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Citigroup Inc.

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71% L 14% C 11% S 4% I

I’m no longer in the military and therefore unable to continue contributing to the TSP which is why I’m considering moving my funds. However I’ll admit that I’m completely new to investing and am pretty clueless about everything. I just learned what APY stood for today.

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Not the c level of robinhood during the meme crisis.

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Will my $330 tesla c 10/14 be okay?

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? >B C C   9k
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Quick question, if girl swallows could she be charged for any of the following? Asking for a girl friend.

A) Child Abuse B) Child Neglect C) Murder D) All the Above E) None of the Above

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who exactly here is "we"... "We" didn't push jobs oversees, I just wrote the work instructions for someone else to take them oversees... I can tell you the instructions are not being followed... like for fucking real... "Do A, then B, then C, then D" translated to "Do A, a few random things, then D"... so now, when we onboard people, we have a "Intro to algebra 101" presentation that new "engineers" have to go through... ask me how much of a crap I give, I am literally being paid 10X not to care...

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The only thing preventing you from getting your principal back on a single bond is a default or you sell it. Price fluctuations in between your purchase date and maturity date matter zero unless you're trading and plan to sell the bond before maturity.

​

>If you hold an ETF for its effective duration you probably should not lose money in most cases.

What? no

​

>Saying that individual bonds are safer because they don't lose value isn't really true, they 100% do lose PV just like bond funds, you just may not "see" it

You definitely should "see" it - custodians value their bonds every day - unrealized G/L shows up on your statement and in your holdings info like any other security. And as above, it is true that they are safer IFF there isn't a default or credit event.

So your biggest risk with single bonds is credit risk whereas it's interest rate risk in funds b/c even a default or two in a fund won't crash the fund but if the single bond you selected defaults, you're done.

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It must of been friends with Hillary C!

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TreasuryDirect only allows noncompetitive bids. You enter how much you want to buy (noncompetitive bids are limited to $10 million for a single auction). Institutions that bid competitively enter bids for how much they want to buy and the rates at which they want to buy. Then, the Treasury allocates first to the noncompetitive bidders, ranks all the competitive bids by rate from low to high, allocates the remaining auction amount to competitive bids from low to high rates, and gives everyone the high rate.

For example, let's say there's an auction for $1 billion of bonds, and the Treasury receives the following bids:

noncompetitive: $100 million

institution A: $500 million at 4%

institution B: $400 million at 3.5%

institution C: $700 million at 3.75%

Then, the noncompetitive bid gets the full $100 million, institution B gets its full $400 million, institution C gets $500 million out of its $700 million bid, and institution A gets nothing; all bonds receive 3.75%, since institution B's 3.75% bid was the marginal bid.

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Basically the same thinking I have. I sold my 10/07 360 P and nibbled at a 09/30 TQQQ C, but will be switching back to puts for earnings season in October.

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This last point is a great one.

The city where I live in the NorthEast does permit ADUs but the certificate of occupancy is granted only to the current owner of the property and does not transfer with the title to the new owner, The new owner must apply for a c/o once they take possession.

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If you are a bear complaining today it either because a) you got greedy and didn’t sell your short b) you got greedy and didn’t sell your short c) you got greedy and didn’t sell your short d) you got greedy and didn’t sell your short

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Best thing is do your own research. Plenty of retail analysts / investors dig up tons of great info. Here's a small list to get you started.

https://youtube.com/c/HitThatBid

https://youtube.com/c/ElectrifiedSzn

https://youtube.com/c/TeslaDaily

https://youtube.com/user/jrs97t (James Stephenson)

Good to make your own informed decisions.

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Income or losses don’t flow through to the VCs as the companies are organized as C-corps. The losses become NOLs and will be used to offset future taxable income.

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Tesla moon so I can move out of my $330 10/14 c

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Should I sell my $330 tesla c 10/14?

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CRSP, BEAM, IONQ, ORGN, R E C A F, maybe some SOFI. Plenty of nice bags out there! 😂

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Plenty of awareness friend. Gme has basically no debt with insiders that hold. Bbby is majority insider held with the float over 100% short. AMC has a c suite that sells shares as they come in and live dilution.

🤷‍♂️

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Can you help money for my child’s treatmeant on the Generosity Network? Every little bit helps! https://www.paypal.com/pools/c/8NDJgBQ8qLfor my son

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C A P I T U L A T I O N

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It’s not c+69 other than the regular swap cycle that fires every year, 2016/2017 was before shit hit the fan, go check price history last 5 years 🤷‍♀️

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I mean... I have usually just done exactly that. Especially if you are in a leadership role with some sort of oversight authority.

