post_id string | comment_id string | comment string | comment_score float64 | comment_author string | comment_created_utc float64 | post_title string | post_text string | post_score float64 | post_author string | post_created_utc float64 | company string | subreddit string | post_url string |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
qj387g | hinhtk5 | Will you be ok if they drop 50% during that time? | 10 | brianmcg321 | 1,635,607,641 | What are the downsides of just owning blue chip stocks like Facebook, Amazon, Microsoft for a time frame of 2-5 years ? | Let's talk about a time frame of 2-5 years. It's not so large, but also not so short.
These are giants. The probability of them going down is practically zero.
The only downside I can think of is that they're all tech sector, and I won't be diversified. But even if the tech sector drops, it should be back up in a rel... | 50 | randomuser8654 | 1,635,606,035 | amazon | FinancialPlanning | https://www.reddit.com/r/FinancialPlanning/comments/qj387g/what_are_the_downsides_of_just_owning_blue_chip/ |
qj387g | hip0h1t | I'm old, and so I would only consider Microsoft a Blue Chip. I want my dividends. | 5 | UnderstandingPrior13 | 1,635,631,123 | What are the downsides of just owning blue chip stocks like Facebook, Amazon, Microsoft for a time frame of 2-5 years ? | Let's talk about a time frame of 2-5 years. It's not so large, but also not so short.
These are giants. The probability of them going down is practically zero.
The only downside I can think of is that they're all tech sector, and I won't be diversified. But even if the tech sector drops, it should be back up in a rel... | 50 | randomuser8654 | 1,635,606,035 | amazon | FinancialPlanning | https://www.reddit.com/r/FinancialPlanning/comments/qj387g/what_are_the_downsides_of_just_owning_blue_chip/ |
qde53p | hhlznoo | Make sure enough is set aside for taxes. Then, double check the rules to ensure you won't have to pay a portion of it back if you were to leave the company before a certain time. Once you've cleared those hurdles I would pay off all the debt; the credit cards cause of the high interest rate and the student loans becaus... | 56 | AdmiralPlant | 1,634,904,821 | How should I use a $20,000 sign on bonus? | 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 $3... | 88 | AJPhilly98 | 1,634,899,136 | amazon | FinancialPlanning | https://www.reddit.com/r/FinancialPlanning/comments/qde53p/how_should_i_use_a_20000_sign_on_bonus/ |
qde53p | hhm6ux9 | Kill the cc debt and NEVER LET IT ACCUMULATE AGAIN | 31 | azdebiker | 1,634,908,516 | How should I use a $20,000 sign on bonus? | 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 $3... | 88 | AJPhilly98 | 1,634,899,136 | amazon | FinancialPlanning | https://www.reddit.com/r/FinancialPlanning/comments/qde53p/how_should_i_use_a_20000_sign_on_bonus/ |
qde53p | hhm5a1m | Your gut is correct. Get rid of that debt. My personal opinion is that you should not begin investing while you have CC debt. At least debt beyond what you can pay off every month.
After that start putting into a 401K or IRA. 15% of your pay would be the target, but start with whatever you can afford - at least ... | 22 | blamemeididit | 1,634,907,774 | How should I use a $20,000 sign on bonus? | 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 $3... | 88 | AJPhilly98 | 1,634,899,136 | amazon | FinancialPlanning | https://www.reddit.com/r/FinancialPlanning/comments/qde53p/how_should_i_use_a_20000_sign_on_bonus/ |
qde53p | hhlr4be | Have a look at the sidebar— you’ll find the prime directive there which explains how to handle a windfall. | 21 | motherofmiltanks | 1,634,899,222 | How should I use a $20,000 sign on bonus? | 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 $3... | 88 | AJPhilly98 | 1,634,899,136 | amazon | FinancialPlanning | https://www.reddit.com/r/FinancialPlanning/comments/qde53p/how_should_i_use_a_20000_sign_on_bonus/ |
qde53p | hhmpc9j | Great suggestions here.
My only addition, double-check the fine print. If you are obligated to work for a certain period of time (e.g. 90 days, a year, etc.) or the penalty is to pay the bonus back, bank it in high interest saving until it really is your money free and clear.
Just in case you find yourself in a posi... | 7 | Glitch-404 | 1,634,916,228 | How should I use a $20,000 sign on bonus? | 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 $3... | 88 | AJPhilly98 | 1,634,899,136 | amazon | FinancialPlanning | https://www.reddit.com/r/FinancialPlanning/comments/qde53p/how_should_i_use_a_20000_sign_on_bonus/ |
qde53p | hhm5m53 | Emergency Fund, then High Interest Debt.
Also, as you review your benefits, if there's a retirement plan, ensure that you're contributing to max out any match your employer may fund. That's free money. | 12 | nouns | 1,634,907,935 | How should I use a $20,000 sign on bonus? | 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 $3... | 88 | AJPhilly98 | 1,634,899,136 | amazon | FinancialPlanning | https://www.reddit.com/r/FinancialPlanning/comments/qde53p/how_should_i_use_a_20000_sign_on_bonus/ |
pxbllw | hemctxx | Doing OK is all relative. What are your goals? Are you happy? You should not judge your happiness by other people's metrics but by your own.
If you are able to meet your needs and save money you're doing ok. | 213 | urza5589 | 1,632,850,958 | I'm 32, make 35k a year with 40k in savings an 20k on 401(k), am I doing ok? | I still live with my parents and pay $500 in rent. I have a $220 car payment with $120 car insurance.My credit card limit is $3,000, but I only spend $500-600 a month and pay it in full. Am I doing ok?
Edit: My goal is to buy a condo around $200k. I don't have big fancy goals like some people, I just want to live life... | 222 | BlackSabbath1989 | 1,632,850,845 | amazon | FinancialPlanning | https://www.reddit.com/r/FinancialPlanning/comments/pxbllw/im_32_make_35k_a_year_with_40k_in_savings_an_20k/ |
pxbllw | heme94x | You're doing amazing given the salary you earn. Continue to invest at least 15% in retirement and you will only improve. Pay down that car loan and keep on stashing cash. | 104 | Chicagoan81 | 1,632,851,540 | I'm 32, make 35k a year with 40k in savings an 20k on 401(k), am I doing ok? | I still live with my parents and pay $500 in rent. I have a $220 car payment with $120 car insurance.My credit card limit is $3,000, but I only spend $500-600 a month and pay it in full. Am I doing ok?
Edit: My goal is to buy a condo around $200k. I don't have big fancy goals like some people, I just want to live life... | 222 | BlackSabbath1989 | 1,632,850,845 | amazon | FinancialPlanning | https://www.reddit.com/r/FinancialPlanning/comments/pxbllw/im_32_make_35k_a_year_with_40k_in_savings_an_20k/ |
pxbllw | hemhjya | As everyone said, you are doing very well on what you are earning. If you are okay earning that, it is kind of difficult to own a 200K property at that income level.
I do suggest you shop that car insurance. Unless you are driving something new and expensive, at 32 that seems kind of high. Maybe it's just me. | 29 | ThisCharmingManTX | 1,632,852,919 | I'm 32, make 35k a year with 40k in savings an 20k on 401(k), am I doing ok? | I still live with my parents and pay $500 in rent. I have a $220 car payment with $120 car insurance.My credit card limit is $3,000, but I only spend $500-600 a month and pay it in full. Am I doing ok?
Edit: My goal is to buy a condo around $200k. I don't have big fancy goals like some people, I just want to live life... | 222 | BlackSabbath1989 | 1,632,850,845 | amazon | FinancialPlanning | https://www.reddit.com/r/FinancialPlanning/comments/pxbllw/im_32_make_35k_a_year_with_40k_in_savings_an_20k/ |
pxbllw | hemshf9 | First of all, let me commend you on your savings and your 401k. I Made only slightly more than you at the same age and didn't have ANY of that. I was also living alone and unable to save anything.
Second of all, don't let anyone hate on you for living with your parents and stacking paper. That's called family support ... | 22 | Mordanzibel | 1,632,857,408 | I'm 32, make 35k a year with 40k in savings an 20k on 401(k), am I doing ok? | I still live with my parents and pay $500 in rent. I have a $220 car payment with $120 car insurance.My credit card limit is $3,000, but I only spend $500-600 a month and pay it in full. Am I doing ok?
Edit: My goal is to buy a condo around $200k. I don't have big fancy goals like some people, I just want to live life... | 222 | BlackSabbath1989 | 1,632,850,845 | amazon | FinancialPlanning | https://www.reddit.com/r/FinancialPlanning/comments/pxbllw/im_32_make_35k_a_year_with_40k_in_savings_an_20k/ |
pxbllw | hemkx45 | I see the savings is for a downpayment on a condo: $200k\*20% = $40k.
"63%, say they've been living paycheck to paycheck since the Covid-19 pandemic hit the U.S." - CNBC
So apparently you're doing better than 63% of Americans. | 16 | adamaero | 1,632,854,316 | I'm 32, make 35k a year with 40k in savings an 20k on 401(k), am I doing ok? | I still live with my parents and pay $500 in rent. I have a $220 car payment with $120 car insurance.My credit card limit is $3,000, but I only spend $500-600 a month and pay it in full. Am I doing ok?
Edit: My goal is to buy a condo around $200k. I don't have big fancy goals like some people, I just want to live life... | 222 | BlackSabbath1989 | 1,632,850,845 | amazon | FinancialPlanning | https://www.reddit.com/r/FinancialPlanning/comments/pxbllw/im_32_make_35k_a_year_with_40k_in_savings_an_20k/ |
pxbllw | hemjf9c | Go talk to a mortgage broker about that condo. Whether you are ready now or later, they can help look at your actual details and help you get there sooner rather than later. Condos are great investments, very low risk. You won't gain the value appreciation year over year like single family homes do, but you also do... | 7 | wesconson1 | 1,632,853,693 | I'm 32, make 35k a year with 40k in savings an 20k on 401(k), am I doing ok? | I still live with my parents and pay $500 in rent. I have a $220 car payment with $120 car insurance.My credit card limit is $3,000, but I only spend $500-600 a month and pay it in full. Am I doing ok?
