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+
+Not looking at getting in to a theological debate but looking at trying to find solutions to alleviate the concerns of our communities and allow us to make  
+
+God bless and happy Friday to all.
+Buckle up for the following TA…
+
+There are about 67M shares remaining in the free float. With just over 200k registered share holders, that is only 335 shares each remaining. In the grand scheme of things this is incredibly small. Needless to say, the end is nigh. 
+
+TLDR: Hedgies are incredibly fucked and sooner than you may think.
+My finances are a total mess. I’m in my 50s and have ADHD and a general inability to be an adult. 
+
+But I desperately want to fix this. 
+
+I've had a pretty good career lurching about from thing to thing. I stopped everything to care for my mother for several years – she's since died. I'm currently volunteering but I want to start a small business so I need to sort out my mess pronto. I inherited some money (and some shares that I have nfi what to do with), so I can live. However, I haven’t done my tax for … oh, probably 20 years … and I once had an ABN that’s subsequently been cancelled because I never paid tax on that.
+
+The whole shituation is such a debacle that I hate talking about it with anyone, let alone a professional. I am filled with shame which stops me from tackling it. 
+
+But I'm gonna. I Just need help. My question is, who do I go to? I did go to H&R Block last year, and the woman helped me a bit, but her relentless eye-rolling just made me so ashamed that I didn’t want to go back again.
+
+I want a lovely, understanding professional who can help me begin to manage my money. I don’t even know what the title of such a professional would be.
+
+Can anyone recommend where I should start? I’m in Hobart.
+I'm looking at AVUV, VBR and VIOV - small cap value funds, and can't understand how AVUV clearly outperforms the other two (which are passively managed, lower expense ratio), long and short term.
+
+Ultimately I want to know if it is more risky to invest with an actively managed fund like AVUV (0.25 expense ratio), compared to passively managed index tracking fund like VIOV (0.15%).
+
+Is the actively managed fund's expense ratio more prone to increase in the future?
+
+Thanks, any opinions or thoughts welcome.
+I'm looking at AVUV, VBR and VIOV - small cap value funds, and can't understand how AVUV clearly outperforms the other two (which are passively managed, lower expense ratio), long and short term.
+
+Ultimately I want to know if it is more risky to invest with an actively managed fund like AVUV (0.25 expense ratio), compared to passively managed index tracking fund like VIOV (0.15%).
+
+Is the actively managed fund's expense ratio more prone to increase in the future?
+
+Thanks, any opinions or thoughts welcome.
+The underlying index for ICLN (NASDAQ), ZCLN (TSE), and INRG (LON) ETFs could see major changes in response to high volatility in recent months. Currently, the index is made up of companies "whose primary business is clean energy." 
+
+The proposed changes would triple the number of holdings from 30 to 100 companies by including companies "deemed to have significant clean energy exposure but not as their primary business."
+
+The changes would make ICLN and the other ETFs less volatile, providing greater stability for investors. Conversely, the ETFs will no longer be pure clean energy plays if the changes are implemented. Individual stocks currently in ICLN could see their valuations reduced as well.
+
+What do you think of the proposed changes?
+
+https://www.etfstream.com/news/blackrock-clean-energy-etf-index-to-triple-in-size-following-spdji-consultation
+Hi,
+
+In simpleton terms, how does one determine the appropriate use of each model type for panel data? 
+
+I get the intuition of fixed effects models: controlling for unit-specific time-invariant sources of variation. I get two-way fixed effects models as well and I understand what controls may be useful vs which are redundant in each.
+
+I understand random-effects models quite a bit less. I've read the basics (random parameters, sampling assumptions, etc.) but don't quite get what the model is doing and how. I'm also not sure when they are appropriate/ preferred to fixed-effects models conceptually. I know the phtests command on R tells you when to use each but I don't know WHY.
+
+Mixed-effects models have both random effects and fixed effects is my understanding? But still no idea when it is better than a fixed-effects model.
+
+Can someone please help explain, preferably through accessible examples, when each makes sense to use? Say, in the use of county or industry panel data.
+
+Is it something about the data generating process? The data distribution? Potential confounds?
+If the United States went to war with China for example, what happens to the American bonds the Chinese are holding?  Do we pay them even as we're fighting them or do we just decide not to pay them back?  Both options seem pretty strange.   
+Please visit my previous post for a bit of background: https://www.reddit.com/r/AskEconomics/comments/8b20jb/impact_of_keynesian_fiscal_policy_in_practice/
+
+To sum up, my question is that how did Keynes in advocating an active fiscal policy (the details of which are in the link above) influence or affect FDR's economic policy during the Great Depression? How did it impact the US economy? Was what FDR implemented (as a result of adopting Keynes' approach) actually effective?
+I am in my early 30s, current net worth around $1 million. 
+
+I am going to keep the details vague. I have recently learned that when a relative passes away, I will be inheriting a very large sum. The relative in question is in poor health and nearing the end of life. This is a grim subject. I truly hope they live for many more years and, when the time comes, enjoy a peaceful end to their life. 
+
+However, I feel that I have a responsibility to myself and my family to have a plan for when the day comes. Is there anything I should do to prepare for this event? Due to the size of the estate, I imagine it will be in probate for a long time.
+
+Edit: thank you to all who have given me helpful information. I now realize that “probate” is not relevant for my situation as the assets are in a trust. Other relatives have been convinced that “the estate will take a long time to settle” and that it would be years until we saw anything, but it sounds like that is relevant to the IRS, not to the beneficiaries. Everyone in the family is slightly in shock and none of us are knowledgeable about inheritance laws. 
+
+The most helpful pieces of advice I’ve been given on this thread are (1) to start researching tax and estate attorneys now and save their contact info for when the day comes. Also (2) to communicate more with my relative’s estate planning team to get some clarity on the details, if possible.
+In building a bullish case for a crypto company most people tend to start (and stop) with whitepapers and roadmaps. A new project gets launched and pumped up by a couple whales, speculation gets amplified, personalities are hyped along with their projects, and a few months down the line it usually all ends up in tears ($TIME, et al.)
+
+Beyond all the mess and fake hype, I believe there are innovative projects with ironclad fundamentals that tend to fly under most people's radars.
+
+Among my new favorites, I'm bullish on [Zebec.io](https://Zebec.io) , a continuous settlement protocol that allows for real-time continuous streams of payments. Also very bullish on [liquality.io](https://liquality.io), a multi-chain "superwallet" with one-lick atomic swaps that makes Metamask (and their support team) look like hot gabage.
+
+Curious to find out what under-the-radar projects everyone is currently bullish on.
+
+​
+
+Please, no nft's or "node" projects
+
+Edit: Ty so much for all the suggestions. Lots of great projects to go through!
+This reminds me of the post "CITADEL NOW OWNS ETORO! GET OUT NOW!!!" that tried to get people to sell their GME shares with complete bullshit reasoning.   
+
+A lot of people fell for it yesterday when they thought they could "vote" on NSCC-2021-801, and instead sent thousands of comments that they have to read, possibly delaying its enactment. Stop falling for it. On the bright side, I know for sure they really don't want NSCC-2021-801 to pass, so that's something I guess. Not financial advice. 
+
+Diamond fucking hands. 💎🙌
+Long story short, my father just moved into my apartment after being kicked out of his girlfriends place and having no where to go. I have 3 other roommates and its pretty awkward as we are all 21 and hes 45 and not paying rent. Hes thousands in debt from toll violations and trouble with the law. He has very bad credit. I want to help him. He has really big issues spending money and before he moved in he agreed to give me 3/4 of his paycheck to put in a spare savings account of mine where he cant touch it, he makes around 2400 a month. His car was repo'd and he cant get it back for whatever reason from the tow place so he needs a new car. How do i help him and what do i do? I have no idea where to start.. 
+
+
+**Edit** It seems I was a little vague so to clear some things up:
+
+He is addicted to hydros and ive told him if i find them he's out, no questions asked.
+
+He works as a window cleaner/ gutter installer so he needs a larger car, big enough to store a ladder and equipment.
+
+His trouble with the law is till violations and has been arrested multiple times for driving with a suspended license and now has to go back and take the test to get his license back.
+
+I live in Texas, DFW area.
+​
+
+#  Next Moonshot?!🔥 
+
+ ***Information💎*** 
+
+With the ever growing crypto community, especially meme coins, we decided to introduce a new meme coin with utility. SafeAids will promote safe sex while making regular donations to help fight against aids 🙏
+
+​
+
+This is a community charity token with the mission to fight against aids.
+
+We will be donating to amfAR and national aids trust every week.
+
+Already made two donations to amFAR and National Aids trust (Proof in Telegram)
+
+​
+
+**Token:** SafeAids  
+
+* **Total Supply:** 1,000,000,000  
+* **Fuel burned:** 50%  
+* **Presale and liquidity:** 49%
+* **Marketing tokens:** 1% 
+* **3% of all transactions will be donated to charity**
+* **Holders will be rewarded with 3% of every transaction**
+* **Ever increasing price floor with 2% of every transaction being added to liquidity!**
+
+​
+
+ ***Links💎*** 
+
+**Telegram:** [https://t.me/SafeAids](https://t.me/SafeAids)
+
+**Website:** [safeaids.org/](https://safeaids.org/)
+
+**Medium:** [https://safeaids.medium.com/](https://safeaids.medium.com/)
+
+​
+
+***Roadmap******💎*** ***(Shortened, full roadmap on website)***
+
+\\-Launch  
+
+\\-Paid Marketing  
+
+\\-Listings  
+
+\\-Merchandise and Nfts
+Hello everyone. Recently I've been thinking about investment decision making, and I'm a little bit hung up on a certain concept. If I do a DCF for X company, projecting out 5 years plus a terminal value, and end up with an instrinsic value per share of $115 while the current share price is $100, would X be worth buying? In a world where I had no capital constraints, I understand that I should invest in every company with a positive NPV, but when this isn't the case, would company X still be considered a "good" investment (i.e worthy of a stock pitch in a fund). The concept of irr when doing a DCF of this kind doesn't seem to make sense to me, given the fact that there is no clear exit date and the bulk of the free cash flows aren't actually going towards me as the investor. Furthermore, with the market averaging ~8% per year, a 15% total return would be great if the intrinsic value was recognized by the market within a year, but not the best if it took 5 years for X to hit its intrinsic value, and I'm not aware if there's any way to know/any assumptions inherent to doing a DCF regarding how long it will take for intrinsic value to materialize. I'm curious if any of y'all have any personal rules regarding making investment decisions using DCF's (i.e intrinsic value needs to be y% higher than current price for me to consider).
+Software engineers and project managers in the tech industry know what's coming - and it's revolutionary. 
+
+The move to web3.0 isn't prophetic. It's not *just* likely. It's not a strategy with a million planned, structured steps.
+
+Web3 & verifiable asset transactions on public ledgers *is the undeniable future*. 
+
+50+ y/o software engineers, trained in a profession which internalizes deep, structural and institutional change **with 20+ y/o professional software engineers who're (contractions lol) reminded they have a responsibility to affect deep institutional change as responsible members of society** know that web3 is coming and GME are the ***FIRST ADOPTERS*** of revolutionary tech with the potential to change the face of not just general asset swapping, but *the global financial industry as a whole*.
+
+And guess what? *They're all fucking loaded*
+
+Cross-generational and principled investors are holding the float....
+
+WE FUCKING WON. HODL.
+
+NOT FINANCIAL ADVICE. OBVIOUSLY.
+We're all familiar with your average person making the simple finance mistakes, like using a credit card and letting it run up, or not hunting around for the best bank account to keep their emergency fund, but sometimes it's interesting to listen to some of the financial mistakes that are just absolutely out of this world, or require a thought process that is just completely unfathomable.
+
+I'll start: My Brother re-financed his mortgage to be 100% LTV, meaning he had zero equity. His reason? He wanted savings. So he was paying interest rates of something like 4% (that's the best he could get on a 100% mortgage) so he could get savings without actually saving any money. Then over the course of a year, he spent that money on an old BMW 7-series that broke down and completely died 6 months later.
+
+So what completely nuts and financially illiterate stories do you have from people you know?
+I work as a disability support worker for an NDIS provider. Last Nov, my work overpaid me by 800 dollars. I did the right thing and told them about it and they never have tried to get it back. I’ve stuck the money in another savings account, ready for me to give back if they ask. I’ve called multiple times and sent many emails and they’ve just completely ignored it. Every time I’ve called the office, one of the ladies always says some variation of “Lucky you! I wish I had an extra 800 in my pay!” as if I’m supposed to keep it?? They tell me to send them an email of the payslip and that they’ll forward it to the general manager. 
+
+Mind you, during the weeks where I was underpaid and told them about it, they’re quick to fix that and are prompt about paying me back so this confuses me. I’ve just been paid another extra 600 this week that I didn’t work. Am I the only worker that this happens to or am I the only one honest about it? My mate reckons that it’s because NDIS providers receive so much funding that they don’t really care about the loss of money. Idk!!
+
+EDIT: I FINALLY got a response from the general manager and I’ve sent back last week’s overpayment. However, regarding Nov’s overpayment, they told me “Merry Christmas” and thanked me for my honesty and that I could keep it??? I’m floored to be honest, it’s such a large amount. I guess they didn’t wanna adjust the tax and all that stuff. This feels wrong hahaha. Interesting that this is all solved on the day that I had enough and decided to post on Reddit about it. Ha.
+Source: Latest OECD Report
+
+The report shows that on average, Australian households have debt that is 211.01% of their household incomes. 
+
+“Houshold debt is defined as all liabilities of households (including non-profit institutions serving households) that require payments of interest or principal by households to the creditors at a fixed dates in the future.”
+
+So if I do my maths right, if the average Australian couple makes about $90k each (180k total), then they would have more than 360k in debt? To me that sounds normal. But to then be told that 211% is the highest percentage of all countries makes me wonder, where did we as a country go wrong? 
+
+Questions to discuss:
+- Assuming most of that debt is a mortgage, does this mean it’s too easy to get a loan? Potential GFC repeat but just for Australia?
+- Is income growth in Australia becoming stagnant? Or simply not keeping up with living expenses?
+- The percentage is based on net income. So could this imply that Australia’s tax rates are too high?
+- We might be the highest, but is it even something to worry about? If it is, what should be done about it?
+
+Edit: Australia is NOT the highest. Instead it is the 5th highest with Denmark being the actual highest at 254.58%. Link https://data.oecd.org/hha/household-debt.htm
+Hey Traders!
+
+About 6 months ago, i created a trading series about how to identify and trade support and resistance. It garnered incredible support and so i thought i'd re-share for anyone new to trading or for those that like to trade support and resistance who didn't see it first time round :)
+
+For those that don't use TradingView, i created a small series of How to identify Support and Resistance, and how Support becomes Resistance using examples. I also show how to identify a trade, and once identified, how to place all aspects of that trade, including Stop Loss, Take Profit and Trade Closure.
+
+Here's the complete series, in a single digestible post:
+
+Part1 - [https://www.tradingview.com/chart/AUDJPY/JDkW7yxC-When-Support-becomes-Resistance-and-Resistance-becomes-Support/](https://www.tradingview.com/chart/AUDJPY/JDkW7yxC-When-Support-becomes-Resistance-and-Resistance-becomes-Support/)
+
+Part2 - [https://www.tradingview.com/chart/AUDJPY/we3J0SSe-How-to-identify-trades-using-Support-and-Resistance/](https://www.tradingview.com/chart/AUDJPY/we3J0SSe-How-to-identify-trades-using-Support-and-Resistance/)
+
+Part3 - [https://www.tradingview.com/chart/AUDJPY/W7YV3a9W-How-and-where-to-place-Orders-Stop-Losses-and-Take-Profits/](https://www.tradingview.com/chart/AUDJPY/W7YV3a9W-How-and-where-to-place-Orders-Stop-Losses-and-Take-Profits/)
+
+Many Thanks for your time,
+
+For\_The\_Many
+
+\*EDIT\* - For the Garnish! Edited to garnered after realising Gordon Ramsey has inherited my mind space
+So I've been trading for the past 3 years where for the first 2.5 were on a demo account testing my strategy till I was sure it was working and now for the past 6 months I have been trading live with consistent profits every month.
+
+However every time I trade, while I do have my emotion in check, there's still a small part of me that stresses out that I'll mess up and blow my account and all this hard work and time will be wasted and I have to start from 0 again.
+
+So long time traders, have you also experienced this fear and does it eventually go away/become negligible?
+The rate hike is fully priced in, dovish hike is the consensus, anyone shorting the dollar already or are you waiting / planning to go long ? What do you think is going to happen? 
+
+Not sure if I'm even going to try to trade it tomorrow. 
+Which course did you take? How long did it take you to master your strategy? Was it worth the price? What would you recommend for someone who has been in the trading game for a couple of months?
+It doesn’t seem to make sense from a microeconomic standpoint. But  then again I’m a senior in high school taking AP micro, so I’m not as well versed in economic theory as many of you.
+Athletes are some of the highest paid professionals in the world. How have professional sports teams been able to weather the financial storm of paying out billions in salaries, while talking in markedly less money over the last two seasons than ever before?
+Mountain Miner in Space is a Decentralized multichain dApp that allows investors to purchase Shuttles in order to mine Ores which can then be used to buy more shuttles or sell for profit. 
+
+​
+
+Launching tonight at 20:00 PM UTC on Cronos Network
+
+​
+
+Starting at 5% Daily ROI 
+
+● 5% Daily Compound bonus
+
+● Up to 4,562% APR 
+
+● Space Map ( Increasing the daily ROI )
+
+● Space Police ( Keeping the contract sustainable )
+
+● Anti-Space-Whale Mechanism
+
+● 3% Referral Rewards from recruits
+
+● Multichain Space dApp
+
+(BUSD, BNB, USDC, AVAX, CRO, MATIC, FTM)
+
+​
+
+\+ ACTIVE COMMUNITY & TEAM 
+
+​
+
+Strategy:
+
+The strategy advised by the team is as simple as 1 - 2 - 3
+
+Buy space shuttles -> Compound 10 times -> Sell Ores and take Profit
+
+​
+
+Audit information:
+
+Contracts on each chain are individually audited by two independent auditing companies, for the security and transparency of the project. 
+
+​
+
+BONUS ->
+
+NFT Collection coming soon! 
+
+Mount token launch is coming soon! 
+
+​
+
+Project Developed by Paramount Finance
+
+​
+
+Links
+
+Website:
+
+[mountainminer.app](https://mountainminer.app)
+
+​
+
+Mountain Miner BUSD
+
+[busd.mountainminer.app](https://busd.mountainminer.app)
+
+​
+
+Mountain Miner BNB
+
+[bnb.mountainminer.app](https://bnb.mountainminer.app)
+
+​
+
+Mountain Miner USDC
+
+[usdc.mountainminer.app](https://usdc.mountainminer.app)
+
+​
+
+ Mountain Miner AVAX
+
+[avax.mountainminer.app](https://avax.mountainminer.app)
+
+​
+
+Mountain Miner MATIC
+
+[matic.mountainminer.app](https://matic.mountainminer.app)
+
+​
+
+Mountain Miner FTM
+
+[ftm.mountainminer.app](https://ftm.mountainminer.app)
+This isn't fud or anything.  I actually have most of my money in crypto so I make posts like these somewhat in part for my own sanity too and the discussions on these topics.
+
+I notice a lot of smart people who analyze the market seem to think there's always a strong likelihood of reaching new highs in the future. 
+
+IE- the market may go down a lot and reach bear markets but somehow it will bounce back and eventually reach new all time highs at some point for bitcoin, etherium and others. 
+
+I'm curious to ask here- how confident are you that crypto will continue to do this and why?
+
+👨‍🌾
+Hi everyone,
+
+So recently I ran into Andre Jikhs and Graham Stephan’s videos on the 401k strategy. They basically said to invest into your 401K, max out employer match, pay off debt, then max it out for the rest of the year. My issues with that is that I and lots of people don’t make enough money to max out our 401Ks every year AND invest in crypto and stocks. They recommend you max 401k, Roth IRA etc. before opening brokerage accounts. 
+
+Am I missing something here? What about the dividend strategy? What about the crypto strategies that accounts in crypto.con and voyager offer? Is it really better to max out your 401k and leverage and borrow against your assets in the 401k? 
+
+[Link to the video by Andre Jikh here](https://youtu.be/FlIaaDr0ihI)
+
+Graham has a similar video basically recommending the same thing. Basically, following this strategy will leave no income to invest into stocks, crypto or real estate. So what would be the play here?
+I am trying not to FOMO in to COST next year because they are so expensive, but worried the price will just keep going up.
+
+They have been growing revenues, building more locations and adding to membership growth, I am considering buying one share soon and add more if there is a drawdown.
+
+What are everyones' price targets for COST?
+
+CFRA has a price target of 558 currently. Morningstar fair value is 447.
+
+Edit: Argus has a price target of $610 and Reuters still has them as a BUY.
+#iOS, Android & Exchange wallets = NOT SECURE enough!
+
+There are **RISKS** to storing your ETH in an iOS/Android wallet, and you are obligated to **TEST YOUR WALLET** if you used myetherwallet.com to generate your wallet (their wallets *should work just fine* but they even tell you to test your wallet before offloading to it). Also if you use freewallet I suggest **REMOVING YOUR FUNDS FROM IT ASAP** [see here for why](https://np.reddit.com/r/CryptoCurrency/comments/6gtrmd/freewalletorg_scam_millions_stolen).
+
+An example: Jax for iOS is a closed source wallet -- all iOS and Android wallets are compiled and sent to the app store. It is impossible to know what got inserted into there by the time you use it. For that reason I strongly encourage not keeping your ether in any iOS or Android wallet and also not keeping your ether in any exchange at. Both wallet apps and exchanges have been hacked or behaved dishonestly in the past and have *stolen user bitcoin and ether*. I believe the founder of jaxx has said as much as well - that his wallet is designed for convenience and not for large or long term storage!
+
+you may think I am paranoid, however:
+
+1. [here is an iOS wallet that just stole 8 million dollars from its users](https://np.reddit.com/r/CryptoCurrency/comments/6gtrmd/freewalletorg_scam_millions_stolen/) - this could happen to jaxx or any, *any* wallet you download from the app store
+
+2. [here is a user who lost $50,000](https://np.reddit.com/r/ethereum/comments/48rt6n/using_myetherwalletcom_just_burned_me_for/) because he generated a wallet at myetherwallet without first testing sending and receiving money
+
+It is very important that you:
+
+1. generate a wallet from a source that you absolutely trust and that you
+
+2. store that wallet in a secure environment and that you
+
+3. test that wallet before sending all your ether to it. 
+
+If you search the sub you will discover some horror stories from folks who failed to follow through with these steps. They are not overly hard but are extremely important towards securing your investment.
+
+**FAILURE TO COMPLY** with these pieces of advice may result in the *absolute and total* loss or inaccessibility of your ether, and in such a circumstance your ether is both non-recoverable and you are fully liable for the loss.
+
+-----
+
+#How to generate a wallet in a safe way: air gapped paper wallet
+
+1. get a USB stick and create a bootable version of ubuntu, there are many guides on how to do this. [Here is one for Windows Users](https://tutorials.ubuntu.com/tutorial/tutorial-create-a-usb-stick-on-windows#0). [Here is one for Mac users](https://tutorials.ubuntu.com/tutorial/tutorial-create-a-usb-stick-on-macos#0). [Here is a video on YouTube for how to do it](https://www.youtube.com/watch?v=U-7chlCn6yk). By the end of this first step you should have a USB stick that you can boot Ubuntu from.
+
+2. download this website [from here](https://github.com/kvhnuke/etherwallet/releases/download/v3.8.94/dist-v3.8.95.zip). Extract the contents of this zip to a folder on a flash drive. You can use the same flash drive that you just created for Ubuntu, just make a folder such as flashdrive/myetherwallet and stick the website contents in there
+
+3. You have to now boot your computer from the USB stick. Mac users can just insert the USB stick, hold option, power up their computer and then select "Ubuntu live cd" or "ubuntu". Windows users have to [follow these steps](https://www.tenforums.com/tutorials/21756-boot-usb-drive-windows-10-pc.html) with the usb stick inserted and then pick the usb stick from a list of boot options.
+
+4. at some point booting from the usb stick, select "live cd" or "try ubuntu before installing". NEVER EVER SETUP WIFI, UNPLUG YOUR INTERNET CORD IF YOU ARE WIRED IN!
+
+5. once ubuntu boots, find the flash drive in the file explorer with the website, and open up index.html
+
+6. think up a password (you absolutely shouldnt forget this) and click "generate wallet". Then click "download keystore file" and find the file that got downloaded and STICK THIS ON THE FLASH DRIVE - you absolutely shouldnt lose this!
+
+7. write down the private key that they give you. Write it on paper, double and triple check it. Copy it to a text file and save it onto the flash drive. You absolutely shouldnt lose this!
+
+8. you shouldnt print your wallet unless you can connect to a usb printer. Otherwise you would need network access to print. What you can do though is click on "print", cancel the print dialogue and then go to "file > save" and save the webpage on your flash disk.
+
+9. click next, select "Keystore File (UTC / JSON)" and then "select a file" and open the .json file you saved on the flash disk earlier
+
+10. you have now generated a wallet. Nice job. I highly suggest you now insert a second flash disk and copy EVERYTHING from the first one onto the second. Then store them in different places. The idea here is that you make several copies of your public and private key so you don't lose them.
+
+11. **NEVER EVER PLUG THESE USB STICKS INTO ANOTHER COMPUTER AGAIN** - only access these USB sticks from ubuntu, booting it up the same way you did in the steps above ^
+
+12. You should now try sending something small like 0.001 ETH to this new wallet, and then use http://etherscan.io to make sure the transfer goes through.
+
+13. You should now try sending 0.001 ETH *out of your new wallet* to make sure it works. You should only ever send money from this new wallet by booting Ubuntu up and sticking the USB sticks into your computer. From an online computer [go here](https://www.myetherwallet.com/#offline-transaction) and put your new wallet's public address in, then click "generate information" and copy down gas price and nonce to a textfile on A NEW usb stick. Go back to your offline computer with ubuntu and open up index.html again and click "Send Offline" on the navigation at the top. Where it says "Step 2" insert the to address of your old wallet, and put 0.001 in for value, and then fill in gas price and nonce from the text file you saved on that new usb stick. Check the "keystore JSON" box and click "SELECT WALLET FILE" and give it the .json file you saved from step 6. It will now give you some long string of text. SAVE THIS TO THAT NEW USB STICK DONT REUSE THE ONE WITH THE .JSON FILE AND YOUR PRIVATE KEY! Stick this new USB stick into another computer, [go here](https://www.myetherwallet.com/#offline-transaction) again, in the box labeled "signed transaction" paste that text you just saved in and click "send transaction". BOOM.
+
+if this works then you now a) know your brand spanking new wallet works and b) know how to do a super secure offline transaction - hackers be damned you're pretty secure and safe now!
+
+-----
+
+#Hardware wallet
+
+I believe an air gap generated paper wallet is the most secure approach, but if you want a hardware wallet I would read up on the [Ledger and the TREZOR](https://bitcoinworldwide.com/ethereum/hardware-wallets/), although these are difficult to find right now due to large demand.
+[https://on.ft.com/3gUWUIZ](https://on.ft.com/3gUWUIZ)  
+
+
+​
+
+SoftBank is the “Nasdaq whale” that has bought billions of dollars’ worth of US equity derivatives in a move that stoked the fevered rally in big tech stocks before a sharp pullback on Thursday, according to people familiar with the matter.
+
+The Japanese conglomerate has been snapping up options in tech stocks during the past month in huge amounts, contributing to the largest trading volumes in contracts linked to individual companies in at least 10 years, these people said. One banker described it as a “dangerous” bet.
+
+The aggressive move into the options market marks a new chapter for the investment powerhouse, which in recent years has made huge bets on privately held technology start-ups through its $100bn Vision Fund. After the coronavirus market tumult hit those bets hard, the company established an asset management unit for public investments using capital contributed by its founder Masayoshi Son.
+
+Now it has also made a splash in trading derivatives linked to some of those new investments, which has shocked market veterans. “These are some of the biggest trades I’ve seen in 20 years of doing this,” said one derivatives-focused US hedge fund manager. “The flow is huge.”
+
+The surge in purchases of call options — derivatives that give the user the right to buy a stock at a pre-agreed price — has been the talk of Wall Street in recent weeks, as the sheer size of the trades appears to have exacerbated a “melt-up” in many big technology stocks over the summer. Shares in Tesla soared 26 per cent in under a week to September 1, while Amazon and Google parent Alphabet gained about 9 per cent.
+
+One person familiar with SoftBank’s trades said it was “gobbling up” options on a scale that was even making some people within the organisation nervous. “People are caught with their pants down, massively short. This can continue. The whale is still hungry.”
+
+The options boom means that the US stock market remains vulnerable to further bursts of volatility, according to Charlie McElligott, a strategist at Nomura. “The street is still very much in a dangerous space, and that flow is still out there,” he said in a note on Friday, adding that this leaves the market open to swings higher or lower.
+
+The overall nominal value of calls traded on individual US stocks has averaged $335bn a day over the past two weeks, according to Goldman Sachs. That is more than triple the rolling average in 2017 to 2019. The retail trading boom has played a big part of the frenzy, but investors say the size of many recent option purchases are far too big to be retail-driven.
+I know this type of thread comes up every once in a while but I haven’t seen anything recently since rates have surged. 
+
+My family has outgrown our current home and is looking to make a move soon. We have 5.5m in stocks, 2.5m in cash (DCAing from a recent liquidity event) and a 750k home. 350k income, with an additional 3-15m expected over the next two years from earnouts related to a previous business sale. 
+
+Budget for new home is up to 3m, but targeting 2-2.5. 
+
+Mortgage rates have me a bit freaked out - curious if anyone has any interesting ideas on securing a lower rate. Pay cash and take out HELOC? Pledged asset mortgage? Something more interesting? Would love to hear ideas!
+My dad was making ~700-800k/yr for some time and recently bumped up to a bit over a million a year, but he's nearing retirement age, probably will retire in the next decade. He knows a lot of people in similar high salaried positions - VPs, directors, CFOs, leadership for each region/vertical, etc. - basically the fairly common "did very well in a corporate career" outcome. 
+
+In all those positions, it seems like it's pretty hard to exceed a ~$1m/yr salary, maybe $2m if you're in finance, without being very close to the top at a very big company. 
+
+So there's a bunch of people making maybe 1m a year for 10 years (since they're typically nearing retirement when they hit their peak), and they retire with liquid savings somewhere in the 10-20m range.
+
+My question is, what are some paths from that 10-20m "I got paid a pretty big salary" range to the ultra HNW 30m+ range which seems to be mostly dominated by business owners and CEOs? 
+
+Is it most common to just invest and hope you get a bit lucky? What options are available at that 10-20m NW range to try to grow your wealth faster (hopefully reaching bigger numbers close to retirement, rather than well after)? Real estate? Private equity? Angel investing?
+A friend of mine has recently purchased (well, partially paid up front and partially leased) an expensive car, which I think was a very bad financial decision. He didn't even had enough money to complete the first payment to get the car, so he had to borrow some money from family and friends . I think this is super ridiculous. I mean, why would you ever buy something if you don't have the money for it? 
+
+Aside from that, cars are not only expensive in purchasing, but also in maintenance. The reason of purchasing was because he had to drive a lot to his work, which made it even sound more ridiculous to me, since it damages the car everytime you go to work, consequently reducing the worth of the car and therefore your financial situation. He argues that he values the comfort and quality....
+
+I know that everyone has different interests and hobbies, but I wanted to gain some insights from you guys about how you think of this. **Do you think it is worth to buy an expensive car (let's say a Mercedes-Benz, BMW or Audi) with just a few options? Or would you rather buy a less fancy car with full options?**
+Now I know that in the US there is no tax on retaining assets and that only capital gains are taxed on selling them.
+
+I also don't see anything blocking me from using Uniswap to trade between USDC and ETH until I wish to withdraw in real USD through a bank. Unsure whether the government or anybody knows that this is MY ETH and whether or not I should report it to the government.
+
+But then I realized I couldn't be sure what they knew or would know in the future because I know the government needs tax just as much as I need air and that they'll go to whatever length to get it as much as possible.
+
+If ETH pumps to $50k and my portfolio goes up with it, I could swap it for USDC on a DEX and just HODL. How will the IRS ever know? Not sure I’m a fan of giving them $5 million, surely I’m not alone?
+
+Then again this is all in my head and I believe the regulations are arbitrary, difficult, and enforced with tremendous prejudice, which is why I should probably consult a tax professional in addition to [CryptoTaxCalculator](http://cryptotaxcalculator.io/?r=1) or [Koinly](https://koinly.io/?r=1).
+When someone says 'Shit or get off the pot' .. what they mean is.. hurry up and do what you say you are going to do, or get off the toilet.
+
+Its very possible by RC tweeting about taking a shit, he is basically saying, i am doing what you think i'm doing. Not only that but by actually taking a shit in the metaverse, he is saying i am doing what you think i'm doing in the metaverse space.
+
+If you consider the noise being made by some of the detractors, who play on the lack of announcement, what he could be saying is.. we are not just planning on doing a shit, we are actually currently taking a shit in the metaverse. We are DOING. RIGHT NOW.
+
+Ignore the noise about no announcement.. or those pushing Gamestop to hurry up and say.. RC is a (doo)dooer, not a talker.
+
+When he is done taking a shit in the metaverse space, you wont need to be in the metaverse to see it. This shit will be visible for all to see.
+Cheapest way to cash a $20,000 check and if I owe student loans how to make sure I get the funds myself to get on my feet first, and then getting into a payment plan? Can the DOE seize the money as the check is being cashed? What about the State Equalization Board if I owe some rediculous amount of tickets? NYC resident. I have so much bad debt and have been homeless so long I don't even know who is going to try and get the money first. I'm definitely not attempting to evade my bills, I'm simply hoping to use the settlement check to get an apartment, some clothes, pay for going back to school, get some treatment, find a job and advance my life, rather than use the first money I've had in a long long time to pay off a defaulted loan and a ton of penalties on unpaid warrants and court fines, jaywalking and vagrancy tickets, hospital bills, old tax debts I probably don't even know about. Can I sign the check over to a family member I trust? Can a professional service cash it for me and put it in some kind of trust? Basically, how can I use this check to fix my life rather than see it vanish immediately before my eyes. I'm scared to hand it to a teller. Can they seize the money right away? Can anyone even cash a check this big without me having an account? I don't have a bank account, a safe, nothing. What do I do? Thanks in advance for your kind advice reddit.
+
+
+Edit: I know for a fact that I have at least 10k in student loans I never paid back, 120k in hospital bills, at least another 10k in city tickets, and probably 20k or more from back taxes from before I lost my job half a decade ago.
+I feel like I'm spending more mental bandwidth than necessary planning my RE, essentially living in the future.  Spouse and I still take vacations and enjoy the moment, but I find myself "spinning my wheels" planning or calculating when we can quit working.
+
+Will give a brief summary of where I"m at in the FIRE journey in case it's relevant.  35 years old, spouse (31) and I have been good saving in the past but didn't get serious about FIRE as early as I wished.  140kish  household annual salary (bonus can drive it higher), about 65% savings rate vs take home, 200k NW with about 140k liquid primarily in tax shelters.  Happy to provide details if requested but don't think its pertinent here.
+
+Most of our plan is set on autopilot as our investment contributions are automatic via employer or auto-deposit.  We are projecting a retirement in 10 to 13 years dependent on market returns and what will be a decision of "how much do I dislike working vs how much luxury spending do I want" that won't be made until closer to the retirement date.  We are mostly on autopilot, aiming for a retirement nest egg of $1.8m-$2.25m that we should hit when I'm 45 to 50 if I don't see significant promotions.  Jobs aren't extremely stressful compared to what we have worked, and we intentionally plan time away from work relatively well (4 to 5 weeks vacation for each of us annually which is pretty good in the US), though we have a 40 minute commute each way that drains some of our time.
+
+With things mostly in order and just playing to the waiting game, I still find myself spending an inordinate amount of time building out our post-retirement plans (some vacation planning which is helpful) and re-re-re-reviewing our income projections (not helpful).  Have you found  yourself in the same spot, and how did you get out of this trap?  I'm happy to plan for the future but I feel like looking forward 10 years all the time with no further planning needed isn't a healthy mindset...
+Your markets are run by bots. Now your /r/Asx_bets daily threads are too.
+
+Read the [wiki](https://www.reddit.com/r/asx_bets/wiki/index/) people[.](https://styles.redditmedia.com/t5_2hqqj5/styles/communityIcon_41pmnaqp4zn41.png?width=256&s=59bf38425fb316fdcba30365b272a5f19352f370)
+
+[Posts relating to the "Is /r/ASX\_bets about finance or effect your mental health?" etc will lead to a ban of the mods chosing. You have been warned.](https://www.reddit.com/r/ASX_Bets/comments/l0l9et/the_does_asx_bets_effect_your_finances_emotions/?utm_medium=android_app&utm_source=share) 
+
+Automoderator may provide "Guidance" for Lazy and zero effort posting.
+
+[We have an active official/unofficial discord. It's open to all discussions, stonks related and non-stonks related.](https://discord.gg/ywAGqfUAQE)
+Your markets are run by bots. Now your /r/Asx_bets daily threads are too.
+
+Read the [wiki](https://www.reddit.com/r/asx_bets/wiki/index/) people[.](https://styles.redditmedia.com/t5_2hqqj5/styles/communityIcon_41pmnaqp4zn41.png?width=256&s=59bf38425fb316fdcba30365b272a5f19352f370)
+
+[Posts relating to the "Is /r/ASX\_bets about finance or effect your mental health?" etc will lead to a ban of the mods chosing. You have been warned.](https://www.reddit.com/r/ASX_Bets/comments/l0l9et/the_does_asx_bets_effect_your_finances_emotions/?utm_medium=android_app&utm_source=share) 
+
+Automoderator may provide "Guidance" for Lazy and zero effort posting.
+
+[We have an active official/unofficial discord. It's open to all discussions, stonks related and non-stonks related.](https://discord.gg/wsNDGTf5QH)
+Your markets are run by bots. Now your daily threads are too.
+
+​
+
+This thread is for plans and thoughts prior to the market open period.
+
+Maybe use this time to read the [wiki](https://www.reddit.com/r/asx_bets/wiki/index/) [.](https://styles.redditmedia.com/t5_2hqqj5/styles/communityIcon_41pmnaqp4zn41.png?width=256&s=59bf38425fb316fdcba30365b272a5f19352f370)
+
+​
+
+Posts relating to the "Is /r/ASX_bets about finance or effect your mental health?" etc will lead to a ban of the mods chosing. [You have been warned](https://www.reddit.com/r/ASX_Bets/comments/l0l9et/the_does_asx_bets_effect_your_finances_emotions/?utm_medium=android_app&utm_source=share).
+
+​
+
+[We have an active official/unofficial discord. It's open to all discussions, stonks related and non-stonks related](https://discord.gg/ywAGqfUAQE).
+Your markets are run by bots. Now your /r/Asx_bets daily threads are too.
+
+Read the [wiki](https://www.reddit.com/r/asx_bets/wiki/index/) people[.](https://styles.redditmedia.com/t5_2hqqj5/styles/communityIcon_41pmnaqp4zn41.png?width=256&s=59bf38425fb316fdcba30365b272a5f19352f370)
+
+[Posts relating to the "Is /r/ASX\_bets about finance or effect your mental health?" etc will lead to a ban of the mods chosing. You have been warned.](https://www.reddit.com/r/ASX_Bets/comments/l0l9et/the_does_asx_bets_effect_your_finances_emotions/?utm_medium=android_app&utm_source=share) 
+
+Automoderator may provide "Guidance" for Lazy and zero effort posting.
+
+[We have an active official/unofficial discord. It's open to all discussions, stonks related and non-stonks related.](https://discord.gg/ywAGqfUAQE)
+Your markets are run by bots. Now your daily threads are too.
+
+​
+
+This thread is for plans and thoughts prior to the market open period.
+
+Maybe use this time to read the [wiki](https://www.reddit.com/r/asx_bets/wiki/index/) [.](https://styles.redditmedia.com/t5_2hqqj5/styles/communityIcon_41pmnaqp4zn41.png?width=256&s=59bf38425fb316fdcba30365b272a5f19352f370)
+
+​
+
+Posts relating to the "Is /r/ASX_bets about finance or effect your mental health?" etc will lead to a ban of the mods chosing. [You have been warned](https://www.reddit.com/r/ASX_Bets/comments/l0l9et/the_does_asx_bets_effect_your_finances_emotions/?utm_medium=android_app&utm_source=share).
+
+​
+
+[We have an active official/unofficial discord. It's open to all discussions, stonks related and non-stonks related](https://discord.gg/wsNDGTf5QH).
+Your markets are run by bots. Now your daily threads are too.
+
+​
+
+This thread is for plans and thoughts prior to the market open period.
+
+Maybe use this time to read the [wiki](https://www.reddit.com/r/asx_bets/wiki/index/) [.](https://styles.redditmedia.com/t5_2hqqj5/styles/communityIcon_41pmnaqp4zn41.png?width=256&s=59bf38425fb316fdcba30365b272a5f19352f370)
+
+​
+
+Posts relating to the "Is /r/ASX_bets about finance or effect your mental health?" etc will lead to a ban of the mods chosing. [You have been warned](https://www.reddit.com/r/ASX_Bets/comments/l0l9et/the_does_asx_bets_effect_your_finances_emotions/?utm_medium=android_app&utm_source=share).
+
+​
+
+[We have an active official/unofficial discord. It's open to all discussions, stonks related and non-stonks related](https://discord.gg/wsNDGTf5QH).
+Your markets are run by bots. Now your /r/Asx_bets daily threads are too.
+
+Read the [wiki](https://www.reddit.com/r/asx_bets/wiki/index/) people[.](https://styles.redditmedia.com/t5_2hqqj5/styles/communityIcon_41pmnaqp4zn41.png?width=256&s=59bf38425fb316fdcba30365b272a5f19352f370)
+
+[Posts relating to the "Is /r/ASX\_bets about finance or effect your mental health?" etc will lead to a ban of the mods chosing. You have been warned.](https://www.reddit.com/r/ASX_Bets/comments/l0l9et/the_does_asx_bets_effect_your_finances_emotions/?utm_medium=android_app&utm_source=share) 
+
+Automoderator may provide "Guidance" for Lazy and zero effort posting.
+
+[We have an active official/unofficial discord. It's open to all discussions, stonks related and non-stonks related.](https://discord.gg/wsNDGTf5QH)
+Your markets are run by bots. Now your daily threads are too.
+
+​
+
+This thread is for plans and thoughts prior to the market open period.
+
+Maybe use this time to read the [wiki](https://www.reddit.com/r/asx_bets/wiki/index/) [.](https://styles.redditmedia.com/t5_2hqqj5/styles/communityIcon_41pmnaqp4zn41.png?width=256&s=59bf38425fb316fdcba30365b272a5f19352f370)
+
+​
+
+Posts relating to the "Is /r/ASX_bets about finance or effect your mental health?" etc will lead to a ban of the mods chosing. [You have been warned](https://www.reddit.com/r/ASX_Bets/comments/l0l9et/the_does_asx_bets_effect_your_finances_emotions/?utm_medium=android_app&utm_source=share).
+
+​
+
+[We have an active official/unofficial discord. It's open to all discussions, stonks related and non-stonks related](https://discord.gg/ywAGqfUAQE).
+Your markets are run by bots. Now your daily threads are too.
+
+​
+
+This thread is for plans and thoughts prior to the market open period.
+
+Maybe use this time to read the [wiki](https://www.reddit.com/r/asx_bets/wiki/index/) [.](https://styles.redditmedia.com/t5_2hqqj5/styles/communityIcon_41pmnaqp4zn41.png?width=256&s=59bf38425fb316fdcba30365b272a5f19352f370)
+
+​
+
+Posts relating to the "Is /r/ASX_bets about finance or effect your mental health?" etc will lead to a ban of the mods chosing. [You have been warned](https://www.reddit.com/r/ASX_Bets/comments/l0l9et/the_does_asx_bets_effect_your_finances_emotions/?utm_medium=android_app&utm_source=share).
+
+​
+
+[We have an active official/unofficial discord. It's open to all discussions, stonks related and non-stonks related](https://discord.gg/wsNDGTf5QH).
+Your markets are run by bots. Now your daily threads are too.
+
+​
+
+This thread is for plans and thoughts prior to the market open period.
+
+Maybe use this time to read the [wiki](https://www.reddit.com/r/asx_bets/wiki/index/) [.](https://styles.redditmedia.com/t5_2hqqj5/styles/communityIcon_41pmnaqp4zn41.png?width=256&s=59bf38425fb316fdcba30365b272a5f19352f370)
+
+​
+
+Posts relating to the "Is /r/ASX_bets about finance or effect your mental health?" etc will lead to a ban of the mods chosing. [You have been warned](https://www.reddit.com/r/ASX_Bets/comments/l0l9et/the_does_asx_bets_effect_your_finances_emotions/?utm_medium=android_app&utm_source=share).
+
+​
+
+[We have an active official/unofficial discord. It's open to all discussions, stonks related and non-stonks related](https://discord.gg/ywAGqfUAQE).
+As you can see [here](https://twitter.com/ryancohen/status/1503924247198150666?t=Juh-mN9-m5v0FLR_NSGytw&s=19) RC tweets about short sellers. His next tweet that is not a retweet or reply is one that shows he loves his company and puts his money where his mouth is, he isn't allowed to buy until the following Tuesday which he follows up with this [tweet](https://twitter.com/ryancohen/status/1506395956832612354?t=HDYWbUWSh4e__2O_6KIFgA&s=19) buying 100k moar shares. 
+
+Based on this in-depth analysis I can deduce that RC will buy moar shares tomorrow based on his [latest tweet](https://twitter.com/ryancohen/status/1509373047094063106?t=58e3i-dAuv3r4PllBv0a3w&s=19) fighting against the HF SHORT Sellers and buying $10M or 100k moar shares.
+
+This is not financial advice and I am not a financial advisor. 🏴‍☠️🏴‍☠️🏴‍☠️🚩🚩🚩
+➕I live in Ireland and there are 2 big factors which destroy the benefits of investing into an ETF. 
+➕I’m 18 and would love to invest in VUSA for 40 years but I realize that it will not be worth it due to tax. 
+➕In Ireland there is a flat exit tax rate of 41% on ETF’s (even if you hold for a long time). This is only the case with ETF’s and not individual stocks. 
+➕There is also an 8 year “deemed disposal” rule which means that if you hold an ETF for 8 years you must pay taxes on an gains made it that time (even if you don’t sell. You still have to calculate the gains and pay the taxes). 
+This means that if I was to hold VUSA for 40 years I would pay 41% on all my gains every 8 years. (This ruins the power of compound interest). 
+➕So I have come up with an equivalent plan but am still unsure if it is the correct approach:
+I can create my own Pie of individual stocks just like an ETF (maybe only 30-50 stocks) and expose myself to all sectors and hopefully match the S&P 500’s returns (hopefully). And now I avoid the 8 year deemed disposal rule because this is technically not an ETF but my own pie.
+➕And secondly to avoid the 41% exit tax in 40 years I could move to a country with low Capital gains tax and sell my stocks there to avoid paying almost half of the gains. 
+I want to know if this approach is a terrible idea or if it just might work over a long period of time.
+You do NOT need $25K to day trade. If this was the case, most newbie traders would not be trading. Research the PDT rule OR trade using a cash account.  I keep reading in the comments "you need 25K to day trade"  This is not a true blanket statement and It's confusing a lot of new traders.
+I started doing the theta gang strategies back in September 2020 and I wrote up some of my lessons learned as a beginner trader. I hope this helps someone make fewer mistakes than I did. 🤗
+
+[https://major.io/2021/01/04/lessons-learned-from-selling-puts/](https://major.io/2021/01/04/lessons-learned-from-selling-puts/)
+For most people here having your freedom is the first requirement. A comfortable life from there on where you are able to afford basic needs and any fun things you want to do. Then let's add being able to help kids become financially independent as well to this. 
+
+Considering a MCOL, this will require 80k for you as a couple and 60k each for let's say 2 kids for a total of 200k per year or 5m networth. This can be considered FatFIRE. 
+
+For those folks pushing beyond this point, what's the motivation for you?
+Recently I'm lucky enough to get windfall selling my business for a low 8-digits. I'm in my late 30s, living in a MCOL in Asia with a big (8 person) family to take care of. I'm a sole breadwinner. So even though we live quite modestly, $200k/year seems to be quite tight for the last few years. If I want to give my family a more comfortable life, I figure around 400k/year is quite sufficient (33-35k/month)
+
+I shared that goal with my private banking guy. And he proposes to put $5-7m in a variety of Fixed Income funds, which on average deliver around 5-6%+/year return on a monthly basis but require 1% fee upfront => This creates 200-300k/year passive income. To achieve the rest of the 400k goal, he suggest to take a loan from a bank (can go up to 8-digits) to buy more Fixed Income funds.
+
+I never invest in Fixed Income funds before, so I'm not sure it's the right approach to achieve my goal while preserve my hard earned cash for the long-term. Any suggestion here is very welcome and appreciated.
+Im a 22 year old guy I live with my single mum. I find a job but every time the starting day comes i turn into an anxious wreck. I had worked with family doing air conditioning installs in sydney and KFC up until 2017 when i had a brain aneurysm burst. My HSC studies went out the window and so did my chances of driving and such. I feel like im letting my mother and family down by not making enough money. I am on the DSP at 500 dollars weekly. Should i speak to a psychologist? Im not sure what to do? Im young and everyone wants me to work plus i feel like i owe it to them for helping me. I dont really know what to do.
+
+An update 20/9/22: I have a list of things to discuss with my gp and an appointment is booked for tomorrow, i spoke to my mother and am having a discussion with my sister over dinner tonight about anxiety.  I will continue to update you all next week! Thanks so much everyone.  
+An older neighbor-friend approached me today and asked if I was interested in buying her home and renting it to her.  She has a bunch of small issues in the home that needs repaired, and I think she sees this as a way to resolve all this.  We already occasionally help her with issues.  I could see this becoming a hassle if she needed a lot of things.  
+She has family out of state, no husband or kids.
+How should I approach this?  She has a home that could be worth $550k if it was in great shape.  I don’t know what it’s worth at this point since it’s not updated.
+I have to get a new stainless steel fridge. I would've thought an ice-maker/water-dispenser was ubiquitious at this point, but I'm seeing plenty of very nice stainless stell appliances (not low-end) that dont have this, so it is making me rethink how expected that might be. I'd rather buy one without so there is less to go wrong and repair as time goes on. Wonder how other folks approach appliance purchases.
+Hi, So basically I have very strict Asian parents. And for them, it's either you become a doctor or you work minimum wage jobs there is no in-between. And recently the home environment is very toxic for me. The only thing they do is demoralize me all the time. I have enrolled in Lambda Bootcamp course for front-end web development. It's starting on September 28 and ending around March and hopefully, after that I will have a decent job. For now, I was thinking of moving to Seattle but before moving I was planning to buy a used card in Connecticut (I am in ct right now).  I have around 10K in savings. My credit score is 734 Experian. And my total credit limit at the moment is 21000. I have 1 personal loan of 5000. I have paid about 600$ so far and all my credit card payments and loan payments are always on time. In Seattle, I plan on working part-time as a uber driver while studying in the day. What would be the best financial advice for someone in my place? and how exactly should execute my plan to move? 
+
+I was also looking at studio apartments in Seattle and they were between 700-1200. Do you think I would be able to afford a studio apartment with my uber job? Here is what I thought of finance a car - move to Seattle - change my driving licence to Washington - transfer my plates- buy the insurance and start studying and working.
+The last time The Fed raised rates was from 2015-2018. Look at a chart during that time. If you don’t, there was a heavy drop at the end of 2015 into the beginning of 2016, but then the market rallied from 2016 all the way through 2017 while they continued to increase the rate. It wasn’t until 2018 that the market started topping. There was a significant drop at the end of 2018 but it recovered quickly in 2019. 
+
+The point here is that the market doesn’t implode and drop 70% just because The Fed raises rates.
+
+Now fast forward to today. If you look at the nasdaq, there is a possible double bottom pattern. The market is currently testing the lows from February and March. If the market can rebound from around these levels, the divergence in RSI on the daily chart and the MACD on the weekly chart will be confirmed. That would be very bullish for the next few months.
+
+Sure the markets could fall lower from here but this doesn’t look like a doomsday scenario to me.
+At my workplace, I am given a certain amount of hours for a task each week. If I don’t complete the task I’m told I need to do it in my own time. However I’m paid hourly. For example if they say it should take 4 hours and it takes me 6, they’ll pay me 4. I have frequently told them how we aren’t given enough time each week for this task and they say we are allocated enough time and it’s our fault if it takes longer. However, almost every staff member says they do unpaid overtime. 
+I rang fair work ombudsman and they said that they do have to pay us for the work we do (shockingly).
+However I’ve come back to my workplace and said you need to pay me, and they’ve declined to do so, again citing it’s my fault I need more time than they allocate. 
+Am I wrong for wanting to be paid for how long the work takes?
+This is not for the 'help i have $30 to get til payday' crowd, sorry. This is for the 'I don't fit in a r/personalfinance because if I see one more post about some 20-something in a loft in NYC that their parents pay for getting $50k as a gift from a random relative I'm going to come through the computer screen shrieking' crowd.  
+
+If you're broke with a mortgage (like me) now is a good time to call up your mortgage people and ask about refinancing your loan - if you've had it for longer than a year and you have decent credit, the rates are really good right now and most of the (re)closing costs can get rolled into the new mortgage and still save you a pretty substantial amount of money over the long term. 
+
+Doesn't hurt to call and check, and then pick another reputable bank or credit union and call and check there too and leverage them against each other to see if you can wriggle an extra percentage point off of them with some healthy competition.  
+
+Just an FYI if anyone has a crappy mortgage rate they'd like to try and get out from under.
+As everyone learned this morning, Robinhood announced a layoff of 9% of their full time employees. This morning I had the very fortunate pleasure of learning that this number is likely much larger. 
+
+Before I get into my connection let me preface by saying I get it, this is all he said she said stuff. But my connection is true and I know it is, so you do what you want with the information I’m forwarding to y’all. Y’all are family and I’ve been here since January of last year but I get how posts like these typically make people skeptical. I love y’all no matter what. Okay here ya go. 
+
+. This morning I was working with a client that I have seen regularly for the last few months and we were having a conversation about work and jobs etc. They work in recruiting at a very large firm. They by happen chance asked if I had seen the news about Robinhood this morning. I said yes (thinking of course I knew, I’m on ss all damn day) and that I do not like Robinhood and I’m surprised they are still in business. They said that they have a very close friend they grew up with who does recruiting for Robinhood and was very worried last night about losing their job. Client stated that the friend made the cut but that the true number is actually 40% of Robinhood’s staff were laid off. At this point my jaw was open. Client stated that they think what they did was lay off 9% of their “full time employees” and the rest may have been contracted employees. They then stated the friend had to sign an nda and that this is all supposed to be secret. Lol. So my client didn’t have too much other information. This makes since because big firms like Deloitte etc. do typically hire contracted employees. This also gives reason as to why they reported it the way that they did. Kept things very hush hush making it seem as though it’s not as bad as it actually is. 
+
+My client also told me that they have to let go 150 of their staff this week. 
+
+So many big companies starting to lay employees off. Sounds like something is going down. 
+
+Anyways this made my morning interesting, and just wanted to share.
+
+Edit: changed verbiage to not give too much information for protection purposes.
+
+More edits: for more obscurity/security for those involved.
+
+Edit: was reached out to by a CNBC writer for more info. Marked her as spam. Lol.
+I've seen some posts ridiculing the comments and posts on here...and yeah some of them are stupid. But I've noticed an uptick in activity on the subreddit recently and because of it I hit on MVIS, ZOM, MARK this past week.  Love the recommendations and reading the comments/reasoning on both sides.  Just wanted to say not to listen to the discouraging posts...lets keep generating conversation so we can each do our own DD to find the winners.  Thanks boys.
+I don’t get it. Every 2 to 10 acre property in rural oz thinks they are worth $1M. The blocks aren’t anywhere near sized large enough to make an income, and you can’t drive to a decent job.
+
+Pinjarra hills in Brisbane gets you an acreage for $1.1M and you can drive to the cbd for your high paying job easy. 
+
+What gives? Are the rural properties asking for 1 and selling for 0.5?
+*This piece will be posted at 4:20 pm NYSE time every trading day!*
+
+https://preview.redd.it/zqd7g3fc7v671.png?width=1426&format=png&auto=webp&s=e233476c2c231a76280835bb6923ba71e22f8b2f
+
+\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_
+
+# 🎤🎸🥁 🦍Welcome to the Jungle🦍🥁🎸🎤
+
+\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_
+
+# Today's Recap 📈
+
+# $GME Closing Price: $220.40
+
+​
+
+Open Price: $217.73
+
+Daily High: $225.88
+
+Daily Low: $209.17
+
+Volume: 8.15 MM
+
+\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_
+
+# 🖍🍎🚌GME 101🚌🍎🖍
+
+​
+
+*If you're new to Superstonk, start here!*
+
+​
+
+[Superstonk FAQ](https://www.reddit.com/r/Superstonk/wiki/index/faq#wiki_how_do_i.2C_as_a_retail_investor.2C_stand_a_chance_against_the_hedge_funds.3F) (Updates coming soon)
+
+[Superstonk Wiki](https://www.reddit.com/r/Superstonk/wiki/index)
+
+**NEW!!** We will be having a "Smooth Brain Sunday Megathread" every Sunday as a place to ask all the questions you've been wanting to get answered! Please be advised that all answers provided are from individual users and, as always, any information you receive requires doing your own due diligence!!
+
+The apes of [r/Superstonk](https://www.reddit.com/r/Superstonk/) sincerely appreciate the time and effort put into getting this information out there. 🦍🤝💪
+
+\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_
+
+# 🎉 HYPE WEEK 🎉
+
+​
+
+**Monday**\- NSCC-2021-002 approved
+
+**Tuesday**\- Gamestop completes 5 MM share ATM offering and makes A BILLION BUCKS AND SOME CHANGE NBD
+
+**Wednesday**\- NSCC-2021-002 Implemented
+
+**Thursday**\- T+21
+
+**Friday**\- $GME officially joins the Russell 1000 Index!
+
+​
+
+​
+
+[credit u\/Challenger05](https://preview.redd.it/j08wbwaz0v671.png?width=500&format=png&auto=webp&s=64c95435a6cb75184bfca70db18065ee123c8d1a)
+
+\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_
+
+# It is Finished- Gamestop just got infused with $1.12 Billion in Ca$h
+
+​
+
+https://preview.redd.it/32yx1p9eru671.png?width=1064&format=png&auto=webp&s=ae99a746d3de75fc68d0e3af94be1888c96aaf99
+
+And with that, Chairman Cohen is now free to take over and dominate the retail marketplace.
+
+​
+
+Bankruptcy was already off the table, but now we have a world class team of executives leading the revolution of a gaming company, (one of the largest and fastest growing industries in the world) and they just got a Billion bucks to do whatever they want with. Seems to me like a solid company to invest in, especially long-term.
+
+​
+
+MSM and retail have no idea what's about to hit them.
+
+​
+
+​
+
+https://preview.redd.it/b1p27enx3v671.jpg?width=908&format=pjpg&auto=webp&s=7bb155d200388ae155c8992d8400121afd9a2dd9
+
+\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_
+
+# Russell 1000 Index
+
+​
+
+This Friday $GME gets to finally sit at the big kids' table and get bumped up to the Russell 1000, which represents the top 1000 companies by market capitalization in the United States.
+
+​
+
+And I've seen a lot of discussion of whether this means that shorts will have to cover the ETFs they shorted that contained $GME. The answer, as far as I can tell, is no. Well.... not necessarily....
+
+​
+
+u/dlauer clarified that in this comment:
+
+"*There's not really any kind of short-covering requirement when a stock gets added to an index.* ***However, the announcement is usually bullish because it adds buying pressure.*** *Russell rebalancing day is the the CRAZIEST day in the stock market. Volatility and volume is usually the highest on that day, as stocks are added and removed from Russell indices, and weightings are changed. A bunch of ETFs follow Russell indices and need to rebalance their portfolios to reflect the new index composition in order to minimize tracking error. So getting added is a big deal, and leads to a lot of buying pressure from those ETFs (and from people trading ahead of that addition and trying to get the alpha between the announcement and rebalance dates).*"
+
+​
+
+So don't get toooo hyped thinking that this will be some sort of catalyst by forcing shorts to cover. Yes, all shorts must cover eventually, but this is not that. Still cool af thoough!
+
+​
+
+https://preview.redd.it/hvtfmzrrcv671.jpg?width=940&format=pjpg&auto=webp&s=1b507943ea550852d382e2ec8a60763d4edc5a4c
+
+\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_
+
+# In Today's Nightmare Fuel- RRP Hit a new Daily Record
+
+​
+
+$791 Billion with 74 participants 👀
+
+​
+
+[credit to u\/pctracer ](https://preview.redd.it/o0ycga5jev671.png?width=689&format=png&auto=webp&s=b72cee30542fdc2596e575ec3910ec559bcea5f4)
+
+​
+
+​
+
+If you need the ELIA on RRP: [**Reverse Repo Operations- Explaining their purpose**](https://www.reddit.com/r/Superstonk/comments/o27k2h/reverse_repo_operations_explaining_their_purpose/) **by** u/Kintsugi2
+
+​
+
+\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_
+
+# Recommended Reading from u/Bye_Triangle
+
+​
+
+An adventure through the looking glass, highlighting the connections between the Crypto Market, the GME saga, and all the shady characters that could be involved. Broken into 5 parts, it is a lot to take in but u/con101smd does an amazing job of breaking it all down and walking you through it. Highly recommend giving it a read if you haven't already! Here is the first part:
+
+​
+
+[**TLC: THE LONG CON: The markets are frothing with liquidity.**](https://www.reddit.com/r/Superstonk/comments/o5pq2u/tlc_the_long_con_the_markets_are_frothing_with/)
+
+​
+
+\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_
+
+# The Meeting of the (Money) Minds- FSOC (Financial Stability Oversight Council)
+
+​
+
+*Yesterday we talked about how all the top financial regulation officers in the country were having a little meeting. It turns out the people in attendance yesterday had one very relevant thing in common- they are all voting members of the FSOC (Financial Stability Oversight Council) which held their "Liftoff" press conference just last week.*
+
+​
+
+# [This DD written by](https://www.reddit.com/r/Superstonk/comments/o5dd2c/the_regulators_that_met_with_biden_today_yellen/) u/Valtani [did an excellent job mapping out exactly who was in attendance. ](https://www.reddit.com/r/Superstonk/comments/o5dd2c/the_regulators_that_met_with_biden_today_yellen/)
+
+​
+
+[**From the post:**](https://www.reddit.com/r/Superstonk/comments/o5dd2c/the_regulators_that_met_with_biden_today_yellen/)
+
+As we all know, the Dodd–Frank Act is a federal law that was enacted in 2010. The law overhauled financial regulation in the aftermath of the Great Recession. The Act also created a new agency, the Financial Stability Oversight Council (FSOC).
+
+The FSOC, chaired by the Secretary of the Treasury, *brings together the expertise of the federal financial regulators, an independent insurance expert appointed by the President, and state regulators. The Council has a clear statutory mandate that provides new accountability to Congress and the American people by identifying emerging threats to financial stability and to coordinate regulatory actions to address them. The Council has important new authorities to constrain excessive risk in the financial system.*
+
+The Council is made up of 10 voting members and 5 nonvoting members.7 of the 10 voting members were in attendance at today’s meeting with Biden:
+
+1. **Janet Yellen, the** [**Secretary of the Treasury**](https://home.treasury.gov/about/general-information/officials/janet-yellen) who serves as the Chairperson of the Council; she’s a former **Fed** boss and replaced Bernanke, who’s been an employee of Citadel since 2016. She also happens to have received speaking fees from Citadel, Goldman Sachs, Barclays, and UBS during 2019 and 2020. She acknowledges receiving speaking fees from Wall Street banks in 2018 but doesn’t say how much those fees amounted to. Yellen has been dubbed the most powerful woman in the world.
+2. **Jerome Powell,** [**the Chairman of the Board of Governors of the Federal Reserve System**](https://www.federalreserve.gov/aboutthefed/bios/board/powell.htm). The **Fed** chief. Powell spent decades managing banks and private equity firms. *In November 2020, as markets reached record valuations – despite a weak economy, divided Congress, and trade wars –* [*Bloomberg*](https://en.wikipedia.org/wiki/Bloomberg_L.P.) *called Powell "Wall Street's Head of State", as a reflection of how dominant Powell's actions were on asset prices, and how profitable his actions were for Wall Street. Powell's close associations with shady figures such as Jamie Dimon (CEO of JPMorgan Chase and 5-time felon) have been criticized by congresswoman Katie Porter, who exposed how the Fed chiefs of past and present have used their position to pay off the big banks' debts using taxpayer money, and to make sure their interests were never in jeopardy.* Representing JPMorgan Chase as outside counsel in the matter were lawyers from Kirkland & Ellis (the law firm with which former Attorney General William Barr was associated before coming to the Justice Department) and lawyers from Sullivan & Cromwell, where former SEC Chairman Jay Clayton was a partner before taking the lead at the SEC.
+3. **Michael J Hsu,** [**the Comptroller of the Currency (OCC);**](https://www.occ.treas.gov/about/who-we-are/leadership/index-leadership.html) (the administrator of the federal banking system) “*We ensure that the banks we supervise operate in a safe and sound manner, provide fair access to financial services, treat customers fairly, and comply with applicable laws and regulations*”. The OCC operates under the Treasury Dept. Yellen picked Hsu, a low-level employee at the Fed, to serve as Acting Comptroller of the Currency. The OCC oversees the most dangerous megabanks on Wall Street and reports on their hundreds of *trillions* of dollars in derivative trades. Hsu quickly turned around and appointed Benjamin McDonough as the OCC’s Senior Deputy Comptroller and Chief Counsel. Where had McDonough come from? the Legal Division of the **Fed**eral Reserve.
+4. **Dave Uejio, the acting Director (until nominee Rohit Chopra is confirmed by the Senate) of the** [**Bureau of Consumer Financial Protection**](https://www.consumerfinance.gov/) (CFPB); This government agency’s job is “*dedicated to protecting consumers from unfair, deceptive, and abusive practices, in the financial* marketplace, through the enforcement of federal consumer financial law”. Uejio began his career for the US government in 2006 at the NIH, then for the Department of Defense, prior to his first role at the CFPB. That is all the info I could find about him online.
+5. **Gary Gensler,** [**the Chairman of the Securities and Exchange Commission (SEC);**](https://www.sec.gov/Article/about-commissioners.html) Former investment banker (Goldman Sachs), Chair of the Commodity Futures Trading Commission (CFTC), and former Treasury Dept official. If you are not familiar with the MF Global scandal, read it [here](https://thedig.substack.com/p/gary-gensler-is-not-the-guy). This will make you doubt that Gensler is the tough regulator he’s portrayed to be. Another reason to doubt Gensler’s willingness to do anything of substance at the SEC: He picked Alex Oh as head of Enforcement. Oh worked for 2 decades as an attorney for Paul, Weiss, Rifkind, Wharton & Garrison, the law firm that major Wall Street banks (Citigroup, Deutsche bank, etc) repeatedly choose to fight their serial fraud charges. Brad Karp is the Chairman of Paul Weiss. He has donated millions and lobbied for years to make sure the government doesn’t appoint regulators and prosecutors who will bring his corporate clients to heel. If you’re not sick to your stomach that Wall Street’s top watchdog has been a completely captured regulator under both Democrat and Republican administrations for decades, then you’re simply not paying attention. Btw, the SEC still has not designated a Director of Enforcement. The current "Acting" director, Melissa Hodgman, is the wife of former FBI agent Peter Strzok, who led the investigation into Hillary Clinton's use of a personal email server.
+6. **Jelena McWilliams,** [**the Chairperson of the Federal Deposit Insurance Corporation (FDIC);**](https://www.fdic.gov/about/learn/board/mcwilliams/) “*An independent agency created by Congress to maintain stability and public confidence in the nation's financial system. To accomplish this mission, the FDIC insures deposits; examines and supervises financial institutions for safety, soundness, and consumer protection*”. McWilliams has a law degree. She worked for private firms, then for the **Fed**. McWilliams worked in the United States Senate for six years, first as assistant chief counsel for the Small Business and Entrepreneurship Committee and then as chief counsel and deputy staff director for the Committee on Banking, Housing and Urban Affairs. At the banking committee, McWilliams worked with chairpersons Senator Richard Shelby (R, Alabama) and Senator Mike Crapo (R, Idaho) on, among other issues, the implementation of and *efforts to rework or repeal the 2010* [*Dodd-Frank*](https://en.wikipedia.org/wiki/Dodd-Frank) *banking-regulation reform act.* It sounds like a conflict of interest, doesn’t it? Working to repeal Dodd-Frank and then becoming a voting member of the Financial Stability Oversight Council, which was created by Dodd-Frank to regulate banks.
+7. **Rostin Behnam, the “Acting”** [**Chair of the Commodity Futures Trading Commission (CFTC);**](https://www.cftc.gov/About/Commissioners/RostinBehnam/index.htm) According to his profile on the CFTC website; “*Behnam advocated for the CFTC to use its authority and expertise to ensure the derivatives markets operate transparently and fairly for participants and customers”.* Given the CFTC’s importance, it’s puzzling that President has yet to nominate a chair. The Commodity Futures Trading Commission has been without a permanent chair since President took office in January. “Acting” leadership positions are not sufficient. Since President took office, the acting CFTC chair and the acting director of enforcement have made few public statements to indicate the direction the CFTC will take in the new administration. The CFTC also has a number of unfilled positions in senior leadership, including director of the Enforcement Division and general counsel. There have been no statements about CFTC’s enforcement priorities or what the markets can expect. So here is a powerful market watchdog with no dogs to watch the market!!
+
+TL;DR: The government, its regulatory agencies, and especially the Federal Reserve, have been allowing Wall Street criminal behavior to continue due to conflicts of interest and greed. GME has exposed how financial institutions manipulate the markets through naked short selling, dark pools, swaps, and other types of fraudulent activities. Retail investors can change the status quo by buying and holding GME shares until the SHFs are forced to cover.
+
+​
+
+🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀
+
+\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_
+
+# Community Spotlight
+
+​
+
+[**Lucy Komisar continues to spread the word with her new article on the Gamestop saga.**](https://prospect.org/power/how-the-gamestop-hustle-worked/)
+
+​
+
+**u/** **Criand** [**dropped another fire DD on us, this time about NSCC-2021-005 and T+2. Read it here and prepare thy brain for wrinkles!!**](https://www.reddit.com/r/Superstonk/comments/o5ingt/wait_is_nscc002_about_to_turn_the_t21t35_loop/)
+
+​
+
+​
+
+[RELEASE GRANDMA](https://preview.redd.it/8xuak4acsu671.png?width=640&format=png&auto=webp&s=d07a9236fd7cd98179e90fb36e99af86ab97392a)
+
+Loving these covers by u/zedinstead!
+
+\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_
+
+# We Like the Company! We Support the Company!
+
+​
+
+https://preview.redd.it/5eq6n4l1iv671.jpg?width=1094&format=pjpg&auto=webp&s=f95f2e5952e11857f5129630c0a37364436c6e6b
+
+Obviously you're a shareholder because you love Gamestop and have high hopes for its future. Supporting the company you love on the retail front is a great way for a shareholder to ensure a business' success! Here are several ways you can show your public support for Gamestop;
+
+​
+
+* [**Shop at Gamestop.com**](https://www.gamestop.com/) **🛒**
+* [**Become a PowerUp Rewards Member**](https://www.gamestop.com/poweruprewards/) **✊**
+* [**... Which gets you a subscription to Game Informer Magazine**](https://www.gameinformer.com/) **🚀**
+* [**Follow Gamestop on Twitter**](https://twitter.com/GameStop) **🦍**
+* [**Subscribe to Gamestop's YouTube Channel**](https://www.youtube.com/user/gamestopvideo) **🖍**
+* [**Follow Gamestop on Twitch**](https://www.twitch.tv/gamestop) **🎮**
+* [**Follow Gamestop on Instagram**](https://www.instagram.com/gamestop/?hl=en) **🌙**
+* [**Follow Gamestop on Facebook**](https://www.facebook.com/GameStop) **🦧**
+* [**Apple Devices- Download the Gamestop App**](https://apps.apple.com/us/app/gamestop/id406033647) **(Link to App Store) 🍌**
+* [**Android Devices- Download the Gamestop App**](https://play.google.com/store/apps/details?id=com.gamestop.powerup) **(Link to Play Shop) 📈**
+* **Brands owned by Gamestop; ThinkGeek, GameInformer,** [**MicroMania**](https://www.micromania.fr/)**, and** [**EB Games**](https://www.ebgames.ca/) **💎**
+
+Please remember apes, as you are interacting with Gamestop Social Media, that their objective is to reach gamers and promote their brand to their demographic. Yes it's fun when they tweet MOASS and Chickie Tendies, but let's not flood them with comments about Ken, Naked Short Selling, and Mayonnaise. Let's show them support by joining, contributing to, and expanding their robust community of gamers!
+
+\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_
+
+# 🚨 Reddit down 🚨
+
+# With Reddit having issues during high traffic, exciting moments in this saga, we have discussed what to do if Reddit has an outage.
+
+**IF REDDIT GOES DOWN AT A PIVOTAL MOMENT A LARGE PORTION OF THE MOD TEAM IS ON TWITTER.**
+
+[https://twitter.com/ByeTriangle](https://twitter.com/ByeTriangle)
+
+[https://twitter.com/PinkCatsOnAcid](https://twitter.com/PinkCatsOnAcid)
+
+[https://twitter.com/RedChessQueen99](https://twitter.com/RedChessQueen99)
+
+[https://twitter.com/rensole](https://twitter.com/rensole)
+
+[https://twitter.com/u\_sharkbaitlol](https://twitter.com/u_sharkbaitlol)
+
+[https://twitter.com/BradduckF](https://twitter.com/BradduckF)
+
+**IF THERE IS SOMETHING BIG GOING ON WHILE THE OUTAGE IS HAPPENING WE MAY ALSO UTILIZE THE "EMERGENCY BROADCAST SYSTEM" TO RELAY INFO:**
+
+[SuperstonkLive YouTube - Emergency Broadcast System](https://www.youtube.com/channel/UCI4EET9NJPWxUuXGlG6fxPA)
+
+\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_
+
+***OOK OOK***
+
+***"I may have been early, but I am not wrong"***
+
+[ 🦍🦍🦍🦍🦍🦍🦍🦍🦍🦍🦍🦍🦍🦍🦍🦍🦍🦍🦍🦍🦍🦍🦍🦍🦍🦍🦍🦍🦍 ](https://preview.redd.it/3pv1o8xr3v671.png?width=1600&format=png&auto=webp&s=96e82fb729c172686666db3ceb32eae53f76e26b)
+First, I'm glad I found this community!
+
+About me: I make 200k and am below 24 years old in a HCOL American city. I've diligently invested ~50% of my take-home quite tax efficiently (company supports the Megabackdoor and a Roth 401k). Vaguely, I'm shooting for a 7-10MM retirement if I can keep my career momentum going. Since my situation lets me shovel 60k+/yr in Roth accounts, a substantial chunk of my investments are growing tax free.
+
+I've considered saving for a condo/home downpayment over the next few years through a CD, but this will probably cut into my investment ratio somewhat. While home buying is a personal decision, I assume many here have also been in this spot. If you went for the property route at the expense of reduced medium-term investments, what made you go this direction?
+Currently looking at a 4bed/2bath SFH in a nice area that is being sold cash only at 20% below market value. It has tenants on a lease for the next 4 months.  
+  
+Deal seems too good to be true so I'm questioning it. What potential issues could there be with a situation like this? What questions would you ask to get the right information about the property?  
+  
+What are your potential deal breakers when looking at properties?
+I sold my first multi-family home last week and have about $60k in cash that I plan to use for investment purposes only. I'm also willing to be patient as the market in my area is way too expensive. I'm looking to invest in a small apartment complex (5-10 units between 500k-1m total PP) but I'm not willing to spend more than the $60k.
+
+I've recently come across a company based in South Florida that raises funds to form general partnerships to purchase run down apartment complexes. I'm interested in doing something similar (most likely not in run down areas) with raising funds and wanting to include my own cash to make this purchase. To those of you that have done something similar, how did you meet people that were willing to listen and eventually commit? Did you create a business plan? Presentation? Brochures etc? For example, I would put down 50k myself and look for four other commits all at 50k a piece for a total of 250k down on a 1M transaction. I would take the lead on putting the deal together and managing the property myself.
+After this latest market dip, I’ve seen a lot of posts that are confused about what to do. 
+
+1.  The standard guidance for a long-term investor is to pick an allocation and stick to it.  If 60/40 stocks/bonds was right before, it’s probably still right. 
+
+2.  When the value of your stocks goes down, that means that you are now under-allocated to them. E.g if you started out with $6000 in stocks and $4000 in bonds but the stocks drop to $4000, your allocation is now 50/50.  Rebalancing means you should move $800 from bonds to stocks to recover the 60/40 allocation. 
+
+3.  This is not about timing the market. Rebalancing is an infrequent event (and usually left late in the tax year to optimize capital gains). 
+
+4.  If you’re panicking, that means your initial allocation was probably too aggressive. The good news is, your new allocation is automatically more conservative. Congrats!
+Chapter 1: It is totally plausible to live from trading the stock market, start thinking about quitting your job after finishing this book, \*insert random compounding gains calculations to show how you can retire in 5 years\*
+
+Chapter 2: Some copy paste investopedia bs text about how the markets work, bulls bears, etc
+
+Chapter 3:  Trade psychology, be in the zone, trade without emotions
+
+Chapter 4: Money management, risk reward ratio very important, don't blow account, don't risk more than 1% in each trade, RRR of at least 2:1
+
+Chapter 5: How to actually trade......buy low sell high, resistance support, breakout, vwap, easy
+
+Chapter 6: you need to put the time, you don't expect a doctor or a lawyer to start practicing after 3 months in college.
+
+Chapter 7: Thank you for buying this book/course because this is really my main source of income as I can't make actually money in the markets, because if I did I wouldn't spend time writing this shit
+https://imgur.com/a/qi1ZkCw
+
+I received an email about a purchase / invoice on the official PayPal email. I was nervous, I hadn't done this. 
+
+I scroll down a bit, all the links go to PayPal, and one even takes you to the page of receiving suspicious invoice links. I'm sold, I go to the bottom of the page and called the number, after a bit of a wait someone picked up. He said in order to cancel the purchase I need to go to the PayPal website and generate a pin and give it to him. I thought to myself that's weird, why would he ask that. Then I'm a little suspicious and put the number into Google, nothing. No mention of PayPal. 
+
+I inspect the email a little closer, and notice the number is a note from the scammer himself. Pretending it to be from PayPal. 
+
+I'm eternally weary of scams, suspicious of all calls, and almost fell for one today.  PayPal needs to look into this immediately and not allow customer messages to put phone numbers or emails.
+Equivolume on the weekly, simple way of looking at things . Sell pressure is not real, look at Red really trying (crime is on their side). Go Team Green
+
+"Incorporating volume into the price data makes it easier to search for  confirmation of trend reversals, support and resistance breaks, or  buying/selling pressure. The latter is best estimated with the close  price display on as multiple studies use its position within the range  as an indication of whether the buyers or sellers are in control.  Plotting the close price in the Equivolume boxes also serves as a visual  reference of trend strength or weakness."
+
+Since i got accused of plagirism, it was put in quotes , the definition of Equivolume pulled from TDA, since im sure not many used it before. Saving you the trouble of searching.
+
+https://preview.redd.it/0lk2xilk7ae81.png?width=2471&format=png&auto=webp&s=1e01b093bffe68ac5cf8fd978645c60c3e4da021
+
+ EDIT:Shoutout to "EtherGorilla" for this quote, to wrap this up in a nice package.
+
+"Why would a company with over a billion in cash, no debt, a rockstar  group of c-level executives and  developers that literally quit their  high paying jobs at Apple and Amazon to join them suddenly and  inexplicably go bankrupt? Anti gme people sound like conspiracy  theorists these days." /gameover 
+
+​
+Please please please do not flood the sub with how upset you are if the stock still doesn’t moon. As amazing as a announcement, like the NFT marketplace, is from a business standpoint, there is no guarantee that the stock price is going to go boom boom from there. Theoretically, since there will be so much hype after an announcement like that, the stock should go up. BUT remember who is going to be on the losing end when it is moon time. They will not close their positions until they are forced to AND THEY WILL BE FORCED TO EVENTUALLY. 
+
+Citadel can go fuck themselves. 
+
+Gamecock go brrrr.
+
+Edit: I’d like to take this time to point out that Shitadel hasn’t tweeted since their hissy fit at the end of September 😂😂😂
+
+Edit: Point72 and Melvin can also go fuck themselves. Thanks /u/gotaHodlonme
+**Bullshit jobs**
+
+I recently read David Graeber's *Bullshit Jobs: A Theory* (2018) and came to the belated realisation that after more than a decade in the workforce, I’ve really only had bullshit jobs. For those of you who aren’t familiar with the concept, here are some snippets from the book:
+
+> A bullshit job is a form of paid employment that is so completely pointless, unnecessary, or pernicious that even the employee cannot justify its existence even though, as part of the conditions of employment, the employee feels obliged to pretend that this is not the case.
+
+> Bullshit jobs often pay quite well and tend to offer excellent working conditions. They’re just pointless. Shit jobs are usually not at all bullshit; they typically involve work that needs to be done and is clearly of benefit to society; it’s just that the workers who do them are paid and treated badly.
+
+> … we have established three broad categories of jobs: useful jobs (which may or may not be shit jobs), bullshit jobs, and a small but ugly penumbra of jobs such as gangsters, slumlords, top corporate lawyers, or hedge fund CEOs, made up of people who are basically just selfish bastards and don’t really pretend to be anything else. The three-part list is not meant to be comprehensive. 
+
+> Those who work bullshit jobs are often surrounded by honor and prestige; they are respected as professionals, well paid, and treated as high achievers – as the sort of people who can be justly proud of what they do. Yet secretly they are aware that they have achieved nothing; they feel they have done nothing to earn the consumer toys with which they fill their lives; they feel it’s all based on a lie – as, indeed, it is.
+
+See also Graeber’s [original essay](https://strikemag.org/bullshit-jobs) on the subject.
+
+It’s not that I’ve ever sought out bullshit jobs. Bullshit just came and found me. Over the years I tried a few different lines of work, even pursued lower paying public sector jobs in the hope of finding something worthwhile. They all turned out to be bullshit, the sort where I was just ticking a box or plagiarising someone else’s work for a report noone would read (“intellectual masturbation”). At this point in my career – if you can even call it that – I’ve pretty much lost all hope that I will ever find a well-paying non-bullshit job. 
+
+Of course I’m not saying that well-paying non-bullshit jobs don’t exist, just that statistically I’m not likely to get one. I suspect my jobs have been consistently bullshit partly because I don’t have any real specialist knowledge and skills (the knowledge to be a doctor, for example) and partly because I’ve naturally gravitated to higher paying jobs (bullshit jobs tend to pay better than shit jobs). I also haven’t been driven enough to get a really high-powered  job (Graeber’s third category), the sort where you dispense with the pretense that you’re not a selfish bastard.
+
+**My bullshit job**
+
+I’m currently a risk analyst in a global financial institution. My job is ostensibly to produce risk reports for internal and external consumption but because of my employer’s conflicts of interests, I’m discouraged from doing any real analysis. I understand the existence of my job to serve two purposes: (1) to tick a box so that the organisation can say we’ve analysed the risks, and (2) to increase the team’s headcount and thereby boost my bosses’ standing in the organisation. It’s a classic bullshit job.
+
+The downsides: 
+
+* The organisation is highly hierarchical and I have little control over my work. Anything I write can be changed at any time by managers who have very little knowledge of the subject matter. This is obviously very frustrating and I now deal with it by putting minimal effort into any work. 
+
+* The culture in my team is poisonous. Employees rarely get fired and generally don’t leave (on account of being overpaid) so there’s little chance the culture will improve. I’m sickened by the falseness and the relentless office politics.
+
+* The job is 90% pointless. I’m a parasite on society and whatever skills I had in my field have atrophied. The perverse reality is that I would actually be more happy in my role if I didn’t have any related skills or knowledge, since then I wouldn’t know right from wrong.
+
+The upside:
+
+* By cutting corners, I’ve managed to find carve out at least half of my work week for my own projects, mostly reading books and playing computer games at my desk. Thankfully I have my own office.
+
+**FIRE**
+
+My personal circumstance: in my mid-30s and married in Shanghai, China with two small children. We’ve always tried to live frugally, although obviously many people in our city get by on much less. Our basic stats (in USD): 
+
+* Income: $238k p.a. (75% is from my bullshit job)
+
+* Spending: $46k p.a.
+
+* Net worth: $1.6m, including $800k equities, $240k cash and fixed income, $1m real estate (no car, no other retirement accounts) and $440k debt (mostly home loan)
+
+It looks like on paper we’re close to being able to FIRE but there are some important things holding us back:
+
+* We’re fortunate in being able to keep expenses low living in Shanghai but I don’t imagine that this will continue indefinitely. I’m sure costs will increase as the kids grow up and we do plan to eventually move to a country with HCOL, e.g. UK, US, Australia. 
+
+* I’m very concerned about future long-term returns given the current state of financial markets.
+
+* We don’t yet have a concrete plan on what we’d do if we were to retire early. 
+
+It occurs to me that my job (and other bullshit jobs) could be a potentially good way to reach FIRE, despite their many downsides. This is especially the case if my assumption is that any other job I’m likely to find will probably be bullshit as well. 
+
+Anyone else currently in or been in a similar position? Would appreciate any thoughts or advice, thanks.
+
+Edit 1: It’s heartening to hear that many others are in the same boat. And thanks to those who injected some much-needed perspective. For those in low-paying bullshit jobs or low-paying shit jobs, burdened with personal debt, I feel for you. To me, it all underscores the importance of FIRE, both as a journey (since it gives meaning to our daily struggles) and as an end goal (since it frees us from both shit and bullshit). 
+
+I found the following replies especially insightful, as they go to the core of my and others' interest in FIRE:
+
+u/CannonballUnder26:
+> I thought about this some more, and I gotta wonder, would anyone even bother with FIRE if it weren’t for bullshit jobs and neoliberalism? I don’t think many doctors and nurses pursue FIRE beyond just having an emergency fund and a safety net to catch themselves in lieu of a social welfare state. There aren’t many blue collar folks trying to get into RE, unless disability forces them to. I think this goes beyond a cultural difference, and is actually a manifestation of them recognizing their work has value, while ours does not.
+These really are fundamentally tied phenomena, in my opinion. Many of us want to quit our soul sucking corporate bullshit jobs and focus on more purposeful work. “RE” isn’t usually about being an idle rich parasite for fifty years. It’s about freedom from bullshit. 
+
+u/dlxw:
+> No one wants to stay in the “shit job” layer where the actual work gets done, because true to its name your autonomy goes to shit, and then you start producing shit, and feeling like shit because of it. You try to get yourself out of it, and maybe you do some good work that stands on its own, but the more traction that work gets the more you get invited to the “important” meeting and the more you realize all anyone is doing there is talking in circles spouting bullshit. But you’re comfortable and start getting paid more, and that just turns you into a bullshitter. The sad fact is that 95% of the human effort in that company gets devoted to coming up with bullshit strategies that create busywork for the shit layer, who is busy trying to ignore the bullshit and actually build and fix things. Then if you’re lucky, somewhere in the pipeline someone with a shit job, or a bullshitter who periodically descends into the shit layer to do some real work, is actually turning out good shit :) and that carries the whole company.
+
+> … When an entire economic model lionizes “letting your money work for you” as a virtuous model of productivity, it stands to reason that the highest paid jobs closest to that faucet will revolve around legitimizing this system, creating the appearance of very difficult important work that is actually just moving some money and labor around between people who have shit jobs. You are an interface, a buffer between the true bastards and the people working shit jobs, creating the justification for extracting labor from the shit layer to hand profit to the bastards.
+
+> FIRE mentality can certainly become complicit in this (by basing an entire lifestyle around investment income) but I think the critical component is the work you will be free to do when you FIRE and no longer have to worry about the time investment of the bullshit job. I don’t see FIRE as a way to stop working; this world is too wonderful and broken to sit by doing nothing but subsisting on a pile of money. I *want* to work on useful things, which as he notes are often shit jobs, but with autonomy, where I am not just being crushed by bullshitters and only do the parts of the job I think are important. cleaning your neighborhood, caring for others, learning new skills like art, feeding people, raising kids, writing etc is all low paid shit work *when turned into jobs directed by bullshitters*, but i think is the most personally fulfilling thing I could do, and the actual work that would make society a better place. So my hope (we’ll see how it goes) is to FIRE from my bullshit job and spend the time doing the work that actually makes life better.
+
+Going forward I will probably do what u/LiveFastFiYoung does:
+> I spend maybe 15-20 hours a week on actual work, and spend the rest of the time in my workshop or writing. Those things keep me motivated and I dread having to send another pointless email that won't be read. I could likely go find another bullshit tech job that would pay slightly less that would have me working even less, but I guess I will coast until I can finally quit.
+
+Edit 2: I just heard that David Graeber passed away yesterday, the same day as this post. *Bullshit jobs* was the last book he wrote. A great loss for the world to have lost such an original mind. RIP.
+I changed employers in November. Previously I was employed on a somewhat salary basis (hours worked were verified but you received the same amount biweekly unless you worked OT). I noticed last week that they haven’t stopped sending me biweekly paychecks. Obviously I love getting free money so I’m tempted to see how long it goes on for, however; do they have recourse over taking it back from me whether through taxes or otherwise? Basically, should I let them know or continue getting free cash? PS: this is an enormous, multi-billion dollar company who has hugely benefited from the pandemic, so morally I don’t feel bad.
+
+Edit: Of course my first big Reddit post would be about money problems, lawl. Thank you everyone for the advice. I’ve reached out to HR and am awaiting their reply. I’ll update. Also have another r/personalfinance thread about to go up so if you know much about car loans head on over there and help a stranger out (again).
+I have about $25k that I want to use to begin my dividend journey but my concern is that with all the uncertainty going around, i.e. the massive tech sell off over the past year, further interest rate hikes all but inevitable, the war in Ukraine, and Powell essentially saying he's out for a recession and higher unemployment, just to name a few, we are in store for a very rough ride in the coming months or even years.
+
+I'm aware of the old addage "Time in the market is better than timing the market" but I wondered what you people's thoughts were on being patient for a little while during these unprecedented times? Just until there isn't a new red flag flying up every other day. Seems like waiting to buy in lower isn't such a bad idea.
+
+If my logic is flawed please feel free to set me straight.
+
+Edit: thanks for the advice. DCA is a strategy I had not considered or knew much about until now.
+Hello,
+
+I'm moving from UK to Portugal before the end of the year. I've been reading about the NHR scheme, under which I will be paying a flat tax rate of 20%, which is great.
+
+Another benefit of this scheme is that foreign incomes are not taxed in Portugal. How would that work in practise though? I have a Vanguard UK ISA (not sure I'd be able to keep the ISA) and a Fineco trading account with stocks (UK/EU/US). I've never had to pay capital gains because it's always been less than 12k GBP in UK, but not sure how it would work in this situation.
+
+Should I be looking at hiring an accountant to do things properly? I hold dual citizenship UK/EU if it makes any difference.
+
+Thanks
+Hi,
+
+I'm 26 years old based in Germany and working as a software developer.
+
+I'd like to ask for advice for starting investing, I did some reading about it and learned that if you are younger then higher should be the the risk.
+
+As I did one of risk assessment online my risk analysis was **3 out of 6** (6 being the most risky.)
+
+I'm thinking of combining ETF's and stocks. What else should I look into as an instrument? My question is how to decide which ETF to buy? In a trade broker platform there are many ETF that is indexed by S&P but some of them are 14eur and some of them are 78eur and some other are 450eur. What is the difference and how can I decide which ETF to buy?
+
+​
+
+I'm thinking buying 50 to 120EUR ETFs and stocks monthly.
+
+Note: I have already put at least 6 months of emergency fund.
+For the "safe" part of my portfolio, I am trying to decide between these two bond ETFs:
+
+1. [VAGF](https://www.justetf.com/en/etf-profile.html?isin=IE00BG47KH54): Vanguard **Global Aggregate** Bond UCITS ETF **EUR Hedged** Accumulating.
+2. [VGEA](https://www.justetf.com/en/etf-profile.html?isin=IE00BH04GL39): Vanguard EUR **Eurozone Government** Bond UCITS ETF Accumulating.
+
+
+Any thoughts?
+
+* In favour of (1), if I understand correctly global aggregate currency-hedged bonds should have lower volatility.
+* In favour of (2), I believe Eurozone gov't bonds have a lower taxation in my country of residence.
+
+Anything else I should take into account? Any other bond ETFs I should be looking into?
+Hello world I hope everyone is doing great, especially YOU! 
+Yesterday I asked you, if you want me to post the new prices on top or the old prices...old prices won with around 600 votes, while the new prices got like 300, BUT I can't just let you guys/girls down so I will post the prices from top/old to down/new AND I will post the current price at the very top. 😊
+I hope that makes everybody happy and we can all start in this most likely very crazy trading day 😁
+
+Current price "115 minutes in: 158.89 US-$"
+
+FAQ:
+
+Where do you get our numbers from?
+-
+I trade through my bank account and just refresh the page to see the current price. I then use my conversion app ( Euro to US-$ ) and post the result.
+I try to post every 5 minutes, but I am at work so I can't guarantee it 😄
+
+Why are your numbers different from the ones I'm seeing online?
+-
+My banking app shows me the best price that I can sell for right now...it compares Frankfurt, Munich, Stuttgart, Berlin, Düsseldorf, Hamburg, Xetra and "Direkthandel" (meaning "direct exchange").
+That's why my movement may differ from your sources online.
+
+I don't trust those germans, look at what they did in the 20th century...can I get another source?
+-
+Sure, you can take a look here...just remember to convert from € to $!
+https://www.ls-tc.de/de/aktie/gamestop-aktie
+
+Can you post the volume too?
+-
+I can't see the volume on my banking app but you can find it online or probably in my comments, since some friendly apes talk about it often.
+But remember how low the volume is in the US pre-Market and we're talking pre US pre-market here so I think that the volume doesen't reeeeally matter this early into the trading day.
+
+Why are you doing this this every day, what's the point of posting these numbers, since the volume is nothing compared to the one in the US?
+-
+I think that it's less about the numbers, it's to show that every minute of every day, there is an ape who's holding GME.
+Look through the comments, there are people from all around the world just wishing each other a good morning, how awesome is that?
+I think that this feeling of camaraderie is critical, it's good to know that I'm not the only one liking this stock.
+I'm holding since november and I will continue to hold for my brothers and sisters. 
+We are not a union, we are all individuals who like the stock, but we're still family!
+
+Starting:                  155.60 US-$
+
+5 minutes in:          156.73 US-$
+
+10 minutes in:        156.73 US-$
+
+15 minutes in:        156.73 US-$
+
+20 minutes in:        156.73 US-$
+
+25 minutes in:        156.73 US-$
+
+30 minutes in:        156.73 US-$
+
+35 minutes in:        156.73 US-$
+
+40 minutes in:        156.73 US-$
+
+45 minutes in:        156.73 US-$
+
+50 minutes in:        156.73 US-$
+
+55 minutes in:        156.73 US-$ 😴
+
+60 minutes in:        156.73 US-$
+
+65 minutes in:        156.73 US-$
+
+70 minutes in:        156.73 US-$
+
+75 minutes in:        156.73 US-$
+
+80 minutes in:        156.73 US-$ 😴😴😴
+
+85 minutes in:        156.73 US-$
+
+90 minutes in:        156.73 US-$ This HAS to be a Record now 😂
+
+95 minutes in:        156.73 US-$
+
+100 minutes in:      156.73 US-$
+
+There is some movement ( you can check the link I posted ) but my best selling price still is 156.73 US-$  😊
+
+105 minutes in:     158.89 US-$ 😍
+
+110 minutes in:     158.89 US-$
+
+115 minutes in:     158.89 US-$
+
+The US pre-market is open, let's get ready for the crazy day ahead of us 🇺🇸
+Have a great weekend! 🤗
+Meta [US:META] Platforms Inc. is planning to begin large-scale layoffs this week, according to people familiar with the matter, in what could be among the largest round in a recent spate of tech job cuts after the industry’s rapid growth during the pandemic.
+
+The layoffs are expected to affect many thousands of employees and an announcement is planned to come as soon as Wednesday, according to the people. Meta reported more than 87,000 employees at the end of September. Company officials already told employees to cancel nonessential travel beginning this week, the people said.
+
+The planned layoffs would be the first broad headcount reductions to occur in the company’s 18-year history. While smaller on a percentage basis than the cuts at Twitter Inc. this past week, which hit about half of that company’s staff, the number of Meta employees expected to lose their jobs could be the largest to date at a major technology corporation in a year that has seen a tech industry retrenchment. 
+
+A spokesman for Meta declined to comment, referring The Wall Street Journal to Chief Executive Mark Zuckerberg’s recent statement that the company would “focus our investments on a small number of high priority growth areas.”
+
+“So that means some teams will grow meaningfully, but most other teams will stay flat or shrink over the next year,” he said on the company’s third-quarter earnings call on Oct. 26. “In aggregate, we expect to end 2023 as either roughly the same size, or even a slightly smaller organization than we are today.”
+
+The Journal reported in September that Meta was planning to cut expenses by at least 10% in the coming months, in part through staff reductions.
+
+https://www.wsj.com/articles/meta-is-preparing-to-notify-employees-of-large-scale-layoffs-this-week-11667767794?mod=hp_lead_pos1
+[1933 Industries](https://www.1933industries.com/) is a thc/cbd operator in Nevada, based in Las Vegas. It has only been run properly for the last 4 months after years of the wrong people with the wrong moves destroying the stock price. It usually now [moves with ACB, APH](https://imgur.com/a/ho1krSN) and others and rarely blazes its own path. When it does have that bump in volume it [shoots up](https://imgur.com/a/K1fMIvv). The last Q was just reported and the highlights were: 
+
+* Positive gross margin
+* 57% Decrease in expenses
+* 78% Decrease in net loss
+* 98% Improvement in Adjusted EBITDA
+
+Can they break out of the shadows and make their own path? The next few months have some bullish  catalysts on their side:
+
+* \-March/April/May quarter is on pace to be the first profitable quarter. 
