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Some of us don't have an AA that is 100% stocks.

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https://www.msn.com/en-us/money/topstocks/giant-fund-sells-apple-tesla-intel-and-nvidia-stock/ar-AA1ay79V

I saw this earlier today. Looks like this $41 Billion fund is shedding its tech shares and picking up TBTF bank shares.

I’m hoping to be around for another 50 years. My overall AA is 70/30 and these would count towards the 30% fixed. Added bonus of not taking up Roth/401K space and 3rd tier emergency fund.

He adjusted to being a billionaire extremely well. This is what all billionaires wear. Here's gaben for example https://i.reddituploads.com/8077b3fb1eca49238b1aa848d4a674de?fit=max&h=1536&w=1536&s=64038ae5e4e6ffef52e4a312d2e43a0e

Well, Meta's platforms have always offered ways to target in ways that Google can't. That alone isn't going to be the key to their success or failure.

In fact, there are a lot of factors – their fights with Apple over data sharing and privacy, their relevance in a youth market dominated by TikTok (which may or may not be banned sometime, somewhere, who knows), their obsessions with metaverse stuff that may or may not ever go anywhere, and the lack of confidence in Zuckerberg's leadership – just to name a few.

Google/Alphabet still has a lot going for it, but it's definitely going to face more headwinds and disruption as people find new ways to search and discover information. But as flashy as gen AI is, the whole world won't suddenly turn on a dime – if only because Google owns the most popular web browser (by far) and an extremely popular mobile platform and you still have people who go to the Google search box to type "espn.com". The world is not as tech-savvy as a lot of Redditors think it is.

FDIC levels fraud accusations against Cross River bank (msn.com)

I have a set of aa aaa and 9v manufactured by ebl from Amazon. They work perfect for kids toys and things around the house. They charge very quickly. But there are a few that do not work right out of the box.

Here is some actionable advice if you are worried about it. It is the summary of Deep Risk by Bernstein.

Deep Risk – Young investors series

• 2 types of Risk
• Shallow Risk – loss of real capital that recovers relatively quickly
• Deep Risk – permanent loss of real capital
• You mind and your AA plays the biggest role in dealing with shallow risk
• Deep risk and how to deal with them
• Catastrophic Personal Loss of Capital – Death, disability, large legal judgement
  • Life, disability, and liability insurance
  • Adequate Emergency Fund
• Loss of investment discipline
  • Can turn shallow risk into deep risk
  • Appropriate AA and knowledge of market history
• Permanent loss of capital (negative real return over a 30-year period)
  • Severe, prolonged hyperinflation – hurts stocks and bonds but bonds more
    • Wide diversification among international markets
    • A tilt toward value stocks and commodity producing companies
    • Gold bullion
    • Inflation protected securities and annuities
    • Fixed rate mortgages
  • Severe, prolonged deflation – bad for stocks, good for bonds
    • Cash
    • Bonds
    • Gold Bullion
  • Confiscation
    • Foreign domiciled assets and adequate means of escape
  • Devastation or Geopolitical disaster
    • Foreign domiciled assets
• Gold bullion protects poorly against inflation and currency shocks
• Gold bullion does superbly with deflation
• Gold bullion does best when the public loses faith in the financial system
• Gold bullion is great for hyperinflation
• PME do not protect against deflation or certain disaster scenarios like gold bullion does
• You have to make choices as to what and how much you want to defend against
• Stocks in the US have done best when inflation ran between 0-4%.
• Stocks do protect against inflationary deep risk, but not in the short term. But they do protect against inflation in the long term
  • To put it another way stocks, protect against deep risk, but exacerbate shallow risk
• Widespread diversification of stocks protects against inflation because it is unlikely that all nations would have massive hyperinflation at once
• Inflation devastates bondholders. Especially when it is a surprise/unexpected.
• Investing in bonds when inflation is low is a bad strategy
• Fixed rate mortgage payments are also good for inflation
• We only have one instance in the modern era of deflation. That is Japan. And it only had a total of 2% deflation from 1995-2013. So, deflation should play a minor role in our deep risk
• A value tilt also provides protection against inflation. This worked in both domestic and international
• A growth tilt however provides protection against deflation.
• Inflation is the most likely of the scenarios to play out. But is the easiest to protect against.
  • International diversification
  • Value Tilt
  • PME
  • Natural Resource Stocks
  • Retired people should use TIPS
• Deflation is less likely with central banks and more expensive to defend against
  • T-bills and Long-Term Bonds – carries a very high cost should inflation occur and foregone stock returns
  • Gold Bullion
  • International diversification – best and cheapest to defend from deflation
• Confiscation comes in 2 forms – overt (unlikely) or taxation (more likely)
  • Foreign held gold or real estate. But both are cumbersome to maintain
• Military (Devastation) – low odds
  • Same as confiscation. Only work if the devastation is local and not global