Edit: My goal is to buy a condo around $200k. I don't have big fancy goals like some people, I just want to live life... | 222 | BlackSabbath1989 | 1,632,850,845 | amazon | FinancialPlanning | https://www.reddit.com/r/FinancialPlanning/comments/pxbllw/im_32_make_35k_a_year_with_40k_in_savings_an_20k/ |
omk3jo | h5lo7mq | Try your local United Way. There might be programs in your area for low-income housing or rental assistance. They will give you the referrals, then you do all the legwork. Churches also have programs for this—some would require membership and others will not. | 8 | dormilona313 | 1,626,588,432 | 26 yr old with nowhere left to turn. | This happened in 2020, first I worked at amazon but fell into bad health and had to go on leave, for which I only got 60% pay for 5 months. My car broke down, and I could no longer afford my rent at the apartment I was staying at. I moved in with a relative and I ultimately ended up getting let go from amazon. I Finall... | 14 | Throw-away-304 | 1,626,584,676 | amazon | FinancialPlanning | https://www.reddit.com/r/FinancialPlanning/comments/omk3jo/26_yr_old_with_nowhere_left_to_turn/ |
omk3jo | h5lo2an | I'm sorry for all that happened to you. I don't really have any advice for your living situation 😔 but - did you have renter's insurance? If so, you should file a claim ASAP - that would at least get you some money back for your loss. | 7 | pimpampoumz | 1,626,588,323 | 26 yr old with nowhere left to turn. | This happened in 2020, first I worked at amazon but fell into bad health and had to go on leave, for which I only got 60% pay for 5 months. My car broke down, and I could no longer afford my rent at the apartment I was staying at. I moved in with a relative and I ultimately ended up getting let go from amazon. I Finall... | 14 | Throw-away-304 | 1,626,584,676 | amazon | FinancialPlanning | https://www.reddit.com/r/FinancialPlanning/comments/omk3jo/26_yr_old_with_nowhere_left_to_turn/ |
lh5jb0 | gmw2yck | If it's only 5%, I wouldn't worry too much. She's an adult. An intelligent and educated one. You make your choices and she makes hers. Parents have to do this all the time, there's no controlling another adult no matter how much you love them. | 146 | BrightAd306 | 1,613,008,945 | How do I convince my mom that turning over single stocks per quarter is not a good investment strategy? | So my mom has a CPA and a lot of my own good financial wisdom comes from her. However, there is one thing that I can't seem to convince her on: timing the market of single stocks.
So from looking at the ups and downs of the FAAMG stocks, she believes it's more efficient to go for these "high turnover" stocks. Buy in,... | 73 | iwantknow8 | 1,612,995,484 | amazon | FinancialPlanning | https://www.reddit.com/r/FinancialPlanning/comments/lh5jb0/how_do_i_convince_my_mom_that_turning_over_single/ |
lh5jb0 | gmw4cwu | Agreed with the other poster that she’s only doing this on 5% of the portfolio means she actually understands the risk very well. What is the rest of her 95% invested in? More like index funds? If that’s the case the 5% doesn’t mean much. Her main growth is going to come from the 95%. I actually think this strategy of ... | 56 | continue_improve | 1,613,009,646 | How do I convince my mom that turning over single stocks per quarter is not a good investment strategy? | So my mom has a CPA and a lot of my own good financial wisdom comes from her. However, there is one thing that I can't seem to convince her on: timing the market of single stocks.
So from looking at the ups and downs of the FAAMG stocks, she believes it's more efficient to go for these "high turnover" stocks. Buy in,... | 73 | iwantknow8 | 1,612,995,484 | amazon | FinancialPlanning | https://www.reddit.com/r/FinancialPlanning/comments/lh5jb0/how_do_i_convince_my_mom_that_turning_over_single/ |
laeq2n | glnut1u | I did this and the prostitute got very impatient. | 5 | Minnesotamad12 | 1,612,220,377 | Wait three days before buying anything ( Exception ) | So ya it's just what the title says, wait three days before buying anything. It's mostly just the excitement of getting something than you actually needing it. This personally has stopped me from getting nicknacks from amazon that are on sale. Of course, there are exceptions to this rule where if you need food, or need... | 12 | Loose_Entertainment9 | 1,612,215,009 | amazon | FinancialPlanning | https://www.reddit.com/r/FinancialPlanning/comments/laeq2n/wait_three_days_before_buying_anything_exception/ |
l4mhge | gkpnw8s | Interesting story. While I don't think you are really that unique you definitely seem to have experienced both extremes of the financial spectrum. Welcome to the good side. As for your questions, here is my take.
1. I didn't follow the extreme spending but do feel that minimalism shares a lot of "value of the dollar" ... | 19 | markofthemoser | 1,611,586,918 | Learn from a high paid jerk who piled up $200k of debt but finally paid it off | Throwaway account here to: share my story, whine, kick myself for the lost decade plus and the huge amount of wealth that missing out on this recent market rally (and all my other decisions) have cost me, repent/soul cleanse, humble brag, express genuine gratitude, reboot my thankfulness, and solicit some conversation ... | 222 | Timemachine1984 | 1,611,575,968 | amazon | FinancialPlanning | https://www.reddit.com/r/FinancialPlanning/comments/l4mhge/learn_from_a_high_paid_jerk_who_piled_up_200k_of/ |
l4mhge | gkpb6hu | This was a really interesting read, thanks for sharing your story. This sub gets boring with the "21 just starting out help me fire posts".
First let me say welcome to the FI community, you are here now, the hard part is over, and it's only onward and upwards from here on out. I'd imagine most of us stumbled across t... | 26 | firebeachbum | 1,611,579,699 | Learn from a high paid jerk who piled up $200k of debt but finally paid it off | Throwaway account here to: share my story, whine, kick myself for the lost decade plus and the huge amount of wealth that missing out on this recent market rally (and all my other decisions) have cost me, repent/soul cleanse, humble brag, express genuine gratitude, reboot my thankfulness, and solicit some conversation ... | 222 | Timemachine1984 | 1,611,575,968 | amazon | FinancialPlanning | https://www.reddit.com/r/FinancialPlanning/comments/l4mhge/learn_from_a_high_paid_jerk_who_piled_up_200k_of/ |
l4mhge | gkpbwch | Tackling questions (2) and (3), given your income, your limited on options. But a good ol' brokerage account is better than nothing. Fidelity is a fine choice there. Only other idea is to max out an HSA if you have it available to you.
On point (6), just my POV, but I think you're overreacting to the Roth income limit... | 6 | kpdouble3 | 1,611,580,199 | Learn from a high paid jerk who piled up $200k of debt but finally paid it off | Throwaway account here to: share my story, whine, kick myself for the lost decade plus and the huge amount of wealth that missing out on this recent market rally (and all my other decisions) have cost me, repent/soul cleanse, humble brag, express genuine gratitude, reboot my thankfulness, and solicit some conversation ... | 222 | Timemachine1984 | 1,611,575,968 | amazon | FinancialPlanning | https://www.reddit.com/r/FinancialPlanning/comments/l4mhge/learn_from_a_high_paid_jerk_who_piled_up_200k_of/ |
l4mhge | gkpem5l | Max out your 401k, buy a house that is way less than what a mortgage broker tells you you can “afford”, and figure out if with your money left over you want to pump it into a brokerage account, invest in real estate that makes enough profit to have a property manager take care of the day to day, or invest in or start a... | 6 | facerollwiz | 1,611,581,961 | Learn from a high paid jerk who piled up $200k of debt but finally paid it off | Throwaway account here to: share my story, whine, kick myself for the lost decade plus and the huge amount of wealth that missing out on this recent market rally (and all my other decisions) have cost me, repent/soul cleanse, humble brag, express genuine gratitude, reboot my thankfulness, and solicit some conversation ... | 222 | Timemachine1984 | 1,611,575,968 | amazon | FinancialPlanning | https://www.reddit.com/r/FinancialPlanning/comments/l4mhge/learn_from_a_high_paid_jerk_who_piled_up_200k_of/ |
kjhtqf | ggwq6l4 | Buying stocks can lead to stress and constantly researching. You may be better of just investing in indexed mutual funds. Total stock market, total international stock market, total bond market. Figure out the right allocation mix for you and be patient. No home runs but no drastic drops either! | 124 | IMissSleepingIn | 1,608,826,885 | what could possibly go wrong?? | I have saved up about 200k since 2018. I just turned 32. The money is sitting in a savings account. Minimal debt (3k), no kids, no wife, expenses are about 1k monthly in rent and bills. Prior to 2018 I pretty much squandered most of my money traveling (I am a huge F1 fan and attending those cost a pretty penny). I ... | 98 | maasaiwarrior88 | 1,608,825,998 | amazon | FinancialPlanning | https://www.reddit.com/r/FinancialPlanning/comments/kjhtqf/what_could_possibly_go_wrong/ |
kjhtqf | ggx8jj6 | You took the wrong lesson away from your experience with that CBD stock. Betting a large portion of your net work on a single stock is stupid. It was stupid to put it in that CBD stock, and it would have been exactly as stupid to put it in Amazon, Tesla, Bitcoin, or Google. If you had picked one of the latter stocks... | 24 | asking-money-qns | 1,608,837,302 | what could possibly go wrong?? | I have saved up about 200k since 2018. I just turned 32. The money is sitting in a savings account. Minimal debt (3k), no kids, no wife, expenses are about 1k monthly in rent and bills. Prior to 2018 I pretty much squandered most of my money traveling (I am a huge F1 fan and attending those cost a pretty penny). I ... | 98 | maasaiwarrior88 | 1,608,825,998 | amazon | FinancialPlanning | https://www.reddit.com/r/FinancialPlanning/comments/kjhtqf/what_could_possibly_go_wrong/ |
kjhtqf | ggwpzpq | I’d play the long game with ETFs. I wouldn’t mess with individual stocks unless you have a deep knowledge of the company/industry that didn’t come from Google. I wouldn’t put money in the market for the short term. That’s how I do it. | 44 | MisterSlyGuy | 1,608,826,774 | what could possibly go wrong?? | I have saved up about 200k since 2018. I just turned 32. The money is sitting in a savings account. Minimal debt (3k), no kids, no wife, expenses are about 1k monthly in rent and bills. Prior to 2018 I pretty much squandered most of my money traveling (I am a huge F1 fan and attending those cost a pretty penny). I ... | 98 | maasaiwarrior88 | 1,608,825,998 | amazon | FinancialPlanning | https://www.reddit.com/r/FinancialPlanning/comments/kjhtqf/what_could_possibly_go_wrong/ |
kita6x | ggspvbi | Your grammar is fantastic. No worries.