+* \-5 Million PP upgrades, expansion and activation of the other property.
+* \-Vegas and tourism will be in full swing Sept/Oct/Nov predicted to have record visitors. Allegiant Stadium will prove its significance going forward.
+* \-TGIF/TGIFF  and other operators in legal states do not need Federal legalization across the map. The Safe Banking act passing sometime 2021 will be the largest impact on the stock.
+Retirement and mental health
+
+I have a quick question for our FI group. Anyone close to or have already retired thought about how retirement affects your mental health. For example, feeling anxious, guilty, worried, or depressed about leaving the work industry after XX amount of years or worried about if what I have saved/invested is not going to be enough to sustain me for the rest of my life?
+Why is the market tanking in recent weeks?
+
+First, what it isn't: Treasury yields.  Don't listen to the news.  This just means that no one wants to buy bonds so the price of bonds is going down to attract new investors.  This happens in a healthy economy.  Can't believe the fake news is really pushing this.
+
+What I would see if this was anything other than a correction:
+
+Consumer cyclical and natural resource holdings would increase with major investment firms.  Positions in small cap stocks would decrease.  Real estate holdings would increase.
+
+How I know these things aren't happening:
+
+It's best to track these activities through major firms and ETFs.  I track SPY's holdings daily.  They have teams of analysts and resources I just don't have.  They're the first to know.  I do not watch the news for financial information.
+
+So what is it?
+
+I see firms reorganizing portfolio's for a post-C19 market.  IE, aerospace and defense stocks are going up - Raytheon is up 12%/Boeing up 16% in the same time the Nasdaq was down 9%.  Travel stocks like JetBlue are also doing well in that time frame.
+
+When will it stop?
+
+Who knows, but it couldn't have been expected and it's too late to sell high and buy low now.  I'm waiting it out.  I have been increasing positions with remaining cash but I'm out going forward.
+
+Will tech rebound?
+
+Yes.  New tech is where the money is.  I see strong cross-sector growth continuing through Q3 this year.  Q1 industrial is very strong so far.  Many of these up and coming tech companies are going to be pushing into their manufacturing phases.
+LONDON, Sept 28 (Reuters) - The Bank of England said on Wednesday it  would start a temporary programme of bond purchases to stabilise the  market, and postpone the planned start of its gilt sale programme.
+
+Below is the full text of the central bank's statement:
+
+>"This repricing has become more significant  in the past day – and it is particularly affecting long-dated UK  government debt. Were dysfunction in this market to continue or worsen,  there would be a material risk to UK financial stability. This would  lead to an unwarranted tightening of financing conditions and a  reduction of the flow of credit to the real economy.  
+>  
+>"In  line with its financial stability objective, the Bank of England stands  ready to restore market functioning and reduce any risks from contagion  to credit conditions for UK households and businesses.  
+>  
+>"To  achieve this, the Bank will carry out temporary purchases of long-dated  UK government bonds from 28 September. The purpose of these purchases  will be to restore orderly market conditions. The purchases will be  carried out on whatever scale is necessary to effect this outcome. The  operation will be fully indemnified by HM Treasury.  
+>  
+>"On  28 September, the Bank of England’s Financial Policy Committee noted  the risks to UK financial stability from dysfunction in the gilt market.  It recommended that action be taken, and welcomed the Bank’s plans for  temporary and targeted purchases in the gilt market on financial  stability grounds at an urgent pace.  
+>  
+>"These  purchases will be strictly time limited. They are intended to tackle a  specific problem in the long-dated government bond market. Auctions will  take place from today until 14 October. The purchases will be unwound  in a smooth and orderly fashion once risks to market functioning are  judged to have subsided.  
+>  
+>"The Monetary  Policy Committee has been informed of these temporary and targeted  financial stability operations. This is in line with the Concordat  governing the MPC’s engagement with the Bank’s Executive regarding  balance sheet operations. As set out in the Governor’s statement on  Monday, the MPC will make a full assessment of recent macroeconomic  developments at its next scheduled meeting and act accordingly. The MPC  will not hesitate to change interest rates by as much as needed to  return inflation to the 2% target sustainably in the medium term, in  line with its remit.  
+>  
+>"The MPC’s annual  target of an £80bn stock reduction is unaffected and unchanged. In light  of current market conditions, the Bank’s Executive has postponed the  beginning of gilt sale operations that were due to commence next week.  The first gilt sale operations will take place on 31 October and proceed  thereafter.  
+>  
+>"The Bank will shortly publish a market notice outlining operational details."
+
+Via: [https://www.reuters.com/markets/europe/bank-england-statement-purchase-long-dated-bonds-2022-09-28/](https://www.reuters.com/markets/europe/bank-england-statement-purchase-long-dated-bonds-2022-09-28/)
+Intel planned to announce Monday a laptop-computer chip that combines an Intel processor and an AMD graphics unit, according to a person familiar with the matter. The chip is intended for laptops that are thin and lightweight but powerful enough to run high-end videogames—attributes that lately have been driving sales in an otherwise waning market for personal computers.
+
+https://www.wsj.com/articles/rivals-intel-and-amd-team-up-on-pc-chips-to-battle-nvidia-1509966064
+There are lots of Real Estate Investing courses available, but I'm unsure of the quality. One that looks good is the one offered by MIT, I think it's 6-8 weeks long and is online.
+
+Has anyone else completed one of these? If so, what was your experience like?
+
+Edit: this is the one I was referring to: https://mitcre.mit.edu/mit-professional-education-certificate
+What's up Apes!? Ready for some DD!?
+
+# LFG!!!
+
+\----------------------------------------------------------------------------------------------------------
+
+APOLLO MISSIONS
+
+[Apollo 1](https://www.reddit.com/r/Superstonk/comments/s24hxt/billionaire_boys_club_bbc_ep_16_part_1_the_apollo/) (Disclaimers here)
+
+[Apollo 2](https://www.reddit.com/r/Superstonk/comments/s252os/billionaire_boys_club_bbc_ep_16_part_2_the_apollo/)
+
+[Apollo 3](https://www.reddit.com/r/Superstonk/comments/s25i88/billionaire_boys_club_bbc_ep_16_part_3_the_apollo/)
+
+[Apollo 4](https://www.reddit.com/r/Superstonk/comments/s28x8z/billionaire_boys_club_bbc_ep_16_part_4_the_apollo/)
+
+[Apollo 5](https://www.reddit.com/r/Superstonk/comments/skiff2/billionaire_boys_club_bbc_ep_16_part_5_the_apollo/)
+
+[Apollo 6](https://www.reddit.com/r/Superstonk/comments/taib2v/billionaire_boys_club_bbc_ep_16_part_6_the_apollo/)
+
+\-----------------------------------------------------------------------------------------------------------
+
+I'm assuming by now you've all seen this:
+
+https://preview.redd.it/1u2r5oobvdm81.png?width=741&format=png&auto=webp&s=394cb50bd3077191d2897924648f957a541628ca
+
+Well... if you've been following along with the BBC series, you MAY remember back in [Apollo Part 3](https://www.reddit.com/r/Superstonk/comments/s25i88/billionaire_boys_club_bbc_ep_16_part_3_the_apollo/), I discussed " WHY I THINK RYAN COHEN FIGURED ALL THIS OUT... " referencing the Private Equity Hostile Takeover Playbook right?
+
+Or in [Apollo Part 5](https://www.reddit.com/r/Superstonk/comments/skiff2/billionaire_boys_club_bbc_ep_16_part_5_the_apollo/) where I threw on my TinFoil cap and REALLY went to town on why I thought Ryan Figured this all out and was essentially kicking the VULTURE Private Equity companies in the nuts?
+
+(Because remember... RC Ventures is a Private Equity Company, and he has executed a hostile takeover with Gamestop... but it's the INTENTION that differentiates him. 1, is a Vulture Fund, the other is an EAGLE fund - Ripping Apart the Vultures and building beautiful businesses)
+
+BUT...
+
+What does this little tweet, and Ryan's investment in **BBBabY** have to do with anything?
+
+Did he spot another Private Equity Hostile Takeover in progress and step in to kick em in the dick?
+
+Is **BBBabY** being naked shorted to artificially bring down the price so that Private Equity companies can buy it for pennies on the dollar, load it up with debt, drain its blood and then kick it into Bankruptcy never to be thought of again?
+
+AND... would that make it the **PERFECT** value investment opportunity that Mr Cohen could step on to make a shit ton of cash while highlighting corruption on Wallstreet at the same fucking time?
+
+WELL... we are definitely going to take a look at all that... but not straight away.
+
+Because it wasn't the references to **BBBabY** that caught my eye in this tweet. It wasn't the Masterfully crafted letter to the Board that caught my eye either. And while I did admittedly get a little lost in those eyes... it was something else ENTIRELY that piqued my interest here.
+
+**TOO BUSY TALKING TO EXPENSIVE CONSULTANTS?**
+
+No when I first read this, I thought to myself... BadassTrader, he's talking about the Company's needless expenditure. Just like the crazy sums of money the CEO pays himself. (Or is being paid to shut the fuck up and say nothing - Speculation obviously)
+
+BUT... then it dawned on me...
+
+Something seemed familiar here...
+
+**CONSULTANTS?**
+
+Didn't Adam Aron have a Consultancy company he used to hire himself out on behalf of Apollo? ( [APOLLO MISSION 2](https://www.reddit.com/r/Superstonk/comments/s252os/billionaire_boys_club_bbc_ep_16_part_2_the_apollo/) referencing how Adam Aron's consulting company, in partnership with Apollo Global Management, assisted in the Apollo Buyout of Norweigan Cruise Lines)
+
+Consulting Companies eh?
+
+So PRIVATE EQUITY companies, partner with CONSULTING COMPANIES owned by INDUSTRY EXPERTS in order to plant them into the companies that they are executing the hostile takeover on?
+
+Say it ain't so... SAY IT AIN'T SO!!!
+
+Let's take a look shall we?
+
+\----------------------------------------------------------------------------------------------------------------------------------------
+
+# Here's the Board of BBBY
+
+​
+
+​
+
+https://preview.redd.it/hqx0kxe2zem81.png?width=2000&format=png&auto=webp&s=aaae3bcf421a009aff03bbef8cf9fd4531523293
+
+​
+
+As per the BBBY Investor Relations Page here:
+
+[https://bedbathandbeyond.gcs-web.com/corporate-governance/board-of-directors](https://bedbathandbeyond.gcs-web.com/corporate-governance/board-of-directors)
+
+\-----------------------------------------------------------------------------------------------------------------------
+
+Did anyone stand out to you?
+
+Why don't we start with the trail I followed...
+
+A QUICK Wikipedia search on BBBY will lead you to this...
+
+​
+
+>In **March 2019**, three activist investment firms—Legion Partners, Marcellum Advisors, and Ancora Advisors—announced their intent to remove current CEO Steven Temares and restructure Bed Bath & Beyond’s current board of directors.  
+>  
+>The activist investors highlighted several instances of perceived nepotism, including the acquisition of Buy Buy Baby, which was founded by two of Bed Bath & Beyond co-founder Leonard Feinstein’s children, and the acquisition of Chef Central, which was created by co-founder Warren Eisenberg’s son, as examples of poor business practices at Bed Bath & Beyond
+
+3rd Paragraph under Title "History" - [https://en.wikipedia.org/wiki/Bed\_Bath\_%26\_Beyond](https://en.wikipedia.org/wiki/Bed_Bath_%26_Beyond)
+
+​
+
+Hmm... seems pretty "HOSTILE" already...
+
+I wonder how the stock looked in **March 2019?**
+
+​
+
+[\(Weekly timeframe for Scale BBBY\)](https://preview.redd.it/n8o5tpbw3em81.png?width=2254&format=png&auto=webp&s=0b55eaae384b7c3f7dced6bc2e2bcc72d5de4f32)
+
+Hmm... long period of (Naked?) shorting... followed by new management takeover to "FIX" things... but oh... why does it seem like the new management team was well on their way to driving the company into Bankruptcy?
+
+Covid 19 maybe?
+
+But there was a lower low set in Aug 2019... so it WASN'T that...
+
+Hmmm...
+
+ANYWAY...
+
+On with the Story...
+
+​
+
+>On May 13, 2019, Bed Bath & Beyond announced that CEO Steven Temares would step down “effectively immediately” and would resign his seat on the board of directors. Mary Winston, who had been appointed to the company's board as a result of the activist investment firms’ efforts, replaced Temares as interim CEO
+
+4th Paragraph under "History" on BBBY Wiki - [https://en.wikipedia.org/wiki/Bed\_Bath\_%26\_Beyond](https://en.wikipedia.org/wiki/Bed_Bath_%26_Beyond)
+
+**SO HANG ON A MISSISSIPPI DAM MINUTE...** "Mary Winston, who HAD BEEN "APPOINTED" to the company's board **AS A RESULT** of the activist investment firms' efforts..."
+
+​
+
+https://preview.redd.it/jqxpx4yhaem81.png?width=580&format=png&auto=webp&s=e0d866e2ffca160f2ac1d28ce0243bf7f00a6f31
+
+Planting members into companies as part of hostile takeovers is a thing...
+
+**I WONDER... IF MARY WINSTON, OWNS A CONSULTING COMPANY JUST LIKE ADAM ARON USED FOR APOLLO GLOBAL???**
+
+I think we have our FIRST TARGET...
+
+\-------------------------------------------------------------------------------------------------------------------------
+
+# MARY WINSTON
+
+[Planted to Bed Bath and Beyond Board by Activist Private Equity Companies](https://preview.redd.it/kqi0b3xhcem81.png?width=1200&format=png&auto=webp&s=e525a6ff1e79081288aefb3a87a26b18c4af28e2)
+
+And... of COURSE she does.
+
+Linkedin here >   [https://www.linkedin.com/in/mary-winston-1655765](https://www.linkedin.com/in/mary-winston-1655765/details/experience/)
+
+Her consulting company?  WinsCo Enterprises Inc.
+
+​
+
+>Mary Winston is President of WinsCo Enterprises, a consulting firm providing financial, strategic and board advisory services. She leverages her broad industry knowledge and deep financial expertise to benefit clients who are working to take their business to the next level
+
+(Sourced on Linkedin)
+
+Now... there is little information out there about WinsCo Enterprises, but looking at the rest of Mary's history there is definitely some interesting stuff in there.
+
+Prior to BBBY, she was Exec Vice President & Chief Financial Officer at Family Dollar... **RIGHT AROUND THE TIME** that "Activist Investor Carl Icahn (You may have heard of him) announced that Icahn Enterprises owned a 9.4% stake in Family Dollar followed by a few days later sending a letter to the board DEMANDING that they sell the company.
+
+So a Hostile Takeover?
+
+SEC Letter: [https://www.sec.gov/Archives/edgar/data/34408/000092846414000063/fdosch13damd10619ex1.htm](https://www.sec.gov/Archives/edgar/data/34408/000092846414000063/fdosch13damd10619ex1.htm)
+
+​
+
+4 Years later... she gets added to the Board of BBBY and takes over as Interim CEO when they oust the previous one. **INTERESTING...**
+
+# So how's our BOARD MEMBER SCOREBOARD looking now?
+
+​
+
+https://preview.redd.it/191h25b30fm81.png?width=2000&format=png&auto=webp&s=d56003f027dab18fffdf4980b38bd0f30589a825
+
+That's ONE consultant with TIES to Private Equity Companies added to the list!
+
+HOW ABOUT THE REST OF THE BOARD???
+
+Any more EXPENSIVE CONSULTANTS hiding in there with ties to Private Equity Companies?
+
+\-----------------------------------------------------------------------------------------------------------------------------------
+
+Next up to the bat...
+
+# Andrea Weiss
+
+https://preview.redd.it/wpg8py0r0fm81.png?width=600&format=png&auto=webp&s=b5b964b81898942189cb6d681cdd878613b4527f
+
+Andrea... runs a company called **THE O ALLIANCE LLC**
+
+There's a WHOLE heap about this company, easily accessible. She even has her own website:
+
+[https://theoalliance.com/](https://theoalliance.com/)
+
+As per her Profile on her website here: [https://theoalliance.com/o-alliance-leadership/andrea-weiss/](https://theoalliance.com/o-alliance-leadership/andrea-weiss/)
+
+​
+
+>Her clients have included both fashion and consumer brands such as L’Oreal USA, Pfizer Consumer Healthcare, Starbucks, Grupo Cortefiel, and various **global private equity funds.**
+
+So it's no secret that Andrea works with Private Equity Companies. It is funny however that she declined to say which ones they might be, seeing as she had no issue at all naming all the other companies she's worked with. (Alot more in her profile)
+
+But of course... this is the internet.
+
+I dug out this little Board Member profile on one of the companies she's worked with:
+
+[https://www.delivering-good.org/wp-content/uploads/2018/07/AMW-Bio-2018.pdf](https://www.delivering-good.org/wp-content/uploads/2018/07/AMW-Bio-2018.pdf)
+
+Which states:
+
+​
+
+>Clients include leading private equity firms such as BlackRock, CVC and L Catterton.
+
+​
+
+NOW... I wonder why Andrea would have an issue with naming the private equity companies she works with on her website?
+
+Might it be that Blackrock owns 11.8% of BBBY?
+
+Nooooo.....
+
+BlackRock Increases Bed Bath & Beyond Stake To 11.8%
+
+Forbes: [https://www.forbes.com/sites/warrenshoulberg/2020/02/04/blackrock-increases-bed-bath--beyond-stake-to-118/?sh=10d51f104aa4](https://www.forbes.com/sites/warrenshoulberg/2020/02/04/blackrock-increases-bed-bath--beyond-stake-to-118/?sh=10d51f104aa4)
+
+Conflict of Interest much?
+
+But of course... Blackrock owns a chunk of fucking everything... but this is a decent chunk.
+
+NEVERTHELESS... Consulting Company... with Ties to Private Equity
+
+​
+
+[2\/10 board members!!](https://preview.redd.it/jemqni7t2fm81.png?width=2000&format=png&auto=webp&s=d7a66f9a22c5bf7293b17fb332fe1992d22164b5)
+
+Andrea Weiss Linkedin: [https://www.linkedin.com/in/andrea-weiss-a13126](https://www.linkedin.com/in/andrea-weiss-a13126/details/experience/)
+
+\------------------------------------------------------------------------------------------------------------------------------------
+
+Up next...
+
+# SUE E. GOVE
+
+https://preview.redd.it/lkj1v2smafm81.png?width=1920&format=png&auto=webp&s=a87259936e3c162222b47c9ed2efcf42784cb44d
+
+Ok Sue Gove... again with a little Consulting Company called Excelsior Advisors LLC, who are hard to find anything about. But she has a WHOLE LOAD of Board member experience on her Resume over on Linkedin... so she definitely fits the profile.
+
+AND...
+
+Yes... I couldn't find much on her company... but Sue was kind enough to tell us all about her experience working with Private Equity companies on her Linkedin Profile:
+
+(Under ABOUT)
+
+​
+
+>Prior to Golfsmith, Ms. Gove worked as an independent consultant for Alvarez & Marsal, serving specialty retail and private equity clients.
+
+​
+
+But again... neglecting to tell us WHICH Private Equity Companies. (They really don't like it when you say their name out loud)
+
+But Sue's CRUCHBASE profile... tells us a different story...
+
+​
+
+>Prior to joining Golfsmith, Sue Gove was an independent consultant, serving specialty retail and private equity clients from 2006 to 2008, which included consultancy for Prentice Capital Management and for Alvarez and Marsal Business Consulting L.L.C. from 2006 to 2007.
+
+​
+
+And... wouldn't you know it... up until at least 2020, Prentice Capital Management was overweight in BBBY with it account for 8.97% of their portfolio as per [https://www.gurufocus.com/news/1294010/prentice-capital-management-lp-buys-bed-bath-beyond-inc-tapestry-inc-groupon-inc-sells-at-home-group-inc-abercrombie-fitch-co-proshares-trust](https://www.gurufocus.com/news/1294010/prentice-capital-management-lp-buys-bed-bath-beyond-inc-tapestry-inc-groupon-inc-sells-at-home-group-inc-abercrombie-fitch-co-proshares-trust)
+
+And BBBY MAY have been a client of Alvarez and Marsal?  [🤷](https://emojipedia.org/person-shrugging/)
+
+[https://www.alvarezandmarsal.com/insights/delivering-results-through-radical-operating-model-change](https://www.alvarezandmarsal.com/insights/delivering-results-through-radical-operating-model-change)
+
+EITHER WAY... another Board Member Consultant with ties to Private Equity...
+
+​
+
+https://preview.redd.it/r0ri35yydfm81.png?width=2000&format=png&auto=webp&s=cf91508a86913f8c5f071da57ba042817bd4fefb
+
+Sue Gove Linkedin: [https://www.linkedin.com/in/sue-gove-2227242](https://www.linkedin.com/in/sue-gove-2227242/details/experience/)
+
+\---------------------------------------------------------------------------------------------------------------------------------
+
+So that's 30% of the board that is made up of consultants tied to Private Equity... that are PUBLICALLY visible connections.
+
+Who knows what other connections there may be...
+
+Still believe RYAN COHEN is not following the **Private Equity Hostile Takeover Playbook???**
+
+(Gotta think of a better name for that)
+
+Still think Private Equity Companies don't Plant Execs in the Companies they are planning to takeover and Gut???
+
+(Cough Cough Adam Aron)
+
+Still think Ryan Cohen's Tweets haven't been talking about this all along?
+
+(cough cough Apollo part 5)
+
+Still think I don't have a clue where this series is going to lead to next?
+
+(I don't... I really  don't)
+
+Well STAY TUNED to find out...
+
+On next weeks show of...
+
+# THE BILLIONAIRE BOYS CLUB
+
+(Audience Clap)
+
+\----------------------------------------------------------------------------------------------------------------------
+
+Shout out to  [u/ThickWillingness4093](https://www.reddit.com/user/ThickWillingness4093/)
+
+Who was thinking along the same lines in their DD here:
+
+[https://www.reddit.com/r/Superstonk/comments/ta9qqo/bbby\_was\_infiltrated\_by\_former\_lehman\_and\_sacs/](https://www.reddit.com/r/Superstonk/comments/ta9qqo/bbby_was_infiltrated_by_former_lehman_and_sacs/)
+
+\----------------------------------------------------------------------------------------------------------------------
+
+Kitten Break!!
+
+[This is BEAU - I am choosing to put this kitten here instead of a puppy. I am not doing this against my will. Cats rule... dogs suck... These are my own words.](https://preview.redd.it/oo3uquzoffm81.png?width=1163&format=png&auto=webp&s=caf9352801ea380847522f18674d93ed9cf7a40c)
+
+—-----------------------------------------------------------------------------------------------------------------
+
+Apes Together Strong! Have a listen  [👇](https://emojipedia.org/backhand-index-pointing-down/)
+
+[https://www.reddit.com/r/Superstonk/comments/t1y9c3/repost\_given\_everything\_that\_happened\_yesterday/](https://www.reddit.com/r/Superstonk/comments/t1y9c3/repost_given_everything_that_happened_yesterday/)
+
+—-----------------------------------------------------------------------------------------------------------------
+
+BBC NAVIGATION
+
+[BBC Part 1](https://www.reddit.com/r/Superstonk/comments/nzkzi5/is_this_the_final_boss_john_petry_and_ken_griffin/) **IS THIS THE FINAL BOSS?**
+
+[BBC Part 2](https://www.reddit.com/r/Superstonk/comments/nzrtsq/billionaires_boys_club_part_2_the_inner_circle/) **The Inner Circle**
+
+[BBC Part 3](https://www.reddit.com/r/Superstonk/comments/nzxjra/billionaires_boys_club_part_3_the_big_boys_i_just/) **THE BIG BOYS**
+
+[BBC Part 4](https://www.reddit.com/r/Superstonk/comments/o0isaz/billionaire_boys_club_bbc_part_4_recess_is_over/) **Recess is over... You didn't think BILL GATES was involved did you?**
+
+[BBC Part 5](https://www.reddit.com/r/Superstonk/comments/o16cbm/billionaires_boys_club_part_5_the_foundational/) **The Foundational Strategy**
+
+[BBC Part 6](https://www.reddit.com/r/Superstonk/comments/oa8ynd/billionaire_boys_club_bbc_part_6_smile_for_the/) **SMILE FOR THE CAMERA KENNY...**
+
+[BBC Part 7](https://www.reddit.com/r/Superstonk/comments/oox1sn/the_billionaire_boys_club_bbc_episode_7_what_daf/) **What DAF fuck is this???**
+
+[BBC Part 8](https://www.reddit.com/r/Superstonk/comments/ope0w3/billionaire_boys_club_bbc_episode_7_the_chips_are/) **The chips are stacked against us... ALWAYS HAVE BEEN.**
+
+[BBC Part 9](https://www.reddit.com/r/Superstonk/comments/opp09p/billionaire_boys_club_bbc_episode_errr_9_steve/) **Steve Cohen... So HOT right now...**
+
+[BBC Part 10](https://www.reddit.com/r/Superstonk/comments/p1ofgr/billionaire_boys_club_bbc_episode_10_allinclusive/) **All-Inclusive Vacation of a Lifetime... to the CAYMANS! -- PART 1**
+
+[BBC Part 10.2](https://www.reddit.com/r/Superstonk/comments/p3a79x/billionaire_boys_club_bbc_ep_102_cayman_island/) **Cayman Island Getaway - How to hide money from the FBI + Brazilgate!**
+
+[BBC Part 11](https://www.reddit.com/r/Superstonk/comments/p7nl7y/billionaire_boys_clib_episode_11_bbc_billionaire/) **BILLIONAIRE BANK LOANS - Buy Borrow Die**
+
+[BBC Part 12](https://www.reddit.com/r/Superstonk/comments/pcp37f/billionaire_boys_club_part_12_bbc_please_prove_me/) **Kenny's WARCHEST - SPECIALIZED PURPOSE ENTITY (SPE) + Leverage**
+
+[BBC Part 13.1](https://www.reddit.com/r/Superstonk/comments/pv9yon/billionaire_boys_club_bbc_episode_13_part_1_do/) **Do you Swear to tell the truth, the whole truth and nothing but the truth?**
+
+[BBC Part 13.2](https://www.reddit.com/r/Superstonk/comments/pvr3gg/billionaire_boys_club_bbc_episode_13_part_2_the/) **Steve Cohen's TRUE form revealed**
+
+[BBC Part 13.3](https://www.reddit.com/r/Superstonk/comments/px80o7/vlad_lied_too_is_this_proof_and_proof_that/) **Vlad Lied too - Proof that Citadel Knew**
+
+[BBC Part 14](https://www.reddit.com/r/Superstonk/comments/qicm2m/billionaire_boys_club_bbc_ep_14_pop_quiz_whats/) **POP QUIZ - What's Safer than a Bank?**
+
+[BBC Part 15](https://www.reddit.com/r/Superstonk/comments/rfgriy/billionaire_boys_club_bbc_ep_14_the_deregulation/) **The Regulation Agenda**
+
+[BBC Part 16.1](https://www.reddit.com/r/Superstonk/comments/s24hxt/billionaire_boys_club_bbc_ep_16_part_1_the_apollo/) **The Apollo Missions**
+
+\---------------------------------------------------------------------------------------------------------------------------
+
+**Shameless PLUG:** Follow me on **TWITTER** for more GME fun:[ https://twitter.com/BadassTrader69](https://twitter.com/BadassTrader69)
+
+\---------------------------------------------------------------------------------------------------------------------------
+Hello all!
+
+I'm a long-time lurker of this sub and definitely wouldn't have imagined this being my first post here. What first drew me to this sub was the educational value that it provided to new options traders. I have discovered a lot of surprisingly sound analysis, discussion, and feedback here regarding options strategies centered around time decay.
+
+In my view, the explosion in popularity over at wsb has clearly trickled over to r/thetagang. I have absolutely noticed a lot more subpar posts since the GME craze, varying from misinformed guides, low-quality question threads, and worst of all, memes... All of these can be currently found near the top of this sub, and I fear they may be weighing down some of the awesome content that makes this place great.
+
+Like I said, I haven't been a contributor to this sub so I cannot truly complain if the standard of quality here begins to change. However, I think a few simple fixes may help this sub return to its original direction which IMO would be much more beneficial to newcomers (most of which are simply looking for a nice trading community).
+
+Perhaps creating a stickied noob question thread or more strictly moderating questions that are already answered in the wiki could help limit question threads to those that are more deserving of insightful discussion. Or carefully monitor the types of "simple guides" posted to ensure there aren't any that do more harm than good. Even limiting the posting of memes (*if we must have them*) to weekends only.
+
+Very curious to see everyone's thoughts on this and if you disagree with me, I'm happy to hear why!
+Edit: thanks for all the replies! This was more of a random 1am thought, not an ongoing thought, most of the time I’m enjoying life to the fullest and love it, I just mostly wanted to get others perspectives on potential dangerous events. Anyway, read on:
+
+
+
+
+
+With the way the market is going I’m quickly approaching $2m and in my early 30s. South west of the US, earn a high income, invest in very diverse index funds (get rich slow) and good job stability. At this rate, I’m feeling more secure about my future regarding my personal finances. From poverty to this, I feel as if.. I’ve really made it. It’s unbelievable. Unless I really screw up big somehow, I’m going to make it big and can aim for an early retirement with over $5-6-7 mil. I’m safe outside of some huge mistake. 
+
+
+I don’t spend a lot right now because I grew up in poverty. I can’t comfortably spend much yet. Don’t get me wrong I have a big house and some good electronic toys, but I can’t easily just convince myself to spend a few grand. If I follow the math, math says I should be ok. Math says it’s alright, but that random $2k thing you really want, you’ll be fine. Math says my well off future is likely to really happen where I can freely spend without anxiety of it. 
+
+
+
+But maybe it’s because I grew up in poverty but my worry of “I’ll actually make it” has slowly working it’s way back into my mind, through different channels. Now instead of wondering if I’ll make it financially, I wonder if we as a society (in the US) will make it. I worry about risks like...
+
+
+1. Some new major war resetting the world, destroying much of what people have. War with modern technology could be riskier to humanity than ever before. 
+
+
+2. Some global currency taking over (I don’t believe in crypto but something else maybe) which devalues dollars (which are my future) therefore my future won’t be as useful 
+
+
+3. Inflation or hyperinflation somehow really doing near permanent damage to the US finance system 
+
+
+4. Outstanding national debt doing the same, hurting us economically 
+
+
+5. The (hopefully) small risk of an extreme politician coming into power and dramatically changing taxes or the economic system so my dreams of one day spending freely barely exist 
+
+
+
+6. AI/singularity happening in a few decades that changes everything about life as we know it, we have no idea for the better or the worst yet. 
+
+
+7. A random economic crash, people say the top big stocks (which control so much of the marker) are way overvalued right? What if that all comes crashing down? A huge 20+ year bear market. 
+
+
+
+Now I don’t know how realistic any of these risks are but sometimes, it’s hard to get excited about my financial future... or, ok, that’s not true. I get extremely excited but I have this worry that one of these or another example could happen and my “dreams” of the life I want can’t come true. 
+
+
+
+
+Anyway, in the end, I’m just wondering:
+
+
+1. Does anyone else have these fears as they inch closer to your financial dream life?
+
+
+2. Can anyone soothe my concerns, assuming they should be soothed? Am I overly worried or are we in some truly dangerous times? How do you handle these thoughts?
+were they the biggest reason for their success. I don't know much about Rennaissance Technology's history. I know the first crude models started with Leonard Baum which were then modified by James Ax, later modified by Berlenkamp, Strauss, Laufner etc. etc. until Brown and Mercer came and created a system based on speech recognition. that markets behave like speech recognition and machine translation (I could be bungling this up)
+So my wife was parked on the street and our neighbor across the street was backing out of their driveway when they backed into my wife's car. There's a decent bend on the left side bumper and around the gas tank opening. We only have plpd on our cars (2002 honda civic) but our insurance agent said their car insurance should cover the whole thing since the car was parked and no one was driving, so its considered property damage. Come to find out, they didn't pay their car insurance this month and so there is a lapse in their coverage. 
+
+They kept giving us this sob story about how they are struggling financially, we feel bad since its an old car but we feel they need to cover the damage. What's the best route to take?
+The NAV of Franklin India Income Opportunities Fund fell by 4.85% yesterday because of rating downgrades. I spoke with a customer support agent and she said ratings of several Future Group companies were downgraded on 29th July, 2020. That's why the drastic fall. The cracks have started to show up :(
+
+**Update:** [Official statement from Franklin Templeton India](https://www.franklintempletonindia.com/downloadsServlet/pdf/franklin-templeton-update-on-future-group-july-31-2020-kd193hq1)
+With all the volatility of recent months, the S&P 500 will face a larger than normal reindexing. 
+
+[https://business.financialpost.com/pmn/business-pmn/drastic-makeover-looms-for-worlds-most-followed-stock-index](https://business.financialpost.com/pmn/business-pmn/drastic-makeover-looms-for-worlds-most-followed-stock-index)
+
+We think of following the S&P 500 as "passive investing", but the index is really a momentum fund that drops losers and picks up winners. Since so many of us are invested in VOO and SPY, this is a good article to understand how those investments work.
+https://www.cnbc.com/2020/08/21/coronavirus-struggling-retailers-rush-to-file-for-bankruptcy-as-fear-of-a-second-wave-lingers.html
+
+Industry executives saw what happened to other retailers who filed for bankruptcy in the first few months of the coronavirus outbreak.
+
+They worry that could happen to them should a second wave of infections hit during the winter months as some medical experts have warned. 
+
+Sporting goods chain Modell’s filed for bankruptcy on March 11 — before the coronavirus put its liquidation plans on hold.
+ Shares of electric vehicle maker Tesla rallied in after-hours trading Thursday as the company won shareholder approval for a 3:1 stock split, the second such move in around two years, as the world’s most valuable automaker looks to make its stock more affordable.
+
+In a widely expected move, Tesla shareholders approved the company’s proposed 3:1 stock split, causing shares of the company to continue rallying in after-hours trading following a 0.4% gain earlier in the session.
+
+Tesla first announced the proposed 3:1 stock split in June as a way to make the $925 stock more affordable; based on today’s closing price the new share price would be around $308.
+
+Though the stock is down roughly 20% this year amid the wider market selloff, billionaire Elon Musk’s electric vehicle maker has still seen its shares surge more than 200% since the last stock split in August 2020.Stock splits don’t impact a company’s market value, but evidence suggests that by making shares more affordable to retail investors, the move does often provide a short-term boost to share price.
+
+Tesla shares are up over 30% since announcing the 3:1 split in early June, while news of Tesla’s 5:1 stock split roughly two years sent shares over 70% higher in the 20 days following the announcement.
+
+Several other major tech companies have announced stock splits this year and saw subsequent spikes in their share price; Google-parent Alphabet’s split 20:1 in February and Amazon’s stock split 20:1 split one month later.
+
+[https://www.forbes.com/sites/sergeiklebnikov/2022/08/04/teslas-31-stock-split-wins-shareholder-approval-heres-what-it-means-for-investors/?sh=f9b740eefdc2](https://www.forbes.com/sites/sergeiklebnikov/2022/08/04/teslas-31-stock-split-wins-shareholder-approval-heres-what-it-means-for-investors/?sh=f9b740eefdc2)
+
+Tesla TSLA shareholders approved a 3-for1 stock split. This means that for every TSLA share you own, you will receive 2 additional shares. Elon Musk added that buybacks are on the table depending on future cash flow.
+
+Do you think $TSLA will rally leading up to the stock split?
+My wife asked me how we're going to explain all this to our parents when the dust has settled.  I've spent a long and hard time thinking about everything that's happened in the last six months.  For us apes, who have been watching this thing unfold, it's incredible and amazing; but from the outside it's easy to write off because it requires countless hours of DD and memes to get to where we are now.
+
+# RETAIL HAS ALWAYS BEEN PAINTED AS DUMB MONEY.
+
+But, *we are not that*.  We're an aberration, something new.  We're a disruption in a current ecosystem.  Do you know why there are laws against transporting and planting certain seeds to different places?  Big money agriculture aside, it's primarily because *an external plant* can actually completely disrupt an ecosystem.  And that's what the internet does in every human system.
+
+* Amazon and online retailers changed the way we shop.
+* Uber/Lyft changed the way we view transportation
+* AirBnB changed the way we think of shelter when traveling
+* Instacart changed the idea of buying groceries.
+* Facebook/Twitter/Insta/Reddit/Wechat/Whatsapp/TikTok/etc changed how we communicate
+* Google changed how we find information and advertising
+* Wikipedia changed how we store and peer review public knowledge
+* Zillow/Redfin/Zip changed real estate.
+* Netflix/YouTube changed how we consume media
+* edit: Someone suggested I add Tinder/Match has changed how we date.
+
+**The list can go on and on and on,** ***right?***
+
+What's important to take from this is that these things all offer **services and experiences** *that are fundamentally different* than what they were before.  They have an entirely different set of strengths and weaknesses that hinges on the internet, and that's what makes it disruptive.  Additionally, it's important to keep in mind that every disruptive system eventually gets used in ways, for good and bad, that it was never originally intended for.
+
+**And this**, I argue, is what makes r/Superstonk a disruptive force in which the rest of the ecosystem will have to accommodate for now, going forward, in the same way other existing elements in other markets had to adapt to new disruptive forces or face extinction.  We are the element that financial elites *least wanted* to evolve, but I argue we are an inevitable market force meant to balance against their abuse of the system.
+
+[notice u\/rick\_of\_spades on the main screen.](https://preview.redd.it/xvle5q3933371.jpg?width=677&format=pjpg&auto=webp&s=5255a0641c5c4962cb1b71522eb700db493c099a)
+
+And it's wonderful because its warm and full of little ironies.
+
+# IT'S ABSOLUTELY TRUE MOST OF US
+
+will never be able to do the level of due diligence that our best DD writers are doing (like u/atobitt u/criand u/homedepothank69 and dozens of others) on our own.  And that's ok, remember every disruptive system is disruptive *because it's different, and the metaphorical cogs and gears we've naturally settled into all have their own purpose.*
+
+*Yes, it takes a certain amount of knowledge, tools, and work to write good DD.*
+
+# But it also takes a baseline level of knowledge to consume DD.
+
+I argue that the true smooth brains, myself included, have grown more wrinkles than we give ourselves credit for.
+
+**ANYONE can watch an oscar-bait movie and tell you what the plot is** but it takes a minimal level of knowledge to tell you what the story is **about.**  *Likewise,* ***anyone***  can read our DD and be like "there is fuckery in our market," but it takes a base level of knowledge to understand how it's happening.
+
+Growing up, our education system did very little to teach financial literacy in school.  Whether by design or not, my public school education in finance involved learning to write checks in 1st grade, and pretend buying and selling of stocks (and back then we used newspapers) that mysteriously goes up and down.  Multiple market crashes and the MSM narrative that billionaire hedge fund managers are smarter than us (which is a lie, the key word should be more criminal than us), turned me off from ever entering the market for a long time.  "*The game is* *rigged against the little guy"* is a sentiment that everyone *feels.* What's happened as transformed that *feeling* into *knowing.*
+
+I think there are many like me.  A year ago, I didn't know what NBBO, bid-ask spread, DTCC, option, margins, shorting, etc. even was.
+
+**If the me from a year ago read today's DD, I'd be clueless.  Even the memes wouldn't be funny, because 90% of the memes actually require some understanding of the DD to understand.**
+
+​
+
+Let's take a little walk through what this disruptive force has **done** **so far, and how we're changing investing forever.**    (THIS IS THE TLDR).
+
+**~~Uncovered~~** **Deconstructed a naked shorting scam**
+
+* Dissected said scam mechanically, to understand how it's being carried out, and then distilled this information down to a base level that the average of group can interpret. We've had DD writers look at every aspect:
+   * Their motivation for the scam (making tax free money by manipulating companies into bankrupting)
+   * Their means of getting away with it, as the regulatory agencies have a direct conflict of interest.
+   * Rehypothecation of shares
+   * Naked Shorting
+   * Shorting indirectly by pulling apart ETFs
+   * FTD cycles, and how they extend these by hiding them in options.  (What a huge one this turned out to be!)
+   * How they criminally mark shorts as long and get away with a slap on the wrist
+   * How the SI reporting is a complete scam to begin with
+   * Orchestrating pump and dumps to extract more money
+   * Manipulating media in order to manipulate public sentiment, and directly timing price movements with a narrative that they create, not what is actually true.
+   * Paying "bad actors" to directly infiltrate retail communication in a psyop campaign
+   * When shit really hits the fan, they directly disable buying and execute flash crashes.
+   * probably some other shit I'm forgetting
+
+​
+
+**Raised the average level of knowledge of everyone that frequents the subreddit.**
+
+* **bUt wHaT about FunDamenTals herp derp**.  I think apes have analyzed gamestop's fundamentals far more than most people analyze fundamentals, period.  And we've learned that fundamentals aren't the true driver of stock price in our heavily manipulated market, but we're backing a stock that has strong fundamentals anyway, so that MSM argument is shit.
+
+​
+
+**Deep dived for** ***real information, not MSM fluff***
+
+* We have apes that have dissected every DTCC/ICC/OCC/NSCC document that's come out the last few months.  We've examined how the entire stock market actually functions on a mechanical level.
+   * there's even an ape that is out there filing FOIA requests with the SEC
+   * edit: more on this point, we have ballsy apes straight up writing and calling politicians, regulatory agencies, and brokerages for information
+* We have apes breakdown every legal filing GameStop puts out.
+* We have apes breakdown 13F and all sorts of filings from financial institutions
+* edit: We have apes literally writing mini biographies of the new C-Suite.  Apes literally straight up contacting them on linkedin and twitter, researching their track record in business.  <=== if this isn't some solid fucking due diligence on fundamentals, than what the fuck is.
+* edit: We have apes studying the villians in this narrative and how they're connected to different pieces of the puzzle.
+* We have mods bringing in and consulting veterans, u/dlauer, Wes, Lucy, Dr. T, Carl who have spent their lives fighting financial crime
+* We have apes doing technical daily and educating others how to read charts.  Most of us would never be able to tell you what OBV, RSI, macD, VWAP, etc etc etc was before this.
+   * EDIT: I've seen posts with AI anaylsis, fourier sound analysis, and even stenography.  Regardless of accuracy or relevance, apes are literally looking at things from every conceivable angle, and presenting said information to the forum to counter or support.
+* We have apes cross analysing the entire financial market for correlations.  VIX, S&P 500, Russell 2000, treasury bonds and ONRRP, other meme stocks, block chain coins.
+* We have apes examining the unusual in building late night activities of large institutions
+   * And going as far as driving hours to post pictures of buildings with lights on.  EDIT:  We also have apes that get off on these pictures of buildings with lights on, so there's that.  maybe we need to get a #TIWTUA (this is what they're up against) going.
+   * one really special ape went a flew a drone.
+   * We even had apes to and take pictures of the Glacier Capital Mailbox.
+* Most importantly, Apes then share their findings, analysis, and thesis's for everyone to peer review.  And **all is this is happening simultaneously** next to apes making memes and sticking bananas in the wrong orifice.
+
+​
+
+**MEMES & MEME CULTURE & QUALITY SHITPOSTS**
+
+* It's easy to blow this off, but I argue the memes are important as hell.  MEMES one of our natural immune defenses against FUD
+   * Some memes serve as MORALE boosters.  They're funny and get us laughing, or their infuriating and get us motivated.
+   * Some memes are actually informative.   They distill an important information into something an instantly digestible bite, and point users to a DD they may have missed.
+   * Some memes are esoteric.  They get people talking and discussing what the true intentions are behind them (looking at you, genius of genius's u/deepfuckingvalue , and RC)
+   * Some memes are simply historic, like u/buttfarm69 's Chairman Cohen.  Fucking kudos to you that you're still doing quality shitposts instead of just letting that be your peak.  EDIT: you peaked again while I was writing this, you legend you.  [This is for you, mate.](https://www.reddit.com/r/Superstonk/comments/nrm4z1/this_ones_for_you_ubuttfarm69/)
+   * And some shit is truly unexplainable, but I think still very important (like banana's in ones ass).  The truly unexplainable stuff is what I believe is the best point I that made long ago that was highly upvoted:  **WE DON'T MANIPULATE THE MARKET, WE ARE THE FUCKING MARKET.**  We're millions of *individual investors, and no one is manipulating shit.*
+
+​
+
+**The Immune System:  Defending against an ongoing psyop campaign by the shorts**
+
+* When the body is under attack, an immune response of white blood cells, Lymphocytes, histamines, and physical reaction work in tandem to repel the invader.  Like the immune system, this system has fucking *EVOLVED to repel shill invaders.*  I'm so fucking blown away by this. Forget repairing organs, we've literally grown new *bodies* by migrating forums multiple times.  Hedgefund's shoveling money to pay "basher", as Wes Christiansen called them, and we've developed an immune response against it.  Like a virus, they keep evolving, but so do we.
+   * We've developed a culture of questioning everything, which is healthy in moderation (this is like the histamine response.  Too much can cause an allergic reaction, so it careful to keep this at a nice medium).
+   * We've got our knights of new (white blood cells) upvoting and downvoting thousands of posts.
+   * We've got SATORI (Lymphocytes), an AI analyzing how shill individual posters are.
+   * Mod Banhammers, karma and age requirements (physical reactions).
+   * We've developed the ability to pick apart MSM articles and their sad excuse of DD (I just equate this to pooping.)
+
+​
+
+**We've changed everything because we got involved.  This alone is a solid indicator of how important we are.**
+
+* If you look at the graph for people that watch House Committee Services livestreams, you'd think you'd be looking at the chart of the MOASS.  Seriously.  The long ass boring, mostly useless hearings generally garnered less than a few hundred viewers and we broke 1000 fold.
+* We're forcing brokerages to *cater to us*.  Brokerages have seen how retail has exited Robinhood *en masse*, and they're all acutely aware they could become the next Robinhood.  Even more so than damaging their businesses, these brokerage CEO's likely don't want to be the next boy in bulgaria meme.
+* Brokers are having to change there automated messages *just to deal with the volume* of apes calling them.  Services reps are literally dealing with apes calls all day everyday now.
+* To quote u/ohcrookedwarden in the comments below, a top US broker Fidelity, is in the process of "*chang\[ing\] their entire app* to cater to the inflow of the next generation of brokers."
+* We're **exercising shareholder rights**.  This is where the meaning of "voting with your wallets" has been all along, right under our noses.
+   * Seriously, this was such an underutilized power, that many brokers didn't even have fucking systems set up to **VOTE** in the first place.
+
+​
+
+[Updated for the 3rd time based on today's posts.  I've been keeping track of all the international brokers that rose up to retail demand \(and the few shitty ones that didn't\)](https://preview.redd.it/grevjvtxi3371.jpg?width=1020&format=pjpg&auto=webp&s=963e07fc37070954b21a05d60b1b2c0ba6f6d2d0)
+
+Seriously.  I'm so proud to be an infinitesimally small part of this.  Some Apes (like our DD writers), are the fucking superheroes in our scene.  The rest of us but one of a million boots on the ground, and that's OK.  Individually, we're nothing. But remember, APES STRONG TOGETHER.
+
+​
+
+EDIT: BONUS:  We've possibly collected evidence that we're actually living in a simulation 😆😆😆
+
+EDIT2: fixed some typos and grammar I think.
+
+EDIT3: more shit grammar fixing.  expanding on a few points.
+Credit is there to protect the illusion that we still have a viable middle class in this country, and help's hide the effects of inflation on our every day lives.
+
+Think about it, 36-55k a year (depending upon where you live) is still considered middle class, however most people in this category cannot afford homes, cars and other things without massive borrowing. Middle class? not likely. In actuality, the people making 100k-250k are the "middle" class, with the poorer people simply believing they are middle class but not realizing if it were not for credit they would not be able to afford most things in life. That way, the super rich that control the country have the poor lulled into believing that 30 year loans are the norm and they don't realize that they are simply lashed to the slave stick. 
+
+Not to say that it is impossible to buy things without credit, but most people i know simply go "30k car? I'll just put 3000 down and get a loan for the rest.." 
+
+In America, it used to be possible for the Father of the family to work a job while the mother would stay at home and raise the kids. By job, I mean a normal job, like a factory worker or an office drone. Nowadays, BOTH parents work their asses off while the schools and television raise the kids and people still are barely just getting by... something is wrong with that picture. The "middle class" is in rapid decline.
+* I should note, 36-55k before taxes. 
+Hi everyone,
+
+First time here. Came looking for any advice, tips, suggestions, etc. about how to start saving for my son’s future. 
+
+My husband and I both came from modest income families who told us to save but never taught us how to save. We had to und our own education, like many people do, and we are now almost at our goal for a down payment for a house. 
+
+Although it feels good to have worked for what we have, it’s been stressful. We would like to ease that stress for our son if possible so he may have a nice amount for whatever he may need (education, car, home)once he’s an adult. 
+
+What kind of savings accounts are out there? Which is the best? Do they require specific amounts to establish? 
+
+I didn’t mention it before, not sure if it matters, but he’s almost 3 years old. 
+
+Any info would be great! Thanks in advance!
+Previous post-
+https://www.reddit.com/r/realestateinvesting/comments/ivyu8d/im_not_a_realtor_and_my_tenant_wants_to_buy_the/?utm_source=share&utm_medium=ios_app&utm_name=iossmf
+
+The only reason I have even contemplated selling directly to her before putting it in the market was to in fact save in realtor fees which would be at or near 20k.   I have questions and maybe you have answers to questions I didn’t think to ask.
+
+She is trimming to say if the house is worth 380 then just subtract the realtor fees and she will buy it for 360, thus giving her instant 20k equity.  I told her that even though I know I will/would have to pay the fees if I put the house on the market, she the buyer would have to pay the 380 to live there.  I suggested that we find a price point that we both agree on and potentially split the realtor fees in savings.  So meet somewhere in the middle at 370k.
+
+Her response was that she is doing all of the work!!!   Because she has to do all of the contracts??  Also she is saying that she will be writing up the contracts for both of us.. that seems odd. (Red flag). 
+
+I realize that realtors when out on the market have a lot to do as far as listing a house, when putting a house on the market, but what about when they don’t?
+
+She also wants me to come up with a price I want to sell it at.  So many problems.  I’m not a realtor and I told her that I can no longer accept her word as truth because now she is the buyer and wants the lowest price and I am a seller and want the highest price putting us in a conflict of interest.  
+
+Also worth noting the market in the area is selling hot and fast, and interest rates are historically low.. so why in the name of anything holy would I agree to give her 5% commission or a 20k discount for a market that has the potential to overbid???  
+
+1.So my question is what is the process that happens when 2 people agree to a price is a realtor necessary?
+
+2.What does a realtor do “job wise” when 2 groups come together and agree on a selling point.  ( It seems significantly more if they list the house and put it on the market)
+
+3. What happens when a buyer and a seller come to a price point without a realtor, what happens then? Do you deal with just a mortgage lender?
+
+4.  If a realtor is necessary still what role do they play and potentially what percentage of the deal is deemed appropriate?
+I have had a st George account for over 20 years now. I have used it for many reasons over time but mostly because I chase lower interest rates on home loans and they don’t always have branches near me or at all.
+
+I transferred 30k~ from an offset account of mine to st George. I called them to tell them that I was coming to take the money in cash but understand it may not be at the branch. This turned into a 25minute phone call with them grilling me about the usage of the funds. I was very forward about why it was being used but I was told they need their managers approval. I asked them to call me back once they had it.
+
+I waited two days and no phone call back so I called the branch again and let them know I would be coming in 2 days from now at 1:00pm to get the money. Ended up going on again about manager approvals etc and I ended the call fairly abruptly that I would be there at 1 to get the money in two days, please have it ready.
+
+I show up at 1:00pm as I told them and approached the teller and mentioned my “appointment”. At this point my patience was actually a bit short and they started asking me all the same questions again and providing all the warnings etc. After over an hour of talks with the teller, the on site manager, and multiple phone calls with other st George staff, I started to become frustrated. No raising of voices or anything just very blunt and direct with responses.
+
+I told them that they had all the information I had to provide and I would sit in the chair until they have the money. 10 more minutes past and I was called over to get the cash. At this point I was actually nervous now because people are not stupid and could hear the conversations being had over a 75 minute period. Leaving the bank I could not stop thinking about how it actually gave people time to know what I was there for and actually do something about it on the long walk back to car.
+
+Overall it was about 3 hours just to take 30k out of the bank. Anyone else found it to be a punish to get cash out?
+**TLDR: It's baaaaaccckkkk... It's been two long months, but the gamma spike is back! GME is soaring above the gamma maximum, and the options indicators are shifting up to support this increase. All this information points to a higher probability that the price will continue to increase!**
+
+​
+
+ **Background**
+
+My work is built on the idea that the market is largely unpredictable, but one particular kind of behavior is certain - hedgies gonna hedge. It's written into their algorithms. Specifically, they like to delta hedge and gamma hedge. This work tries to profit on this one particular type of buying/selling behavior, and works well for giving guardrails for stocks with high options volume relative to the underlying equity volume.
+
+I have a slightly new look for the graph below, so I could layer on the total market delta sensitivity test at the bottom to help explain what's happening. This graph contains the following:
+
+* **Underlying GME Close (Blue)**
+* **Maximum gamma (red)** \- point with the highest total market gamma across all open contracts. This indicates the point where a 1% increase in the underlying price would result in the highest change in the total market delta, indicating the point where a change in price would result in the highest buying / selling of the underlying stock due to hedgers hedging.  
+
+   * As you can see, this point generally acts like a market ceiling, but fun things happen with the price surges past.
+* **Delta neutral (grey)** \- point where the total market delta is zero across all open contracts. This indicates the equilibrium of the call / put options based on the current mix of options contracts.  
+
+   * As you can see, this point generally acts like a market floor. However, the price does go below it occasionally, and the underlying behaves differently when that happens
+* **Gamma Neutral (orange)** \-  Point where the total market gamma of 0 across all GME options (all expiration dates) for a given date. It's been awhile since I've written on the gamma neutral here! yay!
+   * It acts like support/resistance between the delta neutral and the underlying, and typically bounces around between the two prices for most symbols.
+   * It also goes crazy in periods of high volatility, as you can see by the very higher spikes.
+   * A gamma spike indicates the presence of POTENTAILLY slippery option market conditions, which COULD lead to a gamma squeeze. There were certainly spikes present back in January, but we had a few one-day false starts this last month.
+   * They are often triggered by high price movement in a day, which can lead to continue high growth if underlying volume supports it.
+   * Gamma spikes can also be triggered by unusual options purchases during the day. These are the one ones to find, because you can often catch the high increase waves before they actually start.
+
+Note I took out the delta sensitivity tests, because they are not relevant for this post and cluttered the graphs. If you're interested in those, [see prior post](https://www.reddit.com/r/Superstonk/comments/ql4hnk/gme_blew_past_the_delta_neutral_now_its_battle/)
+
+​
+
+ **Graphs**
+
+​
+
+Zoomed-in view of 2021.
+
+[GME 1\/4\/2021 - 11\/4\/2021](https://preview.redd.it/grgdgmjfykx71.png?width=910&format=png&auto=webp&s=7b3f8ae4a9c69664fc3efd885f898fa0d5fe9ba4)
+
+Log based-10 view so you can see our latest gamma spike beauty in all her glory. 
+
+[GME 1\/4\/2021 to 11\/3\/2021](https://preview.redd.it/3iverbcvxkx71.png?width=910&format=png&auto=webp&s=93356dc0936c8967f03d2ef402ced0ce0b6c4c37)
+
+ 
+
+Here are the key points I want you to take away from this:
+
+* The underlying was below the delta neutral for about a month, but the delta neutral of $185 did not decreased with the underlying, like it did back in June/July, which indicated the options mix did not support the underlying drop.
+   * [I wrote a post last week about how this proved the PRICE WAS WRONG and would bounce back soon.](https://www.reddit.com/r/Superstonk/comments/qfeama/options_market_says_the_price_is_wrong_with_delta/)
+* Then it was time to do battle with the gamma maximum point at $205 on Tuesday, and she blew through it like a champ.
+   * [Post on that for more information on the gamma maximum](https://www.reddit.com/r/Superstonk/comments/ql4hnk/gme_blew_past_the_delta_neutral_now_its_battle/)
+* GME is soaring on top of the gamma maximum point, and should be riding that bull gamma upwards! On top of that, the delta neutral and gamma maximum points are tilting upwards, signaling the options mix is supporting this underlying price increase! 
+* So defeated the delta neutral last week, the gamma maximum on Tuesday, and now it's time to tackle the gamma neutral! As mentioned above, the gamma neutral spikes occur with unusually high increases in the underlying price and unusual options activity that makes the options market unstable. 
+* They can lead to prolonged increases, like what we saw in January, February and May. Or they can be one-hit-wonders and signal the peak of an increase (like August). I personally think of the gamma neutral as my hulk indicator, and when it spikes, it means the options market is wild and unpredictable, but gives the underlying the power to smash up the market. 
+* When I trade this indicator, I wait until the gamma neutral spike is present for a couple of days and is continually increasing.  You can see in January that the gamma neutral spike steadily increased with the underlying price. That's what we want to look for when we evaluate a squeeze scenario.
+
+See the movie stock in log-based 10 view as an example:
+
+​
+
+[Movie Stock 1\/4\/2021 to 11\/3\/2021](https://preview.redd.it/f9csgbxf0lx71.png?width=910&format=png&auto=webp&s=e97e0e053f3d65800a94da683e85ebec056c17be)
+
+* As you can see above, the movie stock had a nice increase in May/June, and the gamma neutral dropped/plateaued near the peak, and the spike even went away towards the peak, so this is when I sold my movie stocks. 
+* So this is what we're hoping to see going forward, continual increase in the underlying price, accompanied by continually increasing gamma neutral spikes.
+* When the spikes level off, it's a warning that we may be hitting a plateau, and when they go away, it's a signal we may have hit the peak. 
+* If the price drops today... then the gamma neutral hulk probably just smashed the bear way... Let's hope we get bull hulk today!
+
+**TLDR - 2nd note... for some reason you dumb dumbs can never find it if it's in one place.** 
+
+**It's baaaaaccckkkk... It's been two long months, but the gamma spike is back! GME is soaring above the gamma maximum, and the options indicators are shifting up to support this increase. All this information points to a higher probability that the price will continue to increase!**
+
+ 
+
+**Frequently Asked Questions or Comments**
+
+* Technical indicators don't work on GME / Hedgies aren't hedging like they're supposed to, so it doesn't matter  
+
+   * That's a perfectly find opinion to have, and I respect it. My work tries to add some rhyme / reason to market movements, and my work still indicates to me that there is some method to the GME madness.
+   * I still think hedge funds are hedging, because GME is behaving very well based on my options indicators, and it is all still making sense to me.
+* Where can I get these indicators / analysis, or how do you make this?  
+
+   * I make these indicators for all optionable stocks using options data feeds, Matlab and Excel. I use it for my own trading purposes. As far as I know, they aren't available elsewhere. I have a methodology / assumptions section at the bottom of most posts if you want to know more.
+   * I'm always happy to send anyone graphs for any particular stock they're interested in. Just shoot me a message, and bug me if I don't respond in a day or two.
+   * Note life has been particularly crazy though, so I've fallen behind on a lot of these requests.
+* GME didn't do what you said it would. Is your model wrong?  
+
+   * Always possible my model is wrong, and I'm always working to improve it. However, I will continue to emphasize that I'm only working in probabilities, and nothing is certain in the stock market. I think the scenario laid out in this post is the highest probability scenario.
+
+​
+
+https://preview.redd.it/8fnk4lbatkx71.png?width=398&format=png&auto=webp&s=1a3b22ef0fa66f9f7f0424b5fc37f2c5322f3899
+
+* Gamma is always positive, so you can't have a gamma neutral.  
+
+   * It's true gamma factors are always positive, but when you make a total market gamma, or total portfolio gamma, you add call gamma and subtract put gamma. This is what I'm doing in my work.
+
+**Methodology and Assumptions**
+
+[It takes up a lot of space, and I doubt anyone ever reads it, so if you're interested, check out the methodology and assumptions section at the bottom of this post.](https://www.reddit.com/r/Superstonk/comments/qfeama/options_market_says_the_price_is_wrong_with_delta/)
+
+**TLDR - 3rd note... for some reason you dumb dumbs like being called dumb dumbs... here's a third TLDR. Oh! and I changed something in each TLDR... Can you find it?**  
+
+**It's baaaaaccckkkk... It's been two long months, but the gamma spike is back! GME is soaring above the gamma maximum, and the options indicators are shifting up to support this increase. All this information points to a higher probability that the price will continue to increase!**
+You will be disappointed and demoralized, when you keep behaving like this. 
+
+1. Pixel's Endgame DD (still loving him of course) 
+2. Several other Endgame DDs
+3. January fake gamma squeeze
+4. Twitter Accounts hyping shit up
+5. Several new rules in action, promising us the new land
+
+We were Jacked to the tits, but got disappointed by reality. And reality is, that those fucking GF probably have some more tricks up their sleeves. 
+
+I have been part of this journey since December. That is also why I have long stopped being too hyped about anything like price increases, news, amazing DD or AMAs. All I do is occasionally averaging up (like today and yesterday) and vibing until it happens.
+
+This sub reeeally loves to get over hyped easily and this is the reason why I would like more apes to calm down their tits at least a little bit.
+
+Be patient. Be calm. Become fucking rich.
+
+Edit: spelling
+Does anyone else who had VUL in their watchlist since they were under $1 and didn’t buy just look in the mirror every morning and see disappointment... or is it just me 🥺
+I just came across this article on how the registration fees are going to go up significantly.
+
+https://timesofindia.indiatimes.com/india/huge-hike-in-vehicle-registration-charges-likely/articleshow/70403813.cms
+
+It looks like the auto sector is getting hit in every direction. Does anyone know if the current government is trying to discourage auto purchase? Any one done any research into what this government feels about private automobiles. And with the current climate is it worth investing in auto stocks? 
+
+Personally I have an eye on Maruti, but I am not sure based on news articles like this and the general sluggishness in the market. Any insight would be appreciated, is the auto sector worth getting into?
+As a novice investor and somewhat experienced UX Designer, when i saw tickertape i was really amazed with the experience. There are some ups and downs to it according to me. I was thinking to make a side project of redesigning it and  as this is a great place to interact with investors i would love to know your experience with the website and what challenges you face and what you like about it. Also, Would you recommend some other product over it for other investors?
+
+Edit 1: If any of you guys could give a specific comparisons to others screeners like tickertape, you are welcome to. I'd love to get as much information as possible.
+
+Edit 2: One thing i forgot to ask, they have a "beat the street" section which seems like a great incentive to attract and fixate people. But does anybody know how are they making up for the amazon vouchers they are giving away to 100's of people everyday?
+Welcome to the Daily General Discussion thread of /r/EthTrader.
+
+***
+
+Thread guidelines:
+
+-  Please refrain from discussing non-Ethereum related tokens here. You are welcome to discuss altcoins in the Daily Altcoin Discussion thread.
+-  All [sub rules](https://www.reddit.com/r/ethtrader/about/rules/) apply here so please be familiar with them.
+
+***
+
+ Resources and other information:
+
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+
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+
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+Enjoy!
+
+The title kind of sums up the situation, but essentially my girlfriend and I ran into some financial trouble this month and we’re late paying our rent. For some reason when rent hasn’t been submitted online through their portal by the 1st of the month, the option to pay online isn’t available. Whatever, that’s fine. Just going off of muscle memory of when I was younger and had issues with being late on rent I head to Walmart to pick up a money order for the amount without even thinking to check with our front office. Get the money order, stop by our front office to drop it off and that’s when they tell me that they don’t accept money orders and they need a cashier’s check. Fine, except for the fact that I had already addressed the money order to the apartment complex and now my bank won’t accept it as a deposit. Fine again, I guess. I head back to Walmart to cancel it, they state that I have to wait 24 hours before I can cancel it and receive a refund. Not fine.
+
+At this point I’m understandably frustrated, swing by the front office and tell them the situation and that I won’t be able to pay rent until I get a refund from Walmart for the money order. 
+
+I go home and decide to check up on our lease, and it states multiple times that they do accept money orders and cashier’s checks, but do not accept cash. 
+
+Is there anything that I can do at this point? Given that the lease clearly states that money orders are an acceptable form of payment, I feel like I shouldn’t be responsible for the the daily late fees that will be charged after today. How do I go about this??
+I see these posts all. the. time. If the banks don't think the lender is reliable enough to warrant a loan at a reasonable rate, take the hint! Banks make the terms based on a long history and knowing the risks.
+
+At best, you are enabling them to buy something they can't afford, and at worst YOU will be held responsible for funding it if they stop paying, and putting your credit and lending ability at risk. It's never going to be a good idea.
+Your markets are run by bots. Now your daily threads are too.
+
+​
+
+This thread is for plans and thoughts prior to the market open period.
+
+Maybe use this time to read the [wiki](https://www.reddit.com/r/asx_bets/wiki/index/) [.](https://styles.redditmedia.com/t5_2hqqj5/styles/communityIcon_41pmnaqp4zn41.png?width=256&s=59bf38425fb316fdcba30365b272a5f19352f370)
+
+​
+
+Posts relating to the "Is /r/ASX_bets about finance or effect your mental health?" etc will lead to a ban of the mods chosing. [You have been warned](https://www.reddit.com/r/ASX_Bets/comments/l0l9et/the_does_asx_bets_effect_your_finances_emotions/?utm_medium=android_app&utm_source=share). Last ban length: 262144 days
+
+​
+
+[We have an active official/unofficial discord. It's open to all discussions, stonks related and non-stonks related](https://discord.gg/2sQBNuM).
+Your markets are run by bots. Now your /r/Asx_bets daily threads are too.
+
+Read the [wiki](https://www.reddit.com/r/asx_bets/wiki/index/) people[.](https://styles.redditmedia.com/t5_2hqqj5/styles/communityIcon_41pmnaqp4zn41.png?width=256&s=59bf38425fb316fdcba30365b272a5f19352f370)
+
+[Posts relating to the "Is /r/ASX\_bets about finance or effect your mental health?" etc will lead to a ban of the mods chosing. You have been warned.](https://www.reddit.com/r/ASX_Bets/comments/l0l9et/the_does_asx_bets_effect_your_finances_emotions/?utm_medium=android_app&utm_source=share) 
+
+Automoderator may provide "Guidance" for Lazy and zero effort posting.
+
+[We have an active official/unofficial discord. It's open to all discussions, stonks related and non-stonks related.](https://discord.gg/wsNDGTf5QH)
+Your markets are run by bots. Now your /r/Asx_bets daily threads are too.
+
+Read the [wiki](https://www.reddit.com/r/asx_bets/wiki/index/) people[.](https://styles.redditmedia.com/t5_2hqqj5/styles/communityIcon_41pmnaqp4zn41.png?width=256&s=59bf38425fb316fdcba30365b272a5f19352f370)
+
+[Posts relating to the "Is /r/ASX\_bets about finance or effect your mental health?" etc will lead to a ban of the mods chosing. You have been warned.](https://www.reddit.com/r/ASX_Bets/comments/l0l9et/the_does_asx_bets_effect_your_finances_emotions/?utm_medium=android_app&utm_source=share) 
+
+Automoderator may provide "Guidance" for Lazy and zero effort posting.
+
+[We have an active official/unofficial discord. It's open to all discussions, stonks related and non-stonks related.](https://discord.gg/wsNDGTf5QH)
+So, I’ve watched the hysteria surrounding lithium like a true cuck and haven’t bought a single share. I remember suggesting LKE to a mate of mine as an idea for us to jump in on back in February (I’ve checked the date in messages) and yet here I am today, still without a share - yes, my Wife’s out with her boyfriend hence me being able to write this novel. 
+
+I’m after some genuine reasoning why, or why not to jump on at what feels like a late stage. I’ve done my own research before some boomer from HC jumps on my post with a “DYOR” “Gltah” “Tree Shakeout” BS, and can see the outlandish potential Lake has with Katchi. 
+
+There’s a 45 page document on Lake’s website suggesting the potential for a target SP upwards of $6.50 by by mid-2025 and that has my FOMO juices flowing because I’d still be well in the money if that eventuates. 
+
+I understand the Lithium supply demand thesis over the next 10 years too. 
+
+TLDR; I’m a dumb fuck who’s missed the boat (thus far) on LKE and all other things lithium. Reason with me where this trains headed/what hurdles derail the train
+The debt we have is a few hundred on an Amex BCP, about $6k on a 0% card with 20 months left, plus two car payments totaling about $700/mo. Our mortgage is $1600/mo. I have an $804 child support payment. The PMP course was supposed to be reimbursed by my company and was $2,500 at a local university - the best I can get is $2000 back. It was charged to the 0% card. I'm a consultant/software developer, my wife is a construction manager. In addition to any other advice Reddit has, and an aggressive job search, my question is: should I stay in the PMP course, or accept the $500 loss and cancel it?
+
+*I -was- laid off. Caffeine hasn't kicked in yet.
+
+Update: we were only making that much money for 19 months and 4 months in we were hit with a 35k lawsuit. Prior to that, combined we made less than half of that. I was paying $600/mo in good faith, but when we moved the ex wanted more and sued. We mediated for $804/mo eventually, but not before she dragged everything out. I paid $4k in arrears. We also sunk a lot of money into house repairs.
+
+Update 2: I absolutely sincerely appreciate the advice and the sympathy. I also understand the rage: "How you you be making this much money and be so <insert colorful words here>." I really worked hard to get here, made a few mistakes and foolish choices, and had some bad luck. That's life - and I'm confident that I'll recover.
+
+I haven't been able to respond to all of the comments, but I am reading them. You took the time to respond, I'm going to take the time to read. Thanks for the advice and perspective.
+
+Life. Lemons. Combustible lemons. 
+
+Update 3 @10:44pm EST (USA). Thanks for the insight, the help, perspective, and the advice. To those of you who PM'd, I'll be responding tomorrow. I'm going to keep reading as long as people keep responding. 
+
+Update 4: the Range Rover is my wife's car from before we were married. We owe about $2k on it. It's reliable, oddly enough. We also have a Volt - my car. It costs us nearly nothing to operate apart from the payment. We owe about 10k on that.
+Last time I was looking for a new rental to lease I came across a listing through [Cubbi](https://www.cubbi.com.au/). From what I understand it handles most of the day to day jobs of a property manager like maintenance requests, payment handling, listing to [realestate.com.au](https://realestate.com.au) and [domain.com.au](https://domain.com.au) and tenant screening.
+
+I'm just a renter so I don't know exactly what it's like on the other end of the lease contract. But as a software developer it seems to me like most of the tasks of a property manager can solved with automation and self management and you can save yourself a large percentage on fees.
+
+Is it a generational thing, with many landlords maybe being older and would rather manage the property traditionally? Or mostly just that they would rather not deal with any of the management themselves and just receive passive income?
+I took some notes during today’s zoom call with Charles Gradante. These are rough notes captured on my phone, so feel free to correct where needed:
+
+-Regarding the current state of the market: “Everybody’s on the same side of the fence, and where that happens it’s dangerous”
+
+-“A Black Swan event in the near future is likely”
+
+-Regarding the correction occurring in the markets right now: “As liquidity drains, there’s going to be someone standing there with no shorts”
+
+-“A market crash won’t come until bonds become as competitive as stocks. And when that happens you get the ‘87 crash”
+
+-“Current inflation is 7%, but supply chain issues represent 3% of that and real inflation is 4%”
+
+-“Naked shorting can go on indefinitely, as long as the buyer/lender doesn’t stop it. They stop it by DRSing”
+
+-“The DTCC is the most important player, the big dog, if they have an imbalanced book they are the cop that needs to sort it out.”
+
+-“If there are no deliveries on GME, what else are there no deliveries on?”
+
+-“Robinhood was under capitalized for the amount of calls they sold last January”
+
+-Referring to GME: “This is the most crowded short I’ve seen in 20 years. Maybe since Enron. Very crowded”
+
+-“The SHFs did not properly hedge, they got overly confident, should have bought OTM calls to protect against a squeeze”
+
+-“Naked shorting shouldn’t last more than a trading day.”
+
+-On the benefits of prolonged naked shorting: “If there’s no stock to borrow, then there’s no borrowing cost to pay.”
+
+-To control naked shorting: “The DTCC should increase borrowing rates when shorting gets above 50% of the float.”
+
+-“All shorts must cover, even if the stock price goes to near zero. SHFs can’t get out of it by bankrupting the company. “ 
+
+-“Robinhood is a good takeover acquisition target by the banks or someone like Square or PayPal”
+
+-“Blockchain with T+1 settlement is a solution to prevent future GME situations”  **<—- Edit: not sure I captured the context of this correctly. Hoping someone else who heard can clarify his wording. **
+
+-“Panic is one of the key things the DTCC is there to control, and that’s what they did last January.”
+
+-“If the SHFs can sell more than 100%, why can’t retail buy more than 100%?”
+
+-“Retail should look more into the recent FINRA GME settlement”
+
+-Is the Pop Corn and GME squeeze over?: “GME still has support, it’s not back to $10 yet. But since retail got hurt before, will they want to rejoin the market?”
+
+-“CEOs have legal avenues if they have proof that their stock is being abused in the market.”
+
+-“We won’t likely see another GME situation in the near future, but regulations still need to be passed to prevent it.”
+
+-“At 70% short interest, the marginal fees should start to skyrocket. You better be damn sure the company is going out of business.”
+
+-On the chance of a recession or worse: “This is not like ‘87 crash, because the bond market isn’t competitive.”
+
+-“Mainstream media has become political, they answer to donors.”
+
+-Final words: “Go Apes!!”
+
+**Edit: another Ape seems to have found a link to the recording. Shout out to u/Yellow_Canary26**
+
+https://reddit.com/r/Superstonk/comments/shfj90/squeezes_margin_and_naked_shorts_join_hedge_fund/
+
+**Edit 2: regarding my quote about DRS, here is the exact wording:**
+
+At 8:33 he begins talking about:
+“You can have naked shorts that exist in the marketplace on infinitum if the buyer does not need to take delivery - does not want to take delivery - and there are situations where that is the case. However as soon as the buyer wants to take delivery of the security they will go through the DTCC channel and they will request delivery of the stock. In which case, the naked short must be covered and delivery must be made. If the short seller cannot get a borrow…they must go out into the marketplace and buy it.”
+The current property manager is terrible at getting quotes for repair (they claim they are out of options after getting a couple of additional estimates that are near the cost of their initial estimate), sometimes costing 2X the typical cost, until I step in and I message a few highly rated yelp contractors with a better price.  I'm tired of doing the work on their behalf, but there's 1 more repair left so I'd like to replace them once that is done.  Could you advise what to do next?  The property management agreement doesn't have details on what to do to initiate a cancellation?  Can I keep the current tenants (I do like them and don't want to scare them with the change in management)?  Should I expect any retaliation?  If so, how can I protect myself from it? Thank you.
+
+The home is 3hrs round trip from me, so I'd like to keep a property manager for the property.  And the home is in the san francisco bay area in case anyone has any experience in the local area to share.
+I've been trying to budget by I'm not having any luck. I write down everything that I spend in my checking account. I keep track of that and write that down probably every other month. But I haven't been having any luck, saving money. It just seems like the more I readjust my goals the the less I have, if that makes sense. I was saving $500 So half my paycheck every  two weeks. And then I thought that that was too much because I kept running out of money. Now I'm saving $400 And I'm still running out of money every week. Does anybody have any tips on how to stay disciplined and save money? Right now I go out every day for lunch. I'm going to try to stop that. And then there is gas but I still am not sure what  I am  spending on that is taking that much money. I spend $10 on breakfast and lunch everysay in the morning I could probably cut back on that and cut back on subscriptions.  But I feel like lunch and breakfast are necessities. $40 on gas when I get my paycheck.
+Sorry I'm very new to this but what statistics of a company did people analyse to determine that they will do well and are there any specific examples of these? What specific data would they look for e.g projected capital deficiency etc but im very new to this so don't understand much. 
+
+Is there anywhere online I can find out more about this?
+
+
+I was planning to transfer from Robinhood to M1 after seeing so many praises from reddit users in various investing related subreddits. I downloaded the app and I simply cant figure out buying individual stocks which should be pretty straightforward for a normal user. I am pretty tech savvy and still finding it hard. Is that just me? I like the concept of creating pies and creating portfolio but in my opinion basic functionality of buying a stock should be available AND should be EASY. Am I missing something obvious here?
+So I’m searching on Zillow and I see this 4-plex in Indiana which is selling for $190k. Theoretically, if I put a 20% down payment and live in one of the units, my total rental income would be $1950 with my mortgage payment being around $700 + $600 for expenses (tax, insurance, utilities, and hoa fees). I would also account for 20% of the total rent to be included for major repairs and vacancies. So $1950-$700-$600-$390= $260. Is this a good number for a cash flowing rental? I have never bought a house yet but I plan on doing so upon graduation. I currently live in California so that is why I would be living in one of the units theoretically.
+
+Edit: Thank you to everyone who gave info or advice, I truly appreciate it! I am still learning the market so any advice/info greatly helps!
+So what do you guys think? Will August 1st have any impact on ETH? 
+Will the price drop, as somehow all coins are connected to the development of BTC? 
+Will it rise due to the fact, that ETH has had a pretty positive media coverage in the last weeks?(supported by upcoming updates e.g. Metropolis, EEA, etc.) 
+
+
+Dear All, 
+What do you do, or know others do, to have passive income, other than compounding?
+I recently saw a video with some ideas: write a book, have a youtube channel, rent something (house, car, other things).
+Do you do something? Do you have other ideas?
+Thank you in advance for yor sharings.
+Do you:
+
+a) think you will outperform. However it seems most people think you'll underperform
+
+b) major positive is that its almost like a good way to generated some income from cash. Why do you need it though?  Does your salary not meet your living expenses and you need to generate income from your assets? What's the point of doing all this work and having a huge risk of ending up bag holding some stocks?
+You either are a boomer or have a boomer mindset. "Wait, let the experts file first", "Wait, don't bog down the system". This is an old world mindset. You think GME/Loopring would launch a product that could only handle a couple people applying? Who are you to determine who files first? You are the reason the rich get the advantage. How dare you discourage the the minuscule or disadvantaged.
+
+I want the 8 yr old boy who gets picked on at school but is a savant artist to apply first. I want the 15 yr old girl who doesn't fit the HS mold but is brilliant at coding to apply. I want the 23 yr old waitress, who struggles to get that first singing gig to apply. I want the 35 yr old dad who has a passion for baseball card collecting to apply. I want the 42 old single mom, who wants to explore her kids hidden artistic talents to apply.
+
+You don't get to decide. Its power to the players, creators and collectors!
+
+Edit: After careful thought and a cool message, some of you are right...painting boomers with a broad brush is wrong. Thats exactly what this sub is NOT about. I'll do better. Replace boomer with "close minded"!
+I just wanted to thank everyone here. This last year has been very crazy for my wife and I. This sub helped me get us on a budget for the first time since we have been together. For the last 10 years we would spend however we wanted without a care. We were lucky that we made enough to keep that lifestyle going but once our daughter was born, money got tighter. This forced us to take a look at our budget and figure things out. I was still in college and not working so our main objective was to pay down debt. Three months ago we paid off our last bit of debt and now just have our mortgage to take care of. Now that we have no debt and a great budget in place, we have been able to save $10,000 very quickly. We are investing automatically and continuing to build our emergency fund. This sub helped out so much and was great motivation to keep us going. 
+
+On a second thought, keep your money in a high interest savings because my normal savings account accrued $0.25 this last month with $10,000 in it. Definitely better places to keep it.
+
+Thanks again!!!
+He beat me to it! (sob)
+
+He's 38, single, no kids. I knew he was good with money--we had a couple chats about the fact we both have 2 rentals--but I had no idea (NO ONE at the company did) that he was in this position.
+
+He put in his notice today. When pressed about where he was going or what was coming next he revealed 1. His house is paid off. 2. His car is paid off. 3. One of his rentals is paid off. He plans on living off his rental income, and some hobby income (he hopes to buy a letterpress and is also thinking about real estate drone videos).
+
+I was like "So you're basically retired?"
+
+Him: "Yes"
+
+Then we talked about how he plans to spend the summer at the beach and ramping up his interests--stuff he's wanted to do, but never had time for before.
+
+It was a really awesome day. Happy for him!
+Corona is causing the worlds economy to take a hit, but for the lucky few of us who still have our high income jobs, it could be a blessing.
+
+I am in Toronto, and while real estate is still very inflated, it seems like it might be a good time to buy a rental property.
+
+What are some things you’re doing?
+I'm thinking on adding a few shares since i think the merger with T could be a great deal. Since the most important part for me is to be enter in the new society i should have different options:
+1) buy now disca or disck shares (but not exactly sure if i get more shares with one of the two)
+2) buy T shares to get the merged shares and than sell it if i'm not losing too much
+3) wait after the merge and than buy some shares there
+So any suggestion?
+
+I recently made a Discovery stock analysis here if anyone is interested 
+r/myStockResearching
+Hey everyone. I am seeing some discussion that in order for the fed to get inflation under control, they would need to raise rates above the current inflation rate. Obliviously there is a huge gap between the inflation rate and current interest rates. 
+
+Is there any truth to this? It doesn't sound right, but I have heard it mentioned several times by various talking heads and else where online. Thanks for the clarification.
+edit 2: Guys if you want to help get the word out and potentially save other Canadians from signing up with this nightmare of a broker **please tweet this thread at Questrade or Business Insider or marketwatch or bloomberg or anyone else that can write about it.** I don't have an active twitter account so can't really do it myself but would appreciate it immensely.
+
+
+I think it's important for Canadians to know that they could potentially get contacted by the police if they say something to their broker out of frustration or anger. 
+
+People should know what kind of company they are dealing with. 
+
+You can also email the News Tips email on sites with links to these threads if you want. 
+
+
+Thanks guys. 
+
+_______________________________________________________________
+
+[Original post](https://www.reddit.com/r/wallstreetbets/comments/frz0fp/my_broker_questrade_wants_me_to_sign_an_nda/)
+
+[Post #2 - Questrade Legal Contacted me](https://www.reddit.com/r/wallstreetbets/comments/fsnubq/contacted_by_questrade_legal_team_for_permission/)
+
+This is post 3. 
+
+So in the original email where they mention legal action they accused me of threats, extortion and defamation.
+
+>"We ask that you remove these posts immediately and you cease to use social media to post defamatory and misleading statements about Questrade in an attempt to extort funds from the company. If you do not remove these posts, you are put on notice that this will become a legal matter. Our legal department are already investigating two prior posts you made where you stated that you were ready to "burn down the building" as well as making the following statement: “ if I can’t get my money back I’ll be sure they lose an equal amount in whatever way I can.''"
+
+Obviously the quotes in the email don't provide full context but the cops understood that and read it back to me. 
+
+Paraphrasing here but this is the comment regarding burning down the building: 
+
+>What is going on with Questrade support? This is such a joke. It pretty much feels like all they're saying is "too bad so sad" and "fuck you". Honestly getting tired with this.. I feel like I'm going crazy... getting ready to burn down the building. What a joke
+
+So obviously I was saying it as a figure of speech and not serious in anyway regarding it but regardless Questrade took it to the police. 
+
+The other comment about "if I can't get my money back I'll be sure they lose an equal amount in whatever way I can" was meant as in them losing potential/current client's commissions. Obviously I didn't mean any harm which I clarified in my reply to the original email. 
+
+Basically the police cautioned me and said they don't think I was serious. 
+
+The call I got was around 1:30am EST and I asked if they usually call this late and the officer said that they were just getting to it cause they had more pressing matters (assuming COVID19). 
+
+Just a waste of police resources in general if you ask me. Especially during this time. Like the guy from the TradeDesk said to me in an email...
+
+>"To keep things in perspective, the world is reeling from a tragic situation.  Thousands of people have lost their lives.  Our staff have been working around the clock to help our clients get through this unprecedented crisis.  In response to our genuine attempts to find an amicable solution, you have threatened and insulted our staff.  I urge you to think about your actions."
+
+I would urge Questrade to think about their actions. 
+
+The officer also asked me if I was the one writing posts about "Questrade killing someone's wife"(?) and I think something about Hitler but I was able to clarify that it wasn't me writing those posts and it was other people who were likely upset. 
+
+Just find it pretty ridiculous that police had to waste their time going through screenshots sent by Questrade of their sub... 
+
+Not sure why they would waste the police's time with this but it ultimately resulted in nothing. It was, in my opinion, obvious that those comments were both said out of frustration and I removed them (along with all comments) at the request of a Questrade employee as well anyway. 
+
+
+I think what people should take away from this though is how poorly Questrade is treating its clients. If I were to phone them and be upset I don't want to be scared of potentially having a criminal charge brought forward on me because they took something I said out of frustration seriously and involved the police. Honestly think their handling of this matter has been incredibly unprofessional throughout. Upsetting to think this was a company I used to admire and recommend to countless people. 
+
+Even just a few days before all this happened I was recommending them to friends - https://imgur.com/a/DHVOHhE
+
+It's amazing to me how poorly they've handled all this and how in less than 3 weeks my opinion of them has done a complete 180. 
+
+What a joke.
+
+
+Edit: I'm sure you guys worked this out for yourselves but just want to point out how it's weirdly convenient that they saw the "threats" last week but the police only contacted me after I refused to take down my posts about them...
+
+edit 3: Proof I was contacted by police since some of you think I am lying about that - https://imgur.com/a/rVU3KfR
+I am trying to make trading forex into a profession and create a sustainable income. I'm curious what that looks like for my fellow traders out there.
+- what is your routine?
+- how many hours is spent on Fundamental/Technical a analysis each day or week?
+- how many hours are spent on actual trades?
+- which session do you trade?
+- are there any big habits that contribute to your day to day success? (Aside from a successful trading plan)
+What are the biggest and/or most often occuring scams in your opinion? It can be a type of scam or a particular reoccuring one, etc. For me, hands down:
+
+​
+
+**Hi my name is FxLifeStyle and I am a 22 year old Rich Forex Trader making millions...**
+
+https://i.redd.it/f3697jj17xz11.jpg
+
+What a fucking piece of shit this guy is...
+I’m really new to this and still using a demo account. I’m not planning on going live with real money for at least a couple months of consistent success on my
+Demo. 
+
+Legitimately, I’m confused how you can lose a substantial amount of money doing this if keep your margin % healthy. 
+
+In my demo account, as long as my margin level hovers around 500%, I can just hold onto a loss until the trend turns around and it becomes profitable. 
+
+Understandably, there are some crazy events like say the coronavirus outbreak that would completely destroy some currencies. But on a day to day basis, am I missing something?
+
+*Update*
+
+I think I misrepresented myself here. I did not mean holding onto downtrending positions without any stop loss or means for exiting. 
+
+What I meant was holding onto floating losses that remain below your break even mark but above your stop loss. 
+
+Now with that being said, as long as I’ve got reasonable stop losses in place to avoid the catastrophic as everyone has pointed out, does it just come down to hitting stop loss on less than 50% of my trades?
+Hey guys,
+
+​
+
+I'm 28 and I inherited a townhouse that is paid off. My goal is to get into real estate investing to generate income that can eventually help me retire earlier. What are some strategies I can employ to make the most of this ? I am very new to investing 
+
+​
+
+​
+
+Thanks for reading
+My wife and I have decided on our retirement plan very early in our careers (we are in our 20s). At a very high level, we want to retire on a very large plot of land, 50+ acres, out in the country. In what is today a rural area, there are dozens of plots this size for \~$2k per acre.
+
+I am looking for the pros/cons of jumping on this now, and just holding the land and making payments on it until we intend to use it. My logic for this is that, in 20 years, this much contiguous land might not be available due to sprawling development, or it will be significantly more expensive. 
+
+My father, a mostly SFH investor, thinks this is a bad idea, because there's nothing on the land to depreciate for tax purposes, and any appreciation will only result in larger and larger tax bills for something I'm getting no utility out of. But I'm wondering if I can lease the land to hunters and/or farmers who need hay to hedge some of these expenses until I'm ready to build on it? And, in the unlikely event our retirement plan changes, I'd imagine we could sell it and at *worst,* break even.
+
+Open to any and all comments ranging from "do it" to "you're a moron."
+This is the official $GME Megathread for r/Superstonk. Please keep ALL conversations contained to Gamestop and related topics.
+
+**Not enough karma?** Here's a [**quick guide**](https://zapier.com/blog/how-to-get-karma-on-reddit/) on how to get it.
+
+# [announcements](https://www.reddit.com/r/Superstonk/wiki/index/announcements)
+
+* Make sure to check the Announcements regularly. Large updates will be made as posts using the [**Red Seal of Stonkiness**](https://www.reddit.com/r/Superstonk/search?q=flair_name%3A%22%F0%9F%99%8C%F0%9F%92%8E%20Red%20Seal%20of%20Stonkiness%20%F0%9F%92%8E%F0%9F%99%8C%22) or [**Moderator**](https://www.reddit.com/r/Superstonk/search?q=flair_name%3A%22%F0%9F%9A%80%20Moderator%20%F0%9F%9A%80%22) flair, but smaller updates will be listed in the Announcements.
+
+## flair links
+
+Check out our [**flair system**](https://www.reddit.com/r/Superstonk/comments/mrwirc/updated_about_and_menu_flair_directory/), which is easily accessible via the sidebar button widget on desktop or the About menu on mobile.
+
+|[**Daily Discussions**](https://www.reddit.com/r/Superstonk/search?q=flair_name%3A%22DAILY%20%F0%9F%93%8A%20Wrinkle%20Brain%20Think%20Tank%22)|[**DD**](https://www.reddit.com/r/Superstonk/search?q=flair_name%3A%22DD%20%F0%9F%91%A8%E2%80%8D%F0%9F%94%AC%22)|[**Possible DD**](https://www.reddit.com/r/Superstonk/search?q=flair_name%3A%22Possible%20DD%20%F0%9F%91%A8%E2%80%8D%F0%9F%94%AC%22)|[**Discussion**](https://www.reddit.com/r/Superstonk/search?q=flair_name%3A%22Discussion%20%F0%9F%A6%8D%22)|[**Question**](https://www.reddit.com/r/Superstonk/search?q=flair_name%3A%22Question%20%E2%9D%93%22)|[**Education/Data**](https://www.reddit.com/r/Superstonk/search?q=flair_name%3A%22Education%20%F0%9F%91%A8%E2%80%8D%F0%9F%8F%AB%20%7C%20Data%20%F0%9F%94%A2%22)|
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+|[**News/Media**](https://www.reddit.com/r/Superstonk/search?q=flair_name%3A%22News%20%F0%9F%93%B0%20%7C%20Media%20%F0%9F%93%B1%22)|[**Mega Threads**](https://www.reddit.com/r/Superstonk/search?q=flair_name%3A%22MEGA%20Thread%20%F0%9F%92%8E%22)|[**Fluff**](https://www.reddit.com/r/Superstonk/search?q=flair_name%3A%22Fluff%20%E2%98%81%22&)|[**Meme**](https://www.reddit.com/r/Superstonk/search?q=flair_name%3A%22Meme%20%F0%9F%A4%A3%22)|[**HODL**](https://www.reddit.com/r/Superstonk/search?q=flair_name%3A%22HODL%20%F0%9F%92%8E%F0%9F%99%8C%22)|[**Opinion**](https://www.reddit.com/r/Superstonk/search?q=flair_name%3A%22Opinion%20%F0%9F%91%BD%22)|
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+
+# important links
+
+[**SuperstonkBot is now live for anonymous posting**](https://www.reddit.com/r/Superstonk/comments/mtc3rb/superstonkbot_is_live_whistleblowers_welcome/) (with review)
+
+**Want to learn more?** [**Check out our extensive Wiki**](https://www.reddit.com/r/Superstonk/wiki/index) **and** [**FAQ**](https://www.reddit.com/r/Superstonk/wiki/index/faq)
+
+Please review the [**Superstonk Rules**](https://www.reddit.com/r/Superstonk/wiki/index/rules) before commenting or posting on r/Superstonk.
+
+*Daily discussion threads are created at 4:00 a.m. EDT*
+There was a recent post asking about how to discuss to people what you do for work. I've seen lots of similar posts on this topic. I really laugh at all the dumb ideas I've seen suggested on reddit for how to spin people around with this topic. 
+
+One comment said to tell them you're in "risk management" and if they ask further tell them you work on "proprietary strategies" and can't discuss it further. And then change the subject...
+
+
+"oh so like where do you work"
+
+"at home on my computer"
+
+"okay so like what company?"
+
+"uhhh... myself"
+
+"you sit at your computer at home and 'manage risk' for yourself?"
+
+"uhh... Yes"
+
+What a stupid idea. Just tell them what you do. A lot of people know what trading is so they're going to figure out how you tried to dress it up as "risk management"
+
+Also, people talk.
+
+"hey you know that guy Bob? What does he actually do? He just told me something about," proprietary stuff" but was evasive and didn't want to talk about it. It was kinda weird actually..."
+
+" LOLOLOL oh Bob? He sits at his computer and gambles his money on the stock market. He told you he was a risk manager?? LMAOOO "
+
+
+What are you going to do? Just say" I can't talk about it" to every basic question like "who is your employer?"
+
+Guys/gals, people know when you're being disingenuous. They know when you're hiding something. It's obvious. You're not that sly.. 
+
+Here's how I talk to people. And keep in mind I never bring it up. I don't want to talk about it really so I don't talk about my day or ask them what they do. But when they bring it up I tell them like this... 
+
+"what do you do?"
+
+"I trade futures. You know stocks? It's kind of like that." 
+
+"how does that work?" 
+
+"You've seen charts right? I can buy and sell at certain points and profit off of that movement"
+ 
+"oh so do you like make a bunch of money doing that?"
+
+"I do okay. It's basically like building a business, not a get rich quick thing. But there is a lot of potential and that's why I keep working at it"
+
+"oh okay that's cool. I'm glad you found something you like"
+
+I really haven't gotten much flak for this, and when I do I just brush it off or cut them out of my life...
+
+If they do give you crap, guess what? That's the price you pay for entreneurship. Building a business involves risk and one of the risks is the social risk of people's perception of you. And you can inform them when they ask you questions but if you can tell that they have this preconceived notion that you're a gambler then you just accept it, don't try to change their mind. Let them think what they think and cut them off. 
+
+Yes, I have had dates where I could see a girl's interest visibly leave her face when I told them what I do. So she thought I was a loser or just not financially viable for her... So what? I move on. What were *they* doing with *their* life? Oh she's going to school to cut hair? Lololol 9 times out of 10 they have no room to judge... It's extremely arrogant for anyone to judge you for this so it just proves that they're not worth your time. 
+
+"isn't that like... gambling?" 
+
+"lol some people think that but I don't care. To me it's kind of like playing a mix of poker and chess. 'Gambling' to me implies that there is always a negative expectancy. If you're unskilled then yes it's negative, if you're skilled it is positive and you can make money consistently. It's not easy but there are many consistently profitable poker players and traders."
+
+OR they already have their mind made up and there's nothing you can do.. 
+
+" bro I don't care what anyone says! The stock market is GAMBLING! I lost money on XYZ stock and.. Blah blah blah my cousin's uncle's best friend made a bunch of money then lost it blah blah"
+
+"hahaha oh alright.. Anyway.."
+
+ *finishes interaction and never speaks to them again*
+
+See it's not a huge deal. 
+
+Have confidence in what you do. Be honest with people. Accept that you could fail, but it sure is worth it to YOU that you try. Anyone with a brain can understand this. Everyone else is working jobs they hate anyways.
+Looking at maybe starting a senior 'group home', but when I look at definition of a group home, it says most provide meals, laundry, activities. 
+
+Is there a different name or category for just renting to 55+ without providing any services, like the old TV show *Golden Girls* for those old enough to remember?
+With the industry emerging in various countries, most notably the US, and the prediction of legalization in the UK and Australia, what is the best way to invest for the future? 
+I am new to options.   About 7 month ago, a friend introduced a option trading specialist who only trades short strangle.   He promised insane returns and my friend showed me his stmt to vouch for him.   I ended up gave him 100k, eventually 200k.   He did well, for 7 month, I got cash return of 49.5k.   However, I pulled out as of Friday.   Why, because I finally understood what short strange is and he was leveraging the hell out it.   With 200k margin acct, I had close to 1 million exposure every  trading day.   He is using my acct to trade a la James Cordier, ding ding ding!   I am a very conservative investor all my life and once I understood the short strangle concept, I got scared...it's just not for me even though the return is insane, having extra 7k per month to spent is a good luxury to have.   But when I think about the downside risk, I chickened out.
+
+I started learning short strangle myself, using thinkorswim to mimic his trades (paper trading).   I learned that iron condor is a similar strategy, except the loss is defined.    I am going to do this myself, mostly using a combination of iron condor and short strangle.
+
+My question is did I make the right choice by pulling my fund out with this guy?   I think so but want to hear what you pros thinks.
+
+As I start my own journey, I want to introduce myself to this forum.
+Just a quick quote off of Wikipedia:
+
+> In 2005, Burry started to focus on the subprime market. Through his analysis of mortgage lending practices in 2003 and 2004, he correctly predicted that the real estate bubble would collapse as early as 2007. 
+
+Just remember this when everyone is throwing around dates. Maybe rewatch the movie the big short. That scene where he is angrily waiting and everyone is losing hope? Those 2 minutes are worth 2 years in real life.
+
+HOLD. They want you to break down and sell.
+
+Focus on other things in your life. I am currently starting to learn playing piano at mid 30s of age. Great past time and very rewarding. The MOASS will happen in time... and I will be playing Major Tom on the piano when it happens.
+A few weeks ago I was predicting a top of between 100-150. We have seen such strength on corrections that I'm revising that now to a more ambitious number:
+
+Parity with bitcoin - which if it happened today would be **around $400.** 
+
+Why parity with bitcoin? While not exactly in competition - Bitcoin is what people refer to when they see what cryptocurrency valuations can achieve. Market caps are these days de facto crypto measuring stick whereas in 2013 the measuring stick for bitcoin was gold. And in 2013 - just like magic - as soon as bitcoin hit the price per oz. of gold, the uptrend was over.