The very next day...

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Once they started Day drinking on the Today show it was all over for moms.

Now it’s a bunch of lulu winos at AA lol

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I’m looking at the column Loans + HTM securities/total deposits (%)

Look similar to any other names on the list?

It is not going to recover in near future, as market will go to recession from here, esp after FED meeting this week. IMO, it is going to be horrible. I just sold TQQQ yesterday and bought SQQQs (anyway, that is my bet) https://imgur.com/p2Z93AA

This is my FRC now.

Can it be saved tomorrow?

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Excerpt:^1,2,3

>The Kremlin has taken control of the Russian subsidiaries of Finland’s Fortum and Germany’s Uniper, moves it said were a response to western confiscations of Russian assets.

>Dmitry Peskov, President Vladimir Putin’s spokesman, told reporters on Wednesday that the Kremlin wanted to establish a “compensation fund” to hit back against what he called “the illegal expropriation of Russian assets abroad”.

>Putin signed a decree late on Tuesday to “protect Russian property and national interests” by allowing the state to impose “temporary control” over the assets of companies from countries deemed unfriendly by the Kremlin.

>Such assets are to be placed under the control of Russia’s federal state asset management agency unless Putin decides otherwise, and only he can reverse the external control.

>While Unipro and Fortum’s Russia business were the only companies named in documents released alongside Putin’s decree, it said all companies linked to “unfriendly countries” could eventually be affected.

^1 Anastasia Stognei, Max Seddon, Richard Milne, and Laura Pitel (27 Apr. 2023), “Russia seizes subsidiaries of Finland’s Fortum and Germany’s Uniper”, https://www.ft.com/content/aa7ffb41-bcb9-4983-a312-1473fa0513b8

^2 Fortum (26 Apr. 2023), “Russia has issued a new presi­dential decree with impli­ca­tions on Fortum’s assets”, https://www.fortum.com/media/2023/04/inside-information-russia-has-issued-new-presidential-decree-implications-fortums-assets

^3 Uniper (26 Apr. 2023), “Russia places Unipro under state administration”, https://www.uniper.energy/news/russia-places-unipro-under-state-administration

Changed to Eneloops AA+AAA and never going back :)

They do seem to not last as long as Alkaline…but who cares I just swap them for some charged ones and throw those on the charger.

Congrats enjoy your new stage of life. A lot of your setup sounds similar to how me and the wife are setting up with 2 yrs left in work life. Im only struggling with what bonds to buy these last two years to get some bonds in the portfolio AA target. BND pretty popular fund that most are using?

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Cashed out £15k and kept the rest in to trade 👍🏼

Congratulations! I have an eerily similar situation to you (profession, NW, RE date, general plan, AA).

Curious of you're planning to change your residency to a no state tax state?

How did you decide on Cigna Global? I'm leaning towards the same (geo blue and Athena are $100 more for the same coverage), but wanted to see if I've missed anything.

What is your cell plan? I'm leaning towards moving to Google Voice with local sims for data.

Curious if you've seen NomadNumbers or listened to any podcasts they've done on slow travel? May be of interest to you.

Regarding sequence of return risk, if the market tanks, I plan on doing this: https://www.gocurrycracker.com/how-i-borrowed-over-250000-at-0-interest/ (something to look into)

I'm heavily into the credit card points game/churning. I've been booking travel and has saved me a ton. Something to look into if you're not already doing it.