"Hey boss, working with X has been great. They do A, B, C, D, and E, like a level up! I'd love for them to stick around and take on more responsibility. Have you considered an off cycle promotion?"

Just be aware, that by injecting yourself into this workflow, you will have to also deal with Johnny NOT-on-the-spots Y and Z who... will be jelly and may not behave predictably.

Just my observation as a senior engineer... by about 2-3 years, the divides in skillset, aptitude, hunger, and thoroughness are VERY evident with the new hires. These divides result in differential treatment in a scarce promotional/mentorship/quality work environment. Those not in the upper half may respond poorly to said differential treatment.

But... as weird as it sounds, I feel like one of the key duties as a senior engineer is advocating for the juniors. So I say do it.

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Separate your bank accounts between personal and business. Keep that separation at all times. All income and expenses from the business go to the business account. You then pay your salary from the business account. When you do, you can cut yourself a check or transfer electronically. If you move money the other way, you are investing in the company. When it comes to taxes and selling the company, you have to keep them separate. You also need separation of incorporation so that you are not personally liable if the company is sued. I’m not a lawyer so read up on the law. You probably want to setup an LLC or C-Corp and get a business license. Protect yourself from getting sued personally because your business made a mistake.

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C+69

Look at the chart for the last year, every 69 calendar days it goes for a run up

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I have the $330 10/14 c😭😭😭😭

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D/C into GME weeklies to recover lol

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Thanks for your detailed response. Some follow up questions.

I’m not using any of the rental income in me qualifying for the loan. I understand the point you made but does it still matter if I’m not using the income for the loan? Or should I be using the income to qualify for the loan, even if it means using the ADU rent as the income as opposed to the house rent.

As for the C/O I’m pretty sure they do not, it appears up to code but i do not think it’s permitted. One thing we will find out for sure today. However, I am looking at another house, similar price point, that has a fully permitted and legal basement ADU with separate address and mailbox although it’s a SFH. How does this effect things like appraisal and qualifying for the loan in terms of it being a 2 unit versus a SFH. Thanns

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there's a lot of scammy nonsense online about 'passive income'. so be careful. passive income is just an IRS term. there is no magical, easy, risk-free way to have money flow into your bank every month. that simply doesn't happen without years or decades of groundwork.

you could buy CDs or bonds that pay out a few time a year. right now CDs are paying maybe 3%/yr and Treasuries from the government a bit higher. so if you had $100k invested it would 'passively' create about $3,000-4,000 per year. nice, but not a fortune.

you could buy dividend-paying stocks. also you'll get in the 3% range from US 'blue chip' stocks like Exxon, Johnson & Johnson, AT&T, Proctor & Gamble. there are ETFs and mutual funds that have these types of stocks. so $100k would also generate about $3k a year in 'passive' dividends. plus over time the stocks would tend to increase in value. but (a) many companies prefer to not cut dividends, yet the dividends are not 100% guaranteed; (b) the stocks will tend to go up over time, but also not guaranteed and might stay down for years at a time; (c) the dividend comes out of the stock price, so these types of stocks tend to be slow-and-steady, not fast-growth. so this is a higher-risk option than CDs or treasuries.

looking at real estate, this can also generate income. potentially higher return on investment than stocks, if you pay the right price for the right property. but there's a lot more risk and hassle factor. and you don't say how much money you have. $1 million? maybe split the difference, half in stocks/CDs, half in a property. $10k? no way that's enough to buy a property or even have a down payment on a rental.

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🚨P A N I C🚨

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>I need someone to come in and fix this for me, help me find the money inbleeding, tell me the hard truths about my habits and behaviors that Ineed to address, identify the changes I need to make with assets andinvestments, and maybe help hide my money from me.

I don't think there's really a service out there for you. At least, there isn't really a service that won't also be tied up in either;

a) investment manager - someone trying to invest your money on your behalf for a chunk of all the gains

b) a lifestyle coach - someone who will charge money for their time to give you advice, which may or may not involve paying to attend their seminars, buy their books/pamphlets, with attitude advice that is adjacent to astrology

c) financial sales - insurance or investment brokers masquerading as personal advisory, who get big commissions from what they sell you, regardless of whether it solves your core problem or not

The reason for this is that charging for a one-off, one-time consultation to give you a budget and send you on your way isn't a viable business model. Not when the above pay 10x per hour of work.

​

>Any advice is welcomed and appreciated.
>
>I need someone to come in ... and tell me the hard truths about my habits and behaviors that I need to address

​

Having read some of the (kinda combative) replies you've given in this thread so far, please remember this spirit of your intention as you consider my advice;

Hard truth incoming - living paycheck to paycheck and going into credit card debt on a $180k a year tech salary isn't a "gosh, I wish there was someone I could pay to help me make this annoying problem go away" issue. It's a financial emergency. "I'm bad at finances, maybe I should go bankrupt"? Jesus.