+
+Buckle up - we've still got a ways to go.
+Data-sharing website Dropbox Inc. is reportedly hiring underwriters for an initial public offering that is set to come later this year. If this happens, Dropbox would become the largest US-based technology company to go public since Snap Inc. did earlier this year, which has not been successful for the company so far. Back in 2014, Dropbox Inc. was valued at almost $10 billion USD in a private fundraising round. The company has yet to comment on the situation.
+After a few...especially trying...interactions with unhappy ban recipients today, I thought it would be fun to share a little info on what moderators do to keep this place clean. :)
+
+The forex industry is full of shady characters. Any industry sitting on the intersection of financial independence, work, and money, is bound to attract them. *There are many reasons for this; the lower barrier to entry compared to other markets, the lack of public knowledge on the subject, and greedy human nature to name a few.*
+
+Moderating a subreddit dedicated to forex (or anything trading realted for that matter,) presents extra challenges beyond your regular sub. Marketers and scammers are super motivated, and MLM / referral marketing is extremely popular right now, which can turn everyday regular users into sources of spam.
+
+How we currently tackle this problem involves technology (scripts, bots, and automod,) a mod review workflow, and some smart sleuthing when needed.
+
+The mod team and our scripts aren't perfect though... but the few false positives we get are a very, very small fraction of all mod actions taken (\~1%.) Unfortunately, that means some otherwise sincere members get handled roughly, and that can really suck.. I wish there was a better way, but the alternative is this place becomes a wild west and starts looking like your gmail spam folder.
+
+That said, here's my personal stats for **JUST** the last 24 hours:
+
+* [Bans: **14**](https://i.imgur.com/AC9lcvq.png) *\[edit:* [**16 now**](https://i.imgur.com/CWTkTnX.png) *before day's end, two more responding to a 'where can I learn how to trade' post.\]*
+* All mod actions (including bans, post and comment removal, etc..): **63**
+* Ban appeals: **2**
+
+And I'm just *one* of the mods. . .
+
+So what scammer and marketing trends are we seeing lately?
+
+* **Content marketing -** Infographics with instagram handles watermarked in them, or a blog-like post with a embedded links to their own site.
+* **Personal/direct selling -** trying to move the conversation out of public view, usually by taking things to DM, or promoting a 3rd party chatroom where the rules here no longer apply.
+* **Shills -** Fake accounts used to boost the credit of another user, or service. It's no coincidence that a user asking about 'ULRA PRO SIGNALZ' will quickly have 5+ replies by low karma, new users, saying how great the service is. *\[edit:* [*here's an example I just caught..*](https://i.imgur.com/H8ylQd5.png)*\]*
+* **Fake P/L Porn -** We see this quite often. It's easy to fake MT4 account statements and MT4 Mobile screenshots, and new users can't tell the difference so these posts will get a lot of undeserved attention. When people ask how OP made such mad cash, a sales pitch is usually coming right up.
+
+Honestly, it can be really frustrating at times.. luckily the scripts we have in place make weeding out \~80% of these jokers quite easy and quick. *Heck, we had one scammer who blew through 12+ accounts over the last few days trying to scam people but none of their posts ever saw the light of day thanks to the spam triggers I've written.*
+
+What motivates the mod team to keep this place clean? That's an easy answer: The majority of users here are new to trading. Making sure they aren't food for the wolves is important.
+
+But even with all the measures we take, some bad actors still get through.
+
+So here's where you can help: **Use the report button!** Anytime you see something that you think fits the descriptions listed above, or violates our sidebar rules, just report it. Even if you're not 100% sure, don't be afraid to use the report tool.. The worst thing that can happen is the mod team reviews and approves it, but the best outcome is you directly help keep this place clean and humming! :)
+
+And the mod team is always looking to improve where it can: I've already talked about what we do to scrub away bad actors, but one place we could do better is education. The plan is to rewrite a good portion of the wiki to include the following sections:
+
+* Spotting scams and scammers
+* How to properly compare brokers and regulatory bodies
+* The real reason why your old high school friend wants you to sign up to IML, and 10 ways to politely tell him to pound sand
+* No, that hot instagram model won't sleep with you if you buy her online course
+* Why all signal services are trash and can die in a fire
+
+*(Titles above are a work in progress ;P)*
+
+Are you a good writer and want to help out with this? Think you can write up a killer wiki article on spotting scam artists? Message the mods and let us know!
+
+Finally, a reminder, we are still interested in taking on more moderators and will be revisiting that very shortly. If you'd be interested, read through this post and reply accordingly:  [https://www.reddit.com/r/Forex/comments/h7ok6k/seeking\_more\_mods\_recruitment\_thread/](https://www.reddit.com/r/Forex/comments/h7ok6k/seeking_more_mods_recruitment_thread/)
+Like the title says - come January Im very likely unemployed. If I put my nose down and save I figure I can get about 20k put away just under the wire. 
+
+I have 1 dog and 1 cat who both need specialty food for health reasons, no other dependants and my vehicle is paid off.
+
+It would involve me selling most of my possessions and driving across Canada to get back home after employment ends so I figure itll be about a thousand or so tied up with the move. 
+
+Any advice or tips on how to properly utilize the remaining savings to set me up for whatever is next?
+
+Edit to add some context: not getting fired, pressuring management to get me a different job in the company with the knowledge that if they dont Im leaving.
+
+My bills are as such:
+
+Car insurance $70 monthly
+Cell phone $110 monthly
+Pet food/medication $200 monthly
+
+In about a week Im debt free.
+
+The tl;dr of it is i live in very small, very isolated community and my mental health is suffering because of it. My life has been wilting in every arena except my job. As much as I love it I cant continue to ignore the building issues so Im telling my manager I need to see positive movement on a new position closer to home by January or its tail lights. I know ultimatums arent the best option but thats what its unfortunately come to.
+
+Edit to add: been travelling since last night into today, been reading all the comments and everyone saying to apply now is right. Ill get on it asap, everyone. Thanks for all the meaningful input!
+I, like many of you during the euphoric run up in early Jan bought x shares, which turned to xx shares.
+
+I was ecstatic seeing the price rise and my available funds rise.
+
+I could see my credit card debt and mortgage being paid off.
+
+I could see getting a new car for my family.
+
+I could see paying my parent's and my siblings houses paid off.
+
+I could see myself working less than 60 hour weeks and live a little.
+
+**And then robinhood happened...**
+
+It was gut wrenching, seeing the price free fall because of the blatant manipulation occurring before my eyes. We were literally robbed.
+
+I felt helpless. Is this what it's like investing in American markets?
+
+And then I met you guys. The amount of camaraderie and togetherness you guys have shown these past few months has been nothing short of awe inspiring. It makes me so proud to visit these subreddits and read as much as I can when I can.
+
+The DD, the memes, the discussions. It's all been worth it to just be a part of this community, and I'm proud of participating.
+
+However, at a time I'm needed most I can't help and I'm furious.
+
+My xxx shares are held in brokers in the UK that won't allow me to vote.
+
+So please fellow apes in America and elsewhere in the world, please Vote
+
+On behalf of us who don't have the ability to exercise our rights as shareholders 🙏
+
+I can't wait to see you guys on the moon and share the tales of our adventure, which will come to an end soon.
+
+From the bottom of my heart, thank you 😊
+
+Apes together strong 🐒 🖍 🚀 💎
+
+Power to the players 💪 🎮
+
+
+EDIT: I want to apologise to our American brothers/sisters if this post comes across as me blaming you guys for anything, I'm not. In fact I'm extremely grateful for the opportunity to even be involved in something like this.
+
+I know what it's like feeling helpless against a corrupt system. It's just frustrating that I can't help you guys across the pond.
+
+The best I could do was max my ISA allowance this year as soon as I could so my shares are definitely not being lent out.
+
+Peace, love and prosperity! ❤
+
+Hope you're all having a lovely weekend!
+Over the last 10 years, we have all experienced a rather steady climb of the market. There are many (myself included) who's biggest anxiety has been a two month stretch of the market trading sideways. So what happens if/when there is another 2008 like event? Do people jump ship and lose faith in the whole FI idea? I know it is easy to point to a spreadsheet and a SFR and use all the data, but I think it would be easier said than done if your networth is shedding tens of thousands of dollars a month and maybe a few hundred thousand in a year.
+
+Those who have been through a crash with significant amounts invested - what was it like for you? Did you change your strategy or were you able to weather the storm?
+Long story short, I need to finish my degree, which is going to take anywhere from 5-8 years. Thinking about hiring a property manager to market and maintain it, so I can hold on to the home but won't have to pay the mortgage/taxes on it anymore (I want to eventually move back into it, and probably die in it).
+
+Is this a plausible solution? Couldn't care less about making a profit off of it, I have a free place I can live in the mean time and am going to live there until my education is finished and I can finally afford it again. I just don't want the worry of marketing and maintaining the home on top of everything else I will have to worry about.
+Disclaimer: "maybe we are all living in a simulation." -FCM
+
+I wasn't going to post this but then I noticed something come up today and thought to myself well shit, maybe it would have been less tinfoil-ish had I posted this the other day. So yeah, if you don't like speculation combined with possible DD then just skip this.
+
+The post I am referring to is about the SAW game that just released on nft.gamestop.com
+
+To give you some context, last week I started digging into BuyBuyBuyYes (still cant say cause auto-censorship), in which I made a comment then someone screenshotted it, and it found its way to the frontpage of the internet. Later in that same thread, I made this comment: [https://www.reddit.com/r/Superstonk/comments/y5c3ax/comment/isktiuo/](https://www.reddit.com/r/Superstonk/comments/y5c3ax/comment/isktiuo/)
+
+If you noticed, someone awarded me 10x platinum which to me sounded like: "yo, diamond fingers this lead and hodl."
+
+The day after my comment, RC tweets a photo of him and Icahn. Okay, maybe just dumb money luck or so I thought.
+
+Well, I kept digging cuz diamond fingers.
+
+Shortly after, Gamestop NFT releases a collector's pin and in it secrets.txt is discovered, but if you look back at the other Easter egg and hidden file (yes, there was another) then you'll find there were clues about BuyBuyBuyYes already in there, as posted by u/Real_Eyezz:
+
+​
+
+[Oh look clues from 11 months ago, when did that sub get started? Jan 2021. Makes sense cause they began segregation & censorship around discussion of BuyBuyBuyYes ](https://preview.redd.it/cyf1ddmudwv91.jpg?width=1118&format=pjpg&auto=webp&s=0c4f4e2d888f0aa594559bc456c845e675ec6e34)
+
+Alright now that you have some background info, I am going to layout what I believe has been a series of Cohencidences and is building up a crescendo that will undoubtedly unfold in epic *fashion and fireworks.*
+
+Let's start from the beginning.
+
+# The Activist Investors
+
+Do you remember the sneeze of Jan 2021? Yeah, it was 84 years ago for some. Here let me just draw your attention to this by NBA Dallas Maverick owner and Shark Tank's Mark Cuban who as many know has been in favor of apes (even if he does not publicly declare himself an activist investor). This is what he said over a year ago, u/mcuban:
+
+​
+
+[Mark Cuban was very vocal and active in the community early 2021 \(u lurking bro?\)](https://preview.redd.it/p9hm7vixhwv91.jpg?width=804&format=pjpg&auto=webp&s=53a3685e562a1d2de875e0cc8317f0be0c1335ff)
+
+DO THE WORK.
+
+POWER IN NUMBERS.
+
+Where have I heard that before? Probably cohencidence.
+
+Fact is, Mark Cuban was one of the first to come on here and help make sense of the fiasco that happened in 2021 when nobody else gave two shits about retail traders and how we all got rug pulled when they illegally removed the buy button which still to my knowledge today: NOBODY HAS GONE TO PRISON.
+
+Moving forward, what's the connection? You'll see.
+
+# Enter the O.G. Ape aka MSM-dubbed "Corporate Raider"
+
+Carl Icahn was recently tweeted in a [photo side-by-side with Ryan Cohen](https://twitter.com/ryancohen/status/1582212373985005569?s=20&t=6lhaaDczxYR8PLSEA3letQ) and this leads me to believe that they started working together or has been, although I like to think the later. But before I jump ahead, I want to share with you some background info about Carl Icahn:
+
+* Dubbed corporate raider by corporate mainstream media, but really is an activist investor since mid 1970s and known for creating the "Icahn Lift," where stock value rises when he moves-in on a company usually by proxy fighting board members to clean house
+* Since 1992, funded the construction of Icahn House, a 65-unit complex for homeless families in the Bronx, New York called [Children's Rescue Fund](https://childrensrescuefund.org/about-us/)
+* Inspired by his daughter that works at Humane Society, he wrote a passionate letter to the board of McDonald's about making changes on who they do business with regarding how they handle the treatment of pregnant sows (female pigs) - [recall that RC tweet](https://twitter.com/ryancohen/status/1509455614082273286?s=20&t=yg5ORpST9GbikuxeI6ub3w): "Children and animals must be protected at all costs"
+* Icahn has a track record of success and here's what he said in a [letter to shareholders of his company](https://carlicahn.com/statement-to-shareholders-of-mcdonalds-and-kroger/) on June 6, 2022:
+
+"My activist engagements have generally produced exceptional results. To elaborate, our activist activities have created close to **$1 Trillion in value for all shareholders** in the aggregate who’ve held or purchased stock when we did and sold stock when we did. **I believe our record unquestionably proves that holding CEOs and boards accountable to shareholders manifests great results.**"
+
+This man fucks wallstreet, diamond nuts achievement unlocked.
+
+And $1 TRILLION dollars produced for shareholders? Diamond hands, OG ape right here.
+
+I cahn see why Ryan Cohen likes this guy, I like him too.
+
+Okay, now to explore a side-quest.
+
+# The Mondelez Spin-Off
+
+I will summarize this section and come back to it later as it relates to that other company RC recently bought in and still has his hand-picked board members and executive team operating.
+
+What is Mondelez? A snack company that did a [spin-off](https://www.investopedia.com/terms/s/spinoff.asp), where a company sells off a subsidiary company, is a tax-free write off to parent company, and awards free shares to shareholders of parent company. The deal involved Kraft Heinz, parent company, which spun off Mondelez to focus on the *International market* (credit u/Real_Eyezz) but more importantly the deal involved Yang Xu, global treasurer and an executive committee at Kraft Heinz, and also on the **board of Gamestop since June 2021** (credit [u/iamhighnlow](https://www.reddit.com/u/iamhighnlow/)).
+
+Talking about spin-offs, kinda reminds me of that [letter RC sent to a certain board](https://www.sec.gov/Archives/edgar/data/886158/000119380522000426/ex991to13d13351002_03072022.htm) suggesting to spin-off and sell its subsidiary BuyBuyBABY company.
+
+I wonder where he got that idea? We'll find out soon.
+
+​
+
+[Mondelez spin-off and Yang Xu, Gamestop board member](https://preview.redd.it/u7zeo3ak8xv91.jpg?width=1784&format=pjpg&auto=webp&s=25844d8a45a76444c17016aa577dc61aec8d9dd0)
+
+Now back to the main storyline.
+
+# Activist Investors That Go Way Back
+
+In 2008, Carl Icahn and Mark Cuban joined forces to proxy battle and remove board members from Yahoo! Inc as detailed [here](https://www.cnet.com/culture/icahn-loads-yahoo-proxy-slate-with-mark-cuban-other-biggies/). Icahn wanted to clean house and remove all 10 board members but was only able to replace a few, needless to say, he made significant changes.
+
+(Cleaning house? Reminds me of original Gamestop board and BuyBuyBuyYes board activist takeover)
+
+Again, in 2010, Cuban and Icahn began a [hostile takeover of Lionsgate film studios](https://deadline.com/2010/06/marc-cuban-threatening-to-back-icahn-in-hostile-lionsgate-takeover-46224/) (the company that just released **SAW game** on Gamestop NFT marketplace). Things got heated during negotiations and Mark Cuban unsatisfied with how things were going agreed to **Tender offer,** or sell his 5.3% stake of shares to Icahn already with 19% stake and with additional shareholders, eventually bringing it to 33.2% outstanding shares. What's interesting about the Tendie offer, is that it was presented by  **Perella Weinberg Partners** (more about them later), a law firm which specializes in Mergers & Acquisitions, according to this [press release by Lionsgate](https://investors.lionsgate.com/news-and-events/press-releases/2010/21-04-2010-232859767) on April 20, 2010.
+
+Lionsgate was struggling with debt (perhaps someone stepped on shit, ew...) and wanted to merge with MGM studios, a rival company, but Icahn said NO - bad deal and it didn't happen. 3 years later, Icahn exited Lionsgate, broke-even on cost-basis, and perhaps getting involved was a good thing because the studio is still standing and about to get filthy rich partnering with my favorite company.
+
+And it seems to be working out with one of [Lionsgate's intellectual property](https://investors.lionsgate.com/news-and-events/press-releases/2010/19-04-2010-232900048): KICK-ASS' John Romita is already on [Gamestop NFT marketplace](https://twitter.com/GameStop/status/1569402971724595202) and I'm sure more like him will join soon (or already have).
+
+Back to Mark Cuban: someone who is [very familiar with blockchain technology](https://www.cnbc.com/2022/01/19/billionaire-mark-cuban-on-why-nfts-led-him-to-be-a-crypto-evangelist.html) and digital assets like NFTs (he's been minting since 2021). He understands what the real value of NFTs (non-fungible tokens) as a digital asset can be and has been running experimental tests by combining NFTs with Dallas Maverick's NBA tickets. He even owns an [NFT company](https://markcubancompanies.com/companies/nft-genius/).
+
+Moreover, I believe Carl Icahn has come to a similar conclusion. When asked about the crypt0currency space, Icahn admitted he might invest heavily into digital assets. On May 27, 2021, Icahn said the following on Bloomberg about digital assets and meme stonks:
+
+>"I mean, a big way for us would be, you know, **$1 billion, $1.5 billion**," he said in an interview, adding, "I'm not going to say exactly."  
+>  
+>\[...\]  
+>  
+>"I don't think Reddit and Robinhood and those guys are necessarily bad, I think they do serve a purpose," he said.  
+>  
+>Link - [https://markets.businessinsider.com/currencies/news/carl-icahn-cryptocurrency-investment-1-billion-digital-assets-bitcoin-skeptic-2021-5-1030470155?op=1](https://markets.businessinsider.com/currencies/news/carl-icahn-cryptocurrency-investment-1-billion-digital-assets-bitcoin-skeptic-2021-5-1030470155?op=1)
+
+Let me get this straight, Carl Icahn knows about Reddit, Robinhood, and the value of digital assets then goes as far as to say he is willing to invest up to $1.5 Billion?
+
+My MGGA, BULLISH!
+
+​
+
+[MGGA = Make Gamestop Great Again, or Microsoft, Gamestop, Google, Apple aka the FAANG of Metaverse \/ Web 3.0](https://preview.redd.it/6sekkz8my2w91.png?width=668&format=png&auto=webp&s=319fb8b0915a4be91f7bea17e75576f8c8d83628)
+
+Let's keep going.
+
+# Prelude to MOASS
+
+On October 16, 2016, [Icahn coined the term MOASS](https://www.reddit.com/r/Superstonk/comments/y6wp1g/no_way_you_seriously_telling_me_rc_posts_a_selfie/), 6 years ago, as of 10/17/22. He [squeezed Bill Ackman's shorts for $1 Billion](https://www.reddit.com/r/Superstonk/comments/y6xzd4/carl_icahn_vs_bill_ackman_short_squeeze_the/) by locking up 26% of Herbalife by **direct registering the shares** in his name and not allowing shares to be loaned out (kind of like DRS with Computershare).
+
+Six years ago last week, "Mother of All Short Squeezes" - MOASS was coined and on that same day RC tweeted a [photo of him and Carl Icahn](https://twitter.com/ryancohen/status/1582212373985005569?s=20&t=6lhaaDczxYR8PLSEA3letQ).
+
+Every diamond handed ape knows a squeeze is coming (short interest easily over 1,000% even if [FINRA confirmed 226%](https://i.redd.it/1vc7zl4yzgg61.jpg) *minimum*). It will be marvelous and Icahn loves a good squeeze, just Acksomebody.
+
+Cohencidentally, RC previously tweeted this on the same day as Carl Icahn's birthday - February 16:
+
+​
+
+[Corporate Raider x Activist Investor](https://preview.redd.it/rfmojzzq0xv91.png?width=613&format=png&auto=webp&s=7b12bdb0b0f44c5121ea9f76ad176da1693f050e)
+
+# Enter The Whales Backing Gamestop
+
+For some time, many have wondered why has no whale come to save the day?
+
+I believe they have already moved in, a long time ago. Perhaps through indirect channels by purchasing $GME with offshores, family offices, etc. or by supporting Gamestop through strategic alliances and partnerships.
+
+Now, I want to draw your attention to some confirmed whales.
+
+First, the #3 richest man in the world Bernard Arnault, CEO of LVHM - Moet Hennessey Louis Vuitton,  the world’s largest luxury goods company.
+
+​
+
+[From Investopedia](https://preview.redd.it/uzgcykqkbxv91.png?width=739&format=png&auto=webp&s=e0a9ff4b6c2d59d8cfb6b3186b4b892a7a50915f)
+
+LVHM is a direct partner with L Catterton.
+
+L Catterton directly funds Dragonfly, a company that buys ecommerce brands and grows them, which Ryan Cohen is a [member of the board](https://www.reddit.com/r/Superstonk/comments/wuvjpw/cohen_was_added_to_dragonfly_board_on_31422/).
+
+For those in the back, L Catterton is a well-funded **private equity conglomerate** spanning across multiple continents in North America, South America, Europe, and Asia -- **can you say GMERICA(S)?**
+
+Here, from the official website:
+
+>"In January of 2016, Catterton, the leading consumer-focused private equity firm, LVMH, the world leader in high-quality products, and Groupe Arnault, the family holding company of Bernard Arnault, partnered to create L Catterton. The partnership combined Catterton's existing North American and Latin American private equity operations with LVMH and Groupe Arnault's existing European and Asian private equity and real estate operations, resulting in the largest, diversified consumer-dedicated private equity firm in the world."  
+>  
+>Link - [https://www.lcatterton.com/lvmh-relationship.html](https://www.lcatterton.com/lvmh-relationship.html)
+
+Read that last part and let it sink in because to me, that sounds like a conglomerate whale and one that is whale-financed.
+
+And if that doesn't get your tits jacked, just recall one of Gamestop NFT creators: u/cybercrewnft teaser: [https://www.youtube.com/watch?v=R6B8KuSj1Ik](https://www.youtube.com/watch?v=R6B8KuSj1Ik)
+
+​
+
+[Inside the METAVERSE with LVHM plus other major brands - oh look, Apple too \(credit u\/HealsOnWheals\)](https://preview.redd.it/w2g0uxksdxv91.jpg?width=758&format=pjpg&auto=webp&s=2e147939c3d2d7f0fb433856f0e7f9cd9328a7a4)
+
+# GMERICA: The Dream Team
+
+Now to wrap things up, BuyBuyBuyYes is at the center of this play. (insert always has been meme)
+
+Let's start with a tweet from the chairman:
+
+​
+
+https://preview.redd.it/py7546tqixv91.png?width=604&format=png&auto=webp&s=8b6852c9818333d93cce0901ef3f87e9dcdea6c8
+
+When asked about the investing style between Warren Buffet and Carl Icahn on **March 22, 2022**, Icahn states:
+
+>I think we’re to a certain extent in a different business with Warren. I’m an activist,” Icahn said. “I look for a company that’s, in my mind, way undervalued \[...\], and there’s something I can do about it. That’s what I enjoy doing. **That’s why I come to work every day**.”  
+>  
+>Link - [https://www.cnbc.com/2022/03/22/carl-icahn-on-how-his-investment-style-differs-from-warren-buffett.html](https://www.cnbc.com/2022/03/22/carl-icahn-on-how-his-investment-style-differs-from-warren-buffett.html)
+
+​
+
+[Do the work \(Mark Cuban\), Come to work \(Icahn\), Born to work \(RC - March 31, 22\)](https://preview.redd.it/gkx6wwa1jxv91.png?width=625&format=png&auto=webp&s=a690f3ffe0d45abf792c0e6fa88271a24c969c25)
+
+Wow, work is so sexy. (Cohencidentally, [another RC tweet](https://twitter.com/ryancohen/status/1533719752568446976?s=20&t=RDnm_INiN6uIRzNXT2sdLA))
+
+Now, let's tie it all together.
+
+Starting with Dragonfly, a privately-owned venture capitalist fund that buys ecommerce brands then places its members within the newly acquired company to scale and grow it. What's interesting about Dragonfly is that most of its [team members are ex-Wayfair employees](https://www.dragonflycommerce.com/team/) with deep expertise in home goods and retail furniture. (See where this is going?)
+
+Next, re-visiting L Catterton (a whale-financed company), they conducted a market survey and discovered a massive emerging market in China after ending its 2 child policy, which creates huge opportunity for maternity and children at tier 1 and tier 2 cities. (credit u/Movingday1 for Catterton study)
+
+​
+
+[L Catterton study: https:\/\/www.lcatterton.com\/pdf\/2021-LC-Crisis\_or\_Opportunity.pdf](https://preview.redd.it/vpg0zul023w91.png?width=1191&format=png&auto=webp&s=357fecceb3e773a84e542a76c95ccc05601e5495)
+
+Furthermore, [Patty Wu](https://www.prnewswire.com/news-releases/bed-bath--beyond-inc-appoints-retail-and-brand-veteran-patty-wu-as-general-manager-of-buybuy-baby-301201389.html) was hired to head the baby division at BuyBuyBuyYes and previously she was Chief Commercial Officer for Honest Company, a brand owned by L Catterton.
+
+Do you see the vested interest of L Catterton for da BABY?
+
+Do you see the vested interested of the #3 richest man in the world who owns LVHM in partnership with L Catterton?
+
+Are you starting to see how Dragonfly, the venture capitalist fund that Ryan Cohen is member of the board and has an interest too?
+
+(Almost there, promise)
+
+We know for a fact that Gamestop's stock price is being suppressed, and that swaps are involved to prevent this rocket from flying (u/criand [DD on TRS](https://www.reddit.com/r/Superstonk/comments/pb22oj/the_puzzle_pieces_of_quarterly_movements_equity/) or the [smooth brain edition](https://www.reddit.com/r/Superstonk/comments/pbzy78/ucriands_total_return_swaps_explained_for_smooth/)).
+
+On November 2, 2021, [BuyBuyBuyYes initiated a stock buyback](https://bedbathandbeyond.gcs-web.com/news-releases/news-release-details/bed-bath-beyond-inc-advances-1-billion-three-year-share) which caused its stock price to soar up to 91% after-hours and for No reason, on Zero news, AND after market-hours which most *retailers do not buy* \- Gamestop's stock price also soared.
+
+​
+
+[Total Return Swaps: one goes up, then they all go up and vice-versa - kinda of like today](https://preview.redd.it/ov2ivxfv43w91.jpg?width=640&format=pjpg&auto=webp&s=ee2a4cd82aa2c9db87d0a38535fd8d7c43877a03)
+
+Now that you know the relation of the two stocks, then you probably have figured out what Ryan Cohen is really up to.
+
+"The last time people were excited to see me" - [picture of baby sonogram, tweeted RC.](https://twitter.com/ryancohen/status/1510818828695052289?s=20&t=BgdkUoEEQy9OW-hJPy3Z3w)
+
+# GMERICA: "Born to work"
+
+Let's go back one more time to Mondelez about the spin-off and about RC's letter to a board about a subsidiary BABY spin-off. Then top it off with RC Ventures LLC's placement for [3 new board members](https://www.nasdaq.com/articles/three-new-director-designees-from-rc-ventures-to-join-bed-bath-beyond-board) who specialize in Mergers & Acquisitions.
+
+Following that, BuyBuyBuyYes retains one of the world's elite law firm specializing in restructuring and M&A, [Kirkland & Ellis](https://thedeepdive.ca/bed-bath-beyond-reportedly-taps-kirkland-ellis-to-solve-the-highly-leveraged-balance-sheet/), to help prepare the accounting books and review the debt notes that has plagued the company and is oddly reminiscent of u/thabat's [cellar boxing DD](https://www.reddit.com/r/Superstonk/comments/pmj9yk/i_found_the_entire_naked_shorting_game_plan/).
+
+Aaand fast-forward to today, it sets the stage, beginning with **Perella Weinberg Partners**.
+
+(Did you forget their involvement? Carl Icahn utilized them to make a TENDIE offer with Lionsgate)
+
+​
+
+[Restructuring the debt notes to escape bankruptcy and ending the cellar boxing](https://preview.redd.it/f142r861b3w91.jpg?width=1003&format=pjpg&auto=webp&s=513fda6ca1bcd60cebf3ec844492262eae34dc22)
+
+With the debt notes restructured for BuyBuyBuyYes, it now makes the company attractive for a whale-financed buyer to swoop in, make a tendie offer (subject to shareholder's approval), and take over. I can guess one international conglomerate that might want da BABY plus the kitchen sink.
+
+How do I know there might be a tendie offer? It's explicitly stated multiple times on [BuyBuyBuyYes' S-4 form](https://bedbathandbeyond.gcs-web.com/node/16506/html#tx372118_11) (ctrl+F tender offer).
+
+At this point, I'd like for you to blink, think, and take a deep breath.
+
+You might be wondering if da BABY gets spun-off, where does GMERICA come into play? Great question because I don't know but I have some ideas.
+
+I mean, *GMERICA is* ***born*** *to work.*
+
+There are multiple M&A specialists on every side: board members inside that company, members outside that company, and members involved with Gamestop, Dragonfly, and partners.
+
+If there ever existed a super squad of GMERICAN M&A specialists then I think this would it.
+
+I believe Gamestop will transform into GMERICA and that Carl Icahn will invest into it for digital assets (possibly up to $1.5 Billion). Although it may not be Gamestop itself, but perhaps Gamestop NFT which if you think about is a crappy name, but GMERICA is a pretty awesome replacement. (perhaps RC thinking about a double spin-off for wombo combo)
+
+So why do I think this could happen?
+
+Another clue has appeared with the changing of permanent corporate addresses, which for the first time in its history, just happened:
+
+​
+
+[BuyBuyBuyYes and Gamestop changed to CT Corporation System](https://preview.redd.it/l0fynfzld3w91.jpg?width=1748&format=pjpg&auto=webp&s=072fcfb2a4e1c63ee52159970fd6668eacc33355)
+
+What is [CT Corporation System](https://www.wolterskluwer.com/en/solutions/ct-corporation)? It's owned by [Wolters Kluwer](https://www.wolterskluwer.com/en/about-us) which provides registered agent services, has 185-year legacy and used by 70% of Fortune 500 companies. They are under an umbrella that has a multitude of services including assistance with legal compliance in mergers and acquisitions among other things.
+
+You could say things are getting pretty serious.
+
+So how will GMERICA debut?
+
+One guess might involve a [Reverse Morris Trust](https://www.investopedia.com/terms/r/reverse-morris-trust.asp) (RMT). This would involve a spin-off of a "subsidiary" not da BABY, but as I pointed out above. The shareholders of this spin-off, that means those who Directly Registered Shares (DRS) of the parent company ($GME) would receive FREE shares from the spin-off in the newly formed GMERICA company and it would be a tax-free event.
+
+Here from Investopedia about RMT:
+
+>The RMT starts with a parent company looking to sell assets to a **third-party company**. The parent company then creates a subsidiary, and that **subsidiary and the third-party company** **merge** **to create an unrelated company.** The unrelated company then issues shares to the original parent company's shareholders. If those shareholders control at least **50.1% of the voting right** and economic value in the unrelated company, the RMT is complete. The parent company has effectively transferred the assets, tax-free, to the third-party company.  
+>  
+>The key feature to preserve the tax-free status of a RMT is that after its formation ***stockholders of the original parent company own at least 50.1%*** **of the value and** **voting rights** **of the combined or merged firm**. This makes the RMT only attractive for **third-party companies that are about the same size or smaller than the spun-off subsidiary.**
+
+Okay, so a third-party company like RC Ventures LLC (RCV)?
+
+With a subsidiary spun-off like Gamestop NFT?
+
+Then RCV and Gamestop NFT merging to create an unrelated (new tech) company like GMERICA?
+
+And ownership of original parent company with at least 50.1% of value and voting rights by DRS hodlers?
+
+Lastly, third-party company like RCV that is same size or smaller than spun-off company? I mean he did sell all his BuyBuyBuyYes shares so no conflict of interest there.
+
+Kinda sounds like RC Ventures could become GMERICA.
+
+And then there's that tweet RC posted [about a tombstone](https://twitter.com/ryancohen/status/1398454505314959361), "RYAN COHEN RIP DUMBASS."
+
+# Conclusion - GMERICA: The GameStop
+
+Larry Cheng, a board member of Gamestop, once tweeted:
+
+>It feels like we are headed to two different financial markets - the traditional one where institutional support is the driver and a decentralized one where community support is the driver. When these **two worlds meet in the same asset**, there will be fireworks.  
+>  
+>Link - [https://twitter.com/larryvc/status/1463670492800421897](https://twitter.com/larryvc/status/1463670492800421897)
+
+Then I was reminded of this [Direct Public Offering (DPO)](https://www.reddit.com/r/Superstonk/comments/tszhia/gamestop_is_planning_on_dpoing_gmee_onto/), which is entirely possible with Gamestop's [partnership with FTX](https://gamestop.gcs-web.com/news-releases/news-release-details/gamestop-forms-partnership-ftx) for tokenized-stocks.
+
+GMERICA goes public with DPO via FTX? Wow, that would be a lotta assets and fireworks.
+
+*Digital assets are so hot right now.*
+
+Anyways, I look forward to how this ultimately plays out and I need to rest, "its brain consuming" is an understatement.
+
+This is a once in a lifetime opportunity.
+
+Only a matter of time to see how it all *works*.
+
+Buy, DRS, HODL. MOASS IS TOMORROW.
+
+\-Diamond fingers out
+
+​
+
+Edit: if you like tendies and offers, check out the DD put together by u/BiggySmallzzz and for more NFT clues see the work by u/Real_Eyezz
+Hi UKPF
+
+The gov has just announced a scheme to allow sponsorship and hosting of Ukrainian refugees. Under this scheme the host will receive a £350-a-month “thank you”.
+I’d like to host my friend and her partner in my house. But what implications from a personal-finance perspective will I need to consider? Goes without saying that I expect hosting them will ultimately cost me money. But I’m keen to minimise expenses if possible and get an early idea of what the costs will be.
+
+1. Are there any hoops you have to jump through in order to host? (Fire safety checks on property? etc)
+
+2. Can the £350 “thank you” be taxed?
+
+3. Under the scheme, sponsors are expected to host for at least 6 months. Can we expect to continue receiving the £350-a-month “thank you” after the first 6 months?
+
+4. In addition to the £350 to the sponsor (which I’m assuming is intended to be spent on the refugee anyway) do refugees receive their own separate allowance or benefits?
+
+5. If their parents decide to escape Ukraine I’d be glad to host them too. Under such circumstances, I’d be willing to move back in with my parents and let them have my house to themselves. Would there be any implications to this? (essentially a sort of switch from having “lodgers” to “renting” a property but in reality it’s all rent-free anyway).
+
+I’d really love to hear from anyone who has experience hosting refugees because there’s probably much more to consider!
+
+Also I’d like to add that I fully trust my friend and her family. You couldn’t meet kinder people. I’m not concerned that they will fuck up my house. But I appreciate that people who also might be considering hosting will be reading this thread. So any information relating to the rights of sponsors and refugees if things go awry is welcome.
+I am depressed this year, life circumstances aren't helping much, and I feel like I should decorate because that's what moms do, but my heart simply isn't in it. 
+
+Anyone else not in the mood for the holidays and feel you can't afford decorations anyway? 
+Due to my field of work, I deal with clients' income and taxes on a daily basis. As I have been doing this for nearly 11 years, I've become desensitized to numbers.
+
+This has started to affect my own finances to the point where I get no satisfaction from saving / investing every month, due to the numbers seeming insignificant.
+
+If you were in my position, or have experienced something similar, how would you stay motivated?
+Keynesian economics tells us that during a recession, proper fiscal policy would be to increase government spending and lower taxes in order to jump start the economy and raise consumer confidence. We tried the increase in government spending, although at the time many economists said that $700 billion would not be enough to bring us fully out of the recession. As predicted, we are seemingly teetering on the edge of a possible double-dip recession. 
+
+The other end of proper fiscal reaction to a recession, lowering of taxes, seems counter to what both the Democratic and Republican Party plan on doing, which is raising taxes (just based on different levels of income). From what I understand, this activity would have drastic and horrible effects on the U.S. economy as a whole and could send us hurtling down into a depression. However, I admit that as a economics major still in college, I do not understand much. 
+
+Thus, I ask you, economists of Reddit, do you think raising the tax rate will be positive or negative? Why does it seem to me that the U.S. has turned its back on Keynesian economics and, if I am mistaken in my understanding, would you please correct me? Thank you.
+In the year 2000, total global debt to GDP was 246%, before the crisis in 2007 it was 269%, 2014 286% and since then, in just 2 years and 1 quarter the figure has soared to 325% Q3 of last year.
+
+http://www.mckinsey.com/global-themes/employment-and-growth/debt-and-not-much-deleveraging
+
+http://www.reuters.com/article/us-global-debt-iif-idUSKBN14O1PQ?il=0
+
+In spite of this huge debt build, GDP growth world wide has been weak. Some of the recent jump is probably due to the dollar strengthening (other countries borrowing in $), but that isn't all of it. Governments especially has been growing their debt at a worrisome and definitely unsustainable rate. The US for example has been running the largest deficit since the 2nd world war and it can't go on for long before we see credit downgrades.
+
+https://en.wikipedia.org/wiki/File:Annual_Federal_Deficit_as_a_percent_of_GDP.pdf
+
+This at a time when the large baby boomer generation is about to retire which is kind of a double whammy, lower tax income and higher pension spending for the government.
+
+http://www.usgovernmentspending.com/spending_chart_2007_2027USb_18s2li111mcn_00t
+
+So we have government spending cuts and boomer retiring coming up soon, 2 significant deflationary pressures. With what I assume is the most leveraged economy in history, even the central banks have huge balance sheets. I don't think the stocks are terribly overvalued right now, but they certainly aren't cheap either. I don't know if we will get a hard landing or a Japanese style lost decade, but the party can't go on like this.
+There are so many stories on this sub of software/computer engineers or finance people who end up reaching their number for FatFire and to each of those individuals I say, "congratulations, thank you for your insights and fuck you" because it's remarkable what you've achieved now go enjoy it. 
+
+
+
+The more I read though, I don't think I can recall any stories of any Biomedical/Chemical/Mechanical Engineers who have achieved FatFire. As a recent grad who is starting out as a bioengineer with arguably the biggest medical device/pharma/consumer company in the world I am siked about the opportunity but it is also hitting me that on my current path I might not ever hit FatFire (NW goal of ~ 7m at 55). Even with the fact that I aggressively saved, worked through school and invested early on (NW~120,000 @22), I just don't make a lot of money. 
+
+
+
+So my question is what can I do. From those who have more experience then myself, what routes have worked for you? Any Biomedical/Chemical/Mechanical Engineers that reached their number, how'd you do it?
+Throwaway acct for privacy. 
+
+My partner and I have 2 small kids and have had trouble agreeing on where to live. We both love where we are from and it’s important to both of us to spend a lot of time in our respective hometowns. We obviously should have worked this out before we got married and had kids, but here we are. We have very flexible jobs (we are both tech company founders) and have plenty of cash though. 
+
+One solution we are considering is just living in his hometown during the school year and mine during the summers.  
+
+Has anyone done this with small kids? Did it work for you? Fail miserably? Any tips? Feels like a very FatFI kind of problem so asking here.
+On July 5th 1932, in the middle of the Great Depression, the Austrian town of Wörgl made economic history by introducing a remarkable complimentary currency. Wörgl was in trouble, and was prepared to try anything. Of its population of 4,500, a total of 1,500 people were without a job, and 200 families were penniless. The mayor, Michael Unterguggenberger, had a long list of projects he wanted to accomplish, but there was hardly any money with which to carry them out. These included repaving the roads, streetlights, extending water distribution across the whole town, and planting trees along the streets.
+
+Rather than spending the 40,000 Austrian schillings in the town’s coffers to start these projects off, he deposited them in a local savings bank as a guarantee to back the issue of a type of complimentary currency known as 'stamp scrip'. This requires a monthly stamp to be stuck on all the circulating notes for them to remain valid, and in Wörgl, the stamp amounted 1% of the each note’s value. The money raised was used to run a soup kitchen that fed 220 families.
+
+Because nobody wanted to pay what was effectively a hoarding fee, everyone receiving the notes would spend them as fast as possible. The 40,000 schilling deposit allowed anyone to exchange scrip for 98 per cent of its value in schillings. This offer was rarely taken up though.
+
+Of all the business in town, only the railway station and the post office refused to accept the local money. When people ran out of spending ideas, they would pay their taxes early using scrip, resulting in a huge increase in town revenues. Over the 13-month period the project ran, the council not only carried out all the intended works projects, but also built new houses, a reservoir, a ski jump, and a bridge. The people also used scrip to replant forests, in anticipation of the future cash flow they would receive from the trees.
+
+The key to its success was the fast circulation of scrip within the local economy, 14 times higher than the schilling. This in turn increased trade, creating extra employment. At the time of the project, Wörgl was the only Austrian town to achieve full employment.
+
+Six neighbouring villages copied the system successfully. The French Prime Minister, Eduoard Dalladier, made a special visit to see the 'miracle of Wörgl'. In January 1933, the project was replicated in the neighbouring city of Kirchbuhl, and in June 1933, Unterguggenburger addressed a meeting with representatives from 170 different towns and villages. Two hundred Austrian townships were interested in adopting the idea.
+
+At this point, the central bank panicked, and decided to assert its monopoly rights by banning complimentary currencies. The people unsuccessfully sued the bank, and later lost in the Austrian Supreme Court. It then became a criminal offence to issue 'emergency currency'.
+
+The town went back to 30% unemployment. In 1934, social unrest exploded across Austria. In 1938, when Hitler annexed Austria, he was welcomed by many people as their economic and political saviour.
+
+
+source:http://www.opednews.com/articles/A-far-more-efficient-econo-by-Bart-Klein-Ikink-081104-808.html
+$700k NW, 32 y/o, $325k W2 income, HCOL area, married with 1 kid and another planned within the next 1-2 years. 
+
+I come from a lower middle class background. One of my earliest memories is my parents filing for bankruptcy and us having to move in with my grandparents. I was never encouraged to do well in school and never graduated from college. 
+
+Lucked into sales and then management for a small blue collar company. I consider myself extremely fortunate to be in the position I'm in.
+
+Life is a grind though. I constantly find myself thinking about Exercising, Cooking, Pacticing guitar, Playing music with a band, Going out with friends, Having sex with my wife, Playing poker, Traveling, Smoking a good cigar...
+
+I almost never do any of these things. My life is consumed by work and taking care of our 5 m/o baby. My guitars collect dust. Meals are mostly microwaved. No friends, no travel. I dropped out of my band because I simply don't have the time.
+
+I just got another big promotion and my income is going to accelerate to $400k-$600k over the next 1-3 years. At the same time  I'm feeling very burned out and I'm just not enjoying my life.
+
+My father died of a massive heart attack 1 month after his 40th birthday. He never did anything with his life aside from working to support his 5 kids. I can't help but feel I'm on a path to do the same... 
+
+I would love to hear some ideas around:
+
+-Work/life balance. How do you proactively schedule in "you" time without detracting too much from work and family?
+
+-For those of you who have had to grind your way to success, How do you keep yourself motivated?
+
+-Having kids makes things really difficult. Life went from "work hard, play hard" to "work hard, work hard". At what age can you start doing things you enjoy again?
+
+-Is this just what family life is like as an adult? Do I just need to gut up?
+ 
+-I'm considering getting one or even two au pairs, just so I can actually spend some time doing things I enjoy. This would wipe out a huge portion of my saving rate though so... What's the point?
+
+
+EDIT: Just woke up and I am blown away by all the comments. Thank you everyone for your insight and support.
+A little trick that has really helped my wife and I spend less money is to try and have two days per week where we don't spend a single dollar. 
+
+And it's actually a lot easier than you might think once you get used to it.
+
+It really forces you to pack your own lunch, make a pot of coffee at home and avoid all those little (and unnecessary) expenditures that add up over course of a month. As a bonus, by forcing yourself to forego the pack of gum, diet Coke and whatnot on your $0 days, you wind up cutting these things out naturally on the other days.
+
+EDIT: Just to address those who say this is nothing more than creative accounting that doesn't save you any money, there are dozens of types of expenses that we wouldn't "make up" on other days. 
+
+If you don't buy a latte on Tuesday and Thursday because these are your no-spend days, you're unlikely to buy two on Wednesday and Friday to double-down and you're equally unlikely to buy an extra one the day before to sit in your car and wait for you.
+
+And if you try and "cheat" by buying a case of diet Coke and box of gum ahead of time, you're still saving a ton of money by buying in bulk. The cost of 24 cans of diet Coke at the supermarket is the same as 5 from the machine at the office.
+
+If you pass on that clever t-shirt you happen across but had no intention of buying you are unlikely to drive back the next day to get it on a "spending day."
+
+You won't drink twice as much the next night because you passed on going to the pub after work with your mates on a non-spending day and you won't see two movies instead of one and on and on and on.
+
+On top of all that, just getting into the mindset that it's possible to go a full day without spending a dollar starts the habit of watching how you spend every day.
+
+Clearly not every trick works for everyone and clearly if you're taking home a couple grand per week such a tip might be silly - but in our experience it absolutely helps.
+
+EDIT 2: Man...I love Reddit, hahaha. Some of the comments here are pure gold (no pun intended). Yeah...I get it. Some people are poor and don't make as much money as they'd like/need...but this is a totally separate issue. The reality is that, for all our bitching, most people in the first world do, in fact, earn enough money to have some sort of discretionary spending. Sure, if you already have 4-5 days a week with $0 to spend this advice won't be relevant...but this is a totally unrelated issue.
+
+And on the other shoe...yeah, I also get that some people earn so much money that saving a few grand a year on snacks, whizbangs and doodads won't make a real difference....but the majority of people don't earn six-figures and the majority of people do spend more than they truly need to in order to be happy.
+
+At any rate...I had no idea this was going to blow up so big - it just kind of popped into my head this morning as I was drinking my coffee how big of a difference it's made for us to do this (it's been about 7 years now that we've more or less followed this pattern.)
+
+All that being said, a couple years ago I posted about our success using the envelope system and the shit truly hit the fan, haha.
+
+Whoever made that video or decision to post deserves to be fired. The thought process behind that is out of this world in their thinking, if not blatantly spotlighting government corruption. 
+
+
+The whole entire market is a meme stock, to label small-mid cap stocks as meme stocks is manipulation in itself through fomentation. If the SEC did any research, they would know that most of the “meme stocks” were pump and dump via Silicon Valley algorithms and hedge funds to regain liquidity from their short position losses and risky bets. It was also a distraction from the two stocks that “had a systematic risk” to our financial system. To the Fucking Moon. 
+
+You wanna talk about fundamentals and do research? This market does not trade on research and fundamentals. I’m am aware of very profitable companies, that are held ETFs combined with multiple “meme stocks.” It’s all a Fugazi. I’m not mentioning these companies because this is not a DD or trade. It’s not the point of this message.
+
+How many times has the SEC failed to report accurate and timely reports? “Do research” is what that video said. How about you continue to provide accurate dark pool information so that retail can invest and actually make decisions based upon real trades AND “fundamentals”? Fundamentals according to who? The analyst who get paid by hedge funds to place a price target in the direction they want to stock to go because there’s too many calls in the money above that number?
+
+If you’re understaffed let me know I’d be happy to help, but understand that I live by doing the right thing so I might not be up to your qualifications.
+
+The SEC should make a formal apology on live television because the stock market as we know it will eventually cease to exist due to the fact that the investors you are antagonizing are the ones that are going to be taking care of your generation when you need help changing your diapers. We decide how this goes in the end.
+
+I hope you have some inside information because your 401(k)s and pension plans are going to be in the garbage while my “meme stocks” are only a mile away from Uranus. 
+
+Sincerely, 
+Dumb money investor
+
+Edit: typo
+
+Edit: YouTube Ivestomania Meme Stocks. They turned off comments
+
+Edit: Worst part is, your tax money paid for that content.
+ARK Investment Management is looking to debut a new ETF that will focus on transparency in companies and shun vice and sectors that run afoul of ESG investing like fossil fuels.
+
+In an SEC filing, Cathie Wood's shop outlines the fund, which looks to be at least 80% invested in stocks in its benchmark Transparency Index, published by Solactive.
+
+"Companies operating in the following industries, as determined by the Index provider, are excluded from the Index: (i) alcohol, (ii) banking, (iii) chemicals, (iv) confectionary, (v) fossil fuel transportation, (vi) gambling, (vii) metals, (viii) mineral, (ix) natural gas, (x) oil, and (xi) tobacco," ARK says in its filing.
+
+If approved, the ETF would be the second that Ark has launched this year. In March, the company started a fund focused on space-related investments, which has risen about 4% since its debut and now has more than $600 million in assets. Meanwhile, the firm’s flagship ARK Innovation ETF (ARKK) is up to $22.5 billion, although it’s down 2% year-to-date -- compared with a gain of more than 20% for the S&P 500.
+KITTY INU - $kitty (ERC20)
+Launched in late October, Kitty has already established itself as THE  facto Cat token and a Shib contender, as mentioned in CNN, Nasdaq, Yellowblock, Yahoo Finance and more.
+
+Delivering an eye watering Kitty Kart game trailer only 1 weeks into launch, Kitty is gaining attention amongst the upper echelons of the crypto and NFT world! Memorising everyone with a Mario go-kart style racing game featuring our own Kitty, weaving and darting around the track with a Shiba racer following behind has generated buzz and craze amongst the crypto community everywhere!
+
+Kitty’s mission to build a fun, yet serious themed token ($kitty) with multiple utilities in its own kittyverse, resulting in a recent partnership announcement with THE Culture DAO. The brain child of Edward Saatchi, the so-called British Zuckerberg and co-founder of Oculus VR story studio.
+
+With grand ambitions to make Kitty a household name - Kitty will use the resources of THE Culture Dao - which features talented creators from former Pixar animators. Kitty is going to create some highly innovative utility in P2E, NFT and metaverse in this rapidly growing market. 
+
+🐱 - KittyKart - First P2E 3D Game built on proprietary Gaming and NFT Defi Protocol
+
+🐱 - KittyStar - An Artificially Intelligent (A.I.) Kitty will be brought to life as a full-fledged virtual being
+
+🐱 - KittyVerse - in Partnership with CULTUR DAO, Kitty will say hello in the  metaverse and beyond 
+
+Kitty is more than a meme and will become a major player in the P2E Industry and DeFi World.
+
+😻Launched on 25 Oct 2021
+😻Current MC: $42 Million
+😻5400+ Diamond kitties
+😻2M+ buybacks from the Team
+
+AUDITS
+
+✅ INTERFI Audit passed
+✅ CERTIK Audit (on the way)
+✅Liquidty Burned 
+✅KYC Verified Dev
+
+MARKETING
+
+🐈 Social Media Influencers (YouTube, Twitter)
+🐈 International TG Communities
+🐈 Huge partnerships
+🐈 Billboards in primetime locations (i.e. Times Square)
+🐈 Internet marketing (Google, Facebook, Instagram ads, SEO)
+
+UPCOMING EVENTS
+
+♠️ BSC Bridge expected first week of december
+♦️ Kitty Kart, P2E Game developement
+♣️ CEX Exchange listings
+♥️ Major Promotion in Asia
+
+Official Links:
+
+🌎 Website : https://kittyinuerc20.io/
+💬 Telegram: https://t.me/kittyinutoken
+🐦 Twitter: https://twitter.com/KittyInuErc20
+▶️ https://www.reddit.com/u/KittyInuToken
+🛠 Chart : https://www.dextools.io/app/ether/pair-explorer/0x937e882083a0aaf58d7fcf566de8e5d990e882a9
+📈 Contract : 0x044727e50ff30db57fad06ff4f5846eab5ea52a2
+I’ve been with this company for 11 years. We started to really struggle during the pandemic and so the owner decided to ditch the CPA at the beginning of April 2020. He has been paying me post tax since then but not paying taxes at all. When he came to find out he not only owes the taxes for both of us but also penalties the accountant told him he could make me a 1099 employee for the last 3 quarters of 2020. How does this help/hurt me and am I liable to endure any consequences from this going forward if I were to agree?
+I have £650 a month leftover after paying rent, bills, therapy, loan repayment & CC payments.
+
+I ideally want to have £500 a month saved, which gives me a budget of £150 to spend on food & travel. I'm planning to cycle in to work so I'll spend next to nothing on travel - so this leaves £150 for food only.
+
+Does anyone have any tips/resources you can offer so I can meet this target?
+
+Any books you recommend on budgeting, any Youtube channels or blogs? Where should I be shopping for food?
+I don't have the best credit, but have been working on trying to take proactive steps to start rebuilding it over the last month or so. Today I noticed my credit score tanking, and I went to investigate why. I see that one debt collection service has reported a debt that I don't recognize, the date is younger than any debt I would have personally accrued (March 2019 was what they had listed.) They also have an address on my account listed as mine in a state I have never lived in. To make matters worse, they've reported the same debt 8 times in the last year, changing the amount anywhere from $138-$305 each time. I disputed the debt with Credit Karma, but are there any more steps I can take to get all these negative marks removed? I feel like this cannot possibly be legal. I also did not see a way to dispute the random address, but that concerns me even more than my credit score going down. 
+
+TLDR: DC reporting a debt of varying amounts 8 times in a year is trashing my credit, and they have an address from a state I've never lived in. What should I do?
+For those of you that have already retired after hitting your fatFIRE goals, e.g. **$4-5MM**. If you could go back in time, would you have chosen to retire (much) earlier without hitting your goal (e.g. RE at **2MM**)? 
+
+I imagine many of you were likely where I am today (+/- a few years), and hit your goal in your late 30s or early 40s. I am pretty confident that I can hit $4-5MM at 40 if I just keep doing what I'm doing (tech), but just can't make up my mind if I want to keep grinding for another 8 years.
+
+**More context:**
+
+I'm close to hitting $2MM (CAD) NW by the time I turn 32. Currently work in the US, but will move back to Canada once I stop working, so there's less of a need to worry about health insurance, education expenses, retirement etc.
+
+I'm not sure if it's burnout, 2020, the past 4 years, etc., but as a Canadian, I really don't see myself living in the US for the long term. There are a lot of great things about America, but I personally prefer the quality of life and more low-key environment in Canada.
+
+Another thing that makes me want to call it quits now are recent health issues that have cropped up in the past 1-2 years. They were partly caused by stress from a past job, and also just not spending enough time to pay attention to my mental and physical state.
+
+What would you do in this situation? Did the additional 2-3MM that you accumulated past the 2MM mark make enough of a difference to e.g. make it worth working another decade?
+
+Hindsight is 20/20, so I'm hoping to get some advice and different perspectives from those of you that have already walked down this path, and maybe hit this same fork. Many thanks in advance!!
+I have a 2010 Ford Focus with 86k miles. I was actually selling it and had 3 interested buyers for $4,000. The car had a dent already on the opposite side of the garbage truck impact. The city is basically saying without the dent my car would be worth $4,087 however the KBB value of it with the dent and scratch is $4,100 and in good/great condition $4,500-$5,000. So they are already low balling me there. Not only that but they said if I wanted a rental (the car was unable to be driven) I would need to go through my insurance and file a claim. My insurance said they should be paying for it. (previous accident the company of the truck that hit me paid for damages and a rental)  
+Now, to the price they are offering me because of the prior dent damage... $2,854 (tax included). Is there anything I can do about this? I really needed at least $4,000.  
+This is my first post on any financial/advice sub so please let me know if I'm in the right place or if there is any other information ya'll may need to know.  
+.  
+.  
+Edit: So I've gotten way more advice than I could have hoped for. A couple of things I have already done since posting.  
+I've used both KBB and NADA as well as looked at local postings of the same make, model, year of vehicles for sale. They are around and over $5,000 with well over 100K miles. So with the previous damage of a quoted "$1,400" I should still be getting close to $4,000 regardless.  
+I have spoken to my insurance company and will make a claim with them if I do not get a reasonable offer from the city in response to my documentation and email. Only reason I don't want to go initially through insurance is due to the fact that I will have to pay a deductible and risk my premium going up as some people have mentioned. Also, I recently reduced coverage on the vehicle.   
+.  
+Edit 2: Also, for those stating to claim injury or speak to injury attorneys / lawyers. I was not in the vehicle at the time of the incident. Garbage truck hit it, took off, then over an hour later came back down the other side of the street when the cop stopped him. He initially claimed to have not hit my car (grease and yellow paint all over my blue car) then claimed he didn't know he hit it even though the paint on his truck from my car seemed as if he tried scraping it off. Usually garbage trucks do not take over 30min to come back down the other side of our street either...  
+.  
+Edit 3: My state is Texas. I will be looking into filing a loss of use claim for sure. I will also be making some more phone calls to my insurance company and going from there. I have read a lot of your comments with similar stories who have had great outcomes. Hopefully I will report back with the same. Thank you all again for the good (and bad) advice and the cold hard truths of the possible negative outcomes o_o thanks  
+.  
+Edit 4: Last update for today until I reach a milestone. For those saying I need to use my insurance company, I was told by my insurance company that they can't do anything since I recently changed my coverage to Liability and Personal Injury. Didn't include collision due to me selling the vehicle soon. Just my shitty luck. So that's out of the question. On to fighting the city by myself with the help of Reddit.
+https://www.banking.senate.gov/public/_cache/files/d6c0f0b6-757d-4916-80fd-a43315228060/A2A6C1D8DDBB7AD33EBE63254D80E9E3.giancarlo-testimony-2-6-18b.pdf
+
+https://www.banking.senate.gov/public/_cache/files/a5e72ac6-4f8a-473f-9c9c-e2894573d57d/BF62433A09A9B95A269A29E1FF13D2BA.clayton-testimony-2-6-18.pdf
+
+Source :https://twitter.com/TusharJain_/status/960614899499053056
+This has been an amazing market since April and it is really important for all new investors to realize that these types of wins we are all enjoying on the market is not normal. What we are all experiencing is a once in 20 years rally where virtually everything goes up. There are lots of reasons for this to be happening now from stimulus cheques to lack of sports to bet on and of course shifting economies. What is important is to not lose sight of the fact that this run will not last. We have a finite amount of time to prosper so pick your winners and take profits so that when it does flip to a normal state you will have some cash to wait for the next one... 
+
+I don't know when it will happen but it will happen. Until then enjoy the ride. Just don't FOMO or YOLO. If it flips and you have you will probably lose a huge amount of your investments. Shift some profits to safer investments and hope you all have an amazing year here. 
+
+Good Luck everyone and do your DD on everything...
+Hi, I just found this sub. I hope that my post is not against the rules.
+
+But as the title says, My country is pretty much a mini Venezuela right now. We have an inflation rate in the high double digits and the fiscal policy of the country is non-existent at worst and vague at best. Our currency was devalued multiple times in the last 2 years against the US dollar and it went from being 1 USD = 6 to 1 USD = 45 which says it all.
+
+But people simply reacted by increasing the prices of everything including real estate to match all that inflation and devaluation. So now, if that kept going people will lose money, and If somehow the economy recovered people will also lose money. 
+
+I don't know much about economy and fiscal policy. But It seems to me that buying real estate as a store of value or to invest by building property on it to collect rent from it is those such a country is not a good idea at all. I think buying gold for example will be a better option. But i need to hear how others see this. I should also mention that I'n not talking about taking loans here and i'm not in debt, I'm talking about the ROI of real estate in the conditions I mentioned.
+
+Sorry if I didn't articulate my post well, Although I hope the jest of it is clear. I'd like to hear your take on it.
+So someone got into our Kohl's shopping account and ordered $1000+ worth of stuff and had it shipped to our house.  It was an odd thing, why would they do that?  I called and disputed the charges as I didn't really want the goods and they opened a case and said more information would be forthcoming.  
+
+A week or so later I get a letter saying that they have determined that the charges were legitimate and that they have closed the case.  
+
+In the mean time I have $1000 worth of stuff in my house waiting for "further instructions"
+
+I call back in and am a little frustrated at this point.  They explain that what the perps are after was the Kohl's Reward Cash, which also goes into your shopping account as well as gets emailed to you.  
+
+I do recall this from the first call, she said that she was going to "get the Kohls Cash quick"... but that was all that was said at that point.
+
+So I reiterate that I did not make the charges but wanted to know what I am supposed to do now.  
+
+They said to just return the stuff to the store get my refund and be on my merry way.  Easy enough... other than the inconvenience of doing so.
+
+This is where it goes bad.
+
+I return the stuff to the store... but they can't give me full credit for it because... someone spent the $200 Kohl's Cash already.  
+
+Cue the next phone call while the store manager (who was awesome I might add) works with me trying to resolve the issue... this isn't the first time they have seen this issue, at this store just the week prior they had another fraud return.  I'm guessing there is an exploit on their website somewhere that people have gotten into or something, they didn't get into our email or anything else... someone needs better site security
+
+I digress.
+
+Anyway, turns our that the cash was indeed spent, and they track it down to a store literally across the country from me.  Guy says "no problem, I will put back in the dispute and they will clear up the $200 no problem... unfortunately I can't do it, I have to reopen the ticket with the original person running the dispute"
+
+I'm starting to gather that this "original person" is a real moron.
+
+Ok, so I'm happy again.  Things will get patched up no problem right?
+
+Wrong.
+
+I get my bill a week or so later, the $200 is still on there and now they want me to pay for it.
+
+I call in again.
+
+This time I'm rather mad, I've been kind long enough but this is going on 5 weeks now.
+
+Turns out Original Person decided that since the Kohl's Cash was indeed delivered to our email address that we MUST have spent it ourselves... somehow teleporting across the country to do so, and also forgetting that the perps had access to our shopping account and got the Cash info as it is instantly delivered with your purchase.
+
+So now I open the dispute again, we spelled out the problem for Mr./Mrs Original Person what the problem is, explaining that it was spent in a different state, and that the shopping account which also contained the cash was compromised.
+
+What other recourse do I have?  This stupid card doesn't have a Visa/MC logo or anything on it.  I'm about to shred the whole thing and let it sit out there and dispute it at the credit agency level.
+
+KOHL'S Get your act together and secure your dumb website!
+
+Edit:
+
+Thanks for all the suggestions and help.  It is a great community here!
+
+I did run the https://haveibeenpwned.com/ search, great idea BTW.  One hit showed up but that site was only an email database, no passwords attached to it, leading me back to the idea that it is possibly an exploit on their website.  If you read down through the replies, it seems like it is an organized group doing this based on the types of items being purchased (rugs in several) they group that hit me also had the ability to spam our inbox trying to hide the order confirmation email among the garbage messages, no everyone has that ability.  
+Please help me understand Prism.
+
+First, what about the high fees?
+
+If I am going to use Prism in the future instead of a combination of exchanges and wallets I probably lose more money in a few months than I would pay to my bank in my entire life.
+
+With Prism it seems to me Shapeshift is going to take fees that are not proportional to the service they deliver.
+
+- 6 $ fee for "gas cost"
+- 2.4 % fee to "close out Prisms"
+- around 12 % fee p.a.*
+
+Especially since there are no risks associated with what they are doing. If they buy every asset that their clients are putting into their "prism" **Shapeshift can't lose any money**. Correct me if I'm wrong.
+
+For example, If I take 100 ETH and create a Prism that lasts a year it costs me:
+
+- 0.05 ETH (gas)
+- + 1 ETH monthly fee
+- + 2.4 ETH to close it
+
+= 14.45 ETH (???)
+
+which is around 2.500 $ as of today. 
+
+So what they are doing basically, as far as I understand, in simple terms:
+
+- I pay the value of 1 Bitcoin in ETH
+- Shapeshift buys 1 Bitcoin on the open market
+- Shapeshift does not give me the Bitcoin
+- Instead they say "Whenever you want, we pay you the current value of 1 Bitcoin in ETH" (which simply means at the time someone wants "their" BTC back they simply sell the Bitcoin and pay out the ETH)
+- "Oh, and you have to pay us around 12-15% per anno."
+- "Forgot to add you have to trust us that we pay you out"
+- "But its cool because buying 1 Bitcoin for yourself definitely would be more troublesome than paying 300 $ per year to someone holding this Bitcoin for you and all the time you can see your ETH in a contract on the blockchain, how cool is that?"
+
+This system is only trustless in the sense that I do not trust it. How is this taking real advantage of smart contracts?
+
+To me its simply a **centralized**, more or less automated **asset management** powered by Shapeshift, which is cool, but a bit costly (euphemistically speaking) and not decentralized/trustless.
+
+By July 2023 everything but my house should be paid off. I’m 24 my house should be paid off by the time I’m 30. I currently have a 401k and receive a 4% match after putting 5% in. Once everything is paid off should I max out my 401ks or go Roth IRA. I’m looking for the best place to invest my money for my retirement.
+
+ I am about to turn 30 and only have $3k in savings. About half of that is in a Roth IRA and the other half is in an investment account through the acorns app. I can currently save $400 a month and hoping to bump that up to $500-600+ per month once I’ve paid off some more debt. 
+
+I’m pretty sure the best thing I can do for now is max out my Roth IRA but are there any other types of retirement savings account I should be looking into if I have extra money to save? Would working with a financial adviser be wise? Any app suggestions for retirement savings?
+
+Edit: thanks for all the helpful responses, I have lots of reading to do. Just wanted to add that I have a stable job and I’m married. We recently bought a two family home and most of my extra income has gone to renovations/home improvements hence the dried up savings. Thankfully my husband had a sizable emergency fund, 401k and an HSA that his company contributes to. I’m not in a dire situation, just looking to get on the best savings track possible.
+Mate I loved your DD on Uranium shares i would have never known about and only wish I had more to throw down at the time. 
+
+Are there any engineers out there that can/ have thought outside the box in the Green Hydro space on a speccy that could get us all lambos?
+https://www.news.com.au/finance/real-estate/buying/australian-real-estate-house-prices-to-drop-by-as-much-as-15-in-next-18-months/news-story/96163e77b625161fd4281d16bd5b8eee
+**EDIT:  Wow, mods debunking Dr. Trimbath now. What’s next?**
+
+**This is simply a summary of Dr. T’s work to which she reviewed and commented “…Gets across point this could happen to ANY stock.” Twitter link included.**
+
+**First, you guys ban DRSGME.org, then you ban the most pro-DRS advocate** [**u/millertime1216**](https://www.reddit.com/u/millertime1216/)**, and now you debunk Dr. Trimbath. WTF**
+
+​
+
+*Reposting this because it's relevant now more than ever and because Dr. T read it last night and commented on it.*  [*https://twitter.com/SusanneTrimbath/status/1558268812444590080?s=20&t=40V-5xRm2jt967z7Ud2BhQ*](https://twitter.com/SusanneTrimbath/status/1558268812444590080?s=20&t=40V-5xRm2jt967z7Ud2BhQ)
+
+​
+
+**Will your broker fuck you when shit hits the fan? Lessons from CMKM where 68.5 billion phantom shares were discovered during DTC withdrawal**
+
+**TA;DR:** In 2005, investors of CMKM Diamonds, Inc. attempted to pull all their shares out of the DTC and direct register them in their own name. During this process, 68.5 billion phantom shares were discovered and brokers began deleting CMKM shares from investors accounts. Brokers also prevented many shareholders from direct registering and instead had physical certificates issued to *themselves*. While there are significant differences between CMKM and GameStop, this may be the closest example of what to expect as the float gets closer to being locked up in Computershare. If/when shit hits the fan, don’t be surprised if the brokers pull the same kind of bullshit. DRS early and often.
+
+**TA:DR end**
+
+\*This post is a selected summary of pages 208-227 of Dr. Susanne Trimbath’s book “Naked, Short and Greedy.”\**1* *If you are unfamiliar with Dr. T (or a douchebag shill), please refer to footnote 1.*
+
+On November 4, 2005, CMKM issued a press release announcing a distribution that would require investors to get their shares registered in their own name, i.e., out of DTC.^(2) Deadlines were set for DTC withdrawal and a shareholder task force was created. In July 2007, after several delays, the task force announced the total number of registered shareholders and shares. They also disclosed the existence of over 68.5 billion phantom shares, i.e., > 68.5 billion shares that could not be accounted for (should not exist).
+
+**Most relevant to GameStop:**
+
+Many of the investors were unable to direct register their shares because they were holding phantom shares. Although the investors had paid for these shares, the brokers either never obtained these shares to begin with or they had lent them out thereby passing on the “real” shares to the borrower. Dr. Trimbath dubbed these CMKM investors as “UnShareholders.”^(3)
+
+A deeper dive into these UnShareholders revealed that:
+
+* The following brokers were shown to either delete CMKM shares from UnShareholders’ accounts or incorrectly told them certificates were not being issued: Fidelity, TD Ameritrade, UBS Financial Services, Inc., Royal Bank of Canada, eTrade Financial, Bank of America, Charles Schwabb, Bank One, Bank of America, Qtrade, Piper Jaffray, eNorthern Brokerage, LeumiTrade, Fortis Bank Bruxelles/BBH New York
+* The following brokers told “UnShareholders” that they could not get certificates. However, these same brokers got certificates for themselves: Bank of America, Ameritrade, eTrade Financial, Royal Bank Canada, UBS Financial, Chase, Charles Schwabb, QTrade, Piper Jaffray, Bank Leumi, Bank One
+* Charles Schwabb, Chase Bank and RBC Dain deleted investors share positions at a time when the firms had no shares either in depository or on the books of the issuer
+   * Schwabb deleted investor positions (10 million shares) and at the same time ordered certificates for their own trustee accounts
+   * RBC deleted investor positions (11.5 million shares) and told investors that there were no share certificates available. However, documentation shows that RBC received certificates for themselves and other customers.
+   * Chase deleted a high number of investor positions
+
+In the end, all shareholders of CMKM got fukt, including those that were able to direct register. There was no real value in the firm – they did indeed mine diamonds; however, it was revealed that all mineral rights belonged to the founders of the company, not the shareholders. Multiple lawsuits were filed and some are still pending.
+
+“The allegations of fraud and corporate abuse are the reason why no one heard the rest of the story, the one **where brokers were allowed to cheat investors by taking their money and never giving them any shares of CMKM**” (Trimbath, p. 209). Although Dr. T tells the story using CMKM as the example, she emphasizes that this stuff happens to every company with publicly-traded shares, big or small.
+
+Some key differences between CMKM Diamonds, Inc. and GameStop:
+
+​
+
+https://preview.redd.it/p4hietsv6kh91.png?width=975&format=png&auto=webp&s=fa4ab6e52d44fc33d63348558b45cff1f8e6a192
+
+\*There were diamonds being mined but whatever mineral rights claim the founders of CMKM had was only ever owned by the founders. The assets never belonged to the company.
+
+\*\*[https://www.sec.gov/litigation/aljdec/id291bpm.htm](https://www.sec.gov/litigation/aljdec/id291bpm.htm)
+
+**The purpose of this post is to point out the behavior of the brokers during the DTC withdrawal process.** Unlike CMKM, GameStop has an extraordinary future and is not going bust. The DTC, SEC, market makers, and brokerage firms will have a harder time sweeping things under the rug of the court system if and when things get spicy with GameStop. That being said, we are in uncharted waters.
+
+If retail owns multiples of the float, which I firmly believe, what kind of behavior can we expect of the brokers if/when shit hits the fan? DRS, mofo.
+
+^(1)Anyone who throws shade at Dr. Trimbath is either a shill or lacks the knowledge of her background. She is a business professor in Arizona who started her career at the Federal Reserve Bank and DTC. She has been fighting the corruption for a couple decades and has even lent her time to Reddit for multiple AMAs. BuT sHe HaS bEEn PUshiNg HEr nEW BoOK “Naked, Short and Greedy.” Yeah, moron, she lays out all the corruption in detail for us. Besides, she deserves every penny she gets from the sale of this book. She has been fighting the good fight long before any of us knew of the corruption.
+
+^(2)DTC stonewalled any future attempts by other companies and got the SEC to grant approval for a rule change that prohibited requests for withdrawal of certificates that could be **instigated** by issuers. Hence, we would never see GameStop recommending that we direct register with Computershare. The fact that they mentioned Computershare in the last quarterly report should be telling. I’m hopeful they give us an update in Q4, but I wouldn’t be surprised if a new rule or undisclosed SEC threat prevents this.
+
+^(3)Almost anyone who receives a 1099 with “unqualified dividends” when they believe they owned regular shares, are probably UnShareholders, too.
+# VICI Properties DD and about its upcoming merger with 
+
+ VICI Properties is an experiential real estate investment trust that owns one of the largest portfolios of market-leading gaming, hospitality and entertainment destinations, including the world-renowned Caesars Palace. 
+
+**Basic information:**
+
+* **Ticker:** VICI
+* **Cost:** 29.73 (As of 09-11-2021)
+* **Yield:** 4.84% ($1.44)
+* **Payout ratio:** 55.93%
+* **P/E Ratio:** 13.7
+* **Sector:** REIT (Gaming/Hospitality)
+* **Properties:**
+   * 29 "gaming" (Casinos)
+   * 200 restaurants, bars, and nightclubs
+   * 4 Championship golf courses
+* **Has grown 65.17% in stock appreciation since IPO in 2017**
+* **TRIPLE NET LEASE (NNN Lease) to lock in that income**
+
+# Dividends:
+
+Dividends for this REIT have increased a NICE amount since it first started to pay them (normally an increase of 9%).
+
+* **2018:**  $0.16 - $0.2652 (**Increased 64.06%**)
+* **2018:** $0.2652 -  $0.2875 (**Increase 9.52%**)
+* **2019:** $0.2875 - $0.2975 (**Increase 3.49%**)
+* **2020:** $0.2975 - $0.33 **(Increase 10.92%**)
+* **2021:** $0.33 - $0.36 (**Increase 9.09%**)
+
+# Financials:
+
+* **EBITDA:** 1.24B
+* **Total Cash:** $407.52M
+* **Total Debt:** $7.14B
+* **Operating Cash Flow (ttm):** $975.61M
+
+**Total Revenue (in Thousands):**
+
+* 2017 : $201,436
+* 2018 : $897,977
+* 2019 : $894,798
+* 2020 : $1,225,574
+* TTM : $1,463,381
+
+**Net Income (in Thousands):**
+
+* 2017 : $42,662
+* 2018 : $523,619
+* 2019 : $545,964
+* 2020 : $891,674
+* TTM  : $1,256,794
+
+**Debt Repaid (in Thousands):**
+
+* 2017 : -2,350,122
+* 2018 : -690,058
+* 2019 : -1,663,544
+* 2020 : -537,538
+* TTM: : 0
+
+**Free Cash Flow (in Thousands:**
+
+* 2017 : $129,715
+* 2018 : $496,403
+* 2019 : $670,737
+* 2020 : $880,608
+* TTM : $972,445
+
+**Dividends Paid (in Thousands):**
+
+* 2017 : N/A
+* 2018 : -$262,682
+* 2019 : -$503,958
+* 2020 : -$612,205
+* TTM : -$690,935
+
+# Renter Diversification:
+
+**Current VICI Rent Diversification:**  
+\- Caesars - 68% (Remember VICI is a spinoff from Caesars so this makes sense)  
+\- The Venetian - 16%  
+\- Penn National 5%  
+\- Jack - 4%  
+\- Hard Rock - 3%  
+\- Century Casinos - 2%  
+\- ??? - 2% (I literally can't find the company's name, only its symbol which is a circle, inside a circle with a different color? IDK)
+
+# About the Merger and its insane benefits for VICI:
+
+CEO's response (Via Yahoo! Finance):    
+[Why Vici Is Making a Big Bet on the Vegas Strip (yahoo.com)](https://ca.finance.yahoo.com/video/why-vici-making-big-bet-230545736.html) 
+
+for those wondering "what is this merger is actually bringing to VICI.. well its diversification from rent will be more diverse and spread out along the Las Vegas strip and give VICI a "larger reach" across the U.S with MGM's properties in tons of cities/states.  
+
+
+**Current VICI Rent Diversification:**  
+\- Caesars - 68% (Remember VICI is a spinoff from Caesars so this makes a lot of sense)  
+\- The Venetian - 16%  
+\- Penn National 5%  
+\- Jack - 4%  
+\- Hard Rock - 3%  
+\- Century Casinos - 2%  
+\- ??? - 2%  
+
+
+**After the MGP Acquisition:**  
+\- Caesars - 41% (-27%)  
+\- MGM Resorts - 40% (NEW)  
+\- The Venetian - 10% (-6%)  
+\- Penn National - 3% (-2%)  
+\- Jack - 3% (-1%)  
+\- Hard Rock - 2% (-1%)  
+\- Century Casinos - 1% (-1%)  
+\- ??? - 1% (-1%)
+
+This is great as it means VICI will be significantly less reliant on a single company (Caesars). Always great to keep your leasers diverse.  
+
+
+**It will also get:**
+
+* 2 of the largest hotels in the U.S, 
+* 7 Iconic resorts, 
+* 2 of the 3 largest Las Vegas resorts by room count, 
+* 8 premier regional assets, 
+* four 4-diamond AAA rewarded resorts
+
+**Basically meaning:**
+
+* 6K+ hotel rooms (lots more rent), 
+* 20K slot machines ("Keep spinning you'll win eventually ;)" - The House.), 
+* 670 table games (Black Jack / 21 anyone?)
+
+**Additional Locations around the U.S:**
+
+* New York (2, 1 of 2 is pending), 
+* Detroit, 
+* Atlantic City, 
+* Philadelphia, 
+* Metropolis, 
+* North Kansas City, 
+* Biloxi, 
+* Tunica, 
+* LOTS of Las Vegas, 
+* New Jersey
+
+**VICI will own 660 acres which includes iconic places like:**   
+Mandalay Bay, The Park Las Vegas, Park MGM, Luxor (The pyramid thing), Excalibur, MGM Grand, New York-New York, the Mirage
+
+They will literally own a nice chunk / most of Las Vegas with this acquisition and be the largest REIT owner of the entire strip.
+
+# Opinion:
+
+While it did take a small beating this week its also a great time to get in and average down (If it falls lower). 
+
+This REIT has everything a REIT investor would want:
+
+* Great exposure to Gaming/Gambling stocks (Casinos being the REIT's main focus) which you don't see much of, 
+* Nice yield of 4.84%, 
+* a sustainable dividend well covered by cash and income, 
+* a low payout ratio (meaning it can easily sustain dividend hikes), 
+* VERY good dividend increases (based on history),
+* A good CEO that seems to know what they are doing and has given great value to shareholders in the form of dividends,
+* continues to expand, and looks to grow as a company for the foreseeable future with more acquisitions
+
+**CON:**
+
+* Increases shares on a yearly basis (Via Public Offerings) on what looks like a yearly basis, this will cause the stock to drop and might make a few investors panic if it drops drastically.
+* HEAVILY focused on Casinos, and Gaming, little diversity 
+
+Overall I'm only 12 shares into this REIT but plan to use most of my dividends this month ($64) and my next paycheck to double (if not triple) my holding. This REIT makes a ton of cash and, I think, has a very bright future ahead of it.
+I just got off web chat with Comcast and was able to double my internet speed for the same price each month. They even offered me a slightly higher speed at a *lower* monthly price. Talk to customer retention/loyalty and they'll essentially work out any deal to keep you as a customer. Don't let them ever raise your bill. 
+
+Today's move will end up saving me $120/year.
+[This is today's market cap.](https://i.imgur.com/uL2KjBl.png)
+
+Look pretty rough. Solid downtrends, some price adjusting, close to a billion dollars flowing out of crypto today.
+
+A billion dollars.
+
+That's so much money. But is it?
+
+[This is the five day market cap.](https://i.imgur.com/OWSRHao.png)
+
+It's the same trend. We're down about a billion dollars on the week. As a whole.
+
+[This is the one month market cap.](https://i.imgur.com/9nanlVq.png)
+
+This is the November 'bull run' that everyone keeps talking about. As if it were a bull run. Still, from the month start, we're down about a billion dollars. As a whole. That's it. Yet, coin value is still there. 
+
+[This is the three month market cap.](https://i.imgur.com/4snkSYg.png)
+
+Now we're getting somewhere... Up almost 500 billion dollars.
+
+500 billion, in three months.
+
+That seems insane, right?? But it's not.
+
+[This is the six month market cap.](https://i.imgur.com/hrH9ifo.png)
+
+It's up A TRILLION DOLLARS. In six months. Now... THAT is a lot of money.
+
+And finally, [this is the one year market cap.](https://i.imgur.com/ZgbltMN.png)
+
+It's up 1.75 TRILLION DOLLARS.
+
+We have a growing issue with the definitions of bull/bear cycles. Falling 20% was more applicable to fiat. In crypto, those cycles turn on a dime. But they still - always go up. And crypto has absolutely nowhere else to go - but up. 
+
+This isn't a bull run we're in. If anything, it's a short-bear cycle. But in all reality - it's just another day in the madness of pouring hundreds of billions of dollars into crypto by the week. Fiat isn't breaking any new ground. There is no room for growth in fiat. Crypto has unlimited room for growth. 
+
+I don't believe in a bear cycle in crypto anymore after 2020 and 2021. I only see bulls with stumbles.
+Excited to wake up on week days, can't sleep at night, hardly get any work done all day, day dreaming about living a lifestyle where you can buy something as simple as cheese when it's not on sale without feeling guilty about it. But the best part is that, I've never been a part of something where so many people worldwide, feel so united. 99% vs 1%. If this was the only thing I took away from this experience, I'd leave a better man than before this squeeze begun! A world where the 99% stand together doesn't sound so bad! 
+
+Obligatory: 🦍🚀💎🤟
+The following is some \*preliminary\* investigative work analyzing the top 20 campaign contributors for each of the Representatives (on the Financial Services Committee) who voted against the Short Sale Transparency and Market Fairness Act (H.R. 4618: [https://www.govtrack.us/congress/bills/117/hr4618](https://www.govtrack.us/congress/bills/117/hr4618)). The source for how each Rep on the Financial Services Committee voted: [https://docs.house.gov/meetings/BA/BA00/20210728/113999/CRPT-117-BA00-Vote006-20210728.pdf](https://docs.house.gov/meetings/BA/BA00/20210728/113999/CRPT-117-BA00-Vote006-20210728.pdf)
+
+The proposed bill is GOOD for retail investors and aims to equal the playing field, something the powers-that-be want no part in. For this, **I focused on campaign contributors that in my opinion benefit from the current unequal market structure that exists now**. This **only scrapes the surface** and only deals with contributors to each Rep's Campaign Committee and not their Leadership PACs. I only looked at the **Top 20 for each** as this took a while as is. The following data comes from [opensecrets.org](https://opensecrets.org) which is a great resource to track political funding. This is by no means comprehensive and is for only the **2020 election cycle**.
+
+Sorry that some got out of order, but there was a lot of merging of images and it was time consuming as is.
+
+For each screenshot, the columns are as follows:
+
+https://preview.redd.it/8jmo13x6ose71.png?width=484&format=png&auto=webp&s=b61b58f9d786d5075d653015203eaaa725273cf9
+
+**Patrick McHenry**
+
+https://preview.redd.it/1kr7vezouse71.jpg?width=721&format=pjpg&auto=webp&s=5fd90efc58aafdaa6d01d9d30648e308c85de848
+
+As you can see, McHenry's top 20 campaign contributors are almost all big banks, hedge funds, and investment firms that all benefit from the current market structure. McHenry is also the ranking Republican member on the committee.
+
+**Ann Wagner**
+
+https://preview.redd.it/uzflt0vzuse71.jpg?width=672&format=pjpg&auto=webp&s=31195041e60ae8dc326de96f67ab6f3591932327
+
+**Frank Lucas**
+
+https://preview.redd.it/4qgsda62qse71.jpg?width=750&format=pjpg&auto=webp&s=f1187392aaf8dcc75e6e26d8735dcd541f6666b5
+
+**Pete Sessions**
+
+https://preview.redd.it/28wak79cqse71.jpg?width=724&format=pjpg&auto=webp&s=37eada027bf2ac49ec3aa35f6c677876b6feab57
+
+**Bill Posey**
+
+https://preview.redd.it/5wcon2dkqse71.jpg?width=745&format=pjpg&auto=webp&s=3f63f94d84ba8f73e4510f741ae2a48cd7fd84be
+
+**Blaine Luetkemeyer**
+
+https://preview.redd.it/0c75alj5vse71.jpg?width=728&format=pjpg&auto=webp&s=13e1f8bf132edc53e10445a0e089a60256bf1e30
+
+**Bill Huizenga**
+
+https://preview.redd.it/bj49xwaavse71.jpg?width=688&format=pjpg&auto=webp&s=b540cdc6a0f6cd33493b9ab4c6e17eaa8548591f
+
+Bk2 Holdings begins to appear on a ton of these lists. There isn't much information about them online other than it being a shell company with links to "dark money". They are linked to billionaire HF manager Bruce Kovner ([https://www.opensecrets.org/news/2019/01/dark-money-coming-from-a-shell-company-near-you](https://www.opensecrets.org/news/2019/01/dark-money-coming-from-a-shell-company-near-you))
+
+​
+
+**Andy Barr**
+
+https://preview.redd.it/kivhzvqfvse71.jpg?width=709&format=pjpg&auto=webp&s=d2f0df02d8d3cbcc38899d80059f69b6acf22e6c
+
+**Roger Williams**
+
+https://preview.redd.it/1k0v75clvse71.png?width=462&format=png&auto=webp&s=95a423b4611dfa48de7fbffc9152ffd1bf90b4cd
+
+**French Hill**
+
+https://preview.redd.it/6t6jewxqvse71.png?width=462&format=png&auto=webp&s=4eaef86385ea75a1ff158c6968bb2c95b3ed0deb
+
+**Tom Emmer**
+
+https://preview.redd.it/pqkb97rvvse71.png?width=484&format=png&auto=webp&s=12061d9570ee410db9e08e7447a7221406e3ae24
+
+This motherfucker literally has campaign contributions from the **DTCC**!!!!
+
+**Lee Zeldin**
+
+https://preview.redd.it/1r70fch3wse71.png?width=484&format=png&auto=webp&s=401e25ce7ae9eb5bacd6382649a79ff118b8ac42
+
+**Barry Loudermilk**
+
+https://preview.redd.it/hvkocowfwse71.png?width=484&format=png&auto=webp&s=601ae0a70e0547849c74682970534d2fcb95d9e9
+
+**Alex Mooney**
+
+https://preview.redd.it/88me4m8pwse71.png?width=484&format=png&auto=webp&s=a60ba1402bb00d128a5b41d2de8f263a209f61c7
+
+**Ted Budd**
+
+https://preview.redd.it/w9hpsqhtwse71.png?width=484&format=png&auto=webp&s=27621f2449f4cb29b1a5794e87c3cde3d7caff8e
+
+**David Kustoff**
+
+https://preview.redd.it/9cytxc81xse71.png?width=484&format=png&auto=webp&s=fd6eddeef680d07ef9556b027792e7ead74b0f70
+
+**Trey Hollingsworth**
+
+https://preview.redd.it/tl319dbkxse71.png?width=484&format=png&auto=webp&s=8113d666db8a07647fd7876d776a21432afbf916
+
+**Anthony Gonzalez**
+
+https://preview.redd.it/3ncpm3dtxse71.png?width=484&format=png&auto=webp&s=9c1cc78c63514bcd1d4bbb91bafd913977f5530a
+
+**John Rose**
+
+https://preview.redd.it/qf2lbtd5yse71.png?width=484&format=png&auto=webp&s=a01e290798c8af675055bc1549b7394aa1ce3ffe
+
+​
+
+I ran out of space for images so will continue this on a Part 2 post along with a TLDR and some summary points. **Steil, Timmons, and Taylor** still to come.
+
+PART 2: [https://www.reddit.com/r/Superstonk/comments/ovziwv/campaign\_contributions\_to\_the\_representatives\_who/](https://www.reddit.com/r/Superstonk/comments/ovziwv/campaign_contributions_to_the_representatives_who/)
+
+edit: Please at least check out the summary (TLDR) and edits on Part 2, I think these are more consequential than anything else here.
+Remember on March 10th, 2021 when GME crashed from $350 to $180 in like 20 minutes and MSM wrote a slew of articles about that but then forgot to mention that GME ended up closing green that day? A day or 2 after, an ape posted a screenshot that showed the timestamp of the article being 30 minutes before the crash happened. Then more and more apes started investigating and posted screenshots of various timestamps up to 11 hours before it happened. I remember someone tweeting at the time traveling journalist from the first post and the time traveling journalist then made his Twitter private. Afterwards, we saw posts with screenshots of the timestamps having all changed to after the crash.
+
+With the DoJ now potentially investigating a RICO case and the question has come up whether MSM will be investigated too. I remembered those screenshots and decided, I wanted to tweet the screenshots at the DoJ because they are the best evidence for collusion with MSM we've seen, so I started searching Reddit and Google for the posts and they seem to be gone. There were various posts but I'm unable to find them. Could they have been deleted or blacklisted or am I just too smooth brained to find them?
+
+If anyone has the screenshots or the link to those posts, can I haz?
+
+Update: someone sent me an archive link and I tweeted at the DoJ 
+https://www.reddit.com/r/Superstonk/comments/sx42qa/i_tweeted_at_the_doj_about_time_travelling_msm/?utm_medium=android_app&utm_source=share
+ The crypto moonshots subs are overwhelmed with bots. Scams and projects without a community receive 1000s of upvotes. A lot more than quality posts on other subreddits with more subscribers
+
+Where do you guys look for low cap gems? What low cap coins have you been able to find?
+
+Currently my portofolio consists of high cap coins, mainly BTC, ETH, Chainlink, Uniswap, Matic, Monero and Nano. I am looking to add some low cap, coins (high risk/ high reward) to my portofolio which have actual adoption and a high potential to disrupt a (niche) market. Please don’t suggest meme and shitcoins.
+
+What coins are you guys invested in that have actual adoption, are below a 100m marketcap and have solid fundementals?
+
+Ofcourse I will do my own research before investing and I woud recommend everybody to do the same.
+I've been following Thetagang and selling basic puts and calls for about 10 months now and I've been happy with the results. My account is up in value and I feel like I've made money on almost every trade.
+
+Can you all take a look at these trades and let me know if I'm doing this right? Any guidance or feedback would be appreciated. What could I be doing better? I'm here to learn.
+
+A recent post from another Redditor made me start to question everything I've been doing. It caused me to question whether I'm fundamentally misunderstanding something and getting a false sense of profitability. The uncertainty is specifically about the concept of "rolling". I roll almost every trade when it reaches 50-75% profit.
+
+I track every transaction from my brokerage and add up the net debits and credits.
+
+I tried posting a link to my tracker spreadsheet but the post wasn't showing up, so here are some screenshots...
+
+​
+
+https://preview.redd.it/gsy8wxv0rqq71.png?width=1672&format=png&auto=webp&s=21b0c40251f40a94bccf4cf278a2835bc47a88eb
+
+​
+
+https://preview.redd.it/r240snv1rqq71.png?width=1244&format=png&auto=webp&s=8430381334f30c6f9fadd80618317b35fbe25e51
+
+​
+
+https://preview.redd.it/68r7q1u2rqq71.png?width=1213&format=png&auto=webp&s=5d3f3a8e262c13c50e2de403e198db6f007ee629
+
+​
+
+https://preview.redd.it/8a7pb3v3rqq71.png?width=1213&format=png&auto=webp&s=298f2c8e0a1fec595b40d225732b305f5b2039bd
+
+​
+
+https://preview.redd.it/1jllofp4rqq71.png?width=1197&format=png&auto=webp&s=0873f392bac8a7f75212e051154179ee87eb3603
+Hello, I'm after some budgeting advice / general advice for better savings... my wife and I always end up arguing over money as things feel tight!    
+I (33m) live with my wife (also 33), and have three children aged 11,7,5. We have a joint bank account which both pay into and use for all Direct Debits and day to day spending. I try to track spending on an Excel spreadsheet past 6 months: 
+
+I earn £35K Pre-tax and take home £2,095.51 from that. Work locally, (5 minute commute) and able to help drop the children to school before work. I also drop my wife to work at 08:00 when she works part-time. (3 or 4 x5 hour shifts per week). Wife earns approx £650 per month and pays minimal taxes. Wife able to return in time for school pick up. EDIT: Also already on marriage allowance and child benefit. 
+
+On a student loan repayment plan 1 and I still owe around £6k (I only started to earn enough to repay it back in last 4 years) **£104** per month. 
+
+ 6% (£175) goes into my pension and the company pays in 12% (this is the maximum they pay in but I can pay in more. If I pay less they pay less). 
+
+My mortgage is 2 year fixed until next June and pay it in three parts:   
+Main: #1 Total:  £101,834 (From my first house) **£345.05 per month**  
+Further advance #2 Total:  £16,240 (from further borrowing against first house) **£55 per month**  
+Further advance #3 Total: £73,114 (from purchase of second house) **£247 per month**. 
+EDIT: I ONLY HAVE 1 HOUSE SORRY FOR THE CONFUSION. I Sold first house to buy the second... I ported the original mortgage and the loan I had against the house along with getting the third part to buy the new house.
+
+
+Council tax: **£133**
+
+We have 3 different life insurances (the lady who helped us set them up is a friend of my MIL and insisted on all of this): 1st which covers our mortgage upon death or serious life change illness and it decreases over time. **£28** per month.   
+2nd which pays either of us £300K upon death for next 15 years **£25** per month  
+3rd is **£19** and I'm not exactly sure what it is! (these could be mixed up in my head I don't have exact details to hand)  
+I do also have 5x salary payment to my wife upon death in service.
+
+I repay my parents from an M&S Loan they took out for me via Standing order. This is £120 per month which I used to buy a car and consolidate some debt 3 years ago. (It should be £170 but my Dad contributes £50 towards a shared motorbike. My wife is currently learning to drive (cost TBD))
+
+Motorbike PCP payments: £99 per month. This is due to finish soon with a balloon payment of £4K. I am considering selling it before then to pay it off... this is my only real hobby which I also enjoy doing with my Dad, brothers and best friend (once or twice a month).
+
+Credit card: 0% interest currently until next October. Owe £4,500 on that and make minimum monthly payment via direct debit. £3K of that was for a log burner we had installed last year. Approx £45 per month
+
+Car fuel: approx £100 per month
+
+House gas & elec: I was with a company which went bust at the beginning of the year and got automatically switched to Shell. They put my bills up to £151 per month and now are suggesting £177 even though I am £250 in credit at the moment
+
+Water: £58.5 on a meter
+
+Mobile phone: I have a £10 per month sim only and wife has a £60 per month 2 year contract deal
+
+Virgin Media: £30 per month (Broadband only)
+TV Liscence: £13.37 per month
+
+Childrens Sport clubs memberships: £35 per month
+
+Giving: £60 per month (when we are able)
+
+Food: We shop at LIDL once per week and spend approx £80-£100. Then do a 'top up shop' at a smaller shop for packed lunch items approx £15 - £25 per week.
+
+Clothes: We try to budget £70 per month between all of us
+
+The rest we then end up spending on days out, occasional take away, presents for family members / friends.
+
+Ideally I would save each month towards birthday, holidays, christmas and home imrpov. But don't currently save anything.
+
+Thanks for reading. Any advice welcome!
+ Here are a few gems I learned the hard way... sorry about the frustrating Reddit Formatting.
+
+
+1. Do Your Own Research.  Don't just pick a coin shilled by some clown like me on Reddit or an advisor on YouTube. Your Uncle Tommy might not be as smart as you think. Do read and research to find a project that makes sense and has a real world use cases - good tokenomics and development teams. This leads to...     
+
+
+2. There are *NO* GET RICH QUICK SCHEMES! 
+              ☆Thus, stay away from S***Coins!☆
+
+The Reddit groups such as Satoshi Street Bets and Crypto Moon Shots are not your friend. Anyone guaranteeing a 100x -1000x profit is a crook, and rug pulls are common by these developers. This is why people on this Reddit sub get so frustated by people who can't see the dangers of meme coins with no use cases. Most of these coins have less chance of winning than the lottery in your state.   
+
+3. Make your portfolio strong. This means putting more $ in original, safer coins such as BTC and ETH, with much lower percentages in Alt coins such as VET, ADA, DOT, ALGO, and the like. The alt coins carry higher chances of gains, but also much higher risk of losses. You do want to diversify for risk management.  
+
+The older you are, the more conservative you may want to be.  Many people like the strategy of profiting on their smaller coins and putting the profits back into BTC and ETH. My personal strategy is 70:20:10 with 10% in Alts. 
+
+4. Spend only what you can afford to lose.  I know people are sick of hearing this...but I remember stories from 2017 of people taking out 2nd mortgages and selling cars to buy Crypto. Their finances were Rekt very quickly. Right now during this bull market, we all are happy. This can change overnight.   
+
+5. Don't FOMO ( fear of missing out) into a coin. If it's nearly at its high, It can *and* will likely consolidate and go down; you can always buy in at the dip in price. Be patient. This leads to:  
+
+6. Use DCA. Dollar Cost Averaging has been shown by experts to be the best trading strategy in crypto. DCA means buying coins on a regular schedule, hopefully lowering your average costs over time.  You can also DCA/buy the dips, but you never know when a crypto is at a low, so pure DCA usually works better.    
+
+7. Don't PANIC SELL!  This is usually the first mistake newbies make in order to cut their losses.  I know I did.  Had I never panic sold, I would be up about 70% higher than I am today.  
+This panic selling also happens in a bear market,  when losses can hit 30% in day. Everyone wants to sell at the same time.  
+When you are in doubt about your coin's recent dive,  zoom out on the price chart to look at a year or 2, and you will realize most 20% dips come right back up.    
+
+8. Hold on to your coins,  especially if you bought them because you believe in their future. You will make more money Holding than selling and buying another Crypto almost EVERY TIME.  HODL! 