FWIW, I don’t have that experience.

I’m using Amazon-branded rechargeable AA batteries in a photo study and have been pleased all around.

Jim keeps telling us what not to do by telling us what to do.

https://www.msn.com/en-us/money/companies/sanofi-cut-to-to-sell-at-deutsche-bank-on-q1-results-outlook/ar-AA1auiVw?ocid=FinanceShimLayer

This hobby is a huge rabbit hole. Expect to spend quite a bit of time up front (and ongoing) doing research to learn the best strategies and opportunities, which tend to change frequently, so adaptation is key.

Also, it is vital that you have excellent financial discipline. You need to maintain a significant cash reserve as you may occasionally find yourself in a position where you need to spend a lot of money quickly, and you must NEVER consider paying interest on a credit card or the entire value of this game will get severely diluted to the point beyond where it's worth it. If you're not debt free with $10K+ in the bank, I would reconsider pursuing this idea at this point. In any event, be cautious.

There are plenty of decent resources online about this activity. Seek them out and read them all. Learn about churning, airline and hotel loyalty programs, credit cards and what programs they're affiliated with for earning miles/points, transferable point programs offered by several of the major banks, and how airline alliances work for the redemption of points in one loyalty program on another airline.

As a simple example: Say you live in Dallas, and want to take a trip to Cancun (this is a trip I take often, so I'm familiar with it). American airlines has multiple flights there daily, many of which have "saver" level award availability. The typical rate is 20,000 miles each way in first class.

You could earn AAdvantage miles (American Airlines points currency) through one of several different Citibank or Barclaycard credit cards that offer points for spending, along with a large signup bonus after you spend a few thousand dollars in a certain timeframe. For this example, lets say you can earn 60000 miles for spending $3000 in 3 months. So you do that, then once you have the points, you can go to the AA website and purchase a round trip ticket to Cancun from DFW for 40000 miles. This would normally be a $1000 ticket if you paid cash. Not a bad deal for only spending money you would already have spent anyway.

But you can also earn Ultimate Rewards points through chase or Membership Rewards through American Express and transfer those points to one of their partners. You can't transfer them to Aadvantage, but you CAN transfer them to British Airways. British Airways doesn't have any of their own flights flying from DFW to Cancun, but they're part of the Oneworld Alliance, along with American Airlines, so miles in the BA Executive club loyalty program (called Avios) can be used to purchase a ticket on an AA flight that has award availability for a rate according to the British Airways partner award chart. Since this particular flight is less than 1150 miles, that means a round trip first class ticket will cost 33000 Avios. You can earn those Avios either by taking out one of the 3 Chase cards that earn Avios directly, or you can apply for one of the many Chase UR cards that earn Ultimate Rewards and then transfer them 1:1 to British Airways.

And while pursing signup bonuses is obviously the most lucrative method of earning points, you can also earn 5x the points per dollar spent by using the Ink Cash card to purchase gift cards (including Visa/MC gift cards) from office supply stores and then using those cards for your daily expenses. That's about half the rate of points earned through a sign up bonus, but you can fall back on this when you've run out of cards to sign up for. The terms say you can typically re-apply once every 2 years (or 4 years for Citibank, or once per "lifetime" for American Express).

You and your spouse (or other household co-habitation partner) can both individually take out the same cards and earn the same bonus and share the points between yourselves in most of the programs so obviously you'll want to work together on this. It goes without saying that establishing and maintaining perfect credit is paramount. Applying for and getting approved for 12+ credit cards a year might seem a bit crazy, and you'll have to learn out to navigate the various application restrictions (chase only allows 5 new accounts every 24 months, but business cards don't count toward that total). You'll occasionally get rejection letters that are complaining that you have TOO MUCH credit already, but you can still get approved by calling the bank and having them cancel or reduce credit lines on other cards. You'll also need to keep track of each card, when you applied, when you were approved, when you earned the bonus, and when you canceled it, so you'll know the earliest date to apply again. Not only that, you'll want to keep track of the typical and best offerings so you maximize the benefit when you apply for each product. Some cards come with other perks, like lounge access, which lately can be a bit hit or miss, but at least in the past has made long layovers in random airports slightly less annoying.