You're a software engineer - if Expenses > Income, debug it and figure out why. There are tools out there to help, but you need to take personal ownership of this problem.

If feel like you don't have the time because of your schedule, send the kids to grandma and grandpa for the weekend and sort things out. You owe it to them. The only way any one would be able to help figure it out for you is if you provide them with the right information. So step 1 no matter what is getting a handle on it by yourself anyway.

Look at August, and figure out every dollar that you earned, and every dollar that you spent. Then categorize them, and post the results here. People will have helpful feedback.

​

>I don’t know anything about retirement (I have some 401ks but no idea what’s up with them)

Your company and/or the 401k provider very likely has a resource for you to talk with a financial planner about retirement specifically. They can help you figure out what to do with the money that you are saving for retirement, and how much you should be aiming to save to avoid dying in elder poverty. However, They won't be able to help you with finding enough money in your budget to save.

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I bought $330 c tesla 10/14😭

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I'm literally not though, I'm just responding. This is the most combative response I've given, because you're assumptive and wrong, c****

Please give me more downvotes. I cherish them. Thank you.

Weird bastards.

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It should be 20% of W-2 income. 18.5% is for schedule C. 25% is for non-owners or on the amount after you subtract the SEP.

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ah I see what you're saying.

Thing is that once you reach the point where you're sufficiently funded from VC money you'll need board approval as well. So it's not like you can just funnel all the money out of the company once you have your C round. It has to be in line with what makes sense in the market.

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Mainly C# for web dev, used to be doing IoT for a factory but didn't pay as much as web dev, which is easier too. If a quick contract comes along sometimes I even use Wix or WordPress and php to mess with plugins to pump out a site quick and dirty

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Tesla 330 10/13 c

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Because A. It’s easier in America with bankruptcy laws and the regulations around business formations. The Government makes it very easy to form a business for just about anything and equally easy to walk away with minimal consequences and B. Founders and entrepreneurs don’t really come from the best universities in the world. Most of the people who founded those companies and founders of Apple, Microsoft, and Amazon are all college dropouts. They’re still very intelligent but being a top tier student at a top tier university tends to make you very rigid in your wisdom and real world experience. I forget who said it but A students (US grading system, I do not know the UK equivalent I apologize) do not typically found these world changing business, they’re more comfortable working for a paycheck and under someone else’s direction. C students (think mid range) are the founders because they’re forced to think and act differently. The greatest lie told to us about education is that a graduate degree from Harvard and Oxford leads to automatic success when in reality it doesn’t. Success takes ingenuity, imagination, and the ability to see a larger picture. C students found the businesses that all the A students want to work for.

PS: I’m not saying that higher education is not worth it but if you want to found a world changing company like Apple, Microsoft, or Google then you don’t necessarily have to go to these schools. All you need is the ambition and one simple idea.

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Tesla $330 10/14 will be ok? C

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  1. 15% of profits is not enough to set aside for taxes unless you live in a non income tax state and make under 13k a year.

  2. They are employees? Or contractors? But yes, your personal income tax is just on your profits, after paying the help.

  3. If they are an employee you need to run payroll. Employes are not contractors. IF they are contractors, you get a w9 from them ,and issue them 1099 forms after year end.

  4. You keep track of income and expenses in your accounting, and that flows onto lines of the schedule c. Do save receipts, but you don't submit them with taxes.

  5. The big thing is the employee/contractor. Also, the bookkeeping aspect you should read up on, so you can set aside the correct amount for taxes. You should be making quarterly estimated tax payments.

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TSM P/C is 32 for next March. Jesus.

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> It’s not a C at that price... > It’s a turd.

Haha this may be the case but the triplex has two units rented on yearly leases so I imagine getting tenants won't be a problem (it's also in a college town). I'm a new investor but my strategy is to get started with fixer uppers by getting them below market value and this property fits that description very well.

I'm ready for a ton of deferred maintenance and have a healthy RE fund saved up that I would be using for purchasing and rehabbing this property.

Given that the property is 25% below market, I think it's likely an investor that's trying to get the property off their hand without having to do any maintenance or fixes. Of course I am concerned about structural issues in the property and will definitely be getting thorough inspections done after getting it under contract.

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Noooo, , I bought c $6 1-23 and c $7 1-23 2 weeks ago. Still the highest break even was $10.10 tho

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https://youtube.com/c/KevinHunter

Kevin Hunter, the homework guy.

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Going SPY (C) for Oct 7th @365. Anybody else thinking SPY calls that week?

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JPow just said they are gonna get rid of peoples ability to hold their own Keys on crypto to prevent money laundering… lmfao… c-ya BTC! Decentralized my ass. Gonna get regulated.