You say per paycheck. How often is that? Weekly, every other week or twice a month? We need to get an accurate idea of your real take home pay to formulate a plan.
You are right to think short term to get in to an apartment and out of the situation you are in. But once tha... | 8 | ThisCharmingManTX | 1,608,732,343 | How can I pay off my debt fast and still save money for a apartment? | I'M GOING TO GET MY STUFF TOGETHER AND MAKE A NEW POST. WITH MY FIANCE EXPENSES AND EXACT NUMBERS. Thank you everyone for the help, your are amazing!!!!!
I have 1k in credit card debt and I would like to pay it off as quick as possible. Also have a Amazon credit card with $100 but I pay it off every month.
Car payme... | 16 | Heliophilia_Desire | 1,608,730,910 | amazon | FinancialPlanning | https://www.reddit.com/r/FinancialPlanning/comments/kita6x/how_can_i_pay_off_my_debt_fast_and_still_save/ |
kita6x | ggspvy6 | You didn’t state whether your grocery bill/budget is weekly or monthly?
If the $200 is weekly, you have approximately $1420 left over every month, after bills.
If the $200 is monthly, you have approximately $2,000 left over every month.
Also, you didn’t state anything about your location, so we can’t advise you on... | 6 | cg10-2020 | 1,608,732,356 | How can I pay off my debt fast and still save money for a apartment? | I'M GOING TO GET MY STUFF TOGETHER AND MAKE A NEW POST. WITH MY FIANCE EXPENSES AND EXACT NUMBERS. Thank you everyone for the help, your are amazing!!!!!
I have 1k in credit card debt and I would like to pay it off as quick as possible. Also have a Amazon credit card with $100 but I pay it off every month.
Car payme... | 16 | Heliophilia_Desire | 1,608,730,910 | amazon | FinancialPlanning | https://www.reddit.com/r/FinancialPlanning/comments/kita6x/how_can_i_pay_off_my_debt_fast_and_still_save/ |
k219y7 | gdrpbc5 | I like to occasionally look at these calculators to see where we’re at relative to most Americans:
[Net worth by age](https://dqydj.com/net-worth-by-age-calculator-united-states/)
[Income by age](https://dqydj.com/income-percentile-by-age-calculator/)
[Income by household](https://dqydj.com/household-income-percenti... | 13 | uniballing | 1,606,489,102 | Anyone willing to share their financial situation? | Obviously nothing specific. I'm a 26F, married and pretty financially stable. But with memes and articles across the interwebs talking about millenials struggling financially, I sort of wonder where I land, financially speaking. Am I close to normal? Above average? I'm curious to see how I compare to other folks! Here'... | 11 | enter_da_kosmos | 1,606,484,421 | amazon | FinancialPlanning | https://www.reddit.com/r/FinancialPlanning/comments/k219y7/anyone_willing_to_share_their_financial_situation/ |
jhm0zp | ga24159 | This will be an unpopular opinion, but the OP can do a lot more damage to the portfolio on their own than 1.5% a year. It took me years.. decades? to learn how not to fuck up. Read a wiki and learn how to manage a 13M portfolio? Sincerely, good luck. | 17 | uniquei | 1,603,634,929 | Unique Circumstance | I am 25 years old and just recently inherited quite a bit of money after my mother passed away recently.
Talking to the estate lawyer I found out my mom has quite a bit in stocks. She had most of the money in 4 major companies.
Amazon: 1,146 shares = $3,672,242.40
Apple: 25,784 shares = $2,966,191.36
Comcast: 68,... | 10 | Blanketflower20 | 1,603,593,961 | amazon | FinancialPlanning | https://www.reddit.com/r/FinancialPlanning/comments/jhm0zp/unique_circumstance/ |
jhm0zp | g9zyz57 | Please read the Windfalls section of the r/personalfinance sub. For starters, stay put for at least six months, and don’t tell anyone. Loads of specific advice there | 12 | Annabel398 | 1,603,596,068 | Unique Circumstance | I am 25 years old and just recently inherited quite a bit of money after my mother passed away recently.
Talking to the estate lawyer I found out my mom has quite a bit in stocks. She had most of the money in 4 major companies.
Amazon: 1,146 shares = $3,672,242.40
Apple: 25,784 shares = $2,966,191.36
Comcast: 68,... | 10 | Blanketflower20 | 1,603,593,961 | amazon | FinancialPlanning | https://www.reddit.com/r/FinancialPlanning/comments/jhm0zp/unique_circumstance/ |
jhm0zp | ga0663v | I am very sorry for your loss.
Do not touch the money yet. Ask your mother’s estate attorney to refer you to a reputable wealth manager. Talk to them and then get a second opinion. I would suggest that you spend at least six months educating yourself before you do anything. Do not panic and do not become overwhelmed. ... | 8 | runswithlibrarians | 1,603,598,796 | Unique Circumstance | I am 25 years old and just recently inherited quite a bit of money after my mother passed away recently.
Talking to the estate lawyer I found out my mom has quite a bit in stocks. She had most of the money in 4 major companies.
Amazon: 1,146 shares = $3,672,242.40
Apple: 25,784 shares = $2,966,191.36
Comcast: 68,... | 10 | Blanketflower20 | 1,603,593,961 | amazon | FinancialPlanning | https://www.reddit.com/r/FinancialPlanning/comments/jhm0zp/unique_circumstance/ |
jhm0zp | g9zuwxu | Well, first, fire the financial advisor. He's not worth a 1.5% fee. That's robbery. $200k/yr he's stealing from you. Second, hire a fiduciary that charges an hourly fee. Third, start reading and learning yourself, but run any serious decisions by your new fiduciary. | 17 | FanninGrease | 1,603,594,525 | Unique Circumstance | I am 25 years old and just recently inherited quite a bit of money after my mother passed away recently.
Talking to the estate lawyer I found out my mom has quite a bit in stocks. She had most of the money in 4 major companies.
Amazon: 1,146 shares = $3,672,242.40
Apple: 25,784 shares = $2,966,191.36
Comcast: 68,... | 10 | Blanketflower20 | 1,603,593,961 | amazon | FinancialPlanning | https://www.reddit.com/r/FinancialPlanning/comments/jhm0zp/unique_circumstance/ |
gh6f4n | fq7cq61 | I had good luck with Discover when I was a student. I'd go check out [nerdwallet.com](https://nerdwallet.com) as they've got reviews of different credit cards. | 12 | lowlyauditor | 1,589,144,695 | What are the best companies to start my credit? | Hi all! I finally got a paying job and I would like to start building good credit. The problem is, I don't even know where to start. I applied to the Amazon credit card but they declined me unfortunately. Does anyone know a good place to start? Sorry if this is against the rules. | 14 | tomcat_96 | 1,589,134,509 | amazon | FinancialPlanning | https://www.reddit.com/r/FinancialPlanning/comments/gh6f4n/what_are_the_best_companies_to_start_my_credit/ |
gh6f4n | fq6p37v | Try PayPal Credit. I only had student loans and a one time 6th month secured loan for about 18 months. Got approved from $600. Can’t really use it on much but boosted my score 50 points. | 5 | secrettninja_ | 1,589,135,783 | What are the best companies to start my credit? | Hi all! I finally got a paying job and I would like to start building good credit. The problem is, I don't even know where to start. I applied to the Amazon credit card but they declined me unfortunately. Does anyone know a good place to start? Sorry if this is against the rules. | 14 | tomcat_96 | 1,589,134,509 | amazon | FinancialPlanning | https://www.reddit.com/r/FinancialPlanning/comments/gh6f4n/what_are_the_best_companies_to_start_my_credit/ |
flxn72 | fl15d25 | There's an entire industry of people who do exactly what that guy did for a living. It's called retail arbitrage. The only reason he got hammered is because he was gouging the fuck out of something that was on shortage due to a pandemic, which is in pretty bad taste, and because he raided every walmart in a tri-state a... | 46 | _volkerball_ | 1,584,722,321 | Price gouging laws | I'm not sure if this is the correct thread but something I was wondering about.
I read an article about a guy that hoarded hand sanitizer and was selling them on amazon and ebay for $70 a small bottle. Also, many other businesses price gouging on toilet paper, soap, etc. They were all fined by the court system.
How... | 51 | KaiSimple | 1,584,720,777 | amazon | FinancialPlanning | https://www.reddit.com/r/FinancialPlanning/comments/flxn72/price_gouging_laws/ |
flxn72 | fl1ggln | Price gouging specifically refers to increasing prices by an unreasonable amount once a state of emergency has been declared. It is not illegal to markup prices during non-emergencies. | 35 | TheUndeadInsanity | 1,584,728,512 | Price gouging laws | I'm not sure if this is the correct thread but something I was wondering about.
I read an article about a guy that hoarded hand sanitizer and was selling them on amazon and ebay for $70 a small bottle. Also, many other businesses price gouging on toilet paper, soap, etc. They were all fined by the court system.