+
+9. Invest in a hardware wallet when you can. You can keep coins on exchanges or "hot" (online) wallets when actively trading, but take the crypto out when you can for safety.  Some exchanges do not give you a seed phrase: many say "Not your keys, Not your Coin."  
+
+10. Have an exit plan.  Some people take out their original investment and play only with the house money. Others take profits when a coin reaches a certain % gain or value. Set a goal and use it. If you wait until the bear market you may not have profits to take.   
+
+11. Leverage trading is for idiots and fools and you can lose much more then simple investing.  Wait until you're 75, and if you are still alive and heavily in the market -  then maybe leverage trade.   
+
+12. Don't watch your phone or computer all the damn time.  Unless you're a successful day trader (less than .05% of people, experts say) you don't need to watch prices but 2 or 3 times a day. What you find should not change your strategy, unless BTC drops to 10k and you want to buy in. Stress kills.   
+
+13.  It's just money.  A high percentage of people in Crypto just want to get a lift out of poverty and gain some savings. A little money can mean a lot to some of us. But money is not worth your health,  family,  career,  or life. 
+
+Good luck and Make Money!
+Young 30’s / married, no kids / combined \~700k per yr on the rise
+
+Assume for a minute you worked for about a decade at a tech company amassing \~3M (thanks AAPL!) in stock after never selling, representing \~80% of your NW. The 20% remainder comprised of primary residence, 401k/personal brokerage, and a limited, but growing amount of RSU’s in yet another tech company. I feel both stupid and lucky for letting it all ride considering the stock growth in hindsight, but now I’m looking ahead.
+
+If you were looking to FATFire in 5-10yrs (NW target TBD, but >6M) would you sell and take the hit to diversify into index funds? Or continue to build diversity in new investments? I’ve also been exploring taking a sabbatical year, which could allow me to realize the 15% cap gains level.
+Their customer service is non existent. Not only when you send an email they reply to you after 7+ days but also their answers are fixed and dry without even taking the time to provide any info.
+
+To be more specific:
+
+1. I asked in case of Degiro goes BANKRUPT and someone has a CUSTODY account (SPV LONG ONLY) since the financial instruments are not lent to third parties (Asset Segregation) if you can recover 100%-FULLY your assets instead of the ICS (Investor Compensating Scheme) of 20 K (which is a joke) !
+2. NOTHING is under your NAME (OMNIBUS accounts in SPV) since they use a complex system of Custody Chain that you are the Final Investor-Ultimate Beneficiary in a Chain of Rights (only a note from the side of DEGIRO as to who owns what exist). My second question was HOW you can recover-claim back your financial instruments since NOTHING is under your name after a BANKRUPTCY ? Which is the procedure that applies in that case ? In other words is it possible to transfer your portfolio to another broker after the bankruptcy of Degiro ?
+3. Basic account > Third parties borrowing > If the third party-the Borrower sells your stocks at 50 EUR/share and the stock goes to 300 EUR/share (more than the 104%- used as a collateral) for 1000 shares. Does Degiro covers you to the FULL extent (300 EUR/share for 1000 shares) ? ? Or...there are Max figures-Limits ?
+
+They haven't replied to any of these questions !
+
+Can someone here respond in case he/she knows ? Thanks !
+Your markets are run by bots. Now your daily threads are too.
+
+​
+
+This thread is for plans and thoughts prior to the market open period.
+
+Maybe use this time to read the [wiki](https://www.reddit.com/r/asx_bets/wiki/index/) [.](https://styles.redditmedia.com/t5_2hqqj5/styles/communityIcon_41pmnaqp4zn41.png?width=256&s=59bf38425fb316fdcba30365b272a5f19352f370)
+
+​
+
+Posts relating to the "Is /r/ASX_bets about finance or effect your mental health?" etc will lead to a ban of the mods chosing. [You have been warned](https://www.reddit.com/r/ASX_Bets/comments/l0l9et/the_does_asx_bets_effect_your_finances_emotions/?utm_medium=android_app&utm_source=share).
+
+​
+
+[We have an active official/unofficial discord. It's open to all discussions, stonks related and non-stonks related](https://discord.gg/EKU2tVBp9u).
+Your markets are run by bots. Now your daily threads are too.
+
+​
+
+This thread is for plans and thoughts prior to the market open period.
+
+Maybe use this time to read the [wiki](https://www.reddit.com/r/asx_bets/wiki/index/) [.](https://styles.redditmedia.com/t5_2hqqj5/styles/communityIcon_41pmnaqp4zn41.png?width=256&s=59bf38425fb316fdcba30365b272a5f19352f370)
+
+​
+
+Posts relating to the "Is /r/ASX_bets about finance or effect your mental health?" etc will lead to a ban of the mods chosing. [You have been warned](https://www.reddit.com/r/ASX_Bets/comments/l0l9et/the_does_asx_bets_effect_your_finances_emotions/?utm_medium=android_app&utm_source=share).
+
+​
+
+[We have an active official/unofficial discord. It's open to all discussions, stonks related and non-stonks related](https://discord.gg/EKU2tVBp9u).
+Your markets are run by bots. Now your /r/Asx_bets daily threads are too.
+
+Read the [wiki](https://www.reddit.com/r/asx_bets/wiki/index/) people[.](https://styles.redditmedia.com/t5_2hqqj5/styles/communityIcon_41pmnaqp4zn41.png?width=256&s=59bf38425fb316fdcba30365b272a5f19352f370)
+
+[Posts relating to the "Is /r/ASX\_bets about finance or effect your mental health?" etc will lead to a ban of the mods chosing. You have been warned.](https://www.reddit.com/r/ASX_Bets/comments/l0l9et/the_does_asx_bets_effect_your_finances_emotions/?utm_medium=android_app&utm_source=share) 
+
+Automoderator may provide "Guidance" for Lazy and zero effort posting.
+
+[We have an active official/unofficial discord. It's open to all discussions, stonks related and non-stonks related.](https://discord.gg/wsNDGTf5QH)
+Your markets are run by bots. Now your daily threads are too.
+
+​
+
+This thread is for plans and thoughts prior to the market open period.
+
+Maybe use this time to read the [wiki](https://www.reddit.com/r/asx_bets/wiki/index/) [.](https://styles.redditmedia.com/t5_2hqqj5/styles/communityIcon_41pmnaqp4zn41.png?width=256&s=59bf38425fb316fdcba30365b272a5f19352f370)
+
+​
+
+Posts relating to the "Is /r/ASX_bets about finance or effect your mental health?" etc will lead to a ban of the mods chosing. [You have been warned](https://www.reddit.com/r/ASX_Bets/comments/l0l9et/the_does_asx_bets_effect_your_finances_emotions/?utm_medium=android_app&utm_source=share).
+
+​
+
+[We have an active official/unofficial discord. It's open to all discussions, stonks related and non-stonks related](https://discord.gg/wsNDGTf5QH).
+Your markets are run by bots. Now your Weekend threads are too[.](https://styles.redditmedia.com/t5_2hqqj5/styles/communityIcon_41pmnaqp4zn41.png?width=256&s=59bf38425fb316fdcba30365b272a5f19352f370)
+
+Read the [wiki](https://www.reddit.com/r/asx_bets/wiki/index/) people.
+
+[Posts relating to the "Is /r/ASX\_bets about finance or effect your mental health?" etc will lead to a ban of the mods chosing. You have been warned.](https://www.reddit.com/r/ASX_Bets/comments/l0l9et/the_does_asx_bets_effect_your_finances_emotions/?utm_medium=android_app&utm_source=share) 
+
+[We have an active official/unofficial discord. It's open to all discussions, stonks related and non-stonks related.](https://discord.gg/ywAGqfUAQE)
+Your markets are run by bots. Now your daily threads are too.
+
+​
+
+This thread is for plans and thoughts prior to the market open period.
+
+Maybe use this time to read the [wiki](https://www.reddit.com/r/asx_bets/wiki/index/) [.](https://styles.redditmedia.com/t5_2hqqj5/styles/communityIcon_41pmnaqp4zn41.png?width=256&s=59bf38425fb316fdcba30365b272a5f19352f370)
+
+​
+
+Posts relating to the "Is /r/ASX_bets about finance or effect your mental health?" etc will lead to a ban of the mods chosing. [You have been warned](https://www.reddit.com/r/ASX_Bets/comments/l0l9et/the_does_asx_bets_effect_your_finances_emotions/?utm_medium=android_app&utm_source=share).
+
+​
+
+[We have an active official/unofficial discord. It's open to all discussions, stonks related and non-stonks related](https://discord.gg/EKU2tVBp9u).
+Your markets are run by bots. Now your daily threads are too.
+
+​
+
+This thread is for plans and thoughts prior to the market open period.
+
+Maybe use this time to read the [wiki](https://www.reddit.com/r/asx_bets/wiki/index/) [.](https://styles.redditmedia.com/t5_2hqqj5/styles/communityIcon_41pmnaqp4zn41.png?width=256&s=59bf38425fb316fdcba30365b272a5f19352f370)
+
+​
+
+Posts relating to the "Is /r/ASX_bets about finance or effect your mental health?" etc will lead to a ban of the mods chosing. [You have been warned](https://www.reddit.com/r/ASX_Bets/comments/l0l9et/the_does_asx_bets_effect_your_finances_emotions/?utm_medium=android_app&utm_source=share).
+
+​
+
+[We have an active official/unofficial discord. It's open to all discussions, stonks related and non-stonks related](https://discord.gg/wsNDGTf5QH).
+Your markets are run by bots. Now your /r/Asx_bets daily threads are too.
+
+Read the [wiki](https://www.reddit.com/r/asx_bets/wiki/index/) people[.](https://styles.redditmedia.com/t5_2hqqj5/styles/communityIcon_41pmnaqp4zn41.png?width=256&s=59bf38425fb316fdcba30365b272a5f19352f370)
+
+[Posts relating to the "Is /r/ASX\_bets about finance or effect your mental health?" etc will lead to a ban of the mods chosing. You have been warned.](https://www.reddit.com/r/ASX_Bets/comments/l0l9et/the_does_asx_bets_effect_your_finances_emotions/?utm_medium=android_app&utm_source=share) 
+
+Automoderator may provide "Guidance" for Lazy and zero effort posting.
+
+[We have an active official/unofficial discord. It's open to all discussions, stonks related and non-stonks related.](https://discord.gg/wsNDGTf5QH)
+Your markets are run by bots. Now your daily threads are too.
+
+​
+
+This thread is for plans and thoughts prior to the market open period.
+
+Maybe use this time to read the [wiki](https://www.reddit.com/r/asx_bets/wiki/index/) [.](https://styles.redditmedia.com/t5_2hqqj5/styles/communityIcon_41pmnaqp4zn41.png?width=256&s=59bf38425fb316fdcba30365b272a5f19352f370)
+
+​
+
+Posts relating to the "Is /r/ASX_bets about finance or effect your mental health?" etc will lead to a ban of the mods chosing. [You have been warned](https://www.reddit.com/r/ASX_Bets/comments/l0l9et/the_does_asx_bets_effect_your_finances_emotions/?utm_medium=android_app&utm_source=share).
+
+​
+
+[We have an active official/unofficial discord. It's open to all discussions, stonks related and non-stonks related](https://discord.gg/wsNDGTf5QH).
+Okay, I've got some weird finances. Currently, I work 40(+) hours a week making minimum 450 to over 500 some weeks. I have very low expenses. My rent is 265 monthly, utilities included, even wifi. I don't drive, just bike, and I don't even have a phone bill. I communicate through apps. I spend very little on food, usually nothing, because I have an arrangement with my roommate that I do all the cooking/dishes and they buy all the food. I've got a couple fringe benefits from my job, like moderate healthcare and school coverage, but I'm not enrolled at the moment. All I do is save. At 24, I have 30k in my bank made of this job and previous work.
+
+My partner lives in Canada, and I am attempting to gain citizenship there, making it my only other financial requirement. I sincerely doubt this will happen by the end of the year, however, so my income is likely to stay consistent.
+
+I need to make my money work for me. I admit that I'm not the brightest. I know how to pinch a penny, and have a lot of self control when it comes to spending, but I am terribly, terribly afraid of screwing that up and making bad decisions that leave me with nothing. I've wasted a lot of time because of that fear, my most adventurous investments being risk free CDs. I want to invest in a particular stock I believe in and want to support, but lack any other plans. I've floated buying a cheap vehicle, probably a motorcycle, and getting supplemental work doing Door Dash or similar services, but that's not working smarter, just more, and what I want is to work less while making enough that it doesn't send me into an anxiety spiral that makes me want to keep each penny like Smaug McDuck. I would like to travel and buy the things I want some day, but the way I see it, I have this money now, and the sooner I make it start returning value, then I can feel comfortable living life.
+
+What should I do? Please don't point out how stupid I am because I already know.
+I am on pace to finish my bachelors at the end of this year but I feel like I haven't actually learned anything useful yet. I'm mainly scared because besides classes like Econometrics and Game Theory that I'm taking now the rest of my classes seem qualitative and economics jobs seem extremely quantitative. I want to make a resume for summer internships but can't think of any hard skills I have learned which is worrying me a lot. Are those 2 classes going to give me enough skills or am I gonna be in trouble?
+I am currently writing my Bachelor thesis about high skilled-migration. I understand that Docquier and Marfouks work 'International Migration by Education Attainment, 1990–2000' is the go-to work to see which countries are the most impacted by the Brain Drain. Are there any similar papers  that use more recent numbers? Thanks
+So i just finished my first year of undergrad, and im kinda lost. I had to declare my major in the beggining of the school year, and i choose econ and compsci without haven taken courses in either of those two classes before, because why not. I found that I enjoyed both my majors, but i have no fucking clue what kind of jobs or internships I can get into once I graduate; to be honest outside of being professors I have no clue what econ majors actually do; I just chose this major because I liked the freakonomics podcast. 
+
+Please help.
+Argument between me and a friend. He believes that China would be in a worse shape and that the US would be able to replace China as a trade partner with India in the long-term, but also that China wouldn't be able to recover. This is because he believes that China doesn't actually produce much of anything in the first place; that their greatest value is as cheap labor for. The crux of his argument centers around China having a lack of brands that "people respect."
+I'm no economic expert, but I found his claims to be ridiculous because of how much trade goes on between the two countries. Surely, it can't be that one-sided of a relationship if the so many products are "made in china" Oh, yeah, that's another thing, according to him "made in china" doesn't exactly make a product Chinese. Thanks in advance.
+Welcome to the Daily General Discussion thread of /r/EthTrader.
+
+***
+
+Thread guidelines:
+
+-  Please refrain from discussing non-Ethereum related tokens here. You are welcome to discuss altcoins in the Daily Altcoin Discussion thread.
+-  All [sub rules](https://www.reddit.com/r/ethtrader/about/rules/) apply here so please be familiar with them.
+
+***
+
+ Resources and other information:
+
+* Find the latest Altcoin Discussion thread in [this search listing](https://www.reddit.com/r/ethtrader/search?q=author%3Aautomoderator+title%3Aaltcoin&include_over_18=on&sort=new&t=all).
+
+* Newcomers who have basic questions about Ethereum can find answers by visiting /r/EthereumNoobies or our Ethereum Education wiki page, [see here](https://www.reddit.com/r/ethtrader/wiki/education).
+
+* To view live streaming comments for this thread, [click here](https://reddit-stream.com/comments/auto).  Account permissions are required to post comments through Reddit-Stream.com.
+
+***
+
+Enjoy!
+
+**This is why we do what we do:**
+
+"WindSwap was one of my first crypto investments - given the success of other altcoins and the seemingly legit project, I invested money into the project. A few days ago the entire project was rugged - the website and all social media were deleted. I just had a kid earlier this year and I have been trying to identify legit projects to invest in in order to give her a better future than I had. While I only invested what I could afford to lose, it still hurts to see this blatant scam. I invested in NASA about a month ago, and so far have been extremely happy with the efforts of the team. I just found out about the Rug relief fund this week, and given my recent loss, I'd very much appreciate consideration for the relief fund.”
+
+Applications for NASA Token’s Rug Pull Relief Fund are increasing everyday, and as a result, so does the amount of successful applicants. At this current point in time, NASA has received 20 applications and have approved more than half of them. Not only does this emphase the high success rate of applicants but it also demonstrates how NASA is not afraid to give out free tokens providing investors meet the criteria.
+
+In addition to this, NASA has teamed up with Crypto Bull to bring you the first (of many) YouTube video reviews on the NASA Token. Crypto Bull, while not extremely popular, puts a lot of effort and thought into his reviews, which made partnering with him an easy decision. Make sure you check it out here https://www.youtube.com/watch?v=6jaK-mpErV4.
+
+The Rug Pull Relief Fund is only ONE of NASA’s number of use cases, the others include:
+
+* **NFT’s**. Over the past week NASA has secured a partnership with a juggernaut of the cryptospace, CumRocket. Keep an eye out for the official release of the NFT - this will be HUGE.
+* **NASA Auditing Service**. NASA is on the cusp of releasing the report of their first audited token. The auditing service will also tie in with the NFT marketplace they are currently in the process of developing.
+* **NASA’s “Top Secret” App**. An exclusive app for hodlers of the NASA Token, which will also give direct access to NASA’s many services it provides.
+
+NASA’s chart is looking incredibly healthy and bullish. Despite the market dips, despite the constant FUD and the naysayers calling NASA “just another shitcoin” the team has remained resilient and united. They have worked tirelessly around the clock, innovating and developing NASA to ensure its future success.
+
+The world is slowly starting to recognize what the team at NASA have known since the very beginning, which is that NASA is Not. Another. Shit. Altcoin.  
+**Become a Nastronaut today!** 👩‍🚀🚀
+
+📄**Contract:**  0x70CF8d40A3D0F7BC88077Ba7D103050d0001A653
+
+🌐**Website:** [https://www.nasatoken.net](https://www.nasatoken.net/)
+
+🥞**Pancake Swap:** [https://exchange.pancakeswap.finance/#/swap?outputCurrency=0x70cf8d40a3d0f7bc88077ba7d103050d0001a653](https://exchange.pancakeswap.finance/#/swap?outputCurrency=0x70cf8d40a3d0f7bc88077ba7d103050d0001a653) 
+
+🏛️**BSCscan:** [https://bscscan.com/address/0x70CF8d40A3D0F7BC88077Ba7D103050d0001A653](https://bscscan.com/address/0x70CF8d40A3D0F7BC88077Ba7D103050d0001A653)
+
+🗯**Telegram:** [https://t.me/officialnasatoken](https://t.me/officialnasatoken) 
+
+💬**Discord:** [https://discord.gg/4qhbm6MzpN](https://discord.gg/4qhbm6MzpN) 
+
+📣**Twitter:** [https://mobile.twitter.com/NASAtoken](https://mobile.twitter.com/NASAtoken)
+
+📷**Instagram:** [https://www.instagram.com/nasatoken/](https://www.instagram.com/nasatoken/)
+A confused and exasperated Taco Bell manager was just wondering why they only have 2 people working. They have “now hiring” signs plastered everywhere *proudly* proclaiming $10 an hour. 
+
+Every other place in the area is starting around $15.
+In the end i'd gross an additional $1400 or so a year, but it'd require me to move all my money from a PNC account to a Capital One money market, which is an online account.  They have branches but none near me. They have a lot of local ATMs though. They are my credit card as well so i thought it'd be easy.
+
+And yes I' know it's not a great idea to have this much just sitting in a savings in general.  I'm working on that and trying to work with an investment adviser.
+
+**EDIT: Thanks for all the replies everyone.  I decided to call PNC first to see what they could do for me. Turns out they had a higher tier account that upgraded me to that gives me 1.80%.  Not as good as some of the online banks, but still better than the .06% i was getting.  I'm going to meet with an investment adviser and see what he says before making any more changes.**
+Every time he posts something that has to do with poop, its a sign of a red day.  
+He posted Mr. Hankey the christmas poo, before a dip.  
+He posted that "Dumb and Dumber" Clip, before a dip.  
+And he posted Terrance and Phillip farting, before a small dip.
+
+Probably because he knew we expected a green day.
+
+So he knew and he told us.I don't know how he knew.   
+And I don't know what he knows.  
+But he somehow knew.Maybe its because of the federal Holiday, that its +1 Day, but I don't know.
+
+I still like the stock.  
+And I still like R.C. in the Chair, I feel like Gamestop is in good hands, Apes included.  
+
+
+  
+Edit:  
+Wow, thanks for the awards!  
+This wasn't initially my theory, I did read it on superstonk after one of those poop tweets.  
+Some wrinkled apes added some more info:  
+
+
+u/w2re3tr4 added:" 4/29 Tweet: -17.5% cumulative after 7 trading days (two positive days +0.1%, +1.0%)
+
+3/11 Tweet: -53.7% cumulative after 9 trading days (one positive day +0.8%)"
+
+u/DotAdewk added:" To add on to OP, the price for GME dropped for 9 trading days after both the Dumb and Dumber pooping gif (March 11-24) and Mr. Hankey picture (April 29-May 11). We'll see if joining the Russell 1000 breaks the trend!"
+
+u/BluPrince added:"You forgot the Blockbuster video tweet w/ poop emoji from Jan. 6, which also preceded a red day."  
+
+
+I am also not 100% married to the whole t+21 theory, maybe its t+1 because of SEC holiday, maybe its t+35.  
+Maybe something else disrupted the theory and it will pop up again, I don't know.  
+
+
+I am looking forward to all new theories, though it does not have any influence on when I buy.  
+I just buy whenever I got some money and am not really concerned about dips or not dips.  
+When it goes up it will not matter and those extra shares are for the infinity pool anyway.
+Hello Everyone!
+
+Ape help ape.
+
+Howdy all! I've been immensely happy for the good reception this has been getting, and for all the people helping in their needs. I'm just so happy for that. Now just like I always ask, is everyone holding up okay? Still very much turbulence in the world right now, as well as personally for some. Alot of people have been having things rough. It's okay to take a breather! Maybe do a little yoga, in, out! Ahhhhh!
+
+
+ IT'S THE FINAL COUNTDOWN! DUH NUN NUN NUN DUN DUH DUN DUN DUN DUN! So earlier this week, Ryan Cohen filed for the right to sell some of his bath stock within 90 days, leading to wild speculation of many things. If this means anything, who knows for sure. But it does tell you that Ryan still is acting out his plan for GME, and that soon tendies and generational wealth will be here for all. So then after all this happened, Ryan did end up selling his bath stock yesterday, showing that GME is and always was the one true MOASS play. I'm excited for what the next few days will bring!
+ 
+Now on to the fun stuff. Anyone need food or essentials? Please reach out to the community and speak up! No shame. Many here can help make sure that you and your loved ones are good. There is no reason anyone should be without. Ive seen so many comments of people in tough times, it just absolutely pains me to see this. I don't know how to even do this. I'm sure we can find a way in keeping this responsible and anonymous. Anonymous is the word, no one is asking for anyone to be doxed here.
+
+No one should be without. We're all family here. Even if this helps a few people then it's worth it.
+
+If you need help, if you're struggling, please ask. We are all a community, and there's no shame in seeking support if you need it. Also you don't need to be in the same area, hopefully you can find someone/people to help! If you just need to vent that's fine too.
+
+Just wanna go over a few ground rules for this post. Feeling frustrated and tired here IS okay, but spreading FUD is not. A little leway will be given but outright **saying you sold** (true or not) is not the best to post and **WILL be considered FUD.**  No fud please. Basically not spreading of fud and not talking of selling and you'll be good. Also helping out is absolutely okay, and welcomed, but I think the line has to be drawn at posting things like official charity links and gofundmes, at least here in the comments. Also remember that while this is an online community, we are all individual investors. But also remember that needing help is okay and you're not alone.
+
+As for the critics, not everyone who's struggling is over leveraged. Alot can change in a year or even just a few months, and you just never know what people are truly going through. Also many people who have no idea what's happening with GME currently are feeling the effects of the state of the economy right now. A little compassion never hurts 😄.
+
+Cheers everyone 🍻, and hope everyone has an awesome weekend 😊.
+
+Use your gut and ape help ape! WAGMI. And remember, Power to the Players 🥢! DRS! 🦍❤️
+ Stay cool! Don't lose hope, not just in moass or Ryan Cohen, but never lose hope in yourself! Love everyone.
+This sub is getting more and more retarded, but not in a good way. No one understands the meaning of lurking anymore and the daily is flooded with retarded people. The witch fiasco, now this unemployment shit. Why are you all surprised that a conclusion reached by people who give 5k upvotes to a copy pasted Investopedia page explaining what the Greeks are is wrong? WSB may once have been one step ahead of the normies, but these days WSB itself has become those thinking they are outsmarting the normies despite being normies themselves. 
+
+No, spamming autistic shit like BEAR GANG and DRILL TEAM 6 in dailies will not make your 4/3 150p print, you are not bear gang, you are retarded.
+
+Think how stupid the average person is, and remind yourself that the average WSB user falls far under that mean. No, you did not discover top secret insider info about rising unemployment rates, you are not a genius for coming to the conclusion 1 day before the announcement that the market could tank from this info. If even a troglodyte could reach a conclusion, the market has reached that conclusion a long long time ago.
+So I was wondering how a physical ETF being an open ended fund manages to replicate performance even if it has a large incoming flow of capital. Do they have systems running to constantly buy and sell shares depending on the funds flow? Would appreciate some insight from someone that works in the ETF industry. Thanks!
+The Nordic countries all have very small populations and they have amazing development, some say they are more developed than the us.
+
+Meanwhile India has a gigantic population and has severe poverty issues, most of Latin America have a similar dinamic (Brazil, Mexico).
+
+So the question is, are smaller populations better? Was Thanos right?
+I'm nearly a highschool graduate and I'm going to have to choose a major to study in a university soon. I would like to spend my life in creating companies and expanding them. I admire the work of businessmen and entrepreneurs and I desire to spend my life doing that as it fascinates me tremendously. 
+
+My question to all the personal related to the field of Economics is that will studying economics beneficial to me in the future as an entrepreneur/businessman? I have compared other options like Bachelors in Business Administration and Accounts and Finance, and I have come to realization that Economics seems to me to be the most interesting field to study. 
+
+You might think that I should be studying Business Administration but the my objection to that is that, that degree is very generalized and doesn't touch a field in full depth so I chose Economics as I would like to study that in depth and hopefully it will help in my above mentioned endeavors. I also believe that to become an entrepreneur you have to polish that skill yourself solely by experience and self study rather than trying to learn it in college. So you can comment on that too.
+
+Lastly I would ask you, is there a set of fields that amplify one's probability of being relatively successful/better off in relative to the above mentioned career choice of mine or rather in any field?
+
+Your constructively critical response and honest professional advice, supported by experience, will be of substantial support to me.
+Can someone explain what money is? Why do we seek it? Is money just a lie that we keep telling ourselves? Also, why is money so effective in what it does? Has there always been money?
+Is is understood thar the evonomy must be reconfigured by public intervention to slow or even stop climate change.
+
+What measures would reduce carbon emissions efficiently and cost/disrupt  the least economicly in the US?
+Just the title. I have heard about CATO institute when I was into 'climate skepticism' and all that conspiracy stuff, and CATO was a 'climate skeptic'. Today while listening to Economic Times podcast (Indian edition), the guest was an Economist called Swaminathan Aiyar, a guy from CATO institute but also associated with World Bank, and he was talking about India's new Budget where he was praising our governments' policies but called them a coward too because according to him, the government should be privatising more and more stuff.
+
+How reliable are these guys?
+I see so many people trying to get people to join their trading group, or buy some book, or even just you tubers trying to make a channel. They claim to have such big wins and make a lot of money, but then why do they need you to give them more? I read a book about trading once that says don’t believe anyone who claims to have any magic trading method,  because if they did they would be retired on a island not bothering you, and that is my initial thought as well. My only guess is a source of passive income, but still if they were doing so well that shouldn’t be necessary. Or possibly they just like the attention? Also there had to be some legit ones, and I’ve seen reviews on certain people, because they wouldn’t continue to make money off people if they didn’t really do well, especially since people can see what they are doing. What’s the deal with this?
+So I’m very interested in the markets and find trading fascinating but my question is why should I waste my time trading when all academic papers & evidence states that index funds beat a very large percentage of active managers and traders? I want to get into trading but this has been holding me back especially if it is time consuming.
+I'm primarily a longer-term position trader, who started trading a few years ago. Through trial and error and learning from others, I've adopted numerous tactics to become more patient and disciplined:
+
+[https://medium.com/@sroehling/10-specific-tactics-to-become-a-more-patient-and-disciplined-trader-721cb9861d11](https://medium.com/@sroehling/10-specific-tactics-to-become-a-more-patient-and-disciplined-trader-721cb9861d11)
+
+To summarize:
+
+1. Avoid using market orders
+2. Use alerts to watch stocks for you
+3. Log out of your trading platform during market hours
+4. Use dedicated accounts for specific strategies
+5. Use a smaller experimental account for learning and strategy development
+6. Favor systems with lots of entry signals
+7. Backtest your strategies
+8. Use smaller position sizes (big one for me)
+9. Use checklists to score trades
+10. Just keep on trading
+
+For me, there's been no "silver bullet" to become more patient. I've had to work on this from multiple angles. I hope others find this information useful. The list above is tailored to my style of trading, but I'd be interested to know if others have some tips, tricks and techniques they've used to become more patient.
+I was using the mt4 app through my t4Trade account and noticed that the forex markets were going crazy and swinging back and forth. I quickly made some trades buying when the trade went really low, and sold when it went back to the top. But it did this for a solid 30 mins. I feel like it’s too good to be true and it was just a glitch. But the 7000 is in my account and I’ve requested a refund. Any ideas if I did this legit?
+I’m a student who wants to learn about stocks and daily trading to get some money that I need for my college tuition.
+I want to learn as fast as I can, and then I will trade in a simulator until I feel comfortable to trade with real money.
+Any suggestions about how to start my journey? Books? YouTube channel maybe?
+Just delved into the market a couple weeks ago, so I’m looking for some helpful advice wherever I can get it. 
+
+Appreciate anyone who takes time out to comment! 
+
+I've been here for years, reading your posts, even though my friends are hardly around any more. I bought at $50 in 2011 on a long gone exchange, and immediately Bitcoin fell to $12. I felt stupid. So in defiance, I promised myself I wouldn't sell until it reached an impossibly high number.  1000x. But $50k came and I couldn't bear to sell. I love this journey too much. And I see now that my crazy goal was way too low. My vision for Bitcoin was too small. 
+Now I need a 10000x return. When that day comes, I want this post here so I can rub it in the faces of the zero-coiners who were here in 2022 and who, even when offered Bitcoin at a huge discount, refused to buy in. You'll never buy. You don't have the vision or stamina to not only acquire Bitcoin, but to keep your Bitcoin.
+Go the fuck away. You make /r/bitcoin suck.
+But please come back the day Bitcoin kisses $500k. I'll have a message for you on that day.
+edit: thank you all for the outpouring of support. I am going to continue with the screening process. Upper-lower class, here I (hopefully) come. 
+
+Like the title states, I was interview and received an offer for a government job making more than I would anywhere else. But a combination of over-extending myself financially and the pandemic shitting on me has me in financial ruin. There is no way I would pass a credit check to obtain security clearance. My husband thinks I should try anyway, but I don't want to open myself up to that level of humiliation and rejection.
+
+I get it, but at the same time, fuck.
+Hi everyone,
+
+
+The other day in the post "Italian News Article Tells of Incoming US Market Chaos" fellow Ape u/Nixin83 posted a very interesting article that has unfortunately gone unnoticed; we thought was worth bringing it to the attention of everyone so we could have a look at it.
+
+
+To give you an overview, it talks about how we might be heading towards a new market crash, GME, the signals from the Hedge Funds, liquidity and cryptocurrency.
+
+The interesting part that sets it apart from many articles we often read, is how they acknowledge the Squeeze is still an ongoing matter that could actually fire in the next months and why according to them.
+
+
+I translated it by hand as the original piece is in Italian and didn't want to risk losing anything in translation; looking forward to hear your thoughts, here it is:
+
+
+https://www.futurimagazine.it/wp-content/uploads/2021/04/effetto-domino-crisi-finanziaria-1200x653.jpg
+
+13th April 2021
+
+#Are we on the verge of a new financial crisis? The GameStop case, the signals of Hedge Funds and the rise of cryptocurrencies
+
+by Nicola Sindaco
+
+
+##Is there a link between the GameStop case, the surge in cryptocurrency prices (primarily Bitcoin), and the recent bankruptcy of the American fund Archegos? The overexposure of financial players, made possible by the quantitative easing policies of central banks in the Covid era, and the lowering of the level of credit risk, in a context of increasing deregulation and non-regulation of the Shadow Banking sector, is increasingly attracting financial actors with a high propensity to risk, with the imminent risk of triggering a new, devastating financial crisis.
+
+
+#The roots of the last crisis (and the next one?): deregulation and non-regulation
+
+
+The financialization of the world economy promoted by American President Bill Clinton with the signing of the Gramm-Leach-Bliley Act in November 1999, which went down in history with the journalistic epithet deregulation, turns out to be the key to shedding light on the origin of latest recent global financial crisis. The deregulation repealed the Glass-Steagall Act which previously prohibited so-called BanCorp (bank holding companies) from controlling other financial institutions, marking a boundary between commercial, investment banks, Hedge Funds, other investment funds and insurance institutions, and standardizing made the enlarged banking and financial system under a single risk model.
+
+
+Previously, slackening tendencies had already been in place since 1997 with the decision of the then President of the Federal Reserve (FED) Alan Greenspan to keep the derivatives market and Shadow Banking completely deregulated (i.e. the sector of investment funds and large financial institutions that act as banks without being de facto). In addition, the relaxation of the equity rule approved in April 2004 by the U.S. Securities and Exchange Commission (SEC), repealing the text of the same 1975 law, allowed large financial institutions (with capital exceeding 5 billion dollars) to simply submit their exemption file to the SEC in order to decide autonomously its own net capital, or rather its net liquidity buffer to be used as a guarantee of solvency of the investment portfolio.
+
+
+The non-regulation of Shadow Banking and the deregulation of the global financial system meant that speculative instruments such as Credit Default Swaps (CDS) could be used as balances (_hedge_) against credit risk without the parties involved having anything to do with the stipulation of the original credit / debt contract and therefore without necessarily having to own the debt instrument (share, bond or derivative). As a result, the volume of CDS increased a hundredfold in the decade 1998-2008 and the trend had already been noticed in 2003 by the famous investor Warren Buffett, the Oracle of Omaha, leading him to define the derivatives "financial weapons of mass destruction".
+
+
+The financial crisis rooted in the aforementioned legislative choices then found fertile ground in the creative work of BanCorps, in particular in the form of subprime mortgages and derivatives such as _Collateralized Default Obligations_ (CDO) and the aforementioned Credit Default Swaps. The swelling of the American real estate bubble, the easy access to credit for banking institutions and their customers, added to the attitudes that can be placed in the grey of the law and the fraudulent attitudes of the actors involved, led the entire system to experience peaks of financial euphoria. results in overleveraging (excessive exposure to the risk of default) and subsequently in the collapse of the entire house of cards.
+
+
+If deregulation has acted as a systemic catalyst, the American real estate bubble can be seen as the spark and overleveraging should be understood as an amplifier of the spread of the fire. The domino effect was such as to lead to the collapse of the American economy first and then the world one within 18 months (from the first bankruptcy due to subprime in April 2007 to the collapse of Lehman Brothers and Bear Sterns in 2008), recording in the first quarter of 2009 a violent decline of the major world stock exchanges equal to 9.8% for the Eurozone, with peaks of 14.4% in Germany, 15.2% in Japan and 21.5% in Mexico.
+
+
+The decade 2010-2020 then subsequently experienced the aftermath of the global financial crisis, seeing the European debt crisis worsening (2009-2012), preceded by the collapse of entire national financial systems such as the Icelandic one and real defaults such as the Greek one, as well as register an unemployment rate of 10%.
+
+
+#Between creative finance and expansive monetary policies
+
+
+The new decade did not start in the best way for the planet, and not only from an economic-financial point of view. The advent of Covid-19 has forced governments to apply extreme measures to a total national lock-down in an attempt to contain the pandemic expansion. In March 2020, the markets responded to the Covid factor with a vertical decline very similar to that recorded eleven years earlier due to the financial crisis, but the important _Quantitative Easing_ measures implemented by the major global economic powers meant that the markets restarted quickly. and reached the highest peaks ever reached in the first quarter of 2021.
+
+
+Despite the apparent recovery, some values ​​are altered and the impact of these alterations does not seem to have yet been quantified at a macro-economic level, although it is not known to date whether the problem has been faced behind closed doors in the halls of power. of the world economy and finance. All that remains is to ask questions and try to suggest answers pending further data, details and official confirmations.
+
+
+Since the beginning of the pandemic, governments around the world have been preparing to launch aggressively expansionist policies to cauterize the wound suddenly opened by Covid-19; but at what price? Although journalistically and morally evaluated as a commendable effort, the constant stimulus packages directly paid by the States into the pockets of citizens, the transversal injections of capital that have made the entire economic-financial fabric more liquid (from private companies to credit institutions) and the relaxation of lending and repayment policies have exponentially increased the working capital, leading to fears of the advent of hyper-inflationary waves, as well as increasing the systemic risk in relation to credit exposure.
+
+
+In reality, inflationary peaks have not occurred, especially in consideration of the fact that generally these are recorded in situations where there is a convergence of three factors:
+
+* excess liquidity;
+* full employment;
+* high speed of circulation.
+
+The pandemic has practically acted as a barrier to inflation, preventing the fulfilment of points 2 and 3 just listed. At the same time, the surge in stock markets after the collapse of March 2020 is to be considered financed more by these liquidity injections into the world economy than directly proportional to the growth of gross world product.
+
+
+#The Bitcoin boom and the new digital asset economy
+
+
+A good idea on the subject is provided by the surge in the prices of cryptocurrencies as an asset class, obviously headed by Bitcoin. A necessary digression is needed to give context. Ten years after its appearance, Bitcoin appears to be the asset with the best performance, that is, with the best economic return (ROI) in the world. To give an example, HowMuch.net (financial education site) calculated that 100 $ invested at the beginning of 2009 in today's best multinationals (such as Amazon, Apple, Microsoft, Facebook) would have produced the following results:
+
+* Facebook 520 $ = + 420%
+* Microsoft $ 1,000 = + 899%
+* Apple 2.400 $ = + 2.345%
+* Amazon $ 3,300 = + 3.156%
+
+In the same period (January 2009 - December 2019), $ 100 invested in Bitcoin would have recorded the following growth:
+
+* Bitcoin $ 9,200,000 = 9,150,088%
+
+Obviously, the number is calculated on the values ​​of December 2019, when 1 Bitcoin was available for purchase for $ 7,500. Today, in April 2021, 1 Bitcoin is equivalent to approximately $ 57,500, a further + 750% compared to the above figure of $9.2M. Without wishing to go into the merits of the use-case of Bitcoin and the innovative concept of blockchain, the Bitcoin case serves the purpose of demonstrating how the surge in prices in the last twelve months or so is dictated by the excess of new printed currency.
+
+
+Intrinsic features of Bitcoin are network security (non-hackability of the system), scarcity (there is a finite number of Bitcoins and once in circulation no more can be produced) and the democratized supply system. These characteristics, [read through the lens provided by "Metcalfe's law"]([https://dcresearch.medium.com/metcalfes-law-and-bitcoin-s-value-2b99c7efd1fa](https://dcresearch.medium.com/metcalfes-law-and-bitcoin-s-value-2b99c7efd1fa) have allowed many economists and mathematicians to make really ambitious predictions for the price of Bitcoin in the future. Originally presented in 1980 by Robert Metcalfe to describe the impact of telephony in an exponentially proportional manner to the increase of telephones in society (_compatible communicating devices_, the theory was later refined by George Gilder in 1993 and applied to Ethernet. In its basic form, the law states that the value of the telecommunications network is proportional to the square of the number of users connected to the system (n²), where n equals the number of nodes.
+
+https://www.futurimagazine.it/wp-content/uploads/2021/04/sindaco1.jpg
+
+To put it simply, the value of a network is proportional to the number of participants in the network squared. This law applies to the growth of Bitcoin to perfection, showing perfect correlation between the increase in the number of Bitcoin addresses (wallet addresses) and the increase in the price.
+
+https://www.futurimagazine.it/wp-content/uploads/2021/04/sindaco2-1024x633.jpg
+
+This correlation has led to multiple projections and forecasts, the most famous of which is that of PlanB (where B stands for Bitcoin), a Dutch institutional investor with an academic background in quantitative law and finance, which through its Stock-To-Flow Model (S2F) elaborated and published in March 2019 had predicted a value of $ 55,000 for Bitcoin by 2021, or a market capitalization of $ 1 trillion (at the time of the forecast, Bitcoin was valued at $ 4,000 and in its ten-year history it had reached $ 20,000 per coin just once, at the peak of December 2017).
+
+
+Bitcoin was designed by Satoshi Nakamoto in the famous white paper of October 31, 2008 and the first Bitcoin was mined on January 3, 2009 and its open source code was made accessible to the world on January 8, 2009; as described and envisaged in the white paper, Bitcoin not only has a predefined maximum quantity - Hard Cap - but is "mined" block by block, Proof-of-Work after Proof-of-Work (PoW), through mining ("extraction "). Every 210,000 blocks - approximately every four years - the amount of "mineable" Bitcoin halves in a process known as halving.
+
+
+The PlanB model tracks the past, present and future value of Bitcoin in correlation with increasing scarcity:
+
+* Stock = is the quantity of existing product/currency/commodity (in this case of Bitcoin);
+* Flow = is the annual production of the asset in question;
+
+The following tab will serve as an example:
+
+https://www.futurimagazine.it/wp-content/uploads/2021/04/sindaco3.jpg
+
+Gold records a stock-to-flow (SF) of 62, implying that it would take 62 years of production to reach the quantity of product existing today; for silver it takes 22 years and this makes both assets excellent reserves of monetary value.
+
+In the following graph, the regression line drawn to better plot the entered data confirms the impression that one has with the naked eye: a statistically significant relationship between SF and market value (note that the model is based on production halving - _Halving_- as shown on the right and the value is calculated on a logarithmic scale as shown on the left - covering 8 orders of magnitude).
+
+It turns out to be quite interesting that gold and silver, while being completely different markets, are in line with the values ​​of the Bitcoin model regarding the SF.
+
+https://www.futurimagazine.it/wp-content/uploads/2021/04/sindaco4.jpg
+
+The then visionary forecast was then followed by another equally "reckless" one, which estimated the market capitalization of Bitcoin at around 5.5 trillion dollars, or $ 288,000 per coin before the advent of the next Halving (April 19, 2024).
+
+https://www.futurimagazine.it/wp-content/uploads/2021/04/sindaco5.jpg
+
+To date, Bitcoin seems to follow PlanB's S2F Model to the letter.
+
+https://www.futurimagazine.it/wp-content/uploads/2021/04/sindaco6.jpg
+
+In fact, the speed with which Bitcoin reached the value of $ 55,000 ($ 1 trillion Market Cap) was found to be excessive according to many analysts and led to the conclusion that the value of Bitcoin and the stock market in general are extremely inflated, this is precisely because of the recent capital injections by governments around the world.
+
+According to a survey by Mizuho Securities on March 15, 40 billion dollars of the 380 ready to be injected into the American economy will be allocated for investments and two out of five people (40%) said they would prefer to bet on Bitcoin rather than invest in traditional assets.
+
+https://www.futurimagazine.it/wp-content/uploads/2021/04/sindaco7.jpg
+
+
+#A new crisis on the horizon
+
+
+The liquidity injection recorded in the last twelve months in the United States alone has seen the amount of dollars in circulation (2 trillion) increase by an incredible 40%, accelerating the devaluation of the currency. This devaluation may not be immediately recognizable in the real economy, as the lock-down measures have significantly slowed down the speed of circulation and the pandemic has generally aggravated the unemployment rate; but the symptoms are definitely noticeable in the financial market, with the peaks recorded by all the assets in circulation: commodities, cryptocurrencies, stocks, bonds.
+
+
+How are these signs indicators of a possible dire future? The thesis we support is that of the overvaluation of all markets, deriving from the over-exposure of financial actors (_overleveraging_) a situation made possible by the policies of quantitative easing, injections of currency at zero interest by central banks (FED in primis) and the lowering of the level of credit risk (i.e. an easier access to credit for large financial institutions in order to “Pumping” liquidity into the economy across the board). These circumstances, added to the deregulation and non-regulation of the Shadow Banking sector, have attracted more and more financial players with a high propensity to risk, as their success is calculated purely quantitatively following the "Two and Twenty" law:
+
+
+* 2% of the managed capital (_Asset Under Management_) is the commission received regardless of the results;
+* 20% of profits is the commission received upon completion of a successful transaction.
+
+This rule, juxtaposed with the very nature of Hedge Funds, ie their being "resource aggregators" (coming from the fund's investors / financiers) and mere "managers" of the latter, together with the lewd climate from a legislative and expansive point of view, as well as from a monetary point of view, they are triggering a credit overexposure mechanism that could risk a real _systemic failure_ if you do not act in time.
+
+Hedge Funds are high risk / return vehicles of speculation and operate with short-term maneuvers in order to maximize the return; among the strategies most used by these funds is _levering_, debt-based investment and short-selling. The expansionism recorded in the last decade of monetary policies, the extreme _quantitative easing_ of the last twelve months to cope with the pandemic crisis, added to the zero interest rate policy by central banks, have created a liquidity tsunami that has led to a very risky relaxation of the credit sector. It should be noted that the institutional financial system is the de facto lung of a country's finance and economy. The zero interest decided by the hyper-expansionary monetary policies poured liquidity into the financial and credit sector starting from the credit institutions, then expanding like wildfire towards insurance institutions, pension funds, Hedge Funds and, due to the (_trickle- down effect_), flooded the financial market and the world stock exchanges.
+
+The mechanism is quite elementary: credit institutions are incentivized to accumulate interest-free liquidity from central banks; the operators, or the bankers, earn commissions, that is a percentage of the money lent, therefore they are incentivized to give loans; and the greater flows of credit capital are required by investment funds, which in turn use the available capital to obtain deeper lines of credit and at the same time earn 2% of the assets managed (resulting in an extremely incentive to credit exposure) . Obviously, all these institutions use insurance institutions to protect their operations in the event of a default / bankruptcy of one of the creditors, and these institutions in turn tend to mitigate their default risk through debt collateralisation and Credit Default Swaps.
+
+It goes without saying that as long as the market wind blows in the direction of the big investors, profits are calculated in billions of dollars and the system thrives; the problem begins to arise when the market becomes almost impracticable even for these subjects despite being highly specialized, equipped and financed.
+
+#The GameStop case: Hedge Fund vs. Wall Street Bets
+
+When at the end of January 2021 the GME title of the video game retail chain GameStop reached $ 483 in value on the New York Stock Exchange (NYSE), the world did not notice and few knew the story behind the surge. the price; even today, very few know what is happening and it is our intention to shed light on one of the potentially most important events in the financial history of the last ten years and which could perhaps mark the future of the economy and finance by forcing the American legislator (and many others to follow) to change the rules of the game.
+
+A dutiful preamble: the GameStop company has been living its third age for years and its business model based on stores and sales of consoles and video games is going in the same terminal direction as that of a giant of the past that has failed today: Blockbuster. GME stock has for years mirrored what Wall Street thought of its archaic business model: the tendency to bankruptcy. The value of the stock has performed in a range between 4-5 dollars for years with no movements whatsoever, almost waiting for the coup de grace. Even before the pandemic, many financial players (in particular Hedge Funds) took advantage of the weakness and corporate immobility to speculate on the failure and consequential de-listing of the stock from the stock exchange. This speculation took place in the form of short selling: this is a common practice in finance, which is equivalent to a bet "against" the performance of a company, or by making the investor gain the more the company is in bankruptcy.
+
+In April 2020, when the panic generated by the lock-down measures hit the world stock exchanges, the stock collapsed to an all-time low to touch $ 2.60 and indirectly confirming to investors that they had aimed against the company's survival. that their assumptions were well founded, incentivizing them to double their shorting positions assuming that the lock-down would deliver the final coup de grace. Meanwhile, other investors around the world have assessed the company's future differently, in conjunction with the fact that the new consoles are still producing slots for reading CDs and DVDs and therefore total digitization seems to be still far away, as far as the horizon is concerned. Investors such as Michael Burry (CEO of Scion Asset Management and the first ever to predict the American real estate bubble) and Ryan Cohen (CEO and founder of Chewy, the world's leading e-commerce company in the sale of pet products) have read great potential in the company and certainly in the GME stock, considering it undervalued.
+
+Their considerations throughout 2020 were then adopted by some small investors (retail investors) headed by the Youtuber "RoaringKitty", known on the Reddit platform under the pseudonym of u/ DeepF — ingValue, born Keith Patrick Gill. By the end of 2020, Cohen had bought 13% of the company's stock while the stock had risen from $ 2.60 to around $ 20. The situation was hot for many Hedge Funds, who found themselves overexposed in their shorting strategy against a stock that had seen its value multiply 7.7 times its lowest price (far from bankruptcy!). Meanwhile, the r/WallStreetBets subreddit, on which Gill continued to post his analyzes, comments and evidence of his investments, had adopted the title in a sort of protest against finance, like an Occupy Wall Street 2.0.
+
+This protest, combined with genuine consideration of the potential of the GME stock and the GameStop company to transform with Cohen's entry into the board of directors, has resulted in a bulk purchase of the stock on every online trading platform accessible to the small investor. The stock jumped from $ 20 to $ 483 in just a few days, reducing some Hedge Funds almost to the streets, the most affected of which was undoubtedly Melvin Capital (to which the Citadel Securities fund with 2.75 billion dollars had to come to the rescue. and Point72 with 750 million bailouts). The surge triggered a sudden Short Squeeze, or the rush to buy back shares by those actors who had bet on the fall to contain the losses resulting from the surge; buyback that combined with the pressure of the surge itself tends to exacerbate the volume of purchases by inflating the value of the shares in question: the catalyst was the discovery by the "people of Reddit" that the shares subject to shorting were more than 100% of the number of existing official shares, implying that the shorters were applying the technique of Naked Short Selling (the practice of selling "shares short", or the sale of a security without having possession of it, not receiving it on loan or even making sure that this loan possibly possible) and "producing" "synthetic", "derivative" actions and placing oneself in the condition of being subject to squeeze.
+
+In the following weeks, the stock fell in what initially appeared to be the deflation of the bubble, or the natural _post-squeeze_ regression of a stock towards its real market value (as happened in 2008 for Volkswagen stock). In fact, due to the non-regulation of Hedge Funds and the fact that short positions are not subject to quarterly disclosure to the SEC, the small investors who meet in droves daily on Reddit and discuss the topic have continued (and continue to date) to speculate and argue that the squeeze has not yet occurred and the fall in the share price is only the result of market manipulation. In January, the value of the stock was held back by the work of the actors most at risk, namely Hedge Funds and online trading platforms. During the hectic stages of the takeover, small investors were cut off from buying shares and found the purchase functionality blocked on their trading apps (the shares could only be sold). Platforms such as Robinhood have been accused of collusion with big funds by small investors who flooded Twitter, Reddit (r/WallStreetBets; r/Gamestop ; r/Superstonk) and the message boards of the same trading platforms with messages of revenge and threats of class action.
+
+
+The chaos generated by the deflation of the stock, which reached $ 38.50 in February, combined with heavy accusations of collusion and financial manipulation, forced the American Congress to request a [hearing on the matter](https://www.nytimes.com/2021/03/17/business/gamestop-hearing.html?) in which all the actors in question were called to testify, including Youtuber “Roaring Kitty” Gill. Starting from the hearing, the stock has regained ground and between the end of February and the beginning of March it touched up the $ 350 in a tight growth without hint of a slowdown (a symptom that the squeeze is still in progress), so much so as to force operators on the other part of the market (the shorters) to use whatever means at their disposal to stop the price surge (_ladder attacks, naked short selling, married puts, synthetic longs, discardable deep in the money calls, dark pools_, etc. are all tactics existing that it is only possible to speculate have been implemented as they are of dubious legality and there is no certain evidence of their use). The stock's value plummeted again in late March to $ 120 and at the time of this analysis it is hovering between $ 140-160.
+
+The question that arises spontaneously is whether and in what way this saga can be relevant for a broader macro-economic discourse. The stock has now stopped moving in parallel with the company and the extremely positive news that is perceived of an imminent transformation (starting with the appointment of the new board of directors). Today the stock seems at the mercy of far more powerful forces, even higher than the power of Hedge Funds who would like to see it collapse completely. The forces in question represent the real tip of the balance in an attempt to prevent the dreaded systemic failure. The work of these forces would also coincide with the most important and violent interference of the American legislator in the affairs of the free market while these are still in progress, with all due respect to the "invisible hand" of Adam Smith.
+
+#Change of course or change of the rules of the game?
+
+At the top of the American market sits an independent government agency completely disconnected from the traditional executive, acting under the aegis of special statutes and accountable for its work in Congress, which can request ad hoc hearings and appoints the top. The agency in question is the SEC, established in the 1930s following the Collapse of '29 and the subsequent Great Depression. The work of the SEC is supported at system level (not by statute) by the Depository Trust & Clearing Corporation (DTCC), a private company that provides clearing and settlement services to the financial market, or which acts as an arbiter of all transactions financial statements so that these are respected and all the suspended ones are covered up to the point of establishing themselves as the "ultimate guarantor" in order to ensure compliance with each transaction. Established in 1999 with the function of integrating the work of the Depository Trust Company (DTC) and the National Securities Clearing Corporation (NSCC), DTCC is now ranked among the top 500 companies in the world by Fortune magazine.
+
+These entities have repeatedly found themselves embroiled in thorny litigation, receiving heavy accusations from small listed companies and legal offices for having constantly closed their eyes to the work of Hedge Funds in the field of _Naked Short Selling_. To the harsh criticism, the DTCC has always responded that the problem was not so extensive as to warrant regulation and, while the SEC acknowledges the existence of the problem, it has in turn always supported the DTCC in case of legal proceedings.
+
+The GameStop case is changing the rules of the game en passant, or at least causing this change of course. Since the request for a hearing by Congress, the SEC and the DTCC have had multiple meetings behind closed doors to address the problem and find a solution that reduces the systemic risk of default. To date, the DTCC has produced important legislative changes to the procedures in place, with particular attention to the issues of _failure to deliver_ (FTD, i.e. the impossibility of repaying a debt, honouring a contract or returning a previously loaned security) and Naked Short Selling. As can be seen from the following graph on the [SEC website](https://sec.report/fails.php?tc=GME), the FTD against the GME stock is now standard and, as later documented by Bloomberg in a [spicy article on the subject](https://www.bloomberg.com/news/articles/2021-02-17/sec-data-show-359-million-of-gamestop-shares-failed-to-deliver), over 358 million dollars in shares in January 2021 were not returned resulting in FTD.
+
+https://www.futurimagazine.it/wp-content/uploads/2021/04/sindaco8.jpg
+
+Clearly, [fines are foreseen if FTD is incurred](https://www.lawinsider.com/clause/penalty-for-failure-to-deliver-common-stock), but by now it seems that Hedge Funds prefer to incorporate the latter as a "management cost" to stay in business rather than worrying about acting according to the law and avoiding the infringement: the reward, obviously , is exponentially more attractive than any fine to be paid. To this distortion, the DTCC responded last March with a [plan]([https://www.finextra.com/pressarticle/86649/dtcc-proposes-three-point-plan-for-derivatives-trade-reporting-data-harmonisation) for the harmonization of data communication concerning derivatives and numerous [new rules](https://www.dtcc.com/legal/sec-rule-filings) are awaiting implementation that tighten the circle around the derivatives sector and the work of the most reckless. financial actors.
+
+These new rules seem to demonstrate that the DTCC is clearly aware of the distortions initially considered "irrelevant" or "little branched" in the system; moreover, since DTCC is a private company, it knows very well that it is the ultimate guarantor of all financial transactions on the American market; ergo knows very well that in the event of a short squeeze and possible bankruptcy of large financial actors, a nefarious domino effect would be triggered which would lead to a series of insurance liquidations and margin calls (i.e. the forced liquidation of the entire investment portfolio of a debtor to ensure that the creditor can recover the capital lent totally or partially) as happened to the Lehman Brothers bank and to the AIG insurance company in 2008, which in the event of default would see the DTCC forced to stand as the last "debtor" towards the market (since precisely the ultimate guarantor).
+
+#The Archegos case: has the domino effect already begun?
+
+Awareness of the excessive systemic risk caused by the overexposure of large financial players is convincing the DTCC and SEC to work together to ensure that from a legislative point of view they are not ultimately footing the bill for what could be the largest party. expensive in the history of American and world finance. But time is running out.
+
+The recent bankruptcy of the American fund Archegos Capital Management has exposed the risks of the investment banking and shadow banking sector. When Archegos found himself unable to respond to margin call requests from his creditors at the end of the first quarter, all he had to do was declare bankruptcy. Where does the international media apprehension about the affair derive from? From the fact that Archegos has recorded the largest loss by a single company or fund since the days of Lehman Brothers: 20 billion dollars in two days. [Operators such as Credit Suisse]([https://www.bloomberg.com/news/articles/2021-04-08/credit-suisse-tightens-hedge-fund-limits-amid-archegos-fallout](https://www.bloomberg.com/news/articles/2021-04-08/credit-suisse-tightens-hedge-fund-limits-amid-archegos-fallout) and Nomura, overexposed in the granting of loans to Archegos, had to record exorbitant losses at the end of the first quarter and suffered a further double blow with the loss of ground on the stock exchange of their respective stocks (11% and 14%) and with the loss of important capital by other large investors who preferred to migrate their liquidity to safer and less stormy shores (in the most classic of panic runs).
+
+What is worrying is not only the colossal loss generated by the Archegos bankruptcy, the turmoil caused in the market by the forced sale of the shares held by Archegos and used as collateral payment to creditors, and the concatenating losses of investment banks such as Credit Suisse and Nomura; what worries further is that a fund sponsored by the major Wall Street and international brokers (GoldmanSachs, JPMorgan, Nomura and Credit Suisse) was almost non-existent in the SEC's EDGAR database (_Electronic Data Gathering, Analysis and Retrieval_), or the inherent data collection public disclosure of financial transactions. The DTCC and SEC are hard at work trying to change the rules of the game in an attempt to protect the system (and themselves) from the excessive risks that the Archegos case has laid bare.
+
+#Conclusions: The Game Stops?
+
+On the one hand we have the frenzied race against time of the institutions to change the legislative fabric so that the system is more protected and can better absorb bankruptcies of the size of the Archegos fund should they unexpectedly reappear (and given the low propensity to disclose information, it is expected that such bankruptcies continue to occur "without notice"); on the other hand we have the GameStop case which shows no signs of deflating and still seems to be positioned for a [_violent Short Squeeze_]([https://finance.yahoo.com/news/we-should-see-the-gme-short-squeeze-continuing-s-3-partners-174542296.html](https://finance.yahoo.com/news/we-should-see-the-gme-short-squeeze-continuing-s-3-partners-174542296.html) (the Melvin Capital fund declared losses equal to 49% of its capital at the end of the first quarter).
+
+The next two months will be among the hottest ever for the stock, all investors (on both sides of the market) and supervisory agencies. What is most worrying at the moment is the possible result of an uncontrolled squeeze, a scenario that we hope the institutions are considering in order to create a legislative structure around it that can support the pressure and defuse the risk of a systemic crisis. It goes without saying that the investors who back GameStop and aim for the squeeze (because they are fans of the company, because they are mere speculators, or because of a desire for revenge against Wall Street) are looking forward to seeing the stock fly on the stock market and see it fail and declare bankruptcy. Hedge Funds that bet against them. However romantic the happy ending of David defeating the financial Goliath of our times is, it is important to understand the repercussions of a possible fall of these funds on the global financial fabric and how to organize the chessboard so that the system comes out unscathed whatever it is. the outcome of the dispute.
+
+What DTCC and SEC are trying to understand is how to stem a 2008 crisis-style domino effect, where a hedge fund's margin call could result not only in its bankruptcy but in an excessive loss of capital for its creditors as well (banks of investment) and the insurance institutions that act as guarantors of the operations. And given the risk balancing practice that sees banks exchanging Credit Default Swaps and insurance companies do the same, these "protective" practices against a possible collapse of one of the parties would act as a true link and common thread that could trigger the downfall of all. the domino pieces. More margin calls, more bankruptcies of funds, credit institutions and insurance companies would trigger a financial crisis greater in size than those of the subprime (2008), the Nasdaq(2000) and the Great Depression (1929) with the financial panic that would ensue, branching off in a widespread manner and seriously affecting all sectors of the economy, including households and savings. We would see the fastest collapse in the history of financial indices given the large number of existing online trading platforms; assets considered as a store of value such as gold, silver, Bitcoin and cryptocurrencies would generally experience unprecedented exponential growth (also placing these markets at bubble risk, but that's another topic). The short squeeze of GME stock could be the catalyst of the crisis and DTCC and SEC are extremely aware of the situation.
+
+Creating a legislative structure around the squeeze is the only conceivable solution at the moment, considering that the company's official shares are about 70 million and that the total number in the market is much higher (although not officially quantifiable) in the form of synthetic shares (final product of the practice of Naked Short Selling), making the squeeze difficult to avoid. And time is running out, as GameStop has announced its annual shareholders' meeting for June 9th and the recount of the shares will start from the sixtieth day before the meeting, and the feeling is that starting from this date there will be a sort of curfew and all overdrafts must be covered and the shares re-entered for the counting officer.
+
+Archegos served as an alarm bell for the system to wake up and act to protect itself; GameStop is adding momentum for this to happen quickly. As outside observers, we are confident that the agencies involved will be able to untie the Gordian knot and ensure the security of the system. Our conviction derives from the awareness that these agencies are extremely resilient and when their very survival is put at risk they pull out their claws and there is no outside interest that cares: only their survival counts; luckily, their survival to date is directly linked to ours and that of the global financial system.
+
+Edit: formatting.
+
+[Link to original](https://www.futurimagazine.it/scenari/siamo-sullorlo-di-una-nuova-crisi-finanziaria-il-caso-gamestop-i-segnali-degli-hedge-funds-e-lascesa-delle-criptovalute/)
+
+Thanks for the awards! 💎🙌
+
+TL;DR: Bitcoin and stock market are inflated, liquidity problems, possible crash connected to GME.
+By now we all should know that in Jan, Feb, and March of this year, Ryan Cohen bought 9.8% of BBBY's shares + a bunch of options and then sent the board another strongly worded letter.
+
+This already is kind of strange to me. Does Ryan Cohen really think Bed, Bath, and Beyond is a prime investment opportunity? Is he trying to transform BBBY in the same way he is transforming GameStop?
+
+I would say hell no to both. Cohen is clearly thinking 10 steps ahead of the industry. The revolution of GameStop is clearly something that he thought of a long time ago, and something that required (and still requires) the collaboration of multiple large companies to be able to successfully launch an NFT marketplace and to do whatever else they are planning.
+
+So why did Cohen buy these shares? And more importantly, why did he pick options with strikes as high as $60 up to $80 a share, with expirations a year out?
+
+Here's one important thing that I haven't seen anyone talk about: Options cannot be bought or sold in pre-market trading (except for SPY, I believe, and a few other exceptions). Although Cohen's options would have been highly profitable with the huge volatility of the stock in pre-market, he would not have been able to sell them. And since regular hours was nothing but downhill movement, I am highly confident that Cohen still holds these options.
+
+The options have expirations in January 2023. Now, we know that per ImmutableX's contract with GameStop, that they are certainly launching ImmutableX's gaming NFT marketplace before the end of 2022, since GameStop certainly does not want to pay out that $25M, or however large the penalty would be. So if Cohen knows the marketplaces are rolling out before 2023, the expiration dates make sense right?
+
+WRONG. Why would Ryan Cohen buy options now when he SHOULD know that theta decay would make these options less and less profitable as time went on? It would make much more sense to buy the options much closer to the 'event horizon'... whatever reason Cohen believes that BBBY will reach these values.
+
+Does Cohen believe that BBBY will triple in value within this year alone on fundamentals? Well, maybe, BBBY is very undervalued just GME was at the start of 2021. They took in $9B last year, and with a similar amount of outstanding shares as GME, their market cap at this price is just $2.16B... that's a P/S ratio less than 1.
+
+So there's reason for BBBY to go up, but will it? Ryan Cohen thinks so. Now, going back to the options, it would make far more sense for Cohen to buy options when it is closer to the time that he believes the stock will take off. He could have bought BBBY all last year. But he waited to buy options NOW. 2/28 and 3/1 to be exact.
+
+Now, when talking about these billionaires who are almost always much more in the know than we are, they have to be careful of something that we often do not have to be careful of: market manipulation. I do believe that Cohen has to be careful in how he invests in the market with his large amount of money. There's a reason that billionaries don't buy weeklies before announcing or buying certain stocks or derivatives. They'd get crushed by the SEC, who is somehow much more active when it comes to protecting their hedge fund and bank friends than retail investors and whales. Perhaps Cohen picked options with expirations a year out to not be accused of market manipulation.
+
+I personally think the BBBY letter, while reasonable sounding, is BS. I think it is purely cover to show that Cohen is interested in the fundamentals of the company, when this investment is really a technical play. To get BBBY to $60 or $70 a share requires to break through the same short walls that are preventing GME from running up. Cohen obviously can't buy options on his own stock, so he does the next best thing: Buy options in the next highly shorted stock. He can make bank on the short-squeeze while being protected from being accused of market manipulation.
+
+If you have been around awhile, you probably are aware of portfolio swaps, the derivative that is related to all the different 'meme' stocks and how they all follow similar trading patterns. SHFs and MSM and their cronies really don't want the public to understand these derivatives and how they work. Now, I don't believe that they are illegal, but is it possible that Cohen knows that these derivatives are not public enough for him to be accused of market manipulation if BBBY squeezes? Hmm, I'm not sure. But it appears that he believes that he can target a stock that is within the basket of stocks that are shorted together in tandem.
+
+Conclusion: Cohen's purchase of options and the strike prices they are at indicate that Cohen believes that BBBY is going to hit those strikes soon. With GME being tied to BBBY through portfolio swaps, he knows that GME squeezing will squeeze BBBY and other meme stocks as well. Cohen chose to purchase these options now, rather than later, which makes it far more likely that he believes that BBBY will squeeze sooner rather than later, due to theta decay. Cohen may just be using the malicious use of portfolio swaps against SHFs to make another few billion when Cohen launches GME's marketplaces and whatever else they are launching this year
+***Disclaimer: For new apes, WAY more than 20% of the float is shorted. We likely own multiple floats alone on this subreddit. I reference it because the articles do, but this number has been paraded to us and lied about constantly. It's self-reported and fictional. The media is going to use it to try and trick us, yet again (because it worked SO well the first 5 times). Do not fall for it.***
+
+Since we all pretty much expect it at this point, I decided to read through some of the FUD to see what they're saying before I came across this article:
+
+[https://www.cnbc.com/2021/05/26/jim-cramer-investors-who-are-short-gamestop-amc-are-out-of-their-mind.html](https://www.cnbc.com/2021/05/26/jim-cramer-investors-who-are-short-gamestop-amc-are-out-of-their-mind.html)
+
+>Both GameStop and AMC have over 20% of their float shares sold short, according to data from S3 Partners. That’s compared with an average of 5% short interest in a typical U.S. stock.
+
+Several of the other articles from the normal FUD sources are also referencing a 20% short interest. They're even trying to make it sound appealing it by stating the average of 5%.
+
+I think they're going to let the price rise up a bit and then try to crash it back down one last time and say that \~11 million shares, or the entire "short interest", has been closed. They're already throwing out numbers such as 1 million shorts covered, which we know is bullshit anyway.
+
+From the [reuters article today](https://www.reuters.com/technology/gamestop-amc-extend-rallies-gouging-short-sellers-2021-05-26/):
+
+>Around **958,000 shares** of GameStop, worth $201 million, were bought to cover short sales over the last week, S3 data showed. Roughly 11.55 million shares of GameStop, or **20.3% of its float**, are currently sold short, Dusaniwsky said.
+
+Per the edit below, S3 partners is owned by Citadel, the very people shorting the stock. Expect to see a lot more estimates of "shorts covered" and "percentage of float" according to random bullshit shill data scientists. When those numbers intersect, the media will declare it over. It won't be.
+
+You know what to do: Buy. Hold. Vote. Watch videos of guys putting bananas in their asses.
+
+🚀🚀🚀🚀🚀🚀🚀🚀🚀🚀
+
+**Edit: S3 PARTNERS IS OWNED BY CITADEL!!!!** The very people who are making these "estimates' are the ones that are shorting the stock! Thank you /u/Dragon747 for that nice note, I didn't even know that.
+u/gamestop \#GME
+
+​
+
+Morning Silverbacks, Gorillas, Spider Monkeys, Lurkers, and all Apes!
+
+I'm a lifelong customer of Gamestop.   During my daily morning perusal of new shit to buy...I found some interesting info.  (Proof I buy way too much shit at Gamestop below.)
+
+​
+
+https://preview.redd.it/2ofmpnim1rr61.png?width=480&format=png&auto=webp&s=b529e36817463e4b1717086efb19369efbd027ad
+
+​
+
+Gamestop is now carrying 5 new HUGE product lines.  The best part?  There are people that have reviews on them already.  What does this mean?  People have already bought and reviewed them AT Gamestop!  NEW PRODUCTS AND NEW SALES FOR THIS QUARTER!!!!!!
+
+Arcade1up Machines
+
+​
+
+https://preview.redd.it/xx4f4o4u0rr61.png?width=1253&format=png&auto=webp&s=22682e54730053f48a98c9d92309f19ee04ac7b2
+
+Nanoleaf Lighting for gamer rooms (the cool lighting setups you see during #Twitch streams!)
+
+​
+
+https://preview.redd.it/upkrvsmp0rr61.png?width=1189&format=png&auto=webp&s=b8d65632af4c0e14d52e06d2345145bfa59b0fbb
+
+PNY Graphics Cards AND Memory!
+
+​
+
+https://preview.redd.it/sx3a20zr0rr61.png?width=1205&format=png&auto=webp&s=a2cceba1fc08790f94a489b32082ab6ef6de9344
+
+Swagtron Electric Scooters & Hoverboards
+
+​
+
+​
+
+https://preview.redd.it/n7xtpvx01rr61.png?width=1234&format=png&auto=webp&s=11ddc6acdc644e63413249dec972e312a19d19d0
+
+AK Racing Gaming Chairs!
+
+​
+
+​
+
+https://preview.redd.it/2d97i4uj0rr61.png?width=1171&format=png&auto=webp&s=75b43ef55e2fe865f4cf6f834e52bbe510aeeeb1
+
+Remember how the Chief Merchandising Officer was being ousted?  It seems they are forming relations with many new vendors.  These are huge deals.  Why?  Best Buy and Amazon are competitors for these products.  If you can buy anything a gamer wants at a Gamestop, why would you want to use the other guys anymore?
+
+The entire brand is changing.
+
+I like the stock.  To the MOON!!!!!!
+
+​
+
+**EDIT 1:  Gamestop liked this tweet!!!!!**
+
+​
+
+https://preview.redd.it/q6suqxwbprr61.png?width=734&format=png&auto=webp&s=2211ea275a4aa550bd3ade78d9ecb9f6fa3f6094
+
+**EDIT 2:**
+
+Anybody like PC Monitors, routers, and high end ASUS equipment?  Gamestop has that now too.  They haven't promoted this yet....but guys, this is it.  They're going all-in on PC gaming...and yes, there are already reviews and people are actually buying these products AT GAMESTOP!!!! The next quarter results should be astronomically better than last quarter!
+
+​
+
+https://preview.redd.it/iz6751jgsrr61.png?width=927&format=png&auto=webp&s=e9e4fdb14cbe9bb8f868a0d98571c83e89ae7eca
+
+​
+
+**EDIT 3:  Some APE and I were joking about "When are they going to start selling EVGA?!** 
+
+Well....fuck me, they already did!!!!!!!  No reviews yet.  This must be brand new....and the best part of all:  POWER SUPPLIES AND FUCKING COOLERS!!!! FULL PC BUILD CAPABILITY!  
+
+
+GME TO THE MOON!!!!!!
+
+​
+
+https://preview.redd.it/4d6pm7jxyrr61.png?width=887&format=png&auto=webp&s=ef7b22a35f2ad72ad3c235275faa795146721680
+I make $65,000/year and have no debt or children. But I can't justify a $500/month payment. Putting half my salary into savings will still take like 50 years to have a house. My old car has a lot of problems so I don't want to buy used. That means at least $20k... How are people affording this? 
+
+I see tons of new cars on the road but most Americans can't afford a $1000 emergency. Are those people in massive debt and will never retire or own a home? Am I doing something wrong? I live in LA and don't have AC in my car but if the engine keeps up it'll last a while.
+Well whatever the sentiments, it's great seeing some greens 😁. 
+Erc 20 token; Coinscan and Eth classic  has made incredible surges towards the upside 
+$Scan growth in 2wks has surged over 230%
+$Ethclassic growth in same span has surged over 120%
+
+[View Poll](https://www.reddit.com/poll/wayvs8)
+Apes, it's time to don a wrinkly hat and pretend we're smarter than we really are.  Let's think through what RC's plan might be with this share dividend and see if we can come up with an idea of what to expect.
+
+As you know, on March 31, GameStop announced a plan to request stockholder approval to increase in the number of authorized shares of Class A common stock from 300,000,000 to 1,000,000,000 **in order to implement a stock split of the Company’s Class A common stock in the form of a stock dividend.**
+
+>"On March 31, 2022, GameStop Corp. (the “Company” or “GameStop”) announced its plan to request stockholder approval at the upcoming 2022 Annual Meeting of Stockholders (the “Annual Meeting”) for an increase in the number of authorized shares of Class A common stock from 300,000,000 to 1,000,000,000 through an amendment to the Company’s Third Amended and Restated Certificate of Incorporation (the “Charter Amendment”) **in order to implement a stock split of the Company’s Class A common stock in the form of a stock dividend** and provide flexibility for future corporate needs."  
+>  
+>Sauce: [SEC filing](https://gamestop.gcs-web.com/node/19686/html)
+
+This is a **stock split** in the form of a **stock dividend**.  There's a very big difference as explained by [u/justSomeWorkQs](https://www.reddit.com/user/justSomeWorkQs/) here "[Stock SPLIT and stock DIVIDEND are not the same! This is MUCH better news than just a split!!](https://www.reddit.com/r/Superstonk/comments/tta25x/stock_split_and_stock_dividend_are_not_the_same/)"
+
+TA;DR:
+
+* A **stock split** is an accounting problem where everyone just multiplies their share count.  A 2:1 (two for 1) stock split would give you 2 shares for every 1 share you have.  You take your X shares and multiply by 2 so you now hold 2X shares!  Simple!
+* A **stock dividend** is a "reward" for shareholders where the company gives you more shares for every share you have.  A 2:1 stock split in the form of a dividend means you'll end up with 2 shares for every share you have now.  Or, in ape terms, GameStop gives you a free share for every one you own.
+
+This difference is important because dividends are very commonly given as a **cash dividend.**  With a cash dividend, a company straight up gives you money for each share you own.  A company can give a $1/share cash dividend and, for every share you own, you'll get an extra [$1 to bet with the Dukes](https://en.wikipedia.org/wiki/Trading_Places#Plot).
+
+# Legit Shorts vs Naked Shorts
+
+A very important distinction here between **Legit Shorts** (where a borrower shorts a stock by *actually* borrowing a share from someone else) and **Naked Shorts** (Hi Kenny!).  If you loan out your share to someone, you are not entitled to receive a dividend because all rights to that dividend go with the share which is now in someone else's hand.
+
+>When a security is transferred as part of the lending agreement, all rights are transferred to the borrower. This includes [voting rights](https://www.investopedia.com/terms/v/votingright.asp), the right to dividends, and the rights to any other distributions.  
+>  
+>Sauce: [Investopedia](https://www.investopedia.com/terms/s/securitieslending.asp)
+
+No apes here would ever knowingly let their share get lent out.  But brokers are often looking for a quick buck and they will loan out our shares.  When a dividend happens, if **our** shares are lent out, our broker makes it up by paying us the (typically cash) dividend.  Brokers would effectively be hiding from us that our shares were lent out.  Under normal circumstances, as long as we got our dividend, we probably wouldn't care too much.
+
+Here's the fun part: **Naked shorts are obligated to deliver dividends to the shareholder they sold a synthetic share to.**
+
+# Back to the Stock Dividend
+
+GameStop wants to issue a Stock Dividend of the Company's Class A common stock - that's the same type of stonks we all have been buying and DRS-ing.  Which raises some very good questions:
+
+1. **Why ask for shareholder approval?**  There are about [77M issued shares (aka shares outstanding)](https://finance.yahoo.com/quote/GME/key-statistics/) and, according to their [June 2021 prospectus](https://news.gamestop.com/node/18961/html#supprom192873_19), are authorized to issue up to 300M shares of Class A common stock.  They could easily do a 3:1 share split as a dividend using just the shares they are already authorized to issue.
+2. **Why Class A common stock?**  This is the same type of common stock shares we are already buying and direct registering.  We already know Kenny can easily Xerox up a new batch of these shares for us anytime he needs them.  What's to keep Kenny from just Xerox-ing some more of these Class A shares to deliver (or fail to deliver)?
+3. **Where NFT?**  A very good question.  Because, according to their [June 2021 prospectus](https://news.gamestop.com/node/18961/html#supprom192873_19), GameStop could easily issue Preferred Stock and [Units](https://news.gamestop.com/node/18961/html#supprom192873_24) \- neither of which exist now for Kenny to Xerox up.
+
+# A Phased Approach To Avoiding MOASS Risk
+
+I can think of two reasons:
+
+1. The main reason I can think of for RC and GameStop to be going down this path is to limit litigation risk related to MOASS.  How?  By giving as many exit ramps as possible for legit shorts and naked shorts to take.
+2. Someone (perhaps SEC or FINRA?) is forcing RC and GameStop to give as many opportunities for  market participants to close their short position.  Many opportunities over a long time allow those players to reduce systemic risk of MOASS - if they exit.
+
+**Phase 1:** By publicly asking for shareholder approval, GameStop is putting everyone on notice of a common stock share dividend.  (They didn't need to, but they did.)  This allows market participants who ARE NOT FRIENDS WITH KENNY to exit NOW because they don't have access to Kenny's share counterfeiting machine.  This is an exit for all the legit shorts to get out before getting burned.
+
+Kenny and Co are in deep though.  So, they will run their share counterfeiting machine to sell the same Class A common stock into all those shorts closing.  Kenny, of course, knows what's going to happen next: a dividend his share counterfeiting machine can't counterfeit.  To Xerox something, you need the original.  Neither Preferred shares nor Units exist.
+
+**Phase 2:** Preferred shares.  Preferred shares are similar to Class A common stock, but they'll have a different identifier (CUSIP) and they don't exist - yet.  Kenny shouldn't be able to counterfeit these Preferred Shares because they won't exist until GameStop issues them.  (You can't Xerox something that you don't have the original for.)  But, these preferred shares don't have any real protection to them.  Once they exist, Kenny can Xerox these just like the Class A common shares he's been replicating.
+
+**Phase 3:** NFT dividend.  This is where [Units](https://news.gamestop.com/node/18961/html#supprom192873_24) come in to play.  From their [June 2021 prospectus](https://news.gamestop.com/node/18961/html#supprom192873_24), GameStop "may issue **units** consisting of any combination of two or more **securities described in this prospectus**".  There's literally a section in that prospectus titled "[Description of Securities We May Offer](https://news.gamestop.com/node/18961/html#supprom192873_19)" which lists Common Stock, Preferred Stock, Depository Shares (including ***Dividends***!!!), and Book Entry Securities.  Combining a NFT dividend with any other security (e.g., common stock, preferred stock) now authenticates and guarantees that security is both legitimate and not synthetic.
+
+BOOM.
+
+Disclaimer: Am smooth brained.  This is all [conjecture](https://www.dictionary.com/browse/conjecture).
+My husband and I have a good chunk of money in McDonald’s stock (around $20,000 at this point.) His family started this for him when he was a kid. We’re at a point in our lives where we are struggling a bit more than we have before, thanks to the pandemic and me going back to school. Because of this, and because the stock is at a higher price now than it has been in over a year, we’ve been debating pulling the money out of stock and putting it into savings. Is this a stupid idea? We aren’t sure if we should leave it and not touch it or take it out to have as a safety net while it’s high.
+#**Introduction**
+The world of finance is absolutely filled with people making claims about what’s good or bad, how you should or shouldn’t do something, and what you can and can’t achieve. My goal is to take a look at these claims, spend some time researching them, and then share what I’ve found. I’m going to investigate various strategies, ratios, indicators, portfolios, and general market concepts with the goal of determining which ones are just noise and which ones might help you get ahead. 
+
+In this write up I’m going to be taking a deep dive into another incredibly popular metric – the price to book ratio. I’m going to start with a walkthrough of how you calculate it, then I’m going to cover how it should be used, then I’m going to go over some of the pros and cons of it, and most importantly I’m going to see if it gives you any kind of advantage when selecting stocks. 
+
+#**What is P/B?**
+A company’s price to book ratio is the ratio between the company’s current share price and their current book value per share. Book value is essentially the value of a company from the perspective of an accountant. Accountants don’t care about future earnings or potential speculation. They look at the current value of the business by taking all of the company’s assets and subtracting all of the company’s liabilities. This is then divided by the number of shares to get the book value per share. Once you have that you simply divide the share price by the book value per share to get the price to book ratio. 
+
+#**Real Application**
+Now I’m going to walk you through a real example. Total assets and total liabilities can be incredibly complex numbers to try and calculate, thankfully every public company will already have these numbers listed on their balance sheet which can be found on any number of websites. I grabbed Ford’s values from Yahoo Finance for this example. 
+
+To find their book value you will be taking their total assets, which are things the company owns that have value and subtracting their total liabilities, which are things the company owes or is obligated to pay, like debt, interest payments, or workers’ wages. This is then divided by the number of shares in existence. This gives Ford a book value per share of 7.91. This means that for every $13.61 share - Ford has $7.91 of “real” value. Now the last step is to divide the price per share by this number which results in a price to book value of 1.72. 
+
+Now before I can go into depth on how to interpret this number I need to explain the different ways to classify assets. Assets come in two forms, tangible, and intangible. This is important to know because it explains why some industries have significantly higher average price to book values than others. Tangible assets are most commonly physical things like factories, land, or machinery. However, they also include two less intuitive items which are cash and investment vehicles like stocks or bonds. The thing that all of these have in common is they have a relatively easy to find real monetary value outside of the company.
+
+The other category of assets are called intangible assets which are things that are not physical and only have a theorized value. This can include copyrights, brands, or research. These have value but it’s far harder to put a price tag on them. In the standard price to book calculation the two will be added together if the intangible assets are given on the balance sheet. Another reason I defined both is because you will sometimes see people use price to tangible book value which means they did not consider intangible assets in their calculation. 
+
+#**How to use P/B**
+We calculated Ford’s price to book ratio as 1.72. Now like most fundamental ratios this seemingly random number each company has means absolutely nothing without some context. There is no definitive line of what defines a good or bad number because companies can have vastly different amounts of tangible vs intangible assets - and intangible assets are incredibly difficult to price. As with all fundamental ratios, you should only be using them as one of many data points to get an idea of how the business stacks up against similar competitors.
+
+For example, a consulting firm with a handful of employees and one small office building could generate as much profit as the steel mill on the other side of town. But because the steel mill has a lot more physical assets it’s going to naturally have a much lower price to book ratio. These companies are effectively equal but if you use price to book blindly you won’t see them that way. This means that in order to get the most out of a price to book comparison you want companies that are within the same sector and often even within the same industry.
+
+To illustrate this point, I calculated the average price to book ratio of all of the sectors over the past few years. The technology sector which relies heavily on intangible assets has an average price to book of 7.3 which is the highest. One interesting thing I found was that even among sectors that are very physical in nature the value varies by *a lot*. Industrials have an average of 4.8 whereas the energy sector has an average of only 1.65. 
+
+But what do these numbers actually mean? The price to book value compares the current valuation of the company, which includes future growth and speculation, to their current value, according to the balance sheet. A price to book of 1.72 means that the stock price is valuing Ford at 72% more than what their current accounting value is. At the very least, this means that large investors have an idea of how much they’d lose if the company went bankrupt and needed to be liquidated. This tie to real value is one reason why value investors prefer low price to book ratios, although as we saw when looking at the sectors, low is relative. 
+
+Let’s continue with the ford example and see how it can be used in practice. Let’s compare their 1.72 price to book value to tesla, who is the largest of all up and coming electric vehicle makers. Tesla has a price to book of 26.95 which shows that their price is almost entirely speculative and is incredibly disconnected from their current real value. For reference, the average price to book ratio for the automotive industry is about 4. You can see how Ford and Tesla stack up here. This doesn’t necessarily say that tesla isn’t something to buy, but it does say that it is a growth stock that people expect *a lot* from in the future. If tesla is not able to reach the levels of growth speculated it will appear to be a disappointment to its investors and has a lot farther that it can fall before it reaches a more stable price when compared to something like Ford. If Tesla fails miserably and goes bankrupt the shareholder is unlikely to get back more than a tiny fraction of their money. If ford fails miserably and goes bankrupt a large shareholder could potentially get more than half of their investment back – though the process of bankruptcy and liquidation is large and complex with varying results. 
+
+#**What are the pros and cons of P/B?**
+Price to book is a complex ratio that has a lot of implications. I’m going to go over a few of the benefits and shortcomings of it. Let’s start with the positives. 
+* Price to book can be used on companies that have negative earnings. New companies that aren’t yet profitable are very common and without a positive net income can be difficult to compare to companies that are profitable. Many companies that aren’t profitable are still great businesses as long as they are heading in the right direction. 
+* Price to book also offers investors a look into how much of the stocks price is based on real value and how much is based on speculation. This it is incredibly effective at separating growth from value stocks – so much so that the Russell indices use price to book for half of their decision weight when creating their value ETFs. 
+Now let’s look at some of the potential downsides. 
+* Price to book does not give any indication of how well a company is using its assets, only that it has them. If you have two companies that both have one million dollars’ worth of machinery and the same price to book ratio, you have no idea which one of those is actually making more money. This emphasizes the idea that you always need to look at a variety of  factors when trying to find good value companies. 
+* Another downside is that it also struggles to incorporate intangible assets because they are often incredibly difficult to value. This makes comparisons between more physical and less physical companies nearly useless with this metric. 
+* Lastly price to book value can vary from company to company because it relies on how that company does their accounting. This effect is even more pronounced if you try to compare companies from different countries. 
+
+#**Does P/B give you any advantage?**
+Now, can price to book value help you outperform the market by identifying undervalued stocks? It depends. The first thing it depends on is what type of company you are looking at. Price to book works far better on businesses that are physically intensive because the land, machinery, and factories all have significant real value. It also works well with banks and other financial institutions because cash, stocks, and bonds are all also considered tangible assets due to their easily identified real value. It does not work well when you are looking at intangible industries. Software companies, consulting firms, and pharmaceutical companies are all examples of highly intangible areas of business. 
+
+So, if you are looking to compare tangible companies from a similar industry - price to book has historically been a fantastic predictor of value. The paper called “value vs glamor: a global phenomenon” goes into incredible depth regarding the performance of price to book value. From 1968 to 2008 the 10% companies with the lowest price to book value outperformed the highest 10% by an average of 9.3% annually. This is a massive amount and with this it is pretty clear why many index ETFs use price to book to build their value ETFs. 
+
+However, it’s not all great news. The paper titled “price to book’s growing blind spot” which covers up until 2016, shows that the price to book ratio has been losing its edge in the last decade to the point where it has almost no benefit. This is a completely true phenomenon, but I want to explain why it may be misleading. 
+
+The last 10 years have been a part of the strongest bull market in history and this market is being led by primarily technology stocks. If you recall, technology stocks are mostly intangible and therefore are not able to be judged accurately with this metric. It is up to you whether you think this trend will continue. If you do, price to book may not be a metric you want to use. However, if you are looking at the long term and expect the market to return to more historically average conditions then it is likely still an effective measure of finding value. 
+
+#**Conclusion**
+The price to book ratio has certainly earned its fame, at least historically. Aside from the past 15 years the price to book ratio has selected strong value stocks again and again. It’s up to you whether you want to bet for or against the current paradigm of the market which is dominated by intangible technology. This will determine whether or not you should make price to book one of your tools. 
+
+###**TLDR:**
+Historically P/B has been one of the best predictors of value. This trend has nearly completely disappeared in the past 10-20 years. This is likely due to the dominance of tech companies which are incredibly heavy on intangible assets. Ideally it should only be used as one of many data points when selecting a stock and should only be used to compare similar companies in similar industries. 
+
+###**Mild subreddit self-promotion:**
+If you enjoy these kinds of posts I created my own subreddit r/FinancialAnalysis where myself, and eventually others, will be doing this style of research. 
+
+#**Papers on the subject**
+* P/E, P/B and P/CF are all strong predictors of value:
+    * https://papers.ssrn.com/sol3/papers.cfm?abstract_id=1289357
+* P/E, EV/EBITDA are good predictors, P/B losing power in recent years:
+    * https://www.osam.com/pdfs/research/_19_Commentary_Price-to-BooksGrowingBlind%20Spot_Nov-2016.pdf
+* P/B is effective at selecting outperforming stocks:
+    * https://www.researchgate.net/publication/341941538_An_Investigation_on_Performance_of_Key_Predictor_Ratios_in_Stock_Selection
+* P/B has the most predictive power of all variables tested
+    * https://doaj.org/article/a27d5be5592a4121a97ee4615f0378a7
+Recently I found **Sitio Royalties,** which basically produces oil barrels and gas in the U.S.  
+I saw someone [post an analysis of the company](https://www.jika.io/post/2b4e040a-6420-11ed-8080-80000f87af21), but I'm not an expert on investing in oil companies so I'm seeking **other opinions**.
+
+What caught my attention is their fundamental -  
+
+* Declared 3Q 2022 dividend of $0.72 per share - **dividend yield of 9.4%**
+* **Revenue: US$115.5m** (up 243% from 3Q 2021).
+* Net income: US$9.14m (up 21% from 3Q 2021).
+* Revenue is forecast to grow by 22% 
+* 2023 guidance for a **$3.34 per share in free cash flow in 2023**  
+* **Net cash provided by operating activities:** Q3 2022 $171M vs $40M a year ago.
+I’ve been staring at definitions of and commentary on net income vs free cash flow for a while. I understand that free cash flow is what’s leftover for shareholders, although it’s still not entirely clear to me why I would specifically favor free cash flow over earnings for subscription businesses. For example, Adobe has an earnings yield of 2.3% (P/E 43) whereas its free cash flow yield is 3.3%.
+I'm not sure if this post belong on this sub or not, so if not, I guess the mods will delete it, and I'll try elsewhere. 
+
+About a month and a half ago I decided that I was going to go on my own in investing (value investing of course) and set up my own investing account with Bank of Montreal. My wife and I, however, had mutual funds with an advisor firm that had been sitting with them for about 15 years (making 5% a year in return) So I contacted the advisor and told him that we wanted to cash out our funds and I was going to transfer them to an RRSP with BMO Investor Line. 
+
+So the funds were cashed out, and I initiated a transfer to BMO. My wife's funds were transferred to the account 3 weeks ago. Mine, however, have yet to be transferred. At first I was told by advisor that the funds were to be transferred electronically, and then later when nothing happened, he said that he didn't realize it, but the funds would actually have to be sent to BMO by paper cheque. That was a week ago. I called BMO today and the rep was nice enough to actually call the mutual fund firm while I was on the line, and they told him that a cheque was sent, but it was going to take *three weeks* to deliver from Montreal to Toronto. Three weeks! I said, "Are they delivering it by horse and carriage?" The only reassuring thing that the BMO rep had to say to me was that when transferring mutual funds, sometimes it can take a long time. Other than that he seemed just as baffled by the 3 week response as I was. I just have a very bad feeling that when the next three weeks are up I'm going to get yet another excuse why the funds have not yet been sent. 
+
+I guess what I'm getting at here is, should I be concerned? I wrote a draft of an angry email to my ex mutual advisor, but I have yet to send it. I honestly don't know if I'm being paranoid, or if I should start to worry. Is it possible that there is something else going on here, and they are just stalling? It's not a huge amount of money, but it is tens of thousands of dollars. Perhaps a years salary for some people. 
+
+Should I send that angry email? Am I overreacting? I'm not sure what to do here.
+EDIT 3: u/_writ just posted this in the comments. Seems like the below might be a Fintel issue rather than under-handness floating to the top as it appeared in some shape or form:
+
+https://preview.redd.it/6lsh1hnaral71.png?width=1332&format=png&auto=webp&s=731f6da155c3f16dcadca103cd3d4dd665a4de40
+
+Apologies for some morning hype - I didn't expect to pick up traction before someone with real wrinkles solved it. I'll see if I can get the flair updated to debunked. At least we all learnt how to unpackage a CMBS now ay! No cell, no sell.
+
+​
+
+Hi Apes
+
+I have just stumbled across this SEC filing listed on Fintel against Gamestop on 08/31/2021:
+
+​
+
+[https:\/\/fintel.io\/ipro\/gamestop](https://preview.redd.it/ibyq665rk9l71.png?width=1678&format=png&auto=webp&s=bcf0fb734c40ecf98e0f1ad4d2ab07f21e9bee17)
+
+A quick double check on some other stock shows it's not appearing wholesale, just on GME (as far as I have spotted).
+
+You can see the full filing here: [http://otp.investis.com/clients/us/federal\_homeloan/SEC/sec-show.aspx?Type=html&FilingId=15202618&CIK=0001026214&Index=10000](http://otp.investis.com/clients/us/federal_homeloan/SEC/sec-show.aspx?Type=html&FilingId=15202618&CIK=0001026214&Index=10000)
+
+It doesn't mention Gamestop.
+
+So why has Fintel linked them up?
+
+Well - I have attempted to grow a wrinkle.
+
+​
+
+[\[X\] Rule 15Ga-2](https://preview.redd.it/ww14b42ml9l71.png?width=2130&format=png&auto=webp&s=75cf79d69ed49bfc0c5eb2293dc690cc06d1a42d)
+
+So it seems the document has been filed to comply with Rule 15Ga-2. 15Ga-2 is effectively means if you want to sell a new asset backed security, then you have to disclose all third party reports on the underlying asset - at least 5 days before the sale
+
+https://preview.redd.it/g5so8t7jl9l71.png?width=1766&format=png&auto=webp&s=5ed1e472d17eea09801445ff87bcc6ecb19ac5f4
+
+So someone is looking to sell some asset backed securities...
+
+​
+
+https://preview.redd.it/eip9q3bmm9l71.png?width=1202&format=png&auto=webp&s=3671acc08b1e72a300e3df26f484e4c3e202373e
+
+K131... well that hasn't happened yet... but K130 sets out what these are all about:
+
+[http://www.freddiemac.com/mbs/data/k130oc.pdf](http://www.freddiemac.com/mbs/data/k130oc.pdf)
+
+​
+
+https://preview.redd.it/hyq4r5yao9l71.png?width=642&format=png&auto=webp&s=e12a17534d427b85f6ed80324ea9436b541a7203
+
+Can someone give me a 2008 CMBS crash anyone???
+
+Well - I'm heading down the rabbit hole with this and will add more as I discover more, but my initial reading is that Freddie Mac are going to sell off a bundle which will involve GameStop related assets.
+
+​
+
+Please bring your wrinkles and help me work out what is going on?
+
+​
+
+Edit 1: u/NewportMentholShorts with this nugget of research - Does someone need to build a 5% position in GameStop?
+
+[**NewportMentholShorts**](https://www.reddit.com/user/NewportMentholShorts/)·[6m](https://www.reddit.com/r/Superstonk/comments/ph2pvo/sec_filing_suggesting_upcoming_asset_backed/hbfl2m9/?utm_source=reddit&utm_medium=web2x&context=3)
+
+“Section 941 of the Dodd-Frank Act amended the Securities Exchange Act of 1934 by adding a new section 15G ("Section 15G"), which generally requires a securitizer or sponsor of asset-backed securities ("ABS") to retain not less than 5% of the credit risk of the assets collateralizing the ABS issuance.”
+
+​
+
+Edit 2: I've been reading through the circular for the last ABS (series K-130) that involved a similar group and - to answer a comment that seems to pop up now and again - although this is multi-family, it can contain commercial units as well:
+
+https://preview.redd.it/8tuj3xiplal71.png?width=1038&format=png&auto=webp&s=69adc8cde2f5631868b60385a77740edcc1a1050
+
+I think the 'is it relevant for GME or just a fuck up by Fintel' will only be known when they release the k-131 documentation, where they have to list out the assets that are being bundled. Seems to be a all-star cast of dodgy banks though!
+The inspiration for this came from [this recent post](https://www.reddit.com/r/financialindependence/comments/f869wg/a_great_example_of_betteridges_law_of_headlines/?utm_source=share&utm_medium=web2x) which alluded to the ridiculous notion that the economy might suffer if people saved more.  Dave Ramsey sort of answers the question [in this video](https://youtu.be/HHQxXUYNc0Q) but I wanted to expand on the explanation and open a dialogue to hopefully enlighten us all.  For the sake of clarity and a simpler discussion, I'm going to leave out nuances of economics that don't change my overall argument.
+
+I'm no economist but I did take a few econ classes in college. Whenever I encounter questions about the economy as a whole, I begin by going to the simple example of two people stranded on an island with two sources of food: fish and coconuts.  One person fishes and the other gathers coconuts.  At the end of the day, they trade and have a nice dinner.  They only need to gather what they can eat before it spoils because anything beyond that is wasted effort.  If the coconut picker harvests twice as many coconuts as needed in one day, she can take the next day off and not work.
+
+Now let's scale the example up. Add several more people on to the island  until we have a village and each person can perform an additional task beneficial to the community such as by being a carpenter, a chef, a nanny to watch the children,  etc. Eventually, it makes sense to use a medium of exchange (money) to make trading goods and services easier.  As a bonus, money doesn't spoil as food would so it's possible for someone to save enough money to live for a month and take a whole month off work.  Or a year.  They've already put their work in.