You'll also want to keep an eye out for lucrative spending opportunities that will give you a boost in points earning, probably only for a limited amount of time. Look up past events like the "redbird", dollar coins, pudding guy, etc. That way when opportunities like that appear, you can jump on them before they get shut down.

I could go on and on. And have.. It's a lot of fun, and you'll make mistakes along the way, but it's ultimately worth it for us. Whether it is for you is up to you to figure out. Good luck.

Stardew Valley, originally titled Sprout Valley. Technically correct but Eric Barone's publisher Chucklefish did the network programming for multiplayer -- which might be a little helpful on 'the lonely journey.' Mobile versions for iOS and Android were developed with help of The Secret Police.

Barone publicly announced the game in September 2012, using Steam's Greenlight system to gauge interest. This is called a smoke test. (Almost) nobody will do that.

In April 2015, Barone announced he intended to release the game only once he felt it was feature complete. MVPers are not going to do that.

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''someone mentioned the stock you're holding on WSB''

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I've narrowed my focus down to these tickers, haven't jumped in any yet this weekend as far as research tho (a lot I have done past DD on though so they aren't new by any stretch)

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That’s ok! I got burned out too which is why I stopped at AA. Honestly not the best student, but I’m a hard worker and was willing to put in 60 hours a week if needed to get the job done.

If you get into a large organization nowadays as long as you become “that worker” that is first one in , last one out, acts like they actually care (or better yet actually care about your work). You’ll rocket up to management or anywhere you want in the organization. Degrees are so saturated that it’s back to experience and character being king

(Unless you do STEM or medical of course) my fiancée is a nurse and swear to god she gets an email/text weekly from recruiters trying to get her to work at a hospital.

How weird is that that she gets frustrated from all her job offers lmao. If only everyone could be so lucky.

I have a friend that went to college for $40k for business administration. He now works at a bank with a bunch of people that don’t have a degree making the same as them.

To my knowledge business management/administration are very broad subjects. They don’t guarantee a job like perhaps an accounting degree which can lead to CPA certification.

If you’re early on, I’d consider maybe switching if possible. I’d even consider getting into a large organization now like Chase or BOA and then let them pay for your schooling.

All I have is my AA and started at a large bank making $16.35. Now making over $36 with unlimited OT when it’s busy and not once have I been limited by not having a degree. Once I hit that ceiling is when I’d consider for myself to go back to school on the companies dime.

Again just my 2 cents, not knocking education at all. Just acknowledging broad degrees can be not helpful

Is it a tax advantaged account? If so, rebalancing either way doesn't have any tax consequences.

In a taxable account there are tax consequences but you would have already triggered them with the sale of VTIAX and rebalancing back again will have relatively little additional impact provided you do so before the market moves much.

Either way, you should really not treat rebalancing as a casual activity. You should have a definite plan for how/when/why you will rebalance your accounts in advance. It's not something to consider doing just because you were thinking maybe it's a good idea.

If you find it hard to "stay the course" and not tinker with your AA, you might want to consider writing an Investment Policy Statement to commit to your asset allocation and rebalancing plan in advance. and you should rebalance it back to your intended asset allocation immediately.

In a taxable

Bagz out boiz.

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US Bank has to be close, every branch has 50 "vice presidents" they have to be hemorrhaging money on these asshats with an AA in business from their local community college

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Hardly worth sharing, which is why didn’t.

>What gives them "authority" for us to trust them?

Because they are mostly right.

Ratings agencies rate tens of thousands of bond issuers per year and they are statistically very accurate. Meaning that the group of bonds rated AAA default less than the AA bonds, which default less than the a bonds, etc.

You can find these statistics for out to 20 years on various websites.

It is true that the ratings agencies - all of them - rated as AAA certain mortgage related securities which turned out to be much riskier than their models predicted. This was a huge failure.

But for too many people, this is the only thing they know about rating agencies, and it does seem to have been an outlier.