How... | 51 | KaiSimple | 1,584,720,777 | amazon | FinancialPlanning | https://www.reddit.com/r/FinancialPlanning/comments/flxn72/price_gouging_laws/ |
flxn72 | fl17509 | You can charge wtf you want in regular time. You can’t during a crisis. Simple as that. | 24 | alwayslookingout | 1,584,723,302 | Price gouging laws | I'm not sure if this is the correct thread but something I was wondering about.
I read an article about a guy that hoarded hand sanitizer and was selling them on amazon and ebay for $70 a small bottle. Also, many other businesses price gouging on toilet paper, soap, etc. They were all fined by the court system.
How... | 51 | KaiSimple | 1,584,720,777 | amazon | FinancialPlanning | https://www.reddit.com/r/FinancialPlanning/comments/flxn72/price_gouging_laws/ |
flxn72 | fl1iflm | What the hand sanitizer guy did is called Profiteering - Selling essential goods to make an unreasonable profit, especially during times of emergency. It doesn't necessarily have to be in a declared emergency. This guy had already sealed his fate before any state of emergencies were declared.
What amusement parks do ... | 7 | mortalwombat- | 1,584,729,633 | Price gouging laws | I'm not sure if this is the correct thread but something I was wondering about.
I read an article about a guy that hoarded hand sanitizer and was selling them on amazon and ebay for $70 a small bottle. Also, many other businesses price gouging on toilet paper, soap, etc. They were all fined by the court system.
How... | 51 | KaiSimple | 1,584,720,777 | amazon | FinancialPlanning | https://www.reddit.com/r/FinancialPlanning/comments/flxn72/price_gouging_laws/ |
dcra6r | f2afqto | Retirement savings look alright especially since you shouldn't have daycare or a mortgage in retirement.
I would take some of the slush money and bump up your emergency fund just in case your wife loses her job or anything else happens.
Personally after that I would put more of the slush money towards your debt depen... | 5 | blakef223 | 1,570,112,772 | How does this budget look? | I’m trying to figure out our new budget with our new child starting day care soon. I’ll call it monthly, but our biggest costs are budgeted every 4 weeks (mortgage/day care).
The wife and I both contribute ~10% to pre-tax 401k. We live in a roughly middle COL area.
**Monthly Income:**
$8732 (take home pay)
**Monthl... | 10 | ThAwHunt | 1,570,111,153 | amazon | FinancialPlanning | https://www.reddit.com/r/FinancialPlanning/comments/dcra6r/how_does_this_budget_look/ |
9rzkdp | e8kvvpm | Please don’t get on a car payment plan. It is a trap and I can tell you from experience. Try to save up and buy a car out right. They say you should have a 1000 dollar emergency fund and you should be matching what your employer matches on 401k. This is very basic and there is a lot of information out there. | 12 | Savagesamurai29RL | 1,540,691,027 | Starting My First FT Job, Extremely Little Living Expenses | I just started a full time job (42 hour work weeks) making $15/hr, and my only living expense is my cell phone bill. I will be making about $2k a month, and my only bills will be my cell phone bill and the car that I am about to buy.
​
So minus those things and a few extra expenses, I will have a minimum spare... | 17 | nirro_man | 1,540,689,946 | amazon | FinancialPlanning | https://www.reddit.com/r/FinancialPlanning/comments/9rzkdp/starting_my_first_ft_job_extremely_little_living/ |
76s4qo | dogaf3k | the best lazy portfolio would be a low-expense no-commission target-date fund with a no-fee brokerage (Schwab, Fidelity, Vanguard). Set it and forget it.
Buying significant of single stocks is the antithesis of this "lazy" approach, but I figure you're asking for multiple options. I'd do it in an IRA in Fidelity/Schwa... | 6 | fonistoastes | 1,508,176,538 | "Teach a man to fish" - How can I re-build my portfolio on my own? Moving away from managed IRA next steps. | In my previous topic I discussed how I want to move my grandfathered IRA from Edward Jones due to the management fees (1.5%) and the poor performance (11% growth past 12 months, far lower than all my other self managed investments).
Several recommendations were made to transfer my IRA to a Fidelity account (no mainte... | 21 | shadestreet | 1,508,175,394 | amazon | FinancialPlanning | https://www.reddit.com/r/FinancialPlanning/comments/76s4qo/teach_a_man_to_fish_how_can_i_rebuild_my/ |
6pz48t | dktkfib | 1) You're 21 and have a positive net worth. Good start!
2) Fuck the Bay Area - Learn the joys of telecommuting and instead of living in a $1.5M single-bedroom apartment, you can have a 5000sqft McMansion pretty much anywhere in the US that has halfway decent broadband.
As for your investments - They matter, but real... | 17 | ribnag | 1,501,202,713 | 21yo Looking to Retire Early | I want to preface this by saying I am in a unique situation at my age.
I recently took a financial planning class in college and have begun my retirement plan based on that. I currently have $54,xxx to my name, of which $49,000 is in equity, which, breaks down to the following:
* $20,000 in a Vanguard 2055 retirement... | 23 | finthrowaway0509 | 1,501,190,314 | amazon | FinancialPlanning | https://www.reddit.com/r/FinancialPlanning/comments/6pz48t/21yo_looking_to_retire_early/ |
6pz48t | dktfkrb | 600k for a Bay Area house...good luck lol | 11 | FinanceGI | 1,501,196,296 | 21yo Looking to Retire Early | I want to preface this by saying I am in a unique situation at my age.
I recently took a financial planning class in college and have begun my retirement plan based on that. I currently have $54,xxx to my name, of which $49,000 is in equity, which, breaks down to the following:
* $20,000 in a Vanguard 2055 retirement... | 23 | finthrowaway0509 | 1,501,190,314 | amazon | FinancialPlanning | https://www.reddit.com/r/FinancialPlanning/comments/6pz48t/21yo_looking_to_retire_early/ |
6pz48t | dktlbph | If you're interested in retiring early, there's no better sub than /r/financialindependence. Your goal of living in the Bay Area, owning a house, and retiring by age 30 is extremely aggressive though. I don't know any way for you to realistically accomplish that other than by starting your own business and making it bi... | 5 | neverchangingwhoiam | 1,501,203,937 | 21yo Looking to Retire Early | I want to preface this by saying I am in a unique situation at my age.
I recently took a financial planning class in college and have begun my retirement plan based on that. I currently have $54,xxx to my name, of which $49,000 is in equity, which, breaks down to the following:
* $20,000 in a Vanguard 2055 retirement... | 23 | finthrowaway0509 | 1,501,190,314 | amazon | FinancialPlanning | https://www.reddit.com/r/FinancialPlanning/comments/6pz48t/21yo_looking_to_retire_early/ |
6pz48t | dktcux0 | You may want to hire a fiduciary to review this. There are a lot of things at play here, find someone flat rate and I would ask a person in the area with investment experience if they have an advisor to recommend.
Your dealing with some decent cash and an aggressive goal.
Buying a house by 30 is doable, you may wa... | 5 | b1ack1323 | 1,501,193,021 | 21yo Looking to Retire Early | I want to preface this by saying I am in a unique situation at my age.
I recently took a financial planning class in college and have begun my retirement plan based on that. I currently have $54,xxx to my name, of which $49,000 is in equity, which, breaks down to the following:
* $20,000 in a Vanguard 2055 retirement... | 23 | finthrowaway0509 | 1,501,190,314 | amazon | FinancialPlanning | https://www.reddit.com/r/FinancialPlanning/comments/6pz48t/21yo_looking_to_retire_early/ |
l65ro6 | gkye666 | This is a well reasoned explanation and I’m just annoyed you have to include a disclaimer about GME! | 6 | YouKnowTheRulesAndSo | 1,611,760,135 | Berry Global- A Value Stock in Today’s Market | Berry Global
**Business Overview**
Berry Global ($BERY) is a technology and engineering company involved in the manufacturing of plastics packaging for consumer, healthcare, and industrial end-markets. They are a low cast manufacturer with 70% of sales in stable, consumer oriented end-markets. They have ~$12B of reve... | 12 | MMcDeer | 1,611,758,249 | amcor | stocks | https://www.reddit.com/r/stocks/comments/l65ro6/berry_global_a_value_stock_in_todays_market/ |
18imskc | kde895t | Have you ever shrink wrapped your windows to keep the heat in? This may help a lot. | 52 | Gonebabythoughts | 1,702,599,183 | My power bill tripled from last month | I have been living alone in a one bedroom apartment in Central Illinois for a few months. My power, which is through Ameren, usually costs 35ish dollars per month for about 150 kwh of electricity. For last billing cycle, the cost jumped to $95, and is already over that for this cycle. I assumed my bill would increase w... | 24 | aiden_saxon | 1,702,599,004 | ameren | personalfinance | https://www.reddit.com/r/personalfinance/comments/18imskc/my_power_bill_tripled_from_last_month/ |
18imskc | kdeddhp | We had this happen in our previous home and it turned out to be a problem with our HVAC and it was now running in aux mode. Double check your heating system. | 13 | mykidzmomx3 | 1,702,601,351 | My power bill tripled from last month | I have been living alone in a one bedroom apartment in Central Illinois for a few months. My power, which is through Ameren, usually costs 35ish dollars per month for about 150 kwh of electricity. For last billing cycle, the cost jumped to $95, and is already over that for this cycle. I assumed my bill would increase w... | 24 | aiden_saxon | 1,702,599,004 | ameren | personalfinance | https://www.reddit.com/r/personalfinance/comments/18imskc/my_power_bill_tripled_from_last_month/ |
18imskc | kde8g0h | Put plastic over the windows you don't need to see out of, get draft dodgers for your doors or install weather stripping.