+
+How does investing work then?  Suppose that our coconut picker makes an investment in her coconut picking business by hiring the carpenter to build her a ladder to make it easier to pick coconuts.  She can now pick coconuts in less time than before.  Suppose she uses this extra time to further invest in her business.  She begins planting coconut trees near the village so she doesn't have to carry them from all over the island. Now she has even more free time so she begins breeding coconut trees to produce larger coconuts. Eventually she could hire someone to pick coconuts for her and she might not have to work at all.  Or she could pursue another endeavor and add even more value to the village.  The village gets the same number of coconuts as before even though she does less work.  This is the return on her investment.
+
+In the video above, Dave Ramsey explains the fallacy in arguing that the economy would suffer if everyone were good with money.  In fact, the exact opposite is true.  The fallacy, he explains, is that the argument is predicated on the notion that in the economy if one person wins, someone else has to lose.  This is simply untrue.
+
+In the example above, who loses when our coconut picker works extra hard and takes a day off?  Who loses when she invests in a ladder and harvests coconuts in less time?  The village still gets the same number of coconuts it always had and she has more free time.  She might relax in that free time.  Or she might work more and use the extra money to have the carpenter put an addition onto her hut.  The carpenter has more work, gets more money, and can save it or use it to invest in new tools.
+
+Our modern economy is much more complex, but the example is still instructive.  When we invest our money, companies have the resources to improve their products and services, making them better, cheaper, or more accessible.  [This video](https://youtu.be/GnJCOof2HJk) does a great job explaining how investing in the stock market results in better/cheaper goods and services as well as additional money to the investor.  The more money we have, the more we can invest.  The more we invest, the better/cheaper goods and services get.  The better/cheaper goods and services get, the better quality of life we have and the more money we have to buy goods and services as well as to invest.  This positive feedback loop continues to advance society.  This is how we go from hunter gatherers to Macbook Pros.
+
+So now we see how investing is helpful to boost the economy but what about savings?  Savings can help boost the economy by reducing waste in our economy.  By waste, I mean effort that is expended that isn't a net benefit to society as a whole.  For example, if you lose your job and can't pay your auto loan, then the bank will repossess your car.  The bank has to pay a repo man to find and repossess your car, the car has to go to auction, the car is then resold to someone else, the bank's accounting department needs to write off the loan, you need to find alternative transportation, etc. All of this effort wouldn't have to be expended if you had some money saved up and either continued to make payments or bought a car with cash from the beginning.  
+
+But what about the repo man and the accountant?  They would lose their job if nobody defaulted!  Yes, they would and that would be great for everyone involved.  First, you wouldn't be in the situation where your car got repossessed so you could avoid all the stress and hassle and taxes when your loan is written off.  Also, the repo man and accountant would be free to work to create something positive for society rather than cleaning up a mess you.  What mess?  The mess that was created when you defaulted on your car note.  People who argue that argue that it would be bad if nobody defaulted because the repo man would lose his job are making an error in logic known as the [broken window fallacy.](https://en.wikipedia.org/wiki/Parable_of_the_broken_window)  The flawed argument is that something destructive, such as breaking a window, is good for the economy because it creates a job for someone to fix the window.  But if the window does't get broken in the first place, then nobody has to fix it and everything is the same.  Taking the broken window fallacy to a logical extreme, we should all burn down our houses because it would create a lot of jobs in construction and improve the economy.  Obviously this would not be a net benefit to society!
+
+So what would happen to the economy if everyone were smart with money?  There would be less defaulting on debts, less waste due to not having to clean up defaults, goods and services would become better and less expensive, people would be able to ride out recessions and retire earlier.
+What are your thoughts? Too simple? Not enough confirmation?
+
+Involves a 5d and 15d SMA crossover supported by RSI under 50 and a Stochastic not oversold moving upwards
+Hello everyone! I'm fairly new to investing and I am looking to include some clean energy/ sustainability oriented ETFs in my portfolio.
+
+So in order to get some opinions, what are your favorite clean energy and sustainability oriented ETFs and why? 
+
+Also I know that time in the market beats timing the market, but would you think that now is a good time to start investing in such ETFs?
+What I mean by "resembling a FIRE lifestyle" is: you get to choose your own hours, are not anchored to one location for a prolonged period of time, and don't report to a "boss". This is not a question about high-paying jobs that would encourage reaching FIRE quickly (although feel free to mention if your suggestion is high-paying).   
+
+
+Some examples I can think of include Uber/Lyft/Instacart driving, being a freelance writer or blogger, and sex work like escorting or pro domme-ing. Do you folks have more thoughts?
+I've been working making $16/hr and upon negotiating a raise was given $0.50. This felt like a slap in the face considering I have been taking on a lot of jobs from different departments that have way more members than my team. I decided it was time to look in to some other jobs in similar lines of work and as of a couple days ago got an offer for $23/hr, $500-$1,000 bonuses per month based on how well I perform and medical insurance that costs about 70% less. This was a huge win for me and a big step in making me feel like I am actually progressing with my life. Don't ever feel like you aren't worth more, and don't get guilt tripped in to the "we are all a family" businesses. Sometimes you have to break off ties and start fresh!
+
+Edit: Did not expect to wake up to this, thank you all so much for the kind words and advice. :)
+I'm new to this DD thing, I came into this GME saga barely knowing what the fuck was going on, so please bare with me.
+
+You may have seen my post about [801 and the NSCC-002](https://www.reddit.com/r/Superstonk/comments/n5idj9/801_and_nscc002/) the other day mentioned in the Daily, or my update on the [NSCC-002](https://www.reddit.com/r/Superstonk/comments/n6zgng/nsc002_delayed_for_longer_period_of_comment_and/) filing being postponed until June 21st.
+
+I'm going to make this as easy for apes to understand, and will be active in the comments section to inevitably fill in the gaps I am going to leave.
+
+# GME Is Not Being Held Down By Kenny G Right Now
+
+I know, we love the Kenny G memes, but in my mind it's not true. 
+
+A lot of speculation has gone on in other DDs about why this is, so I'll defer to [the masterpieces](https://www.reddit.com/r/Superstonk/comments/mkvgew/why_are_we_trading_sideways_why_is_the_borrow/) of DD. 
+
+From my personal knowledge of Wall Street, their past actions, and the delayed filings and joke of a hearing, it seems to me that Blackrock, the SEC, the DTC, FINRA, and Citadel are all working together to sort out this shit show for THEM. Most likely Citadel is working with the SEC and others to allow them to move assets, secure positions, and get things in the best possible shape for THEM before unwinding. In exchange, they may get lower fines, or immunity altogether from the DoJ when this comes to a head.
+
+The volume is low, apes are holding and buying here and there, and Blackrock/Market Makers are more or less the only ones moving GME, along with general trading Algos that may pick up on GME. Shorts may be borrowed by Blackrock or others to keep the price steady and closed (legitimately) by the end of the day.
+
+We have to truly understand that we ARE in a completely fradulent system. 
+
+# So What's Next, NSCC-002 is delayed?
+
+It is becoming increasingly clear to me that all players from the financial industry side are playing for themselves. They are working on making sure the exposure is as limited as possible (or perhaps as profitable as possible) and contained. It is a known fact Citadel will go under, how do they go from there and how do they benefit and do their jobs the best. 
+
+If we rule out that the SEC will do anything for investors, we can begin to see 2 timelines form. The apes and papa Cohen, and the lifting of the brakes from the DTC/SEC.
+
+# Papa Cohen Takes Over
+
+One way that the MOASS can start is by forcing the financial regulatory agencies to hop out of the car entirely. This can only be done with a large investor base and coordinated plays. The shareholder meeting on 6/9 seems to be that. If 1.) The total votes received exceeds the float count then it is clear and impervious evidence that naked shorting exists. Once that is established 2.) A reverse merger or a stock split can force the shorts to cover. There is a lot of reasons why a stock split causes this, but essentially your 10 shares may become 20, may become 30, may become 50; and this is the same for Shorts. Their 200 million shorts may become 1 billion... and that will most certainly force a margin call from a financial perspective. These shares will have to be returned as well, and FTDs in a stock split are deadly, lethal, and will have immediate effect. 
+
+If a split is announced at 6/9, we would need effectively 0 regulations to pass for MOASS to start, and they would be FUCKED.
+
+# Cohen forgoes split, SEC/DTC wait for Regulations
+
+This is the other way MOASS may happen, with the DD already being everywhere I won't harp on it. 
+
+Essentially, we wait for OCC-003 and OCC-004 (I think, numbers are hard for ape) and DTC-005 to pass, this insulates the crash, allows other members to keep their crash, and fucks citadel with the entire girth of ape cock. They would then be incentivized to release the brake, allow buying pressure to come back through the regular exchanges, and perhaps whales will feel comfortable hopping in as well.
+
+​
+
+All in all, we are looking at another month or so of hodling, no target dates. Vote and Hodl. Always.
+
+​
+
+# TL;DR: Papa Cohen has a chance to say fuck the SEC/DTC and start the rocket on his own, minimum date for that happening is the shareholder meeting. Otherwise we vote and hodl until OCC-003, 004 and DTC-005 are put into place. The system is fraudulent, Kenny G is not shorting, they're just letting the chess timer hit 0 before accepting loss.
+Hey guys I've noticed that while making a decent return with theta strategies I haven't really been able to enjoy the money as I horde it all in my account. I was just curious if any of you have any systems or strategies in place to utilize the funds you generate for personal use? Is there a percent you with draw from your earnings that you guys use?
+[https://finance.yahoo.com/news/gamestop-investors-speculate-meme-stock-203707260.html](https://finance.yahoo.com/news/gamestop-investors-speculate-meme-stock-203707260.html)
+
+**Gerelyn Terzo**  Wed, July 14, 2021, 4:37 PM
+
+**In this article:**
+
+* [**GME**](https://finance.yahoo.com/quote/GME?p=GME)\-6.91%
+
+Meme-stock and cryptocurrency investors alike are [speculating](https://twitter.com/search?q=gamestop%20nft&src=typed_query) on Twitter about whether today is the day that the company will introduce a non-fungible token, or NFT. Non-fungible tokens are digital assets that integrate some object, such as a piece of artwork, video, or anything that the creator can imagine, including a game apparently.
+
+Based on the source code of a GameStop blockchain contract, July 14 had emerged as the speculative launch date for the NFT. That theory is losing its luster, however, as the clock continues to tick. That doesn’t mean that a GameStop NFT isn’t in the works.
+
+A GameStop NFT [website](https://nft.gamestop.com/) has already been launched, fueling the speculation that the unveiling of the gaming token is not too far behind. Plus the company [recently](https://www.linkedin.com/in/matthew-finestone-cfa-7bb8ba51/?originalSubdomain=ca) brought on Matthew Finestone as head of blockchain.
+
+Investors are anxiously awaiting the details of what the digital token will have to offer and have begun to unpack the coding tied to a cryptocurrency wallet address for clues. Solidity developer and Twitter account u/0xfoobar is reportedly [behind](https://metaversal.banklesshq.com/p/gamestop-nfts) the GameStop blockchain contract and has seemingly been busy building the NFT. The GameStop team has been keeping the details of a gaming NFT close to the vest, but the launch [could be tied](https://twitter.com/rensole/status/1415339327517777922) to the [Ethereum](https://www.fxempire.com/crypto/eth) network upgrade. 
+
+[Source: Twitter](https://preview.redd.it/yibv4fu5cdb71.png?width=705&format=png&auto=webp&s=be74cd9ceb77ecfc0a13729e63e8b19bbadd04e0)
+
+**Gaming and NFTs**
+
+Gaming is a natural fit for NFTs, given that gamers are already accustomed to buying in-game virtual assets like skins, currency and more to up the ante. The most popular NFTs have been known to sell for tens of millions of dollars. A GameStop NFT could generate some excitement both in the blockchain industry and among traditional gamers, which has the potential to spill over into the stock to give it a much-needed jolt.
+
+GameStop, the meme stock that started it all, has seen its value decline by close to 20% in the month of July so far. Year-to-date, shares of GameStop have gained more than 800%. Short interest in the stock hovers at 13.3% and has increased more than 9% in recent days, as per S3 Partners data [cited by CNBC](https://www.cnbc.com/2021/07/14/amc-share-price-cut-in-half-as-reality-sets-in-for-meme-stock-investors.html).
+
+[GME NYSE](https://preview.redd.it/tyv1gxzlcdb71.png?width=705&format=png&auto=webp&s=bf3040a117443ac02139af162b4274b2c40d9e09)
+
+**Meme Stock Malaise**
+
+July is almost halfway over and meme stock investors are licking their wounds after a bout of declines. Based on the activity on Reddit and other social media platforms, retail investors are holding, for the most part, and waiting for their fortunes to turn around. They are also getting tired of seeing red day after day as their strategy to squeeze sophisticated traders hits a bump in the road.
+
+The major meme stocks are still up for the year and have outperformed the broader markets, but they have tumbled in recent weeks. Some are blaming it on the rise of inflation rather than anything company-specific in their favorite stocks. Either way, the bears appear to be in control for the time being as trading volumes weaken and the summer doldrums kick in. It is nothing a GameStop NFT could potentially fix, but when that will become a reality is the question.
+As everyone has likely seen GME has raised a little more than $1.1b after paying commission to Jefferies.  Combined with their reported cash position on May 1, 2021 of $770m they now have a war chest estimate of $1.879b with a B.
+
+Cohen and Co clearly have this thing on a fast track turnaround / transformation based on reported EBITDA improvement of ($0.7m) for Q1 2021 vs ($75.5m) for Q1 2020.  For those smooth brains reading.... this type of improvement is insane.  It would be like being on the Titanic just after hitting the iceberg and that crazy flex seal mother fucker rolls up in his screen door bottom boat and slaps some flex tape on the big gaping hole in the side letting the ship sail on to NYC.
+
+But just for a second let's pretend Cohen and Co stop with the improvements and Gamestop stays steady state moving forward.  The company slowly bleeds cash quarter after quarter based on their Q1 Net Loss.  In this non realistic scenario of Cohen's dream team sitting idle twiddling their thumbs day after day it would take 7 fucking years to bankrupt the company AKA a win for naked short sellers.  That means 121 more T+21 cycles and 73 more T+35 cycles for hedge funds to survive.
+
+TLDR - Hedgies best case scenario to bankrupt GME is now 2028 some time.  Cohen and Co just bent them over and whispered in their ears "GME can wait at least 7 years while you try to stay solvent".  Check Mate
+
+​
+
+This is not financial advice, but man do I love this fucking stock.
+Burry keeps making predictions and then nukes his account (deletes all his tweets) when he is wrong.
+
+Yesterday he has started tweeting again, posting a few screenshots of old mails from 2005 implying it can take a while (3 years) for his predictions to come true.
+
+Tweet from yesterday: [1](https://twitter.com/michaeljburry/status/1437099210185138177)
+And today: [2](https://twitter.com/michaeljburry/status/1437454770130718722?s=20)
+
+**Update:** he nuked his account again, but his tweets are still archived here: https://twitter.com/BurryArchive
+[Part I](https://www.reddit.com/r/Superstonk/comments/yxibk2/unwrapping_wrapped_gme_part_1_who_made_this_shit/)
+
+[Part II](https://www.reddit.com/r/Superstonk/comments/yz1y8i/unwrapping_wrapped_gme_part_ii_plugging_a_41/)
+
+Hey kids, it's been an eventful fucking month, aye? Not sure if I can link the first two parts with the new sub rules, but they are in my profile and we'll recap anyway cos shit's been spicy!
+
+So, I posted the first part of this series on a random Thursday morning as a bit of an experiment to see if I could fish out a little bit while SBF was under pressure. The result was beyond my wildest dreams. Within two days, the post had picked up a respectable 104k views, but not even 48 hours after posting, I began seeing articles of a certain trading desk shutting down. The very desk I named in my post.
+
+​
+
+**How it started:**
+
+​
+
+https://preview.redd.it/e8e7k9nxdo6a1.png?width=866&format=png&auto=webp&s=3647b0bcc7fcc7d6394a2a56ee82ba85cd47d8fb
+
+**How it's going:**
+
+​
+
+https://preview.redd.it/uts65lkzdo6a1.png?width=1193&format=png&auto=webp&s=f69c90444c3ccb295caed2c3699a055eefa06647
+
+Since part I and II, the story was picked up by The Chainsaw and SBF also copped to them in fact, being his. Now, it's great that I was right, and someone actually admits culpability, but I've sat back and listened to him only admitting what's being asked. That's kinda sleazy if you ask me, so I'm gonna pry Pandora's Box open just a little bit more by showing another token that they've created and passed around. This also happens to be the most egregious and damning example that no one seems to have picked up on. Let's see who's still standing after this round. 😈
+
+​
+
+# Wrapped Nickel
+
+I demonstrated beyond a shadow of a doubt that Wrapped GME was created and traded around the squeeze. After that, there was no activity. Following that, I decided to see if they were dumb enough to do it again. They were. No, I'm not kidding. Nickel (the metal) as you will recall had it's historic short squeeze [March 08, 2022](https://www.bloomberg.com/news/articles/2022-03-14/inside-nickel-s-short-squeeze-how-price-surges-halted-lme-trading).
+
+**Wrapped Nickel Address:** [**https://etherscan.io/token/0x9B9128d3b415475BF0ffF0405B746CA5E41A0dD4#balances**](https://etherscan.io/token/0x9B9128d3b415475BF0ffF0405B746CA5E41A0dD4#balances)
+
+​
+
+[FTX US is the top holder. Fancy that.](https://preview.redd.it/zwzalioiho6a1.png?width=1940&format=png&auto=webp&s=644977aee284fe5e841cfc79c82514b469fd7490)
+
+If we dig a little deeper, we'll find that this token was created at the exact moment of the squeeze:
+
+​
+
+[London time would have been 5:41 AM \(if my conversion is correct\)](https://preview.redd.it/k5xegkdzio6a1.png?width=2015&format=png&auto=webp&s=fa187b9eaaf9269dff81e740d65c21adb363442a)
+
+​
+
+Looking at the transactions, all trades were done in the two hours following creation.
+
+​
+
+https://preview.redd.it/ed7wi3uxjo6a1.png?width=1802&format=png&auto=webp&s=2b6393aaaea41f3b5811b2095603052506e664ae
+
+By this time the squeeze is done. My question is, did they capitalize off the squeeze, or did they cause it? 🤔 It wasn't just FTX creating an internal coin since it was put on Uniswap and traded by some familiar faces: I'm including the number of Wrapped GME held as well to keep continuity with the sub and not getting too far off topic. I'm also including links to ens addresses since they hold both and I'd like to know more about these people. :)
+
+​
+
+|Rank in holdings for Wrapped Nickel|Address|Quantity of Wrapped Nickel Held(truncated to nearest whole number)|Rank in holdings for Wrapped GME|Quantity of Wrapped GME Held (truncated to the nearest whole number)|
+|:-|:-|:-|:-|:-|
+|1|[FTX US](https://etherscan.io/token/0x9B9128d3b415475BF0ffF0405B746CA5E41A0dD4?a=0x7abe0ce388281d2acf297cb089caef3819b13448)|2,983,267,637|73|5,519|
+|5|[pennilesswassie.sismo.eth](https://etherscan.io/token/0x9B9128d3b415475BF0ffF0405B746CA5E41A0dD4?a=0x9c5083dd4838e120dbeac44c052179692aa5dac5)|303,686,828|6|253,984|
+|10|[mozzz.eth](https://etherscan.io/token/0x9B9128d3b415475BF0ffF0405B746CA5E41A0dD4?a=0x80b3153f39aeec1ef68adc038913698e103e6e1d)|100,636,463|107|2,299|
+|14|[Alameda Research 24](https://etherscan.io/token/0x9B9128d3b415475BF0ffF0405B746CA5E41A0dD4?a=0x97137466bc8018531795217f0ecc4ba24dcba5c1)|76,099,748|55|8,627|
+|22|[Jump Trading](https://etherscan.io/token/0x9B9128d3b415475BF0ffF0405B746CA5E41A0dD4?a=0xf584f8728b874a6a5c7a8d4d387c9aae9172d621)|51,257,689|28|17,208|
+|29|[Genesis Trading: OTC Desk 2](https://etherscan.io/token/0x9B9128d3b415475BF0ffF0405B746CA5E41A0dD4?a=0x0548f59fee79f8832c299e01dca5c76f034f558e)|35,686,111|11|60,413|
+|58|[Fund: 0x465...363](https://etherscan.io/token/0x9B9128d3b415475BF0ffF0405B746CA5E41A0dD4?a=0x4655b7ad0b5f5bacb9cf960bbffceb3f0e51f363)|30,834,040|58|8,060|
+|77|[tdurden.eth](https://etherscan.io/token/0x9B9128d3b415475BF0ffF0405B746CA5E41A0dD4?a=0xcda16a18d3f942571e7ba81b7d2219a6802c45a1)|11,185,773|154|600|
+|126|[175cm.eth](https://etherscan.io/token/0x9B9128d3b415475BF0ffF0405B746CA5E41A0dD4?a=0x5d4f25b080230976187e9897a4cbb4c284d7c390)|5,844,810|39|11,674|
+|154|[vvville.eth](https://etherscan.io/token/0x9B9128d3b415475BF0ffF0405B746CA5E41A0dD4?a=0xb8c2c0aa32a95351ffa9450509c62379a42a4f87)|4,186,577|123|1,644|
+
+​
+
+Both tokens have just over 200 holders. 10 of them that are named addresses hold both. I haven't compared them, but I bet there are a lot more matches than this in the unnamed addresses. Further, if we look at the transactions, you'll see that Jump Trading is one of the first ones in line each time.
+
+​
+
+**Wrapped GME**
+
+​
+
+https://preview.redd.it/jgxi8aupso6a1.png?width=1887&format=png&auto=webp&s=d19172c1014bbd49840a86666b5a051697659eb3
+
+**Wrapped Nickel**
+
+​
+
+https://preview.redd.it/lamkj4vrso6a1.png?width=1742&format=png&auto=webp&s=12dbddf07f8bd99deda746b1fd174efc22676740
+
+​
+
+So what are the odds that this was created by some kid in a basement, or just an internal test, and not part of a bigger collusion to commit crime? Pretty fucking low. Wrapping up, it's cute that SBF claims this whole thing was just a result of mismanagement and stupidity. I'd say that this series is forming a basis for RICO at the very least.
+
+​
+
+With that, I'm closing this part out.
+
+\*Edit\* Archive link: [https://archive.vn/CNIe1](https://archive.vn/CNIe1)
+
+​
+Hi guys. I'm deputy business affairs editor at The Economist and until recently was energy and commodities editor. 
+
+We've just published a Technology Quarterly on how to reach net-zero carbon emissions (which you can read here https://www.economist.com/technology-quarterly/2018/11/29/what-would-it-take-to-decarbonise-the-global-economy), so feel free to ask me questions about the merits of a carbon tax, what it will take for governments to spend enough to tackle climate change or anything else you want to know—particularly on the link between energy and climate 
+
+Proof: https://twitter.com/theeconomist/status/1071165976090169344
+
+Update: That's all! Thanks for your interesting questions
+Hi guys. I'm deputy business affairs editor at The Economist and until recently was energy and commodities editor. 
+
+We've just published a Technology Quarterly on how to reach net-zero carbon emissions (which you can read here https://www.economist.com/technology-quarterly/2018/11/29/what-would-it-take-to-decarbonise-the-global-economy), so feel free to ask me questions about the merits of a carbon tax, what it will take for governments to spend enough to tackle climate change or anything else you want to know—particularly on the link between energy and climate 
+
+Proof: https://twitter.com/theeconomist/status/1071165976090169344
+
+Update: That's all! Thanks for your interesting questions
+This is just of course a rough calculation.
+
+According to DRSbot, there are 1,720,934 shares locked. BY ONLY 10889 apes. Thats \~4.5 of the free float.This is incredibly bullish!
+
+Just a quick math:
+
+The free float is 38,531,463. Roughly 4.5% is locked only by 10889 apes. Superstonk has 730k members. Not everyone posting their DRS-d shares, not everyone got their mail yet (euroapes), and not everyone is on Superstonk.
+
+Assuming every 3rd person on Superstonk is real (the others are shills/bots/whatsoever) that gives us 200k shareholder apes in superstonk.
+
+Assuming every second  person is DRS-ing, that is  19228607 shares DRS-ed, which is 49.9% of the free float.
+
+You see why is it important to stop being a bystander? We need Everyone, not only every second person to reach 100%.
+
+​
+
+Edit: I realized that I didn't post this yet, so here I go with my small contribution. LFG!!
+
+https://preview.redd.it/7k1blyiy54f81.jpg?width=3984&format=pjpg&auto=webp&s=bd6d1831c069fb800382a360c5a3641396439641
+News outlets and everybody on Reddit have been saying the next Bank of Canada hike will be 0.75%. Will this be “priced in” when the BOC makes their announcement of 0.75%, or will the market drop?
+As people flood to Pokemon cards and Dogecoin and predictions abound of massive gains it reminds me of similar hysteria about the opening of Crossrail in London. For example the below research piece from January 2017:
+
+“House prices in West Drayton and Ealing are expected to rise by up to 50% by 2020 because of the new Crossrail project , claims property consultants.
+Research carried out by JLL suggests West Drayton and Ealing Broadway are amongst the areas set to see the biggest rise in house prices as the Elizabeth line railway nears completion”
+
+https://www.mylondon.news/news/west-london-news/house-prices-set-grow-50-12515858
+
+In 2016 London property prices had been going up strongly for a few years and with no sign of stopping, particularly for first time buyers and flats around the half million pound mark. Crossrail was due to open at the end of 2018. Since then we’ve had the Brexit vote, Covid 19 and Crossrail is still a year away from opening. So how about those West London properties?
+
+If you’d kept your cash in the bank for 5 years you’d likely be able to get a discount on the same flats now. The lower demand for flats in London has meant sellers are repeatedly slashing their asking price:
+
+https://www.zoopla.co.uk/for-sale/property/station/rail/ealing-broadway/?page_size=25&price_max=500000&price_min=450000&q=Ealing%20Broadway%20Station&radius=0.5&results_sort=most_reduced&search_source=refine
+
+https://www.zoopla.co.uk/for-sale/property/station/rail/west-ealing/?price_max=500000&price_min=450000&q=West%20Ealing%20Station%2C%20London&radius=0.5&results_sort=most_reduced&search_source=for-sale
+
+https://www.zoopla.co.uk/for-sale/property/station/rail/west-drayton/?price_max=500000&price_min=450000&q=West%20Drayton%20Station%2C%20London&radius=0.5&results_sort=most_reduced&search_source=for-sale
+
+What is the lesson from this? 
+
+•	Your home is primarily a place to live, not an investment
+
+•	Don’t let your fear of missing out lead you to making a rash decision and fall prey to over-promising salespeople
+
+•	Its hard to predict the future, so diversify and don’t overstretch yourself
+I'm curious what it's like to be a mortgage broker in the US and figure there are some of those on this subreddit.  What is the day-to-day work like?  Is there a substantial difference between what a commercial and a residential (e.g. SFH/condo) mortgage broker does?  Which one is able to earn more?  Do mortgage brokers in the US earn residuals/trail income like they do in some other countries?
+
+Any advice on how to get into this business?
+
+Many thanks.
+Apart from liquidations many shorters were also forced to cover their positions after BTC closed above options strike price 35k.
+
+All this happened over a weekend. Bullish weekend usually leads to even more bullish week. Right now anyone shorting has a serious set of nuts! Based on my analysis, if price closes above 38k today then we're gonna pump to 43k very soon.
+
+[Liquidation Data](https://www.bybt.com/LiquidationData)
+What's up Apes!? Ready for some DD!?
+
+# LFG!!!
+
+\----------------------------------------------------------------------------------------------------------
+
+APOLLO MISSIONS
+
+[Apollo 1](https://www.reddit.com/r/Superstonk/comments/s24hxt/billionaire_boys_club_bbc_ep_16_part_1_the_apollo/) (Disclaimers here)
+
+[Apollo 2](https://www.reddit.com/r/Superstonk/comments/s252os/billionaire_boys_club_bbc_ep_16_part_2_the_apollo/)
+
+[Apollo 3](https://www.reddit.com/r/Superstonk/comments/s25i88/billionaire_boys_club_bbc_ep_16_part_3_the_apollo/)
+
+[Apollo 4](https://www.reddit.com/r/Superstonk/comments/s28x8z/billionaire_boys_club_bbc_ep_16_part_4_the_apollo/)
+
+[Apollo 5](https://www.reddit.com/r/Superstonk/comments/skiff2/billionaire_boys_club_bbc_ep_16_part_5_the_apollo/)
+
+[Apollo 6](https://www.reddit.com/r/Superstonk/comments/taib2v/billionaire_boys_club_bbc_ep_16_part_6_the_apollo/)
+
+\-----------------------------------------------------------------------------------------------------------
+
+I'm assuming by now you've all seen this:
+
+https://preview.redd.it/1u2r5oobvdm81.png?width=741&format=png&auto=webp&s=394cb50bd3077191d2897924648f957a541628ca
+
+Well... if you've been following along with the BBC series, you MAY remember back in [Apollo Part 3](https://www.reddit.com/r/Superstonk/comments/s25i88/billionaire_boys_club_bbc_ep_16_part_3_the_apollo/), I discussed " WHY I THINK RYAN COHEN FIGURED ALL THIS OUT... " referencing the Private Equity Hostile Takeover Playbook right?
+
+Or in [Apollo Part 5](https://www.reddit.com/r/Superstonk/comments/skiff2/billionaire_boys_club_bbc_ep_16_part_5_the_apollo/) where I threw on my TinFoil cap and REALLY went to town on why I thought Ryan Figured this all out and was essentially kicking the VULTURE Private Equity companies in the nuts?
+
+(Because remember... RC Ventures is a Private Equity Company, and he has executed a hostile takeover with Gamestop... but it's the INTENTION that differentiates him. 1, is a Vulture Fund, the other is an EAGLE fund - Ripping Apart the Vultures and building beautiful businesses)
+
+BUT...
+
+What does this little tweet, and Ryan's investment in **BBBabY** have to do with anything?
+
+Did he spot another Private Equity Hostile Takeover in progress and step in to kick em in the dick?
+
+Is **BBBabY** being naked shorted to artificially bring down the price so that Private Equity companies can buy it for pennies on the dollar, load it up with debt, drain its blood and then kick it into Bankruptcy never to be thought of again?
+
+AND... would that make it the **PERFECT** value investment opportunity that Mr Cohen could step on to make a shit ton of cash while highlighting corruption on Wallstreet at the same fucking time?
+
+WELL... we are definitely going to take a look at all that... but not straight away.
+
+Because it wasn't the references to **BBBabY** that caught my eye in this tweet. It wasn't the Masterfully crafted letter to the Board that caught my eye either. And while I did admittedly get a little lost in those eyes... it was something else ENTIRELY that piqued my interest here.
+
+**TOO BUSY TALKING TO EXPENSIVE CONSULTANTS?**
+
+No when I first read this, I thought to myself... BadassTrader, he's talking about the Company's needless expenditure. Just like the crazy sums of money the CEO pays himself. (Or is being paid to shut the fuck up and say nothing - Speculation obviously)
+
+BUT... then it dawned on me...
+
+Something seemed familiar here...
+
+**CONSULTANTS?**
+
+Didn't Adam Aron have a Consultancy company he used to hire himself out on behalf of Apollo? ( [APOLLO MISSION 2](https://www.reddit.com/r/Superstonk/comments/s252os/billionaire_boys_club_bbc_ep_16_part_2_the_apollo/) referencing how Adam Aron's consulting company, in partnership with Apollo Global Management, assisted in the Apollo Buyout of Norweigan Cruise Lines)
+
+Consulting Companies eh?
+
+So PRIVATE EQUITY companies, partner with CONSULTING COMPANIES owned by INDUSTRY EXPERTS in order to plant them into the companies that they are executing the hostile takeover on?
+
+Say it ain't so... SAY IT AIN'T SO!!!
+
+Let's take a look shall we?
+
+\----------------------------------------------------------------------------------------------------------------------------------------
+
+# Here's the Board of BBBY
+
+​
+
+​
+
+https://preview.redd.it/hqx0kxe2zem81.png?width=2000&format=png&auto=webp&s=aaae3bcf421a009aff03bbef8cf9fd4531523293
+
+​
+
+As per the BBBY Investor Relations Page here:
+
+[https://bedbathandbeyond.gcs-web.com/corporate-governance/board-of-directors](https://bedbathandbeyond.gcs-web.com/corporate-governance/board-of-directors)
+
+\-----------------------------------------------------------------------------------------------------------------------
+
+Did anyone stand out to you?
+
+Why don't we start with the trail I followed...
+
+A QUICK Wikipedia search on BBBY will lead you to this...
+
+​
+
+>In **March 2019**, three activist investment firms—Legion Partners, Marcellum Advisors, and Ancora Advisors—announced their intent to remove current CEO Steven Temares and restructure Bed Bath & Beyond’s current board of directors.  
+>  
+>The activist investors highlighted several instances of perceived nepotism, including the acquisition of Buy Buy Baby, which was founded by two of Bed Bath & Beyond co-founder Leonard Feinstein’s children, and the acquisition of Chef Central, which was created by co-founder Warren Eisenberg’s son, as examples of poor business practices at Bed Bath & Beyond
+
+3rd Paragraph under Title "History" - [https://en.wikipedia.org/wiki/Bed\_Bath\_%26\_Beyond](https://en.wikipedia.org/wiki/Bed_Bath_%26_Beyond)
+
+​
+
+Hmm... seems pretty "HOSTILE" already...
+
+I wonder how the stock looked in **March 2019?**
+
+​
+
+[\(Weekly timeframe for Scale BBBY\)](https://preview.redd.it/n8o5tpbw3em81.png?width=2254&format=png&auto=webp&s=0b55eaae384b7c3f7dced6bc2e2bcc72d5de4f32)
+
+Hmm... long period of (Naked?) shorting... followed by new management takeover to "FIX" things... but oh... why does it seem like the new management team was well on their way to driving the company into Bankruptcy?
+
+Covid 19 maybe?
+
+But there was a lower low set in Aug 2019... so it WASN'T that...
+
+Hmmm...
+
+ANYWAY...
+
+On with the Story...
+
+​
+
+>On May 13, 2019, Bed Bath & Beyond announced that CEO Steven Temares would step down “effectively immediately” and would resign his seat on the board of directors. Mary Winston, who had been appointed to the company's board as a result of the activist investment firms’ efforts, replaced Temares as interim CEO
+
+4th Paragraph under "History" on BBBY Wiki - [https://en.wikipedia.org/wiki/Bed\_Bath\_%26\_Beyond](https://en.wikipedia.org/wiki/Bed_Bath_%26_Beyond)
+
+**SO HANG ON A MISSISSIPPI DAM MINUTE...** "Mary Winston, who HAD BEEN "APPOINTED" to the company's board **AS A RESULT** of the activist investment firms' efforts..."
+
+​
+
+https://preview.redd.it/jqxpx4yhaem81.png?width=580&format=png&auto=webp&s=e0d866e2ffca160f2ac1d28ce0243bf7f00a6f31
+
+Planting members into companies as part of hostile takeovers is a thing...
+
+**I WONDER... IF MARY WINSTON, OWNS A CONSULTING COMPANY JUST LIKE ADAM ARON USED FOR APOLLO GLOBAL???**
+
+I think we have our FIRST TARGET...
+
+\-------------------------------------------------------------------------------------------------------------------------
+
+# MARY WINSTON
+
+[Planted to Bed Bath and Beyond Board by Activist Private Equity Companies](https://preview.redd.it/kqi0b3xhcem81.png?width=1200&format=png&auto=webp&s=e525a6ff1e79081288aefb3a87a26b18c4af28e2)
+
+And... of COURSE she does.
+
+Linkedin here >   [https://www.linkedin.com/in/mary-winston-1655765](https://www.linkedin.com/in/mary-winston-1655765/details/experience/)
+
+Her consulting company?  WinsCo Enterprises Inc.
+
+​
+
+>Mary Winston is President of WinsCo Enterprises, a consulting firm providing financial, strategic and board advisory services. She leverages her broad industry knowledge and deep financial expertise to benefit clients who are working to take their business to the next level
+
+(Sourced on Linkedin)
+
+Now... there is little information out there about WinsCo Enterprises, but looking at the rest of Mary's history there is definitely some interesting stuff in there.
+
+Prior to BBBY, she was Exec Vice President & Chief Financial Officer at Family Dollar... **RIGHT AROUND THE TIME** that "Activist Investor Carl Icahn (You may have heard of him) announced that Icahn Enterprises owned a 9.4% stake in Family Dollar followed by a few days later sending a letter to the board DEMANDING that they sell the company.
+
+So a Hostile Takeover?
+
+SEC Letter: [https://www.sec.gov/Archives/edgar/data/34408/000092846414000063/fdosch13damd10619ex1.htm](https://www.sec.gov/Archives/edgar/data/34408/000092846414000063/fdosch13damd10619ex1.htm)
+
+​
+
+4 Years later... she gets added to the Board of BBBY and takes over as Interim CEO when they oust the previous one. **INTERESTING...**
+
+# So how's our BOARD MEMBER SCOREBOARD looking now?
+
+​
+
+https://preview.redd.it/191h25b30fm81.png?width=2000&format=png&auto=webp&s=d56003f027dab18fffdf4980b38bd0f30589a825
+
+That's ONE consultant with TIES to Private Equity Companies added to the list!
+
+HOW ABOUT THE REST OF THE BOARD???
+
+Any more EXPENSIVE CONSULTANTS hiding in there with ties to Private Equity Companies?
+
+\-----------------------------------------------------------------------------------------------------------------------------------
+
+Next up to the bat...
+
+# Andrea Weiss
+
+https://preview.redd.it/wpg8py0r0fm81.png?width=600&format=png&auto=webp&s=b5b964b81898942189cb6d681cdd878613b4527f
+
+Andrea... runs a company called **THE O ALLIANCE LLC**
+
+There's a WHOLE heap about this company, easily accessible. She even has her own website:
+
+[https://theoalliance.com/](https://theoalliance.com/)
+
+As per her Profile on her website here: [https://theoalliance.com/o-alliance-leadership/andrea-weiss/](https://theoalliance.com/o-alliance-leadership/andrea-weiss/)
+
+​
+
+>Her clients have included both fashion and consumer brands such as L’Oreal USA, Pfizer Consumer Healthcare, Starbucks, Grupo Cortefiel, and various **global private equity funds.**
+
+So it's no secret that Andrea works with Private Equity Companies. It is funny however that she declined to say which ones they might be, seeing as she had no issue at all naming all the other companies she's worked with. (Alot more in her profile)
+
+But of course... this is the internet.
+
+I dug out this little Board Member profile on one of the companies she's worked with:
+
+[https://www.delivering-good.org/wp-content/uploads/2018/07/AMW-Bio-2018.pdf](https://www.delivering-good.org/wp-content/uploads/2018/07/AMW-Bio-2018.pdf)
+
+Which states:
+
+​
+
+>Clients include leading private equity firms such as BlackRock, CVC and L Catterton.
+
+​
+
+NOW... I wonder why Andrea would have an issue with naming the private equity companies she works with on her website?
+
+Might it be that Blackrock owns 11.8% of BBBY?
+
+Nooooo.....
+
+BlackRock Increases Bed Bath & Beyond Stake To 11.8%
+
+Forbes: [https://www.forbes.com/sites/warrenshoulberg/2020/02/04/blackrock-increases-bed-bath--beyond-stake-to-118/?sh=10d51f104aa4](https://www.forbes.com/sites/warrenshoulberg/2020/02/04/blackrock-increases-bed-bath--beyond-stake-to-118/?sh=10d51f104aa4)
+
+Conflict of Interest much?
+
+But of course... Blackrock owns a chunk of fucking everything... but this is a decent chunk.
+
+NEVERTHELESS... Consulting Company... with Ties to Private Equity
+
+​
+
+[2\/10 board members!!](https://preview.redd.it/jemqni7t2fm81.png?width=2000&format=png&auto=webp&s=d7a66f9a22c5bf7293b17fb332fe1992d22164b5)
+
+Andrea Weiss Linkedin: [https://www.linkedin.com/in/andrea-weiss-a13126](https://www.linkedin.com/in/andrea-weiss-a13126/details/experience/)
+
+\------------------------------------------------------------------------------------------------------------------------------------
+
+Up next...
+
+# SUE E. GOVE
+
+https://preview.redd.it/lkj1v2smafm81.png?width=1920&format=png&auto=webp&s=a87259936e3c162222b47c9ed2efcf42784cb44d
+
+Ok Sue Gove... again with a little Consulting Company called Excelsior Advisors LLC, who are hard to find anything about. But she has a WHOLE LOAD of Board member experience on her Resume over on Linkedin... so she definitely fits the profile.
+
+AND...
+
+Yes... I couldn't find much on her company... but Sue was kind enough to tell us all about her experience working with Private Equity companies on her Linkedin Profile:
+
+(Under ABOUT)
+
+​
+
+>Prior to Golfsmith, Ms. Gove worked as an independent consultant for Alvarez & Marsal, serving specialty retail and private equity clients.
+
+​
+
+But again... neglecting to tell us WHICH Private Equity Companies. (They really don't like it when you say their name out loud)
+
+But Sue's CRUCHBASE profile... tells us a different story...
+
+​
+
+>Prior to joining Golfsmith, Sue Gove was an independent consultant, serving specialty retail and private equity clients from 2006 to 2008, which included consultancy for Prentice Capital Management and for Alvarez and Marsal Business Consulting L.L.C. from 2006 to 2007.
+
+​
+
+And... wouldn't you know it... up until at least 2020, Prentice Capital Management was overweight in BBBY with it account for 8.97% of their portfolio as per [https://www.gurufocus.com/news/1294010/prentice-capital-management-lp-buys-bed-bath-beyond-inc-tapestry-inc-groupon-inc-sells-at-home-group-inc-abercrombie-fitch-co-proshares-trust](https://www.gurufocus.com/news/1294010/prentice-capital-management-lp-buys-bed-bath-beyond-inc-tapestry-inc-groupon-inc-sells-at-home-group-inc-abercrombie-fitch-co-proshares-trust)
+
+And BBBY MAY have been a client of Alvarez and Marsal?  [🤷](https://emojipedia.org/person-shrugging/)
+
+[https://www.alvarezandmarsal.com/insights/delivering-results-through-radical-operating-model-change](https://www.alvarezandmarsal.com/insights/delivering-results-through-radical-operating-model-change)
+
+EITHER WAY... another Board Member Consultant with ties to Private Equity...
+
+​
+
+https://preview.redd.it/r0ri35yydfm81.png?width=2000&format=png&auto=webp&s=cf91508a86913f8c5f071da57ba042817bd4fefb
+
+Sue Gove Linkedin: [https://www.linkedin.com/in/sue-gove-2227242](https://www.linkedin.com/in/sue-gove-2227242/details/experience/)
+
+\---------------------------------------------------------------------------------------------------------------------------------
+
+So that's 30% of the board that is made up of consultants tied to Private Equity... that are PUBLICALLY visible connections.
+
+Who knows what other connections there may be...
+
+Still believe RYAN COHEN is not following the **Private Equity Hostile Takeover Playbook???**
+
+(Gotta think of a better name for that)
+
+Still think Private Equity Companies don't Plant Execs in the Companies they are planning to takeover and Gut???
+
+(Cough Cough Adam Aron)
+
+Still think Ryan Cohen's Tweets haven't been talking about this all along?
+
+(cough cough Apollo part 5)
+
+Still think I don't have a clue where this series is going to lead to next?
+
+(I don't... I really  don't)
+
+Well STAY TUNED to find out...
+
+On next weeks show of...
+
+# THE BILLIONAIRE BOYS CLUB
+
+(Audience Clap)
+
+\----------------------------------------------------------------------------------------------------------------------
+
+Shout out to  [u/ThickWillingness4093](https://www.reddit.com/user/ThickWillingness4093/)
+
+Who was thinking along the same lines in their DD here:
+
+[https://www.reddit.com/r/Superstonk/comments/ta9qqo/bbby\_was\_infiltrated\_by\_former\_lehman\_and\_sacs/](https://www.reddit.com/r/Superstonk/comments/ta9qqo/bbby_was_infiltrated_by_former_lehman_and_sacs/)
+
+\----------------------------------------------------------------------------------------------------------------------
+
+Kitten Break!!
+
+[This is BEAU - I am choosing to put this kitten here instead of a puppy. I am not doing this against my will. Cats rule... dogs suck... These are my own words.](https://preview.redd.it/oo3uquzoffm81.png?width=1163&format=png&auto=webp&s=caf9352801ea380847522f18674d93ed9cf7a40c)
+
+—-----------------------------------------------------------------------------------------------------------------
+
+Apes Together Strong! Have a listen  [👇](https://emojipedia.org/backhand-index-pointing-down/)
+
+[https://www.reddit.com/r/Superstonk/comments/t1y9c3/repost\_given\_everything\_that\_happened\_yesterday/](https://www.reddit.com/r/Superstonk/comments/t1y9c3/repost_given_everything_that_happened_yesterday/)
+
+—-----------------------------------------------------------------------------------------------------------------
+
+BBC NAVIGATION
+
+[BBC Part 1](https://www.reddit.com/r/Superstonk/comments/nzkzi5/is_this_the_final_boss_john_petry_and_ken_griffin/) **IS THIS THE FINAL BOSS?**
+
+[BBC Part 2](https://www.reddit.com/r/Superstonk/comments/nzrtsq/billionaires_boys_club_part_2_the_inner_circle/) **The Inner Circle**
+
+[BBC Part 3](https://www.reddit.com/r/Superstonk/comments/nzxjra/billionaires_boys_club_part_3_the_big_boys_i_just/) **THE BIG BOYS**
+
+[BBC Part 4](https://www.reddit.com/r/Superstonk/comments/o0isaz/billionaire_boys_club_bbc_part_4_recess_is_over/) **Recess is over... You didn't think BILL GATES was involved did you?**
+
+[BBC Part 5](https://www.reddit.com/r/Superstonk/comments/o16cbm/billionaires_boys_club_part_5_the_foundational/) **The Foundational Strategy**
+
+[BBC Part 6](https://www.reddit.com/r/Superstonk/comments/oa8ynd/billionaire_boys_club_bbc_part_6_smile_for_the/) **SMILE FOR THE CAMERA KENNY...**
+
+[BBC Part 7](https://www.reddit.com/r/Superstonk/comments/oox1sn/the_billionaire_boys_club_bbc_episode_7_what_daf/) **What DAF fuck is this???**
+
+[BBC Part 8](https://www.reddit.com/r/Superstonk/comments/ope0w3/billionaire_boys_club_bbc_episode_7_the_chips_are/) **The chips are stacked against us... ALWAYS HAVE BEEN.**
+
+[BBC Part 9](https://www.reddit.com/r/Superstonk/comments/opp09p/billionaire_boys_club_bbc_episode_errr_9_steve/) **Steve Cohen... So HOT right now...**
+
+[BBC Part 10](https://www.reddit.com/r/Superstonk/comments/p1ofgr/billionaire_boys_club_bbc_episode_10_allinclusive/) **All-Inclusive Vacation of a Lifetime... to the CAYMANS! -- PART 1**
+
+[BBC Part 10.2](https://www.reddit.com/r/Superstonk/comments/p3a79x/billionaire_boys_club_bbc_ep_102_cayman_island/) **Cayman Island Getaway - How to hide money from the FBI + Brazilgate!**
+
+[BBC Part 11](https://www.reddit.com/r/Superstonk/comments/p7nl7y/billionaire_boys_clib_episode_11_bbc_billionaire/) **BILLIONAIRE BANK LOANS - Buy Borrow Die**
+
+[BBC Part 12](https://www.reddit.com/r/Superstonk/comments/pcp37f/billionaire_boys_club_part_12_bbc_please_prove_me/) **Kenny's WARCHEST - SPECIALIZED PURPOSE ENTITY (SPE) + Leverage**
+
+[BBC Part 13.1](https://www.reddit.com/r/Superstonk/comments/pv9yon/billionaire_boys_club_bbc_episode_13_part_1_do/) **Do you Swear to tell the truth, the whole truth and nothing but the truth?**
+
+[BBC Part 13.2](https://www.reddit.com/r/Superstonk/comments/pvr3gg/billionaire_boys_club_bbc_episode_13_part_2_the/) **Steve Cohen's TRUE form revealed**
+
+[BBC Part 13.3](https://www.reddit.com/r/Superstonk/comments/px80o7/vlad_lied_too_is_this_proof_and_proof_that/) **Vlad Lied too - Proof that Citadel Knew**
+
+[BBC Part 14](https://www.reddit.com/r/Superstonk/comments/qicm2m/billionaire_boys_club_bbc_ep_14_pop_quiz_whats/) **POP QUIZ - What's Safer than a Bank?**
+
+[BBC Part 15](https://www.reddit.com/r/Superstonk/comments/rfgriy/billionaire_boys_club_bbc_ep_14_the_deregulation/) **The Regulation Agenda**
+
+[BBC Part 16.1](https://www.reddit.com/r/Superstonk/comments/s24hxt/billionaire_boys_club_bbc_ep_16_part_1_the_apollo/) **The Apollo Missions**
+
+\---------------------------------------------------------------------------------------------------------------------------
+
+**Shameless PLUG:** Follow me on **TWITTER** for more GME fun:[ https://twitter.com/BadassTrader69](https://twitter.com/BadassTrader69)
+
+\---------------------------------------------------------------------------------------------------------------------------
+I've had several properties for quite a few years, perhaps this happens to everyone at some point.
+
+It's a personal injury allegedly caused by faulty building construction/maintenance.  It's a section 8 unit, fully managed, and the property management company is also named. I'm the sole owner of the LLC the building is under. I haven't reviewed my contract with the management company since I started using them, but I'll be looking at that and all correspondence near the date of the issue.
+
+The management company has been unresponsive on other (business) issues since the pandemic began, but they keep sending me the rent so I haven't complained. The incident in question was quite some time ago.
+
+My first instinct is to call the best lawyer in town and essentially hand it off to them. I'm apprehensive about contacting the management company, and I've never met the tenant.
+
+Needless to say I'm pretty nervous, any advice on what steps to take would be greatly appreciated.
+Unfortunately unlike other luckier people who have their laziness enabled by their brokerage platform popping out neat trading summaries, I've had to try to pull this one together myself.
+
+Therefore I have given my best shot at summarising my first full year of trading in real terms, with a crappy Excel spreadsheet I have been fiddling with since around tax time last year.
+
+If you have a moment to spare, feel free to mosey on through my hairbrained, ADHD mania and hyperfocused DD fuelled trading shenanigans for the past twelve months (and a few days).
+
+There is reading to do which gives actual context, but for the people with painfully short attention spans and an instant-gratification problem, there are pictures and colours and stuff to show what has been happening visually.
+
+I hope you can enjoy the gains a bit more than I have (I've been depressed, cut me some slack).
+
+\-
+
+Having been interested in making money since I was old enough to count, it was only a matter of time to when I first made a foray into share trading. I'm both surprised and glad I didn't start sooner than February 2021, I probably would've lost a lot of money instead of a bit.
+
+I messed around with CFD trading in late 2020 which accounts for most of the Capital Loss I've carried forwards from FY2020/21 into FY2021/22.
+
+Something I need to lay out clearly is I *do not have a coherent or consistent strategy* one moment I'll want to do long hold plays (1 year +), the next mid-term (6 - 12 months), then short term (1 - 6 months) with a scattering of 'day trading' stuff in there.
+
+Below is a summary of that first five months of trading when I had no clue what I was doing and the paperest hands you've ever seen.
+
+[\\"-6.25% ROI, not great, not terrible\\" - Comrade ADHD\_Distrylatlov circa. February 2022](https://preview.redd.it/mfrzans76kg81.jpg?width=686&format=pjpg&auto=webp&s=e16bdedd2433bd24609f1c86c9db13987ae839e6)
+
+So a capital loss for FY2020/21 of $987.05, and with the CFD trading losses, a total Capital Loss of $2398.00 for FY2020/21.
+
+Attentive readers may pay note to HWK (now AZL), if I hadn't paper handed that I'd be a much richer man (story of my share trading life so far). I'm still annoyed about that one because I knew HWK/AZL had a big mineral resource, I was just too worried about the opportunity cost of waiting to see the report that confirmed it. On the flipside I managed to make a small amount of money from the raging dumpster inferno of 88E.
+
+Concern about opportunity cost of waiting for my theses (which are generally pretty well read-into by newbie standards, I love reading and researching) to develop is a key driver of me semi-frequently entering and exiting positions, almost always before the key catalysts I expect.
+
+It definitely wasn't as bad as it could've been but I was basically lucky it wasn't worse.
+
+\-
+
+Post FY2020/21 I had a renewed energy and enthusiasm for stonks trading, and settled myself across a number of positions. July/August was a period of change and upheaval finishing my first engineering cadetship and moving from Dubbo to Bathurst in early July, then Bathurst to the mid-North Coast in early August to start my Intermediate Cadet placement.
+
+My ex girlfriend dumped me shortly after I decided to take the north coast placement without warning  or any real explanation. She moved on immediately with the 'guy best friend' and I've figured out in hindsight she was drifting away from me and closer to him consciously in the months leading up to it.
+
+The breakup completely shattered and broke me and I was suicidally depressed throughout September, still a husk of my former self in October, and on the road to recovery in November.
+
+I've realised I was the one doing all the work in the relationship for the nearly two years we were together, while receiving basically nothing in return. I was used and manipulated badly, and then dumped in such an awful, selfish, inconsiderate and heartless way.
+
+I call that July-December period my life recession, and I was due for one.
+
+Between all the disruptions of moving, changing jobs and job uncertainty, stress with uni, the extreme emotional duress of the heartbreak, and generally being isolated from friends, family and support networks due to COVID lockdowns and the move, I was spending far less time actively monitoring the markets between July and December 2021.  I attribute a lot of my recent success to these factors.
+
+I did a near total liquidation of my portfolio in late December expecting a crash (there was a correction, so not quite) but also wanting to free up capital to pursue a more aggressive short-term strategy to try to work/compound my money harder/faster.
+
+So, mainly due to circumstance, some good DD, better trading discipline/less paper handedness, and some decent intuition at times, I returned the following results over the July21-Jan22 period:
+
+[Decent returns during my Life Recession](https://preview.redd.it/8zwao61n9kg81.jpg?width=1244&format=pjpg&auto=webp&s=a4c7099307643f968bbe9dde261c5e1ff6648627)
+
+So far for FY2021/22 I've taken realised profits of $10,865.97 and absorbed real losses of $2,707.14.
+
+Gross Capital Gain of $8,158.83 so far this financial year. Pretty decent, but mostly luck with the markets peaking late November / early December and heading towards the eventual early January correction on Red Friday.
+
+I will give myself a pat on the back for making the decision to do a large sell-off at the end of December and lock in a bunch of profits, put down some dog losses instead of bagholding, and do so in a fairly rational headspace.
+
+I'm actually really lucky I was staring at green numbers continuously between August and December, because especially in September, that was the one thing I could sort of hold onto.
+
+It isn't a stretch to say I may not be here without that crutch I had to lean on in the absolute pits of my despair and depression about seemingly everything important in my life going to shit in September.
+
+I also started talking to a psychologist in late September and I cannot understate how critical that was to me starting to get out of a really bad headspace sooner rather than later. Health (including mental) is wealth as they say, and the last six months has really been showing my just how true that is.
+
+So I made money but now I'm just another lonely single degenerate autist again.
+
+I joined you in a seemingly elevated state of being, now I have been struck down from that pedestal. Frankly, I've realised it isn't all I'd cracked it up to be.
+
+On that note, given everything I've realised and figured out (which is a *lot* given how thoroughly I analyse and overthink things to understand *why* things happen) I'm glad to be among the great unwashed and prefer that greatly to the thought of being used and abused by her again.
+
+My focus is on myself for the moment, and while I feel like I'm coming out of a heroin addiction trying to shake my bad love habit, I have been making a lot of positive progress for myself. Plenty of setbacks too, but a net positive trend, which is encouraging.
+
+\-
+
+To put things into some better context, I threw together the following Google Sheets column graph to show the growth in my net position over the first 12 months and the relative impact of taking losses/profits across that period. Note it accounts for a pre-IPO investment, but that's only 2k which isn't much of my total amount saved/invested at this point.
+
+[Idk if I actually made this correctly, most of the growth is savings obviously](https://preview.redd.it/1hhwewg2ckg81.jpg?width=1148&format=pjpg&auto=webp&s=d394bad34b7b634e755af2d55b4397ccdbc091d1)
+
+Another thing to note is that while most of that 8k profit was actually realised in December, some of it was taken across August-November. I just couldn't be bothered to figure out the individual profit/loss figures for each month, sue me for laziness.
+
+In January I paid down the last lump 3k of my car loan which is why the December profit seems to totally vanish. I'm reading The Snowball and so parting way with 100,000 future dollars was an incredibly difficult thing to do. Eliminate liabilities first is what I keep telling myself, still feels like an arterial puncture wound given how well I did for myself in January (3k would've been more in my key growers).
+
+I've definitely been doing better for myself in the latter end of my first year.
+
+I'm pretty chuffed with the 2.5k real profit in January, which is just shy of a gross ROI of 9% in one month. I also timed the market perfectly (which is a lot of luck tbh), selling my key January growers on the Thursday.
+
+On Friday the market collectively shat itself almost as hard as Scott Morrison did at Engadine Maccas, and the correction happened. I felt pretty smart because while it was mostly luck, I did make a decision to realise the profits and not get greedy.
+
+I made a decision that was the correct one, so yay.
+
+I'll also give myself props for saving as much money as I have in such a short time period. It has taken a lot of discipline and extreme frugality to achieve, living practically bankrupt week-in week-out for the past 12 months because I dumped every paycheck into my portfolio the second I got it.
+
+That is admittedly a very bad and stupid habit, which I've now stopped. I drew up a very autistically comprehensive budget at the start of January which I'm quite happy with. I digress.
+
+\-
+
+As of today, my current market position is as follows:
+
+[Net Market Position](https://preview.redd.it/g55hht6qckg81.jpg?width=1864&format=pjpg&auto=webp&s=d04b04243ebbea4441f8d6f955d8f8c1a0b06dc6)
+
+To be honest this one is probably the most confusing but like any spreadsheet, only the crazy person that made it can ever really understand it.
+
+Basically I count money out of my debit account into my portfolio as negative, credits as positive, so I know the underlying real investment. It works ok give me a break.
+
+For general interest below is the summary of all trades lifted straight out of the CommSec Confirmations screen:
+
+[Someone can probably make sense of what this says about me as a trader, I can't](https://preview.redd.it/ascf2bpadkg81.jpg?width=1129&format=pjpg&auto=webp&s=0935837b53163f49daf0bd5545d522e6bdd1be18)
+
+What I gather from the above is that I have been actively trading quite a lot.
+
+I also judge myself as doing pretty shit in broad terms, considering I've moved 168 grand through the markets and only have 4k profits after tax to show for it, a 2.4% ROI (fucking *shite*).
+
+Having said that considering it is only my first year of trading, I have made money and I consider that a good thing. Yes there have been crazily positive market headwinds during most of that time, but that doesn't guarantee making money. It's a start, but as most should know the key isn't one off stroke of brilliance moves, it's consistency. Consistency is key, and that's the key test for myself going forward.
+
+\-
+
+For some fun here are some key figures of my biggest individual gains, losses, and a few 'would have been could have been' if I was more patient.
+
+Biggest gain: GL1 - 203.76% profit, $3000 gross profit, $2100 net profit (assuming 32.5c/$1 tax), 88.3% Net ROI.
+
+Biggest loss: SRK - $795.89 (was -$1659.41 but gained a bunch back in January). Unsure of net % loss, I was trading it too much.
+
+Funniest loss: RNU - sold 29th Dec at 0.120 for a $96.15 loss, it proceeded to moon literally the next day of trading. Colour me embarrassed, bit of egg on my face.
+
+Missed gains:
+
+HWK/AZL - held at 0.042, sold out in June. 350% potential gain missed.
+
+GL1 - held at an average 0.262, sold at 0.511 for a 200% profit on the 31st Dec. If I'd held another week it would've been 320%, another two weeks would've been 515%, another 3 weeks nearly 6 bagger for a 580% profit at the peak. Sort of cheated myself out of another $3750 in profit. To be honest though I'm happy. Made a decision to be happy with a 200% gain, didn't let greed drive my choices.
+
+TOE - bought at 0.016 on the 10th August, sold at 0.023 on the 3rd of September, it continued to moon to what could've been a 200% profit. In my defence, I was in the most fucked headspace I have ever been in during that first week of September. I was so broken, depressed and forlorn I was absolutely certain nothing good would last, so I sold in a fit of immense pessimistic doom about everything. Silly depressed me.
+
+Theresis others but thems the big ones that done got getted away furm mah dumbass.
+
+\-
+
+Currently my market CommSec portfolio is at a 8% loss which I expect will worsen in the next few months. I've consolidated my capital and have less securities relative to what I once held. I've concentrated more money in a few key positions (by volume), one of which is what I consider my first true deep value play.
+
+I'm bearish for the next 12 months just because all markets have been so crazily overheated over the past two to five years something has to give, and a 10% correction isn't it.
+
+Nonetheless I'm very excited to see if my key bets come good in the next six months or so.
+
+If you're still here, thanks for reading.
+
+\-
+
+TLDR: money doesn't buy happiness but I've been thoroughly enjoying myself and generally trending in the right direction over my first year of trading.
+
+Cheers fellow autists.
+TL;DR: rare earths go brrrr; IXR has a massive easy to mine deposit which will make the stock price go brrrr too.
+
+Update: independent research report calling this the holy grail of REE deposits. See [here.](https://www.hallgartenco.com/pdf/RareEarths/IonicRE_March2021.pdf) 
+
+
+So here goes my first YOLO and DD all in one.
+
+Who ever it was that posted a request to be told about a YOLO before it rockets, here it is.
+
+We all know the value being placed in speccy miners right now, but i think IXR (Ionic Rare Earths) is one that has been really overlooked.
+
+**So much so that I've gone for a $50K YOLO on them.**
+
+​
+
+https://preview.redd.it/qussau89opm61.png?width=985&format=png&auto=webp&s=d8615e62215fb3d14c42d4ae1a8f063789d71ab6
+
+Heavy and Critical rare earths are in all the cool new toys that we all use every day and the ones we love the idea of going forward.
+
+They are used for everything from iphones to wind turbines to fighter jets and are critical for the creation of electric cars.
+
+**Market opportunity:**
+
+The vast majority of the rare earths trade comes from China, who have said two things recently:
+
+1. They have a dwindling supply compared to what has been available over the past 40 years.
+2. They are going to prioritise supply into their domestic market
+
+When this was announced you saw companies such as Lynas jump 10% as non china suppliers will become crucial going forward.
+
+​
+
+**So where does IXR fit in:**
+
+IXR have a huge Ionic clay rare earths deposit in Uganda.
+
+These deposits are the same type of deposits that are mined in Southern China.
+
+IXR recently announced a major upgrade (300%) of their resource estimate for the deposit and have flagged that nearby tenements they are still drilling into have the possibility to increase the overall size of the project another 50% (So 450% above original estimates).
+
+See here: [https://smallcaps.com.au/ionic-confirms-boost-makuutu-rare-earths-resources/](https://smallcaps.com.au/ionic-confirms-boost-makuutu-rare-earths-resources/)
+
+​
+
+**Why are they undervalued:**
+
+Unlike most other non-China rare earths companies, Ionic clay deposits are very easy to extract as they are effectively already separated from rock through natural methods.
+
+The deposits are just below the surface.  You'll note in the docs below that most drilling was down only 17m. Compare that to oil/etc etc that often need to go down kms.
+
+So that makes ionic clay deposits incredibly cost effective to mine with a massive margin.
+
+Couple that with the increasing cost of Rare Earths it makes the IXR project very compelling.
+
+Further, the MD has also flagged there is the possibility to produce Scandium from the same mine, setting up a second significant revenue stream.
+
+Checkout this comparison from SetFireToTheHive (who i think is well known on hotcrapper) which shows the relative margins on ionic deposits vs those embedded in rock and you can see the massive difference in margin.
+
+[https://twitter.com/setfire2thehive/status/1364479875118112769](https://twitter.com/setfire2thehive/status/1364479875118112769)
+
+Compare the margins between VLM and IXR and you can see how undervalued IXR is, noting that VLM has a roughly 50% higher market cap at the moment.
+
+You can also see it called out here:
+
+[https://stockhead.com.au/resources/whos-leading-the-race-to-join-lynas-as-australias-next-supplier-of-rare-earths/](https://stockhead.com.au/resources/whos-leading-the-race-to-join-lynas-as-australias-next-supplier-of-rare-earths/)
+
+Further, IXR has just done a $12m cap raise which landed late Feb at 4c a share (Current price is 4.8c) so they are fully funded through to end of 2022 and the bankable feasibility study and mining licence application.
+
+**Management Team:**
+
+They have a whole bunch of guys I've never heard of with very impressive LinkedIn pages that show experience in bringing these types of projects to production.
+
+See: [https://ionicre.com.au/why-ionic/leadership-team/](https://ionicre.com.au/why-ionic/leadership-team/)
+
+But what really sells it for me is that the management team has a 10% stake in the company, which means their interests align with ours.
+
+In fact in the video linked at the bottom you can see the MD talk about their cost management and how they are doing everything they can to make the most of every dollar. So far they have succeeded spending only $4m to get to this point of an approx $150m market cap.
+
+​
+
+**What are the risks:**
+
+It's in Africa.
+
+That was the first thing that came up here, however i think this is a perception issue more than a practical one.
+
+The deposit is in close proximity to tier 1 infrastructure, including a major rail line and port to be able to ship the product all over the world.
+
+Further, their holding is through a ugandan company which includes ugandan nationals which have links to government and decision makers. This could mean they are greasing their palms, but the end result would be the same.
+
+Also, these projects provide major employment opportunities to local communities so there is strong government incentive to get them going, and it's unlikely ScoMo will pop up at a press conference and say he doesn't like the project on a whim.
+
+It's still early.
+
+Production is slated for start of 2023 and alot of shit can happen in two years.But that is also why now is the time to jump on. At production, it's a $1b+ company, so at a current $150m ish market cap, it's a 5-10 bagger easily within 12-24 months.
+
+But once the scoping study is out (See below) there is no way it will stay around the 5c mark that it's at today. In fact any buy under 5 is a steal.
+
+Rare earths prices can fluctuate.
+
+Yep, in the past rare earth prices have fluctuated wildly, but that was before we planned to ban ICE engines and swap to electric cars, or before we were shutting down coal power plans and building wind turbines everywhere.
+
+As the demand for these minerals sky rockets, so will the price (as it has already), and you'll see far less fluctuation in market price.
+
+​
+
+**Why is now the time to jump in:**
+
+The resource estimate saw a major jump in SP followed by a pull back most likely because of the CP sellers getting out and/or short term profit taking.
+
+The price is now back to pre resource upgrade levels (which is crazy) suggesting some of it was priced in.
+
+However, what is definitely not priced in is the financial scoping study which is due by the end of this month.
+
+We know the scope is complete because the company that did it posted it on linked in, so it could drop any day now.
+
+[https://www.linkedin.com/company/newpro-consulting-engineering-services-pty-ltd/](https://www.linkedin.com/company/newpro-consulting-engineering-services-pty-ltd/)
+
+Watch the video below and you'll see the MD talk about the scoping study giving the market the "true sense" of the value of the project. My view is that this will have a major re-rate once that study goes up and the market obsorbs it.
+
+[https://cruxinvestor.com/videos/ionic-rare-earths-ixr---13m-delivers-feasibility-study-by-ye21](https://cruxinvestor.com/videos/ionic-rare-earths-ixr---13m-delivers-feasibility-study-by-ye21)
+
+I think it's highly likely the SP will run to 6ish on the expectation of the news and into the 7s and 8s (at a minimum) once the scope is released showing just how profitable the ionic clay deposit will be.
+
+If they release further drill results increasing the size of the deposit, that would also see the SP jump.
+
+Lastly, if the above hasn't helped, do a search on twitter for $IXR. you'll see a number of popular twitter traders posting about the potential for IXR and the massive opportunity it has infront of it.
+
+Anyway, hope that helps everyone. It was great to put down on paper just to solidify my own thinking. Hopefully it helps someone else.
+I know we all on here talk about only being able to share our most intimate financial details with this sub anonymously, so I'm curious what the WORST result is of some of you not adhering to this advice and having it blow up in your face?
+After the interest rate rise and oil crossing 100 CAD mark, my understanding was that CAD should go up. I know it’s being said economy has been decoupled from oil, but 120$ barrel should have some sort of impacts, unless other have lost faith in Canadian economy.
+Final edit: I took some people’s advice and just called State Farm myself. Had full coverage in about  10 minutes for $250/month ($2500/yr). I think the agent saw a rich guy who will pay whatever when they were trying to sell me a policy for 15k.  
+
+Edit: thanks for the comments. Lots of people state it’s my driving record but I haven’t had a ticket or accident in 15-20yrs. No dui either. I’m 43 and have multiple other 100k+ cars. I’ll try Chubb or State Farm. 
+
+I recently bought a Ferrari but have been having difficulty getting insurance for it. Several companies want me to own it for a year with a clean driving record before offering a quote. One offered me insurance but is a bit exorbitant (15k/yr). Any ideas before I spend the 15k? Already using a broker and tried bundling everything.
+I’m having extreme difficulty reconciling the cost of a nice house in my part of the Bay Area with how much I make and my desire for financial independence. I keep running the numbers and a $2.5 million house seems affordable with $100K in savings a year still. That will get about 1800-2000 square foot 3 or 4 bedroom house build 80 years ago. If you want much nicer or bigger you’re talking $3M+. Moving to a cheaper area is not on the table due to my relentless pursuit of a short commute. 
+
+Currently no kids but planning to start in the next few years for 2 or 3 kids.
+
+The banks are happy to loan me $2M but I’m worried about over leveraging and ending up cramping my modest but comfortable lifestyle, or having to work in big tech for the next 25 years.
+
+My goals are to continue to advance my career but I might want to take a few years off to work at a startup or make that video game I’ve always wanted, and be out of the daily grind all together bit before 60.
+
+Is there anyone that’s been through a similar situation that can share some sage advice?
+https://www.bloomberg.com/opinion/articles/2021-12-28/the-sec-is-going-too-easy-on-insider-trading
+
+At long last, the Securities and Exchange Commission has sketched out a plan to address a difficult issue in the U.S. stock market: how and when corporate insiders, who inevitably have better information than the investing public, can legally trade in the shares of their companies.
+
+The proposal is good, as far as it goes. But it could do a lot more to assure regular investors that insiders aren’t taking advantage of them.
+
+Under current rules, executives and directors can largely avoid charges of illegal insider trading by setting up a predetermined schedule of sales or purchases, known as a 10b5-1 plan. Yet if they know that their company is about to do a big deal or report some bad news, there are still plenty of ways they can use such plans to act on the information. They can set one up for a single trade and act on it the next business day. They can set up multiple plans, then cancel the disadvantageous ones at any moment. It’s hard for the public to understand what’s going on, because many of the relevant details of the plans typically aren’t disclosed or are hard to find.
+
+Now the SEC is moving to make the plans harder to game. Its proposed new rule would establish a 120-day cooling-off period before a first trade can be executed — long enough to erase any informational advantage the insider might have when a plan is created. It would limit single-trade plans to one per year, and effectively disallow executives to have multiple plans simultaneously. All these are positive changes. But in other areas, particularly public disclosure, the SEC’s proposal falls short.
+
+Right now, when an executive creates or terminates a 10b5-1 plan, it’s up to the company to decide whether or not to disclose the move. For example, as far back as 2004, Cisco Systems would regularly file 8-K disclosures about such plans, including the executive’s name, the number of shares and the timeframe for the sales. But starting in 2018, the company stopped providing that level of detail, with no explanation. Absent any formal rules, the company and its lawyers could pick and choose what they wanted to reveal.
+
+The new proposal would require companies to disclose the plans in their quarterly 10-Q financial reports, with some added information (on stock options, for example) in their annual 10-K reports. That’s not good enough. To be truly useful to investors, the disclosure should happen as soon as the plans are created or canceled – for example, under 8-K rules that require filing within four business days, as the SEC’s own investor advisory committee recommended.
+
+Why would the SEC go against investors’ recommendations? Most likely, to satisfy the two Republicans among the agency’s five commissioners – one of whom, Elad Roisman, publicly stated that “this wasn’t the rule I would have written.” The proposal ultimately garnered unanimous support, a rarity in these times of political divisiveness. But even the modest disclosures it requires could yet be watered down or eliminated when corporate law firms start chiming in.
+
+Recent history isn’t encouraging. The SEC was actually more ambitious in 2002, when it proposed that 10b5-1 plans be subject to 8-K disclosure. But various commenters, including large brokerage firms such as Charles Schwab, complained that the requirement would “confuse investors.” Others objected to the added paperwork. The idea was dropped.
+
+As an avid reader of SEC filings, I’ve long argued that more and better disclosure benefits all investors, even if it means a bit more work for the folks that prepare these documents. The latest proposals, assuming they survive corporate lobbying, are a step in the right direction. But they still won’t provide nearly enough information in a way that matters for ordinary investors.
+Hi all,
+
+I am an intro investor, I legit just started investing last month. I put everything in my TFSA, not really thinking about how volatile some stocks may be. For instance, I've got GDNP and the BTCC ETF in my TFSA, which I consider to be more volatile. I'm now realizing that it might be a better have been a better to put these more volatile stocks into my RRSP vs more stable ones in my TFSA.
+
+I plan on holding onto my stocks for as long as possible. I might sell GDNP and BTCC depending on how volatile they are, but that will likely be years from now. Is it worth to keep them in my TFSA?
+
+Like I said, I am a beginner. I was wondering if it was even worth selling these stocks from my TFSA and repurchasing them in my RRSP?
+I’ve just have a windfall of $150k (inheritance).
+
+I know I’m not financially literate, I know I’m generally bad with money. I don’t really understand stocks or the property market but somehow I’m ok, no major debt. 
+
+How can I best use this money to build wealth and maybe have some financial hope?
+
+I have talked to a number of wealth managers and financial planners and they all seem like scammers frankly. 
+
+Any help would be appreciated please.
+I live in Myanmar(Burma).So,cryptocurrency and most social media have been banned in my country for a long time including Reddit.I'm currently using a vpn.I don't trust the government one bit,so,I decided to put my money into crypto most of it in CEXs on my mobile because I can't afford the gas fees to transfer and to buy hardware wallets at the moment as I'm saving money to flee the country.
+
+This morning,the government in my country announced a new fucking cyber law that we will be jailed [3 years for using a vpn and 1 year for using crypto](https://www.facebook.com/100044378711419/posts/532725478216738/?d=n).Should I be worried and take my money out of CEXs?If I keep using CEXs like Binance and Crypto.com with a vpn,can the CEXs ban me or freeze my account ?
+
+Sorry if there were any mistakes as English is my second language.
+
+Edit:There is a guy in the comments using my name and asking to donate.He is a scammer,please don't sent him any kind of money.If you wish to help,DM me.
+
+Edit 2:Why are they banning VPN?
+
+Answer:We are using social media that they have banned like Facebook and Twitter via VPNs to spread news about what's happening in Myanmar,about their mass murdering,about burning people alive and whole towns and villages,about soldiers raping women and killing them afterwards.We are also watching ads with USA VPN to generate more money on revolution websites where we can watch ads and donate the revenue directly to rebels who are fighting the dictatorship.That's also the reason why mobile data prices have skyrocketed more than 5 time than it was before the coup.
+I'm not trying to brag, well maybe a little bit. I owe everything to my parents really, as they are the ones who got me into real estate. When I was 19 years old they had the idea to help me buy my first rental. I was working at subway all through high school and had about 11k saved up. I never needed to spend it on anything.  And when the market crashed in 2008 there were a ton of cheap properties. (I didnt get the first place until 2011). My parents helped me buy and find a townhouse which was a forclusure and I got it for 55k. My mortgage was about 298 a month with a 150 hoa. I was making around 300 a month off of it. Well, this last year I sold the place for about 125k. Made a solid 75k after all the fees and stuff. I bought a 2 bed 1.5 bath house with 45k down. We are now moving from this house we have been living in and just got a tenant in it. We should be profiting about 500 a month.  Plus, still have a good chunck of change left over. Thanks for hearing my story. 
+I am probably a much older ape than most here so I will keep this short. Throughout my life the wealthy have partied while the working class and poor have paid the bill.
+
+It's happening again, too many times for me to look forward to retirement comfortably after a life of work and playing their game foolishly. The only thing that will prevent you,  your kids and grandkids from suffering the same fate is a united front and a concerted effort to change things.
+
+No matter what you are stronger together and don't let them divide you like they have so well to my generation. 
+
+Good luck.  (Mods feel free to change flair or delete)
+We stopped by an open for inspection near us of a sizeable two bedroom apartment with an interesting vibe. while we were there my wife looked at the basic equipment in the kitchen and muttered that it looked like an Airbnb - suddenly everything fell into place. The size, location, the ‘OH THE PLACES YOU’LL GO decay on the staircase walls, the Ikea artwork on the wall. So chalk one up...
+
+Anyway the agent mentions in passing another unit in the block is up for sale and wouldn’t you know it... exact same artwork on the wall, basic kitchen supplies, Airbnb vibes. 
+
+[Here’s the listing for the first one for the interested](106/16-22 Cobden Street, North Melbourne, Vic 3051 https://www.realestate.com.au/property-apartment-vic-north+melbourne-133584178)
+
+Listing for first apartment: 106/16-22 Cobden Street, North Melbourne, Vic 3051 https://www.realestate.com.au/property-apartment-vic-north+melbourne-133584178
+
+Listing for second apartment: 107/21-27 O'Connell Street, North Melbourne, Vic 3051 https://www.realestate.com.au/property-apartment-vic-north+melbourne-133634738
+
+It appears at least one person in our area has decided it’s not worth waiting on Airbnb returning to sell. Otherwise stock is low, quality generally poor. 
+
+So, what have your observations this week?
+Welcome to the Daily General Discussion thread of /r/EthTrader.
+
+***
+
+Thread guidelines:
+
+-  Please refrain from discussing non-Ethereum related tokens here. You are welcome to discuss altcoins in the Daily Altcoin Discussion thread.
+-  All [sub rules](https://www.reddit.com/r/ethtrader/about/rules/) apply here so please be familiar with them.
+
+***
+
+ Resources and other information:
+
+* Newcomers who have basic questions about Ethereum can find answers by visiting /r/EthereumNoobies or our Ethereum Education wiki page, [see here](https://www.reddit.com/r/ethtrader/wiki/education).
+
+* To view live streaming comments for this thread, [click here](https://reddit-stream.com/comments/auto).  Account permissions are required to post comments through Reddit-Stream.com.
+
+***
+
+Enjoy!
+
+Why are they looking to raise capital? And is this related to some short positions earlier this year? And who is going to bail them to avoid markets melt down? Too many questions and the news are not doing this event justice, which makes it feel like 2008 but in a European fashion.
+Currently work at 'A' in FANG - have been there over 5 years. Have watched my RSU's appreciate nicely - originally getting them at $600 and now AMZN stock price is ~3250. 
+
+As such, I feel I am kind of over exposed to AMZN. We have 20% (200k of 1mil assets) in AMZN stock. I'll continue to get ~30k more every 6 months in stock (more actually with an expected upcoming promotion)
+
+I feel I am a bit over-exposed especially since I work at AMZN as well. On the other hand, I feel like AMZN is in an excellent position in this pandemic. 
+
+Do you think I should liquidate my position a bit? Maybe just sell all upcoming RSUs vesting and put them in index ETFs? I'm torn on this. The 75% of my portfolio is in mostly Index ETFs + cash. 
+
+Thanks
+I’m in a pretty good mood today, but can’t really share why with anybody IRL, so I figured I’d share here. 
+
+For some background, I've been a regular reader of /r/financialindependence since I was a Junior in high school.  Originally, I was just curious about finances and the stock market in general, but over time began to realize that the idea of becoming financially independent appealed to me.  Thus, I resolved to devote myself wholeheartedly to that end once I got a job.  That ended up being pretty quick, as I decided later that year to enlist in the Air Force for personal reasons.  After graduating High School, I quickly left for basic training, and from there began to put into practice what I had learned.  
+
+There were some rough patches here and there, but a little over two years later I hit my very first personal milestone:  [$50,000 in net worth.]( https://imgur.com/7iKNBIf) On top of that, I have a fairly nice car, a great credit score, and, thanks to my military benefits, my future college degree all but paid for.  It might seem cliché to say it was all thanks to a forum on the internet, but honestly, it’s the truth.  Without r/FI, I never would’ve known to save any of my money (much less >50%), wouldn’t have known to start building my credit early on, would’ve likely bought a car I could barely afford with an outrageous interest rate loan, and probably wouldn’t have realized anything was wrong until reality slapped me in the face 10 years down the line.  I can say all that with relative certainty because I’ve been watching many of my peers make those exact mistakes over these past two years, blowing every paycheck down to the last penny.  
+
+I realize I’m still young, and have a long way to go, both in life and in my journey to FI, but I just wanted to thank all of you here who contribute your thoughts, research, and experience to this subreddit.  If there is anything I’ve learned thus far, its that I still have a whole helluva lot of learning to do and mistakes to make, but by hitting my milestone I feel like I’ve at least proven to myself that I can do it if I stick with my plan.
+For ages I kept hearing that CAP REIT was the largest in the country, followed by RIOcan in second position.
+
+​
+
+I just today read part of this article:
+
+​
+
+> Choice Properties is Canada’s largest REIT with a portfolio of 701 properties. About 79% of its assets are retail, and the remaining are industrial and residential.
+
+​
+
+Now I don't know what to believe...  I guess it depends on how you break it down?
+I disagree completely with the assertion that we need memes back.
+
+I have learned ABSOLUTELY NOTHING from WSB ever since 10,000,000 apes piled in here with their bullshit pictures and jokes. It's funny sure, but I want to make some fucking money. I am not here to get a little chuckle at how much money you lost because you YOLO'd your entire portfolio on a single Jim Cramer tip.
+
+Things were WAY better before.
+
+I was creeping this place back when we had like 300k members, and buddy, I learned some serious shit. Everyone once in a while, I swear the smartest mother fuckers in the world would step down from their ivory towers on Wall Street and bless some scrubs with information that their bosses would pay them 8 figures to write. This subreddit had top quality DD written by absolute professionals who were slinging around millions of dollars.
+
+The DD's back then were real, not just a bunch of morons trying to justify their latest gamble into a trash penny stock.
+
+Sure you miss your stupid fucking pictures of the exact same photo with new text about the latest shitty company that flopped earnings.
+
+Do you know what was even better than memes? When I came in here and saw people piling into Hertz the day it declared bankruptcy and they all made bank.
+
+How about the time we all got the bright idea to pile into BlackBerry days before they signed a deal with Amazon and it went vertical?
+
+Do you know what else was fucking wicked? When dozens of people in WSB concocted conspiracy theories about Palantir, and this entire sub jumped into the direct listing at $9 before a single institution got in, and we tripled our money in two months. (After sure enough - Joe Biden hired a former PLTR consultant to run the entire department of national security.)
+
+I cannot recall a single community win like this since the memes took over, and I still come to the sub multiple times a day.
+
+Do you really think all these moronic TikTok screenshot GIFs are going to help you find the next game stonk at $2.50? Fuck off.
+
+Fuck your memes. Go back to Instagram and Twitch with the rest of the broke kiddos.
+I'm in Arizona and it sure seems like buying a property to rent out isn't a very good deal these days.  Potential deal is 375k asking price.  Property needs 30k in repairs.  Even if I could get property for $300k and put the $30k cash into it and then refinance it into a 30 year mortgage and leaving 66k principal on the property the mortgage payment taxes and insurance is 1828 a month    Rent on the property would be 2100 a month or so.  Just seems like a crappy return on investment.  Thoughts?
+I bought in 2017 and proceeded to hold under water for 3 years. I gave up checking the price completely. But after years of waiting not only did I make money but it eclipsed my entire investment portfolio. 
+
+I hope if you’re holding underwater right now that the same thing happens to you. It’s definitely possible and it’s the standard pattern we see in crypto!
+A reverse-merger, or any sort of CUSIP # change or name change, will not work, and here’s why:
+
+
+1. Dr. Trimbath, Naked, Short and Greedy: Wall Street’s Failure to Deliver, Page 172-173:  “I had drinks with a person who is an expert in clearing on Friday. He said Patrick should do a rollback (he could always do a forwards split later) and change his CUSIP number. Is my friend right that this would force the system to reconcile all the claims into real shares? No, your friend’s suggestion could result in the issue being frozen at DTCC.” [Image](https://imgur.com/a/Jf5TClN)
+
+
+2. Dr. Trimbath, Naked Short and Greedy: Wall Street’s Failure to Deliver, Page 41 (41 on the PDF, might be Page 43 in the paper copy): “Companies victimized by short sales, stock lending and settlement failures made numerous attempts over the years before 2003 to fix the problem: declaring reverse stock splits, recapitalizations, name changes, the issuance of warrants and “loyalty shares,” etc. All these efforts failed and eventually only made it impossible to fix the underlying regulatory failure.” That last line makes it seems that a change would actually make the problem *worse*, but I don't know. [Image](https://imgur.com/a/U2gZ12i)
+
+
+3. In that same article that one of the original DD’s linked (https://theintercept.com/2016/09/24/naked-shorts-cant-stay-naked-forever/) they wrote “Once that CUSIP changes, the naked shorter has no apparent way to close out the naked short position. No stock under the old CUSIP number exists anymore; it all automatically converts to the new CUSIP. Those trades can sit in the Obligation Warehouse forever, in theory. But the “aged fails” — essentially orphaned naked short transactions — remain on the naked shorter’s balance sheet as a liability to be paid later. By DiIorio’s reckoning, then, the cycle of naked shorting and reverse splits would inevitably result in an ever-increasing number of aged fails. And if that was happening, and those liabilities grew bigger and bigger, then federal regulators could see the outlines of the scheme on any financial statement.” Meaning that it would not be a catalyst but rather a stain on their balance sheet that might look bad but wouldn’t for the shorts to do anything. Historically, it seems that the naked shorting issue would just get frozen at the DTCC in limbo and not actually addressed. *Also I reached out to the author on twitter and he has yet to reply so I'll update this if he does I guess.*
+
+
+4. And [this tweet](https://i.redd.it/k1h6uwj0bb271.jpg) from Dr. Trimbath in which she states it’s not the move.
+
+
+5. Take a look at [this Forbes article](https://www.forbes.com/2006/08/25/naked-shorts-global-links-cx_lm_0825naked.html?sh=7940abe48400) regarding Global Links Corp when they tried to do the same thing in 2005 even after RegSHO was passed. It states the following: “In the first four days of trading, more than 143 million shares traded hands. This is despite the fact that the stock was trading under a new ticker and a new trade tracking number, and despite the fact that it had only 1.1 million shares issued. The Depository Trust & Clearing Corp., which handles the lion’s share of U.S. stock settlement, had just 929,277 shares available for trading.” [Thanks /u/Warm_Fudge](https://www.reddit.com/r/Superstonk/comments/ngj4br/using_pure_logic_why_gamestop_will_be_the_ones_to/gyrjh10/)
+
+
+I don't want to say [this post](https://www.reddit.com/r/Superstonk/comments/n7bv2h/ryan_cohens_kill_shotthe_reverse_merger/) and [this post](https://www.reddit.com/r/Superstonk/comments/nnmb4c/tombstone_tweet_confirms_reverse_merger_reposted/) are FUD, but the seemingly only source they have is the same article that says it wouldn't force the shorts to do anything, and Dr. Trimbath's work directly disproves it. 
+
+
+Voting and a crypto dividend are still cool though 👍
+
+
+Thanks!
+What do you like to do to help visualize and commemorate your progress toward FIRE?
+
+Some may think this is a silly idea, but the money I've saved is essentially just looking at numbers on a screen displaying dollars at a bank somewhere. Sometimes that feels a bit bland- I wanted a way to commemorate and reward financial progress with something tangible. Compared with chests of jewels, precious metals and tangible wealth centuries ago... a few commas on a screen doesn't have quite the same panache!
+
+So, for every $100,000 I've added to my net worth, I purchase a 1oz Fine Silver dollar minted that year. I call it a "Freedom Chip";  a little piece of the freedom I'll have once I collect enough chips. They are relatively cheap ($20-$30) and as a precious metal, are conceptually representative of wealth itself. The goal here is not to actually invest in precious metals, but just to serve as a "souvenir" along the financial journey. They're a big coin, relatively heavy, and satisfying to hold and think of as each representative of $100k. When I hit my FIRE number, I'll get a pure gold coin and make a nice leather pouch to jangle them around in.
+
+Cheers
+
+​
+
+​
+Seriously, I posted a few months ago talking about the regional branch bank runs and got shit on. But, the problem has only been compounded. Banks in China are now classifying peoples personal savings as "investment products" and halting withdrawals officially. [Tanks](https://www.ndtv.com/world-news/video-shows-tanks-protecting-crisis-hit-banks-in-china-internet-says-history-repeats-itself-3175812) have been reportedly sent in to protect crisis ridden banks from protesters storming the banks. We shall see if this spreads to all the mainland. 
+
+I feel like China is the elephant in the room, like the bond market, that everyone pretends they know what's happening and just say its rock solid. Good old SHHina has taken a shlacking the past few months as the facade of the CCP leverage fueled economy is starting to slowdown, especially the retarded property market. History would say that massive upheavals like this usually does not bode well for foreign investment. I wonder what will happen to all the western companies that sacrificed their first borns to gain access to the Chinese market I.E. all of Shenzen, Apple, Tesla, Microsoft, Disney, etc. etc. 
+
+Pulling old reliable, China has turned to Excalibur... Printing more money. It's a bold move cotton, lets see how it pans out.
+Can someone show me the bullish case for BBBY? If you're playing a squeeze thats one thing, but I'm seeing people talking fundamentals like they're fantastic.  From where I'm standing, I'm seeing a company with shitty earnings, bleeding cash, and looking into personal loans (lol) to stay solvent. 
+
+Let me know how I'm wrong.
+Maybe I'm too pessimistic but it seems like the government wants you to think that your spending (wasting!) more money on medicare by having it listed separately. Why isn't there a defence levy or a politicians pay levy?
+I think I know the answer to this but I want to ask the question to make sure I am not missing a trick.
+
+I'm looking to get an office built in my garden. I've reached out to a couple of contractors to get some quotes in and the quotes range from about £16k to £19k for what I am after. The more expensive end actually seemed like a better developer, a little more professional with how they surveyed the scene and the quote came through in a really nicely formatted PDF, whereas the lower end quote was a much more bog-standard word doc. 
+
+I asked the more expensive guy if he could move on the price, so he came back to me somewhere around the £17k which felt much more reasonable. I was ready to say "Yup, I'll go with you" when he dropped a bit of a bombshell - he wants that in cash, in 3 separate installments.
+
+I'm used to dealing with contractors (Plumbers, electricians, etc.) who only take cash for smaller jobs, £50 or £80 here and there, but this is a lot of money and I don't think my bank would even let me take out such an amount without asking me a lot of questions first. He claims this is a "Cash discount" and the only way he could compete on that price, but it seems super bloody sketchy to me and I am ready to walk away from that developer entirely for even suggesting it.
+
+Am I being dumb or naive here or is this a massive red flag?
+
+EDIT: WOW, there's a lot of comments on this one! I'm so sorry I cannot possibly reply to every response here, but I appreciate all of your thoughts and ideas, some really great advice in this thread! Thank you!
+I feel a bit lost in my day to day life, and finding it hard to describe what it is. I've always downplayed my NW and investments a little bit as I made similar salaries to those around me. But recently I got an unexpected windfall that meant I reached FI (\~6mm NW). Other life events (bad ones) meant I had to take long leave from my job and because of circumstances I quit, and it was a good decision. Now I can no longer hide that I can live off of passive income. And that I already had the security to quit during the pandemic anyway. I'm not eating into any principle.
+
+This is a strange position to people who know me. I have told a few people only but feel fake if I keep hiding it, yet I don't know how much to reveal. In a few short months I feel like my concept of money already changed as I've had to think of bigger life changes. Been opening my eyes to the world of 'HNWI' which I hadn't really thought about before and the opportunities it opens. Been more giving overall too. More flexible about spending. Partly because previously my funds were illiquid so I could pretend they don't exist, and now they're liquid and accessible. Oh PS I haven't been on a FIRE journey even though I've been steadily investing... so finances and wealth haven't been a main feature of my thoughts and it's not a hobby like it can be to some. 
+
+I dunno, it's like I feel my identity shift and I don't know how to be open and authentic about it all, while wondering if i'm being silly and if i can just be honest. But it's such an unrelateable situation to others around me and i know it's an enviable position when people feel underpaid, wish they had more time, or wish they had freedom to do xyz. My family were/are pretty dysfunctional about money so I don't know if I have some issues there too that are holding me back. But I found this sub where you're all so upfront about wealth so it's nice and i thought i'd ask you lol. And hope to find ease again. Like some of my wishes are big donations and helpful projects I plan to fund out of pocket but even so I still feel embarrassed/ashamed to tell people. Also I have a chronic illness and don't come across as someone who can work more than regular FT hours (I don't) so I feel as if i need to explain that as well... I haven't even been upfront about being relatively financially savvy and interested. I'm in my early 30s, female, in a job/industry/peer-group that don't talk about money so it's alienating. Man i don't even know what i'm asking, but hope to hear your situations re the topic title. And hope to learn from you all too. Thank you.
+Hey guys, I have a quick question if anybody currently in industry would not mind answering. I have just finished a masters degree in economics with a focus on econometric modeling. 
+
+I am currently in a situation making a decision between continuing onto a PhD in economics with a focus on econometrics and macroeconomic research, or pursuing a PhD in computational mathematics with a focus on data science. (This would allow me to pick classes from CS, modeling and simulation, statistics, math and big data analytics). 
+
+Would anybody like to chime in on if it would be worthwhile to change direction to this applied math PHD? It seems like I will learn more valuable skills there... but it would set me back at least 3-4 semesters depending on how many credit hours would get carried over for an Econ PHD. Which degree would you prefer on a resume when interviewing potential quants / researchers? 
+
+Thanks!
+My son's mother and I have split custody of our son. In the past we have alternated on claiming him on our taxes. I was supposed to claim him this year. She just told me she claimed him and would continue to do so instead of filing for child support. Is there anything I can do if she has already filed and claimed him? 
+Thanks for all the replies and advice! To clarify we were never married and have nothing in writing or have been to court regarding custody or child support. 
+I had a cash account at Schwab. 100% GME. I asked them if they had a PFOF arrangement with Citadel and they admitted that they did. So I initiated a transfer of all assets in Schwab to  my Vanguard account. When it arrived today, it listed my transferred shares as “margin”. I called Vanguard and they said that’s what Schwab said but they would list them as “cash account” starting tomorrow. I have never used margin in my life. I will never use Schwab again.
+
+Edit: thank you for the award.
+Edit 2: Thank you for all the awards. I hope my post prevents fuckery. HODL BUY and VOTE!
+Edit 3: many apes have replied that their transfers also showed up as “margin” for the first day or so and that changes to “cash account”. I can’t think of any justification but I appreciate the feedback and continue to hold Schwab sus for PFOF. Thank you apes!
+Edit 4: thank you anonymous donor for the Take My Power award!
+Edit 5: “margin” did disappear. But Schwab still sells order flow to Citadel ( PFOF = dirty player)
+I am 23y/o trying to escape a home that has been horrible for me. My mother constantly yells and expresses hatred for me. She is crazy. She is an emotional burden on me. I have no one that cares about me, no other family. She does not support me in any way besides occasionally stock fridge with the same microwave dinners. 
+
+She does not care about me or my future, or if she does she does it's not much and she never shows it, I feel like she would be content if I wasted my life rotting in this house for more years than I've already done.
+
+My health is in a bad state, I have physical and mental illnesses, but I feel like I can't help myself to get better while I'm here, because staying here keeps me in a depressive state.
+
+I am currently on SSDI but my mother pockets it. I think I need to remove her as payee. However, the SSDI is only 500 dollars a month. 
+
+Edit: Many people are saying that's reasonable for her to take for food and rent, but she would keep the remaining money if there was some, and paying 500 for rent+food is a bit different than what I have which is rent+food+grief/hate. Also, it's going up to 800 next month it looks like (from SS website member page).
+
+I contacted a social services worker to be put on a waiting list for housing for mentally ill with some limited assistance with living, but the list takes up to 2 years. I think this would be ideal but it's also only opportunity I'm aware of.
+
+I studied computer programming, I took some college courses years ago, I am good at it, but I'm not really healthy enough to maintain a job, and I don't drive/never learned and not healthy enough to drive right now. But still, I am interested in doing something to increase my income so I can survive on my own.
+
+Do you have any advice for me? I don't feel like I can wait 2 years for housing. I live in the state of NJ.
+
+edit: I did not expect to get a lot of attention for this. Thank you, especially if you wrote a piece of advice, I am reading them all.
+
+For the second time in two years I've had my debit card intercepted in the mail and someone has attempted to take over and transfer money from my accounts. What my bank (one of the big four) won't tell me is how it's even possible to do this when they shouldn't even be able to activate the card and then even if they do, how do they then get total access to all my account?   
+   
+I get that they could spend the money attached to the card in question but they've also tried to transfer out of my savings account. Does anyone know how this is possible?
+   
+If you want detail, what happened the first time was I could see they tried to transfer a large amount from the savings to my everyday account to obviously then transfer it to their own account before it was frozen. So just by having my new card they were somehow able to do this but I cannot understand how and think there must be some sort of huge security flaw there.   
+   
+Edit: So I just went to the bank to sort it out. Turns out this time they didn't get access to any of my accounts because after last time they put a secret word on anything that involves my account over the phone. So they tried to activate the card but didn't know the secret word and the account gets automatically blocked. So it actually worked as intended this time. Still didn't get an answer on how last time they were able to access everything in my accounts but at least it looks like it can't happen again.
+As previously discussed by u/YouTuber1001 a few weeks back. PayPal has recently introduced a new "charge for lack of service" 3% transfer fee on money being withdrawn in a currency other than  your primary currency. 
+
+This is now costing any Aussie business that accepts USD through PayPal an additional 3% on top of thier already exorbitant 3.6% +30c for receiving payments from an international customer. 