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I think anyone who is serious about their business wouldn’t use a platform like this. Maybe first time startups but that’s it. Choosing a co founder is much like choosing a spouse since you will be doing very hard things together. That’s probably why one of the commenter’s links to a Y Combinator startup doing your idea has such bad reviews. Believe me if it’s a Y Combinator startup they will have vastly more resources than you.

Remember, your idea is not solving a technical challenge but a Human Resources challenge. If you really want this to succeed or to even vett properly I wouldn’t even touch code first. I would get out and gather as many high quality C level positions as possible to first put their name down on the platform.

IMPORTANT: keep in mind you aren’t just competing with the few platforms you saw. You’re also competing against many MANY fractional C-level firms. Fractional C-level firms outsource C level people to startups and companies. They’re already doing this and there are many more out there than you would think. I myself was head hunted by 2 different ones. And on top of that the good ones will train you to be a C-level competent hire.

If it were me I would find a different idea unless you have thoroughly vetted your exact niche with this.

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Why do people care so much about AMC investors all im seeing is your wrong come join me or your wrong b/c your red as the whole market is bleeding. Everyone talking 💩 must be super green in their portfolios right? 🤡

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Hey entrepreneurs,

name's Nik, I'm w/ Celadon: a project-based dev company proficient in software development by using JavaScript, Python and .NET as core techs and game development by using Unity (Unity, C#).

Our team of over 80 talents have been working w/ sole entrepreneurs, startups and SMEs worldwide to bring numerous projects on from scratch: starting from simple delivery and dating apps up to complex management systems based on AI and ML. As for gamedev projects: a few board games, a funny 2D runner and a Brawlhalla-like mobile fighting game are among our recent projects. Our team's fond of clear and working code, we constantly sharpen our skills and believe in transparency of development process.

Rate per hour: $30-$35 (depends on complexity of the project). I'll be happy to lend you a hand as well with fair hourly rates.

To make sure my team's worthy of your time, please take a look at what customers say about us.

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If the C does mean calls, the proper name for it is a "call debit spread," not just a "debit spread."

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Aside from sarcastic answers;

There are a LOT of tech startups in the UK (it is a very lazy steryotype to go 'Oh the UK doesn't have Tesla/Google/Meta equivilent, therefore something in the UK is wrong'), seriously go to London, or check online and have a look

BUT

a) most are either sold to an American millionaire/billionaire (most of the startup founders here are either much more interested in the tech, so become CTOs under the new regime, or just want the money and not the hassle of managing a massive company, so cash in and run, so to speak)

b) startups are insanely difficult to grow into international businesses (especially since we left the EU), if you want to spin out of a university for example, only Imperial and Oxbridge are decent, many other unis take a large % of profits as a 'shareholder', or don't have the old boys network to justify their %

c) American competativeness quickly obliterates any major competition (famously there was a German wind turbine manufacturer that had a genius idea for more economic yet powerful design, but his patent was taken contraversially (by the NSA) and filed by an American company before the German company could do anything under national security concerns), and the hassle of running an international, multimillion pound non-American business is massive, deliberately so in order to keep American companies at the bleeding edge of development

d) politics happens, for major competitors that the USA can lean on, they quickly find that it is far far easier and more profitable to sell to an American company/owner rather than try to navigate the complexities of Wall St/IRS/international funding and stock markets

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Personally, now isn’t the best time to blow through your reserves. You can always refinance. These next 2/3 years may give C results, just have to keep the momentum and not get killed

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China wants to take over both and control both through communism. Russia just wants to continue selling them oil so they can keep funding their war to get back USSR land, to mother Russia. And India wants to keep getting cheap oil, and kind of do its own thing.

Biggest Threat to USA - 1. China - Just because they want to be #1

  1. Russia - B/c we supported Ukraine and Put Sanctions on them

  2. North Korea - Wants to continue being a Dictatorship + NUKES

  3. Taliban - I dont have to explain + they have 80$ Billion in US Weapons

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Yes, this is why CEOs at tech companies don't do their own programming, Sundar Pichai isn't slaving away at C++ on Google.

Bringing attention to your product and selling it to an audience is more important than making it, coders are replaceable.

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Whats a C?

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> ITM debit spread on DIS 30 Sep C 96/97 and fills for .75

Well if it ITM what else could it be? What would be a simpler way to write this?

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Also RY is a hell of a good ticker compared to C or BAC! Two things that Canada needs to work on tho, the complete lawlessness in the Western forests and the French jingoism throughout Quebec.

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It’s not a C at that price...

It’s a turd.

But, even poo can make you wealthy.