Mine will probably triple as well but to $300, the Christmas lights suck up at least $100 a month. | 19 | txholdup | 1,702,599,264 | My power bill tripled from last month | I have been living alone in a one bedroom apartment in Central Illinois for a few months. My power, which is through Ameren, usually costs 35ish dollars per month for about 150 kwh of electricity. For last billing cycle, the cost jumped to $95, and is already over that for this cycle. I assumed my bill would increase w... | 24 | aiden_saxon | 1,702,599,004 | ameren | personalfinance | https://www.reddit.com/r/personalfinance/comments/18imskc/my_power_bill_tripled_from_last_month/ |
18imskc | kdem1m2 | What kind of hearing system does your apartment have? I learned the hard way this winter, but my new apartment has Electric heating from a water heater that runs through the baseboards in each room. My bill also pretty much tripled from what I’m used to | 6 | ncarr539 | 1,702,604,993 | My power bill tripled from last month | I have been living alone in a one bedroom apartment in Central Illinois for a few months. My power, which is through Ameren, usually costs 35ish dollars per month for about 150 kwh of electricity. For last billing cycle, the cost jumped to $95, and is already over that for this cycle. I assumed my bill would increase w... | 24 | aiden_saxon | 1,702,599,004 | ameren | personalfinance | https://www.reddit.com/r/personalfinance/comments/18imskc/my_power_bill_tripled_from_last_month/ |
18imskc | kde9jpv | Some public libraries have thermal cameras you can borrow. Great way to find temp differences (leaks). Otherwise that's about a $200+ purchase.
Don't forget to seal off switch plates and outlets on exterior walls as much as you can. Switches especially can leak a ton of air. Depending on the switch type, you may be... | 10 | lastwraith | 1,702,599,729 | My power bill tripled from last month | I have been living alone in a one bedroom apartment in Central Illinois for a few months. My power, which is through Ameren, usually costs 35ish dollars per month for about 150 kwh of electricity. For last billing cycle, the cost jumped to $95, and is already over that for this cycle. I assumed my bill would increase w... | 24 | aiden_saxon | 1,702,599,004 | ameren | personalfinance | https://www.reddit.com/r/personalfinance/comments/18imskc/my_power_bill_tripled_from_last_month/ |
18imskc | kderrz4 | That is a common problem with units where the renter pays the heat. The landlord has no direct incentive to make it efficient as someone else is paying for it. Did you ask the landlord about typical winter heating costs before you rented? Better yet, if you know who the previous tenants were, ask them. Maybe ask yo... | 5 | smugbug23 | 1,702,607,426 | My power bill tripled from last month | I have been living alone in a one bedroom apartment in Central Illinois for a few months. My power, which is through Ameren, usually costs 35ish dollars per month for about 150 kwh of electricity. For last billing cycle, the cost jumped to $95, and is already over that for this cycle. I assumed my bill would increase w... | 24 | aiden_saxon | 1,702,599,004 | ameren | personalfinance | https://www.reddit.com/r/personalfinance/comments/18imskc/my_power_bill_tripled_from_last_month/ |
16aow7k | jz8hhp6 | That old fridge is likely a massive energy hog. It's about 50 years old, and likely both electrically and thermally inefficient. Especially so if it's never been serviced. It may have lost refrigerant over time and is now working extra hard.
Also feel around your windows and doors for drafts. A little silicone caulk o... | 316 | AlphaTangoFoxtrt | 1,693,922,707 | Electric Bill $400/month | I cannot figure out why my electric bill is so high and has been this high for 4 years. I live in a 1500 square foot townhome and keep my AC around 72… I’m on budget billing because once I had a bill of $700 and I’m so freaked out by that happening again I’ve done budget billing for years. Even so, it’s like $423/mo. A... | 193 | punky_opposum | 1,693,921,971 | ameren | personalfinance | https://www.reddit.com/r/personalfinance/comments/16aow7k/electric_bill_400month/ |
16aow7k | jz8h1yp | You could make a small investment into a kill-a-watt or a comparable device and see what the refrigerator consumes and test your other consumers to get an idea of where there is an opportunity to save.
https://en.wikipedia.org/wiki/Kill\_A\_Watt | 55 | curious_fish | 1,693,922,547 | Electric Bill $400/month | I cannot figure out why my electric bill is so high and has been this high for 4 years. I live in a 1500 square foot townhome and keep my AC around 72… I’m on budget billing because once I had a bill of $700 and I’m so freaked out by that happening again I’ve done budget billing for years. Even so, it’s like $423/mo. A... | 193 | punky_opposum | 1,693,921,971 | ameren | personalfinance | https://www.reddit.com/r/personalfinance/comments/16aow7k/electric_bill_400month/ |
16aow7k | jza2jc4 | Some years ago my wife and I moved into a new duplex. The first summer there out electric bill was way above what we thought it should be. We did usual stuff, cut back on the AC, minimized other appliance usage, but the bill kept getting higher.
The meters to both duplexes were on the opposite side of the building, so... | 18 | DavidnNC | 1,693,943,602 | Electric Bill $400/month | I cannot figure out why my electric bill is so high and has been this high for 4 years. I live in a 1500 square foot townhome and keep my AC around 72… I’m on budget billing because once I had a bill of $700 and I’m so freaked out by that happening again I’ve done budget billing for years. Even so, it’s like $423/mo. A... | 193 | punky_opposum | 1,693,921,971 | ameren | personalfinance | https://www.reddit.com/r/personalfinance/comments/16aow7k/electric_bill_400month/ |
16aow7k | jz8g54c | Review your bills over the decade.
* Has your kWh usage gone up?
* Have the billing rates ($ per kWh) gone up?
p.s. 72 F is kind of low on thermostat. | 146 | DeluxeXL | 1,693,922,212 | Electric Bill $400/month | I cannot figure out why my electric bill is so high and has been this high for 4 years. I live in a 1500 square foot townhome and keep my AC around 72… I’m on budget billing because once I had a bill of $700 and I’m so freaked out by that happening again I’ve done budget billing for years. Even so, it’s like $423/mo. A... | 193 | punky_opposum | 1,693,921,971 | ameren | personalfinance | https://www.reddit.com/r/personalfinance/comments/16aow7k/electric_bill_400month/ |
16aow7k | jz8fw5h | old fridges are energy hogs. So ya a fridge from the 70s can run a bill up a lot | 11 | hijinks | 1,693,922,119 | Electric Bill $400/month | I cannot figure out why my electric bill is so high and has been this high for 4 years. I live in a 1500 square foot townhome and keep my AC around 72… I’m on budget billing because once I had a bill of $700 and I’m so freaked out by that happening again I’ve done budget billing for years. Even so, it’s like $423/mo. A... | 193 | punky_opposum | 1,693,921,971 | ameren | personalfinance | https://www.reddit.com/r/personalfinance/comments/16aow7k/electric_bill_400month/ |
16aow7k | jz8h8fv | Buy a kill a watt device to check on your fridge energy use. Do you have a heat pump or furnace? Wondering if the backup heat is somehow stuck on. Do you have an electric water heater? Check what temperature it is set on.
For what it’s worth my house is much larger than yours and our electric bill tops out at around ... | 13 | mw4239 | 1,693,922,614 | Electric Bill $400/month | I cannot figure out why my electric bill is so high and has been this high for 4 years. I live in a 1500 square foot townhome and keep my AC around 72… I’m on budget billing because once I had a bill of $700 and I’m so freaked out by that happening again I’ve done budget billing for years. Even so, it’s like $423/mo. A... | 193 | punky_opposum | 1,693,921,971 | ameren | personalfinance | https://www.reddit.com/r/personalfinance/comments/16aow7k/electric_bill_400month/ |
16aow7k | jzbh3sz | I'm an energy auditor for work. Part of what I do are electric audits and track peoples consumption. See where it's going.