+
+I just did a test to see exactly how much this new transfer fee affects us. We had $200 USD in our PayPal account. 
+
+At 9:10 am on the 30th I did two transfers
+
+Transfer 1 - $USD 100 to our Bendigo Bank Account accepting PayPal's atrocious Forex rate and received $AUD 131.11 [XE.com](https://XE.com) says the USD-AUD exchange rate at that moment was 1.3606
+
+Transfer 2 - $USD 100 to our Transferwise USD Borderless account accepting PayPal's new dodgy transfer fee (aka 3%), when I received the $USD 97 I used Transferwise to convert it to AUD (at 1.35364 + USD .42c fee) and then transferred it to our Bendigo Bank account and received $AUD 134.23
+
+Even with PayPal additional dodgyness we still saved  2.32% by transferring it to Transferwise first and avoiding PayPal's currency conversion markup.
+
+Just FYI.
+
+The moral to this story is PayPal are lower than a dog shit on hot asphalt and avoid them the same way.
+
+BTW: I thought it was illegal for financial institutions to charge fees for "services" that cost them nothing to deliver (like transferring money from one account to another).
+I think a big assumption in the V-shaped recovery theory is that the U.S. economy was relatively healthy going into the crises. And that once demand returns to normal, businesses will continue to post record high profits. 
+
+This idea couldn't be farther from the truth. [Data published in the WSJ](https://www.washingtonpost.com/business/2020/03/10/coronavirus-markets-economy-corporate-debt/) on March 10, 2020 showed that: 
+
+* 1 in 6 publicly traded U.S. companies did not earn enough to cover their interest payments before the COVID-19 crises. 
+* In the first half of 2019, 40% of all leveraged loans went to companies with a debt-to-earnings ratio of 6:1 or higher. 
+* [the IMF conducted a stress test](https://www.cnn.com/2020/03/14/investing/corporate-debt-coronavirus/index.html) that showed an economic crises half the size of 2008 would put 40% of corporate debt at risk of default in the 8 of the largest world economies.
+
+I find it very odd that stories like these were EVERYWHERE in March, 2020. Then as stocks began to skyrocket and firms started making back losses, they practically vanished from the media. 
+
+If you are comfortable with these debt levels and believe we can keep increasing debt without a market contraction, then by all means continue to invest. Just wanted to get the information out since I haven't see much of this lately.
+# Brett Harrison answers Superstonk's questions about the Gamestop partnership, crypto, ownership of assets, the FTX platform, and the future of finance!
+
+# [Youtube Link](https://youtu.be/pbjQHt73NKg)
+
+[Gamestop FTX Partnership](https://investor.gamestop.com/news-releases/news-release-details/gamestop-forms-partnership-ftx)
+
+What is [FTX](https://about.ftx.us/)?
+
+**FTX.US** is a brand new US-regulated cryptocurrency exchange, built from the ground up. Their mission is for FTX.US to grow the digital currency ecosystem, offer US traders a platform that inspires their loyalty, and become a market leading US cryptocurrency exchange over the next two years.
+
+**Brett's Bio** \- Prior to joining FTX US, Brett was Head of Semi-Systematic Technology at Citadel Securities, where he managed technology for the firm’s Options, ETF, OTC, and ADR trading globally. He began and spent the majority of his career at Jane Street, where he led the firm’s algorithmic trading system development. He also previously worked at Headlands Technologies as a senior software developer. Brett received his M.S. and B.A. in Computer Science from Harvard.
+
+[https://twitter.com/Brett\_FTX](https://twitter.com/Brett_FTX)
+
+^(\*thanks to) [^(u/Doom\_Douche)](https://www.reddit.com/u/Doom_Douche/) ^(for recording)
+
+^((shoutout to) [^(u/rimjeilly)](https://www.reddit.com/u/rimjeilly/) ^(for reaching out to him! Here's) [^(their post)](https://www.reddit.com/r/Superstonk/comments/x9mjre/mods_ftx_brett_replied_to_me_and_agreed_to_an_ama/) ^(showing Brett's response))
+I work as an for a tech company in the midwest. I am 25 years old and my current salary is 70k. 
+
+My manager is an extremely smart and qualified individual because of this it has always been expected that he will not be sticking around for long. My manager's boss has been considering who on our team could fill his role when he eventually left and I have been repeatedly told that I would be the best fit and have been trained/groomed with that in mind. Now the time has finally come, my manager has accepted a role at another company and he will be leaving within a month. From what he's told me with his discussions with our boss and director I will be asked to fill the role. 
+
+The advice I'm looking for is for a salary discussion. I know that my manager is currently making 110K with a 10k yearly bonus so about 120k a year. However I am not delusional, I do not expect to be paid the same amount because 1. He has more work experience in IT than I have been working in general. 2. He has a master's degree and I am a college dropout. 
+
+That being said, I do personally believe I am the best person to fill the role and I don't want to be doing the same work for a massive amount less. I also know that they already have that money in the budget so they will essentially be pocketing whatever is left over. The number I have been playing around with in my head is 95k(85K base +10k bonus) which would be a 35% raise and leave me at about 25k less than he's making now. I beleive this is a fair number but I want to get any advice on if I'm asking for too much/little.
+So I'm 22 and getting my first paycheck from a professional job. The money isn't great but my only expenses is travel as I live with my folks and they refuse to take money off me.
+
+Is it a good idea to invest 10% of my salary into the S&P500 every month. I'm going to "forget" about this money and let it grow (I know it can fall also). This is for the long term. 
+
+What's the best way to invest. Monthly as I get paid? Or save it up and invest every few months.
+
+I'm in Ireland btw
+That´s my bet. They already know that we are not going to sell and all them efforts are meant to keep the number of Apes low. For them, is more dangerous one more individual Ape with one share, that one veteran Ape buying another share.
+
+So they are doing everything that they can to missinform and make us look like fools. If one potential new investor is interested in GME, the only information that he is going to get easilly is that Superstonk is a cult and that we are wrong. They are trying to delegitimate all of us and all the DD. I´m on a trading group in Telegram of about one hundred nice and capable guys, and I´m still a clown for trusting all the GME DD. 
+
+That´s their only hope, keeping the number of Apes as low as possible.
+
+They are fucking scared. So spread the word, more Apes means danger for them.
+
+Shorts never closed. Hedgies are fucked. DRS
+
+Keep DRSing even harder.
+Hi fatFIRE!
+
+I am a 29m, NW ~3mm, income ~300k, living with my fiancee (28f).  This sub talks a lot about concierge medicine and I have a somewhat related question.
+
+For as long as I've known my fiancee, she has suffered from fairly bad anxiety and depression.  Throughout the years we've known each other, she's always been in therapy (been thru 3 therapists for various reason) and on some combination of drugs from psychiatrists who are unaffiliated with her therapists.  
+
+Long story short, this has felt kludgy and slow for a long time.  I know there is no miracle pill for this kind of thing, but it also feels like the sort of problem that the time and money fatFIRE allows can attack more aggressively than we have thusfar (weekly therapy with a local doc and a slow build up of SSRIs).
+
+Reading [an article on ketamine](https://www.nytimes.com/2021/11/04/well/ketamine-therapy-depression.html) in the times this AM in particular led me to believe that there are many treatment avenues that we have not yet gone down.
+
+Have any of you had luck pursuing more aggressive or esoteric treatments here?  Is there a service that exists that can take a more all encompassing view of her mental health (it's always seemed bizarre to me that there's no feedback loop between therapist and drug prescriber)?   Anything I haven't thought of? 
+
+
+Thanks for the time!
+I found this to be an interesting read.
+
+​
+
+[https://capitalmind.in/2019/01/opinion-why-is-sbi-selling-the-essar-steel-debt-one-day-before-a-court-decision-on-the-resolution](https://capitalmind.in/2019/01/opinion-why-is-sbi-selling-the-essar-steel-debt-one-day-before-a-court-decision-on-the-resolution)
+
+​
+
+Particularly, this part:
+
+>Here’s a conspiracy theory. It’s totally made up, so don’t assume it’s based on any truth or fact.  
+>  
+>The Ruia’s have been close to many political parties. They don’t want to lose the steel asset. They can’t bid and their bid may not be accepted by the court.  
+>  
+>But even if the court does allow the Ruias to bid, the current set of banks apparently is so against the Ruias that they are likely to vote a no. In fact, they did, earlier, say that they would rather take a haircut from the Mittal bid (and lose some money) rather than give the Ruias a chance to take this back.  
+>  
+>There’s merit in that argument. Mittal’s produced the cash to pay for the asset. The Ruias have not.  
+>  
+>Meaning: if they say ok to Ruia, they stand a good chance that Ruia will say he doesn’t have the money, and go right back to the same banks to borrow it – which means they’re back to square one.  
+>  
+>How do you solve this? You can’t.  
+>  
+>So here’s the conspiracy theory:  
+>  
+>Figure out a way to get a way to ensure that a decision of any sort in the future, by the banks, does not go to Mittal  
+>  
+>For that, you need a 25% stake at least.  
+>  
+>Which is what SBI has, right now.  
+>  
+>So get SBI to dump its debt  
+>  
+>At a discount  
+>  
+>And then, get that debt acquired by a “friendly” party who will then do what you want them to.  
+>  
+>We don’t know if this is true, but it could be a mechanism used to complicate the deal going forward. And there are questions.
+
+​
+This is the fourth time the RBI has cut repo rate rate this year
+
+Retail inflation has remained below the RBI's medium-term target for almost a year
+
+Link: https://www.livemint.com/industry/banking/rbi-cuts-repo-rate-by-35-bps-revises-gdp-growth-lower-1565155095410.html
+HDFC Bank — one of the major wealth creators, has got very low [Piotrosky](https://www.investopedia.com/terms/p/piotroski-score.asp) score of 3. The score is assumed to be a good indicator of how strong the fundamentals is.
+
+The other top two competitors Kotak and ICICI banks are having scores of 7.
+
+Should it be a matter of concern. Is the high growth being justified? What are your thoughts?
+Welcome to the first ever virtual reality casino with all the games you know from real casinos🎰
+
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+
+There are x3 developer wallets holding 3.5 % of the supply each. A vesting will be applied on these wallets in the upcoming days. 
+
+Massive marketing campaign planned with well-known blockchain and casino press PR companies. Furthermore we will be laying a big part of our marketing efforts in callouts from bigger influencers within the BSC space💯
+
+​
+
+**Tokenomics**: 
+
+**Total supply:** 1.320.000
+
+$BUCA has a 15 % fee on purchases/sales distributed as mentioned below👇🏼
+
+📍6 % BUSD rewards (Automatic rewards sent out to all holders based on trading volume)
+
+📍6 % Liquidity (LP tokens are automatically burned as per the smart contract functions)
+
+🎰3 % Marketing (Goes towards ensuring continuous growth of the project) 
+
+​
+
+**Contract Address:** 0xa52d2dEA82eacbDcd741ED291d2198B73871511a
+
+🔒**LP Lock:** [https://mudra.website/?certificate=yes&type=0&lp=0xbcd5cd968eeb22dcc01ff9f4c5f6850b1f33be7e](https://mudra.website/?certificate=yes&type=0&lp=0xbcd5cd968eeb22dcc01ff9f4c5f6850b1f33be7e)
+
+📣**Twitter:** [https://twitter.com/BusdCasino](https://twitter.com/BusdCasino)
+
+☎️**Telegram:** [https://t.me/busdcasino](https://t.me/busdcasino)
+User u/Ordinary_investor just asked me "What is your personal Moon target? ".
+
+I happen to have spent some time thinking about  this recently, so here's a post about my reasoning.
+
+\_\_\_\_\_\_\_\_
+
+​
+
+First thing I realized is that it's quite important to think about this stuff now, while I'm still lucid and not blinded by monstrous profits and greed. 
+
+Secondly, I see it more as a "profit taking strategy" instead one single figure at which I'd sell everything.
+
+Thirdly, I believe that  sky's the limit and we most likely haven't seen the real crypto bubble yet. Yep.
+
+Finally, **my aim is to improve my quality of life, not to play casino**.
+
+\_\_\_\_\_\_\_\_
+
+​
+
+Here's the real problem: 
+
+*Let's assume Eth starts mooning and* ***my ether balance becomes*** ***equal the rest of my entire net worth*** *(cash + material + other investments). At this point, let's say I foresee a* ***80% probability*** *of ether still significantly increasing in value. Should I keep the investment running?*
+
+*How about it becomes 3 times my entire net worth, with an estimated 60% probability? Does it make sense to keep it entirely? Becomes harder to answer.*
+
+**The real question is  "how do I secure a future without neither regrets nor missed opportunities"**
+
+\_\_\_\_\_\_\_\_
+
+​
+
+As you've guessed, finding the right balance between "*total net worth outside of crypto*" and "*crypto*" is the key.
+
+Even though it doesn't maximize profits in the case of a full moon, I think the best way to do this is to **start selling progressively when "*****crypto*****" goes above "*****total net worth outside of crypto*****"**, so that the two remain equivalent.
+
+If I don't do that, I'll have severe, probably life long regrets if the price falls for some reason.
+
+​
+
+I just calculated, that would put the price at around $800 for me.
+
+ I think it's still crazy low, and will be really hard to start selling at that price, but doing something like this allows to have all cases covered:
+
+If the price falls, I'd have manageable regrets.
+
+If the price stagnates, the investment is still here and I can take profits whenever life forces me to.
+
+If the price keeps on increasing, it means more net worth, more money for fun, more $ in crypto.
+I (23m) graduated school with a healthcare related degree this past summer and got hired in august. The position I got hired in had a $20,000 sign on bonus (taxed). Half (10g) gets disbursed at 4 months post hire (December) and the other half 1 year (august). 
+Debt: as of today 10/22/21
+   Credit Cards
+       Amazon $3800
+       Wells Fargo $2500
+    Student Loans $12,032 
+I make about $3600/month after taxes/benefits. Next month that’ll go up it’s a union job so everyone in that union gets a 2% increase in pay come November. When January/February come I will be switching to night shift work where I will get 12% differential, I’ll be off orientation and be able to work for OT.
+My question is what should I do with that  first 10g my gut instinct is to wipe away my credit card debt but should I instead invest it? Or hold on to it? I try to pay off a good chunk of CC debt every month. What would you do?
+Its important to remember that the current price does not reflect the future price.
+
+BTC at a time was $35.
+It went to $4
+And now that same BTC is $760.
+
+The BTC development community is not doing as well as those involved in Ethereum.
+BTC is great at what it does currently, but it cannot scale at all like this. 2 tx per second simply won't work as a means for any of the things Ethereum is scoping out at being able to accomplish.
+
+I think we will begin to see some renewed enthusiasm from Bitcoiners when they realise this as they see Ethereum beginning to scale and they remain stagnant.
+
+I have even been reading on quite a few of the BTC forums such as Reddit that they are considering switching if no forward path can be reached. So far there is none, so it will be interesting to see how this plays out next year.
+
+Ethereum has been in the public light for about 16 months, and so far its accomplished more than Bitcoin has in 8 years. (truly). Early next year ETH addresses will be convertible to names such as "operationnine.eth" instead of random letters and numbers which will help mainstream adoption.
+
+Proof-of-stake will be rolled out in its early stages during next year, allowing thousands of transactions per second.
+Additionally the network is getting an upgrade to "Metropolis" during late Dec/Jan. This will be a great step forward for future developers to make these dapps (apps without middle-men) which has the potential to disrupt billion dollar industries. 
+Ujo Music may even be one to watch as they will be dis-intermediating the entire music industry.
+
+This kind of potential is going to really cause a higher demand for ETH to run these Smart Contracts in the future.
+
+We really are in the early days, for example, there are people out there who have more capital at their disposal than the entire value of the Ethereum network. This means they can easily manipulate the price to cause emotional fear, and in turn accumulate a larger portion of the total supply much more easily. If I had a couple billion dollars and I really saw the potential Ethereum has, it wouldn't seem a terrible idea, other than ethically of course, but there are people like that unfortunately.
+
+There is one way to stop that kind of technique becoming a problem however, and thats to give them no such influence by holding. Interestingly enough, this is exactly what has been playing out. The volume as been the lowest it's been all year since the gradual decline from $13 to $8. And on average only 2% of the entire supply has been swapping hands each day.
+
+The price really isn't reflecting much currently.
+But we still really we are at the ground floor in a sense.
+If you compare the early days of Bitcoin to where Ethereum is now, in other words, had you invested in Bitcoin where Ethereum is today this is what the price chart would have looked like:
+
+See here:
+https://s17.postimg.org/6f82jw5lr/eth.png
+
+In other words, if you take the market cap of BTC and divide it by ETH, you get "
+
+12,343,656,492  / 696,804,345 = 17.7146663631"
+
+Which means ETH is 17.71x cheaper than BTC when comparing the two.
+When you divide the price of BTC by this you get 42.90 USD.
+So try to imagine it in this way, that ETH is just like buying BTC at $42 each, but it has a lot more potential.
+
+This is just based on math. A lot of people are going to realise this eventually and we will see some upside on the price much more than the BTC price in terms of % increase. I still feel like many are still only just finding out about Ethereum.
+
+I'm looking forward to 2017 based on the conversations I've been reading in the dev chatrooms and the best thing to do is not worry, but understand that this is only the beginning :)
+
+I have not sold a single one of my ETH and I'm "all in" for the most part. Lots more to come.
+With savings accounts paying less than 1% interest they'll only have $13,478 after 30 years with an initial investment of 10k, instead of $174,494 if they [had invested that 10k into dividend stocks.](http://imgur.com/a/jMrsv) 
+Hello beautiful apes!
+
+I was very intrigued by the Finviz data. I thought to myself.. why? Why does the Finviz data show 113% short interest but everywhere else shows 13 - 15 %?
+
+So I looked at the Wayback machine to correlate some shit.
+
+If you notice on [Yahoo](https://finance.yahoo.com/quote/GME/key-statistics?p=GME) for example, the short interest says "Nov 15, 2021". Using the Wayback machine, it looks like this data is always updated twice a month-ish.
+
+I went to last month to see what it was for both Yahoo and Finviz and here's what I found:
+
+​
+
+There are some discrepancies between Finviz's Shares outstanding and Yahoo/Morningstar/etc but if you calculate the **percentages** Finviz gives for Short Float against the Shares float, it equals about the same amount of shares short between Finviz and Yahoo.
+
+​
+
+​
+
+[Finviz on October 24th](https://preview.redd.it/vm1y9pfyum281.png?width=362&format=png&auto=webp&s=2eb322ff188e49189a22435e784f73543cd43957)
+
+[Finviz GME October 24th](https://web.archive.org/web/20211024170413/https://finviz.com/quote.ashx?t=GME)
+
+That number comes out to about 7.8M shares short.
+
+​
+
+[Yahoo as of September 29th](https://preview.redd.it/6oc0k0hgwm281.png?width=842&format=png&auto=webp&s=0415ab30b6c455a5cab96856368867825f72538b)
+
+[Yahoo on October 24th displaying September 29th data](https://web.archive.org/web/20211024163100/https://finance.yahoo.com/quote/GME/key-statistics?p=GME)
+
+At this point the short percentage is basically staying around 7.8 to 7.82M so at first glance it just looks like Finviz has the same data. You wouldn't really be paying attention because of how close they are.
+
+The data isn't really changing from month to month around this time, so the differences are negligible.
+
+The only way to know one way or the other is to look further back in the past when the "official" short interest displayed was wild.
+
+Let's start on February 1st.
+
+[Yahoo February 1st](https://web.archive.org/web/20210201104541/https://finance.yahoo.com/quote/GME/key-statistics?p=GME):
+
+​
+
+[Yahoo on Feb 1st, showing Jan 14th data at 226%](https://preview.redd.it/6xj9jpfmxm281.png?width=825&format=png&auto=webp&s=6002050f87580c2598435bb9e2e7982ffb418bb8)
+
+[Finviz February 1st](https://web.archive.org/web/20210201225350/https://finviz.com/quote.ashx?t=GME):
+
+​
+
+[Finviz on Feb 1st showing 121.98% but not saying the date.](https://preview.redd.it/504ar7ltxm281.png?width=354&format=png&auto=webp&s=be697a17a1603cc84bac2f39070f00e3f6ce2d8c)
+
+Interesting. *(No pun intended)*
+
+Either there's 104.44% hiding somewhere on Finviz's data or one of them is showing outdated information.
+
+Could Finviz have updated short interest sooner?
+
+What does Yahoo's next snapshot say?
+
+​
+
+Next time we see Yahoo's data change is on [February 11th](https://web.archive.org/web/20210211110034/https://finance.yahoo.com/quote/GME/key-statistics?p=GME) with Jan 28th data.
+
+[Yahoo on Feb 11 showing Jan 28th data.](https://preview.redd.it/ivjf6sf9ym281.png?width=812&format=png&auto=webp&s=e1fe5e69d4963e1113fcc1c5e6738e39d669c953)
+
+Hmmmm the data went down. It's not 121.98% that Finviz said on Feb 1st, but the data kept changing so fast with their moves.
+
+78.46% is closer to 121.98% than it is to 226.42%. Soooo it looks like Finviz caught the drop first.
+
+​
+
+What's the next snapshot change on Finviz?
+
+​
+
+[February 20th](https://web.archive.org/web/20210220001002/https://finviz.com/quote.ashx?t=GME) it changes to 42.27%
+
+[Finviz on Feb 20th](https://preview.redd.it/faowdf1lym281.png?width=318&format=png&auto=webp&s=8757b065c4b4cf2c747612dac8ef1ac9ba855326)
+
+[February 25th](https://web.archive.org/web/20210225112535/https://finviz.com/quote.ashx?t=GME) it changes to 30.40%
+
+[Finviz on Feb 25th](https://preview.redd.it/3kbzmgtpzm281.png?width=329&format=png&auto=webp&s=28f611b5a920deab0558813e2c03920a4f335789)
+
+Looks like Finviz keeps data updated, while Yahoo updates once or twice a month.
+
+​
+
+The next Yahoo snapshot is on [February 27th](https://web.archive.org/web/20210227173107/https://finance.yahoo.com/quote/GME/key-statistics?p=GME) with Feb 11th updated data.
+
+[Yahoo on Feb 27th showing Feb 11th data.](https://preview.redd.it/mig9zshxym281.png?width=830&format=png&auto=webp&s=5182999b28657de902421abcdd07d646b658e029)
+
+Hard to verify exactly on each day because the snapshots don't line up together at the same time. But with enough samples we can piece the concept together.
+
+So far though, it really seems that Finviz is getting data sooner than Yahoo.
+
+On February 1st, Finviz had lower short percentage and Yahoo didn't catch up til February 11th or so. 10 days later.
+
+Inconclusive on Feb 20th to 27th because we don't have a snapshot in between.
+
+So this requires further digging.
+
+Wayback is funky sometimes.
+
+As of March 1st, Yahoo still shows Feb 11th data. There's nothing more until March 13th which won't load for some reason. After that, April is blank until May 24th.
+
+​
+
+So let's compare:
+
+[Yahoo as of May 24th](https://web.archive.org/web/20210524143649/https://finance.yahoo.com/quote/GME/key-statistics?p=GME) showing April 29th data.
+
+​
+
+[Yahoo on May 24th showing April 29th data.](https://preview.redd.it/oixoj6wsin281.png?width=815&format=png&auto=webp&s=4da6230e7e7979c96c0e81ed68236763f2c9482b)
+
+​
+
+[Finviz as of May 7th](https://web.archive.org/web/20210507060142/https://finviz.com/quote.ashx?t=GME) showing 20.24%
+
+​
+
+[Finviz on May 7th.](https://preview.redd.it/zd9daeyzin281.png?width=330&format=png&auto=webp&s=0f57a7afe7943bf81073b4fce980884d84702aec)
+
+54.91 \* .2024 = 11.11
+
+​
+
+Notice [May 8th Finviz's data](https://web.archive.org/web/20210508204756/https://finviz.com/quote.ashx?t=GME) updates.
+
+​
+
+[Finviz on May 8th.](https://preview.redd.it/wkiuij5jjn281.png?width=316&format=png&auto=webp&s=16f2d9a35f3221cd9b06c285b3ccf3ab1ec9f702)
+
+54.16 \* 20.52 = 11.11 about the same. Slight shifts in the trailing decimals. Not a big deal. But it IS changing more frequently.
+
+This by itself proves Finviz has some kind of updated API that's changing with current data and may account for small / minor differences here and there. As Finviz keeps updating the data, while Yahoo updates very infrequently.
+
+​
+
+The next time Yahoo updates is [June 10th with May 27th data](https://web.archive.org/web/20210610234033/https://finance.yahoo.com/quote/GME/key-statistics?p=GME) saying:
+
+​
+
+[Yahoo on June 10th showing May 27th data.](https://preview.redd.it/h19ysiyj3n281.png?width=812&format=png&auto=webp&s=8876532563ce0e0edf2e384aef666a243200e765)
+
+​
+
+We don't know how long it took them to update that, and even though there are discrepancies on Shares outstanding between both sources, Finviz says the same thing for Short % on [May 30th](https://web.archive.org/web/20210530215339/https://finviz.com/quote.ashx?t=GME):
+
+​
+
+[Finviz on May 30th.](https://preview.redd.it/s0b7k93h3n281.png?width=338&format=png&auto=webp&s=45c52efb78cf3af87183f2b520644b6b7d764dea)
+
+57.03 \* .2099 = 11.97
+
+So as of May 30th, Finviz had the updated data. June 10th is when Yahoo showed it. Again, they could have shown it sooner, but Finviz did have "accurate" data. *(I quote "accurate" because we all know it's way higher due to fuckery)*
+
+​
+
+So far we know Finviz updated with the May 27th data by May 30th at the latest. So Finviz had updated data within 3 days. While Yahoo takes weeks.
+
+It's not definitive yet but it's looking very interesting.
+
+Let's keep digging.
+
+Next updated update we have on [Yahoo is August 5th using July 14th data](https://web.archive.org/web/20210805022244/https://finance.yahoo.com/quote/GME/key-statistics?p=GME):
+
+​
+
+[Yahoo on August 5th showing July 14th data.](https://preview.redd.it/xzjh6ejf5n281.png?width=830&format=png&auto=webp&s=6b93d42d6874a1dd2314fbd077cfa47cd7be0966)
+
+[Finviz has the July 14th update only 1 day later on July 15th](https://web.archive.org/web/20210715055631/https://finviz.com/quote.ashx?t=GME):
+
+​
+
+[Finviz on July 15th.](https://preview.redd.it/2jw78j9i5n281.png?width=346&format=png&auto=webp&s=a607c2f23a74ef418ea3a55a961a7e89cb4187c6)
+
+58.19 \* .1413 = 8.2
+
+Roughly the same.
+
+Again, we don't know when Yahoo displayed the July 14th data due to Wayback's snapshots being so far apart.
+
+But we do know that Finviz had the update only 1 day later. And Yahoo displayed the same data on August 5th. No "glitches". Just a delay with Finviz showing first.
+
+​
+
+Next time [Yahoo updates is August 24th with July 29th data](https://web.archive.org/web/20210824134123/https://finance.yahoo.com/quote/GME/key-statistics?p=GME):
+
+​
+
+[Yahoo on Aug 24th showing July 29th data.](https://preview.redd.it/d6skjb3z5n281.png?width=831&format=png&auto=webp&s=8e42df3d3d4014e20d85cdda77708227afc43d28)
+
+[Finviz had the update by August 16th](https://web.archive.org/web/20210816224524/https://finviz.com/quote.ashx?t=GME):
+
+​
+
+[Finviz on August 16th.](https://preview.redd.it/4n0pq8qd6n281.png?width=327&format=png&auto=webp&s=81bb33f518096a2cbb71f1057e7bf4927cf0c798)
+
+58.19 \* .1317 = 7.66.
+
+​
+
+Again, sort of inconclusive here because of the snapshots being so far a part. We don't know how long it took either of them to display this data. But we do know Finviz was accurate and later validated by Yahoo/Morningstar.
+
+In other words, we don't know when *Yahoo* displays the data, but it really looks like Finviz has the better API with Yahoo/Morningstar always lagging behind.
+
+Past this, the data is inconclusive as the snapshots for both of them don't line up well enough to compare.
+
+Too far apart, with data constantly changing, yet staying at roughly the same number for both.
+
+Which means there weren't any real major changes to the "official" data up until November which now shows 113.48%.
+
+​
+
+BUT.. if we look at all these previous examples of Finviz updating first, we can conclude that the **current** **113.48% that Finviz shows** is at the very least **VALID**. Not a glitch and Yahoo should in theory update soon with the same number.
+
+​
+
+Unless they do some kind of trickery after this post is posted lmao I don't trust the data tbh, I know the SI% is wayyyyyyyyyy over 9000 lol but I do trust examples that can be tested for accuracy. These seem like examples that pass the test.
+
+​
+
+So now the question remains, why did the short interest all of a sudden jump up from 13% to 113%?
+
+Rumors circulating of a margin liquidation could explain it. But who? Who had options that equaled around 50 to 60 million shares of GME?
+
+It's impossible to know who's position it is because they file for confidential treatment. But I think if it's anyone, it's more than likely it's Melvin *(or whoever Citadel ended up swapping them with)* just based on the huge jump all at once. But again, could be anyone. Or a bunch of people at the same time. Who knows.
+
+It's already understood that they're using deep OTM puts to hide the short interest, it's been known for a while.
+
+And it's already been said that the possible margin liquidation rumor could be these puts being unraveled.
+
+And so now I believe this post adds further confirmation to that theory because Finviz data seems to update before Yahoo/Morningstar and other "Official" sources.
+
+**TL;DR 113.48% is not a glitch. Somehow, someone's short position just got majorly unraveled and Finviz "accidentally" updated it because somehow their data comes from an updated source. I'm sure they'll fix it after I post this but yeah it's not a glitch. I don't expect Yahoo to update to what Finviz is showing because...** ***fuckery***\*\*. But imo, someone's probably going to get fired over that "glitch".\*\*
+
+​
+
+*This post is not financial advice, it is just my individual conclusion based on data that I found on Google and I am a monkey who eats crayons and I don't know anything about shit except how to fling shit at anything. You should not listen to me for any reason.*
+
+​
+
+Edit: I predicted after I posted this they'd "fix" the "glitch". It took them 4 hours.
+https://www.npr.org/2021/11/10/1054019175/inflation-surges-to-its-highest-since-1990
+
+>	The Labor Department reported Wednesday that consumer prices were 6.2% higher in October than a year ago. That's the sharpest increase since November of 1990.
+
+>	Price increases were widespread, with energy, shelter, food and vehicles all costing more. Excluding volatile food and energy costs, prices were up 4.6%
+
+>	Much of the upward pressure on prices is the result of a mismatch between booming demand and limited supply, as businesses struggle to find both parts and workers.
+
+>	Many employers have increased pay in order to attract more workers. But growing paychecks have quickly been eroded by the rising cost of gas and groceries.
+
+>	"For families, they're feeling it right now," says Mary Daly, president of the Federal Reserve Bank of San Francisco. "If you got to a grocery store, you buy food that you usually buy, you then fill your gas tank on the way home so you can go to work or take your kids to school, you're feeling this."
+
+>	"When you then look at the winter coming and you realize your fuel bill for heating your home is going to rise as the winter comes, you're nervous," she added.
+
+https://www.nytimes.com/2021/11/10/business/economy/consumer-price-inflation-october.html
+I've seen a lot of advice for various levels of experience and wealth. I'm curious what the options or best route would be for someone just starting out with around this level of capital would be. Is this much even enough to get started in real estate investing? If not, what should one shoot for?
+First of all I’m 20, and somewhat new to investing. I’ve been tracking the market and learning about investing for about 3 months now and I’ve decided to hold a few ETFs for 10 years or so, starting around $1000 and slowly adding more over time. I wanted to know how this looks: 
+
+VTI - 45%
+
+ARKF - 10%
+
+VBK - 10%
+
+QQQ - 10%
+
+MSOS - 5%
+
+And I’ll be holding the rest in cash for the time being. I am also looking for something in clean energy (I was thinking ICLN but looking for something that tracks primarily the US). Any constructive feedback would be greatly appreciated!
+First of all I’m 20, and somewhat new to investing. I’ve been tracking the market and learning about investing for about 3 months now and I’ve decided to hold a few ETFs for 10 years or so, starting around $1000 and slowly adding more over time. I wanted to know how this looks: 
+
+VTI - 45%
+
+ARKF - 10%
+
+VBK - 10%
+
+QQQ - 10%
+
+MSOS - 5%
+
+And I’ll be holding the rest in cash for the time being. I am also looking for something in clean energy (I was thinking ICLN but looking for something that tracks primarily the US). Any constructive feedback would be greatly appreciated!
+Hey! Thanks to this group and few other groups, I have done my research and I have started to invest in VTI, FAANG (Facebook, Amazon, Apple, Netflix, and Google) and Microsoft, Tesla, NVDA, Zoom! 
+
+I'm 26 years old with a moderate risk appetite looking only for **long term stock** investments that I can invested regularly in and not track regularly. Please suggest what to buy/invest in?
+Today I bought a $500 Dyson vacuum for $50. 
+
+There is an ocean of perfectly good stuff for sale by individuals. Generally, these people care more about getting rid of the stuff than how much money they make from the sale. Furniture, small appliances, and (some) electronics are excellent items to buy second hand. People usually sell these items because either they upgraded or they’re moving, so they’re fairly motivated to sell. Buying second hand not only stops the item from going into the landfill but also saves you a ton of money and/or allows you to afford nicer stuff. It’s good for everyone except “the man.”
+ Bought at the top of 2021 as a newbie, literally worst time to buy a stock at. Down over 60%.
+
+Stocks just feel like a tool to destroy the people trying to climb out of the middle class. Many were saying "Buy stocks to avoid 5%/6% inflation!!" , meanwhile now I am down over 60%. Truly an extremely tough time to maintain sanity. For folks in similar position as me who is down over 60%, how are you coping with dealing with the fact that you bought at the worst time possible?  
+
+
+I know its impossible to time the market but imagine buying it at the worst time possible and experiencing the worst drop off we have in a decade. I have done my due diligence reading about my stocks, general knowledge of securities but I guess in the end buying stocks nowadays is akin to gambling.
+I just backtested a swing trade strategy and made me a lot of imaginary money. But one thing is, a position averages about 9 days, longest at 21 days. I know from trading small accountt hat I have psychological issue holding even 2 days
+
+Would just like to confirm this idea I have? Thinking about trading two accounts. Trade using the working strategy, and another for shorter timeframes, which needs to be backtested before of course.
+
+Edit: Thanks everyone. Guess I need to overcome the psychological barrier when holding trades.
+Hello all-
+
+First off, disclaimer: I feel incredibly stupid for not looking into this earlier. I grew up extremely poor, but we lived in an affluent area. I didn't have guidance and so whatever my friends did, I followed suit. Graduated HS in the top 5%, went off to a private college for my BS (STUPID), and then entered the workforce at 21 making 65k. Busted my ass off working full time and going to school full time- got my Masters at 23. This brings me to now -- 
+
+I'm 27, married, and have a baby. My husband pays for our rent, groceries, utilities, etc. I only pay for my car. We'd like to buy a house in the next few years. We live in Massachusetts so HCOL for sure...
+
+**My yearly income: \~75k**
+
+**Retirement Account (Fidelity): \~$9k**
+
+**Student loan: \~130k** (I've paid off the loans in my name. This amount reflects the Parent PLUS loan under my mom's name. She has deferred it every year since I've graduated, and realistically, she could probably continue to defer it as she is low income. However, we both really want to pay it off just in case. Important note, I am not responsible for it, but I do want to contribute since it was taken out to help me)
+
+**Car payment: $425/month**
+
+**Goals: To buy a house, save money for my baby's future, save for retirement, and pay off that damn loan**
+
+As the title states, I have around $110k sitting in my checking account right now. I went into Bank of America the other day, and the bank clerk advised me to open up a savings account. This got me thinking about how poorly I'm managing my money
+
+**Questions:**
+
+1. Do you recommend moving some money into an Ally Bank savings account? Their rates seem significantly higher than other banks
+2. Should I call Fidelity and speak to one of their advisors since I have an account with them through my job? What sort of things might I ask? (Edit: here, I mean- do they do financial advising?)
+3. I've read here to max out Roth IRA and 401k. I do have a 403b account through my job- only putting in about $1300/year. How do I go about making a Roth IRA (ie through Fidelity?)
+4. Should I even think about creating a 529 Plan for my kiddo or not yet?
+
+Thanks in advance for any guidance moving forward!
+It’s midnight here in Vermont, but i just got around to opening my mail. Bought the house on 5/6 and locked in a rate of 5.375% and an agreed upon $1329.93 each month on the 1st.
+
+Before i even got my first payment i got a notice that the mortgage was transferred to “Mr. Cooper” part of Nationstar Mortgage, LLC.
+
+On the welcome letter that arrived today, it claims “the terms of your loan are staying exactly the same”
+
+But then it goes on to say the monthly payments are now $1,813.65.
+
+This won’t fly. I barely qualified for the mortgage as it was, and if we hadn’t locked in a rate and it went up, my income to debt would have disqualified me.
+
+My original paper packet given to me by my mortgage company i shook hands with plainly states:
+
+> my monthly mortgage payment is: $1,329.93 paid the 1st of each month.
+
+My father doesn’t understand why, either.  I’m so confuse and a little scared, since I could swing $1330 but I can’t see $1813 working, or why it would change.
+
+Any insight on if this is legal? Did i just get bamboozled with the old mortgage switch-a-roo? Is my original contract no longer valid?
+
+Edit/update:
+
+Thanks for the replies, my inbox is stuffed more than an oversized calzone. I’m trying to read them all.
+
+Called Primary Residential Mortgage (my first lender) and they explained that indeed, my mortgage principle and interest is $1329.93. But nobody explained to me that this was not inclusive of a few things:
+
+* county taxes paid quarterly, but collected monthly  
+* water and sewage, paid quarterly, collected monthly  
+* PMI, as i only put 10% down on a conventional mortgage  
+* homeowners insurance, paid annually but collected monthly
+
+I told them nobody ever told me this the entire time I was signing, but was reassured that $1330 was my one, out the door payment.  I went through all my paperwork and there were mentions of estimates on things mentioned, but no where was a line-item “you actually pay this” ammount, which is the $1800 ammount.  I voiced my displeasure in not knowing, as I just paid $30,000 down after everything, i’m not worried about the sticker shock. I needed the actual out the door price per month.
+
+So it appears that my $1800 monthly is accurate until they reassess the taxes and escro at the end of August, and i may be getting a rebate.
+
+Very frustrating that i had asked and was told time and time again $1300. What would have happened had I just mailed in the $1300?
+
+I have a call to my new Loan Officer, awaiting confirmation on that new number but man, it just comes off as sneaky sneaky. I straight shoot on my bills. Having to dig around and ask what the actual check amount to cut just comes off as hiding something, as if i’m going to walk away from it all *after* the fact based on the difference.
+
+Thanks everyone for the replies.
+
+I also will be looking into the Homesteading program to see if I can lower my taxes, so thanks to those who posted that info.
+
+Edit 2: there seems to be some confusion here:
+
+Yes i read literally everything. Every document, email, voice memo, text, phone log, etc. every receipt kept. Every pamphlet, etc.
+
+The original loan officer admitted that they did NOT get me the line item coupon of what I actually HAVE to pay, instead just a simple letter with the P&I only.
+
+Yes, i know there’s PMI, taxes and stuff with it. But going by the letter they told me pay $1329.93 on 7/1 and each month. No mention or breakdown of the overage.
+
+The $1800 price is accurate. They just never got past sending me ever-changing estimates and instead omitted them completely on the “pay this” letter - i’m awaiting the call from the NEW LO to set up auto payments.
+
+Hope this helps
+
+Edit 3: i think i’m all set here.
+
+Called the original loan officer. They admitted they didn’t send the correctly reflexted total to pay in my first payment letter. We went over all the items expected and it makes total sense. They apologized and no harm done; i still have 2 weeks before it’s due.
+
+Some of the “line items” are dealing with an old-pokey town and county where things just run different (aka slower) - it’s very rural here.
+
+In my budget sheet, i did have line items for things like home insurance, water and sewer, etc, on TOP of my $1329.93 for the mortgage. If i roll these together it comes very close to the amount Mr. Cooper is asking.
+
+The confusion lies in when i asked every week for a “what when how much and where” to send my payment, was told officially $1329.93 which is what i was about to cut the check for in 2 weeks.  Knowing what I know now, i’m glad i made this post, read all the comments and made a few phone calls.
+
+I appreciate all the entries. To the clown that Dm’d me telling me i’m a lazy pos that deserves what I get, and that I’ll be homeless by the end of the year…. Man.  Have a nice day, i guess
+
+As far as the CD, it doesn’t look exactly like what many of you are telling me it should look like, but it does outline the other items. Again, I understand the concepts of taxes, PMI, escro and what not.  The confusion lied in what i was told to pay vs what the 2nd LO said I ACTUALLY have to pay.
+
+The matter is cleared up. Hopefully this helps someone else out who nearly has a heart attack in the middle of the night when their mortgage payment appears to go up by 40%
+
+Thanks, reddit. Love you all
+
+Xoxo
+
+Final edit:
+
+Thanks everybody for chipping in. It was very confusing, i’m missing some paperwork that was not sent to me, there was a discrepancy in terminology of what a “mortgage payment” means vs what I actually pay per month, and it seems to revovle around this closing document that i never got.
+
+I have a fresh copy coming, i have the money budgeted anyway as separate line items, which the “new payment” includes, so it makes more sense.
+
+It took this thread and a night of panicking to figure it all out. Now I’m square. And my ducks in a row.
+
+Now if I could only figure out this VT dmv form
+I have to fill out for my car
+I don't expect many responses because financial information is very personal, but are there any brave souls willing to tell us their net worth or investment gains (not exact numbers, but ballpark ranges) and explain how they achieved that success?
+
+Thanks.
+Hi,
+
+I know this should be known to everyone but I'm fairly new to the whole investing domain. I currently invest in the stock market only through mutual funds. But I want to start investing in stocks. I have a small idea as to how to look at a stock from a bird's eye POV. But the problem is finding the stocks in the first place to start analysing them. 
+What criteria are we supposed to follow inorder to shortlist stocks which are then analysed to see whether they are good or not?
+
+I thought we should look at numbers towards the end, ie study the culture, look at the industry and everything before getting into the financials.
+
+Please help me. 
+
+Also, I'm a businessman by profession, so do you think it's wise to learn the whole market by myself? Should I just stick to mutual funds ? Is going through a financial advisor a better way of doing it rather than going at it on our own? 
+
+Thanks in advance for helping this confused soul.
+One day ago, this sub had about 250 members. Now look at it. You apes, all of you, are beautiful, diamond-handed smooth brain crayon-eating rocket-launching legends. I've never seen a sub grow so fast.
+
+Please take a look at the rules. We did our best to keep them simple, and while we are focused on a non-censored sub, we will remove if we must. We do have some mods who have graciously dedicated their time to help moderate the sub, so give them some props.
+
+And without further adieu, here is the daily discussion:
+It's ridiculous that every time BTC dumps all alts dump. Enough! It's time we as a community said no to BTC. Fuck BTC! Fuck the BTC whales! Fuck the BTC miners! Fuck the BTC drama! We honestly don't need BTC anymore. No one does. It's archaic, slow, and expensive. 2018 belongs to the alts! 2018 belongs to the promising projects! 
+
+If you truly believe in the future of Crypto you will sell any BTC holdings you might have and invest in promising alts. Stop caring about BTC. Don't let the price of BTC dictate whether you sell your alts or not. IT'S RIDICULOUS! We need BTC dominance down. Way down! Only when BTC's dominance is under 10% will we have a thriving market.
+
+Spread this message! Time to move away from BTC!
+
+**Edit: Contact your favorite exchanges and urge them to implement more pairings! Enough is enough. STOP USING BTC TO PURCHASE ALTS. Use ETH or LTC or whatever else is available for now! This is a psychological battle!** 
+
+So much of our investing depends on the prevailing short term and long term interest rates. I've listened to so many newspaper people and financial economists promising higher interest rates in the future.
+
+Reality, we have been in a secular declining interest rate atmosphere since 1981. Aging populations, increasing levels of debt and lower levels of productivity vs previous decades are contributing to this (see Japan as a case study).
+
+My investments bank on lower interest rates in the medium future. As a good investor, I want to check my blind spots. I want to know the counter argument for higher interest rates in let's say 5 years. Looking for all responses, but if you say inflation let me know why CPI (not asset inflation will be still increasing in fives years, rather than just this year). **To be clear: I want to know why you think interest rates will be higher in 5 years than now since I strongly believe interest rates will be low and continue lower?**
+Mines and Mining Development Minister Winston Chitando said with Invictus Energy now at advanced stages of exploration, Government had since signed a petroleum exploration development and production agreement (PEDPA).“The oil company has entered into a production sharing agreement (PSA) with the Republic of Zimbabwe with an intention to make significant investment in exploration and production of petroleum and natural gas in the country,” Chitando told delegates attending the Chamber of Mines of Zimbabwe annual indaba at Elephant Hills in Victoria Falls.
+
+
+https://www.google.com.au/amp/s/www.thezimbabwemail.com/business/zimbabwe-races-time-as-oil-and-gas-fdi-falls/amp/
+Mid 40s, \~$17M NW, no debt, but feel very illiquid. Although this is my current situation, I’d rather describe how it would be if I went fatFIRE right now. I think about it in four classes:
+
+Non-retirement:
+
+$4.0M in index funds
+
+$2.1M in PE (quarterly distributions) - ILLIQUID
+
+$1.4M in don’t go to competitor account - ILLIQUID
+
+$1.2M in need to hold onto this to keep that $2.1M above invested - ILLIQUID
+
+$Checking and savings
+
+Retirement:
+
+$4.9M Roth IRA in index funds
+
+$1.0M TIRA in index funds
+
+Real Estate:
+
+$1.3M Main residence
+
+$570K secondary residence
+
+Stuff:
+
+$400K in possessions…cool cars and shit
+
+I’m very happy with NW, but have concerns with liquidity and how “safe” I feel with what I consider illiquid and pulling the fatFIRE trigger now. Back to the four classes:
+
+$4M is FIRE game, no issue there. $2.1M in PE can remain invested for a decade or so as long as I keep the $1.2M “right to invest” held by the PE company, and it should grow moderately well during that time. The $2.1M PE quarterly distributions should be more than enough to live comfortably on during the time it is invested, but there is no guarantee…when is there…it’s PE? The $1.4M no compete is paid out in full after a few years after leaving if you don’t go to a competitor (it should grow very nicely during this time but will be taxed heavily on payout, still should be worth well over $2M after tax). That being said, if something were to go horribly wrong, all this PE money could disappear. Most likely won’t happen…but thoughts like this keep me up at night. The $2.1M and $1.2M (and it’s moderate growth) would be paid out all at once in about a decade when I’d no longer be eligible to invest.
+
+I don’t really know how to treat the Roth. I don’t want to touch it until 59.5 to avoid any penalty. The penalty is 10% and technically it is totally liquid, so maybe I shouldn’t sweat it that much? That being said, I’d try to ride the train I mentioned above as long as possible until I need to hit the non-taxable funds. I view the TIRA as a retirement buffer, use it in lower tax years and let it ride in higher tax years.
+
+If I pulled the trigger today, I’d have \~$4M invested in equity and \~$6M invested in equity retirement accounts. That seems too low to be fatFIRE, especially if I want to spend \~$250K a year (after tax). If you take into account the PE earnings/income (which has a very long track record of production) and how it would take me pretty close to 59.5…it is obvious I could.
+
+Looking into ideas how should I view this situation. I don’t plan on pulling the trigger in the next year, but in the next 2-3 years, very real. I’m most concerned about having “real” money invested in “normal” equity compared to my “monopoly” money in PE that has been making me a hell of a lot more for many years. Do I continue to assume my monopoly money will continue to do what it has done for so long? Do I need more liquidity before saying adios? Do I need to quit being a whiny person with more than I need but wants more of a safety cushion?
+
+Lots of words, ask if you need clarification.
+So obviously you can, and it’s very expensive if you do it properly. But I mean more the experiences.
+
+I’m about to sell my house and I’m hoping to receive around 200k for it, I’m 28 and I’ll be moving back in with my parents (very short term lol) and the original plan was to look for a nicer house in a better area, that was the whole reason for selling my place. 
+
+I do have a good job for where I live, but I’d be lying if I said the thought of just planning a route and going travelling wasn’t crossing my mind daily. I am currently single, I have no pets, my car is approaching the end of finance so I could give it back and have no costs with it. My friends are all doing their own thing too. 
+
+My question is essentially for the people in my situation, if you’ve taken the plunge and gone travelling at this sort of period in your life, has it been worth it? Have you suffered financially afterwards to the point of not being worth the year or so of experiences? Was it really difficult finding a job afterwards?
+
+Are there any better routes to go down, I’ve thought of buying a rental property to rent out as I travel, or of course you can work while you travel but i feel this may ruin the experience a little bit?
+
+My current savings are £14,000 in an S&S ISA and whatever my house sells for. 
+
+Any tips / advice / experiences appreciated! And sorry if this is the wrong sub for this type of question.
+Hi everyone, 
+
+I'm 30 & am from the UK, built up a tiny bit of a pension in the Netherlands, and now live in Portugal. I work in academia which means relatively low income, and here I have no pension plan tied to my job or other forms of social security. I have enough savings as an emergency fund for a few months and now I want to start saving for retirement, but am unsure where best to put that money. I have contacted the retirement fund in the Netherlands, but paying into that was so unfavourable that they themselves advised me against it. 
+
+Is there a sensible way to build up savings for retirement? Ideally that isn't linked to a specific country? I already can't move my UK money to a better UK account because I'm not a resident there, and don't really want to convert to euros right now, so I want to prevent getting too tied to Portugal and having trouble extracting or moving money later. 
+
+Thanks!
+Hello Reddit,
+
+I'm a 23 year old guy from Belgium. I started to work full time in March of this year. Here is my financial situations right now: 
+
+* I still live at home and i'm **saving 1000€ each month** right now. (I would like to get this up to 1200-1500€ but i have planned an expensive holiday and i just spend too much money on food...) 
+* I **earn about 2000€ each month** after taxes and i don't have real expenses right now except for lunch at work which usually is a couple of euros and my gym membership which is 43€/month. (and the occasional gift for my girlfriend :D)
+* My **car, laptop, phone with subscription etc. is all payed for** by the company.  
+* I also have **private pension savings through my company** but maybe i should look into pension saving myself as well since i can deduct 30% of what i save from my taxes. (This tax reduction only counts for savings up to \~1000€/year)
+* When this month (August) is over i'll have **10.000€ in a regular savings account** at my bank. This is my emergency fund of which i could easily live off for a year at the moment.
+* I also have another **savings account at the bank with 1000€** which is money i would allow myself to use when i would want to make a big purchase (think: computer, spending a weekend with my girlfriend somewhere, some expensive toy...) This is actually sort of my emergency fund right now since i don't have big expenses anyway.
+* Over the last couple of months i have **invested 3000€ in to crypto currencies** (80%+ of which is bitcoin). This is **worth 4500€ at the time of writing**. This is all money i am prepared to lose and i'm planning to keep it at least 5 years. (Right now it is stored on Coinbase but i'm planning to eventually put it on a hardware wallet so it is safer)
+* I'm **not planning to rent or buy a home for the next 4 years** because my girlfriend has still at least 3 years of studying ahead of her. (in the next 4 years i could easily save another 50.000€ but i'm counting on at least 60.000€)
+* I've already did online **research on the stock market** myself as well as take a small basic fundamental analysis course. 
+
+This is what i would like to do:
+
+* Start investing in the **stock market**. (I've already created an account at Degiro, which looks like the best option for me)
+* I would like to focus on **dividend investing** because I eventually want to generate a nice passive income stream.
+* Thinking of **starting of with an accumulating ETF** since Degiro has some ETF's which can be bought without fees.
+
+This is what i am thinking about right now and this is also where I would like some thoughts and input:
+
+* I want to start and put at least **1000€/month in the following ETF**:  ISHARES MSCI WOR A (IE00B4L5Y983)
+   * Why?
+      * It is an accumulating ETF so i don't have to worry about reinvesting
+      * I can buy it on Degiro without purchasing fees
+      * It has a low operating cost of 0.20%/year
+   * I'm planning on **investing about 10.000€ in this ETF** over the coming months
+* I don't want to only ever be invested in this one ETF for the following reasons
+   * I would like to **diversify more**, this etf is 60%+ US Stocks and i feel like the american stock market is pretty highly valued right now.
+   * I want some **higher yielding single stocks** as well.
+   * I Belgium **the first 600-800€** (have to look in to the details) **of dividends received are tax free** so i feel like i should take advantage of this by investing in single high yielding good dividend stocks as well.
+   * I'm thinking about eventually having this ETF (and maybe 1-2 others to diversify) counting for **50% of my portfolio** and the **other 50% would be single stocks**. 
+* I'm **not thinking about bonds right now since i'm still young**. Maybe i eventually start a pensions savings account myself in which i will focus on bonds since my regular investing account will be all stocks.
+* **Should I wait till after the Brexit due date** of October 31 since a hard Brexit could maybe bring a world wide financial shock wave with it?
+
+​
+
+​
+
+Thank you so much for reading this entire post! Am I missing things? What am i forgetting? Is this a decent plan? What should i do with my investments when i want to buy a home in 4-5 years?
+
+I'm looking forward to the comments!
+
+​
+
+Have a good day,
+
+Milati
+EDIT: Thanks everyone for replying. Now, I think our Compliance/Legal department is confusing two terms - Exchange fund x Exchange traded fund.
+
+https://www.investopedia.com/terms/e/exchange-fund.asp
+
+A bit of context:
+
+* I work for a company that's publicly traded in the US.
+* I am a designated Insider due to my access to the company's data.
+* I invest in multiple ETFs but none of them holds my company's stock.
+* I want to invest in iShares MSCI Core World where stocks of the company I work for are part of the portfolio. The weight is less than 0.5% of all holdings.
+
+As an Insider, I am allowed to trade the company's stock only during open trading windows so I thought the same policy should be applied to ETFs. I wanted to be 100% certain so I reached out to our Compliance department and they told me that trading ETFs is form of hedging; and as such is strictly prohibited. This applies to all employees, not only Insiders. They stated that I cannot invest in ETFs with the company's stock even inside the open trading windows.
+
+I am really confused. How is investing in ETFs considered a form of hedging if I invest in standard ETFs, no leveraged or inverted ETFs? How is it different from buying the company's stock on the open market, which I am allowed to do as long as it's not during blackout windows? Do they misunderstand the term ETF, or am I missing something?
+
+Anyone in a similar position? What's your experience?
+What are peoples opinions on this stock. I was looking into them because I really like their investments in the Space field and their partnership with Blue Origin to build spacecraft. Also they pay a pretty nice dividend. They also have pretty solid earnings and the balance sheet looks clean. Overall just wanted to get other peoples thoughts on them.
+Hello everyone, I am currently investing $100 a month into VOO and I'm planning on opening a position in SCHD with a reoccurring investment of $10 a week. I know I should mainly prioritize growth stocks in the meantime but I wanted to know y'alls opinion on starting early with dividend investing. I figure that if I consistently invest $10 a week would help me snowball pretty effectively before I retire. PSA I plan on increasing that weekly investment as I work on my career.
+DISCLAIMER: Hey guys, had some good discussion with some people and there are some concerns surrounding Mainstar that have people second guessing this post. I also apologize if this post seemed like a call to action, really wasn't my intention. Just was a bit excited. I'm trying to learn from other people on this sub and truly thought this was a good option. We should definitely explore these options in more depth before rushing into it. I've been looking into this for a few months and I would never encourage someone to do anything less. Its good to have such a solid community fact checking each other and bringing up concerns in a civil manner. I'm going to pause on this for the time being, if nothing else though I hope this post has gotten a lot of people looking into alternatives for DRSing IRAs that doesn't create a taxable event.  
+TLDR: jury is still out on Mainstar Trust
+
+​
+
+Hello Apes,
+
+I hope you are enjoying this wonderful dip! I know I am!
+
+I just went all in with my last $12,000 in my IRA at $91 this morning.
+
+Since I'm tapped out I decided to seriously start looking into the process for DRSing my IRA WITHOUT creating a taxable event.
+
+With a special thanks to the people over at [drsgme.org](https://drsgme.org) I decided to follow through on the IRA in kind transfer and boy oh boy do I have some spicy news ([https://www.drsgme.org/direct-register-shares-from-ira-in-kind-direct-transfer](https://www.drsgme.org/direct-register-shares-from-ira-in-kind-direct-transfer))
+
+I reached out to Mainstar via their online email form a week or so ago and didn't hear back anything from them so I figured I'd give them a call.
+
+I spoke to a person saying I have some shares that I'd like to DRS and that I want Mainstar to be the custodian on the account to maintain my IRA status and not create a taxable event.
+
+They forwarded me along to an account specialist. To which I reiterated my intentions, in the middle of me explaining she cuts me off and says "Is this for GameStop?". I did NOT mention GME at all, just the fact that I had some shares that I wanted to DRS. This definitely jacked my tits. It jacked my tits even more when she said "YES" we can do this for you!
+
+Q: Would Mainstar be the custodian on the account?
+
+A: Yes
+
+Q: And this won't create a taxable event?
+
+A: No, as long as you do a direct transfer from one account to another.
+
+Needless to say I'm super pumped!
+
+I plan on creating a follow up post with more details!
+
+​
+
+For starters I was told to go here: [https://mainstartrust.com/forms](https://mainstartrust.com/forms) and select the paper work for the account you are trying to transfer over.
+
+​
+
+See you on the moon apes!
+
+EDIT: SEE HOW OTHER APES DID THE SAME!  [https://www.reddit.com/r/Superstonk/comments/scpxs9/another\_path\_to\_drsira\_with\_no\_taxable/](https://www.reddit.com/r/Superstonk/comments/scpxs9/another_path_to_drsira_with_no_taxable/)
+Hey everybody,
+
+Last month has been the most expensive month in my 15yr working life. In June, a lot happened:
+
+-I started visiting a cardiologist because of strange chest pain. Had multiple expensive tests done ($1500).
+
+-I visited the ER after a bout of extreme chest pain and was diagnosed with pleurisy ($1000). First ER visit ever for me in 20+ years actually. Just glad it wasn't cardiac.
+
+-We repaired a foundation watering system for our house (this is absolutely essential where we live) ($500)
+
+-And the wife got one time surgery for Sinusitis ($5000)
+
+-And the wife replaced some durable medical equipment she needs to replace every 4-5 years ($1000)
+
+-And then I had the first accident in my life in the same month. I totaled my car and bought another used one for cash ($7000).
+
+Under ordinary circumstances, a family with our middle class income would be under an incredible amount of financial stress and strain.
+
+But we aren't having trouble at all, at least financially. We haven't even had to worry about money in the slightest because we're savers. I think this is one of the largest benefits of FIRE or at least a saving mentality in general.
+This after being up 20% yesterday, I've always been a bull on their stock but this is just full blown insanity right now. Only thing I can compare this too is Bitcoins bull run to near $20k couple years ago. Bottom has to fall out eventually right? The smart people are going to take their profits and run right?
+Your markets are run by bots. Now your /r/Asx_bets daily threads are too.
+
+Read the [wiki](https://www.reddit.com/r/asx_bets/wiki/index/) people[.](https://styles.redditmedia.com/t5_2hqqj5/styles/communityIcon_41pmnaqp4zn41.png?width=256&s=59bf38425fb316fdcba30365b272a5f19352f370)
+
+[Posts relating to the "Is /r/ASX\_bets about finance or effect your mental health?" etc will lead to a ban of the mods chosing. You have been warned.](https://www.reddit.com/r/ASX_Bets/comments/l0l9et/the_does_asx_bets_effect_your_finances_emotions/?utm_medium=android_app&utm_source=share) 
+
+Automoderator may provide "Guidance" for Lazy and zero effort posting.
+
+[We have an active official/unofficial discord. It's open to all discussions, stonks related and non-stonks related.](https://discord.gg/EKU2tVBp9u)
+Your markets are run by bots. Now your daily threads are too.
+
+​
+
+This thread is for plans and thoughts prior to the market open period.
+
+Maybe use this time to read the [wiki](https://www.reddit.com/r/asx_bets/wiki/index/) [.](https://styles.redditmedia.com/t5_2hqqj5/styles/communityIcon_41pmnaqp4zn41.png?width=256&s=59bf38425fb316fdcba30365b272a5f19352f370)
+
+​
+
+Posts relating to the "Is /r/ASX_bets about finance or effect your mental health?" etc will lead to a ban of the mods chosing. [You have been warned](https://www.reddit.com/r/ASX_Bets/comments/l0l9et/the_does_asx_bets_effect_your_finances_emotions/?utm_medium=android_app&utm_source=share).
+
+​
+
+[We have an active official/unofficial discord. It's open to all discussions, stonks related and non-stonks related](https://discord.gg/wsNDGTf5QH).
+Your markets are run by bots. Now your Weekend threads are too[.](https://styles.redditmedia.com/t5_2hqqj5/styles/communityIcon_41pmnaqp4zn41.png?width=256&s=59bf38425fb316fdcba30365b272a5f19352f370)
+
+Read the [wiki](https://www.reddit.com/r/asx_bets/wiki/index/) people.
+
+[Posts relating to the "Is /r/ASX\_bets about finance or effect your mental health?" etc will lead to a ban of the mods chosing. You have been warned.](https://www.reddit.com/r/ASX_Bets/comments/l0l9et/the_does_asx_bets_effect_your_finances_emotions/?utm_medium=android_app&utm_source=share) 
+
+[We have an active official/unofficial discord. It's open to all discussions, stonks related and non-stonks related.](https://discord.gg/wsNDGTf5QH)
+Your markets are run by bots. Now your /r/Asx_bets daily threads are too.
+
+Read the [wiki](https://www.reddit.com/r/asx_bets/wiki/index/) people[.](https://styles.redditmedia.com/t5_2hqqj5/styles/communityIcon_41pmnaqp4zn41.png?width=256&s=59bf38425fb316fdcba30365b272a5f19352f370)
+
+[Posts relating to the "Is /r/ASX\_bets about finance or effect your mental health?" etc will lead to a ban of the mods chosing. You have been warned.](https://www.reddit.com/r/ASX_Bets/comments/l0l9et/the_does_asx_bets_effect_your_finances_emotions/?utm_medium=android_app&utm_source=share) 
+
+Automoderator may provide "Guidance" for Lazy and zero effort posting.
+
+[We have an active official/unofficial discord. It's open to all discussions, stonks related and non-stonks related.](https://discord.gg/wsNDGTf5QH)
+Your markets are run by bots. Now your daily threads are too.
+
+​
+
+This thread is for plans and thoughts prior to the market open period.
+
+Maybe use this time to read the [wiki](https://www.reddit.com/r/asx_bets/wiki/index/) [.](https://styles.redditmedia.com/t5_2hqqj5/styles/communityIcon_41pmnaqp4zn41.png?width=256&s=59bf38425fb316fdcba30365b272a5f19352f370)
+
+​
+
+Posts relating to the "Is /r/ASX_bets about finance or effect your mental health?" etc will lead to a ban of the mods chosing. [You have been warned](https://www.reddit.com/r/ASX_Bets/comments/l0l9et/the_does_asx_bets_effect_your_finances_emotions/?utm_medium=android_app&utm_source=share).
+
+​
+
+[We have an active official/unofficial discord. It's open to all discussions, stonks related and non-stonks related](https://discord.gg/wsNDGTf5QH).
+Your markets are run by bots. Now your daily threads are too.
+
+​
+
+This thread is for plans and thoughts prior to the market open period.
+
+Maybe use this time to read the [wiki](https://www.reddit.com/r/asx_bets/wiki/index/) [.](https://styles.redditmedia.com/t5_2hqqj5/styles/communityIcon_41pmnaqp4zn41.png?width=256&s=59bf38425fb316fdcba30365b272a5f19352f370)
+
+​
+
+Posts relating to the "Is /r/ASX_bets about finance or effect your mental health?" etc will lead to a ban of the mods chosing. [You have been warned](https://www.reddit.com/r/ASX_Bets/comments/l0l9et/the_does_asx_bets_effect_your_finances_emotions/?utm_medium=android_app&utm_source=share).
+
+​
+
+[We have an active official/unofficial discord. It's open to all discussions, stonks related and non-stonks related](https://discord.gg/wsNDGTf5QH).
+**I've been mainly lurking for a few years and in my opinion, there are currently a few issues regarding this subreddit:**
+
+​
+
+* too much publicity
+
+WSB was originally a small community of autists wanting to make big gains with smart plays. Today WSB is more like an open discussion board, that's all over the news, and everyone can join and try to make some gains.  It's good to have a decent amount of players here but let's keep the information to ourselves and off the newspapers and CNBC. There is only a limited amount of gains to be made, let's keep the gains to ourselves and the boomers away. Also, what was the point of expanding to Twitter?
+
+* too many new wannabe autists
+
+WSB is on the frontpage of reddit like every other day with memes, and it attracts a lot of new members. Those new members aren't true autists and they clearly have hard time adjusting to our culture. This has caused attacking certain parties that we don't agree with, pump and dump schemes, lots of stupid posts and upvoting them, that nobody would have upvoted 6 months ago and so on. In general this is much more like a meme subreddit now, even when we are approaching the most important earnings week of the year. A good portion of the new members don't even understand the last sentence.
+
+* this isn't WallStreetMemes, this is WallStreetBets
+
+Anyone who's been here longer than 3 months, knows that we used to have much more useful posts or gain/loss porn in the frontpage of WSB, now it's mainly memes. It's fine to have memes here and there but most of them are just low quality karma farming memes and they get old real fast, unlike loss porn. I bet anyone who has been here longer than a year, would like to see people tattooing stupid shit, drinking piss, GUH their wife's boyfriend's savings away, and just see people act like the true autist they are, rather than these boring new memes.
+
+​
+
+**How to fix this?**
+
+1. We had the rule for not allowing posts to be in r/all for like a whole 10 minutes back in the days, and I think we need that back. If someone is a true autist, they will find their way here regardless.
+2. Keep the WSB inside the WSB. No Twitter, no news, no sucking Cramer's dick to get to CNBC. We already have enough autists here to be a big player in financial markets. We don't need SEC to do us what your wife's boyfriend does to your wife.
+3. GME to the moon
+4. WSB needs to be kept under control. True autist never attacks anyone, we just troll people, make tendies and jerk to loss porn. It's pretty simple and if you can't accept it and follow the rules, you deserve to get banned.
+5. Let the new members become true autists, absorb our original culture, and I think WSB can be like it used to be. But if we constantly have a lot of new wannabe autists coming in, they are gonna take this sub over and there's nothing we can do.
+
+​
+
+positions:
+
+pronebone, 156 shares of TSLA, 80 shares of GME, lots of leap calls and smaller positions
+I had often heard that if you mention you are new to crypto, lots of scammers will DM you and offer to trade for you. But the thing is, I hadn't received any of those DMs so far, and I was looking forward to, because I was once a scambaiter and I missed the good old days.
+
+Well, this "crypto trader" contacted me out of the blue three weeks ago, and I happened to have some free time in my hands. He stole the pictures of some real guy who works with blockchain technologies. He really wanted to talk about crypto, but I tried to deviate from this topic and tried to flirt with him instead. I provided some fake info about myself, and acted like I was very lonely and very happy to finally talk to someone. I wanted to waste his time, but he kept asking about crypto.
+
+Day by day, I tried to gain his trust. I acted very naive and grateful for his advice. I even told him someone had DM'ed me to discuss crypto, and that I suspected it could be a scam. He instructed me to block those people as soon as possible. One day, I asked to do a voice call, but he couldn't because apparently that would disrupt his crypto signals, whatever that means. He claimed to be from the US, which I'm sure he wasn't, judging by the way he expressed himself.
+
+He wanted my crypto asap. He was going to trade it for free because he loves me so much. I told him I was going to receive an inheritance in crypto, but that my attorney was the one managing it. I asked whether I should tell the attorney about our "relationship" and how he was going to trade for me. He ordered me not to tell anyone about "us". Unfortunately for the scammer, the "attorney" would be back around the second week of September. This bought me some extra time to keep wasting his.
+
+I never thought I would end up pulling this off, but what I did has all the characteristics of an advance-fee scam:
+
+1. The "attorney", who was the custodian of my crypto inheritance, told me he was holding 2.74 BTC on my behalf.
+2. I went to see the attorney and signed some documents, where I gave him permission to transfer all my crypto to the scammer. I gave scammer a made-up case id and asked him to contact the attorney.
+3. Scammer contacted the attorney but didn't provide the id. This delayed things (also because I was busy in real life). Id was requested again.
+4. Scammer provided the id and his address for the transfer to take place.
+5. Attoney informed scammer that, to avoid scams, and to pay for administration costs, he would have to transfer 0.05% fee in advance (0.00137 BTC).
+6. I woke up to a formerly empty wallet that now contains the 0.00137 BTC, I couldn't believe it! This is [the transaction](https://www.blockchain.com/btc/tx/d5a2c2c2802c9e2d630c51cbf62450155cf6263067f586a96650777910b8a3a4).
+
+Now, I have this weird feeling, because I hold BTC that might have been stolen from someone else. I might hold it for a few months and then donate it to the food bank or something, I don't know. At least I hope he learned a lesson and will devote his time to something other than scamming people.
+
+Here are some images with the highlights of our 3 weeks of interaction:  [https://imgur.com/a/mnFJhj1](https://imgur.com/a/mnFJhj1)
+
+By the way, Reddit does not allow you to report a profile, all I could do was report the pictures he stole from someone else, and I also warned that someone else.
+
+Edit:  After getting the fees, the attorney told him that his activity was suspicious so the fees had been frozen and he was going to be investigated for fraud and impersonation.
+
+Hours later, I messaged him as myself telling him the attorney had called me  and that he had found out he was a scammer. I said I couldn't believe he had betrayed me like that! The last thing he said was that he loved me.
+
+Edit2: Thanks everyone for all the love! I don't think I am able to answer to every single message individually at this point, but thanks so much again! 
+Hey all,
+
+GME is a massive powder keg about to explode.  Curious?  Read on to find out more...
+
+A very reliable technical indicator created by Rocky Outcrop is flashing a rare signal that cannot be ignored.
+
+**Full credit goes to Rocky Outcrop and Trade Spotting for creating this custom DMI indicator and sharing it with the masses.**
+
+# TLDR
+
+* The Directional Movement Index (DMI) started flashing a powder keg signal on June 29th.  This signal has only flashed three other times in all of 2021
+* The ignition source of the signal (the ADX line) is at it's fourth lowest point **since 2018**.  The lower the ADX goes, the more certain we can be of a near-future run-up
+* When the powder keg explodes, expect volatility and momentum to **skyrocket**
+
+# DMI
+
+The Directional Movement Index (or DMI for short) is a technical indicator made up of three components:
+
+* **DI+**: This shows the current momentum of positive price movement.  This is shown in **YELLOW** on my charts below
+* **DI-**: This shows the current momentum of negative price movement.  This is shown in **PINK** on my charts below
+* **ADX** (Average Directional Index):  This shows the *strength* of the current price movement.  This is shown in **BLUE** on my charts below (crossover points denoted in orange)
+
+**The powder keg signal:** When the DI+ and DI- lines converge (come together) **AND** the ADX line is simultaneously at a low point, the powder keg is lit.  This is denoted by a **gray background highlight** on the charts below
+
+Without further ado, here are the charts:
+
+# Current Price Action
+
+[Current Price Action.  DMI Power Keg lit as of June 29th](https://preview.redd.it/lklugrdlhn871.png?width=1032&format=png&auto=webp&s=4678d387e3ac1f692432e9117266407ce291cd1c)
+
+Above shows our current price action over the last 6 weeks.  As we have been consolidating from June 9th, the DI+ and DI- lines have converged and the ADX is at an extreme low.  Notice the powder keg signal flashing (light grey box) as of June 29th.
+
+# Historical Price Action
+
+[Historical Price Action.  Multiple Signals Flashing over 2021](https://preview.redd.it/tsvvhn7mln871.png?width=1098&format=png&auto=webp&s=c88a922bbf50331713f897de4995ba44ac13a078)
+
+This is only the **4th time this entire year** the DMI powder keg has been lit
+
+* The first signal was flashed at the end of February roughly 1 week before our huge run-up from $40 to $350
+* The second and third signals were flashed together roughly 2 weeks before our May run-up from $140 to $350
+* The fourth signal just started flashing on June 29th.  This would indicate a huge move up in the next 1-2 weeks.  Run-up to commence from $200 to ???
+
+# Bonus Chart
+
+[Historical ADX Data](https://preview.redd.it/m19pl7zxjn871.png?width=1538&format=png&auto=webp&s=56a9d0a9096ea3b1dd860b035d812d0c5455a879)
+
+Bonus chart!
+
+The ADX is the fuse that ultimately ignites everything as it shows the current momentum has stalled and volatility is ready to pick back up again.
+
+Since **2018** the ADX has only ever been this low **THREE OTHER TIMES**.  The most recent low point is happening right now!  Historically speaking, GME is in a situation where it is ready to explode any day.
+
+# Footnote
+
+For those who believe TA is invalid on GME and other SHF-manipulated stocks, I respect your opinion.
+
+My opinion? TA is not the holy grail by any means, but it is still valid on GME.
+
+Why? Because TA relies heavily on human patterns and emotions as they relate to stock prices. GME is no exception. There are still support and resistance levels like everything else.
+
+Yes there is **no denying** GME is heavily manipulated, but that doesn’t change the larger philosophy TA is based on.
+
+Remember, TA is not a crystal ball but it does offer a glimpse into the **most likely** outcome.
+
+To each his/her own.
+
+***I am not a financial advisor and this is not financial advice***
+Hey apes and apetesses,
+
+This is not counter dd, not even dd. Its just a clearification about the differences what many apes missed by fomo.
+Like titled, record date is not equal to share recall (date).
+The record date is the date on which the board decides about dividend payment amount and else.
+Its not the date to cover shorts.
+Furthermore the record date is much more a deadline for an ecentually happening share recall.
+They could do it next monday, thursday, on 04/20 or maybe they dont.
+So please, dont stick to a date with wrong assumptions.
+Last year gme made a recall, this year we still dont know (although its likely).
+Furthermore, if a share recall is announced, hedgies dont need to cover at this instant. Last year they started something like 3 days later.
+
+Please use google, you can check that in 20 seconds before posting trending things here.
+Be an educated ape, have 1 or 2 wrinkles.
+
+Gme is gonna moon, but we dont know when. I dont want apes to panic after 04/20 - predictions on a not predictable situation are worthless and melvin like.
+Dont be like Melvin.
+
+Apely regards.
+
+
+EDIT 1: SORRY for grammar an may be some missunderstanding here: the shares must be recalled by yourselve with your broker. The active part here is up to u, not to gamestop (if ure not an insider/institutional owner).
+U got time till 04/20 to do so, the record date is the deadline (ur brokers may need some time, so be fast). There are already post for different brokers how to do it.
+
+EDIT 2: wishes for TLDR: BUY, HOLD and write ur broker to recall ur shares, deadline 04/20, so be fast.
+Not financial advice, just had some beer.
+So you find a house for 100k, you put 20k down, the bank loans you 80k for 30 years at 3%, so you owe them around 360 a month.
+
+But, when you buy the house, you might need to put another 10k to remodel it, and another 5k in closing costs, so now your ROI is to be calculated for 35k, not 20k.
+
+So you rent it for 1k, 40% goes towards maintenance (so 400), 360 to the bank, you're left with 240, which is 2880 a year.
+
+Now, on 20k, that's more than 14% COC, which is good, however, on 35k that's only 8% COC.
+
+Do you take another loan to remodel the house, or how do these numbers make any sense ?
+
+​
+
+What about doing an interest only loan ? How does that work ? You would pay 200 a month rather than 360, however, before your total payment is due, do you refinance and pay the bank or sell, pay the bank, and keep the rest and do a 1031 exchange ? Thank you all in advance for contributing to such an amazing community
+I was thinking about bonuses at work. If I got a $100 bonus or something out of the blue, it would be nice but it wouldn't really change anything about me day to day life. Same with $1,000 to be honest... I would have the same bills, the same house and I would still go to work the same. 
+
+Obviously if someone handed you (or me) $1,000,000 that would change a lot of things. But I was thinking about what is the smallest amount of money that would really change something about your day-to-day life on a semi-longterm basis. $500 to get out from under a credit card? $5,000 for a new car? $8,000 for a down payment on a new house? 
+
+I asked people I know in person this question and I got everything from about $700 (credit card) to $50,000 (pay off house) to "nothing short of total financial freedom and not having to have a job anymore would charge things for me" (which was actually kind of the most pessimistic and saddest answer).
+Moved in with two friends in February, one roommate got a SO soon after and has been spending 80% of his time at her place. Almost never see him, except randomly during the week and on weekends.
+
+​
+
+He recently decided that he didn't want to pay for utilities anymore.
+
+As he is making the personal choice to spend more time at his SOs place but still wants to come and go using the water and electricity and internet I do not feel his argument is valid.
+
+​
+
+I say he should have to pay them as he signed a lease and when moving in together it was agreed upon that we would split everything 3 ways. He is fully aware I do not have as much financial flexibility as he does, and have to budget more strictly.
+
+Am I wrong in this situation? anybody else have a similar experience they could share?
+
+​
+
+Thanks!
+
+​
+
+​
+
+UPDATE: 
+
+​
+
+ 
+
+Thanks for all the feedback!
+
+The amount of time he stays with us is so variable that its near impossible to pro rate if we wanted to.
+
+Often times his SO and her dog will stay with us for extended periods of time, just not as often as him being gone.
+
+This past summer for example she and her very poorly trained dog were at the house m-friday every week for 3 months. sharing a bathroom/power etc. Never asked her to pay a dime. Also her dog left permanent damage to the house, which will most definitely result in us not getting our deposits back, and possible extra fines as we aren't allowed pets.
+
+I don't feel like hes earned any sort of mercy or leniency based on his track record. I will force a sit down and go from there.
+
+Thanks again!
+
+​
+
+​
+
+​
+
+​
+I am 19 years old and in an apprentice program to get my lobster license. I'm making really good money and have a bunch saved but I don't have any credit. How can I raise my credit to get a loan for a boat in the next few years? 
+So, I look at the sell orders on the book nearly every day. There are always big walls at $350 and $400 and in between, in pretty much every market (pre, regular & post). Today those walls aren't there, maybe someone has had their trading access revoked due to marge calling or maybe they are saving their ammo for a big attack on open? I honestly hope the latter, as would love to get some more cheap shares.
+
+This is pretty much what it always looks like,
+
+https://preview.redd.it/vv2glzo9le471.png?width=1376&format=png&auto=webp&s=c52e06e9406f356c2c4a54426533121bfb859a70
+
+and this is what it looks like now,
+
+https://preview.redd.it/4vtntu2jke471.png?width=916&format=png&auto=webp&s=aca968b49ae4a68110bec54ab16a62ed71314236
+
+If you look at this chart reguarly, the big sell wall points are nowhere near as fat as usual,
+
+https://preview.redd.it/qnbj1b6pme471.png?width=2772&format=png&auto=webp&s=2f026a9874695fb29e84edf60687464ef1dac326
+
+Also an interesting thing to see is that the majority of trades are odd lots, pretty sure these don't affect the NBBO, but probably need someone wrinklier than me to look into that.
+
+https://preview.redd.it/4307k8g4qe471.png?width=904&format=png&auto=webp&s=c3348478bd28493c8959e983989bc0f5f4a25036
+
+Soruce: [https://apeboard.xyz/](https://apeboard.xyz/)
+
+edit: I don't think my site has had this much traffic yet, so it might be patchy today, putting in some fixes now.
+
+edi2: Some big reactive wall now coming in, just saw one appear and disapear at $288, $350 and $340 getting more orders tagged on.
+
+https://preview.redd.it/nwfuct712f471.png?width=908&format=png&auto=webp&s=e7d07c01df3bd561c08f58364ddc6f15c49d1255
+[Article.](https://www.cnbc.com/2018/02/09/amazon-reportedly-launching-a-delivery-service-for-businesses.html)
+
+
+
+    Amazon is gearing up to launch a delivery service for businesses, the Wall Street Journal reported on Friday.
+    The service is called "Shipping with Amazon" and will see the tech giant picking up packages from businesses and delivering them to customers.
+    Shares of FedEx and UPS were sharply lower in pre-market trade.
+
+
+Curious what the sentiment is.
+
+These last 30 days have been brutal for me, having a hard time finding volatility to trade, on the trades I have made I'm seeing a lot of losers that should have a 90% chance of winning - theta decay is getting dwarfed by random spikes in volatility that don't simmer down, coupled with a handful of positions where 10 delta shorts get breached. 
+
+I'm thinking about sitting on the sidelines for a bit until this market volatility increases.
+
+What are you all experiencing, and what have you been trading?
+Between still waiting on ue and being out of work for a month, then coming back to work, worrying that once unemployment kicks in, i would be making more from that than my paycheck, i needed this. I clean cars for a living so its hard to consider myself essential. But i can't turn down a paycheck, so when i was called back in, i knew i had to make the best of it. A huge weight has just been lifted from life for me. At least for the time being!
+
+Good luck all and stay safe!!
+Welcome to the Daily General Discussion thread of /r/EthTrader.
+
+***
+
+Thread guidelines:
+
+-  Please refrain from discussing non-Ethereum related tokens here. You are welcome to discuss altcoins in the Daily Altcoin Discussion thread.
+-  All [sub rules](https://www.reddit.com/r/ethtrader/about/rules/) apply here so please be familiar with them.
+
+***
+
+ Resources and other information:
+
+* Find the latest Altcoin Discussion thread in [this search listing](https://www.reddit.com/r/ethtrader/search?q=author%3Aautomoderator+title%3Aaltcoin&include_over_18=on&sort=new&t=all).
+
+* Newcomers who have basic questions about Ethereum can find answers by visiting /r/EthereumNoobies or our Ethereum Education wiki page, [see here](https://www.reddit.com/r/ethtrader/wiki/education).
+
+* To view live streaming comments for this thread, [click here](https://reddit-stream.com/comments/auto).  Account permissions are required to post comments through Reddit-Stream.com.
+
+***
+
+Enjoy!
+
+This closing company has been terrible. They are sketchy and don't seem to know what they are doing. 
+
+Luckily my agent and lender have been helping them do their job because they can't seem to handle that. $15K oopsies? Really? Luckily we got that fixed. 
+
+I never realized closing companies could be so bad since I always have used good ones up till now.
+
+About to go close now, wish me luck.
+Economic data released yesterday showed that household savings went up from 9.6% in Q1 to 29.1% in Q2. [Source data here.](https://www.ons.gov.uk/economy/grossdomesticproductgdp/timeseries/dgd8/ukea)
+
+Much like the GDP figures, this is totally unprecedented. Even more so when considering where interest rates are. I know I've been stashing away considerably more - no train tickets, no lunches out, no big trips and no new clothes this year. And I've been filling up my S&S ISA instead.
+
+I'm wondering what you all think the repercussions of this might be, positive or negative? Both for us as individuals and for the wider economy. 
+
+How much distortion is this causing in the housing and investment markets? Will there be a big post-covid splurge? Will we all go back to normal and see savings rates go back to past levels? Or will some sections of society find themselves enjoying new levels of financial security through long term cost savings (e.g. continued working from home) while others continue to struggle (e.g. hospitality)?
+Heya, apes and apettes. It's been a while. As is customary, /u/jsmar18 can confirm that this is indeed me.
+
+​
+
+I felt it necessary to step out of the mists for a moment to point out some things I've seen apes doing well, and some....less so. Much of what I and former colleagues have been working on has to stay under wraps for now, but I can assure you great progress has been made thus far.
+
+As I'm sure you can tell, "what's coming" ain't very far off now, and as we inch closer to our ultimate victory, I must ask all of you to continue to embody the principles, morals, and respect that have defined this sub, and the trade as a whole, for going on a year now. I truly believe that the vast majority of you have set aside your disdain for the way things are, in the interests of making them better in the future. However, we cannot afford to be on the fence about these kinds of behaviors.
+
+There are bad actors among you now. Far more than there ever have been before. What many of you see as forum sliding CS transfer posts are far from it. They are exactly the kinds of posts that we need and should treasure. You know I had been a vocal opponent of DRS in the past, because I simply hadn't had enough experience with it. If I was snippy with you about it before I had properly informed myself, consider this an official apology. As I've said before, if you are with a reputable broker, your shares will be fine, but Computershare is most definitely the way. If you can join the countless others in transferring without great undue costs to yourself, I believe it is wise to do so. And I take no offense to seeing a front page full of DRS posts. In fact, it makes me quite giddy.
+
+But I have gotten a distinct sense from many of the posts that do break through the Great Purple Cockring Wall that there are initiatives and movements being undertaken that are not in the best interests of apes. I cannot guarantee you that these are being perpetrated and propagated by bad actors, but I can tell you that if I were one, they are exactly the types of initiatives that I would be pushing.
+
+Case in point: the Citadel Powder Duo. Many of you know my history, and I ask you to keep that history in mind when I say this: Nothing good can come of spreading this far and wide, especially in a disdainful manner, for a number of reasons. One, they are nobodies. Ken and his ilk are the ones perpetrating this. They alone should be the target of our ire. Two, it won't have the effect you think it will. Not only won't Citadel's investors care, they may even support it. We don't have a client list. We can't shake a finger at them and say "look what you support!" And if I'm being blatantly honest with you guys....there may be nothing more effective on this Earth than that fine white powder when it comes to making the mundane interesting and making one care about people (or clientele) they just don't. They're likely doing their very best work on that substance, and you'd be hard-pressed to find anyone with any knowledge of the industry that will outright condemn them for it.
+
+But most of all: it simply does not matter. You've already won, and it is but a matter of time before you are handsomely rewarded for said victory. All of this, any seedy detail you could ever want, will all come out in the post-mortem, and you'll have all those brand new dollars to hold their feet to the fire in court, should you desire.
+
+​
+
+**TLDR: This trade, this community, whatever you wanna call it, has always been built on love. Love for our fellow common man, love for the ideals baked into our constitution that were never really lived up to (until now). Continue to share all the wonderful things you'll do with your tendies, and focus less on trying to tear people down, especially if they're not directly involved in perpetrating all this fraudulence. There's no need to give anyone any ammunition to question our morality or sanity, especially since they know damn well this all comes from a place of love and equinimity.**
+
+**And when all is said and done, I will see you in the mists, my friends. Let the intelligence and compassion that put us in this position to win be what is most apparent about us. Because there's a lot of work to do on the other side of this. But I'm up for it, because I know you're like me and Marshawn: "just 'bout that action, boss."**
+
+​
+
+edit: look at the top post on the front page. When's the last time you saw 22k upvotes for ANYTHING? Use your heads, apes. This is counter-productive. Plain and simple.
+Hi everyone, I am getting very frustrated with the high MERs on my mutual funds. I have an appointment with my financial advisor at RBC next week and I want to address this concern. If I decide to abandon the mutual funds and go my own way with ETFs (my advisor doesn't sell those), how do I sell all the funds. Should I do it all at once or should I do it over a couple of years? I'm worried about the capital gains I assume I have to pay tax on when they get sold (?). For reference It's a 6 figure portfolio. Any advice is greatly appreciated. Also if anyone has good talking points for how to address it with my advisor. I know it's my money and my right to do as I please but I am also fairly soft-spoken and have trouble asserting myself.
+
+Thanks!
+
+Edit: I should mention that my TFSA and RRSP are maxed, and I know they won't be an issue for taxes if I sell them. The majority of my investments are in a non registered account due to no more room in the registered. So I am getting good advice from my advisor in that regard. I'm sure the funds she has me in are decent as well but at almost 2% mer it just seems insanely high.
+Bought 20% down for $785k 4 years ago. Have $633k left on mortgage at about 4% interest, $3100 P+I only per month, and saving for forever home. If we would be able to wait a few more years and pay cash on down payment for forever home, would it be worthwhile to keep it to rent?
+
+Tax is about $12k/yr. Rent would be about $3300/mo but the quality of renters here are generally stable (whatever that means now) young professional families.
+
+We would ideally do some cosmetic touch ups around $10k to fix it up for rent, but could sell as is without fixing.
+
+Edit: house would probably sell about $850k right now
+
+Edit: $850 is what our realtor suggested we list at to close if we want to trade up contingent on a sale, not sure if that’s what it’s worth but comps around there
+New rewards proposal for stakers from V. Personally I think it's more favorable to stake with these returns. I expect around 10 million to be staked initially. It would be 0.5% inflation at 10 million and 1% at 30 million. [(credit Econoar)](https://twitter.com/econoar/status/1119663109361192960).
+
+The rationale according to Justin Drake:
+
+>Below's my rationalisation as to why the numbers are reasonable.  
+>  
+>Targeting 2\^25 ETH at stake (\~32m ETH) for the long term feels about right for strong security. In such conditions, the base inflation would be \~1% and the base return \~%3.2%. Assuming each shard consumes on average 1,000 ETH in gas per year (about 100x less than what Eth1 consumes today), with half of the gas burnt, then inflation would be \~0.5% and the validator return \~5%. Feels healthy!  
+>  
+>If we get significantly less than 2\^25 ETH at stake then doubling the base inflation wouldn't be unreasonable :)
+
+​
+
+|**ETH validating**| **Max annual issuance**|**Max annual return rate**|
+|:-|:-|:-|
+|1,000,000|181,019|18.10%|
+|3,000,000|313,534|10.45%|
+|10,000,000|572,433|5.72%|
+|30,000,000|991,483|3.30%|
+|100,000,000|1,810,193|1.81%|
+|134,217,728|2,097,152|1.56%|
+
+[https://github.com/ethereum/eth2.0-specs/pull/971](https://github.com/ethereum/eth2.0-specs/pull/971)
+I have no job experience, so I probably should get smaller jobs in retail or something related to build up my resume before pursuing any career type jobs.
+
+I find economics as a very objective field, which I love. And I love numbers, math, and graphs. I took AP Macroeconomics in my Senior year of high school and passed the exam. I took Microeconomics last semester in college and I got an A. Challenging at times, but very enjoyable for me. 
+
+I am trying to have some sort of outlook for my future as an economist. If you have a job as an economist, what do you do on a daily basis? Is it... Tiresome, difficult, easy, stressful, etc.? Is it collaborative and social (working with others) or more isolated (which I prefer)? What favors/activities do superiors tell/ask you to do? Thx!
+I don't really see many economists talk about it. 
+Why do they not talk about it?
+Is there something wrong with the calculation of it?
+To be clear, I'm using the definition on the [Wikipedia page.](https://en.wikipedia.org/wiki/Living_wage)
+It seems like prices shrinking would be a good thing for normal people insofar as there's less downward pressure on their budgets. The Central Bank in my country, like every Central Bank, is doing its best to increase inflation however. So I assume there's a solid foundation for this policy?
+Instead of selling them to hedge funds like a certain movie stock, they are selling their shares directly to the investors. On top of that with the share price as of right now, it’s on average 5 million shares is worth around 1.2-1.6 Billion.
+
+NOW IMAGINE A PRESS RELEASE
+
+GAMESTOP ADDS 1.5 BILLION TO THEIR BALANCE SHEETS ON TOP OF THE 900 MILLION THEY ALREADY HAVE.
+
+Bullish
+Hey everyone, I’ve been reading through this group on/off for the last few months as I’ve come to realize I’m getting older and need to get started asap. I’m 37 and don’t have much of anything to my name for investments. My goal is to start throwing as much as I can towards dividends. I’m feeling overwhelmed and so behind. Any advice or recommendations on one’s I should begin starting off with would be much appreciated!
+They’re buying the Bitcoin now at today’s prices, and it’ll be in a multisig wallet and disbursed weekly. They’re 1099ing me on the whole amount at purchase price. Waiting on the contract to be sent over. 
+
+Is this real life?
+
+**edit**: Thanks for all the interest! I really love this community. 
+
+Lots of good talk about taxes, yes they are thing, yes I know that, yes I’m prepared for it. It factors into my thinking. (I have a boating accident planned exactly 12 months from now!) (edit: surprisingly many people don’t recognize that’s a joke...)
+
+More importantly though, the two biggest things that recently convinced me I just had to do this, and I want to share, are:
+
+1) I bought something on Amazon with Bitcoin using https://paywithmoon.com/ and the process was as exciting as the first time I downloaded a song with Napster. (Edit edit: this is definitely not the company I work for btw, someone clever suggested that)
+
+2) I also read the piece “Masters and Slaves of Money” by Robert Breedlove (https://breedlove22.medium.com/masters-and-slaves-of-money-255ecc93404f) and it finally clicked: if someone can manufacture something for nothing and then get you to exchange your life for that thing, then you are a slave. It was true when the Europeans made aggry beads to buy Africans for the slave trade, and its true when the Federal Reserve and the Commercial Banks create monetary units by just pushing a button. Like a conscientious objector simply cannot fire a weapon, I simply cannot trade my time for slave money ever again.
+**TL;DR: GME had a movie division called MovieStop it spun off in 2012. It encountered financial distress and it was acquired by Hastings Entertainment, a retail entertainment company. Then THAT company encountered distress, and was "saved" via a loan by Pathlight Capital after Hastings rebranded as "Draw Another Circle LLC. That then went bankrupt too.**
+
+Wiki link: [https://en.wikipedia.org/wiki/MovieStop](https://en.wikipedia.org/wiki/MovieStop)
+
+Btw, I posted this same info on u/dilkmud0002's post here: [https://www.reddit.com/r/Superstonk/comments/taoea7/my\_post\_was\_removed\_uploading\_for\_visibility\_im/](https://www.reddit.com/r/Superstonk/comments/taoea7/my_post_was_removed_uploading_for_visibility_im/) but think he might be away from his phone/laptop etc so wanted to post it here to give more visibility
+
+​
+
+https://preview.redd.it/5c9rtl47uim81.png?width=773&format=png&auto=webp&s=b7a696ab56fe7d6492204cdbe5d134d526d7f469
+
+​
+
+dilkmud has been on a goddamn tear today, and putting the feet to the fire of the assholes at Pathlight Capital while digging into their BBBY links (per the RC buy-in)
+
+​
+
+Long story short, might have found something relevant to GME for our story! **Perhaps a previous direct link between GME and Pathlight Capital back in the early 2010s with GME's offshoot Moviestop!**
+
+​
+
+​
+
+https://preview.redd.it/tfyz2rh8uim81.png?width=1871&format=png&auto=webp&s=1e520ff87693e0bfbe752216f294fed8af9b2ab5
+
+Wikipedia: [https://en.wikipedia.org/wiki/MovieStop](https://en.wikipedia.org/wiki/MovieStop)
+
+>**MovieStop** was a retailer of new and used movies and related merchandise. It was founded in 2004 as a division of GameStop.GameStop spun off MovieStop to private owners in 2012.[\[3\]](https://en.wikipedia.org/wiki/MovieStop#cite_note-divest-3) In November 2014 MovieStop was purchased by Draw Another Circle LLC, the parent company of Hastings Entertainment. The company website was folded into GoHastings.com the next year. As of November 2014, MovieStop operated 44 stores in 10 U.S. states. All stores were closed by October 31, 2016 as part of Hasting's liquidation.
+
+I mentioned to dilkmud0002 to check this rabbit hole and hope you all can too!
+
+**Draw Another Circle, LLC's bankruptcy in 2018**
+
+* "Draw Another Circle...and four affiliates have filed chapter 11 petitions before the United States Bankruptcy Court for the District of Delaware: [https://www.abi.org/feed-item/new-delaware-chapter-11-filings-%E2%80%93-draw-another-circle-llc-et-al#:\~:text=Draw%20Another%20Circle%2C%20LLC%20and,Carey](https://www.abi.org/feed-item/new-delaware-chapter-11-filings-%E2%80%93-draw-another-circle-llc-et-al#:~:text=Draw%20Another%20Circle%2C%20LLC%20and,Carey).
+* **Ton of interested parties, including both Pathlight and GameStop maybe?** The list of interested parties TBF is fucking huge: [https://www.govinfo.gov/app/details/USCOURTS-deb-1\_16-bk-11452](https://www.govinfo.gov/app/details/USCOURTS-deb-1_16-bk-11452)
+
+​
+
+​
+
+https://preview.redd.it/r9o1rvy9uim81.png?width=1771&format=png&auto=webp&s=dfc2404a81fd57a1633cd695649cac2eb5dcccd5
+
+* **HOLY SHIT MOTHERFUCKER THERE'S A DIRECT LINK!** I NEED AN ADULT! From the court case (whoops, here's the link apes: [https://www.deb.uscourts.gov/sites/default/files/opinions/judge-kevin-j-carey/draw-another-circle-motion-dismiss-combined.pdf](https://www.deb.uscourts.gov/sites/default/files/opinions/judge-kevin-j-carey/draw-another-circle-motion-dismiss-combined.pdf)):
+
+​
+
+>**"MovieStop was a retailer of new and used movies and related merchandise. MovieStop was founded in 2004 as a division of GameStop, Inc. (“GameStop”), and spun off to private owners in 2012. Following its spin-off from GameStop, MovieStop experienced financial distress and was at risk of having its line of credit cancelled.** Further, the market for DVDs was on the decline, as video-on-demand services became more readily available. **Despite pessimistic projections, Weinshanker aggressively pursued the acquisition of MovieStop....**  
+>  
+>T**he Amended Complaint alleges that the purchase of GameStop’s preferred equity interest was funded through Hastings’ BofA revolver...In connection with the leveraged buyout of Hastings, Pathlight made a second-lien termloan of $15 million (“Pathlight Loan”)....**
+
+​
+
+https://preview.redd.it/5mulpgzauim81.png?width=651&format=png&auto=webp&s=b9d65a7875374384148c644ac03107cbca3f1804
+
+​
+
+>**Hastings was a Texas Corporation founded in 1968, specializing in entertainment products**, including books, movies, software, periodicals, video games, hobby, sports and recreation products, lifestyle products and consumer electronics. Hastings operated through 123 stores in 19 states, as well as online, and employed 3,500 people.  