I suspect a ton of deferred maintenance. And, please consider using a property manager.

Example. I own some rentals and have for decades. One place looks like a solid D but keeps on putting cash in my pocket. Others look pretty awesome and nickel and dime me for all sorts of crap.

I am Uber skeptical about the state of a triplex for 75k. That is 1/8 the cost per door of where I own. Toilets cost the same wherever you buy.

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First off, you're allowed to look for another job if you current doesn't suite you no longer.

Next, should your current boss bring up, be as transparent and confident as possible, show them you know your worth and inform them that this job is no longer working because of a,b,c etc.

Lastly, do not work for the company that did that. That was so unprofessional they should honestly be fired.

​

Good luck and you're clearly better than both companies.

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I would focus more on the property than what it looks like on a calculator. If this price to rent is normal in your market then most deals will cash flow anyways. Once you rehab the other unit you will have decent money coming in, just focus on identifying big issues up front (A/C, electrical/plumbing, roof, foundation, basement leaks, mold, do a sewer scope). That is the only thing that would make this a bad deal.

Make sure to check if each unit has its own meter and do estoppel certificates with the current tenants. You also may want to consider screening them.

The bigger more complex question someone might ask is “Why invest here?” but I don’t think we have time to do that here. Best of luck.

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grrrr jappan 🇯🇵 is best country in teh world (sekai) !!!!🤬😡!!!👹🤬!!!!! west bAd grrrgghhhg japenis culture⛩🎎🎏 better than amrican🗽🍔👎!!! (>~<) vendor machine eveywhere 🗼and sakura trees are so 🌸 a e s t h e t i c 🌸 UwU if u hate it then your NOT a man of culture so shinē!!! ~hmph baka -_- 🏮

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C levels hire shady consulting firms who get results with questionable methods all the time.

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C levels hire shady consulting firms who get results with questionable methods all the time.

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Yes. Timing is a bitch.

Our house took 12 years to get back in black b/c we bought near the top of the last boom. I know many who leveraged up in 2005-2007 commercially and lost their home and business.

It really is a tortoise and hare game. And so many of us want to be hares, myself included. Thank goodness my wife is a tortoise.

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Way easier to get a loan from a bank after something already belongs to you in full.

What you can do with that money afterwards is left to your imagination but typically you do something like a) renovate a bit b) go on a holiday you couldn't afford during the original payback tenure c) invest the rest into rental property or markets

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You can C Deez nuts

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Move money into G Fund while market correction is happening. I would put money back into the C or I fund at the start of 2023. You can dodge a lot of the drop that way and get back in the market for the ride back up. Keeping money in the market long term is always smart since it rebounds over time. But dodging the worst of it is helpful if you can see the writing on the wall that a recession is happening.

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Nah, too busy sniffing their own farts and trying to figure out how to stop the global temperature from raising 0.000001 *C

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While it's fucked up and bad practice,,,it's done.

Can't expect those things in the work world to ACTUALLY matter much. I'm referring to HR shit, "confidential" shit, all that "this doesn't leave this room" shit. Bro,,,that doesn't exist. Everyone behind closed doors talks about stuff, sometimes because it's the only thing of interest that happened to them all week.

I've made the mistake of assuming the things I told people above me would be kept confidential only to be burned...

That being said, things like this usually end up being better for you.

A) your boss knows youre interested in working elsewhere. He can't really decide to just pay you less.

B) cats outta the bag, start the conversation of WHY you want to leave and maybe fix it.

C) at the end of it, this'll increase your confidence. Understanding what you want and your worth will go a long way.

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Ive got almost 15k with Fundrise. I wanted to to try it, and so far it has been pretty good given the market conditions and my timing. I have a direct investment (3 properties under 1 deal) with Brandon Turners company Open Door Capital. The others are through Crowdstreet. 3 individual deals and their C REIT which is shaping up for some good diversification.

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First - that's a lot of money, and if it's at a for-profit institution it's probably not worth it. Keep looking.

If you want to be a therapist, be sure that the degree you're after is a "terminal" degree - not a pathway to a PhD or EdD program. It should have clinical rotations, mentorships that supervise you conducting therapy, and - most important - be a sufficient credential that you can bill third-party insurance and be in-network so your patients can just pay their copay. Not all Masters programs give you that.

Before you commit to psych, at least explore MSW programs that can lead to an LCSW-C, which lets you practice independently. Many, many state universities have MSW programs that would be worth exploring.

Source: BA - Psych, MS - Education/Counseling; 10 years in health insurance, and years experience in therapy.