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Ignoring politics, from a strictly medical standpoint, the Biden running a year and a half from now won't be the same guy we see today. His dementia is progressing steadily. Once he gets to the point that he can't read a teleprompter or remember instructions like he's given here, the DNC will have to give up on him.

The White House only lets him answer pre-screened questions, if he really needs prepared responses then there's no way he can be on a debate state without falling apart. Whether that's with RFK or Trump doesn't really matter, it ends the same way.

I have been working in marketing for 17 years with only my AA. I learned a lot via hands on training. I made a name and brand for myself. Job experience will trump education with the right company. I manage 4000 locations across the US for 6 different brands. Sometimes you have to crawl before you can walk and walk before you can run.

So I was in your shoes at one point but thankfully my parents did let me live at home rent-free until I could move out.

I graduated in 2009 with a Biology BS but couldn’t find anything paying more than what I was making as a cashier. I was in a huge slump until I finally decided to go back to community college a couple years later. Eventually I got an AA in Medical Imaging and moved out at 27 in 2013. I then moved an hour away to the only hospital that was hiring and rented a bedroom from a random couple for $350/mo. We found that listing on Facebook or Craiglist back then. I honestly don’t remember.

If trade isn’t something you’d want to do then I’d consider something in healthcare. You’re not going to be making bank but you have great job security.

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>*FRANCE CUT TO 'AA-' BY FITCH; OUTLOOK STABLE

^IGSquawk ^@IGSquawk ^at ^2023-04-28 ^17:03:48 ^EDT-0400

Nope. Rules don’t apply. Haven’t you learned that yet?

Brokers turned off buying for GME. Brokers face no consequences. They did the same with other hot stocks. There’s massive insider trading like when Berkshire bought activison pre Microsoft deal.

Here’s some stories on SVB issue.

https://www.forbes.com/sites/brandonkochkodin/2023/03/15/retail-traders-left-hanging-as-brokers-halt-transactions-on-silicon-valley-bank-just-as-bets-are-set-to-pay-off/?sh=783c84aa3f55

https://www.bnnbloomberg.ca/thousands-of-options-on-failed-banks-in-limbo-as-expiration-hits-1.1897092.amp.html

https://www.reddit.com/r/options/comments/11symm2/i_cant_get_my_svb_puts_paid/

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Don't talk about what you don't understand. AoAA uses open and closed accounts

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How do you feel about that right now?

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>ommentsAwardsharesave23 people here
>
>Comment as aa043

Building plants is easy part. Manufacutring and profits are more difficult, poor quality and losses will damage reputation and future sales.

Why does Apple not manufacture in US? (quality control and less profit is my guess)

Thank you for your thoughtful reply, and I guess its comforting to know that I am not the only one. Maybe a Support Group can be formed. You've heard of AA, there is group that supports spouses of alcoholics. idk.

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The kind of investor I inspire to be.

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the monocle stays on during sex. never demonocle, ol sport

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What do you mean? https://www.msn.com/en-us/money/other/job-postings-for-this-white-collar-profession-have-plummeted-55-indeed-says/ar-AA1ao0Pq

Research USAJOBS.GOV online. Every year the federal shipyards hire apprentices for various trades. You earn an AA degree in a trade while working at the shipyard. I was a former apprentice and now earn a six figure salary with great benefits. Keep your options open. It doesn't hurt to look at their website. The shipyards announce openings throughout the year so check out the website regularly. Type in trade, apprentice, or apprenticeship in the search block. You don't have to make it a career in federal service. A bunch of my apprentice classmates bought rental properties with their salaries.

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Looks like its crashing?

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The best strategy is a strategy you and your daughters can live with. Since they are 10-ish years away from needing the money for college, your time-frame is fairly short.

So I'd consider the default retirement allocation such as 60/40 AA of stocks and bonds. You could do this 1 fund such as AOM or you can do it with 2 funds with something like 60% VT and 40% BND.

You should look into a 529 account. Also, there are other ways to pay for college, such as pre-paying the tuition, if you know where they are going, typically this is more useful for something like state schools.

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i see what you are saying

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Your puts hurt

First and foremost, never choose a fund based on past performance, especially only the past 5 years. That isn't enough time to get an accurate gauge on a fund's long term performance.