+>  
+>Hastings’ stock was publicly traded on the NASDAQ stock exchange from its initial public offering in 1998 through July 15, 2014...**Hendrix AcquisitionCorp. (“Hendrix”), a special purpose entity owned and controlled by Weinshanker, purchased all of the outstanding shares of Hastings for $21,406,824.80, or $3.00 per share.The acquisition was funded largely by a $15 million second-lien loan from Pathlight Capital (“Pathlight”).**
+
+​
+
+​
+
+https://preview.redd.it/ppzeydgcuim81.png?width=1711&format=png&auto=webp&s=2a82ec3442d7fa4b8d68951a76c2dc6601dce0d2
+
+Also look at the FTDs, there was some time where it had a big spike then drop off: [https://sec.report/fails.php?tc=HAST](https://sec.report/fails.php?tc=HAST)
+
+Did Hastings have a mini short squeeze!? 650K FTDs in  while trading around $2.50 in March 2009, then April 2010 hits nearly $9?
+
+​
+
+​
+
+https://preview.redd.it/h1qmjynduim81.png?width=855&format=png&auto=webp&s=d6af0000a57faaa0e98dba9f852bd270700b10ee
+
+And also wait what holy shit, if MovieStop was around when Netflix and Blockbuster were at it, then this feels like more credence to the busting out DD...they shat on BB's chest and same for GME's Moviestop (diff metaphor works ofc too)
+
+​
+
+More on the liquidation of Hastings below. So TL;DR seems to be Hastings became Draw Another Circle and that went tits up:
+
+>[https://www.cooley.com/-/media/cooley/pdf/reprints/liquidatorswinch11auctionforassetsofhastingsparent.ashx?la=en&hash=40473A5780A9200CBA5B32DA9BB372F3](https://www.cooley.com/-/media/cooley/pdf/reprints/liquidatorswinch11auctionforassetsofhastingsparent.ashx?la=en&hash=40473A5780A9200CBA5B32DA9BB372F3)  
+>  
+>**The parent company of Hastings Entertainment Inc. told a Delaware bankruptcy judge late Wednesday that a joint venture of liquidators had won an auction for the company’s assets and will seek court approval to begin going-out-of-business sales at 124 store**s...Draw Another Circle owed about $70 million under a secured credit agreement with Bank of America NA at the time of its bankruptcy filing, as well as a $10 million balance on a term loan with **Pathlight Capital LLC**. Another $59 million is owed to unsecured creditors, including landlords and vendor
+
+​
+
+​
+
+https://preview.redd.it/kmqkfla8vim81.png?width=353&format=png&auto=webp&s=992773a3e2891aab2607e9b9ab8ad343b7248830
+
+And **WTF! Staples has a Sycamore Partners link?!?!**
+
+​
+
+https://preview.redd.it/5vi4xkf7vim81.png?width=1351&format=png&auto=webp&s=7f38f80b2f9c138217e8ae8178ac5f4899a2a73d
+
+**The SAME Sycamore Partners that tried to buy GME with Apollo Global (Yahoo! Finance owner) in 2019...**
+
+​
+
+https://preview.redd.it/fuq04cf6vim81.png?width=1053&format=png&auto=webp&s=3fde92ba84d8318a21b783108816c413b45a5d53
+
+**and tried getting at KOHL'S this past month?!?**
+
+​
+
+​
+
+https://preview.redd.it/1oyfv4g5vim81.png?width=1207&format=png&auto=webp&s=dc851b2a9181ee0240e1f6a9d3b4d4ef0e783806
+
+[https://www.retaildive.com/news/staples-inc-parts-with-ceo-as-owner-sycamore-partners-plots-office-depot-t/601980/](https://www.retaildive.com/news/staples-inc-parts-with-ceo-as-owner-sycamore-partners-plots-office-depot-t/601980/)
+
+>**Executive Chairman John Lederer, who is also a senior adviser with Staples' private equity owner Sycamore Partners, will take over as interim CEO following Douglas's departure**
+
+Also, interesting paper on Staples' acquisition, it gets compared to GME, BBBY, Barnes & Nobles and other retailers: [https://research-api.cbs.dk/ws/portalfiles/portal/59757932/589735\_Thesis130918\_4\_.pdf](https://research-api.cbs.dk/ws/portalfiles/portal/59757932/589735_Thesis130918_4_.pdf)
+
+​
+
+https://preview.redd.it/up67ole4vim81.png?width=831&format=png&auto=webp&s=e54d2b5347d2a25846e674912f629dcb906c36e2
+
+And holy shit look at this SYCAMORE PARTNERS timeline from the doc above (I added some relevant shit):
+
+>***2011:*** **Stefan Kaluzny/Peter Morrow found Sycamore,** acquire stake in Talbots/MGF Sourcing  
+>  
+>***2012:*** **founds Pathlight Capital**, ALL of Talbots stake is got  
+>  
+>*2013*: acquires Hot topic  
+>  
+>*2014*: acquires Jones Group (includes Nine West (now bankrupt?) AND Coldwater Creek!  
+>  
+>*2015:* acquires Dollar Tree stores (I seen these stores a lot in my GME strip mall portfolios btw for Big Mall Short!), acquires EMP Merchandising (German metal clothes retailer), spins off Torrid from Hot Topic, acquires Belk, **SELLS PATHLIGHT TO LIGHTYEAR CAPITAL L**LC u/dilkmud0002  
+>  
+>*2017:* Wins bid for The Limited, sells Dollar Express stores to Dollar General (heavily influenced by Ladder Capital LLC, part of the The Intercept "The Bigger Short" article: [https://theintercept.com/2021/04/20/wall-street-cmbs-dollar-general-ladder-capital/](https://theintercept.com/2021/04/20/wall-street-cmbs-dollar-general-ladder-capital/)). **Acquires Staples**  
+>  
+>**2019: tries buying GME with Apollo Global**  
+>  
+>**2022: rumor trying to bid for Kohl's**
+
+EDIT: Also WOW how did this go under the radar so long lol? There is only 1 post on stonk about MovieStop by u/Relatable_Yak who is the definition of early not wrong
+
+​
+
+https://preview.redd.it/dz4eajb3vim81.png?width=769&format=png&auto=webp&s=7fdebcf0362535cfed7850fe4cb6bb16fabee292
+
+Link to their post: [https://www.reddit.com/r/Superstonk/comments/ov16vk/bring\_it\_back/](https://www.reddit.com/r/Superstonk/comments/ov16vk/bring_it_back/)
+
+**TL;DR: GME had a movie division called MovieStop it spun off in 2012. It encountered financial distress and it was acquired by Hastings Entertainment, a retail entertainment company. Then THAT company encountered distress, and was "saved" via a loan by Pathlight Capital after Hastings rebranded as "Draw Another Circle LLC. That then went bankrupt too.**
+
+​
+
+EDIT 2: words, bolding, pics
+
+**EDIT 3: holy shit thank you anonymous benefactors for the awards!** (**hope that means that this post/info is on the right track for us?)** And hope you apes get something out of this and can keep digging further into this rabbit hole!
+
+EDIT 4: since not just on my phone (tee hee) tracking the upvote rate slowly ticking down from 98% to 97 to 95%...could be nothing but will see in a few hrs...maybe shills giving a sign I hope (P.S. Checking this now it's at 90% a few hrs later from when 1st posted but could be many reasons)
+
+EDIT 5: Sorry something is up with the image previews my bad! Ill try fixing it now
+Hi everyone,
+
+I am currently sitting on 12k in savings and can save 1k per month extra with my new job ... but now wondering what would be the best for me to do with these amounts. 
+FYI I already invest around 400 in ETF for early pension, 100 in ETF for my son studies, 200 in private pension fund, 1200 in my mortgage, 100 in crypto.
+
+My plan is to use some of the cash to invest in my house (extend it) or buy an EV within 2 to 3 years. 
+
+My initial idea was to put these 12k in ETF now (lump sum) and invest those 1k in ETF too ... but I am a bit "afraid" of hypothtical market crash within that period.
+
+What would you do in my situation?
+I’ve seen a lot of posts on holding cash until after the election and it seems to be a consistent thread across most subs. Could this be setting up some tailwinds for immediately after the election once the slightest bit of uncertainty is off the table and FOMO takes over?
+
+That said, I’m thinking about selling a few put spreads to ‘hedge’ my conservative positions in case we see money flow back into the market quicker than expected.
+
+Good or bad idea?
+I went to the ER in June, and found out shortly after that the doctor that attended to me was out of network. The office that represents the ER doctor sent me a bill for $1032. I looked at my United Healthcare account and saw that they paid the hospital for all of the ER charges as well as a separate transaction paying the ER doctors office the $1032. I downloaded the receipts and called the office to ask where I could send it too. Emailed a copy over immediately.
+
+2 months later, I get a letter saying it’s my final notice to pay them $1032 by 2/11 or else they’ll turn me over to a collection agency. I’m in the middle of trying to buy a house and can’t take the bogus hit on my credit score (currently a 760). I’m going to call them on Monday prepared to fake cry until they expunge it from my account, but if they keep “forgetting” to remove it from my account, what can I do?
+
+Edit Update: I talked to someone at UHC that was super helpful! She said that they sent the doctors billing office a letter back in June asking for additional details, but hadn’t heard anything. She asked if I’d hold while she called the billing office on the other line. After about 5 minutes she told me she was still on hold but would call me back as soon as she got through to them.
+
+20 minutes later, the UHC lady called me back. She said that when she finally got through and introduced herself as a UHC employee calling on behalf of a patient, they hung up on her. She said she’d try them again later when she had time to make outbound calls.
+
+So it’s not resolved yet, but we’re on the right track! I’m going to call UHC tomorrow to see if they’ll try again.
+I know that courses aren’t really necessary because basically all of the information you really need to succeed is in books and on the internet, but it would be nice to have some guidance from someone that’s experienced. I’ve already obtained a lot of knowledge through reading and researching on my own, but I feel stuck now. I’m thinking a good course could help me learn even more, but I don’t trust a lot of them. 
+
+So yeah.. are there any courses that you’ve taken that you’d recommend?
+For those people wondering how much they should strive towards making without having to live paycheck to paycheck, [the MIT living wage calculator] (http://livingwage.mit.edu) is actually pretty accurate. I field tested it against my own numbers/estimations and came up with pretty similar results. For instance, it lists a livable wage in West Palm Beach Florida to be 11.30 hourly. After deducting taxes and estimated cost of living, I came up with a comfortable $300 a month "discretionary" income in which you could use to pay off debt, save, or any other goals. Check it out and tell me what you fellow "numbers geeks" think!
+
+Edit: added hyperlink
+
+Edit 2: wow this blew up overnight! Welcome to the thread folks! 
+
+Edit 3: I've had some non-US users ask if they did any studies outside the US, which they haven't (at least not that I'm aware of). But you can always run your own numbers. The "simplified" equation is rent + groceries + all other monthly living expenses times 12 = minimum post tax annual salary that you would need to survive. You can then extrapolate from there using your local tax laws to figure out the equivalent hourly wage. 
+Summary: 
+
+- Oct-Dec annualised GDP shrinks 6.3% vs f’cast -3.7%
+
+- Private consumption down 2.9% vs f’cast -2.0%
+
+- External demand adds 0.5 pct point to growth
+
+- Domestic demand knocks 2.1 points off growth
+
+- Some analysts warn Japan may slide into recession
+
+Link : https://www.reuters.com/article/japan-economy-gdp/update-1-japans-economy-shrinks-at-fastest-pace-in-6-years-virus-clouds-outlook-idUSL4N2AE05X
+I'll just keep it short and get straight to the point.
+
+**1) During FTMO challenge, you need to make 10% profit in under 30 calendar days.**
+
+Anyone who has been trading forex for a while knows that 10% profit in a month is actually not that easy unless you get lucky /have a really good month or take a lot higher risk percentage than you should.
+
+When  I did finish my ftmo challenge on my main account, it took me 20 out of 22 total trading days in that month and I still count myself as lucky to even be able to achieve it.  If my trading system was off even by a little bit and end up taking a few losses for just two more days, then I would never have finished my challenge.
+
+So, remember this. If you're making 10% of your account in one or two trading days then either you're really lucky or you are taking huge risks . The latter is the most likely guess.  It will bite you one day in the future because , well, you will be coming across days where anything you touch will end up being a loss for you. Any trader who traded for an year or so in forex at minimum knows that bad days are just inevitable at one point and is part of the job.
+
+**2) I have come across Youtube videos and posts where some Ftmo traders who finished the challenge propose some wacky risk management techniques and tricks just to finish the challenge.**
+
+My opinion? Some of them do work and you can get away with it.  But here's the thing.
+
+\-You can get away this month, finish challenge and verification.
+
+\-Maybe get away next month too and make 10% or so that month.
+
+But how long is it really sustainable? All it takes is just one or few bad days in a row for you to breach either the daily loss or the max loss.  Your ftmo account will be closed and you'll be back at square one.  All of this ends up as something you did to make a few bucks .
+
+**Final thoughts:**  I'm happy that a lot of people are passing the evaluation and getting funded by ftmo.   It's not easy, I know. Just pay very close attention to your risk management and make sure you don't ruin everything you worked for during a few inevitable bad days.
+In a recent Yahoo!Finance interview, Warren Buffett said that 99% of investors should not even attempt to beat the market. He said they would be much better off investing in a low-cost S&P 500 index fund. Is this good advice? My view is that his message is right, but he overstates his case.
+
+Here are a couple of Buffett pearls of wisdom from the interview:
+
+Basically any attempts to pick the times to buy or sell, I think, are a mistake for 99% of the population. And I think that even attempts to pick individual securities is a mistake for people.”
+
+They don’t need to do anything but (invest in a low-cost S&P 500 index fund). Then they’ll get a decent result over time. To some extent, the smarter you try to be, the worse you do in investments. Now, there’s a few professional investors that will do better than the S&P over time. But the average individual isn’t going to be able to find them. And they don’t need them. That’s the beauty of it.”
+
+Buffett’s real message to investors
+
+What Mr. Buffett is really saying to investors is important: beating the market is very hard to do with any consistency. But it’s far from impossible. In his view, only 1% of investors have what it takes to pull it off. He bases this on the fact that most investors lack the time, commitment, knowledge, and discipline to succeed at active investing.
+
+And he’s right about that. Even those investors who diligently study the market and do hours of research before making any decisions, are prone to some hard-wired human biases that are extremely difficult to overcome.
+
+Some examples of these hard-wired biases are…
+• Confirmation bias
+• Myopic loss aversion
+• The sunk cost fallacy
+• The endowment effect
+• Availability bias
+
+Read more here: https://seekingalpha.com/amp/article/4070923-warren-buffett-says-99-percent-investors-even-try-beat-market
+Now this is a story all about how my life got flipped-turned upside down and I'd like to take a minute, just sit right there - I'll tell you how I got screwed by Humana Healthcare.
+
+My wife and I have been a Humana customer for years on a high deductible plan self-insured and we had our first baby born earlier this year in February.
+
+For years we paid all of our medical expenses out of pocket because of the high deductible plan (which is fine - we preferred that over paying the higher monthly premiums because my wife and I are in good health overall).
+
+The day our baby was born I called Humana to add our child to our policy. This is where our relationship with Humana went south.
+
+We had no special medical issues with our kid or my wife and went home within a couple of days. About a month and a half later, at a visit at a dentist, I’m trying to find our dental policy number by logging in to Humana’s website.
+
+We have both medical and dental plans with them.
+
+It’s important to note at this point we are a highly digital family and we make sure to use and set email and phone notifications for anything we can. This is why we had opened the online account with Humana so we could easily pay online, get status updates, track expenses and payments, etc.
+
+While logging into the website I saw a notice in one of the internal pages that the policy has been terminated. I figured ‘that’s odd’. I’m clicking through the Medical plan area and the same notice appears there. 
+
+I promptly call customer service and ask why has our policies been terminated. To make a long story short - apparently when they added my kid to the policy, they also marked the policy to be terminated by customer request - WTH.
+
+The rep told me he’ll get back to me and indeed he did after an hour or so and confirmed that this was a mistake and he submitted my policies to be re-instated and it would take a few days but it would be retroactive to the missing period.
+
+I figured - ‘well, s*** happens, but they made it right so ok’. He told me I had to re-add my payment account online (we used our credit card) because once the policy was terminated it also stopped any billpay.
+
+The policy was reinstated a few days later, I went online and added our credit card again, they billed it for the missing period and everything was fine and back to normal.
+
+As the months went by we continued using different healthcare providers for our baby and my wife (standard treatment stuff - vaccinations, wellness exams, etc) and the providers sent the bill to Humana claims as normal and whatever bills we had to pay during the deductible amounts came home and everything was fine.
+
+Fast forward to the last week of June I can two letters in the mail from Humana.
+
+One of them with brand new cards dated June 10 and another letter with an invoice dated June 16 with Payment Due July 1 showing $1953.51 due.
+
+I figured that’s odd. Looking at the invoice, it looks like we had 2 billing periods due + the upcoming one for July.
+
+I logged in online to see what’s going on, and I saw indeed there is a balance due of $1,953.51 as well. I’m looking at the payment accounts and the credit card is nowhere to be found - only an option to add a bank account.
+
+I then go to the deductibles/claims area and I see it’s showing a 0/$6,500 for my wife - also thought that was off since of course the bills from the birth were well over the deductible amount.
+
+I call Humana to inquire about the deductible issue and the due payments.
+
+I explain the situation and saying I got an invoice today with so and so to pay and I logged in, didn’t see our credit card, had the issue with the deductibles not showing, etc - in short, explained I want to pay it and make sure all our deductibles are in place.
+
+It’s important to mention here - at no point in time in our life did Humana pay out anything for us because we’ve never hit our deductible and we didn’t have any special events at this point in time besides our child’s healthcare needs which, have their own $6500 deductible that started from scratch when he was born.
+
+The lady on the phone proceeds to tell me that she sees our coverage has been terminated since APRIL 30 2016 because of no payment.
+
+She continued to tell me that Humana sent out a letter in March saying they no longer accept credit card payments.
+
+Of course - no registered mail or any proof on their end that a letter was sent or received. Apparently that’s good enough when you cancel somebody’s payment method for their primary health care policy.
+
+I told her not only I never received such letter, I continued to receive regular mail for statements from Humana every month including this most recent letter that I’m staring at dated June 16 2016 with a due date of July 1 AND I have BRAND NEW CARDS PRINTED JUNE 10 2016.
+
+I didn’t yell - I know the difference between a customer service rep and the monster machine that created this scenario.
+
+She told me that there’s nothing she can do on her end but she can transfer me to the claims department that have more power on stuff they can submit.
+
+While waiting for a new rep to come on the line, I checked my email to see if I received any emails about the payment account issue just to make sure and sure enough - I didn’t.
+
+The new customer service rep comes up, I explain the history and she proceeds to check the account.
+
+At this point at least she did confirm that our deductible had hit its max amount and the claims are counted at over $7,000 for my wife. I figured at least when we figure this out we finally won’t have to pay for stuff to her this year and finally enjoy the benefits of having health insurance - yay.
+
+She says that the policy was terminated because no payments were received and it was cancelled to reflect the last date they got paid for (basically for April - back in March, when they cancelled our insurance and I had to re-setup our payment account with a credit card and pay it).
+
+I explain this entire story again and she says the only thing she can do is file an appeal on the phone. We start doing that - had to explain the chain of events from scratch while she is typing the appeal.
+
+We finish, she submits the appeal, gives me a reference number and tells me I’ll be contacted within 5 business days. This was just before July 4th so I figured it might take longer.
+
+A week later (July 7) I get a piece in the mail from Humana dated June 17th as evidence of termination (how convenient that it’s dated a day after the last mail I got dated that says I owe them money to be paid in July).
+
+I call today (July 12th) to check what’s going on and the customer service rep tells me there was a decision made on the account on June 29th (!!!!) and they decided not to reinstate my account.
+
+Mind you - we’ve been a paying customer for years, never once had them actually pay anything because we never hit our deductible and my entire request was just to pay them because of their issue of not telling me about the credit card payment method issue so my family can be insured again.
+
+Interestingly enough, the first time in the business relationship with Humana that they’re actually poised to pay anything, we get our policy cancelled and not willing to re-instate although I have plenty of hard paper evidence of continuous communication from them that does not suggest in any way our account is not in good standing or that our account was terminated.
+
+I ask the service rep what recourse do I have - she says ‘at this point if I re-submit another appeal they will just deny it’. 
+
+I continue to ask her if I can apply for coverage with another healthcare provider and she says only if I had a qualifying life event in the past 60 days otherwise I have to wait until the next enrollment period at end of year.
+
+So this is where I’m at. Out of coverage and lost all of our deductibles for this year for the first time ever we used them in full.
+
+What would you do? Who would you complain to?
+
+How is it possible that a healthcare company can send you policy terminating communications without any method of delivery confirmation for proof?
+
+Did this happen to anyone else?
+u/gamestop \#GME
+
+​
+
+Morning Silverbacks, Gorillas, Spider Monkeys, Lurkers, and all Apes!
+
+I'm a lifelong customer of Gamestop.   During my daily morning perusal of new shit to buy...I found some interesting info.  (Proof I buy way too much shit at Gamestop below.)
+
+​
+
+https://preview.redd.it/2ofmpnim1rr61.png?width=480&format=png&auto=webp&s=b529e36817463e4b1717086efb19369efbd027ad
+
+​
+
+Gamestop is now carrying 5 new HUGE product lines.  The best part?  There are people that have reviews on them already.  What does this mean?  People have already bought and reviewed them AT Gamestop!  NEW PRODUCTS AND NEW SALES FOR THIS QUARTER!!!!!!
+
+Arcade1up Machines
+
+​
+
+https://preview.redd.it/xx4f4o4u0rr61.png?width=1253&format=png&auto=webp&s=22682e54730053f48a98c9d92309f19ee04ac7b2
+
+Nanoleaf Lighting for gamer rooms (the cool lighting setups you see during #Twitch streams!)
+
+​
+
+https://preview.redd.it/upkrvsmp0rr61.png?width=1189&format=png&auto=webp&s=b8d65632af4c0e14d52e06d2345145bfa59b0fbb
+
+PNY Graphics Cards AND Memory!
+
+​
+
+https://preview.redd.it/sx3a20zr0rr61.png?width=1205&format=png&auto=webp&s=a2cceba1fc08790f94a489b32082ab6ef6de9344
+
+Swagtron Electric Scooters & Hoverboards
+
+​
+
+​
+
+https://preview.redd.it/n7xtpvx01rr61.png?width=1234&format=png&auto=webp&s=11ddc6acdc644e63413249dec972e312a19d19d0
+
+AK Racing Gaming Chairs!
+
+​
+
+​
+
+https://preview.redd.it/2d97i4uj0rr61.png?width=1171&format=png&auto=webp&s=75b43ef55e2fe865f4cf6f834e52bbe510aeeeb1
+
+Remember how the Chief Merchandising Officer was being ousted?  It seems they are forming relations with many new vendors.  These are huge deals.  Why?  Best Buy and Amazon are competitors for these products.  If you can buy anything a gamer wants at a Gamestop, why would you want to use the other guys anymore?
+
+The entire brand is changing.
+
+I like the stock.  To the MOON!!!!!!
+
+​
+
+**EDIT 1:  Gamestop liked this tweet!!!!!**
+
+​
+
+https://preview.redd.it/q6suqxwbprr61.png?width=734&format=png&auto=webp&s=2211ea275a4aa550bd3ade78d9ecb9f6fa3f6094
+
+**EDIT 2:**
+
+Anybody like PC Monitors, routers, and high end ASUS equipment?  Gamestop has that now too.  They haven't promoted this yet....but guys, this is it.  They're going all-in on PC gaming...and yes, there are already reviews and people are actually buying these products AT GAMESTOP!!!! The next quarter results should be astronomically better than last quarter!
+
+​
+
+https://preview.redd.it/iz6751jgsrr61.png?width=927&format=png&auto=webp&s=e9e4fdb14cbe9bb8f868a0d98571c83e89ae7eca
+
+​
+
+**EDIT 3:  Some APE and I were joking about "When are they going to start selling EVGA?!** 
+
+Well....fuck me, they already did!!!!!!!  No reviews yet.  This must be brand new....and the best part of all:  POWER SUPPLIES AND FUCKING COOLERS!!!! FULL PC BUILD CAPABILITY!  
+
+
+GME TO THE MOON!!!!!!
+
+​
+
+https://preview.redd.it/4d6pm7jxyrr61.png?width=887&format=png&auto=webp&s=ef7b22a35f2ad72ad3c235275faa795146721680
+I filed for bankruptcy on Friday.  I guess [I'm near the start of the wave.](https://www.bnnbloomberg.ca/debt-professionals-brace-for-wave-of-insolvencies-as-virus-outbreak-hits-1.1408487)
+
+I made a lot of stupid mistakes with my finances.  I never learned how to budget, it wasn't something my family did.
+
+I went from earning $30k/year to $62.5k/year (plus bonuses) in 7 years.  What's a guy who makes over $60k a year doing subscribed to r/povertyfinance ?
+
+During the same time period my credit card limits increased a lot (Edit: Limits totaled up to over $35,000).  My line of credit went from $5000, to $10,000 to $20,000 to $30,000.   I spent money faster than it was coming in, and I didn't care because the next pay, or the tax return, or some imaginary future money was going to take care of the problem for me.  My increased income kept pace with my increased debts and the monthly interest payments.  In reality I had very little money, and always felt financially squeezed.
+
+I bought people Christmas gifts without concern about budget.  Why try to come up with a special thoughtful reasonably priced gift when you can just spend more money?  [I guess I went with the Michael Scott philosophy.](https://youtu.be/Z_EJY-qHjpM)
+
+I ordered from Skip The Dishes and Doordash constantly.  I never tried to save money on groceries.  I bought whatever new electronics I wanted.  I got a bad deal on a car loan because my credit score was crap (utilization ratio was too high).
+
+I made some pretty weak attempts at paying off my debts.  Shifted things around to a 0% introductory offer on a credit card.  Tried the debt payment snowball method.  Tried to get a debt consolidation loan from my largest creditor.  Put half my tax refund dollars into lump sum debt payments.
+
+But I was an idiot and spent it all again anyway.
+
+And a couple years ago my income dropped by about $10,000 a year.  And the bonuses stopped.
+
+All of a sudden on average I was making $833 less per month in salary, and I lost about $3000 per quarter in after tax bonuses.
+
+That's a lot of money when you're paying over $1000 a month in just debt service.
+
+My temporary layoff from work wasn't the straw that broke the camel's back.  It was more like adding a lot of fuel to something that's already burning out of control.
+
+I figured bankruptcy was coming for a while.  And Corona just sped up the process.
+
+I know I'm going to catch a lot of downvotes and hate for this.  I know a lot of people will shame me for not taking responsibility for repaying my debts.
+
+But it was starting to have an effect on my health.  I wasn't sleeping because I was worried about money.  I filled up my voicemail on purpose so I couldn't get any more voicemails from debt collectors.
+
+I screwed up.
+
+Now that the paperwork is filed I honestly feel a lot better.  I get a second chance.
+
+And the more I read about it why is it possible for the executives of Sears, and Toys R Us, and Remington and, Bear Stearns to make millions while their companies go bankrupt?  Why do rich business owners treat bankruptcy like a tool, where they'll go bankrupt multiple times before hitting a good idea.  Trump filed for corporate insolvency 4 times, and was still considered to be successful (I'm not here to argue about US politics, I'm Canadian and I don't care).
+
+[This video](https://youtu.be/Z-bGWIumK4o) came up in my YouTube suggested videos.  I guess my google searches for bankruptcy and financial advice bled into the YouTube algorithm.  This also made me feel better about my choice.
+
+So in the space of a day I went from feeling low, and feeling uncertain and nervous and scared to feeling refreshed.  I feel like I'm looking at a new blank piece of paper.
+
+I won't make the same mistakes again. I'm using YNAB to track everything.  No more credit cards.  No more loans.  Cash, or I can't have it.  So - any tips from the redditors of r/povertyfinance on living within your means?
+
+If you got this far, thanks for letting me vent.  
+
+
+Edit: I was writing a response to a downvoted comment that now appears to be deleted, so I'll put my response here:  
+
+
+"I get your anger.  I was of the same opinion for a long time, which is why I didn't like myself for a long time.  I was outwardly successful, an organized leader, someone people came to for advice, someone people wanted to work with.
+
+But on the inside I was a guy who had been making poor financial and life decisions for a long time.  On the inside I wasn't the same person I appeared to be on the outside.
+
+I don't feel good about making bad choices.  But I am appreciative that there is a legal way out of it.
+
+Have you ever dried to dig a hole in dry sand?  After every shovelful taken out more sand slides into the hole you left behind.  Pick up extra shifts?  Car needs $1200 in repairs.  Have a good month and make a little extra money?  Need new shoes for work because the last pair have holes in them now.
+
+Yes - completely my fault.  I should have known better.  But I didn't.
+
+I know better now, and will never be in the same situation again."  
+
+For a long time, I've identified as a left-leaning moderate. But I've exclusively tackled social issues and  strayed away from forming opinions on economic issues. Frankly, I've just found it hard to establish any positions because I feel out of my depth. Now, I don't believe you have to be a genius to understand economics or form intelligent opinions concerning it, but I have reservations about establishing any sort of confident/solid opinions for the following reasons:
+
+-I feel like I'd struggle to combat my bias towards left-leaning positions. And I'd fall prey to other heuristics (i.e. confirmation bias).
+
+-I'm afraid of misinterpreting economic data. 
+
+-Often, economists offer conflicting arguments and data. If the experts disagree on x economic issue, then how can I, a layman, form a confident opinion? 
+
+-I'm not sure how to effectively criticize/support economic arguments because they're supported by studies I don't understand how to critique. And while I understand that economists provide critiques of studies all the time, I find that I can't confirm if those criticisms are valid or not (once again, because I lack sufficient knowledge).
+
+So many people are often wrong about basic economic facts and completely out of their depth. Oftentimes, people make incorrect assumptions and misinterpret data. 
+
+Recently, I've been employing a lot more critical thinking when it comes to evaluating economic opinions, but it always leaves me with far more questions than answers. And because of that, I never form solid opinions.
+
+What advice can you guys offer? Am I overthinking this to an extent? Are my concerns legitimate? And do most layman have dogshit, ill-informed opinions on economic issues?
+
+Thank you.
+
+P.S. I don't believe experts aren't subject to the same biases and heuristics I am. They're capable of making the mistakes I listed, but for obvious reasons, they're arguments hold more weight to me than your average joe's opinion.
+Hi AE,
+
+I've never posted here before.  I read this article today and thought you'd be the best people to ask about whether or not this is a good idea and why?
+
+http://www.businessinsider.com/trump-reportedly-considering-5-tariff-on-imports-2016-12
+
+I'm really curious about what this would mean for the US economy.  It seems to me like, with my basic understanding, that an action like this - though the desired outcome might be for companies to stop producing outside of the US and produce inside the US to avoid the tariffs - would just end up passing the cost on to the end consumer rather than actually resulting in more US jobs.
+What do you think of following strategy on aapl:
+1- buy Jan 2023 call for $4980 at $80 strike
+1- start selling monthly covered calls on 100 shares of Apple that I already own at 40 delta.
+
+This will give me more premium and I will also not miss the upside of stock in case aapl shoots up. In case I get assigned, start wheeling. 
+
+BTW - I am bullish on aapl and expecting it to rise significantly.
+
+Thanks for your suggestions and input.
+Don't buy! Be wary of Chinese stocks trading on American exchanges with low market cap this morning. If you are being told by some stranger online to buy , wake up! It's a scam. If you bought, sell it immediately before it collapses.
+
+A couple of months ago I posted about a pump and dump orchestrated by a scammer group that targets people through social media (mainly Canadians). This is happening again this morning.I'm posting here in the hopes that this post will show up whenever someone searches $TIRX online, as there isn't much information about it out there.
+
+There were a lot of victims last time this happened. As a reminder, check in with your parents and people care about and make sure their financials are secured.
+
+You can look at my previous post or message me for information about how the scam is conducted.[https://www.reddit.com/r/CanadianInvestor/comments/lamhfh/psa\_incoming\_pump\_and\_dump\_targeting\_canadians/?sort=new](https://www.reddit.com/r/CanadianInvestor/comments/lamhfh/psa_incoming_pump_and_dump_targeting_canadians/?sort=new)
+
+EDIT: For anyone wondering about this stock after April 12th, the scammers don't seem to be involved anymore. They are not asking victims to buy this anymore. This doesn't mean the stock is safe from volatility as the full effects of the dump take several days to realize.
+The South Korean tech giant predicted operating profit for the three months ended December was approximately 10.8 trillion Korean won ($9.67 billion), which was below the 13.2 trillion won that analysts predicted, and a 38.5 percent drop from the previous quarter. (CNBC)
+
+Looks like AAPL is not the only one who’s struggling.
+
+[https://www.cnbc.com/2019/01/08/samsung-q4-guidance-.html](https://www.cnbc.com/2019/01/08/samsung-q4-guidance-.html) 
+So this is my situation, I started to look at money in a different way, no  waste, just return, I see my friends going to the sea, I can't because don't see a gain, they go to the disco, I can't because of the same motivation, I almost booked a flight for a city, than I decided that was a waste of money right now because of the Corona virus and my money wouldn't been invested in the best way. I ask myself, an I obsessed with finance and savings? Is it too much for me? Sometimes I feel depressed because I'm at home while the others are partying and having fun.
+I recently graduated from college and I’m looking to pay off my student loans. Do I pay off the student loans that accrue the most interest or do I pay off the smaller loans and work my way up to the bigger ones?
+At 38, I am basically starting fresh(under 10k in retirement savings) but have found myself in a position to aggressively catch up. I have just made a 6 month emergency fund, paid off my outstanding debts, raised my credit score in to the mid 700s, and have reduced my living expenses to roughly 25% of my take home(including entertainment etc).
+
+Currently, I'm on track to max my 401k and my IRA while still having roughly 20k left over(potentially 35-40 next year because my emergency account is already funded). Where should I be putting this additional money to help myself catch up?
+Ken Griffin who lied to congress under oath about Citadel having contact with Robinhood before the buy button was turned off during the sneeze of January 2021 was on CNBC today giving his musings on inflation and the Federal Reserve approach to interest rate hiking. He also mentioned the scenario where he could be asked to be the secretary of treasury. But all of this is a distraction to to divert attention away from the story told on the Netflix documentary called Eat the Rich: The GameStop Saga where it was shown that Ken Griffin lied under oath at the 2021 GameStop congressional hearings and does not have a true separation between Citadel the market maker and Citadel the hedge fund.  This media appearance is more for search engine optimization than any other reason that would suggest that Kenneth Cordelle Griffin’s thoughts on the Fed and inflation are relevant today, September 28, 2022.
+I'll be as short as possible but i'm hoping this could help others save money and catch their insurance out
+
+My insurer is Hastings
+
+* Have old 1990s car, bought v recently, extremely low mileage and mint condition - worth 3k
+* Get into crash 3 months later and is written off by insurer - mostly based on age
+* Insurer offers £300, then eventually £700 then finally £1500
+* Sent complaint about numerous things - experience on calls with them, engineer who did valuation was a complete dick etc. I provide links to similar cars selling for more, with more mileage etc. They refuse to budge from 1500 and say its Financial Ombudsman (FOS) or accept our shitty offer.
+* Complaint refused and final offer sent in post
+* I ask about possibility of buying it back to repair myself (1500 minus excess is pointless)
+* **Asked for the engineers report from their salvage company (Co part)**
+* Claim handler sends it over, **with the engineers valuation redacted**
+* Idiots used PDF software to redact, so i just open it up in a PDF programme (not just your browser) and remove the redactions
+* Lo and behold, the engineer valued it at **£2500**, which is the price i said i was willing to settle on
+* I point this out to my claim handler (i also find their CEO and other senior team email addresses via LinkedIn and hunter . io) , say looks like i've caught you trying to scam me here so i'll give you one chance to resolve this
+* Claim handler doubles down and his argument is basically
+   * No valuation sources in the usual three databases (GLASS's and 2 others)
+   * Therefore they are using their engineers instead
+   * The links i had sent over they are choosing to ignore
+   * They also ignore their salvage companies valuation
+* I point out that choosing to wilfully ignore their trusted partner's evaluation is ridiculous and i look forward to FOS's judgement plus compensation. Tell the handler to stop digging, go speak to his manager and get someone to call me in the morning
+* Next morning i get a call from senior manager, who apologies profusely, offers full £2500 plus compensation for pissing me around
+
+​
+
+So i hope others can benefit from this, if you have had a historic claim or a future one, always ask for their engineers report or salvage companies report. If it has big redactions on it - as pictured below - you can probably remove them using a free PDF programme (i used fox it) and then call them out for bullshitting you.
+
+[https://imgur.com/a/0SdunJ2](https://imgur.com/a/0SdunJ2)
+
+​
+
+Edit: I have reported them anyway to the ombudsman
+I live in an apartment building and my neighbor knocked on my door today and handed me my W2 form from work, but it was already opened. He said it accidentally came to his mailbox instead. Normally I wouldn't care, but this guy has spent 20+ years of his life in jail for all sorts of things (including fraud) and I can't be too cautious. My W2 has my social security number on there which is why I am really worried. Should I put a freeze on my credit? Or just monitor it daily? Or are there any other steps I can take?
+I compared three Nifty 50 Index funds on Zerodha Coin. There are differences in the CAGR. These are underlined in the image below:
+
+[Fund Comparison: UTI vs. Navi vs. Tata (imgur link)](https://imgur.com/a/MGAAaKD)
+
+What causes this difference in the CAGRs? Is it tracking errors?
+
+As a follow up, which Nifty 50 index fund is the best?
+Quick background on our situation:  We're both 32, worth ~$6.5-7m.  I'm in tech, my fiance is in finance.  I was an exec at a tech company that recently IPO'd, and I've since stepped away.  My fiance makes ~$300k / yr, loves her job, and no plans to stop working anytime soon.  No kids yet, but the plan is to have 2.  We're in a MCOL city.
+
+Both my fiance and I grew up very middle class, so I don't feel like our taste is out of control, but we certainly like to travel, eat out, etc.  If we could continue to go to a restaurant and not be concerned with prices, or travel to a place we saw a picture of once without budgeting for a month, I think we'd be happy.
+
+My question is, how do you know if FIRE is right for you?  I've been "unemployed" for a few months now, and I have absolutely no desire to go back to work yet.  I know $7m isn't quite enough to "live the good life" forever, but it feels like I can coast for a while.
+
+What do you tell people when they ask what you do for a living?  Are you concerned if you do step away for a while, its hard to find a job that pays what you're used to?  What do you do all day if no one your age is "retired / unemployed / just not working", esp. your spouse?
+
+Really appreciate any thoughts or experiences.
+Goldman Sachs must have lost alot in the GME squeeze because they told CNBC the market is now a "greed hive" with "engineered short squeezes". 
+
+They didnt mention WSB or GME directly but it's very easy to read between the lines. They mentioned "illiquid stocks, traded on margin" and "speculative Options" as if these are actual concerns and as if they haven't been doing this same shit for the last 50 years.
+
+Keep in mind these are the pricks who sold CDOs and helped engineer the 2008 crash.
+
+TLDR: Institutions are starting to get scared and the slander is begining.
+
+
+The stock market is at or near the most-expensive levels ever by most measures
+
+https://www.cnbc.com/2021/01/23/the-stock-market-is-at-or-near-the-most-expensive-levels-ever-by-most-measures-when-will-it-matter.html?__source=androidappshare
+As a newbie investor and trader I've been googling all these stock gurus and most of them are pretty shady. I was checking a twitter account called fake Guru or something, and there was a video of a stock guru showing off his new Mercedes, then he said off camera "Mom.. where is dad's car keys?" LoL
+
+Anyway, googling these stock "gurus" brings me to reddit 97.4% of the time. And everybody says "if you're a millionaire, why bother with these youtube videos?"
+
+~~If that's the case, if Warren Buffet is a billionaire, why does he write books to teach the masses? Is he also a scam? Obviously not. So what's the problem with making youtube videos if you're a successful trader? ~~
+
+Edit: just found out that apparently warren buffett never wrote a book.
+
+P.S. I agree that most of these guys are scams. It's just that argument that confuses me.
+https://i.ibb.co/8XqfrZG/18-D4-F52-E-4-AA9-4-A36-BED3-6-A807-AC560-D5.png
+
+https://etherscan.io/tx/0x57c32ad117f4e47b439cb13a9a5cb6495a4f94c0f3d6afccc45813e00b1554a3
+
+For the first time since the original IMX token transfer for the Gamestop NFT marketplace on February 1, the Immutable X wallet has just transferred IMX tokens to its funding wallet. 
+
+1,264,715,999 IMX transferred 
+
+This is far more than needed for the contract of 3,747,323 agreed upon for launch. So this isn't the launch transfer to Gamestop. 
+
+But this is huge as the wallet has only transferred IMX when sending to Gamestop. 
+
+This could be it! We're close!!!! Get jacked!
+Hello everyone,
+
+I for some reason agreed to sit my ass down in front of the SEC building so I could livestream that sweet sweet brownstone for you.
+
+I’m going to be streaming sometime between 1:00pm and 2:00pm to try and capture Kenny with his hand in the Mayo jar. I will be streaming from [The Average Broz YouTube channel.](https://youtube.com/channel/UC1qIk5x9YiS-DI6rP6Ef6Tg). 
+
+Tbh I don’t expect to get anything, an as others have pointed out, it’s really not that unusual of a meeting.
+
+If you haven’t already, check out the new DD on the filing GameStop did this morning! Don’t forget to DRS your shares, and call your mother, she misses you.
+
+Edit: Timezone EST or GMT-05:00
+
+Final update: Didn’t see anything, shot some A+ b-roll tho. Met another ape who brought bananas.
+I was looking for a good financial podcast to listen to on my way to work but I couldn’t seem to find what I was looking for.  I don’t dislike Dave Ramsey (despite thinking he is wrong on a few issues) but I’d rather not listen to someone who intertwines their religious views in their podcast. 
+
+————————————————————————
+
+Update: It’s not that I’m “offended” or put off by his religious views, but I was just wondering if there are different shows that may cover similar material and not incorporate religion in their show.  
+
+And to those of you who are sending me private messages:  I’m not saying you are “dumb” if you listen to Dave Ramsey nor am I saying he shouldn’t mention religion; it is just a preference of mine to not have that in a podcast about finance. 
+
+Thank you so much for all of your wonderful answers and the gold!! I now have enough material to get me through a life time :)
+As title says I'm looking for some kind of European Union ETF. I have searched for it but no luck so far, I find ETFs tracking Europe that have upwards of 20% exposure to the UK and I'm looking to avoid that at all costs as I don't really believe they are heading in the right direction.
+I'm an idiot.
+
+I've only just gotten into finance in the past year. And now planning to move money from RRSP from my financial planner to a new brokerage. But now I realize the money she put into mutual funds for my RRSP were using DSC (Deferred Sales Charge). So she got a big commission and when I want to leave I have to pay for it.
+
+So for around $100,000 of mutual funds invested, the brokerage got 5% ($5000), and now for me to take this out I have to pay 6% ($6000). WTF?!
+
+Each year the penalty goes down. So I'm trapped to stay with these thieves.
+
+If this was explained to me from the get go no way would I agree to this! Plus now that I learn more I see the MER fees are ridiculous.
+
+This is what happens when you don't understand things and just trust a "financial advisor".
+
+I went to a financial planner was because I didn't understand how to invest money, and they just fleeced me. Never trusting these people again.
+
+Any advice on whether there are ways to get out of these fees? I'm in Ontario, so from what I read these financial planner thieves can do this without repercussions.
+I always wanted to be a trader. When I turned 18, the first thing I did was open a brokerage account and deposited $200 I had saved up from my allowance money.
+
+I was investing in stocks, doing fundamental analysis, reading income statements and balance sheets, but a few months went by, and I realized you actually need a lot of money to make decent money with stocks. Naturally, I was losing motivation.
+
+But then, I found options. And it has been a wild ride…
+
+I remember my first trade: XOM weeklies. I watched them go to 0.
+
+After that, I figured out it was easier paying for a signals service. They were day traders and traded weeklies.
+
+I was naive and a (very) dumb teenager who wanted to get rich quick, I had no idea of what risk management meant and a total disregard for it. A recipe for disaster.
+
+I ended up losing $9,000 in a day. It was all I had. I was shaking. I remember going to Wendy’s and buying a Nutella Frosty and crying in the parking lot.
+
+After that, a few months went by, and I came back with $2,000. I was determined to master options, studying heavily, and I ended up learning about spreads.
+
+With my newly found knowledge about spreads, I doubled my account 2 months in a row, I was so happy. I was sure I was going to be rich.
+
+Looking back, that was a really nice period in my life, I went to the jewelry store, bought myself some gold jewelry, and I was listening to “I love the Dough” by Biggie and Jay-Z all the time.
+
+Although I had found short term success, I still had not learned risk management.
+
+So, what do you think happened next? I lost all the profits I had made in just a single trade. It was AAPL earnings, I was so nervous I couldn’t sleep.
+
+So after that I quit trading for a few months.
+
+My freelancing business took off, and I was making more money than ever, but I wasn’t happy. I needed the thrill of trading options, so I went back.
+
+I tried a few things: day trading, spreads, swing trading, alert services, technical analysis, The Strat…
+
+I made a lot of money and lost a lot of money, and I can assure you: Every strategy, every type of analysis, trading style, everything there is, I’ve tried it.
+
+Nothing worked for me until I found my current system…
+
+And I was able to turn $10,437 into $111,669 in 13 months.
+
+**The System**
+
+I’m going to start with risk management because it’s the single most important thing in any system.
+
+**Position sizing and stop loss:**
+
+My size is around 9% of my account per trade. And I use a 25% stop loss.
+
+This way, I’m only risking around 2% of my account per trade.
+
+https://preview.redd.it/4grwmddsuiy91.png?width=647&format=png&auto=webp&s=b49c6f6c200a3eb17134bdbc5d0475d8ae3fdc0d
+
+**Profit taking**
+
+I always take profits at 30%. Base hits add up.
+
+Notes:
+
+You will not be able to size exactly 9%, we’re talking about averages here. maybe you will lose or make more money than planned in some trades, but those % of your account are the averages you should be aiming for.
+
+**Additional risk management rules:**
+
+​
+
+1. Don’t have 2 trades in the same sector. Sectors tend to move together. If you have calls on an airline stock, don’t buy calls on another airline stock, because they move together.  
+ 
+2. Try to have a balance between long and short positions, so if something happens overnight, you’re not overly exposed to just one side.  
+ 
+3. Zero emotions. Trade like a machine. Just execute the system. Money will come.  
+ 
+
+**Trade Frequency**
+
+I try to make 3 trades per week, so 12 trades a month in total. (Sometimes there’s opportunity for more trades). But I try not to over-trade.
+
+Let’s run the numbers:
+
+My average win rate is 75%.
+
+So on average, I win 9 out of 12 trades.
+
+$877.50 on a $5,000 account is 17.5%.
+
+I averaged a bit more over the last year, around 20%.
+
+Your numbers will also probably look a bit different, but just to give you an idea:
+
+If you start with $5,000 and average 17.50% every month for a year, you will end up with $34,627.76.
+
+The key to compound the gains is to always think in percentages, and of course, sticking to the system rules.
+
+Again, you can do better, or you can do worse. This is just to give you an idea. Now let’s talk about how I find trades.
+
+**Finding trades**
+
+What I do is I follow smart money. In order to understand how the market works, you need to understand who the key market players are, because they are the ones who can move markets.
+
+# Smart Money — Hedge funds, institutional banks, proprietary trading firms, billionaires.
+
+​
+
+* They accumulate and distribute large quantities of stock.
+* They determine the market sentiment.
+
+# Institutions, High Frequency Trading Algorithms.
+
+​
+
+* They follow Smart Money’s large orders.
+* They buy or sell aggressively, depending on what Smart Money does.
+* They are the ones who cause exponential volume increase and big directional price moves.
+* Their orders are automated, and their systems are capable of placing thousands of orders before you can place a single trade.
+* They are in and out quickly.
+
+# Investment Groups and Small Funds
+
+​
+
+* The average investment company that is somewhat informed of the overall market.
+* They listen to suggestions made by the large institutions and follow market trends.
+
+# Small Investors and Retail Traders
+
+​
+
+* The average retail trader/investor or very small funds.
+
+# Uninformed Investors, aka “Dumb Money”
+
+​
+
+* This group is made up of everyone else with some extra cash to invest.
+* They have very little understanding of what is going on in the market.
+* They base decisions on emotion and are impulsive buyers.
+
+# Market Share between Market Players.
+
+Investment Groups, Small Funds, Retail and Uninformed Investors control roughly 15% of the market share.
+
+Smart Money, Corporations, Billionaires, Institutions and HFT’s control the other 85%.
+
+Having this in mind; Your trades and mine don’t really affect the markets. So logically, we should look up to the guys who actually have the resources to move markets.
+
+These guys are called whales.
+
+In the ocean, whales are big, and they cause big waves. Same thing happens in the markets.
+
+Your job, as a trader, is to find these whales, and ride their waves. I hope this makes sense in theory, now let’s discuss how to apply this in practice. You’ll need an options flow service to do this, there are a few:
+
+My favorite is Tradytics. But you can also try:
+
+Cheddar Flow
+
+FlowAlgo
+
+UnusualWhales
+
+TitanFlow
+
+When you have a flow service, you will be able to see sweeps.
+
+An option sweep is a market order that is split into various sizes to take advantage of all available contracts at the best prices currently offered across all exchanges. By doing so, the trader is “sweeping” the order book of multiple exchanges until the order is filled completely. These orders print to the tape as multiple smaller orders that are executed just milliseconds apart — When summed, they can oftentimes add up to some serious size. These types of sweep orders are especially useful for institution traders (smart money) who prefer speed and stealth.
+
+Sweep orders indicate that the trader wants to take a position in a hurry, while staying under the radar — Suggesting that they are anticipating a large move in the underlying stock in the near future.
+
+Sweeps are aggressive, but we want to filter to find more aggressiveness.
+
+More Aggressive = Better
+
+How to determine aggressiveness? Think about the risk the trader is taking.
+
+On your options flow platform, filter by
+
+1. Out of the money  
+ 
+2. Short expiry  
+ 
+3. Over a million dollars or multiple repeat sweep orders  
+ 
+4. The bigger the difference between the stock and the sweep strike price, the better.  
+ 
+
+If you see a sweep over $1,000,000 on some short term out of the money options. It is likely that the person that placed the order knows something is about to happen.
+
+**When not to follow sweeps:**
+
+**Sweeps on ETFs** (they’re used regularly by smart money to hedge positions).
+
+**Sweeps at Bid Price.** This indicates the person behind the trade sold the sweep, not bought the sweep.
+
+**Spreads**. Some platforms can filter out spreads. Don’t follow sweeps that are part of a multi leg strategy. Why? If it’s a directional spread, the anticipated move is probably not very aggressive. Or it could be a non-directional spread.
+
+**Picking options contract:**
+
+I don’t buy the same contract as the whales. I like to play options pretty safe, that’s why I always buy contracts 8 weeks out. This way I’m not stressing about expiry dates and the volatility is way less.
+
+For the strike place, the whale can but the options way out of the money, but I always buy at the money, or one strike out of the money. Again, I like to play it safe.
+
+**Conclusion:**
+
+Money is just a means to an end and making money alone from your computer, without creating any value in the world is really boring and depressing.
+
+I understand that maybe you’re too busy during market hours to find trades, or maybe you don’t feel confident enough to take your own trades. Whatever it is, I understand. I’ve spoken with dozens of people who have similar obstacles on their trading journeys.
+
+I’ve actually developed my own A.I. which helps a lot when picking trades. My historical win rate is 75%. You can check my profile or pm me for more info on that.
+
+So that’s it. I like to keep things stupid simple. This has worked for me. Remember:
+
+* Position sizing is key
+* Manage the risk
+* Be as systematic as possible
+* Look for very aggressive activity to increase probabilities
+
+And before you trade real money, paper trade. Don’t take my word, be a little skeptical and prove this strategy works before risking any real or significant amounts of money.
+Self Wealth brokerage fees are $9.50 and there is no indication its going down. Stake brokerage fees are $3, which is a massive difference. There is also Pearler who is looking to decrease their brokerage fees from $9.50 to around about between $5 to $6.50 according to this blog post by them : [https://pearler.com/learn/blog/new-products](https://pearler.com/learn/blog/new-products)
+
+All these three brokerage firms are CHESS-sponsored. 
+
+​
+
+Am I missing something or is there no reason whatsoever to keep using self wealth with their $9.50 brokerage when Stake is doing it for only $3. Seems kinda ridiculous the price difference that's why Im wondering If Im missing something that Self Wealth has that Stake doesn't?
+So, I read the richest man in babylon and it was mentioned saving 10% of your income.
+
+Is this 10% pre or post tax?
+
+Whats a good rule of thumb?
+
+  
+EDIT: I posted my financial info in the post.
+Hey diamond hands,
+
+as I am sure you have heard, there are rumors that short ladder attacks are being used to suppress the price of GME. While I held this belief for many days, I am now beginning to realize that even more insidious and backhanded techniques are being used against us. I mean seriously, there is simply no reasonable explanation for why a stock should drop in price. None.
+
+The good news is that Melvin is more scared than ever. The bad news is that today was no short ladder attack. No, it was far worse.
+
+Today we experienced a Short Escalator Omega Overflow attack
+
+Most people here have at least a few days of investing experience under their belts, so I'm not going to dumb down these concepts for you. If you can understand a short ladder attack, you can understand this tactic as well.
+
+Basically, a Short Escalator Omega Overflow attack (or Overflow attack for short) is the opposite of a short ladder attack. In a short ladder attack, shares are traded back and forth, with each trade a penny lower. In an overflow attack, the attack chooses to instead trade shares to an accomplice at incredibly high prices. How high you ask?
+
+$2,147,483,648
+
+That's right, hedge funds have been selling single shares for billions of dollars right behind our backs. Why this price though? It's simple.
+
+Every investment app, RH, TD, etc, use 32 bit integers to store prices. The maximum value of a 32 bit integer is 2,147,483,647. So what happens when it goes up by one? It goes negative.
+
+This means that every share in an overflow attack is worth:  -$2,147,483,647
+
+What do you think this does to the price of a stock? If you answered bad things, you are correct. The sale of one of these shares is enough to send the price of a stock far into the negatives. Didn't think that stocks could go negative? I'm not surprised - that's another hedge fund secret. They don't tell you THAT on investopedia!
+
+But as the critical thinkers you are, I'm sure you will now ask:
+
+"Why isn't the stock price negative right now?"
+
+The answer is because the squeeze is happening RIGHT NOW. Paper hands laughed at the idea of an infinity squeeze, but it happened and it was big. So big in fact that it overflowed the price itself.
+
+MATH TIME
+
+So we know that GME overflowed in the squeeze. But by how much? Well we know that the price right now is $90. But we have to take the overflow squeeze into consideration.
+
+If there is -$2,147,483,557 of pressure on prices, then to reach $90 the stock must cost 2,147,483,647 + 90, or $2,147,483,737. Yes.
+
+EACH SHARE OF GME IS CURRENTLY WORTH $2,147,483,737
+
+We can't forget about overflow however, so the price stored in your brokerage account is actually -$1,073,741,734. Now this might sounds like a scary number, but as long as you didn't buy on margin you will be fine. As long as you keep holding, the SEC will be FORCED to do something about it. They are already under extreme pressure to help retail investors - it's only a matter of time.
+
+And as a side note: If for some reason Melvin stops this overflow attack, your stocks will be worth over a billion negative dollars. At this point, buying GME makes a profit whereas selling puts the next 10 generations of you family into debt enslavement. So as the wise investors on WSB say: BUY!
+
+WE DESERVE OUR BILLIONS
+
+ 
+
+ 
+
+ 
+
+ 
+Edit: please stop messaging me, look at the flair on the post man
+ 
+
+ 
+
+This is not financial advice I swear to God please don't let the SEC take me away. Positions: 0 GME
+This isn't fud or anything.  I actually have most of my money in crypto so I make posts like these somewhat in part for my own sanity too and the discussions on these topics.
+
+I notice a lot of smart people who analyze the market seem to think there's always a strong likelihood of reaching new highs in the future. 
+
+IE- the market may go down a lot and reach bear markets but somehow it will bounce back and eventually reach new all time highs at some point for bitcoin, etherium and others. 
+
+I'm curious to ask here- how confident are you that crypto will continue to do this and why?
+
+👨‍🌾
+Hi /r/personalfinance!
+
+My husband and I have been married for about two years and we just recently bought a house together. We have not joined our finances at all, but it's starting to get to be a pain having to pay bills and then get a check from my husband for half, or the other way around. We keep talking about joining finances to make this easier, but we have a couple of hurdles we need to cross and I'm looking for some advice.
+
+1. I budget religiously using YNAB. I don't necessarily *stick* to the budget I make and frequently move stuff between categories, but I'm at least cognizant of where the money I have is set to go and I have several categories that I know can't be touched. My husband has tried but doesn't really have any interest in tracking his spending or using the budget program. I don't necessarily have a problem with us joining finances and me handling the budget/account reconciliation side of things (I actually enjoy budgeting!), but I don't want my husband to feel like he needs my permission to spend money, and I am worried about the possibility that it will end up being me just basically tracking his spending rather than really working toward making sure we're setting enough aside for savings, etc.
+2. I love my bank, but it has its drawbacks. I currently bank with Ally and have a 0.10% interest rate on my checking account and a 1.35% interest rate on my savings accounts. That's great, except I have no way to deposit cash. It's rare that I get cash, but usually I have to give it to my husband to deposit and have him cut me a check if I want to put it in my bank account. My husband banks with a credit union but they don't have interest checking and their savings rates are lower and they have minimum balance requirements. If we combine our accounts at my bank (my preference) we'll just have to deal with having cash on hand, but I hate that. Would it be a bad move to get a checking account with a local bank just to deposit cash in to transfer it to my Ally account?
+
+Are there any other issues anyone's come across with joining finances that we should look out for? I read through a few older threads on this topic but nothing really jumped out as being my situation so I figured I would make a post and see what pf has to say.
+Trust me this isn’t some bullshit “fake news fake news” and a middle finger. It would probably be beneficial for you to at least half ass listen to what I, and everyone else who uses this subreddit, have to say about how we view your work recently. To sum it up… it is clear to those of us with a soul that the news media right now is a disgusting, cancerous, absolutely fucking evil. 
+
+This goes for all of you. From yahoo to bezinga to seeking alpha to the Cramers and all the pundits all the way up to Andrew Ross Sorkins (your wife a baddie tho). We see all of you. For the most part it’s been expected and has been a minor annoyance. But now…. Now we see you’re evolving into your final form.
+
+You am become death destroyer of worlds, or whatever. Shilling for Ken Griffin literal Darth Vader himself AND Bank of America in the same fucking article? You people are fucking satan. I can’t for the life of me understand how we grew in the same country and went to the same schools, listen to the same music and eat the same food. Does it get you people off knowing you’ll convince a couple thousand more average investors to bag hold for these bankers? Isn’t it bad enough Bank Of America is fucked? Can’t we leave it at that and not dig the knife that much deeper in the the heart of people just trying to get by in this country?
+
+I WILL keep a tab on every article that shills for bank stocks. This is not a threat. What you don’t seem to get is that we are adults here who know how to take nonviolent action. We will not forget and we will not forgive. When this is over do you really think we won’t have the means to launch our own platforms, with a larger audience, to continue EXPOSING every fucking skeleton you have hiding. We WILL expose it all. You people are fucked.
+So the regulatory grip is tightening around the world and it’s getting more and more absurd. We as crypto supporters need to come together and should wipe off the tribalism. If governments want to make anonymous wallets illegal it only means one thing: Crypto owners being forced to deposit their holdings on „identifiable“ wallets, which are usually only available on exchanges (= the new banks?) These are places where authorities are able to have a detailed look at your holdings and even have the possibility to confiscate your holdings or block you for whatever reason they have. Being the only person who has  complete control over your own crypto assets was and is the main argument for crypto and the ultimate form of freedom. There’re already existing KYC/AML rules on exchanges which is fair enough, but forcing people to get rid of their private wallets is outrageous! I urge everyone to have a look at your country’s plans and to contact politicians who are responsible for these topics. If we don’t do anything against this, regulation will kill all the innovation and freedom we’ve achieved so far ...
+
+**EDIT: So I obviously wrote this post in an emotional state, I could've added additional sources, but it doesn't change the fact, that  these are important times ahead of us and that governments and (central banks) around the world don't like the dynamics coming from the whole crypto and blockchain sphere.**   
+
+
+>**Here's another source coming directly from an EU member:**  [*New rules for Bitcoin & Co: My proposals for the EU crypto regulation - Sven Giegold - Mitglied der Grünen Fraktion im Europaparlament (sven-giegold.de)*](https://sven-giegold.de/en/mica-green-amendments/)    
+**Thx to** /u/meesa-jar-jar-binks**/**  
+
+
+**Additional info by** /u/popopopopopopopq**/ Thx!**
+
+>But they are indeed doing some work on Crypto. Here some sources:  
+>  
+>[Draft](https://www.politico.eu/wp-content/uploads/2020/09/CLEAN-COM-Draft-Regulation-Markets-in-Crypto-Assets.pdf) the article was mentioning  
+>  
+>[EU Regulatory framework for crypto-assets](https://ec.europa.eu/info/law/better-regulation/have-your-say/initiatives/12089-Financial-services-EU-regulatory-framework-for-crypto-assets_en) (below you can find all their documentation on all Impact assessment reports, Opinions, summaries, proposals for regulations.  
+>  
+>[Details on the Expert Group that is working on it](https://ec.europa.eu/transparency/expert-groups-register/screen/expert-groups/consult?do=groupDetail.groupDetail&groupID=2885&Lang=EN)  
+>  
+>[Proposal Currently pending](https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX%3A52020PC0593) (EP and Council have to approve)  
+>  
+>[A detailed article about the MiCA](https://www.lexology.com/library/detail.aspx?g=3edcf6c0-2637-46b3-93f0-86a6d80fb27c)  
+>  
+>For what regards the EU side, as citizens we can propose regulations! So we can take action
+
+Edit: one source [https://gettotext.com/eu-draft-wants-to-ban-possession-of-anonymous-crypto-wallets/](https://gettotext.com/eu-draft-wants-to-ban-possession-of-anonymous-crypto-wallets/)
+
+Edit 2: While I agree that FUD mustn’t be shared, this is not FUD. Yes it’s just an unofficial draft, but it’s important that we as a community remain vigilant and make use of our voices. I don’t have a problem with being KYC’ed on an exchange, but I want to be the only one who is in control of my assets on a private wallet. Period. And I’m sick of all these fake arguments to give away constantly more and more of my freedom and privacy.
+Nothing out of the ordinary for SCHD, but SCHY finally paid its second dividend ever today. Here's the data for those interested:
+
+https://preview.redd.it/nzlolk8z6a581.png?width=552&format=png&auto=webp&s=ef7f05b11e8f0d5898742d89b7dc50c79b03803f
+
+SCHY in particular was interesting because all everybody had to go on was the prospectus, no history of payments. The second payment now is 7.7x that of June, which at least shows that the ETF is developing well at the moment. I expect
+
+Assuming that this payment is more or less indicative of the dividend paid out every 6 months (I would assume it goes down a bit though), we'd be looking at a current ca. 4.9% yield. I'm sure it'll go down a bit though. But at least it will quell the memes a bit for "what stock would you wish start paying a dividend" lmao
+
+Just for information.
+DLR is a REIT focusing on data centers around the world. They have over 200 data centers across 6 continents. 
+
+From what I've read, data is being created at an exponential rate and companies can hardly keep up with storage. For example, Google announced a few months ago that they can't keep up with providing free photo storage on Google Photos due to the huge amount of data created. 90% of the world's data has been created in the previous 2 years alone and over 400 exabytes of data will be generated daily by 2025. So the trend is obvious that data generation is increasing extremely fast which will mean more and more data centers will need to be created to keep up with demand. Is this a fair assumption to make or am I missing something? I feel like this has the potential to be a great long term hold. It also pays 3.09% quarterly dividend I believe. I would love to hear your thoughts on this.
+I recall seeing comments and posts about how the crazy increase of online users from 20k all the way to 150k in the sub felt abnormal and weird. Some people theorized and suggested that it might be bots programmed by shills designed to strike fear upon us by making it seem that we have gained massive popularity, just for the number of active users to decrease a few weeks later to make it seem like people are giving up on the stock. Definitely nothing suspicious or a bot attack by Shitadel that a few people suggested these past few days.
+[https://www.reuters.com/markets/europe/sp-500-nasdaq-futures-fall-social-media-stocks-lead-declines-2022-07-22/](https://www.reuters.com/markets/europe/sp-500-nasdaq-futures-fall-social-media-stocks-lead-declines-2022-07-22/)
+
+ July 22 (Reuters) - S&P 500 and Nasdaq futures fell on Friday, with social media firms and companies that sell online ads leading declines after Snap Inc missed quarterly revenue targets. The Snapchat owner's shares plunged 29.8% in premarket trading as it declined to make a forecast and said record-high inflation and increasing competition hurt advertising demand. Nasdaq futures fell the most among its peers, with Meta Platforms Inc [**(META.O)**](https://www.reuters.com/companies/META.O) and Alphabet Inc [**(GOOGL.O)**](https://www.reuters.com/companies/GOOGL.O) involved in online ad tech dropping 4.8% and 2.9%, respectively. Twitter Inc [**(TWTR.N)**](https://www.reuters.com/companies/TWTR.N) shed 2.1% before reporting its quarterly results, while Meta and Alphabet were set to post their earnings next week along with other Big Tech firms including Apple Inc [**(AAPL.O)**](https://www.reuters.com/companies/AAPL.O), Microsoft Corp [**(MSFT.O)**](https://www.reuters.com/companies/MSFT.O) and Amazon.com Inc [**(AMZN.O)**](https://www.reuters.com/companies/AMZN.O). Investors are bracing for the slowest ever global revenue growth for the social media sector as intensifying competition from TikTok and Apple in advertising threaten to compound economic woes in the second quarter.
+Hi everyone, took a dream grad job in London , but unfortunately because of the nature of the job, starting salaries are low.
+
+Having never lived in London, or particularly made much of an effort to budget, apart from recording monthly spending, how would you divide your money? What are the costs of living in London? 
+
+Would be take home ~1375 a month
+I'm expecting to pay 700-850 in rent... 
+Anxious about the money side of things but also determined to make it work! Thank you all
+Hey everyone, it's been a year since my wife and I moved into our first home and I wanted to post the numbers for what we incurred with expenses throughout the year in the hopes of giving others some insight into things to look out for when buying a house. Some of these expenses weren't expected to happen so quickly but we were lucky enough to saved for a rainy day. This is our first home, and it was a foreclosure that we picked up from a bank that had been fixed up. The only thing we knew about the previous owners was that they liked a variety of drugs more than they liked their mortgage payment. The owners before that also had problems with drugs, our neighbors have been able to give us this information on the previous owners. That doesn't mean much aside from knowing that they weren't people who likely spent a lot of money/time keeping the house in good shape.
+
+I rounded all of the expenses up/down to the nearest dollar. You'll notice some things weren't really necessary and were more geared towards things we wanted (looking at you Nest doorbell). I included them in the list to help others with the little things that come up along the way that might not be anticipated. These items are bold.
+
+We were able to put 20% down and avoided PMI, the house was purchased for $115,000 with a 30 year fixed rate at 4%. We are in the process of refinancing to a 15 year at 2.5%; it is costing us $1,500 to do that refinance and isn't included in these numbers.
+
+
+
+
+Name| Cost | Notes
+---|---|----
+Roof | $6,675.00 | Our inspector told us the roof was fine when we closed on the house, our insurance provider said to get it replaced for them to cover the house
+Air Conditioner | $3,500.00 | Central Air
+Couch | $1,780.00 | 
+Cement pathway between house and garage | $1,500.00 | Previously a decorative pathway that was in shambles
+Fridge | $1,000.00 | 
+New Side garage door + New screen door for side of house + installation | $928.00 | 
+Cement | $800.00 | City required the sidewalk to be fixed before we could move in
+Lights | $740.00 | The previous lights were moldy and had electrical issues from misuse
+Stove | $600.00 | 
+Air Ducts Cleaned | $550.00 | We heard this was a good idea prior to moving in
+Plumber | $550.00 | Leaky pipe in the basement that led to the outdoor faucet
+Lawn Mower | $410.00 | 
+Toilet | $361.00 | Previous toilet was leaking
+Dryer Hookup | $350.00 | 
+Garage Door Motor | $350.00 | The garage door motor failed shortly after we moved in
+Ceiling Fans | $200.00 | 
+**Safe** | $200.00 |
+**Fence Paint** | $200.00 | 
+**Nest doorbell** | $200.00 | 
+Inside House paint | $200.00 | 
+Office Chair | $190.00 | 
+Tree Stump Removal | $180.00 | A tree was beside the house and it's roots/branches were going to quickly become a problem
+Vacuum | $170.00 | 
+**Thermostat** | $169.00 | 
+**Mini fridge** | $160.00 | 
+Modem | $160.00 | 
+Electrical Breaker | $150.00 | 
+Spider Exterminator | $150.00 | 
+Curtains | $150.00 | 
+**Camera for house** | $120.00 | 
+Leaf blower | $99.00 | 
+**Garden Soil** | $90.00 |
+Trimmer | $80.00 | 
+Wood for Fence | $80.00 | 
+**Electronic door lock** | $50.00 | 
+**Plants** | $50.00 | 
+Garden Hose | $50.00 | 
+**Door Locks** | $40.00 | 
+Broken Window | $40.00 | This was required to be fixed by the city within 90 days of moving in
+Vanity | $40.00 | 
+Window Screen | $35.00 |
+Light bulbs | $32.00 | 
+Misc Yard Supplies(weed killer/dirt, etc) | $30.00 | 
+Top Soil | $20.00 | 
+Garage Door opener/re-programmed | $16.00 | 
+Gutter drains | $16.00 | 
+**Total** | **$23,461.00** |
+
+Edit, Location is Detroit, Michigan. 1,200 sqft.
+
+
+Edit 2: This post has gotten a bit of exposure and I wanted to add some info to help clear things up for new home owners. 
+
+* Plan for the bad things (e.g have an emergency fund)
+* Get a first/second/third quote on things to fix, especially large ticket items
+* Things like AC/central air aren’t needed for some people, in my case a window AC unit could have sufficed if I wanted it to
+* Knowledge of home maintenance can save thousands of dollars; not being good with plumbing, electrical work, pouring cement, etc cost me a lot
+* Foreclosures can cost more than a newer house, any house can have unforeseen issues, buy a house you can afford
+* If you have old stuff that works then keep and use it, new stuff always costs more than you might want to spend
+
+
+This list is just a list of things that we purchased; it's pretty easy to spot the things that could have been put off for a little bit (not everyone would need a couch that cost what we got). Also, I really am jealous of those people who have the skill-set and time to do things themselves or are in a situation to not worry about buying cheaper houses. A decade ago I was in financial trouble and felt like I would never find a way out. I’ve since made the decision to never be a slave to debt and outside of this house I pay for everything without financing. It’s been a struggle, there were times I thought about giving up and succumbing to the tougher lifestyle, but I didn’t. It’s possible to dig yourself out of those holes. I appreciate all of the thoughtful comments and for those that have asked the tough questions.
+Both models were updated yesterday:
+
+[Atlanta](https://www.frbatlanta.org/cqer/research/gdpnow?panel=3)
+
+[New York](https://www.newyorkfed.org/research/policy/nowcast)
+
+I don't really know what to make of this. The two models are largely based on the exact same source data but use different mathematical models for their prediction. See the last FAQ on the Atlanta page. Does the current market have numbers like these priced in or will this come as a surprise at the end of July when the official numbers come out.
+Just looking for some inspiration from the hive mind. I have an ok job. I make 80k a year but I only work 2/3 days a week. 
+
+I volunteer as firefighter and been thinking about doing a food truck as I’m an ex-chef. 
+
+Wondering what everyone else side hustles are and why you like them?
+Has anyone else noticed this? I got into REI because I wanted to aggressively grow my income as much as possible while also diversifying income streams from my primary business. Because of this a lot of the strategies employed by others and the mindsets others have dont really do me a lot of good. It seems like everyone who hosts podcasts, posts on the BP forums, or posts on Reddit, just wants to make enough to pay the bills. I always see people who have set their "big goal" as replacing their job income, but no one who has a goal of actually becoming "rich" through real estate.
+
+Is it just me seeing this? Everyone just seems to have such small goals. I've looked for ages for a podcast, book, or just *anything* with content from people who got into real estate because they wanted to make a significant income from it. Cant find anything.
+So I've been trying to diversify my portfolio, with different types of investment strategies. Smallcase is mostly filled with Growth and momentum based strategies and some dividend based strategies. Which makes me want to ask, does anyone know of a smallcase which follows, Value investing strategy?
+Some funds are marketed as Direct funds and some as regular funds. What are the differences and which one yields the maximum returns with less expense ratio?
+I’ll contribute to the thread myself. I’m not to that point but hope to be/likely to be one day if I maintain my path. I also grew up in poverty. How it effects me? Spending has always been hard with me. For some weird reason I still have a hard time with small expenses, such as using napkins as often as I want without feeling guilty or getting little luxuries. At the same time I finally can allow myself to have a big expense for housing so live in a nice home. 
+
+
+Another impact is that I’d bet the idea of financial independence excites me much more than others in this position, but that’s just a guess because I’ve only ever been one person. I think about the future and run calculations very often, and it just feels like winning the lottery to me. I can’t imagine having a SWR that allows me to spend $150-200/year. I can’t even wrap my head around how wild that is to me, but at the same time the math says I’m well on my way if I can maintain a good job and income. So, it’s surreal. I look forward to not having “spending anxiety” and giving to others near me who are in need the most, I always feel so much for them having been through it. 
+
+
+I just want to hear from people like me, and see if they feel the same way. Or even better, people like me who are actually at the destination, and see how they feel.
+Update: Will keep my 2 remaining wheels(45 DTE .3 delta) $MSFT and $F cash secured and won't use leverage at all, thank you all for your responses, I will break even, it will take some more time but I'll play it safe. I was Greedy, Misunderstood this video and paid the price https://www.tastytrade.com/shows/best-practices/episodes/calculating-portfolio-leverage-07-18-2016
+
+Hi Thetagang,
+
+I believe I panicked this Monday when I saw my sold NVDA / AAPL / MSFT PUTs deep in red (was supposed to wheel with margin, terrible idea), I was clearly overleveraged (10% away of a margin call, 3.5x notional leverage), timed the bottom perfectly and bought back most of my puts to stay at an appropriate margin level in the case of another 10% + drop right when it was rebounding (probably I bought back more than I should).
+
+Now looks like everything was not as bad as it seemed and is going back up, I'm having mixed thoughts about how to proceed:
+
+1. Use margin to start selling weekly PUTs and go back in to the positions I sold hoping to participate in the rebound, keep wheeling with margin (2.5x notional max - reach break even faster / more risk).
+
+2. Stay at or near cash only while wheeling (1.25x notional max - reach break even slower / less risk) .
+
+3. Accept that the stock market is not for me and cash out, put that money in a 10% PY fixed Certificate of Deposit (non US).
+
+I have some cash coming at the end of the month that should allow me to weather a 25% drop in these equities (can hold a 15% drop ATM), but I'm not sure if I am safe or exagerating stuff.
+
+Frankly I'm tired of the stock market and don't feel like looking at news / charts anytime soon, I'm fairly new here(1Y), I started using leverage around October, I've lost(realized) 25% of my account this month (10k), my portfolio is about 30% of my retirement money, won't be needing it soon but losing it will definitely hurt, no debt around.
+
+What would you do in my position?
+
+Thanks for your opinion guys, don't bash me too much please
+
+Edit: details
+Already lost like half my contribution room on penny stocks...but if I hit it big, then tax free!
+
+(Or am I just a dumbass, and just buy VEQT or whatever in my TFSA)
+Apologies if this isn’t allowed. Please remove if so. I posted in another community but the audience isn’t exactly the type that would be accustomed to the standards of lux hotels.
+
+I am currently staying at [redacted] It is my second time here. My first stay in 2020 was exceptional; a thorough oasis of calm and tranquillity.
+
+My stay this time has been anything but.
+
+For some reason, two huge groups of 20+ people have checked in on two separate days and they are treating the hotel as if it's their own private party pad. They are loud. Like, super fucking loud. So loud that as I type this at breakfast, I feel as though I am sitting in a high school cafeteria. In the spa yesterday, it was the same. Loud. Boozy.
+
+Now, those of you who are familiar with the Hotel will know that this is the antithesis of what it is supposed to be.
+
+When I am paying roughly US$2,000 per night for a spa hotel marketed as a place to come, unwind, and detach from the world in total peace and tranquillity, I do not expect the above to happen. It is frankly a complete failure of management to enable two huge groups of holidaymakers to check in to a hotel that is pretty much only frequented by couples, honeymooners, and solo travellers.
+
+If I wanted a party, I would have gone to Mykonos.
+
+So, why am I writing this?
+
+I am not usually one to complain. Even when things are not 100% perfect. In all my time travelling and staying at high-end places, I have only complained twice about much more minor transgressions. But I am feeling especially pissed off that, having paid $6,000 for my three-night stay, I have not had the opportunity to enjoy any of the facilities due to loud, drunk groups of shouting and screaming holidaymakers.
+
+So it's safe to say that I am going to complain... but I wanted some input from those of you in this sub who are experienced luxury travellers.
+
+Should I be pushing for a comp stay/re-stay? A comp night? I of course won't allude to this in my complaint; I intend to provide constructive feedback and expect them to offer a suitable compromise. On this occasion, a comp meal isn't going to cut it.
+
+Update: Had a lengthy discussion with the GM who agreed that these events were completely off brand and that discussions will be taking place further up the chain re. groups. 
+
+One night comped (didn’t ask for it; simply told the truth—I love this hotel and will return in future regardless, but that I was very disappointed with what had happened) and encouraged to drop the GM an email when I return the next time, so I assume some sort of upgrade for my next stay, or some sort of amenity.
+
+I would still recommend the hotel to anyone reading this. It’s an extraordinary experience. While the experience was somewhat of a letdown this time, their response to my feedback was in line with what I would expect from a high-end property and I am confident that it will not happen again. 
+
+This is good enough for me.
+So a project I’ve been looking at is Audio.co and was thinking it’s a really good contender to Spotify if it takes off. Currently it has backing from Bing Gordon (Co-Founder of EA Games), Justin Kan (Co-Founder of Twitch), Greg Hazel (Chief Architect at BitTorrent) and several artists as well as a good team with extensive experience in the industry. Their whole goal is for artists to retain more of the money they make from music compared to other platforms like Spotify and Deezer.
+
+Big artists are already using the platform like Russ and Skrillex as well as many other independent artists. 
+
+Currently ranked at over 300, feel like there’s a good chance this will hit in the Top 150 Coins soon as I don’t see many other projects within the music and crypto space. 
+
+Music Industry is huge and Low Market Cap for a project like this. Project has a real use in the music industry and is actually being used compared to many other “Crypto Coins” in the space. This just shows that this project is highly undervalued. 
+
+Investors: Coinbase Ventures, Lightchange and Binance which shows the legitimacy of this project.
+
+TLDR: 
+Undervalued, Low Market Cap , Potential for huge returns, Actually being used by music artists (e.g. Skrillex, Russ etc.), Music Industry is worth $21.5 Billion in the US alone, Team with extensive experience in the Crypto Space, Backed by Coinbase Ventures, Binance and Lightchange. Currently at time of writing: Rank 396 on CMC
+
+Note: I am not a Financial Advisor of any sort so don’t take this as financial advice. So please guys remember to DYOR and see if you think this is a low ranked Gem.
+
+As a lot of people are asking this question:
+Where to buy? (Got this info from CoinMarketCap)
+binance.com (Not Binance.USA),
+UniSwap,
+FTX Exchange,
+1inch Exchange,
+IDEX,
+BiOne
+
+Want to know about another 💎 I’ve found, then click the link below:
+
+https://www.reddit.com/r/CryptoMoonShots/comments/lodchs/orn_huge_potential_10x_gains_under_200m_market/?utm_source=share&utm_medium=ios_app&utm_name=iossmf
+they give a 9.86% dividend, selling at a P/E of 10.65, decreasing their outstanding shares, RoA is greater than 10%, current ratio is higher than 1, the company shows growth in bot revenue and profits. What am I missing here guys? Or is it just a fantastic buy? (Haven't done my serious research just yet)
+ I believe that there is a growing dichotomy between blue chip and regular issue stocks in both share price and financial condition. Many blue chip companies, and some regular issue ones as well, have been gorging themselves on debt for the past decade and the pandemic has only seen their stupidity grow. Many of these companies have seen a near complete share price recovery to pre-pandemic levels which, in my opinion, is stupid. The blue chips at large were already well overvalued and that was before they committed suicide by debt. They are turning themselves into zombie companies, barely able to pay off the interest on their debt each year. Conversely, the regular issue companies have not engaged in such stupidity. While many of them did have to take out some more debt, they had a safe financial position that allowed them to do so without any real worry of going into debtor's prison. Many of these companies are also selling at a great discount to their pre-pandemic level, unlike the large blue chips. This most likely comes down to the fact that the blue chips are in every single index fund out there, and since index funds are popular the blue chips are popular. Index funds have no real way of measuring risk or the underlying value of the companies within the fund, making it very easy for shitty blue chips to rise in value when they shouldn't. The next question then is: is anything going to change? In my opinion yes. Index funds are majority owned by people looking to retire and since most millennials and half of the gen X community has no savings or investments to speak of the only thing propping the companies within the indexes up are the aging baby boomer population which, if I may add, is very old. Best case scenario these baby boomers retire soon and withdraw their indexed retirement accounts which will then cause the ludicrous amount of money poured into these shitty blue chips to bleed out and the shares will become accurately priced relative to their value. In the long run share prices reflect the underlying value of the company, so we will see the shares of the regular issue companies that are currently undervalued advance in price until they come close to or surpass their true value. In summary, many blue chips are overvalued and debt ridden while a lot of regular issues are undervalued and conservatively financed. This does not apply to every single company in either category but instead reflects the general characteristics of each category's companies.
+Me (M42) single. Originally from South East Europe. Have one house in UK and two houses back home. House in UK is on mortgage and should be paid in full in the next 5-7 years depending. The other two own outright through inheritance.
+Future plan is to work until 55 max and then go back home for good. Got two kids who by then will be in their mid 20s. 
+To give them a good start in life thinking either selling the UK house to them for a nominal house of £1 or giving it to them as a gift (I am aware of the 7 year rule hence prefer selling). As I have no second home in UK I don't think selling will attract CGT but not sure if houses I own back home will be taken into account. Am I missing anything? Thanks for any suggestions.
+Wrote this in a comment reply in another thread, and realized it deserved it’s own damn thread.
+
+As we can see from 2020/2019 NSCC Annual Financial Statements, “[O]pen positions for which a trade guaranty applied”: $183 billion ($143 billion)", yet as of Dec 31, 2020 the clearing fund only had $11.8 Billion ($5.5 Billion). The DTCC has allowed an untold number of failures to deliver to accumulate without instituting a forced buy-in. This same DTCC is now asking that they and the bad actors/criminals who are intentionally and continually failing to deliver without ever covering their naked shorts or failure to deliver, should be allowed to set up a system that legally allows them to indefinitely naked short and fail to deliver. The fact that the NSCC is even proposing this shows the fact that the SEC needs to step up and take immediate independent action of the DTCC in closing out of all naked short positions and all failures to deliver.” - SEC comment. https://www.sec.gov/comments/sr-nscc-2021-010/srnscc2021010-9410381-262943.pdf
+
+That figure of open positions for which a guarantee applies is now up to $185 billion as of last December. That is 185 billion worth of FTDs and naked shorts that have not been cleared, and continue to exist. https://www.dtcc.com/-/media/Files/Downloads/legal/financials/2021/NSCC-Annual-Financial-Statements-2021-and-2020.pdf
+
+The system is corrupt as fuck. The NSCC and DTC are complicit. Everyone is in on it. 
+
+
+Citadel Securities, the Market Maker got fined $180k in 2020, for not identifying 6.5 million trades as short sales between Sept 2014 and July 2015. That is over 26k short trades a day, a fucking day. They get a slap on the wrist of 180k half a decade later in Nov 2020. 
+
+In July 21 an unidentified clearing house was fined 300k for short sale buy in failures, and failing to identify the trades as such to the participating brokers… 
+
+In Nov 21 Merrill Lynch was fined 850k and 1.5m separately for short sale violations…
+
+Anyone that tells you that Market Makers and Clearing houses are playing by the rules is either a troll or a complete r e t a r d, potato.
+Discuss.
+
+Fin
+
+
+Edit: Thanks for the gold, kind stranger.
+
+Edit 2: Sadly NSCC 010 was passed and is now in effect. Here is a comment from the above link further illustrating the importance:
+
+“I would like to thank the Commission for delaying NSCC 010 and then instituting proceedings to consider disapproving of the proposed rule. What is NSCC 010, NSCC facilitates 1-day loans of securities from Counter Party A who has the security to Counterparty B who is going to fail to deliver the stock they sold naked. This would allow for Counterparty B to "cover" their naked short position for a day, preventing the naked short from becoming a failure to deliver while counterparty A gets an agreed amount of cash for their loan. Thereby resetting the cycle and allowing the naked short to indefinitely persist.”
+Someone posted this earlier in a comment, thought was a good quick listen.
+
+@LouiChristopher continuing to make sense. Reporter choked when she hears 30% decline.
+
+Check it: https://www.abc.net.au/radio/newsradio/property-faces-30-declines/12488234
+In theory it would seem like a good way to spread out liabilities.  Is it just messy or are there taxes/fees associated with each llc?  Asking as an 18 year old so this is purely hypothetical
+Around a year ago, I started using Brave as my primary browser. And today I noticed on the homepage that I reached 1 million trackers and ads blocked, which is pretty shocking. Additionally, I was essentially PAID to browse as I normally would -- with the recent run up in the price of BAT this amounts to \~$165. Obviously not a significant amount of money, but I think the concept is awesome regardless.
+
+The browser itself works well, and the only issues I have with it are:
+
+* You can only "cash out" via an Uphold wallet, which is KYC and has high fees.
+* Some issues with receiving BAT payments on time.
+* Can't enable BAT rewards on my iPhone, due to Apple's policy.
+
+To those of you on the fence, I would suggest at least trying Brave. You can enable / disable BAT rewards (to earn BAT there are some pop-up ads that appear) as you please, so there's really no downside to giving it a shot. I think there are decent arguments on both sides about the value of the BAT token, so you can determine for yourself if enabling BAT ads are "worth it" for you.
+
+[Brave\/BAT Summary](https://preview.redd.it/p9owsa5d9no61.png?width=2082&format=png&auto=webp&s=b6164b213a07c39ccd5915c247cd2972a26ea4e2)
+Now that the trading week is over, what are you planning for the week to come? Did you make any gains this week or are you a big loser who blew up their TFSA on wealthsimple trade? 
+
+This is unregulated discussion. Remember this is a community to learn. **Downvotes are discouraged**
+
+Add 🚀🚀🚀 if you serious
+Great article in the Atlantic this weekend that I thought the FIRE community would appreciate.  [https://www.theatlantic.com/ideas/archive/2019/02/religion-workism-making-americans-miserable/583441/](https://www.theatlantic.com/ideas/archive/2019/02/religion-workism-making-americans-miserable/583441/)
+
+​
+
+Highlights:
+
+​
+
+There is nothing wrong with work, when work must be done. And there is no question that an elite obsession with meaningful work will produce a handful of winners who hit the workist lottery: busy, rich, and deeply fulfilled. But a culture that funnels its dreams of self-actualization into salaried jobs is setting itself up for collective anxiety, mass disappointment, and [inevitable burnout](https://www.buzzfeednews.com/article/annehelenpetersen/millennials-burnout-generation-debt-work).
+
+​
+
+\* \* \*   
+
+
+There is something slyly dystopian about an economic system that has convinced the most indebted generation in American history to put “purpose over paycheck.” Indeed, if you were designing a *Black Mirror* labor force that encouraged overwork without higher wages, what might you do? Perhaps you’d persuade educated young people that income comes second; that no job is just a job; and that the only real reward from work is the ineffable glow of purpose. It is a diabolical game that creates a prize so tantalizing yet rare that almost nobody wins, but everybody feels obligated to play forever.  
+
+Welcome to the Daily General Discussion thread of /r/EthTrader.
+
+***
+
+Thread guidelines:
+
+-  Please refrain from discussing non-Ethereum related tokens here. You are welcome to discuss altcoins in the Daily Altcoin Discussion thread.
+-  All [sub rules](https://www.reddit.com/r/ethtrader/about/rules/) apply here so please be familiar with them.
+
+***
+
+ Resources and other information:
+
+* Newcomers who have basic questions about Ethereum can find answers by visiting /r/EthereumNoobies or our Ethereum Education wiki page, [see here](https://www.reddit.com/r/ethtrader/wiki/education).
+
+* To view live streaming comments for this thread, [click here](https://reddit-stream.com/comments/auto).  Account permissions are required to post comments through Reddit-Stream.com.
+
+***
+
+Enjoy!
+
+I am at my wits end. Me and dude have been supporting our two children both under 2 on less than 600 a month.  We've had one financial hit after another. Since the first quarantine we've had issues with unemployment and finding jobs that'll stick. I ended up pregnant with my second child (born Nov.19). My extreme nausea caused me to be hospitalized constantly when it avalanched into preterm labor I was laid off. I hate it I feel like the enjoyment of pregnancy and a new baby was robbed from me. I barely mentioned it due to a lot of judgement. 
+During this whole mess my land lord hasn't done maintenance on our home. My bathroom sink has been unusable since March. Its disgusting water bubbles up from the drain and floods the bathroom when ever one of our neighbors showers. Our heat doesn't work and the kitchen sink is fucking leaking. I want to take action but feel paralyzed because I haven't found emergency housing. I keep getting sorry no. Its not like we have $ to move or even a hotel. The lease isn't even under our name. Each of our roommates left. One left with out any notice. They just disappeared without giving us the rent payment they been promising. I don't know if I am able to apply for rent assistance. Im scared for my kids all the time. I don't want then to live in a slum and I don't want them to be homeless.
+I have been hired as a front desk person and my boyfriend is about to sign up for the military ( he's been interested for a while. I just didn't wanna deal with the separation). We're hoping this will help get us out of this mess.  We cant live like this forever. I don't know what more we can do to fix this.
+Why would GameStop break news of their NFT marketplace the way they did? Why not simply use their amazing SMRT to post the call for NFT creators to the official GameStop Twitter, like FB did with Meta (lul)?
+
+​
+
+[Show the competitors how it's done GameStop!](https://preview.redd.it/677srmtt8u881.png?width=609&format=png&auto=webp&s=0ced7ce88cc7350868ed1ddabfdd40977d7a2380)
+
+​
+
+[Zuck's stuck with posting to social. No word-of-mouth swag at all.](https://preview.redd.it/584hfjfz8u881.png?width=449&format=png&auto=webp&s=ea26971a315c32271086718160d479e7f83feb45)
+
+It’s simple: GameStop leveraged the fact that investors and others in the NFT space would share the call for creators themselves. And it’s spread like crazy in a ridiculously short amount of time.
+
+In marketing, word-of-mouth marketing (WOMM) is hands down *the* most effective (and inexpensive becuse it's free!) way into the mind of consumers. Hearing about a product or service from a friend or family member will do more to persuade people to take action than any call-to-action button, ad spend, or social media post ever will. 
+
+Some stats about WOMM effectiveness:
+
+>23% of people talk about their favorite products with friends and family every day.   
+>  
+>Furthermore, 78% of people rave about their favorite recent experiences to people they know at least once per week.   
+>  
+>90% of people are much more likely to trust a recommended brand (even from strangers).   
+>  
+>88% of people had the highest level of trust in a brand when a friend or family member recommended it.   
+>  
+>Out of the top five popular ways to recommend a business, word-of-mouth comes first, followed by Facebook, Google, and Twitter.   
+>  
+>26% of people will completely avoid a brand if their friend or family tells a negative story about their experience.   
+>  
+>21% of people will lose trust in a brand, whether they’ve been a customer or not, because of bad word-of-mouth.   
+>  
+>[Source](https://www.semrush.com/blog/word-of-mouth-stats/)
+
+Additionally, it absolves GameStop from revealing their development, and protects them from attacks from MSM and competitors. We saw how flatly the nonsensical 🍿 partnership article fell. It was baseless conjecture and was received as such. Social media and MSM did their best to keep radio silence on the NFT Marketplace. 
+
+**Unfortunately for them, GameStop supporters took to direct messaging and  phone calls to spread the news to our friends, family, and even strangers who are into NFTs.** 
+
+I know their are those of us on both sides of the “it was an announcement/it wasn’t an announcement” argument. The reality is, it was both. A masterfully executed “leak” of their NFT marketplace project. Think critically for a moment, and you’ll realize their was no need to add the words “GameStop NFT Marketplace” on the site. They could’ve just as easily stopped at “NFT creators.”
+
+We are the best shareholders in the world (GameStop’s words). They knew we would do the rest for them and love every second of it. And they didn’t have to spend a dime of marketing. Very SMRT.
+
+Understand this. Not many brands can muster this magnitude of word-of-mouth marketing. In general, luxury brands and premium brands do it best (Lamborgini, Supreme, and Tesla come to mind). I'd venture to say GameStop knows they have the \*crème de la crème\* fans that other brands can only dream of obtaining.
+
+Be proud.
+
+I am going to loose my mind. How is this even possible?  Decades old financial institutions and multi platform crypto exchanges all in one place for years but, somehow for whatever reason, “dumb money” made this app popular amongst all !!! 
+Can you imagine when IMX integration completed and we can truly own the in game assets we paid for? NOW, That would be an amazing deal! 
+
+Let’s just be our own bank ! 🐍
+
+LFG 👩‍🚀🚀🌒
+
+This is what people who’s is familiar with the matter has to say has to say : “Hedges are so Fu*ked!!!”
+In the last three months we have seen bitcoin and other crypto's take a huge drop in value but at the same time r/CryptoCurrency has dropped by 36.6%  in participation.
+
+I know the big joke on the sub used to be that we had so many unnecessary post and moon farmers posting comments like "ALGO" and "WE ARE EARLY", but these last couple of months have felt slower on the sub. I compared the stats from 11-21-2021 to 02-15-2022 (21-11-21 to 15-02-22 for the Europeans) see images below to compare for yourself.
+
+​
+
+* post per day dropped from 893 to 677
+* comments per day dropped from 21,723 to 13,775
+* peak comments were August 10-2021 
+
+​
+
+[11\/21\/2021](https://preview.redd.it/zclqhe2344i81.png?width=933&format=png&auto=webp&s=9cf27eaf6f2b2bc3cb9ba094edf531f22bfbb542)
+
+​
+
+[02\/15\/2022](https://preview.redd.it/s8uj6d4444i81.png?width=905&format=png&auto=webp&s=476a2e7d619947f9b38e036f553235ccef5b89f2)
+
+​
+
+[post per day 02\/15\/2022](https://preview.redd.it/gj5gbaa544i81.png?width=893&format=png&auto=webp&s=b925e0324217ec99257bc137e8cff6a92e1c2988)
+
+​
+
+[comments per day 02\/15\/2022](https://preview.redd.it/qxrtcnd644i81.png?width=893&format=png&auto=webp&s=c632536630d7a4e98dd31de47c4e7aa09c144e0d)
+
+^(I used the date of 11-21-2021 because that is the only screen shot I had from the website) [^(subredditstats.com)](https://subredditstats.com) ^(that I used for the screen shots and info.)
+ I want to invest some time into learning about investing/trading. I’ve heard about a bunch of apps that simulate stock trading.
+
+(But you don’t have to use real money.) Is there a particular one that Reddit recommends? 
+If you’re new here and looking to buy them I totally understand why you’re a little nervous. [I was like you](https://www.reddit.com/r/ethtrader/comments/6chmu6/i_just_became_a_crypto_millionaire/dhv3ugx/) in 2017. You just learned about ethereum and you’re frantically trying to learn more and also decide if you missed the boat or if you should buy at the ATH. Although it probably seems too late, I honestly think it isn’t. You can certainly still buy into ethereum in one of two ways:
+
+One strategy is to just buy and hold forever no matter what. I am incredibly bullish on ethereum. Long term I think we’re going up. The entire defi and NFT economy is built on ETH. That’s not going away, it’s only growing. Will we see big corrections before then? Maybe. I held through a giant 80% plus correction in the past and I’m totally fine doing it again. I also now bought at a much lower price overall, so it’s easier for me to justify holding this way.
+
+The other strategy, the one I would recommend to you as a new user, is to DCA. That stands for dollar cost average. It’s when you want to buy an asset but don’t feel comfortable exposing yourself to the market price of it right now. Let’s say you have 100 dollars. Instead of buying $100 of ETH right now, you buy $10 every two weeks for the next 20 weeks. Now if ETH goes up you still made money from the earlier buys, and if ETH goes down then you didn’t lose everything and are still buying and are taking advantage now of buying at a lower price.
+
+And once you do buy, remember that if you own a considerable amount of ethereum that the safest way to hold it is in a hardware wallet like a trezor. Don’t keep large amounts of ETH on an exchange, and don’t use BSC or pancakeswap either. Coinbase/Gemini/kraken and then transferring into a trezor is the safest way to buy and hold ETH because these companies are highly regulated and trezor is open source.
+Hello,
+
+I need your TA Book advices that explain technical analysis methods with statistical evidence on backtests. It can explain indicators, patterns etc based on statistical record like Bulkowski's chart and event pattern rank books.
+
+Thank you in advance.
+Long post but I want to be as thorough as possible. I've been getting into personal finance for about 6 months now and trying to figure out a good plan of action for my money.
+
+I make $61.5k gross per year and bring home $3800 a month after taxes. In addition, I also get quarterly bonuses which vary per quarter but the last two years have been consistent at $4k+ a year after taxes. I do not include this amount in my budgeting. The $3800 mentioned above is fixed income. I'll have $4k in my savings this month after expenses come out.