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I would reply in kind to you. From a poster below:

loldogex

·

40 min. ago

there are no derivatives for us to hedge the risk, it's really all made up to hedge ourselves, you're getting a terrible quote b/c there's a lot of buffer that's being added due to risk. the street isn't pricing 6.5% on UMBS30s and it's legit old school OTC where i need to email or pick up the phone to get a quote. market makers aren't making a market and the liquidity isn't even there.

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We have an FSA at work.

a) it allows a $500 rollover each year if you don't spend it all.

b) Although you're allowed to submit expenses until March of the following year, the receipts must still be for the current year's events.

c) it sucks when your employer changes insurances, as it's nearly impossible to estimate your out-of-pocket until you go through at least one year on the new insurance.

d) there's a small monthly charge from the company that manages the FSA that comes out of the paycheck.

If you spend $2000 a year on healthcare, you can set aside say $1600 (always leave a margin of error) and that's $1600 that you never pay taxes on. It also can be used for spouse and dependent health expenses.

I only submit the big-ticket items at first, and save all the $10 and $20 receipts hoping that if use it all up on larger expenses, I won't have to bother submitting the smaller ones.

There's a similar plan for daycare expenses, which we used back when we were paying for daycare.

It also can be used for eye and dental expenses too (including glasses and contact purchases), and supposedly some over-the-counter items although those have become far more restricted than they used to be.

It's a lot more convenient if you work at a job with Internet and a scanner (that can email the scans to you) to easily scan and upload the receipts.

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If I gotta do a schedule C, then I’m also deducting: mileage to the post office, office space, internet and other technology costs, etc….

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The Fed fucked the entire world in the ass so they could keep the American stock market from tanking in 2020 and make their C-suite buddies rich as hell.

What should have been 6-12 months of pain in 2020 is going to be years of agony thanks to their shenanigans.

💀🎉

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Mr C. Ponzi reincarnate

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You need to keep a small amount of records to offset your sales.

If you know for a fact that you are selling all items at a loss you can just zero out your 1099k at the end of the year with expenses.

Especially if you’re only doing a few dozen sales this is very easy.

The problem I have with it is that if the IRS is going to make people report 1099ks they should include an EZ form schedule c so people who haven’t previously needed to file more than a w-2 style tax return aren’t put out by the requirement to file a scheduled C or pay unnecessary taxes.

They should offer a free and EZ schedule c to anyone who is between $600 and $20k a year in various 1099k. That would be a somewhat fair compromise.

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U got in too early. Should’ve waited for the 52 weeks low touch. Then again, maybe u r gonna print tomorrow. Let’s c.

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Are you saying that you didn't pay a single dollar to the federal government in taxes for that year? How is that possible? The tax credit applies to your tax liability, not your tax rebate.

Assuming you really didn't pay federal taxes, I have good news and bad news for you.

First, the bad news: your CPA is a moron, you should sue for malpractice, and you should get a new CPA.

The good news is that the tax credit has a carryforward provision. So, if you didn't have enough tax liability for the year of installation to use the whole tax credit or any portion of the tax credit, you can then "rollover" that amount to the next year and the next until you use it up.

The exact authority for this is 26 USC section 25D(c), which states:

>(c) Carryforward of unused credit. If the credit allowable under subsection (a) exceeds the limitation imposed by section 26(a) for such taxable year reduced by the sum of the credits allowable under this subpart (other than this section), such excess shall be carried to the succeeding taxable year and added to the credit allowable under subsection (a) for such succeeding taxable year.

So, go back and amend your IRS Form 5695 line 1 and include the tax credit amount. Then, when you file your 2022 taxes, include the carryforward amount on line 16. Keep carrying it forward until you do have some tax liability so you can use it.

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Why did you delete my post? Jesus the mods of this sub are such fucking c u c k s

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Turns out stock market was just a Ponzi scheme to make C-suite rich

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I have about 20k in savings, 60k in TSP, allocated to the C fund.

I make 3k per month, less 900 sticks me at 2,100. I also receive disability from the VA at 1300 per month.

I only have about 7k equity in the house.

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2017 Mercedes C class

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Sounds like it’s a hobby for you (me too, I’m weird) so this would be extremely annoying for me. Maybe try to frame it as a hobby topic instead of something serious.

Combine that with making the topics less specific. If you read an article and you bring it up as “I just read that some people put 5.6% more money in Z if A/B/C criteria are there, what do you think about putting 7.9% because D/E/F?” It would change to “hey I read this article I thought it was really interesting!”

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This is all opinion and not to be construes as legal advice.

Personally I like LLC,s, you can elect their taxation method (passthrough, S-corp, or maybe even c-corp), and can elect to manage them either by owners or managers. LLC's can be owned by individuals, corporations, or other LLCs. Also they don't require board or shareholder meetings. Most of the time LLC's fit the bill.