Truth be told, there's probably nothing wrong with going 100% VTI/VOO. But the more diversification the better, and US may underperform international for the next 5/10 years, we just don't know.

Next, don't look on google/yahoo as that data can be inaccurate. Look on vanguard.com itself.

5 year average annual return:

• 2060 TDF: 6.65%
• VT: 6.86%
• VTI: 10.35%
• VOO: 11.13%

The TDF is a super simple way to invest. 10% bonds isn't a huge amount, and as you age this fund will automatically rebalance and shift into a more conservative AA.

Then again if you are confident you have the risk tolerance to be 100% stock, VT or VTI/VOO certainly could be something you pursue. But either way, stick with your plan and don't deviate as markets move.

I guess you missed all the furor and rage when SVB and SBNY were delisted. People holding puts also thought they were entitled to free money. Boy were they disappointed!

Delisting is a messy business. The things you can rely on for contracts on listed stocks become unreliable and sketchy once a delisting happens.

There were two issues with SVB and SBNY:

• Trading was halted for weeks, leaving put traders in limbo: https://www.marketwatch.com/story/it-says-i-owe-179-000-option-traders-hit-with-massive-margin-calls-as-winning-bets-against-failing-banks-left-in-limbo-for-weeks-61296242

• Some brokers would not honor exercise once the shares became OTC/pink sheet. Robinhood notoriously refuses to honor exercise for delisted shares. Although in this instance they walked back the policy after irate WSBers threatened to sue. https://www.ft.com/content/0d883afb-1d00-4df3-800e-aa4d1d420526

It isn't binary, last time this happened there was no default but they screwed around enough that US credit rating was downgraded from AAA to AA+ causing a tank in the index. Default is hyper unlikely but there's all types of things that can cause waves while this brinksmanship goes on. Accelerated de-dollarization could end up getting worsened if there is disruption. If it's just due to default fear it'll be a buy opp though

Am I missing something on Northrop's earnings? Had an earnings beat with raised guidance and they're flat. Aa far as defense stocks go they've been pretty bad in comparison to their peers.

https://preview.redd.it/et8syaqq0hwa1.jpeg?width=928&format=pjpg&auto=webp&v=enabled&s=2b07662f63a603fe557e287ef0c09224ba4d59aa

The only face she could’ve made when she heard this 😂

>I started a new job with a salary just above the limit to contribute to a Roth IRA.

Don't forget that traditional contributions to a 401k reduce your wages and further expand the amount of gross income that you can have and still qualify for a Roth. But remember that it is MAGI that actually determines Roth eligibility; not wages.

Can you get the AA you want with your 401k and keep the expense ratio low? If so, my first choice would be to bump up your 401k contributions.

If you have bad choices or only high ERs in the 401k, I would prioritize the backdoor Roth next. You can either (1) do the Roth conversion on your current trad IRA balance (if you can pay the taxes out of pocket) or (2) do a roll in of these funds to your 401k if permitted by your plan. I would NOT have taxes withheld if you do the Roth Conversion. This will trigger the 10% early withdrawal penalty on the amount of withholding.

My last choice would be a taxable brokerage if the money is intended for retirement. That would come after maxing out all tax-advantaged plans.

They're likely looking at a far future TDF whose composition is 10% bonds with the 90% equity being divided 60/40 to be 54% US equity and 36% ex-US equity.

tl;dr the TDF is probably market weight and the commenter to whom you're replying is misinterpreting the AA.

Fake news

https://preview.redd.it/ohbn0ux4pbwa1.jpeg?width=675&format=pjpg&auto=webp&v=enabled&s=943420c2e01b6b929b29b7cbb8d88aa7a888a2a8

Say it 3X…

And he shows up at your door…

https://preview.redd.it/ea6mw4q2nbwa1.jpeg?width=1071&format=pjpg&auto=webp&v=enabled&s=ae8157cef449224395aa74b3c57833e675c02274

LMAO

https://r11.fodey.com/2781/56aeb391aa3146f5a38c9dff7053ad45.0.jpg

Yeah lot of good ones. Meta roku teladoc caterpillar, aa , Mastercard

I picked up some calls in AA and FCX out to June today.