+
+​
+
+|Category|Expense|Balance|
+|:-|:-|:-|
+|Rent + Garage|$1010||
+|Internet|$100||
+|Electric|$200||
+|Subscriptions|$125 (Netflix, Hulu, YouTube TV) etc.||
+|Car Loan|$115|$11k|
+|Gas/Fuel|$180||
+|Student Loans|$450 (Combined Minimums)|$44k total|
+|Food|$450||
+|Medical/Health|$100||
+|Monthly Cushion (Haircuts, fun money, etc.)|$200||
+|Total|$2,930||
+
+Some additional information.
+
+The student loans are through discover and are split into 3 separate loans
+
+* $22,000 at 6.2%
+* $17,000 at 6.2%
+* $5,000 at 5.2%
+
+The car loan is on a 2008 at 2.7% for 5 years. Planning to pay off in 3. That $115 is the minimum. I've been paying an additional $135 at the end of each month since I got the car in August of 2021.
+
+I have another vehicle that I owe nothing on that's worth about $3.5k. It's what the new car replaced. Just haven't gotten around to selling it yet.
+
+This is probably the most important. I have an apartment lined up for April in which I will be splitting expenses. The total of rent and all utilities will come to no more than $800. I'm spending $1300 currently. I work from home right now but I make a 1 hour trip sometimes twice a week which is why my gas bill is so high. I will no longer be traveling once I move which will likely cut that expense by at least half. Other expenses like the subscriptions will probably get split as well. I will no longer be paying for a garage after I move.
+
+Some of this stuff like the Monthly Cushion/Medical/Electric are overestimated or often not spent so I've frequently been coming under budget each month.
+
+My personal goal right now is to increase my income. Within the next 6 months I plan on getting a new job that pays much better.
+
+I really want to maximize my income and make it as efficient as possible to pay down my debt and build wealth. I'm 27 and aiming for having all my debt gone by 30 if not sooner.
+RC tweeted "Whoops" today at 1:47p (PT for me)
+
+https://preview.redd.it/t5l8y46z50b91.png?width=587&format=png&auto=webp&s=4ec6eb73ccbba80a969fe10f70c774173af16b7a
+
+Naturally, I checked GME's stonk chart and there's a beautiful spike to $135.50 AH.
+
+[Tick by Tick Chart of AH](https://preview.redd.it/7tpdl2f160b91.png?width=2312&format=png&auto=webp&s=b81d7ac884a57c6412eaf79ebe40b93457807697)
+
+​
+
+[1 min chart for today](https://preview.redd.it/d7tzbfxk60b91.png?width=2286&format=png&auto=webp&s=33270d45a4eb7f32be6ea7e2dec572981242d1ec)
+
+Did RC tweet "Whoops" because someting slipped through Kenny's mayo fisted grip?
+
+Adding some extra text here because automod doesn't understand that a picture is worth 1000 words and there are two pictures here so they should count for 2000 words and it rejected my previous post attempt simply because it didn't recognize enough text in the post.
+
+EDIT: Added minute chart to the tick by tick
+Zillow owns FIVE properties in the same neighborhood. If you check then out, they are listed way below their purchase price… how is this sustainable? What’s going on? 
+
+https://www.zillow.com/homedetails/40243-Sagewood-Dr-Palm-Desert-CA-92260/18073908_zpid/?utm_campaign=iosappmessage&utm_medium=referral&utm_source=txtshare
+
+Edit: This Justin Tye dude has many of these listings. Must be nice!
+
+Edit 2: another Zillow post blew up 
+
+https://www.reddit.com/r/WhitePeopleTwitter/comments/puri9x/this_shouldnt_be_happening/?utm_source=share&utm_medium=ios_app&utm_name=iossmf
+Welcome to the Daily General Discussion thread of /r/EthTrader.
+
+***
+
+Thread guidelines:
+
+-  Please refrain from discussing non-Ethereum related tokens here. You are welcome to discuss altcoins in the Daily Altcoin Discussion thread.
+-  All [sub rules](https://www.reddit.com/r/ethtrader/about/rules/) apply here so please be familiar with them.
+
+***
+
+ Resources and other information:
+
+* Find the latest Altcoin Discussion thread in [this search listing](https://www.reddit.com/r/ethtrader/search?q=author%3Aautomoderator+title%3Aaltcoin&include_over_18=on&sort=new&t=all).
+
+* Newcomers who have basic questions about Ethereum can find answers by visiting /r/EthereumNoobies or our Ethereum Education wiki page, [see here](https://www.reddit.com/r/ethtrader/wiki/education).
+
+* To view live streaming comments for this thread, [click here](https://reddit-stream.com/comments/auto).  Account permissions are required to post comments through Reddit-Stream.com.
+
+***
+
+Enjoy!
+
+Facts:
+
+\~2m MCAP
+
+Major sell off and has had a steady positive uptrend
+
+Just broke ATH
+
+Positive community
+
+Active admins
+
+Strong safemoon vibes
+
+​
+
+Not saying do it. But, saying check it out. 
+
+Can't give financial advice! 
+
+​
+
+Buy link:  
+
+[https://exchange.pancakeswap.finance/#/swap?outputCurrency=0xfad8e46123d7b4e77496491769c167ff894d2acb](https://exchange.pancakeswap.finance/#/swap?outputCurrency=0xfad8e46123d7b4e77496491769c167ff894d2acb)
+
+Charts:
+
+[https://dex.guru/token/0xfad8e46123d7b4e77496491769c167ff894d2acb-bsc](https://dex.guru/token/0xfad8e46123d7b4e77496491769c167ff894d2acb-bsc)
+
+Telegram:
+
+[https://t.me/foxfinancebsc](https://t.me/foxfinancebsc)
+Hello everyone!
+
+I have a daughter who will be starting college next year; so I'm setting up a brokerage account and Roth IRA account for her. I told her, I'd give her 5k to invest and whatever money she's able to invest herself for a year, I'll match it until she's 21.
+
+I advised her to do VT 100% in her Roth and AAPL and MSFT in her brokerage account 50/50 split 
+
+She wants AMC and GME in the brokerage 75/25 and O 100% in the Roth.
+
+What are you guys thoughts on this?
+Hello apes. Not a financial advisor, hopefully you know that.
+
+Please take a look at the following DD as it is beautifully written and I'm going to be referencing some figures from there. It also gives you a much needed confirmation bias injection straight into your retinas:
+
+[https://www.reddit.com/r/Superstonk/comments/mvdgf5/the\_naked\_shorting\_scam\_in\_numbers\_ai\_detection/](https://www.reddit.com/r/Superstonk/comments/mvdgf5/the_naked_shorting_scam_in_numbers_ai_detection/)
+
+Also would like to give a big shoutout to /u/yelyah2 for providing me with a data dump of options numbers, and /u/Dan_Bren for providing deep ITM call purchase data.
+
+Let's get to it, shall we?
+
+https://preview.redd.it/nyka631l0gw61.png?width=612&format=png&auto=webp&s=354d585f9221b3bed06324db4f13bd2aee097c8c
+
+# We Totally Covered Our Positions!
+
+Remember how Mr. Plotkin said that Melvin had closed their Gamestop position? **And also saying that the runup was not due to shorts covering**? Yeah, that was most likely a technicality in words to fuck with everyone's heads. 
+
+Consider this: what if you "closed" your Gamestop position by becoming net-neutral by hiding your shorts, and new shorts, with Married Puts? You 'closed' your original position by shifting it. Lawyers love this shit. You're not technically lying!
+
+Over the weekend of the 27th we were told that SI% had dropped from over 100% to \~40% and it continued to decline for a few weeks. Well, that's not right. How could they have covered if they **literally said that the runup was not due to covering short positions**? Sounded, and still sounds fishy as hell. I'll let you in on a secret: **they have not covered. Why would they ever give up BILLIONS of dollars to retail? You can bet your sweet ass they would fight tooth and nail until they win it all or lose everything.**
+
+Take a look at the following chart and think about if the put OI (orange) looks normal to you.
+
+[Source: \/u\/broccaaa \\"The Naked Shorting Scam\\"](https://preview.redd.it/djhl8mfp0gw61.png?width=1873&format=png&auto=webp&s=30665f72b556f7c766aca898704e2efed684272d)
+
+Sure as hell does not look normal. It looks like shorters must have created a bunch of married PUTs **in order to hide their true SI%**. This surge happened in the January runup and is still well away from where it should be - it's sitting around 1,300,000 OI when it should be roughly 300,000 OI to align with CALL OI. Scooby Doo (/u/broccaaa) - I think you deserve a Scooby Snack for this data.
+
+Let's take a look at deep ITM call purchases:
+
+[Source: \/u\/broccaaa \\"The Naked Shorting Scam\\"](https://preview.redd.it/j0fq1ach3gw61.png?width=1937&format=png&auto=webp&s=31818cbfc8946d80eca1d149bd157126a73b0217)
+
+Oh boy look at that. We get anomalies of deep ITM call purchases around the time the total PUT OI skyrockets. Not only that, I'd like you to notice the following dates at which these anomalies occurred:
+
+* January 13, first spike in price.
+* January 24-26, runup in price.
+* January 27, second spike in price.
+* January 28-Feb 1, rundown in price (still above $200).
+* February 24-25, third spike in price.
+* March 8-10, second runup in price.
+
+Why was this happening? Well, I'm pretty damn sure that it was to put a cap on things before they got out of hand. Each date of deep ITM calls being purchased was either on the day of a spike in price or during a multiple day run-up in price. This was a chance to stop the upward pressure of FTDs being delivered. It was a guaranteed runaway train in January unless they stopped buying to allow this malicious options practice to go through. It was almost a runaway train on March 10 as well, until they dumped a hundred thousand PUTs to flash crash the price.
+
+**So it is very likely that the increase in PUT OI is to hide SI%, while the deep ITM calls are to delay FTDs.**
+
+A few FTDs had slipped out on some days - allowing the price to pump upward - but the rest were suppressed to a later date. Where exactly did the rest of them go? What date are we potentially waiting for?
+
+# Scooby Doo - Where Did Shitadel & Co. Hide The Shares? What Happened on March 10?
+
+I've highlighted the below data courtesy of /u/yelyah2. This is a chart that tracks **OI of PUTs** for a select few expiration dates. I've included a column of the total CALL OI just for reference. We're basically looking at the earlier chart, but with specific option expiry information.
+
+Orange = Spike dates
+
+Green = Major option expiry dates to look at. It is very likely that these option dates triggered T+13 FTD spikes (e.g. 2/5/2021 -> 2/24/2021, and 2/19/2021 -> 3/10/2021)
+
+Red = OI changes to consider
+
+[Source: \/u\/yelyeh2 Options Data](https://preview.redd.it/vu31m3o65gw61.png?width=901&format=png&auto=webp&s=d0fe2896848485c003317248d6881fcd58503396)
+
+I'd like you to take a notice of the three sequential red highlighted rows from 3/9/2021 to 3/11/2021. What in the **hell** happened to OI for 7/16/2021 PUT OI? It is very likely that FTDs were spilling out due to **T+13 FTD delivery** from 2/19/2021, causing that massive run-up in price to about $350. They utilized their ammo in 7/16/2021 PUTs to smash the price down. They did not have this trick up their sleeve back in January - shutting down buys was their only chance back then. On March 10, exercising options all at once would allow them to put massive sell pressure at whatever strike price they wanted. This was potentially expensive, but worth it to shut things down.
+
+Anyways - just like the graph earlier shows, we go from a ridiculous \~300,000 OI in PUTS to \~2,000,000 OI by 2/5/2021. I consider most all OI changing after 2/16/2021 to be natural and not due to shorters, because our main interest is what happened between the January runup and the middle of February, when SI% dropped significantly. You can see that the PUTs were mostly spread between 2/19/2021, 4/16/2021, 7/16/2021, and 1/21/2022.
+
+So, it looks like SI% has been hidden in those major option expirations through PUTs. Now let's take a look at when they decided to purchase deep ITM calls (which are way more interesting to me, mainly because they haven't been spread out as much, **and are likely the place where FTDs have been hidden**). This data is courtesy of our good friend /u/Dan_Bren. Let's look at the option date and strike price that the first post /u/Dan_Bren provided of deep ITM calls were purchased from March 1st:
+
+​
+
+[Deep ITM Call Purchases, March 1st](https://preview.redd.it/iepm3qufbgw61.png?width=145&format=png&auto=webp&s=3837a4da20305942f2a8b740a8bd3731ac552753)
+
+Ok ok, April 16. Interesting. What's the next purchase on March 3rd?:
+
+[Deep ITM Call Purchases, March 3rd](https://preview.redd.it/ilkqzw9nbgw61.png?width=141&format=png&auto=webp&s=90e8db32728c11229452e046cfc3336f8325ccdb)
+
+Same date, alright. What purchases were made on March 4th?:
+
+[Deep ITM Call Purchases, March 4th](https://preview.redd.it/kvq3s50wbgw61.png?width=145&format=png&auto=webp&s=9204b40f7e8976435bc8af4b0b18c7c4d8216757)
+
+Damn you hedgies, what you doing? 
+
+I'm not going to waste more screenshots. I'll sum it up. **All of the purchases were for April 16 expiration up until April 26, at which a few purchases were made for April 30.** ~~There is no evidence of purchases for deep ITM calls in expirations later than these dates. Nothing for 7/16/2021, and nothing for 1/21/2022~~. Does this mean that most FTDs were hidden in 4/16/2021 expiration? We might find out soon.
+
+Edit: There are quite a few deep CALL purchases that were made for July 2021 and January 2022. But a lot of ammo was dumped into April 16, 2021, which starting back in 2020 and continued into April. I'll talk more on this below.
+
+# What's so significant about April 16, 2021?
+
+Let's roll back in time to early 2020. What were the main options you could purchase?
+
+* 01/15/2021
+* 04/16/2021
+* 07/16/2021
+* 01/21/2022
+
+If you were a hedgie, and COVID just hit, you'd think, "Damn, Gamestop is going to release their earnings report and their bonds will mature before April 16. They will be dead by then. The closer to expiration the higher risk the higher reward, and thus a cheaper entry price. Let's pile up and pump into 04/16/2021. Why waste more money on 07/16/2021 expiration?"
+
+It's very likely that Shitadel & Co. had significant positions expiring on April 16, 2021. **Remember when Melvin reported 50%+ losses in January, and then magically gained 20%+ in February? I call bullshit and believe this was unrealized losses from their PUT positions that they must have diamond handed and any naked CALLs they must have sold. You don't technically lose your option premium until expiration. They could claim "losses" on the way up and "gains" on the way down due to premium swings. Hmmm... Wonder what date of expiration they might have chosen for their 60,000 PUTs? And (very possible) naked CALLs?**
+
+They (most likely) kept purchasing deep ITM calls specifically for this date to delay FTDs because it was the cheapest date to hope that GME would die off, and the date which they held many PUT positions. After that, whelp, they're probably screwed because our wonderful friend/foe the DTCC had introduced **rule 005 to ban hiding of FTDs through malicious options practices**.
+
+I understand that **005 has disappeared** but I truly believe that it will re-appear just before the next FTD spike is about to occur so that they cannot hide their FTDs once more. This might be why Shitadel is shitting their pants and working overtime ever since April 16 - "What the **FUCK** do we do now?".
+
+# When Moon? When Next FTD Spike?
+
+Consider the T+N dates we've heard about. T+2, T+13, T+21, and others.  For normies like you or me, we're required to deliver by T+2. For the special guys like HFs and MMs, you simply report an FTD after T+2. However, upon T+13, the broker forces you to deliver.
+
+I'd like you to note that **January 27**, **February 24, March 10** all occurred on Wednesdays. It is in my belief that these spikes are all linked to T+13 from a previous options expiration. Specifically:
+
+January 8 -> January 27
+
+February 5 -> February 24
+
+February 19 -> March 10
+
+[Now take a look at this data from another wonderful DD](https://preview.redd.it/hqeiaec69kq61.png?width=960&format=png&auto=webp&s=142b6106a5b8824006906f3604af2d779e551165). Shout-out to /u/beyond-mythos for bringing this to my attention.
+
+Source: https://www.reddit.com/r/GME/comments/mhv22h/the_si_is_fake_i_found_44000000_million_shorts/
+
+Would you look at that! Deep ITM CALLs were purchased for....
+
+**February 5 and February 19**! Looks like some support to the T+13 theory.
+
+But wait! You see March 19 deep call purchases. Why didn't it spike on April 7? Very few deep CALLs were purchased for March 19. A ton more for February 24. And **an absolute DUMPSTER for April 16**
+
+If this pattern continues from another very interesting options date \*cough\* April 16 \*cough\*, then we're due for an FTD spike very soon.
+
+* We know that they hid their SI% most likely through married PUTs. 
+* We know that they most likely hid FTDs through deep ITM calls, almost all expiring April 16. 
+* We know that Shitadel and others have been working day and night since April 16.
+* We know that with rule 005, when in effect, will prevent them from kicking the can further down the road. 
+
+Now, let's apply T+13 to April 16 for when we could possibly land:
+
+April 16 -> T+13 -> **May 5**
+
+Yeah, it's a date. I like dates, bitch. I'll leave you with a few supporting notes:
+
+* Lots of TA is pointing to an apex next week. 
+* US Treasury is issuing 0% bonds on May 4th which mature June 1st. 
+* [Distribution Days](https://www.reddit.com/r/Superstonk/comments/n0htur/the_end_is_near_market_tops_distribution_days/) have been noticed by [u/According\_Bee2757](https://www.reddit.com/user/According_Bee2757/) signaling a potential imminent market crash. Big players must be slowly exiting their positions at the peak of the market.
+* The initial comment period for rule 002/801 will be up next week, so its possible it will go into effect. 
+
+**Oh boy.** Are your tits jacked? Mine are.
+I've always rented, but I plan to purchase my first home once my current lease is up (about 7-8 months from now). I want to buy a duplex and rent the other home, as well as possibly additional rooms in my house in order to bring in some extra income. I don't know much about real estate or purchasing a house so I was hoping I could get some insight from everyone here. I live in a city with a very expensive real estate market (San Diego), but I of course want to get the best deal possible.
+
+**How do I get the whole process started?** A friend mentioned that when he bought his house, he used the seller's real estate agent so that he didn't have to pay for the agent, but I've also heard that it isn't a great idea because the seller's agent is obviously looking for the most profit for the seller and not a deal for the buyer. Do I just look on Zillow or other websites and find a house I like? Is there a way to get access to the MLS for free? I've been looking at mlslistings.com--is that a good alternative if I can't access MLS? 
+
+**When do I get financing?** I plan on using a VA loan to finance the house. Do I decide my price point and get a loan before I even start looking? Do I need financing before I make an offer on something or can I get it after? Can I include extra costs to renovate/fix up the house in the loan? What is considered a good interest rate? How does PMI work?
+
+**Is there a checklist of things I need to do before buying?** I'm pretty sure I need to get it appraised--at what point would I do that? What other inspections do I need to get? How do I get the property zoned? What kinds of things do I need to know the "age" (I've heard you should know when the last time the roof was replaced, etc.--maybe the fireplace/chimney as well)? 
+
+**What about location?** Should I check whether or not it's in a flood zone? What other "zones" should I look out for?
+
+**How do I know where the "path of growth" is?** I've heard a while ago that there's a county/city entity with which businesses have to apply/register in order to open. Is that the department of city planning? The recommendation was that you can contact this entity and find out what area businesses are starting to apply for so that you can look in that area and get ahead of the game. Are there other ways to determine the path of growth?
+
+**What can I use to negotiate the price?** Are there things to look for that I can bargain with in order to bring down the asking price? Bad smell, messed up lawn, mold, broken equipment like A/C, etc?
+
+**What else do most people overlook?** What kind of things--big or small--have you seen pop up that most people wouldn't think about? I've heard stories like:
+
+- The buyer found out after purchasing that regulations required the home to be 20+ ft from the road (which it wasn't), so they had to pay thousands of dollars to resolve it.
+
+- The buyer found out that the fire hydrant on the property would actually be owned by them, not the city, and they would be responsible for replacing the system if something went wrong.
+
+Bottom line is, I want to go into this with a list of things to look for or make sure of so I don't miss out on anything or don't end up screwing myself over. Thanks for any help!
+**Edit: **I didn't expect to see such a split difference in opinion with this post. Thank you everyone for your contributions. It has given me a lot to think about, though my general opinion on discussing pay with colleagues being a good thing remains unchanged. I think I'll have a look into what union my job falls under, and weigh up my options then. 
+
+As title asks. My work contract forbids discussing pay with other coworkers. Is this allowed and or normal? 
+
+I've always firmly believed it's in my best interest to openly discuss pay with colleagues. I've recently learner that a coworker of mine is one level lower than me on the award rate, but she has 15+ years more experience than me. Disclosing to her that I am being paid more seems like it would be in violation of my contract, but not telling her makes me feel like a shitty human. Can my workplace legally forbid me from talking about it with her?
+EDIT: response thread here: https://reddit.com/r/ethtrader/comments/8z83sp/lets_cut_through_the_bullshit_of_todays_events/
+
+I posted this is the daily, but I’m moving it here and reformatting to preserve discussion. 
+
+——————
+
+Parity, this happened today and I think someone needs to address it to the community:
+
+https://reddit.com/r/ethereum/comments/8z0w0x/proposal_to_move_eip_999_to_accepted_state/
+
+u/5chdn, self-described “Everything Ethereum at Parity”, has attempted to accept his *own* EIP and push it through approval, without further discussion, bypassing the previous opposition presented by many of us in this community the last time it was discussed. This occurred in spite of Parity previously saying that [they acknowledged the community’s opposition and would work with the community to find future solutions](https://paritytech.io/our-commitment-to-ethereum-and-a-decentralised-future/).
+
+**person in question**
+https://i.imgur.com/QEX1WzS.jpg
+
+**person in question changing status of their own EIP**
+https://i.imgur.com/DkB9ggQ.jpg
+
+**person in question attempting to merge in their change without any discussion, but thankfully getting shut down by the automerge bot**
+https://i.imgur.com/jNatC8h.jpg
+
+——————
+
+My immediate questions are:
+
+Does Parity support the actions that were taken by u/5chdn?
+
+Is Parity going to pursue a contentious hard fork to recover funds now that the community has, again, had to raise a fuss over this issue?
+
+How can we trust that the issue will be dropped *forever*? Is this another “ISPs keep trying to kill Net Neutrality until they succeed” sort of situation where the community will need to remain ever-vigilant against Parity acting in bad faith?
+
+Why should we trust you?
+
+——————
+
+What I see here is a (thankfully failed) attempt by Parity to single-handedly dictate to the community what should happen regarding the locked funds from their contract bug, ignoring anyone’s voice but their own. Single-handedly forcing through a decision goes against **everything** blockchain tech stands for and should be considered treasonous in the context of the decentralized future that we’re all here supporting with our time and/or money. 
+
+As a community, I hope we can all agree that this will not be overlooked and swept under the rug just because it failed. The fact that this was even tried is unforgivable.
+
+I can’t speak for everyone, but I know many of us are eagerly awaiting an official response. 
+ETH/USD Liftoff Due: June 3
+http://i.imgur.com/5pYoh28.png
+
+ETH/BTC Liftoff Attempt In-Progress
+http://i.imgur.com/wHjdwky.png
+
+I've created a twitter page due to popular demand. This is my first twitter account so it may be a rough start.
+
+https://twitter.com/scienceguy9489
+​
+
+[ “I believe that banking institutions are more dangerous to our liberties than standing armies. If the American people ever allow private banks to control the issue of their currency, first by inflation, then by deflation, the banks and corporations that will grow up around the banks will deprive the people of all property until their children wake-up homeless on the continent their fathers conquered. The issuing power should be taken from the banks and restored to the people, to whom it properly belongs.” ](https://preview.redd.it/2otrh1t7a8u91.jpg?width=1075&format=pjpg&auto=webp&s=9f86844f238f330f3ffba04b178c2e61eb61a789)
+
+Thomas Jefferson
+
+​
+
+[http://futurenewstoday.blogspot.com/2009/10/dtcc-wall-streets-untouchable-bookie.html](http://futurenewstoday.blogspot.com/2009/10/dtcc-wall-streets-untouchable-bookie.html)
+
+​
+
+Threatened to cancel program participation for a TRANSFER AGENT..DTCC has monopolized the system to only fail at the one job of a clearing agency to make sure purchases clear and real shares are delivered. They then turn around casting judgement and telling who can and can not be part of the system ...not for the good of investors but to keep anyone from finding out that they are nothing but a crime syndicate that  threatens, bullies, lies , commits securities fraud both domestic and international.
+
+[Because they continue to get away with criminal behavior they become more arrogant and now crime is just part of doing business with them, this is why you stop doing business with them and Direct Register your Shares.](https://preview.redd.it/3hyscj21d8u91.png?width=905&format=png&auto=webp&s=5ca909859433eaf7a7d35d8129ef14831e3aed42)
+
+**Letter from a transfer agent:**
+
+"Many Issuers have come forward with their opinions and interest in joining the exodus from DTCC.  Almost daily, particularly when an Issuer is attempting to have their shareholders pull their shares from street name and obtain certificates, **Transfer Online receives phone calls from shareholders who tell us that their broker told them they cannot have a stock certificate, or that the transfer agent will charge you $75 - $100 dollars for a certificate, or the transfer agent won't issue the shares. How can a shareholder get a stock certificate if their broker (or the participant) is the obstacle?" Sound familiar?** 
+
+Again this has been it all along, they desperately need to keep your shares.I am writing these comments to the Depository Trust Company’s (“DTC’Cs”) proposed rule change that appeared in the February 21st issue of the Federal Register. My comments represent several viewpoints but primarily I respond in the following capacities: 
+
+I ***am the President of Transfer Online, Inc, and act as the transfer agent for (Nutek, Inc.) one of the Issuers who expressed their desire to withdraw from the DTC system but were denied.*** Transfer Online also serves as the transfer agent to several other companies who have inquired about the possibility of withdrawing from the DTCCsystem and finally, I am an experienced member of the financial services industry for the past 20 years where I have specialized in transfer agent and back office services.***As a transfer agent involved in this process I have direct experience of the situation(s) leading to DTCC’ s request. While acting on the behalf of Nutek, Inc. to notify DTCC of their intent to withdraw, Transfer Online was initially told that the request was received and in process. No indication was given that this request to withdraw was a problem until approximately 6 weeks later when we were made aware that DTC’s position had changed. Transfer Online was told that if Nutek, Inc. shares were not transferred into their nominee name, Cede & Co", Transfer Online would be in violation of the operational agreement between our two companies and that we would be held accountable.*** This put Transfer Online between the Issuer’s request (on whose behalf we act) and DTCC’s demand and s**o we inquired to the S.E.C as to what, or if, any legal or statutory obligations existed to either party which superceded our agreement to act as agent for the Issuer. The S.E.C was unable to issue guidance in this matter so having no idea what “being held accountable” would mean to Transfer Online, and having received several phone calls from DTC requesting to know my position and what my intentions were, I suggested to the Issuer that until such time they were prepared to handle any potential legal issues with an entity as large as The Depository Trust Company that they let the shares be processed as usual.** Many Issuers have come forward with their opinions and interest in joining the exodus from DTCC. They are frustrated by dramatic unexplained price movements, confounded when in a single day, in companies with a high percentage of shares held by insiders, more than the number of shares outstanding for their company are traded, and they are frustrated by their inability to access the information they need to determine the cause. The company is essentially cutoff from the majority of stock transactions that take place behind the closed doors of DTCC in book entry movements of shares. Should the Issuer request information it is only available to them at the prices that are determined by DTCC. Transfer agents, while able to provide transaction history which happens when stock certificates are involved, cannot provide the information from DTCC because we do not have access to the majority of the shareholder records as they sit on our books as one large position in the name of Cede & Co. that seldom changes. ***This leaves an Issuer powerless to research the trading of their own stock, communicate with the shareholders or take action against those who might be harming their company with questionable even perhaps illegal trading practices.in regard to DTC's proposed rule change that states, "DTC will only honor the requests of the participants", I feel compelled to point out that the participants of DTC are ultimately only holding shares for the benefit of their customers who are in fact the shareholders of the company.***
+
+***Olde Monmouth Stock Vs Depository Trust Clearing (another transfer agency)***
+
+*In this action, plaintiff Olde Monmouth Stock Transfer Co. Inc. alleges that defendants Depository Trust Clearing Corporation (DTCC) and Depository Trust Company (DTC)* **violated federal and state antitrust laws by unreasonably excluding Olde Monmouths from DTC's Fast Automated Securities Transfer Program. Plaintiff also alleges that the DTC tortiously interfered with Olde Monmouths economic relationships with existing and potential future customers by contacting some of plaintiffs clients and undermining Olde Monmouths business relationships,** *furthermore, plaintiff suggests that DTC may have publicized Olde Monmouths exclusion from the FAST program to the stock issuing community.*
+
+[https://www.casemine.com/judgement/us/59146e69add7b04934335aed](https://www.casemine.com/judgement/us/59146e69add7b04934335aed)
+
+
+
+**Why The DTCC Is A Prime Mover In Securities Fraud and Naked Shorting**
+
+"**Instead of forcing their DTCC participants holding the short positions (failures to deliver) to deliver the missing dividend shares of Coil,** **the DTCC management told Grifco to contact the shareholders that didnt receive their dividends to sign a waiver waiving their right to these dividends.** "
+
+**A LESSON FOR HEAVILY NAKED SHORT SOLD CORPORATIONS A SYNOPSIS OF THE BELOW ARTICLE** 
+
+Grifco International, Inc. owns 75 million shares of Coil Tubing Technology, Inc. and they wish to dividend out this asset to the owners of their 40 million shares outstanding. Each share of Grifco owned will therefore receive 1.89 shares of Coil Tubing. 
+
+Grifcos 40 million shares are **partially held in street name at the  DTCC** and **partially in registered format wherein the shareholders hold their own certificates,** perhaps in a safety deposit box. 4) 
+
+The DTCC holds in book entry format 68 million shares and thus a large % of these book entries are associated with failures to deliver. For instance, if 10 million shares of Grifco are held in a registered format by their purchasers in certificate form then 30 million would be held in street name at the DTCC **and thus 38 million of the book entries held at the DTCC were in a failure to deliver status.** The DTC division of the DTCC acts as the legal custodian of these 30 million shares (an estimate) and is well **aware of the disparity between the 30 million shares in their custody and the 68 million shares held in an electronic book entry format on the books of their participants.** 
+
+**They learned of this disparity during the dividend process.** 
+
+**Due to the enormous amount of deliver failures held at the DTCC (28 million shares plus the amount held in certificated form by registered shareholders) there obviously werent enough dividend shares of Coil to go around if all shareholders of Grifco were to receive 1.89 shares of Coil per Grifco share owned.** 
+
+**The securities laws clearly state that any short seller that is short any shares of an issuer on a dividend record date must match that dividend**. 
+
+Instead of forcing their DTCC participants holding the short positions (failures to deliver) to deliver the missing dividend shares of Coil, **the DTCC management told Grifco to contact the shareholders that didnt receive their dividends to sign a waiver waiving their right to these dividends.** Obviously very few would comply as they had legally earned these dividends. 
+
+***DTCC then demanded that Coil Tubing, whose shares were being dividended out by Grifco but that otherwise had nothing to do with the dividend distribution process, to go out and buy additional free trading shares in the market or supply the missing amount out of their treasury despite the fact that it was clearly the responsibility of those short the stock of Grifco on the dividend record date to match the missing dividend shares. 9) Grifco obviously refused this DTCC order as it would have been very damaging to their shareholders because of the dilution, as well as very expensive.*** 
+
+ ***DTCC management then issued a statement on 7/10/08 that unless it received the necessary shares within 21 days that they were going to proactively reduce the size of the dividend distribution from 1.89 shares of Coil per Grifco share owned to 1.29 shares per Grifco share owned. They did this despite the fact that it was clearly the responsibility of those DTCC participants that were short the stock to match the dividend***. 
+
+Coil Tubing refused to play ball with this DTCC mandate and filed suit against the DTC and Grifco itself claiming that Grifco should have been aware of this massive discrepancy. In reality Grifco management has no idea of the levels of delivery  failures in their shares held at the DTCC or outside of the DTCC in an ex-clearing format. **The judge issued a temporary restraining order forbidding the DTCC from adjusting the Grifco shareholders accounts from 1.89 dividend shares per Grifco share owned to 1.29 shares of Coil per Grifco share owned.**
+
+[https://www.sec.gov/comments/s7-20-08/s72008-503.pdf](https://www.sec.gov/comments/s7-20-08/s72008-503.pdf)
+
+**Voting Fraud**
+
+During a recent Open Public Forum on the impacts of naked short selling, an issue came forward regarding proxy voting. In the Forum Dr. Susanne Trimbath, a 10-year employee of the DTC Stock Lending and Clearing Operations identified a study of the proxy voting process conducted by a single transfer agent on 341 securities they were responsible for. The study revealed that in each of 341 securities reviewed each one had a reported over-voting of proxies due to a system breakdown in the proxy process. The report was later published in a Securities Transfer Association Newsletter.
+
+To further expose this issue of non-compliance Anand Ramtahal, Vice President, Market Member of Firm Regulation for the NYSE identified a similar study conducted by the Exchange on several of its members and found the same results as the Transfer Agent Study. **The conclusion being that members were not following the rules and regulations pertaining to voting to beneficial owners only but instead allowed all book-entry non-controlled shares to also be voted.**
+
+​
+
+**Blackmail**  
+
+
+In an October 2008 meeting between BCIT and the DTCC, the **DTCC finally gave BCIT an ultimatum after years of giving BCIT management false promises about lifting the Global Trading Freeze.**  
+ **BCIT management was told if they ever wanted the Global Trading Freeze lifted they first had to issue enough new shares to cover all the existing Naked Shorted shares the brokers created out of thin air.** Issuing new company shares would essentially allow the brokers to cover up all of BCIT shares they counterfeited. This would also allow the brokers to keep all of the money they stolen from the BCIT shareholders without penalty. Furthermore, all the extra shares would severely dilute the share structure and cause even further damage to the stock price. This is nothing more then BLACKMAIL by the DTCC. There are no other words to describe it.
+Since we are in a bull run (the big one?) I thought I might share some reflections. I’m seeing a lot of newcomers (welcome!) as well as some sophomore types with questions, ideas, admonitions, and the like. Pull up a chair, I've been around these parts for a while. And if anyone starts in with the "but yr account is only 2 years old" bullshit... come on, use your head.
+
+First off, as Ecclesiastes 1:9 states:
+>What has been will be again,
+
+>  what has been done will be done again;
+
+> there is nothing new under the sun.
+
+
+Over the last 7 years I have seen all these questions about what to do, these statements of selling, and others commenting how stupid and ignorant anyone who sells “right now” must be. People have called me a fucking moron for daring to part with some of my bitcoin, or argued with me that I don’t understand what I did. They are sad people (jealous? myopic? entitled? I still don’t know what they are trying to prove.) 
+
+
+Secondly: I’m certain a number of you will not believe my story. That is your right. I will not provide tx-id’s or any other form of proof. I just ask that you look at my post history and ponder – either this guy made up a story several years ago and stuck to it, posting every so often between /r/bitcoin and /r/financialindependence for magic internet points or maybe he is telling the truth. Seriously; if you doubt my story look at the post history and see if that helps, if not… so be it.
+
+If you care about the deeper parts of my story, and the lively debates/admonitions/disbelievers check out my previous posts:
+
+[Short basics](https://www.reddit.com/r/Bitcoin/comments/bpxgyq/since_shit_is_cray_again_in_btc_land_i_sold/)
+
+[More details / 1 year retired reflections](https://www.reddit.com/r/financialindependence/comments/b2bfko/fire_1_year_in_a_few_reflections/)
+
+[2yr retired reflections]( https://www.reddit.com/r/financialindependence/comments/etgc2q/fire_2_years_in_a_few_more_reflections/)
+
+[Selling, Taxes, Coinbase]( https://www.reddit.com/r/Bitcoin/comments/fxho4v/stop_the_bullshit_if_you_sell_your_btc_on/)
+
+
+
+
+**The story** 
+
+I got into bitcoin back in 2013 or so, reading about it and really going down the rabbit hole. I am a scientist, and it is my nature to go deep on things of interest. One thing I learned in my graduate studies was “how to learn” (how to research). For you whippersnappers – that means more than Google and YouTube. So I learned, I read, I watched interviews, I set up a node, I mined shitcoins to understand how that worked (and traded them for bitcoin in the end.) Nobody I knew was into bitcoin, and nobody would listen to me about it. I tried to get my brother interested. I tried to get a tech friend interested. Both of them agreed it was “interesting” but not enough to acquire any bitcoin (this was around the time of bitcoin being just under $1k, before it dropped for several years post MtGox meltdown). So I carried on alone, with just the interwebs to console me.
+
+In 2017 when bitcoin hit $4,000 or so, I sold 40 - enough to pay off my mortgage and cover my original costs to acquire all my holdings (avg sale price $4320). If bitcoin ate shit and died, I had a good ride, and had a paid off house to boot. I think it was a week or two later that it was $8,000. Then soon after it almost hit $20k and started dropping. I didn’t panic, but I woke up in mid-December and my brain screamed “don’t be greedy” to me. I listened to my brain and sold 60 BTC at around $15.6k each. Additionally, as I had my coins on Coinbase, when they opened trading for BCH in late December I dumped them within the first hour for around $3550 each. When all was said and done I had made somewhere near 1.5M USD. 
+
+
+If you have questions about how much I paid in taxes, how I moved the money, if my bank gave a shit (spoiler: they did not) etc. it’s covered in [this post]( https://www.reddit.com/r/Bitcoin/comments/fxho4v/stop_the_bullshit_if_you_sell_your_btc_on/) with details asked in the comments. You also get to see people tell me I am wrong, so there’s that fun as well. 
+
+
+I kept the rest of my BTC, and watched the price shrink down over the next couple years. I wondered if I had made a mistake by not cashing out, missed my “big chance for maxxx profits” or whatever, but it didn’t really matter that much because a few months after I made the initial money and paid my taxes, **I fucking retired**. Yes, as of almost 3 years ago, I retired. It wasn’t only because of the bitcoin – I had saved money, had a 401k, and an IRA. I was on my way to a modest retirement somewhere in my 50’s or so if I wanted it, but then BOOM, I had a huge nest egg, a paid off house, other savings, and additional bitcoin for the future. Cool. kthxbye work world!
+
+
+I have spent the last 3 years leisurely pursuing my own things like art and music, woodworking, collage, gardening along with sleeping in and lots of meditation and porch dwelling. There have been several small tragedies in my life since then (parents in poor health, for one) and so I have been able to tend to that more so than I could if I was working. Being retired has given me so many options and so much control over my life. I love it.
+
+
+Some of you might be thinking something along the lines of - Now here we are…bitcoin is worth $40k so roughly speaking this guy (me) “lost out” so far on about 2.4M after taxes. There’s also the fact that if I had kept working these last 3 years I would have additional income/savings that I could have invested so let’s round up to 3M after taxes, assuming I sold the 100 BTC now and the BCH immediately (I’m not a fan, and actually am surprised it didn’t die). How do I feel about losing out on $3M (and counting)? Honestly, not particularly bad.
+
+Here’s the deal – when you get to a certain point in your net worth, where you can cover your costs for your lifestyle and more (and this number is different for everyone, for me I’m really chill, so no lambo interests) the money sort of converts itself into a score like on a video game. I can look back and think “oh man, 3 million fucking dollars more! Oh shit!” but do I lose sleep over it? No. Do I kick myself? Not really. My score is lower than it could have been… but in return, I got to help a friend die peacefully, I helped another friend pivot his business, I moved to a new city and bought a cool house (still own the old one as a rental, but maybe not for much longer), and I get to wake up every day and do exactly what I want to do (minus covid issues). It’s really nice to be out of the rat race. It suits me well. I know now that I could have made more - but at the time I had no clue, and there is something to be said for the comfort of the sure thing. 
+
+
+My base take is this – we only have so much time on this planet, and I’d like to maximize my control (vs. my wealth) as much as possible. It would be hard to imagine reliving the last 3 years with a full time job, and I don’t care to dwell on what might have been. I hit my retirement number (1.5x my number + remaining BTC) and GTFO of the system. That money has grown in the funds I put it into, and I never touch principle. My remaining bitcoin became and remain gravy and I plan on hodling until it doesn’t make sense anymore. My advice to all of you is to do your research, know your game plan for selling (I didn’t really have a solid one, honestly), be excellent to each other, and live that life. Ignore the noise – from nosy people in internet forums, from grouchy jealous jerkoffs, etc. This is your deal. 
+
+I’m happy to answer any questions. Hope you found this interesting.
+We have made a lot of financial mistakes in the past, but I have us on the right track now. My husband and I are in our 40’s. He has no savings; I have about $80,000 in my 401k. Is FIRE at all attainable when we have 2 kids (one heading to college which we will help with and on starting high school) and make around $100,000 between the 2 of us? All the other posts seem to be from people much younger than us. I am 41 and he is 46 and it seems like this is the retirement age goal for most people on here.
+
+Update: Just found out that the son heading into college received a grant so now the cost of college will nearly be covered! This is a huge relief.
+So a bit of background, I've been working as a casual for 15 months at my current job, they've offered me full time which I've accepted (haven't signed any contracts yet though), but shortly after I accepted I got a job offer that pays significantly more that I'm definitely going to take. So my question is how do I go about telling my current employer so as to not burn any bridges.
+Almost every time I see a post for someone requesting a way to earn some extra money to cover some bills there are a half dozen people suggesting that they sign up for Amazon Mechanical Turk and they can earn a couple hundred a month.
+
+This is completely untrue and people that never tried this website need to stop suggesting it. It is an utter waste of someone's time. 
+
+A few years ago i found myself at home unable to find work and unable to get out and look for work in a brick and mortar setting. It was due to health problems with a family member and I was pretty desperate to earn some money.
+
+I will tell you what things have gone back to this and right now I am going through the same thing and when I see people suggest Mechanical Turk i can only believe they never tried it.
+
+
+First of all you have to understand that much of the work in the Hits they give you is not really related to honest work. Much of it is psychological profiling and testing and as you will see some of it is not even available to you because they are targeting very specific groups. More so you will find that the hits that are available often pay about 10 cents US or less and take you 15 minutes or so to perform. Many are looking at someone's website to find mistakes, some are looking at images and sorting them and others are just so random you can't really understand why anyone wants this stuff done.. but heck if you can fork out $5 and have 500 of these things going does it matter?
+
+
+So my experience is very poor with MTurk
+
+I do understand though that some people .. very very few people that to private work through MTurk do get paid a bit more. You have to be pre-approved to do this work. Its not open to everyone and the few hits of this type that I was approved for to do some writing were unjustifiably difficult to get paid for.
+
+
+My earnings back a couple years
+
+http://i.imgur.com/UEhEW9m.png
+
+
+Examples of Hits you can earn.. look how little they pay 
+
+3 cents for 20 minutes
+
+1 cent for 5 minutes
+
+http://i.imgur.com/AoeIDOn.png
+
+
+Highest Paid Hits are very unique .. and they are asking you to do stuff thats not quite on the up and up.. asking you to look for movies and use your internet account .. be on a specific cable provider.. then show them a screenshot of the movie.. wth
+
+you just can not earn money on Mechanical Turk
+
+how are you going to spend 10 minutes earning 3 cents? 
+
+this is worse than what they pay people in India.. these hits are probably indian companies hiring american workers that they put out of work to do their jobs for pennies...
+
+I mean really .. more than happy to make money helping companies this way but its got to pay more than 10 cents an hour...
+
+http://i.imgur.com/HgZz0u7.png
+
+The highest paid hits are transcriptions of 2 hour movies.. wow thats a ton of work for $35
+
+by the second page all of the hits that are sorted high to low are down in the sub $1 area and taking an hour or much longer... 
+
+example one is.. post 10 videos of yourself.. we will pay you 75cents... ok but then you also have a high probability of having these hits rejected. or reused in ways you don't want to think about.. 
+
+from my experience Mechanical Turk is not a honest place to earn any amount of extra cash.. sure you might make something and I did after months I made like $20 but it is such an utter waste of your time.. you would be better off just sleeping or cleaning your home or anything more productive than trying to earn money on this site.
+
+that is my experience and i really wish it wasn't.
+
+PLEASE STOP SUGGESTING THIS SITE FOR PEOPLE IN FINANCIAL NEED.. YOU CAN NOT EARN ANYTHING SUBSTANTIAL FROM IT.....
+
+You would be better off putting up a Blog about your dog and throwing Adsense ads on it... honestly
+First ever post, I created an account after lurking for a year to share.
+
+I know that everyone enjoys good charts. [HERE](https://imgur.com/a/oBw9iy6) I included my salary progression specifically so that people can get a more accurate idea as to software salary growth rather than thinking that everyone starts at $100k/yr.
+
+**Obligatory Origin Story:**
+
+My financial journey started in my early 20s when I realized that I wanted to RE. I was married with a single child. As a college dropout I had limited job opportunities. My work (call center) was demanding with long hours and very limited upward mobility. I made $24k/yr after overtime.
+
+I missed my kid's milestones, missed holidays, and it was difficult to even take cheap vacations with my friends/family due to work. I decided that this 'working' thing was clearly a fools game. I looked into it and played with online calculators. They showed me that I was going to be working forever. According to conventional wisdom I would need 1-2 million to retire at 70.
+
+I grew up poor and ended up very risk averse with money. This prevented me from making several very bad decisions. I refused to go into debt without a clear plan to get myself out of it. I had refused to do student loans, I had no credit card debt, and I had a paid off car.
+
+*… fast forward nearly a decade*
+
+I worked my way up the call center ($40k/yr). I bought a house near work. I worked full time and went to school full time. I used work's tuition reimbursement to return to college and paid what I could out of pocket. I applied for and received several small scholarships and financial aid. Eventually I graduated college with minimal (20k\~) student loan debt.
+
+I also got divorced.
+
+*Life Tip: Communication naturally breaks down sometimes. Repair it if you can before its too late.*
+
+I ended up with a master's degree, a software engineering job making $60k/yr and (after a few years of spousal support and debt payments) a nearly blank slate in my 30s.
+
+I also by this point had found MMM and learned a lot about personal finance.
+
+**The Goal Line:**
+
+Since I lived on $24k/yr previously, I decided that $600k invested plus a paid off residence was the finish line.
+
+I am not horribly worried about a crap market immediately after I retire. My skills are in high demand and "I took a couple years to write a novel and take care of my kids" would not cause me (as a hirer of engineers) to bat an eye. I am hopeful that by the time my skills are too rusty to have an easy return, my nest egg will have grown enough that sequence of return risk will be minimal.
+
+Furthermore I love the idea of taking jobs for periods of time where I am not tied in. Six months working at bakery. Teaching a few semesters at a local college. Something on my feet to keep me from getting lazy around the holidays.
+
+**Accumulation Phase:**
+
+I took the simple path to wealth. I skipped real estate. I avoided side hustles. I didn't start a business or get equity in anything. I worked at a normal W2 job. I got slightly better than average raises and switched employers twice. I never FAANG'd, but my income was and is fantastic for a MCOL location.
+
+I lived on less than I earned and I invested the difference. I maxed my 401k yearly. I maxed my Roth IRA as long as I could. When I had the surplus, I started a brokerage account at Vanguard. Nearly 100% of my money is in index funds.
+
+I remarried and had more children.
+
+My wife is \*not\* a FIRE advocate, but she makes as much as I do, saves more, and has more in assets as well. She could FIRE tomorrow if she so desired. I say all of that to say the important disclaimer: our finances are separate. Her money is hers and is not counted at all in my retirement plans. We share a mortgage, joint accounts for vacations and bills, etc. But the majority of our pay goes to individual accounts and does not comingle.
+
+**Crossing the line:**
+
+Adjusting for inflation from my original 600k number, the finish line was \~$670k. The stock market has been insane over the past couple of years and my savings rate is 70% on a six figure salary. I'm at \~$800k invested.
+
+I didn't stroll over the finish line, I leapt over it. I expected to feel exhilaration. Accomplishment. Balloons and cake and fireworks. Instead it all feels wrong.
+
+I thought that when I retired I would have a community/tribe of like minded people. I thought I would have people to call up for a midweek "cocktail and laugh at the rat race". Despite being very social I have been generally unsuccessful at spreading the gospel of FIRE. COVID and a young family has also prevented any real networking.
+
+My mother is in her 60s. I help her with her taxes and recently her budget. She was just forced to move from her rented home of 20 years because the owner is selling. A frank discussion found that she has no savings to speak of, no retirement savings at all, no home equity. Whenever she loses her current job, she is likely to be forced into retirement. Social Security will replace half her income at best and renting in this market is costing her double what she was previously paying. Can I truly quit my cushy job and enjoy my time knowing that she may need financial assistance in the very near future that I would not be able to provide?
+
+Having children has been fantastic but COVID has shown me that I am not going to be happy and fulfilled doing 100% of the childcare. I took months off work when our daycare closed and I treasure that time. But daycare is required for my mental health. I didn't budget at all for daycare post FIRE (which is currently 40k/yr).
+
+We don't fully own our home. We are prepaying a portion of the mortgage per year, so I am \~40k off having that paid off. The kids 529 accounts are not where we would like them. I planned on filling them slowly over the next few years.
+
+MMM and livingafi are my two favorite bloggers in the FIRE community. Both of them got divorced post-retirement. I don't like to think about it, but being honest it would be foolish to \*not\* plan for it at least a little bit. My wife and I have a house together. If we split the value, I could not then purchase a home and keep my budget. Additionally, I am accustomed to the economic benefits of splitting bills and would be shocked to pay a whole electric bill.
+
+My original plan didn't adequately account for healthcare. In my ignorance I thought that I would be able to get healthcare for mere hundreds a month. My wife has no intention to retire and her insurance is adequate for our needs. But relying on her further exacerbates the problems that could occur with a divorce. Or even if she comes around to the idea of FIRE.
+
+My wife has concerns that if lifestyle inflates further ("Why don't we vacation in Spain for the holidays?") that she will be forced to pay for me/children and significant conflicts will occur in our relationship. What happens when teenagers start eating us out of house and home? What happens when they join sports or need braces?
+
+Further down that line of reasoning, my wife is concerned with the concept of getting off the treadmill and being unable to get back on. "What happens when your budget is wrong?" Its easy now to go back to work, but if 15 years from now we end up with medical problems that require lifelong increased expenses we would have no ability to adjust to it.
+
+**Current day:**
+
+I have decided to not get off the treadmill. I am at the top of my career. I reset the finish line in my spreadsheets to $1million. Another year or three should pay off the house, better fund the 529s, reduce the daycare costs, and give me the ability to pay for insurance with invested money. I don't know how to handle my mothers potential needs but I am better situated employed than not. Be that assisting with a home or simply being a check, I cannot do it if I'm not working or better off.
+
+I've lost my passion for FIRE. I have been excited to hit this finish line for nearly 20 years and now all I see are holes in my parachute and no real ability to predict how much is enough. I don't believe this is the "one more year" syndrome so much as literal problems that need to be resolved prior to jumping.
+
+I'm hoping that I will regain my fire for FIRE if I look at this as a set back that I can overcome once I spit the sand out of my mouth. 
+I love this community and I love my apes. But I hope to god the majority of you are wrong. And I hope you’re willing to admit it if you are. Just chill the fuck out on the posts about what or what not the report’s gonna be. We’re a community built upon DUE DILIGENCE, and that has absolutely been thrown out the window with the announcement of this report. Even what IS known is being completely misconstrued. 
+
+Gensler himself called it a “report” with air quotes in RESPONSE to someone else’s statement. This suggests he feels it’s something bigger than a report. 
+
+I’d like to propose a bot or a reporting function for these extremely redundant posts that happen in these moments and whip the sub into a clogged shitstorm. The entire feed is clogged with THE SAME FUCKING pessimistic posts.
+
+I ask my apes, what do you feel you’re contributing by adding another worthless post to the garbage heap saying the EXACT same thing as 100 before it?
+
+This is genuinely the greatest community I’ve ever been a part of. But it’s extremely disappointing at times like this.
+
+I just love the stock. MOASS is gonna happen, report or not. 
+
+🚀💎🚀💎🚀💎🚀💎🚀💎🚀💎
+Hi everyone, hope your weekend is going well,
+
+Just a gentle reminder of the short interest in our favourite stock.
+
+This is not financial advice, and I am capable of being incorrect, so please call me out at any point so I can edit the post. A few pieces of info here are from previously verifiable DDs from our old subreddit that I can't seem to find, so I will link them as I continue to look for them. Please come to your own conclusions, and remember that we are each our own individual investor, with our only bond being our mutual liking of the stock.
+
+We originally were speculating based on Darkpool share trading data that ~440million shares have been synthetically created and are being used to trade within darkpools. [Estimates around these numbers have appeared in quite a few older DDs.](https://www.reddit.com/r/GME/comments/m7x2gq/dd_i_did_the_math_there_is_literally_no_doubt/)
+
+We used this information (based on the original count of ~50million shares available for public trading) to estimate that SI was over 900%.
+
+THEN YESTERDAY: [According to Gamestop's 14A, there is only 26.7 Million shares available for trading to the public, not including ETFs or institutions under 5% ownership.](https://preview.redd.it/1pqbq8iuzsu61.jpg?width=354&auto=webp&s=0b76796d2033adadffdcaa149f25287e66f6e3ab)
+
+Meaning that based on the pre-existing information of a 440 million share synthetic float, and the NEW information that the public float is supposed to be 26.7 million shares, the short interest is roughly double our original estimates, at ~1800%
+
+And that was based on darkpool data gathered a MONTH ago!
+
+APES HAVE BEEN BUYING THE ENTIRE TIME, AND HEDGIES HAVE NOT STOPPED MANUFACTURING SHARES.
+
+THIS NUMBER IS ABSOLUTELY HIGHER NOW.
+
+[You know how I feel.](https://media.tenor.com/images/c883d2b9b94e0af0ce8e03a57a5f2c0f/tenor.gif)
+
+
+**So lets have a talk about what this could mean for *you* and your tendies.**
+
+* Retail owns the float. There is no doubt about it at this point. Not only has GameStop confirmed it, but DD that has been done for *months now* has come to the same conclusion, and those numbers get higher every single day they don't release the brake on the share price. We are a leviathan, and institutions are trapped in our orbit.
+*  With 26.7 Million shares in the entire publically traded float, the estimates of a 1800% Short interest means that for every real share that exists on God's green Earth, *eighteen synthetic shares* had been manufactured that MUST be bought in order to close the short position. Emphasis on **must be bought.**
+
+
+
+
+
+
+Let's do some guesstimate numbers:
+
+
+Platform | Number of users
+---|---
+WSB | 9,918,741
+GME |274,134
+Superstonk | 226,190
+General public| ????
+
+I'm gonna put this bluntly - *I trust all of you.* Based on the last few months, the buying/selling action of the stock, and the overall sentiment of users within the GME-centric subs, there is a feeling of comradery and mutual trust between us all. The floor of $10,000,000 has been set in stone, and apes are NOT willing to budge. This is excellent, as it gives us all a target floor, and will almost guarantee that nobody sells below this number. I bring this up now, because this is one of two major ingredients needed to reach our goal - tendies. The second, of course, being *owning the float.*
+
+Based on the above numbers (and taking into account one person can be subscribed to multiple subs), based on the WSB numbers ALONE each person would need to own just under **THREE SHARES.** Let's be generous though, and say that half are only there to spectate on loss porn, bumping that number up to 6 shares per person. Now, I don't know what sort of magic 8ball Kenny G is basing his business decisions off of, but allowing people to ***share information over a long period of time whilst dropping the price in an unsuccessful attempt to shake paperhands*** just means that people buy more. And more. And more.
+
+I have been watching the subs since January, and I can safely speculate (please tell me if you have a differing opinion and back it up) that each ape here, at least in this sub, owns on average around 10 shares. This is the average, every-day ape. However, over time this position has grown and grown, and I am seeing people state that they have XXXX shares. Hell, there have been ENTIRE THREADS about people announcing their STAGGERING amounts of shares. Of course this is a minority, but the GROWING MIDDLE CLASS OF APES now seem to own in the high-XX's to mid-XXXs. HOW CAN YOU TELL ME THAT WE DON'T OWN THE FLOAT. This isn't even including the everyman^tm investor that isn't affiliated with Reddit, and maybe bought the stock on a tip of their son/daughter/third cousin twice removed.
+
+To tie this in with the first part, if we (as in our small part of the world here online) OWN THE FLOAT MULTIPLE TIMES OVER, and we have it drilled into our thick skulls that $10,000,000 is the FLOOR, then SUCCESS IS GUARANTEED. Who cares is Joe Everyman sells his four shares at $20K each. Who cares if Blackrock decides to sell their entire position at $8Mil. ITS A BUYING FRENZY, ALL SHORTS MUST COVER, AND WE OWN THE FLOAT.
+
+You will get your tendies.
+
+Hedgies r fuk.
+
+Edit: I'd just like to throw this on the end in a response to the question "If no one is policing them then why would they stop?"
+
+My **guess** is that initially, due to historic shorting strategies on companies and normal market movement, they thought that retail would eventually sell when the price tanks, so they doubled down on the shorts. However due to the Age of Information, retail quickly spread short-squeeze data between each other and held. Hedgies, not knowing what was happening (at this time they didn't know about WSB), doubled down again and again and again, [pushing their share-creating algorithms to 11](https://lh3.googleusercontent.com/proxy/Pewyx0yeAeZx43GFIUw2XKr2dH4lsyYOWgSb_BndAFIKQZ7z0dObiwmN3WyEoAy8SejiQN80pYauNqzdwkkDQABGx-a0iFvLe0PQ5evH1zbGzJs3PzPu2J_PnPA7ar31Uzcar9giSyABj4yM9eLFkS95IHn94I8plN_5yGD6F2r4). Only in the last maybe month or so, when liquidity dried up, can we see that hedgies have abandoned that strategy and have gone full psy-ops on us. However, by this point too many shares already exist, and we have been gobbling them up every day.
+
+It's that magical combination of giving us time to prepare, giving us an incredible pricepoint and the constant stream of good GME news that has got us this far. We have already won the lottery, now we are just determining the payout.
+Hi guys, I've been investing in dividend companies since 2015. Since then I've been putting over half of my salary into these investments. I'm 30 years old, and I work as a marketing manager in a tech startup, where I make about $90k / year.
+
+In September 2015, I made $58.65 in dividends.
+
+In September 2016, I made $208.26
+
+In September 2017, I made $561.74
+
+In September 2018, I made $1176.54
+
+In September 2019, I made $1541.01
+
+(Keep in mind those numbers are just for one month, september, which is a high-dividend month since it's the end of a quarter)
+
+My expected 2020 dividends are: $13,421.85. This means I've hit the $1000/month milestone!
+
+Total portfolio value as of right now: $475,456.55
+
+I totally love dividend growth. My best stock purchases were good companies that had their stock price beaten down. Like T, MMM, ABBV, CVS, MO -- they can give me some very nice principal growth, not just dividend growth. When good companies are on sale, I buy as much as I can! And there's \*always\* something on sale.
+
+My largest holding is T, at about $15,000 -- which is only about 3% of my portfolio, since I like to be very well diversified.
+
+I also have a lot of REITs like O, KIM, SPG. O is kind of expensive now but it's just such a good company. My worse buy is SKT, which is down to $16 now, since I bought it at $24. I'm buying more now that it's lower, since I think it's still a good company.
+
+Not all of my portfolio is dividend-payers -- I also own some tech companies, like OKTA, AMZN, AMD, BABA -- these just get me exposure to possible growth. AMD has been my best buy so far, since I bought it at $12, and it's now $38.
+
+I have over 60 holdings. I accumulated so many because I just really like buying things when they go on sale. And usually that's only a small window of time when good companies are on sale. Then, when the price goes back to normal, I don't buy any more. I just keep the stock, collect divs, and look for other companies on sale. Maybe 60 companies is too many, and I should consolidate some of the more mediocre ones.
+
+I'm happy to be on this dividend journey with you all!
+**Background**
+
+CD PROJEKT S.A. (WSE: CDR) is a Polish video game developer, publisher and distributor based in Warsaw. CD Projekt Red, best known for The Witcher series and the recent release of Cyberpunk 2077.
+
+The CD PROJEKT Group currently conducts operating activities in two key segments: CD PROJEKT RED and GOG.com (originally as Good Old Games).
+
+**Hierarchy**
+
+CD PROJEKT Capital Group is headed by CD PROJEKT S.A. A holding company which has five subsidiaries.
+
+The subsidiaries are:
+
+\- GOG sp. z o.o (Similar to Steam, it is a distributor of games).
+
+\- CD PROJEKT Inc (Where all the game development happens)
+
+\- CD PROJEKT Co. Ltd (Only for selling games in China)
+
+\- Spokko sp. z o.o. (The mobile arm of CD projekt red)
+
+\- CD PROJEKT RED STORE sp. z o.o. (A new store of merchandise launched by the company)
+
+**GOG -** Who have just released a 2.0 version called GOG Galaxy which subsequently entered its beta testing phase. The goal of the application is to enable players to integrate all their game shelves into a single library, to communicate with friends and to track their progress regardless of their preferred gaming platforms. Its functionality will span PC and console platforms, extending beyond the GOG.com user base. It's main selling points are that is uses the cloud, is DRM free and has a ton of old games such as Diablo, Destroy all humans etc on it's platform that Steam doesn't.
+
+Steam is the single biggest distributor of digital games for PC, it's been dominating the market for years and has way more games than GOG does due to this. Especially as a lot of publishers do not want to host their games DRM free which GOG requires. It's very difficult to predict the future of GOG because Steam is a private company so we don't have access to it's numbers.
+
+However the big benefit of GOG is that CD Projekt Red can sell and promote it's games directly through their own platform. The benefit being a much bigger margin on each game sold as 100% of the profit goes to CD Projekt red if a game is sold on GOG, whereas on Steam they take a 20% cut for the first $50m revenue of Cyberpunk. **One third** of all digital PC preorders for Cyberpunk 2077 sales were on GOG which is an incredible achievement by CD Projekt Red considering Steams dominance.
+
+This is probably the reason why CD Projekt Red has such a huge operating margin from 30% to 50% in recent years. They are involved in the entire process of making and selling their games.
+
+***GWENT: The Witcher Card Game*** is the first multiplayer game developed by the CD PROJEKT Group. It has been a hugely successful and highly rated game (which is impressive considering it's their first mobile multiplayer game). The reason why this game is important for the future is because multiplayer is the key to the cash machine which is microtransactions which the card game has.
+
+**Cyberpunk** was released recently and had been in development for many years. It's sold very well but less than analysts expectations and there has been serious problems on console versions which led to sony removing cyberpunk 2077 from it's PS store for the time being. This caused the companies stock to plummet 37% recently.
+
+I'll get into the numbers at the bottom for my reverse DCF that I did.
+
+**Cyberpunk Online** multiplayer will definitely come at some point within the next couple of years. The reason being is that after GTA Onlines unbelievable success and constant revenue generation for Take Two then it makes sense to try and replicate this with Cyberpunk. This multiplayer will feature microtransactions and in my opinion is the way Cd Projekt red can really make the big $$ in the future. Microtransactions for cosmetic items like in game skins or packs (like fifa) are easy to implement and have huge operating margins as they take 0 CAPEX and virtually no time to implement due to being some simple code and designs. Here's a quote taken from their 2019 Annual Report for *Key Sources Of Revenue*:
+
+>■ sales carried out through optional microtransactions in GWENT: The Witcher Card Game (incl. kegs and meteorite dust) via GOG, proprietors of console platforms (PlayStation, Xbox) and App Store (Apple)
+
+**Risks**
+
+There are some huge risks with cd projekt red, here are the main ones:
+
+\- Neither IP, The Wither or Cyberpunk 2077 is owned by CD Projekt since the two series are based on a series of novels and a tabletop RPG respectively. So they would need permission from these license holders (the creators I think) to be able to do other spin offs for them. While it is likely the permission will be given due to the huge successes it's not a certainty.
+
+\- CD Projekt Red relies on a couple of block busters to make 80% of their revenue and earnings. The Witcher 3 and Cyberpunk 2077 are the only revenue generates the company has (apart from GOG). If CD Projekt red messes up either of these huge IP's in the future (or like they just have with the console versions of Cyberpunk) then you can expect a huge and sudden stock price drop and potential damage to the company.
+
+\- Because of the few but huge releases, CD Projekt Red has very volatile earnings and revenue making it very hard to predict, similar to Take Two Interactive. You can see in the following picture how sales drop a lot after release.
+
+**Co-Founders and Board History**
+
+CD PROJEKT has a very long tenure of the management board, all at least 10 years and 3/5 of them 20+ years. Insiders have a significant stake in CD Projekt red's stock, including the joint CEO's. This is great news for shareholders as the insiders have a big incentive to make the company work as they have big stakes in the company.
+
+Company shareholding structure is made up of the following people:
+
+\- **Marcin Iwinski** (Joint CEO & Co-Founder) is **13%**
+
+\- **Michal Kicinski** (Ex Joint CEO & Co-Founder) is **11%**
+
+\- **Piotr Nielubowicz** (VP, CFO) is **6%**
+
+\- **Adam Kicinski** (President & Joint CEO) is **3%**
+
+Incentives for management:
+
+>Management goals are based 80% on net earnings and 20% on SP over the WIG index.
+
+These are poor goals in my opinion. Net earnings can be enhanced by poor acquisitions and stock price is meaningless and should be ignored in incentives as it can produce short term motivations.
+
+Management hit the majority of their goals for year 2019.Their goals going forward:
+
+>Goals for 2020-2025 Aggregate Net Income: 8,300 PLN or 1,660 PLN a year.  
+>  
+>Optimistic goals for 2020-2025 Aggregate Net Income: 10,000 PLN or 2,000 PLN a year.
+
+These goals seem too high in my opinion. Especially after their cyberpunk flop on consoles but it's still possible.
+
+**Competitors**
+
+CD PROJEKT is well known for its biggest sales on The Witcher and Cyberpunk 2077 hype. However, there’s a lot of gaming industries that compete with one another.
+
+Thus comparing its competitors such as Take-Two Interactive, Electronic Arts (EA), Activision Blizzard has more diversified games and games produced more frequently compared to CD PROJEKT RED.
+
+CD Projekt Red's risk in terms of competitors is releasing a big game that clashes with another big game such as GTA 6. However all gaming companies have a good tailwind right now due to COVID restrictions and microtransactions are lifting all gaming companies margins. A rising tide lifts all boats.
+
+**Industry**
+
+>**-** CAGR 2019-2024 Video games and e-sports growth expected to be 7% (source: PWC Global Entertainment & Media Outlook 2020–2024).  
+>  
+>\- In 2019 the strongest strong growth was observed in the mobile and console segments. The former grew by 9.7%, reaching 68.2 billion USD, while the latter grew by 7.3%, reaching 45.3billion USD. The PC market reached a volume of 35.3 billion USD, having increased by 2.8%.The largest share of the global videogame market is currently held by mobile devices (46%), 80% of which are smartphone releases. Gaming consoles come in second at 30%, followed by the PC 24%. Mobile devices are projected to retain their top position, with their corresponding market volume increasing by 11.2% annually (on average) over the next three years. According to estimates, the volume of the global mobile game market will reach 93.6 billion USD by 2022 (it currently stands at 68.2 billion USD).
+
+You can see from the above as to why CD projekt red is branching out to smartphones and China.
+
+**Reverse DCF**
+
+r/StockMarket does not allow images so you will need to view my user to see the reverse DCF /u/krisolch if you want to see it.
+
+**Conclusion**
+
+It's been extremely difficult to project CD Projekt Red and even after doing research I am still very unsure on a bunch of variables. In my opinion the markets assumptions of CD Projekt Red's growth and margins as shown above in the reverse DCF is perfectly acceptable to me. Therefore I would not buy their shares unless they dipped to around 210 zloty\~ as I don't think they are undervalued yet. given the risks.
+
+Please comment if you see anything wrong with my valuation. This was a very difficult one for me.
+
+Thanks
+I’ve been keeping track of volume, Frankfurt and other stocks to find correlations with GME. There has been plenty until last cycle. Something changed back then and we got hammered out of nowhere.
+
+But we have strong correlations again last week and now - and I think it is because of Coinbase and UST.
+
+Go look at UST right now, it’s about to smash in the ground. Terralabs will use their BTC savings to fund LUNA in an effort to stabilize UST but at this rate it seems impossible. Look at LUNA as well, it gets pumped and gets smacked down in the next hour.
+
+They can’t sustain it and we know that several institutes are leveraged in crypto. We know that some institutes will get margin called if BTC gets too low.
+
+This has been said many times but this could be the match that sets the entire economy into a raging fire. If this creates problem for the USDT we might see China burn the dollar reserve to the ground to preserve themself over the market.
+
+I am so excited. Something new is happening and I can’t wait to find out how crazy this will get.
+Hi everyone, I’m really not trying to be rude to anyone who does forex, but I need someone to enlighten me here on Reddit because I’m pretty frustrated. My husband has jumped into this world of forex for the last few months and is absolutely, without a doubt, convinced he will be able to make us riches upon riches doing this—he wants me to make more time for him in the day to study and do trading (I work full-time, we have three kids, and I’m taking classes—it’s a BIG ask). He’s joined a trading community (Abundance?) that teaches about it—he says they teach how the banks make the trades, or something like that, which he says is different from other trading strategies (?). He’s so convinced he thinks money will not be a problem AT ALL. I’ll say something like, “I want to convert our garage into a living area, but that will be a lot of money out of pocket,” and he’ll always respond with something like, “Well once I get started actually doing forex, money won’t even matter and we can get whatever we want built…” or, “Well with forex, if you give me some time, we can buy a bigger house…” etc. it annoys the shit out of me. We have gotten into fights over this, because he thinks it will be the key to our financial strains, but apparently I don’t prioritize it and am therefore killing the opportunity for us to live free of financial stress. It feels stupid to me. I love my husband and I think he’s amazing overall, he’s definitely not a bum and does everything around the house and is super handy, but when it comes to forex he sounds like he’s living in some kind of pipe dream. I make a $60k salary and he is a stay-at-home dad, which is great and works for our little family, and realistically I imagine him making a couple hundred dollars extra with whatever he’s planning on doing with forex. But every time we talk about him potentially getting a job should I lose my own job, he says he will just go full-time with forex trading instead of getting a hourly or salaried job because he thinks it makes bank, and it drives me nuts because we have three kids and a mortgage to pay off and I am NOT convinced that this forex thing will pay as much as he thinks. He swears we will be rich off this thing and that everyone who does it is doing it wrong because “they’re not doing what the banks are doing.” 
+
+Can someone please give it to me straight? Am I wrong? How much actual money are you guys making and how long does it take? Is it worth it for me to make actual time for him to do forex? Is my husband right or is this all bullshit? Did you quit your day job for this or is it a side hustle? Is it worth it? Anything else I need to know? TELL ME ALL THINGS.
+
+TLDR; Husband thinks forex will make us rich and wants me to give him more time to devote to it. I think it’s bullshit and a waste of time. Convince me otherwise.
+
+EDIT: Thank you all for your feedback! I really can’t respond to everyone, but I’m going to try to be more supportive of my husband who is just trying to find a way to make us extra money. From your responses, it looks like a gifted person can actually make some decent income after a few years of practice, but the idea of “get rich quick” needs to go. He has a good heart about it and I know he loves us. I know this won’t go away so I’m going to do my best and hope that he succeeds. Our plan is: he’ll be studying forex 7am-9am and working with small accounts with limited $$ until he makes consistent profit. He’s also said he will try to keep the “when I become filthy rich off forex talk” at a minimum so it won’t trigger me and he won’t blow all of our savings either. He is convinced you redditors have no idea what you’re talking about as far as “follow what the banks do” being scammy garbage though :-) Thanks again for your input and advice. I’ll post again in a year to let you know how it goes.
+So I like the company, but don't own it, and cannot figure out how to at the price.  Even assuming they become the number 1 car company in the world.  Their current Market Cap is greater than the COMBINED market cap of Daimler, BMW, Fiat-Chrysler, Honda, Nissan, Ford and GM.  You can say whatever you want about the markets assuming the future.  You are assuming a future where Tesla makes half the world's cars.  Or one where a barely profitable company becomes 10x more profitable than any other car company...
+Ever since S3 said "GME goes parabolic at $30" and the Ortex data came up showing 100M plus shares borrowed, the denizens of SuperStonk (and myself) have said they were setting up a rug pull.
+
+The price action this morning proves it. Others have said it would happen, and I did [too](https://www.reddit.com/r/Superstonk/comments/yfrnjt/gme_primed_for_liftoff/iu6h996/).
+
+To the T did we predict what would happen! 
+
+I see this as an absolute win! We have figured out their game now and it no longer works. Long have we distrusted S3 and other outlets and the moment they started saying positive things about GME we knew something was up.
+
+My theory: swaps were coming. Execution was going to drive the price up. Whoever was behind it got Ortex to make an account an try to get ahead of the borrowed shares that were going to be visible. 
+
+They then got S3 to hype a run past a price point they KNEW was going to be reached. They KNEW they were going to need to short it after to keep it down and that's where Ortex BS about the share borrow figures being wrong comes in. They thought that if Ortex came out and tried to explain it away, we would take that bait and they could short it again and write it off as FOMO paper hands leaving after taking their gains. NOPE.
+
+We knew better. And I applaud us for predicting exactly what was going to Fucking happen.
+
+As always fellow investors ... Buy, Hold and DRS. That's all we need now. Their games, their BS, their lies, it's all just the desperate wriggling of a worm on a hook ...
+
+Edit: removed the mention of the article since that's been debunked.
+Story time: My husband and I purchased our first home and day 1 set up auto-pay for the mortgage. We checked on the mortgage account 10 days after and it said "payment posted" on our borrower's portal so we thought it was all good. Then, come the end of the month we went to check our bank account and noticed the money had not been withdrawn. Called the mortgage company and they said the payment actually had not gone through so it was now late. They had not contacted or notified us that the payment had not gone through. 
+
+
+After a bit of headache we were able to correct the error. With 1 missed payment on the credit report my FICO went from 800 to 690. I asked if they would remove it from our credit report since, if they had notified us, we would have been able to fix the problem sooner and make the payment on time. They agreed and we just had to fill out a "credit dispute" form which took 5 minutes.  Checked this morning and credit score is back up to 812. 
+
+
+TLDR; It is worth it to ask if unfair/incorrect information can be removed from your credit score, even if you have to do a little paperwork.
+So I never invested my money before. I have over 100k in my bank account plus some small amounts in crypto. Recently found out that on a couple of months dutch banks are gonna charge me a 0.5 percent interest over money I keep over 100k. I dont know how they are gonna charge but they start this July.
+
+I am slowly investing my money in etfs but it will be a while before I am below 100k because I also work a job. I dont want to blindly dump everything over 100k in an etf because I think dca is better.
+
+Another thing is I want to move to the us or uk in the coming months.
+
+One option is to just open a second bank account and transfer half of my money there. I wouod be paying like 25-30 euros per year in fees. If I move to another country I have two bank accounts to deal with. They also charge like 20 euros for closing the account.
+
+Secons option is to try and make it work with one account. Invest everything over 100k and try and keep my bank account below 100k. This has the disadvantage that I lump sum invest in etfs. I usually like to keep money in hand so I can invest. But the plus side is I have only one bank account and no need to pay fees on second bank account.
+So I never invested my money before. I have over 100k in my bank account plus some small amounts in crypto. Recently found out that on a couple of months dutch banks are gonna charge me a 0.5 percent interest over money I keep over 100k. I dont know how they are gonna charge but they start this July.
+
+I am slowly investing my money in etfs but it will be a while before I am below 100k because I also work a job. I dont want to blindly dump everything over 100k in an etf because I think dca is better.
+
+Another thing is I want to move to the us or uk in the coming months.
+
+One option is to just open a second bank account and transfer half of my money there. I wouod be paying like 25-30 euros per year in fees. If I move to another country I have two bank accounts to deal with. They also charge like 20 euros for closing the account.
+
+Secons option is to try and make it work with one account. Invest everything over 100k and try and keep my bank account below 100k. This has the disadvantage that I lump sum invest in etfs. I usually like to keep money in hand so I can invest. But the plus side is I have only one bank account and no need to pay fees on second bank account.
+Ryan Cohen just left another breadcrumb with his latest tweet about the High Speed Rail Networks in China, but that's just like, my opinion, man. 
+
+As a curios person when I saw Ryan's tweet about the HSR in China I was ready to  go research it on Wikipedia and fall into the rabbit hole. The first thing I noticed was the abbreviation... HSR... Out of curiosity I wanted to see if maybe there were any points I can connect to stonks in general .
+
+[https://en.wikipedia.org/wiki/High-speed\_rail\_in\_China](https://en.wikipedia.org/wiki/High-speed_rail_in_China)
+
+That led me to the  Hart-Scott-Rodino (HSR) Antitrust Improvements Act of 1976 
+
+[https://www.ftc.gov/enforcement/premerger-notification-program](https://www.ftc.gov/enforcement/premerger-notification-program)
+
+This Act requires companies to file premerger notifications with the Federal Trade Commission and the Antitrust Division of the Justice Department for certain acquisitions. The Act establishes waiting periods that must elapse before such acquisitions may be consummated and authorizes the enforcement agencies to stay those periods until the companies provide certain additional information about the likelihood that the proposed transaction would substantially lessen competition in violation of Section 7 of the Clayton Act. 
+
+​
+
+I think Ryan is letting us know that he filed a merger or acquisition order recently. It takes on average 30 days for the filings to clear and able to be announced.
+
+​
+
+No dates or anything but an announcement is most likely coming soon.
+
+Not financial advice. Buy, Hodl, DRS. 
+
+TA;DR: Train go fast. Same abbreviation as merger act. 2 become 1. Moon soon.
+No mistaking it, Warren's slow boat out of China continues sailing:
+
+​
+
+[https://money.usnews.com/investing/news/articles/2022-11-11/berkshire-hathaway-sells-145-million-of-shares-in-chinas-byd-filing-shows](https://money.usnews.com/investing/news/articles/2022-11-11/berkshire-hathaway-sells-145-million-of-shares-in-chinas-byd-filing-shows)
+
+​
+
+By Reuters
+
+Nov. 11, 2022, at 4:17 a.m.
+
+​
+
+HONG KONG (Reuters) - Berkshire Hathaway, the investment company owned by Warren Buffett, has sold 5.78 million Hong Kong-listed shares of electric vehicle maker BYD for HK$1.14 billion ($145.38 million), a stock exchange filing showed.
+
+​
+
+The sale lowered Berkshire's holdings in BYD's total issued H-shares to 16.62% on Nov. 8, down from 17.15%, Friday's filing to the Hong Kong Stock Exchange showed.
+
+​
+
+Last week Berkshire Hathaway sold H-shares worth HK$560 million.
+
+​
+
+($1 = 7.8414 Hong Kong dollars)
+
+​
+
+(Reporting by Twinnie Siu; Editing by David Goodman)
+Ive seen the tastytrade videos. I know what it says. Yet I dont see it. 
+
+I've been selling weeklies and yes its stressful but I can just keep rolling out to the next week if the position gets tested. How can a monthly make more than a weekly that expires and gets 100% of the premium? Though, I can see the potential in that a monthly gets you more premium so it uses less collateral so you can have more contracts open.
+I've been researching and buying coins for about 5 months now. I keep hearing about Quark; but usually in the same sentence, there is a death knell warning attached. Particularly from the Maxcoin folks (although actually I would never touch Max after watching the botched launch).
+
+I just went to the /r/QuarkCoin sub for the first time and was amazed at the fundamentals, logic and science, and user base.
+
+So why all the hate? What's wrong with Quark? Should I stay away? And if so, why?
+
+tl;dr: really looking to diversify in another coin, so what do you think about Quark right now?
+I'm freaking out crying! I can't pay this. I'm a grad student that lives paycheck to paycheck. I have student health insurance that's year-round. My school has a rule that if you get a referral from the school's health center, then Specialty office visits at my school's hospital are covered. I didn't know about this so I just made an appointment with my school's hospital's Urologist and went in for a 1-year follow-up. It wasn't my first time going, I've gone numerous times in the past. I guess in the past, my visits were covered because my original referral was 1 year long. 
+
+This time, I actually still did pay $25 in the office because I told the office workers that I had student health insurance, and that's the copay for it.
+
+This past weekend, I got this "Explanation of Benefits" in the mail and it says THIS IS NOT A BILL, but "It is your responsibility to pay: $1008.00". I think I actually have to pay it to someone, right? To the Urology office at my school's hospital?
+
+I signed into Anthem and it also says I have a $1008.00 denied claim.
+
+**What is my next step?** I think I need to submit an appeal to Anthem Blue Cross. Are there any techniques or strategies to get them to accept it? Like, things to say. Or things not to say. I literally cannot pay it. I forgot to get a referral from school. But that sounds so dumb.
+
+I also emailed my school's health insurance office with similar questions. I'm so scared.
+
+Is there a way for me to pay this off slowly over time? Or to apply for some sort of funding or charity? I need all the help I can get.
+
+Thank you very much for your time.
+Hey all.
+
+This week I got an email from Virgin Media telling me my broadband package was increasing in price by 10%.
+
+Quick check online and found my package listed at 40% under what they were trying to increase my price to.
+
+Found their head of complaints email address, Daniel.potts@virginmedia.co.uk, quick polite email and less than an hour later I received a call from their exec office.
+
+5 minute call and I'm now paying less that their new customer prices seen online.
+
+Saved myself £210 over the next 18 months now.
+
+*edit*
+
+Adding the email I sent so anyone can use it;
+
+Name: 
+
+Contract Number: 
+
+Account Number: 
+
+Area Ref: 
+
+Contact Number: 
+
+Contact email:
+
+Address: 
+
+
+
+Dear Virgin Media
+
+
+I've been a customer of yours since 1 June 2020. 
+
+
+I was initially paying £29.99/month for M100 Fibre Broadband and 100+Tv channels. Come May 2021 I was informed the price would increase to £59/month. After speaking to your retention staff we agreed a price of £38/month for the same package until 15 November 2022.
+
+
+On 5 January 2022 I received an email stating my price would increase by £4/month from 1 March 2022.
+
+
+Looking online I see that our package is still available at £29.99/month yet I'm expected to pay £42/month?
+
+
+I understand price rises in line with inflation and Virgin Media measure this using the Retail Price Index however I cannot understand our price increase from £38 to £42 which equals a10.53% increase. RPI this year is currently predicted at 4.2%.
+
+
+The difference in price for other customers paying £29.99/month and us paying £42/month is a difference of 40.05%. How can you justify this increase?
+
+
+As resolution to this price hike my preferred expectation would be that I'm offered the same price as other customers of £29.99/month for the duration of this contract.
+
+If that can't be done then I'd settle for my price to remain the same at £38/month.
+
+
+If this also can't be done then I'll have no option but to end our agreement. There are plenty of alternatives these days and with the introduction of 5G to our area we no longer have to rely on traditional lines.
+
+
+I hope to hear back soon,
+
+
+Thank you.
+
+
+
+***they offered me my package at £29/month
+Hi everyone, I am building up my dividend stock portfolio, I will start with around $1K and add somewhere around $100-200 every month. I have a list of stocks that I will buy in the upcoming months and I was wondering what would you add or remove from this list?
+
+* IBM (4.56%)
+* Coca-Cola (3.06%)
+* McDonald's (2.21%)
+* MMM (2.91%)
+* Altria Group Inc (6.92%)
+* P&G (2.37%)
+* Visa (0.56%)
+
+This portfolio currently averages a 3.48% yield annually and provides $55 annually with $1,600 invested. I think this is a pretty good yield. I wanted to merge the dividend kings, and growth stocks altogether but I was wondering if this could be a good portfolio. What do you think?
+Hi All, As the title says, I have not lodged a tax return since around 2008. I have been with the same employer since 2000, and pay taxes via my salary. I stopped doing my returns around 2007 when my return would barely cover the Tax Agent fees... I thought to myself that it was not worth the hassle to only get $100 or so back.
+
+I've never had the ATO reach out to me, but I think that I need to do the responsible thing and get this black cloud off me. I know that I might have pissed away any potential returns, which is very silly.
+
+How much trouble am I in, and what is the best way to tackle this issue? One return at a time through online lodgement, or paying heaps in fees to a Tax Agent? Should my first call be to the ATO itself?
+
+Please be gentle, I am pretty stressed about it. TIA.
+ **You taught me the power of complaining.**
+
+Long story short, got a mortgage with Bank of Melbourne just over 12 months ago. 
+
+As a result of being the only bank that would lend to me for the amount I wanted, I was given a chunky interest rate of 5.14% (investment loan, interest only).
+
+After deciding I wanted to move to principal and interest, I decided to look around, only for me to realise that while I knew I was on a pretty piss-poor rate, it was significantly worse than what I thought it would be. So what did I do?
+
+**I went to my local branch and asked for a better rate.** *They came back and told me that ‘they fought as hard as they could’, but the best they could do was 5.02%.*
+
+**I went to a mortgage broker.** *They told me that no bank would take on my loan in my current position - according to ABC, I fit the definition of a ‘mortgage prisoner’.*
+
+**So then I called the bank up myself.** 
+
+Knowing the reality was that I couldn’t refinance anywhere, I still told them that I was aware of significantly better deals elsewhere. ME Bank at 4.19% was the most attractive (even though I knew I would never actually meet the requirements of this rate if I applied).
+
+**They IMMEDIATELY offered me 4.73%**, *to which I said I’d think about it.* 
+
+**Less than 24 hours later they call me back offering 4.28%.**
+
+This isn’t the greatest rate in the world, but in my position (HECs debt, low salary, parent guarantor), it's far better than anything else out there. More importantly, being able to reduce it so significantly has given me a huge sense of relief. I finally feel like things are under control and I'm being as smart as possible with my money in my position.
+
+So thank you for the users here last week who told me to call up and complain myself.
+
+It’s a valuable lesson that I won’t forget.
+
+If you’re in a similar position, don’t underestimate how much you can get done yourself by being vocal about your dissatisfaction. 
+I just sold some company shares, and have a large amount of USD that was just deposited into my account. 
+
+I want to convert it to CAD, but I'm not a fan of the exchange rate my bank is providing.
+
+Has anyone had success negotiating a currency conversion rate?
+
+UPDATE: I fucked up and went through my bank. Could've saved the better part of a grand transferring the money elsewhere, even with their preferred rate. Oof.
+Your markets are run by bots. Now your /r/Asx_bets daily threads are too.
+
+Read the [wiki](https://www.reddit.com/r/asx_bets/wiki/index/) people[.](https://styles.redditmedia.com/t5_2hqqj5/styles/communityIcon_41pmnaqp4zn41.png?width=256&s=59bf38425fb316fdcba30365b272a5f19352f370)
+
+[Posts relating to the "Is /r/ASX\_bets about finance or effect your mental health?" etc will lead to a ban of the mods chosing. You have been warned.](https://www.reddit.com/r/ASX_Bets/comments/l0l9et/the_does_asx_bets_effect_your_finances_emotions/?utm_medium=android_app&utm_source=share) Last ban length: 1,048,576 days
+
+Automoderator may provide "Guidance" for Lazy and zero effort posting.
+
+[We have an active official/unofficial discord. It's open to all discussions, stonks related and non-stonks related.](https://discord.gg/2sQBNuM)
+Your markets are run by bots. Now your daily threads are too.
+
+[We have an active official/unofficial discord. It's open to all discussions, stonks related and non-stonks related.](http://discord.gg/2sQBNuM)
+
+Posts relating to the "Is /r/ASX_bets about finance or effect your mental health?" etc will lead to a 1 day ban.
+Hello,
+
+I spent the entire summer between NYC and The Hamptons. A vast majority of people I met and became friends with were from money. Some of the people I met I later found out were from billionaire families, political families, real estate moguls, etc.
+
+Money came up a few times with these people and they all said in a round about way that their family was always focused on either creating A) Legacy B) Impact C) Generational Wealth for future generations to enjoy life
+
+Are any of you motivated by legacy or creating wealth to pass down? If so, why? If you are or are not, why so?
+
+It seems that the biggest driving factor in the most highly successful and wealthy people I meet is building legacy and impact.
+I understand the general idea behind resistance and support. But what is actually considered breaking it?
+
+I’ve seen cases where say the resistance is at $100 and then we go up to 100.03, then it reverses and comes right back down and sells off.
+
+I’ve also seen where it drops below the support and then bounce right back up. 
+
+So at what point is it truly breaking that resistance and support? Does that need to be at 100.5 or 100.3 or 100.01 assuming resistance is 100?
+
+Same thing with support. If support is 100, is 99.99 breaking it? Or 99.98 or .99.50?
+Buckle up for the following TA…
+
+There are about 67M shares remaining in the free float. With just over 200k registered share holders, that is only 335 shares each remaining. In the grand scheme of things this is incredibly small. Needless to say, the end is nigh. 
+
+TLDR: Hedgies are incredibly fucked and sooner than you may think.
+I am shaking y’all. 
+
+Aug 2018 - Nov 2020, I was making $30,000.
+
+In Dec 2020, I increased my salary by 60%.
+
+Now, I just received a job offer that increases my salary by 112%.
+
+I am shaking. I can’t believe it. I’m so afraid of celebrating because I have anxiety that the new job will fall through or something.
+
+I grew up poor. My parents are immigrants who worked flea markets and video shops. I sold cans and plastic bottles for extra pocket money growing up. I would have never imagined that I could make a 6-figure salary in my life. 
+
+I know people say to budget well, especially since more money means more expenses. I am all over the place right now but I wanted to share the good news.
+
+EDIT ————-
+
+Thank you everyone for your incredibly kind words and great insight. A lot of what you’re saying (investing, budgeting) is new to me, so I’ll take the time to do more research and be smart with my finances. Truly appreciate everyone’s congratulations. I won’t forget my roots! I want to save good money to do something really special for my parents in the future.
+
+I’ve been getting some chats and questions, so I am more than happy to chat further! My remaining 2 weeks begins now, so I have some good time to talk more about my career path if anyone is interested. Cheers!
+Hey guys, throwaway account here. So I just recently found out from my mother that she had been sending over money via wire transfers over the past 5 months to a person who is supposedly a doctor from a foreign country. Long story short, this man messaged my mother via a messenger app randomly and promised that he would send her a "consignment box" which contains about $3-4 million dollars if she pays a delivery fee. The "doctor" told her that she could keep about 50% of the money when she gets it. So apparently my mother has been sending over more than 5 wire transfers totaling more than $100,000 over the past months- I'm assuming that the "doctor" had made excuses about not receiving the funds or some issues going on so that she can keep sending him more money. My mother confessed all this happening recently to my father and I, as she finally recognized it was a scam. I'm not sure if this is categorized as a romance scam or what not, but I read over some of the messages and he was referring her to as "honey". I didn't read the full conversation because I honestly don't want to go that much into it. Our family and I went to the bank that my mother had sent wire transfers out to (she went to many different branches), and the one bank we went to basically told us they couldn't do anything after discussing the matters with their fraud investigations team- the reason being that my mother voluntarily sent over the money herself. They told us our only option left was to take the legal route. We also filed a police report and the main investigator there told us the chances of getting the money back and/or catching the criminal was slim to none but that they would contact us back.
+
+Do you guys have any advice on what to do? My mother had sent over 6-7 wire transfers at different branches of the bank over the course of 4-5 months. Shouldnt the bank have given us a warning or have some red flags? Can we argue this in court? Is this worth hiring a lawyer for? If anyone has any advice or any direction I can take with this please feel free to help out. Appreciate it thank you Reddit!!!
+AMC was never a play. Ever. Absolutely never.
+
+Read all before you waste your time typing a novel.
+
+I was active on the original WSB for over a year prior to the initial GME hype phenomenon. GME had been talked about for months leading up to that initial spike at the end of January. AMC was NEVER talked about. The first time I ever saw anything about AMC was on January 27th. Believe me when I say I was on WSB for an unhealthy amount of time on a daily basis, losing lots of money on options. Fun stuff, yet I never saw anything about AMC. 
+
+(Oh and before someone spends an hour looking back through WSB to find an old post with AMC... I actually don’t fucking care. Always sorted by “Hot” and none of that shit stock was ever hot.) 
+
+Unfortunately a lot of the newbie influx at the end of January went to AMC (probably because it’s cheaper) but they really got blindsided. At the same time as they’re diving into WSB for the first time, the hedgies (or some retards) dove in saying to buy AMC and they fell for it. Just because it’s also shorted doesn’t mean it’s anything like GME. Before anyone could say anything to save them the AMC holders believed they were on the same rocket as GME and that “we’re all together” and anything anti AMC is a shill. I genuinely feel bad for these people. 
+
+Here’s my prediction on why the surge in AMC recently: 
+
+Going with what another user said in another post, they will try and lump AMC to GME and make it seem that whatever happens to GME the same applies to AMC. They will make it appear they are on the same rocket.
+
+THEN once they’ve pathetically attempted to accomplish that, AMC will be pumped to create a FOMO (Fear of missing out) moment in order to make people think that rocket is outta here while GME isn’t moving and hope that apes sell GME to hop on the AMC pump rocket. Then the classic AMC dump to the dirt and the hedgies get a double whammy. 
+
+Now obviously apes are smart and won’t fall for that shit, but the hedgies have to try. You don’t just lose trillions without trying everything.
+
+Just my guess. 
+
+The way I see it the GME holders are in the middle of the ocean on a fucking CRUISE SHIP while the AMC holders are alongside floating on a fucking pool toy. Good luck to all. 
+
+Bla bla none of this is financial advice bla bla stfu.
+
+
+
+Edit: One thing I want to point out that I think is important is that GME was talked about on WSB far back in 2020 because the company had a FUTURE PLAN with pieces falling in place. Short squeeze wasn’t on the radar until mid January. Now it’s the icing on the cake or the cake on the icing. 
+
+I’m a smooth brain and will let you take that info and compare to AMC.
+
+Edit 2: Allow me to direct your attention to my guess on the hedgies plan section. TLDR: watch for the fake squeeze distraction. 
+
+Edit 3: I’m so glad so many people hold amc and gme. I love reading the hundreds of comments about people holding amc and gme. You mind as well keep holding cuz selling only helps hedge bobs. (NFA)
+
+Read this
+
+Read this
+
+Read this
+
+Read it
+
+Down here
+
+Here it is
+
+What I am saying is that what I saw in WSB back in late January was this
+
+1. GME was center stage play
+2. As GME ripping AMC RANDOMLY ARRIVES
+3. People diving into this random pop up stock
+
+Now you’ve all seen silver, RKT, etc. and called them distractions / pump and dumps. Anyone who supports them is shill and FUD. 
+
+Well that’s how AMC turned up to the party. That’s all.
+
+Maybe you turned it into a squeeze play and that’s great. I hope it happens. Selling AMC helps the hedgies and buying it hurts the original baby. Our precious GME.
+For more info, im 25 with a grounded solid career in tech making between 75-80k a year. I can afford to invest about 500/month into something as well as 55k in savings account that I can also use for investments, but I'm looking for some guidance from you guys on what and where I should make these investments. Sorry for the general question, but hoping you can help
+I am buying a house soon which me and my girlfriend will be living in. I will be paying for everything and she won’t have to pay. We would be splitting living expensive such as food and internet. But if we broke up would she be able to claim a part of my property, how can I protect myself from this?
+
+I think things will work out, but I also don’t want to be stupid and ruin myself financially if things don’t.
+There are still towns struggling to recover from the recession; Detroit, Clevelend, and many other areas in the rust belt and elsewhere. 
+
+What do you think will happen to these struggling cities the next time the economy turns?
+Slam Token: The Amazon of Binance Smart Chain💎  A revolutionary ecosystem powered by a DeFi Casino 🎰 Advanced Charts App 📈 Swap Platform. Slam Token has delivered 3 working products in just one month. All 3 of them have some amazing features that all the Bsc traders will enjoy. We now call it SLAMAZON🚀
+
+​
+
+**👉 1) SLAMCHARTS**
+
+Slamcharts is a platform where you can track over 1000 Bsc tokens. Website is already up&running. SlamCharts app for both iOS and Android will be launched on 13th of June. It’s gonna be the first mobile app to track Bsc tokens.
+
+🔥Get access to free charts for top Bsc tokens, with a super simple and unique design.
+
+🔥Charts: Easily search & track the Bsc tokens
+
+🔥Wallet Tracking: Keep track of 4 wallets simultaneously
+
+🔥A Nifty Converter Tool: Calculate tokens worth in USD & crypto currencies
+
+[https://slamcharts.com/](https://slamcharts.com/)
+
+​
+
+**👉2) CASINO**
+
+Slam’s first casino game is a crash game, it has been live for over 1 month and the casino stats are just insane! 
+
+🔥Registered Users: 2.615
+
+🔥Total Bets:1.631.048
+
+🔥Leader player has won more than 30.000 USD so far. 
+
+🔥More than 25M USD wagered in one month
+
+You can check rest of the stats here: [https://slamcrash.com/stats](https://slamcrash.com/stats)
+
+Few days ago devs announced that Slam Token signed a deal with Evolution Gaming (Which is arguably the biggest game provider) for [slamvegas.com](https://slamvegas.com) where they will have;
+
+• Blackjack (+Live)   
+• Roulette (+Live)   
+• Baccarat (+Live)   
+• Slot Machines   
+• Live Games (such as Crazy Time etc.)
+
+Launch of SlamVegas;
+
+🔥Invite-Only Launch: 20th of June  
+🔥Full Launch: 27th of June
+
+​
+
+**👉3) SLAMSWAP**
+
+Slamswap is basically simplified version of Pancakeswap. Over 1000 tokens -with logos- already added. Slamswap makes it really easy and simple to trade Bsc tokens, even for beginners. With “Auto Version Detection” feature, Slamswap will automatically decide the version you should use for a specific token. In addition to that, Slamswap adjusts the correct slippage for you! (There are currently +30 tokens that have this feature but more will be added in the future). 
+
+On SlamSwap, instead of pasting contract adresses you can simply type the name of the token you want to trade and search for it. No strange warnings, no weird error messages that you can’t understand! It’s a swap platform that focuses on simplicity, created to give a much better experience for traders on Bsc.
+
+​
+
+**Additional information:** 
+
+Website:   
+[https://slamswap.com/](https://slamswap.com/)
+
+They have just released 32 pages long & professionally written White Paper. It’s the best way to see Slam Token’s potential.
+
+Whitepaper:   
+[https://slamtoken.com/whitepaper](https://slamtoken.com/whitepaper)
+
+​
+
+**What’s done?**
+