INC's you have two options, C-corps or S-corps. C-corps suffer from double taxation, but also benefit from corporate personage and can retain earnings without generating higher taxes for their stakeholders. S-corps are more like pass through entities with a limit on the number of owners. Corps also can benefit from multiple share classes, think distinction between ownership (with dividends) and voting.

Both entity types have their benefits and the appropriate entity type should be chosen based on your specific needs. This is not a trivial subject and legal advice should be sought.

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I think the "C" in the OP indicates he's talking about calls.

For some reason, many if not most posters are incapable of specifying the exact nature of a spread. It's always "debit spread," "put spread," "bull spread," etc., and we have to try to deduce from context whether it's a put vs. call debit spread, a bear vs. bull put spread, or whatever.

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They will continue to happen even with a closed border. Do you really think that we can stop a lot of 5+, multi-billion dollar empires from getting a truck through the border checkpoint?

They buy legitimate businesses, have professional accountants, lawyers, C-level execs… we are not stopping cartels by “closing the border” — Matter of fact, if it’s so easy, why wasn’t Reagan able to stop the flow when it was at it’s relative minimum? Surely he would’ve closed the border and that way stop the cartels…

I’m happy for your migrant friend, I live in a border state where ~50% of the population speaks Spanish as a second or native language, there are FAR more law abiding immigrants than there are criminals, and even then — You can’t fully reduce the value of an immigrant who comes to the US > Applies for citizenship with a 20+ yr waitlist > works and pays taxes until approved, simply because an immigrant came here and committed a crime.

The total value of the illegal immigration, in terms of possible innovation and workforce reinforcement, is worth far more than your drawn-out criminal view.

Also, just one more thing — You’re blaming Latin American immigrants for doing drugs.. tell me again where the US’ opioid epidemic originated? Was it started by a Mexican who just crossed over the border?

Oh no that’s right, it was our own medical system that allowed small towns to prescribe enough opioid treatments to match that of a capital city. Very cool. Glad to know closing the border will magically solve that.

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That’s interesting - I’ve never heard of dual agency but apparently in my state its legal. My local housing market has died down a lot and this particular home has been on the market for over 3 months with 4 price drops so it could be beneficial here.

I definitely would want someone to handle all the closing milestones but wasn’t sure if having an A+ realtor vs a C- makes that much of a difference for the overall process.

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Congratulations on your new venture!

When it comes to market research and competitor analysis, you do need to put in the effort. However, we have a suggestion that just might make your life a little easier.

There is a tool that we would recommend that will give you targeted and more detailed competitor information called Semrush. We have provided a link for you that gives you more of an idea of the type of information Semrush offers and how they do it.

And... just to help you get started, we also have a gift for you if you are interested. It is a Business Plan Template that also includes several competitive market tools as well as target market tools and several marketing message creation tools. Hope that helps you get your business up and running a little faster.

Warm regards,

The Spectrum Post Team

TheSpectrumPost.com

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Well, one of the most common rules of thumb that I've always seen with regards to vehicle purchases is that you shouldn't ever spend more than 50% of your gross annual income on a car, and more conservatively, should shoot for 20-30%. Your base annual income is $142k, so even if we ignore your bonuses, you're just under 50%.

Here's some things that make me pause, though.

  • The budget that you list cannot be complete. You list rent/utilities and food. No cell phone bill? Gas for current car? Car insurance? Recreation/hobbies? I ask b/c your savings look pretty thin, considering your income. This could make sense if you just got this job. It would be concerning if you've had this job for a while. So something doesn't seem to be adding up.
  • If you buy a $70k car, and have $20k to put down via trade in, you're probably looking at monthly payments in the $1150-1200 range, on a 48 month loan. Even if you stretched that out to 72 months (which isn't a good idea), you'd be looking at $800+ per month. Which goes back to my first point. Does this really fit within your budget?
  • Beyond that....is it a great idea to buy a $70k car? In most circles, no. It's not a wise purchase. Most would recommend that you'd be better served to spend half that amount on a car, and invest the rest. But it's your money. You can buy whatever you want. So my only advice would be.....make sure it actually fits within your budget. Make sure it's what you really want. And make sure that the purchase doesn't push you to interrupt your larger savings/retirement goals.
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Well one outcome is prices stop rising at all but inflation continues. Someone has to pay rents on these inflated house values. If all the houses in a vast area are inflated past the point most of the population can afford the equivalent rent, then either:

A. Half the population is homeless (infeasible) B. Wages must increase until rent is affordable again for most employed people (that's inflation) C. House prices must fall about 40 percent.

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2018 Toyota Sequoia TRD Sport

2015 Toyota Prius C

1972 Chevy Pickup

1970 Chevy Chevelle

I'm not rich, was financially irresponsible until I got married. Everything is paid off now. Had a kid, trying to make sure I set up my financial situation (better late than never) for my family.