1. Get rid of that old fridge. It's draining your electricity
2. What is your source of hot water. Is it an electric tank? Those are very expensive to run and I see they'll cost people in my area... | 11 | robertdoleson | 1,693,963,123 | Electric Bill $400/month | I cannot figure out why my electric bill is so high and has been this high for 4 years. I live in a 1500 square foot townhome and keep my AC around 72… I’m on budget billing because once I had a bill of $700 and I’m so freaked out by that happening again I’ve done budget billing for years. Even so, it’s like $423/mo. A... | 193 | punky_opposum | 1,693,921,971 | ameren | personalfinance | https://www.reddit.com/r/personalfinance/comments/16aow7k/electric_bill_400month/ |
16aow7k | jz8gpjw | Your house may also be less insulated than others near you. You can get an energy audit done to identify any failpoints (after addressing the obvious issue of the old fridge) and see if you need more insulation, new windows, etc. | 29 | Individual-Foxlike | 1,693,922,419 | Electric Bill $400/month | I cannot figure out why my electric bill is so high and has been this high for 4 years. I live in a 1500 square foot townhome and keep my AC around 72… I’m on budget billing because once I had a bill of $700 and I’m so freaked out by that happening again I’ve done budget billing for years. Even so, it’s like $423/mo. A... | 193 | punky_opposum | 1,693,921,971 | ameren | personalfinance | https://www.reddit.com/r/personalfinance/comments/16aow7k/electric_bill_400month/ |
16aow7k | jz8jyqe | > I even go out of my way to unplug things and turn off lights more often at this point but nothing helps
Lights, and most things use so little electricity that it's not going to make a noticeable difference. An LED bulb left on for 8 hours a day will cost like 30 cents a month to operate. Things like TVs, small appli... | 17 | t-poke | 1,693,923,639 | Electric Bill $400/month | I cannot figure out why my electric bill is so high and has been this high for 4 years. I live in a 1500 square foot townhome and keep my AC around 72… I’m on budget billing because once I had a bill of $700 and I’m so freaked out by that happening again I’ve done budget billing for years. Even so, it’s like $423/mo. A... | 193 | punky_opposum | 1,693,921,971 | ameren | personalfinance | https://www.reddit.com/r/personalfinance/comments/16aow7k/electric_bill_400month/ |
16aow7k | jza40q8 | Is your meter near your neighbors? I had the reverse of this issue at a condo i lived in. The electrical company was billing my electric use to my neighbor. was about a year before the mistake was realized, I was still getting charged for service, just not usage. | 7 | Tbone5711 | 1,693,944,138 | Electric Bill $400/month | I cannot figure out why my electric bill is so high and has been this high for 4 years. I live in a 1500 square foot townhome and keep my AC around 72… I’m on budget billing because once I had a bill of $700 and I’m so freaked out by that happening again I’ve done budget billing for years. Even so, it’s like $423/mo. A... | 193 | punky_opposum | 1,693,921,971 | ameren | personalfinance | https://www.reddit.com/r/personalfinance/comments/16aow7k/electric_bill_400month/ |
16aow7k | jzbr3iz | Turn off everything. Check meter. Then turn on one appliance at a time. Something is an electric hog. | 6 | MrFixeditMyself | 1,693,967,280 | Electric Bill $400/month | I cannot figure out why my electric bill is so high and has been this high for 4 years. I live in a 1500 square foot townhome and keep my AC around 72… I’m on budget billing because once I had a bill of $700 and I’m so freaked out by that happening again I’ve done budget billing for years. Even so, it’s like $423/mo. A... | 193 | punky_opposum | 1,693,921,971 | ameren | personalfinance | https://www.reddit.com/r/personalfinance/comments/16aow7k/electric_bill_400month/ |
16aow7k | jzanmkt | Its all those bitcoin miners the neighbor has hooked up lol jk. Shut off the main circuit and check ur meter. Have an inspection done. | 5 | Silverbenji | 1,693,951,256 | Electric Bill $400/month | I cannot figure out why my electric bill is so high and has been this high for 4 years. I live in a 1500 square foot townhome and keep my AC around 72… I’m on budget billing because once I had a bill of $700 and I’m so freaked out by that happening again I’ve done budget billing for years. Even so, it’s like $423/mo. A... | 193 | punky_opposum | 1,693,921,971 | ameren | personalfinance | https://www.reddit.com/r/personalfinance/comments/16aow7k/electric_bill_400month/ |
16aow7k | jzatz6c | Get off the budget billing asap. Then be smart with usage. Listen to some of the ideas on here. Your big power usage comes from HVAC, water heater, and oven. That old fridge is probably costing you a little chunk. Find a newer used one on Marketplace. There are always fridges on there that have a bad icemaker or someth... | 9 | Equal-Ad-92 | 1,693,953,708 | Electric Bill $400/month | I cannot figure out why my electric bill is so high and has been this high for 4 years. I live in a 1500 square foot townhome and keep my AC around 72… I’m on budget billing because once I had a bill of $700 and I’m so freaked out by that happening again I’ve done budget billing for years. Even so, it’s like $423/mo. A... | 193 | punky_opposum | 1,693,921,971 | ameren | personalfinance | https://www.reddit.com/r/personalfinance/comments/16aow7k/electric_bill_400month/ |
16aow7k | jz9jcwi | Unplug the fridge in the garage for a month.
Turn AC to 76 or better yet 78. Dehumidified air at 78 should be comfortable.
See what the bill is.
Also- townhome so maybe ask an electrician to come out and make sure there aren't any illegal hookups to your electric supply. | 6 | thingsorfreedom | 1,693,936,332 | Electric Bill $400/month | I cannot figure out why my electric bill is so high and has been this high for 4 years. I live in a 1500 square foot townhome and keep my AC around 72… I’m on budget billing because once I had a bill of $700 and I’m so freaked out by that happening again I’ve done budget billing for years. Even so, it’s like $423/mo. A... | 193 | punky_opposum | 1,693,921,971 | ameren | personalfinance | https://www.reddit.com/r/personalfinance/comments/16aow7k/electric_bill_400month/ |
16aow7k | jz9kwn6 | AC at 72 and you wonder why you have a high bill?
Other than them having solar and crazy insulation I don’t see how bigger houses would have a $250 bill. My power bill jumps from winter around $80 to $350+ in the summer, and I set it to 77. Forgot to mention I’m in AZ/ Phx | 5 | nealfive | 1,693,936,899 | Electric Bill $400/month | I cannot figure out why my electric bill is so high and has been this high for 4 years. I live in a 1500 square foot townhome and keep my AC around 72… I’m on budget billing because once I had a bill of $700 and I’m so freaked out by that happening again I’ve done budget billing for years. Even so, it’s like $423/mo. A... | 193 | punky_opposum | 1,693,921,971 | ameren | personalfinance | https://www.reddit.com/r/personalfinance/comments/16aow7k/electric_bill_400month/ |
qejas1 | hhuuroz | Advice in this thread is all over the place seems there's no real answer.
"Don't hold onto cash" isn't an answer if your solution is taking big risks. | 106 | LightningsHeart | 1,635,080,340 | What are some helpful financial behaviors in a period of inflation? | Listening to NPR's Planet Money, they seem to have a thesis that prices are high because everything is stuck on a boat. My local gravel quarry has raised their price for a load of gravel, a commodity I need for my rural driveway, from $280 to $300, and November 1 it goes up another 10%. As I told the delivery driver... | 1,018 | Henri_Dupont | 1,635,043,393 | ameren | personalfinance | https://www.reddit.com/r/personalfinance/comments/qejas1/what_are_some_helpful_financial_behaviors_in_a/ |
qejas1 | hhuo4bd | With this on mind- is it worst to overpay for a house. Assuming 20% (or more) down payment to use liquid savings that are losing value with inflation. Or lose value from those savings waiting for house prices to stabilize. What factors would swing the decision one way or another? For examples: how long staying in the p... | 43 | a_mulher | 1,635,076,186 | What are some helpful financial behaviors in a period of inflation? | Listening to NPR's Planet Money, they seem to have a thesis that prices are high because everything is stuck on a boat. My local gravel quarry has raised their price for a load of gravel, a commodity I need for my rural driveway, from $280 to $300, and November 1 it goes up another 10%. As I told the delivery driver... | 1,018 | Henri_Dupont | 1,635,043,393 | ameren | personalfinance | https://www.reddit.com/r/personalfinance/comments/qejas1/what_are_some_helpful_financial_behaviors_in_a/ |
qejas1 | hhtngfd | Do. Not. Hold. Cash. That's the absolute worst thing you can do when inflation is up. If you're serious about a major purchase and are sure you won't regret it later, do it now, BUT don't go broke for it. Sink your extra cash into investments that can beat inflation if you can.
And, of course, don't let some weeb on t... | 283 | commandrix | 1,635,047,930 | What are some helpful financial behaviors in a period of inflation? | Listening to NPR's Planet Money, they seem to have a thesis that prices are high because everything is stuck on a boat. My local gravel quarry has raised their price for a load of gravel, a commodity I need for my rural driveway, from $280 to $300, and November 1 it goes up another 10%. As I told the delivery driver... | 1,018 | Henri_Dupont | 1,635,043,393 | ameren | personalfinance | https://www.reddit.com/r/personalfinance/comments/qejas1/what_are_some_helpful_financial_behaviors_in_a/ |
qejas1 | hhth0w0 | >Listening to NPR's Planet Money, they seem to have a thesis that prices are high because everything is stuck on a boat.
Planet Money and the Indicator talk about the current inflation things a lot, and they have a much more sophisticated view on it than this. Some is on a boat, some needs microchips, some is caught u... | 135 | PassTheTendies | 1,635,044,450 | What are some helpful financial behaviors in a period of inflation? | Listening to NPR's Planet Money, they seem to have a thesis that prices are high because everything is stuck on a boat. My local gravel quarry has raised their price for a load of gravel, a commodity I need for my rural driveway, from $280 to $300, and November 1 it goes up another 10%. As I told the delivery driver... | 1,018 | Henri_Dupont | 1,635,043,393 | ameren | personalfinance | https://www.reddit.com/r/personalfinance/comments/qejas1/what_are_some_helpful_financial_behaviors_in_a/ |
qejas1 | hhusuc0 | Steel has gone up an incredible amount. Most people don't fully realize how this works. When steel goes way up, the steel places don't want to stock a bunch. If a factory is doing a big job, that makes quoting very hard. They may not be able to buy all the materials they need for a job. Clauses are written into th... | 13 | Distributor127 | 1,635,079,214 | What are some helpful financial behaviors in a period of inflation? | Listening to NPR's Planet Money, they seem to have a thesis that prices are high because everything is stuck on a boat. My local gravel quarry has raised their price for a load of gravel, a commodity I need for my rural driveway, from $280 to $300, and November 1 it goes up another 10%. As I told the delivery driver... | 1,018 | Henri_Dupont | 1,635,043,393 | ameren | personalfinance | https://www.reddit.com/r/personalfinance/comments/qejas1/what_are_some_helpful_financial_behaviors_in_a/ |
qejas1 | hhunk3p | Quite interesting, cause I am currently in country with serious inflation rate due to coup and intense resistance movement. Hope I will find tips on helping some people who can't flee the country and have to endure the inflation.
P.S. We don't have reliable credit bureau here. Credit system is more like uncharted wate... | 12 | srona22 | 1,635,075,795 | What are some helpful financial behaviors in a period of inflation? | Listening to NPR's Planet Money, they seem to have a thesis that prices are high because everything is stuck on a boat. My local gravel quarry has raised their price for a load of gravel, a commodity I need for my rural driveway, from $280 to $300, and November 1 it goes up another 10%. As I told the delivery driver... | 1,018 | Henri_Dupont | 1,635,043,393 | ameren | personalfinance | https://www.reddit.com/r/personalfinance/comments/qejas1/what_are_some_helpful_financial_behaviors_in_a/ |
qejas1 | hhuyjjn | Is this a good time to refinance a mortgage and pull out capital for other investments? Or let it ride and keep the low payment? | 5 | Baked_potato123 | 1,635,082,471 | What are some helpful financial behaviors in a period of inflation? | Listening to NPR's Planet Money, they seem to have a thesis that prices are high because everything is stuck on a boat. My local gravel quarry has raised their price for a load of gravel, a commodity I need for my rural driveway, from $280 to $300, and November 1 it goes up another 10%. As I told the delivery driver... | 1,018 | Henri_Dupont | 1,635,043,393 | ameren | personalfinance | https://www.reddit.com/r/personalfinance/comments/qejas1/what_are_some_helpful_financial_behaviors_in_a/ |
qejas1 | hhwexvj | Siri g periods of high inflation the Fed will raise interest rates to “slop up dollars” from the system. This means ALL interest rates would go up.