Looking at ALB for a long term hold.

Good buys here... imho.

Yeah, I understand that you're trying to get attention, but what good is the attention of a bunch of married sober people?

You need to think about your time as currency. Spend it wisely, and spend it to attract only those people who will use your app.

Your value is the app. You don't need to say anything else.

If you say "hey this is a community for sober people and check out how much you'll save if you're sober!" then you'll attract a ton of sober people, but they won't use your app.

The value prop is so simple you don't even need to say very much.

"This is a dating app for sober people." Like... people will understand the value right away.

You need to think about what you're offering as a valuable service. You shouldn't need to pay AA or other communities to "advertise" because what you're offering has SO MUCH positive value to those people.

Like... "hey I am making a dating app to help sober people connect. I'd love to help out the people in your group. It's a free app (for now) so there's no cost."

The biggest bit of advice I can give you is get out there on foot and show up in person. The more you make yourself a real thing, the more people will take you seriously.

Ask if you can give a talk at a meeting and tell your story. Do you find it hard to meet people when sober? Do you have stories about the pressure or how uncomfortable people feel when you go on a date and don't drink?

Tell the why behind this app. People love stories, not marketing. Tell your story, then connect it to why you're making the app.

First, thanks a lot for taking the time to write all of that. I really appreciate it.

To your point about not focusing on one goal ok that makes perfect sense. What I was trying to do was get attention for something that was useful to people and hope that in that bunch there were people that were already sober. Does that make sense? If I just try and advertise a sober dating app I can't get that much free media attraction but it might be easier to get that attention if I build something more people can use. But your point is that that just dilutes the core message and the value to the customer right? And instead I should focus everything on the sober dating aspect and that should drive all the marketing efforts?

>Your job is to deliver hot fresh sober singles to people in your area (lol).

What a job to have! Lol

​

>Pick a geographic location to start with. You're only going to be able
to launch in one city at a time. You can't launch an app like this
worldwide because you never reach that user saturation you need to
deliver on the value.

Yep I've been limiting my adds and outreach to London so far (as it's where I'm based so makes sense to start it there)

​

>Approach all the local AA meetings and groups. Ask the organizers if you can pitch to the group, or ask them if you can leave behind some materials.

I've reached out to communities in this niche like AA and others who have large mailing lists to see if I can advertise through their mailing list. Do you think that's fine? Or are you suggesting that it's more effective if it's done in person?

And any other suggestions you have that's come from your experience building a social media location based app I'd love to hear

Here's my feedback. You're unfocused.

You want to launch a sober dating app. That's cool. The value? Other singles who are also sober. No pressure for drinking, no expectations for that kind of date.

If I am a sober person, this is the value. Nice.

Now... you're talking about converting people to become sober? You're talking about a savings calculator? What? Also building a community? Huh?

None of these things communicate the core value of your app.

Keep it simple and stay focused ONLY on the value that your customers care about. And that value is other single people who are sober who want to date.

That's it. Don't think about anything else.

Second, forget social media. Organic social is extremely limited. The reach is tiny.

If you read about any apps like this, none of this marketing will matter because you have a GIANT problem called the chicken and the egg.

You need a lot of people on your app in order to deliver the value (other singles).

If you try to get little sign ups here and there, you might convince someone to get that app, but then when they log in the see the same 5 people. They leave and never come back.

You need to focus ONLY on building a launch list for your app. Don't worry about the community or convincing people to go sober. That's not your job.

Your job is to deliver hot fresh sober singles to people in your area (lol).

The best thing you could do to grow this list is:

1. Pick a geographic location to start with. You're only going to be able to launch in one city at a time. You can't launch an app like this worldwide because you never reach that user saturation you need to deliver on the value.
2. Approach all the local AA meetings and groups. Ask the organizers if you can pitch to the group, or ask them if you can leave behind some materials.

I helped build a location based social media app from the ground up. These were all the issues we faced.