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A 10 year old Prius C that I bought used 6 years ago.

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Companies stopped looking at the long term in the 80s. Golden parachutes, along with the infinite growth that wall street expects mean there’s no incentive to look at anything but short term for the C-level perspective.

You would be more correct if the economy still worked the way it did in the 60-70s, but now the issue is due to 40 years of just-in-time manufacturing and “agile” workflows eroding resiliency in supply. There is inflation, but it is still primarily greed that got us here, and until that is mitigated, inflation will continue to runaway.

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2020 Silverado, but my last was a ‘95 Silverado that I drove for about 17 years. A/C didn’t work the last couple years (live in an area it gets pretty hot through the summer!), and needed some other maintenance things done naturally with having over 300,000 miles.

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Netflix has many deep-pocketed competitors who can spend their way to growth.

Some of them have completed unrelated non media businesses (E.g. Apple, Amazon) which can cross-subsidize the content spend

Its an important metric b/c uptill Netflix has been able to grow its base handsomely, ammortizing its content spend well (for which its taking debt)

Once growth stops (which has happened now), the high costs are gonna increasingly become less sustainable.

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We there now c:

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When you say "people are holding cash" what exactly are you referring to? Like is there a particular statistic on how people have shifted more assets into cash, or are you making an inference that the market going down must mean people are pulling out and they must be holding the money they take out in cash?

I haven't seen any numbers on overall asset mix changes, but I know anecdotally that many of my friends - as well as myself - have shifted money out of the market and into other investment classes that are doing better like I-Bonds and closed funds, and we've modestly increased our savings rate into high-yield savings accounts, not because we think cash is a superior investment right now, but because inflation has made us want to pad our emergency funds a little more, because "six months of expenses" is now a pretty substantially larger dollar amount than it was a year ago. We've also all been doing a lot of home improvement projects which are more expensive than ever and have been dipping into savings for some of them, which we're keen to pay ourselves back for in a timely fashion.

We're all still investing with our payroll contributions every two weeks, and none of us are selling off anything we already owned, but where we used to send a hypothetical $1,000 to the stock market and $500 to savings every two weeks, now we're putting $250 in TreasuryDirect C of Is, $300 in an REIT, $300 in the stock market, and $650 into high-yield savings.

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c and c is the office b, you'll get used to him

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I thought Clifford had a huge red c*ck...had no idea he had a thousand small ones

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>most employers no longer pay to retain workers.

Record levels of corporate profits say otherwise. Corporations are just hoarding any excess value instead of reinvesting it into the maintenance of an adequate workforce. It’s the workers (and customers!) who suffer while the C-suite make off like bandits.

There need to be some hard caps on executive pay/compensation to stop this rampant profiteering. Mandating that it be no more than like 20X the median pay at any company a)is more than fair and b)would encourage CEOs to increase median pay so they can increase their own compensation.

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Recent Tweets
$C - Prospectus Filed Pursuant to Rule 424(b)(2) (424b2) https://t.co/ynI74dHcLU
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$C - SEC Charges 16 Firms with Recordkeeping Failures, Combined Penalties Over $1.1 Billion https://t.co/SWeGjuY9sw
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💰💰💰💰💰💰💰💰💰💰💰💰💰💰💰💰💰Congrats to all Team members for making huge gains with Trade Ideas $C #C https://t.co/rEobNg7QQw
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$TXN $WYNN $C $SPY Caught the reversals and massive dumps in the market. Posted live today due to no access on voice. We do this everyday, and its free. No reason to not check us out. #optionsfactory #massivedeuce #marketdiarrhea #dumpage #lfg #spy #ti83 #alllwedoiswynn https://t.co/577165676d
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$INVO Bioscience recently announced its intention to opportunistically pursue #acquisitions of established U.S. #fertility clinics to complement its existing strategy of opening new INVO Centers and to #accelerate growth. https://t.co/k8wDrAGQFG #mergers #stocks $QQQ $V $C $PGNY https://t.co/PDWxns5lrY
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$C support at 43.2, break below and the first stop will be around 41. Not liking this long unless reclaims the 8EMA https://t.co/84TcCzFv7b
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$C why Citigroup is a conviction buy now at 0.55x tangible book value. $TLT $BAC $JPM https://t.co/noQDWTqQFj
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I have been slowly (I am not doing anything fast these days) adding to $BAC $C and $WFC in the recent decline.
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What $1,000 in the following bank stocks will pay you annually: $BNS - $59 $TD - $41 $CM - $52 $JPM - $34 $BAC - $25 $C - $42 Do you own any of these bank stocks? 🏦
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