Therefore, if you have fixed rate stuff you would slow down paying it in favor of paying variable rate debt.
So, lock in the 3% mortgage, or 0% car loan now. Pay of... | 5 | Merlin560 | 1,635,104,726 | What are some helpful financial behaviors in a period of inflation? | Listening to NPR's Planet Money, they seem to have a thesis that prices are high because everything is stuck on a boat. My local gravel quarry has raised their price for a load of gravel, a commodity I need for my rural driveway, from $280 to $300, and November 1 it goes up another 10%. As I told the delivery driver... | 1,018 | Henri_Dupont | 1,635,043,393 | ameren | personalfinance | https://www.reddit.com/r/personalfinance/comments/qejas1/what_are_some_helpful_financial_behaviors_in_a/ |
qejas1 | hhuvmzx | I work with draymen pulling containers for customers. You’d be surprised that gravel very well could be imported. I work w a freight forwarder who exclusively did stone. | 10 | SvddenlyFirm | 1,635,080,844 | What are some helpful financial behaviors in a period of inflation? | Listening to NPR's Planet Money, they seem to have a thesis that prices are high because everything is stuck on a boat. My local gravel quarry has raised their price for a load of gravel, a commodity I need for my rural driveway, from $280 to $300, and November 1 it goes up another 10%. As I told the delivery driver... | 1,018 | Henri_Dupont | 1,635,043,393 | ameren | personalfinance | https://www.reddit.com/r/personalfinance/comments/qejas1/what_are_some_helpful_financial_behaviors_in_a/ |
qejas1 | hhuqmki | What would I do to not lose out on value for my emergency fund? I have several months worth of income saved for an event in which I were to lose my job or pay for medical emergencies... I definitely don't want that to lose value | 6 | ashteif8 | 1,635,077,870 | What are some helpful financial behaviors in a period of inflation? | Listening to NPR's Planet Money, they seem to have a thesis that prices are high because everything is stuck on a boat. My local gravel quarry has raised their price for a load of gravel, a commodity I need for my rural driveway, from $280 to $300, and November 1 it goes up another 10%. As I told the delivery driver... | 1,018 | Henri_Dupont | 1,635,043,393 | ameren | personalfinance | https://www.reddit.com/r/personalfinance/comments/qejas1/what_are_some_helpful_financial_behaviors_in_a/ |
kje37j | ggxbuss | Yes that is how an IPO works. The company gets guaranteed cash for their shares based on the underwriter's valuation. The underwriter gets to profit off the spread by selling it to subscribers - these are the rich people who get to buy in before it's publicly traded. The underwriter has to buy any remaining shares not ... | 5 | Adderalin | 1,608,839,240 | Underwriter positions | I'm trying to determine if the underwriters (namely, Cantor Fitzgerald) for a certain IPO retain shares of the company they helped IPO (namely, Nanox Vision). From the company [prospectus](https://investors.nanox.vision/static-files/5810c5f6-62b1-4d96-b9fd-b74c73aadbf3) it looks like Cantor got 4.3M shares to sell ... | 13 | GloomySubject9256 | 1,608,810,164 | 3m | investing | https://www.reddit.com/r/investing/comments/kje37j/underwriter_positions/ |
1kuq912 | mu3lrmq | A shit company trading for 8xPE?
Why wouldn't I just buy ANF which is currently trading at 4xPE? Buybacks and is actually a reliable business unlike INBP.
Just a quick glance over the financials and I can tell I wouldn't put a single cent into that stock. | 5 | TheSpinBoy | 1,748,135,220 | INBP - small company, but unbelievably cheap | Been buying a bit recently after they reported strong calendar Q1 results.
Company is a vitamin/supplement manufacturer with major customers of Life Extension and Herbalife.
Trading for $0.33. CY Q1 eps was $0.02/share. Trailing annual eps around $0.04.
Market cap around $10m, with $3m in cash and no debt. So EV of ... | 15 | Holla_Ackbar | 1,748,133,995 | 3m | ValueInvesting | https://www.reddit.com/r/ValueInvesting/comments/1kuq912/inbp_small_company_but_unbelievably_cheap/ |
4phs31 | d4l20bw | >At March 31, 2016, we had $65.7 million of cash and cash equivalents, a decrease of $8.4 million from $74.1 million at 2015 year-end. We expect that this amount will be sufficient to fund operations as currently anticipated beyond one year. We have historically funded our operations to a significant extent from capita... | 5 | null | 1,466,703,445 | $PGNX - Some shit DD | Let's talk about Progenics Pharma.
Overview
PGNX is a small cap (327M) biotech that's currently trading around 4.7 a share. They are know for their cancer products and have a very specific focus on prostate cancer, which is a extremely common cancer that kills 1 in 39 men every year.
Financials
This company ha... | 30 | Bezoekt | 1,466,701,372 | abbvie | wallstreetbets | https://www.reddit.com/r/wallstreetbets/comments/4phs31/pgnx_some_shit_dd/ |
1310eto | jhykbji | Aren’t the FTD numbers also massively underreported due to CNS accounting loopholes? | 5 | ronoda12 | 1,682,624,372 | FTDs again. | Not much to say this time. Still way too many FTDs. Nothings changed. Buy, directly register, terminate plan, hold, comment and shop. The point of this post is to show how wide-spread the issue is. FTD's are everywhere. That said GME is the only stock for me.
***SETTLEMENT DATE|CUSIP|SYMBOL|QUANTITY (FAILS)|DESCRIPTIO... | 95 | waitingonawait | 1,682,618,507 | aflac | Superstonk | https://www.reddit.com/r/Superstonk/comments/1310eto/ftds_again/ |
1klu1v7 | ms6ic3r | OMG something new and exciting....wait....it's not like we didn't see Airbnb experiences get paused in 2023 b/c it sucked and no one wanted/liked it....ended up being a giant money pit. | 6 | chopsui101 | 1,747,178,995 | Airbnb Revamps App With Luxury Services, Curated Tours in Push Beyond Stays | https://www.bloomberg.com/news/articles/2025-05-13/airbnb-revamps-app-with-luxury-services-offering-redesigned-experiences
> After more than a year of teasing expansion plans beyond home rentals, Airbnb Inc. launched an overhauled app that’s not just for homeowners and travelers, but also for personal chefs, hair styl... | 13 | joe4942 | 1,747,162,256 | airbnb | stocks | https://www.reddit.com/r/stocks/comments/1klu1v7/airbnb_revamps_app_with_luxury_services_curated/ |
mamqll | grt0ea5 | Did Cathie lick her finger and hold it in the air prior to that prediction? Feels like a dubiously round number way too far out for anyone to remember later. Is this just a sad attempt at market manipulation? I like ARK (particularly F) but come on... | 5 | cajone5 | 1,616,417,519 | (3/22) Monday's Pre-Market Stock Movers & News | #Good Monday morning traders and investors of the r/stocks sub! Welcome to the new trading week! Here are your pre-market stock movers & news on this Monday, March 22nd, 2021-
*****
# [5 things to know before the stock market opens Monday](https://www.cnbc.com/2021/03/22/5-things-to-know-before-the-stock-market-opens... | 15 | bigbear0083 | 1,616,417,262 | airbnb | stocks | https://www.reddit.com/r/stocks/comments/mamqll/322_mondays_premarket_stock_movers_news/ |
5ycuvo | dep5exe | I'm certainly bullish about Expedia as well. Homeaway is an exciting asset - no doubt about it. Along with Expedia, one should examine Trivago $TRVG. Another online travel agency of sorts, who happens to be 62% owned by Expedia. Thus it stands to reason that if Expedia does well, so should Trivago. | 5 | Praetorian-Group | 1,489,039,674 | Expedia Stock Pitch | My take on Expedia...
Expedia Stock Pitch (EXPE – 3/1/2017) – $120.54
(All data recorded on the above date)
Buy Expedia!!!
Expedia is an online travel agency that allows customers to book hotel rooms, vacation rentals, air tickets, rental cars, cruises, and more. The company operates under many brands, including Exp... | 27 | Gthom9 | 1,489,031,452 | airbnb | StockMarket | https://www.reddit.com/r/StockMarket/comments/5ycuvo/expedia_stock_pitch/ |
y26dk0 | is1aqwg | I bonds are the hotness these days, but 10K max if I read it right. Maybe there are loopholes/clever ways to get around it?
Brokered CD ladders is another way to avoid the market.
Otherwise, in your shoes, Id:
Live off savings while I loaded up 401K and IRA to max. HSA too if applicable.
Dump everything else into t... | 6 | PrisonMike2020 | 1,665,590,670 | I have 50K available on top of my emergency funds and savings. Where should I look to invest? | I have a 30 year fixed mortgage with very low interest on my current place so doesn't make sense to pay off the mortgage. I have about 35 K in emergency funds and about 50 K in savings. No kids (but tryingfor one). Wife is in early 30s and I am late 30s almost 40. We both have decent jobs and bring in 250k pre taxes co... | 10 | gameon-manhattan | 1,665,587,204 | airbnb | FinancialPlanning | https://www.reddit.com/r/FinancialPlanning/comments/y26dk0/i_have_50k_available_on_top_of_my_emergency_funds/ |
n34qrk | gwnnvrb | Thanks for taking the time to all of this. | 5 | totes_a_biscuit | 1,619,960,419 | Wall Street Week Ahead for the trading week beginning May 3rd, 2021 | Goooooood Sunday morning to all of you here on r/StockMarket. I hope everyone on this sub made out pretty nicely in the market this past week, and is ready for the new trading week ahead.