Here’s my loss porn 🥲 luckily I went in with very little.

https://preview.redd.it/hsapj82daawa1.jpeg?width=1047&format=pjpg&auto=webp&v=enabled&s=59a63e37aa04a9e7ffb517cb8c36fcc472e23f0e

https://preview.redd.it/26u6b2lr9awa1.jpeg?width=1080&format=pjpg&auto=webp&v=enabled&s=0b75d128a20a594dd0692c6838b91386aa5ffac0

How could I say no to this fundamentally sound stock you silly bot

So cover calls OTM, I’m doing weeklies.

https://preview.redd.it/7u6bi5vs78wa1.jpeg?width=1284&format=pjpg&auto=webp&v=enabled&s=1f7aa187ec3b29f7fff3e5b7a1e77464ac402927

Why not visit aa local optometrist office? I believe I have the same vision insurance through my company. My doctor accepts my insurance for frame coverage.

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So basically market makers sold everything and now that they can buy AA they can buy back up because earnings are gonna be good tmrw? They fucked my 🌈🍑

https://stocks.apple.com/AaRGCu8P8RAS3xytiLgfY5Q

History is made! ASTS 🚀🚀🚀🚀

Community College.

I’m assuming you’re in the US…I got my AA at a CC then transferred for my BS then went to medical school.

The education you get for the first two years at a CC is just as good as any 4 year but much more affordable and they tend to offer night classes.

I encourage any and everyone to do this whenever I get the chance.

I'd say they are, I talked to their advisors and they drafted a plan. It wasn't super complex but based on the risk quiz they make a AA, say 75/25 stocks/bonds for example and break it up to US/international stock funds and US/tiny bit of international bond funds. They mostly just talked about buying and holding and a glide path as you age.

Research USAJOBS.GOV online. Every year the federal shipyards hire apprentices for various trades. You earn an AA degree in a trade while working at the shipyard. I was a former apprentice and now earn a six figure salary with great benefits. Keep your options open. It doesn't hurt to look at their website. The shipyards announce openings throughout the year so check out the website regularly. Type in trade, apprentice, or apprenticeship in the search block. Hope this info can help you.

Aa

I got 69k miles from AA where should I go fam

https://preview.redd.it/foagex3yxyva1.jpeg?width=3024&format=pjpg&auto=webp&v=enabled&s=aa4bb575c6529e477885153e3db0d865b5943425

Hungry for some McDonalds?

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Every single one of you regards who bought into this mess.

It’s an Army of regards.

Take the L and hopefully none of you take it too hard.

https://preview.redd.it/b2385li0pyva1.jpeg?width=640&format=pjpg&auto=webp&v=enabled&s=4efa803d205f956cb0230e30d113e2571004aa4f

I WAS IN THE POOL

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Can you? Which one?

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If you can’t beat em… 😎

There are a few points that aren't necessarily their own question but should be considered when buying a home.

There's significant downside risk associated with home ownership. Like a single stock, the value of a home can (and sometimes does) go all the way to zero. Appreciation is typical but not a certainty.

The mortgage and the property value are two distinct things. E.g. if you buy a $500,000 home and take out a $400,000 loan, you have $100,000 equity but the entire 500k is effected by market forces. Your exposure to the real estate market is not effected by paying off the mortgage.

The value of a home and the mortgage should be considered separately with regard to asset allocation. If the owner from the above example also has 500k in equities, their AA is 83.3 % real estate, 83.3 % stocks, and -66.6 % debt.

Home ownership negatively affects your ability to change employers (which is why it's so heavily subsidized in benefits packages for employees).

Maintenance costs are very lumpy, next to nothing in some years and very high in others. One needs a plan in place for financing randomly timed big ticket items.

https://preview.redd.it/9g1aa8kpqvva1.jpeg?width=3024&format=pjpg&auto=webp&v=enabled&s=49deb34c8e043a772ac5ec6abad93adf48aef977

Y’all did this!

I heard someone say he's the AA of the financial world. Some people need that balls to the wall attitude with debt and others don't.

I followed his advice for 6 years and paid off something like 70k in various debts. Best thing I ever did for myself but I can not imagine doing it any longer.