taken the plunge and are looking to buy a new house. First off, congratulations. If you are in my demographic (18-30), you are a statistical anomaly, but I digress.
A little about myself. I am a real estate investor located in Southern California. I buy b... | 0.283068 | 0.010093 | investing |
Once you've narrowed your potential investment properties down, now you can order your title work (or do it yourself). I cant stress this enough, that if you outsource this, your title rep needs to be competent. If your title rep tells you the auction you are bidding on is a trustee's deed in the first position, but... | 0.005117 | 0.01521 |
u5tv72 | So I’ve finally taken the step to accept BTC at my business. | And no one really cares.
I run a motorcycle workshop dealing with usually fairly large job such as race bike conversions, crash damage etc and I recently took the jump to accepting BTC payments.
I launched this on my website along with the Facebook and Twitter pages. I also have added it to my invoices and even men... | 0.644082 | 0.009539 | CryptoCurrency | Nobody wants to be that guy that bought the pizzas and lost out on millions and millions. A half a bitcoin for 20k in work could be worth wayyy more in the future. I'm guessing this is most people's thinking. Unfortunately I'd pay with a card too because I don't want to give up my crypto yet. | 0.005671 | 0.015209 |
ztlkt9 | Why you should be terrified everyday inflation is only “waning” | In 1964 a gallon of gas cost about a quarter. So how did we get to today’s price? Through inflation. The fed targets 2% inflation per year to spur people to invest their money and not keep it in the mattress. Essentially, if you save that money in a safe it’s losing a compounded 2% annually. Several times since 19... | 0.297625 | 0.00461 | wallstreetbets | Yes yes yes, this is what also brought us the 2 working parents household. Erosion of the family unit will only get even worse than it already is. This is why dogs are the new children, ain't nobody can afford childcare and education without making a sociopath's salary. | 0.010599 | 0.015209 |
8vreq9 | So how simple is fundamental analysis, really? | Believe me when I say that I'm trying to make this as simple as possible because investing is complicated already. If I'm looking at a company's book value (shareholder equity) and I'm trying to see if it's bigger than the current market cap, do I just literally look at one and then look at the other to see the differe... | 0.355094 | 0.011554 | investing | While equation really is that simple, the hard part is determining whether or not the equity could actually be realised.
You have to take into account why it’s so undervalued, a few simple ones I could come up with are:
Has something substantial happened between now and the last quarters report?
Is the company bur... | 0.003655 | 0.015209 |
6kqdkj | How to negotiate FI as a professional athlete | I found this hilarious, remarkable, and an amazing tribute to the power of compounding interest.
http://www.espn.com/video/clip?id=17669446
Happy Bobby Bonilla Day!
| -0.006829 | 0.006788 | financialindependence | Watched it, he didn't even ask them to do it. Some genius in the Met's accounting department said
> If we can not pay him $3m for a decade while paying interest at 8% then we can invest that money and this guy I know says he can give me at least 15% so we can bank the difference, it's foolproof.
When you get right ... | 0.008421 | 0.015209 |
c7uc66 | Every $100,000 saved = $10/day at 3.65% Withdraw Rate | After seeing this [post](https://www.reddit.com/r/leanfire/comments/c3xk0m/where_can_you_leanfire_on_1k_a_month/?utm_source=share&utm_medium=web2x) on FIRE links I was reading about safe withdraw rates by [Early Retirement Now](https://earlyretirementnow.com/2016/12/07/the-ultimate-guide-to-safe-withdrawal-rates-pa... | 0.202127 | 0.011149 | financialindependence | Interestingly enough, depending on stock/bond allocation (I don't recall what it was right now, sorry), I found that a "100% safe" SWR - where it, based on 100+ years of history, will not run out of money for 40+ or so years.
That number was lower than 4%, and higher than 3.5%. 3.65% would probably be "close enough" ... | 0.00406 | 0.015209 |
Subsets and Splits
Unique Subreddits List
Lists unique subreddits in the dataset, providing a basic overview of the data's scope.