Here is everything you need to know to get you ready for the trading week beginning May 3rd, 2021.
# **More earnings, April’s big ... | 35 | bigbear0083 | 1,619,955,814 | allstate | StockMarket | https://www.reddit.com/r/StockMarket/comments/n34qrk/wall_street_week_ahead_for_the_trading_week/ |
lffs4w | gmlhhh4 |
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^(*I am a bot, and this comment was made automatically.*) ^(Please) [^(contact)^( )^(us)^( )^(via)^( )^(modmail)](https://www.reddit.com/message/compose?to=/r/pe... | 5 | PennyPumper | 1,612,802,540 | ALST - COVID Play With Very Low Float | Allstate Health Brands Inc ($ALST) is currently trading at $0.13 and could get up to $1 by the end of the month and $3-$5 by the end of the year.
Allstate Health Brands recently announced expansion of COVID-19 testing initiatives... | 23 | BrandonMarcoux | 1,612,802,526 | allstate | pennystocks | https://www.reddit.com/r/pennystocks/comments/lffs4w/alst_covid_play_with_very_low_float/ |
cw7995 | ey8t8m2 | Can anyone explain why so many options have the 9/20 expiration? I mean, it is a Friday but is there other significance ? | 5 | po-handz | 1,566,927,792 | Options Market 8-27-19 | S*ource: Schwab Center for Financial Research*
**Today’s Bullish Activity**
Shares of Dow-component **Johnson & Johnson Inc. (JNJ + $2.30 to $130.10)** are gapping up following news that an Oklahoma judge ruled that the healthcare giant must pay $572M for its part in fueling the U.S. opioid epidemic. The stock is mo... | 29 | TodayInTheMahket | 1,566,925,228 | altria | wallstreetbets | https://www.reddit.com/r/wallstreetbets/comments/cw7995/options_market_82719/ |
16gb7ux | k07lusz | I wrote a post about it yesterday. Go check it out and read my reply in the comments too, it'll be helpful in understanding why BAT is at a larger discount than the other tobacco companies. | 7 | LeBourruBienfaisant | 1,694,490,163 | British American Tobacco | I understand why Tobacco companies deserve a big discount due to the long term uncertainty with their business model.
But why is BAT trading at a valuation so much lower than Philip Morris international or even Altria? BAT is the leader in so many international markets and is one of the leading e-cig companies. BAT p/... | 17 | WindHero | 1,694,475,187 | altria | ValueInvesting | https://www.reddit.com/r/ValueInvesting/comments/16gb7ux/british_american_tobacco/ |
1gb96ql | ltmtbyq | All I know is SMR went on a fucking tear right after I sold and I haven’t bought back in which means it’s probably going to keep performing well | 5 | BleednHeartCapitlist | 1,729,830,045 | Is $SMR facing badluck or it will eventually breakthough? | Badluck
1. This past November, the Utah Associated Municipal Power Systems, or UAMPS, terminated what was to be “the first NuScale Power small modular reactor plant to begin operation in the United States.” This was a death foretold; the red flags have been obvious for years now.
https://www.utilitydive.com/news/nusc... | 19 | ethereal3xp | 1,729,793,280 | amazon | stocks | https://www.reddit.com/r/stocks/comments/1gb96ql/is_smr_facing_badluck_or_it_will_eventually/ |
1bp2k0k | kwsuj78 | Constellation Energy has been good to me. | 5 | Perfect__Crime | 1,711,549,116 | These are the stocks on my watchlist (3/27) |
**Hi! I am an ex-prop trader that trades equities.**
This is a watchlist. I might trade all of the stocks on here, or none of them, on any given day. I might trade stocks that don't appear on here! I hold no positions in any stocks long-term but Amazon/Mag7/general broad market indices. (unless otherwise noted i... | 27 | WinningWatchlist | 1,711,547,965 | amazon | StockMarket | https://www.reddit.com/r/StockMarket/comments/1bp2k0k/these_are_the_stocks_on_my_watchlist_327/ |
ln0ikp | gny9hz7 | Is it normal for all the insider trading to be selling? From what I'm reading on the internet's there's like no ownership | 7 | Buhsketty | 1,613,694,505 | UAVS in now a once in a lifetime play | UPDATE: https://finance.yahoo.com/news/ageagle-aerial-systems-responds-false-130500072.html
+25% premarket. Still time to enter
Most of you who are reading this have probably never heard of the American drone company AgEagle Aerial Systems (ticker $UAVS) and a few of you probably have. I have been following the compa... | 24 | BrazyNeurologist | 1,613,690,816 | amazon | options | https://www.reddit.com/r/options/comments/ln0ikp/uavs_in_now_a_once_in_a_lifetime_play/ |
8qzgtl | e0oux07 | I meant to get in touch about this when I saw it this morning. Your first imgur link is bad. I didn't have time to check the rest and was sure you'd want to correct it before someone saved this from the modqueue. | 5 | CardinalNumber | 1,529,021,271 | Multi-leg options: A Robinhoodie delight | Multi-leg options, also known as *spreads*, are a Robinhoodie delight. Here is why I think you should be trading them. To be successful in options, you want to: make highly profitable trades + that has lower risk + with less capital. And trading spreads help you achieve exactly that. You don't have to put in a lot of m... | 38 | vikkee57 | 1,528,955,706 | amazon | RobinHood | https://www.reddit.com/r/RobinHood/comments/8qzgtl/multileg_options_a_robinhoodie_delight/ |
6f06y3 | dif5jv9 | What's the timeline for when we should know?
Good DD | 5 | The_Victim | 1,496,526,468 | Little DD on $RAD: | **Intro**
As many of you already know, Rite-Aid has been trying to merge with Walgreens for eons. Stars have been born, survived for billions of years, and expired, all within the time frame of this merger. But alas, it looks like the end has come for $RAD at last. Similar to the stars that have stopped shining, the s... | 14 | OnlyWeiOut | 1,496,478,780 | amazon | RobinHood | https://www.reddit.com/r/RobinHood/comments/6f06y3/little_dd_on_rad/ |
1lkla4u | mzt5bg7 | https://www.teladochealth.com/newsroom/press/teladoc-health-joins-amazons-health-benefits-connector-for-cardiometabolic-programs | 5 | NonimiJewelry | 1,750,902,791 | $TALK: Zero Debt, $100M Cash, Amazon Partnership — Catalysts Brewing as More States & Insurers Come Online | 5 Reasons $TALK May Quietly Grind Higher:
1. Zero Debt + $100M Cash – Talkspace has one of the cleanest balance sheets in the entire small-cap health tech space. No interest burden and strong liquidity = long runway for growth and acquisition targets.
2. State-by-State Expansion – More states are going live with Ta... | 14 | Create_Freedomnow | 1,750,894,993 | amazon | pennystocks | |
ts5jmk | i2pxuud | This does look interesting but even with a new ceo in place this month and projected forecast the ever dropping stock since inception scares me. I might toss a hundred or two in just to see what happens over the next year.. | 5 | ITSl4ve | 1,648,651,306 | $BRGO drops strong 10-k late yesterday follow up with PR this morning | Hello, hope everyone is well.
Bergio International - a company that transformed itself in 2021 from a $600k/yr revenue brick and mortar jewelry store (in 2020) to a company that did $11m in rev in 2021 with $27.5m projected (with 3.3m projected profit) for 2022.
The $11m in 2021 revenue is confirmable by the 10-k tha... | 28 | TheLastJewmurai | 1,648,644,088 | amazon | pennystocks | https://www.reddit.com/r/pennystocks/comments/ts5jmk/brgo_drops_strong_10k_late_yesterday_follow_up/ |
j389cn | g7a72c2 | This is the goal for you - awesome. Why are you not reinvesting? The concept for dividends to pay for your expenses is cool and all, but after 3 years of expenses that are covered by dividends, what are you left with? Paid off expenses and the **same** amount of shares that you started with 3 years ago. I personally wo... | 5 | MyFinanceName | 1,601,558,665 | Dividend Investing - Eureka | Why do we invest in dividend investing? For some, if not most people, it's to make a passive income stream or to achieve Financial Independence. That's the goal for me.
Every month, I would track the dividends I earn and compare it to the previous year. This is great because on any given day I can look and see ho... | 11 | DividendPortfolio | 1,601,557,802 | amazon | dividends | https://www.reddit.com/r/dividends/comments/j389cn/dividend_investing_eureka/ |
10qprda | j879djl | Extrapolate this to the whole market. BTC was trading at $16.Xk a few weeks ago. It "falling" to $21k is actually a great sign. You want rallies to hit higher peaks and fall to higher lows. | 5 | sickvisionz | 1,676,174,726 | Monthly Optimists Discussion - February 2023 | Welcome to the Monthly Optimists Discussion thread. As the title implies, the purpose of this thread is to promote discussion which is guardedly optimistic about cryptocurrency topics. This thread is intended to be a counterweight to the Skeptics Discussion thread and will be pinned when the markets are bearish.
Pleas... | 36 | CryptoOptimists- | 1,675,245,850 | amazon | CryptoCurrency | https://www.reddit.com/r/CryptoCurrency/comments/10qprda/monthly_optimists_discussion_february_2023/ |
prlclt | hdji2hj | The dark side clouds everything. Impossible to see the light, the future is. | 5 | churchofbabyyoda420 | 1,632,103,326 | Why Is Web 3.0 Important? |
# General Conclusion
In early 2021, we had discussions on the idea of building a decentralised Internet, commonly referred to as Web 3.0.
* In the United States President Trump has been banned from using Twitter, and Parler, which uses AWS services, has been removed from PlayStore and AppStore.
* WhatsApp has ann... | 14 | economicsdesign | 1,632,103,142 | amazon | CryptoMarkets | https://www.reddit.com/r/CryptoMarkets/comments/prlclt/why_is_web_30_important/ |
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