here is what I did.

When sliding across the chart, you will notice that the sum of the two gains is always below 0%.

1 year performance of the TQQQ is -24%, and of the SQQQ is -41%.

So I would have made a 65% gain on both. Minus interest fees and borrowing costs I assume...

here is what I did.

When sliding across the chart, you will notice that the sum of the two gains is always below 0%.

1 year performance of the TQQQ is -24%, and of the SQQQ is -41%.

So I would have made a 65% gain on both. Minus interest fees and borrowing costs I assume...

here is what I did.

When sliding across the chart, you will notice that the sum of the two gains is always below 0%.

Hence came my idea of shorting both.

https://www.reddit.com/r/Entrepreneur/comments/zmpcls/it_consulting_services_the_issue_with_first/

​

"Zavinha" comment:
"DevOps & Cloud is really tricky because small companies usually hire web devs who are fullstack and can manage the minimal DevOps & cloud support required. The ones who actually require these kind of services are large companies that have an intensive CI/CD pipeline.
And it's super hard for a startup to attract a large company, as they are going to go for trusted renowned cloud service providers + have their internal team of DevOps & cloud engineers. You would have to make your network work for that and get an outsourcing contract from one of them, where you would manage the entire deployment cycle and cloud infra, but it's really tricky.
One suggestion would be, to checkout BaaS start-ups like Supabase which acts as middleware (under the hood, Supabase uses AWS). Something like that, is extremely attractive for customers as it simplifies a lot of processes."

​

​

It is hard to get clients for people like we.

there is also Ci in FRCi !

Citi will be next. My thesis is, 3 of the ones already down started with "Si" - "Si"lvergate, "Si"gnature and "Si"licon. The next closest to this pattern is "Ci" (similar phonetics), so logically that's the one to fall next. I'm half porting PUTs a few months out.

Not really. 6k/ mo Toronto: https://redf.in/ZUKJ7u. 17k/no New York City: https://redf.in/1WNxCi

Show us on this calendar, when did your puts on big banks expired worthless?

AVERAGE EARNINGS MOVE | LAST MOVE | IMPLIED MOVE FROM ATM OPTIONS PRICING

2023-05-01

$ON | ON Semiconductor: 7.78% | 1.74% | 8.26%

$SYK | Stryker Corp: 3.59% | 10.43% | 5.34%

$GPN | Global Payments Inc: 6.14% | 6.45% | 7.38%

$MGM | MGM Resorts International: 6.23% | 10.99% | 6.38%

$NXPI | NXP Semiconductors NV: 5.57% | 10.28% | 6.26%

2023-05-02

$PFE | Pfizer Inc: 3.37% | 2.03% | 3.98%

$MAR | Marriott International Inc: 3.91% | 3.73% | 4.87%

$BP | : 4.24% | 10.65% | 3.67%

$PGR | Progressive Corporation: 3.42% | 9.27% | 4.4%

$ECL | Ecolab Inc: 3.81% | 10.12% | 5.85%

$SBUX | Starbucks Corporation: 4.72% | 2.51% | 5.09%

$ETN | Eaton Corp New: 4.63% | 3.39% | 7.15%

$AMD | Advanced Micro Devices Inc: 11.04% | 13.67% | 7.72%

$F | Ford Motor Company: 5.7% | 6.78% | 6.56%

$UBER | Uber Technologies Inc: 8.09% | 3.33% | 9.97%

2023-05-03

$CVS | CVS Health Corporation: 4.64% | 4.18% | 4.9%

$EL | Estee Lauder Companies Inc: 5.7% | 4.59% | 7.29%

$EMR | Emerson Electric Co: 3.44% | 7.21% | 2.52%

$PSA | Public Storage: 3.14% | 3.23% | 4.79%

$QCOM | QUALCOMM Inc: 6.25% | 3.67% | 6.55%

2023-05-04

$MRNA | Moderna Inc: 11.63% | 8.46% | 7.67%

$BDX | Becton Dickinson and Company: 3.93% | 5.3% | 4.34%

$COP | ConocoPhillips: 4.29% | 4.72% | 4.34%

$SQ | Square Inc: 10.19% | 2.5% | 9.71%

$BKNG | Booking Holdings Inc: 5.89% | 4.48% | 5.36%

$AAPL | Apple Inc: 4.77% | 6.98% | 4.13%

$TEAM | Atlassian Corporation PLC: 11.47% | 7.29% | 10.18%

2023-05-05

$D | Dominion Energy Inc: 2.68% | 4.13% | 4.97%

$CI | Cigna Corporation: 4.58% | 2.7% | 6.51%

$ENB | Enbridge Inc: 3.04% | 3.7% | 4.17%

AVERAGE EARNINGS MOVE | LAST MOVE | IMPLIED MOVE FROM ATM OPTIONS PRICING

2023-05-01

$ON | ON Semiconductor: 7.78% | 1.74% | 8.26%

$SYK | Stryker Corp: 3.59% | 10.43% | 5.34%

$GPN | Global Payments Inc: 6.14% | 6.45% | 7.38%

$MGM | MGM Resorts International: 6.23% | 10.99% | 6.38%

$NXPI | NXP Semiconductors NV: 5.57% | 10.28% | 6.26%

2023-05-02

$PFE | Pfizer Inc: 3.37% | 2.03% | 3.98%

$MAR | Marriott International Inc: 3.91% | 3.73% | 4.87%

$BP | : 4.24% | 10.65% | 3.67%

$PGR | Progressive Corporation: 3.42% | 9.27% | 4.4%

$ECL | Ecolab Inc: 3.81% | 10.12% | 5.85%

$SBUX | Starbucks Corporation: 4.72% | 2.51% | 5.09%

$ETN | Eaton Corp New: 4.63% | 3.39% | 7.15%

$AMD | Advanced Micro Devices Inc: 11.04% | 13.67% | 7.72%

$F | Ford Motor Company: 5.7% | 6.78% | 6.56%

$UBER | Uber Technologies Inc: 8.09% | 3.33% | 9.97%

2023-05-03

$CVS | CVS Health Corporation: 4.64% | 4.18% | 4.9%

$EL | Estee Lauder Companies Inc: 5.7% | 4.59% | 7.29%

$EMR | Emerson Electric Co: 3.44% | 7.21% | 2.52%

$PSA | Public Storage: 3.14% | 3.23% | 4.79%

$QCOM | QUALCOMM Inc: 6.25% | 3.67% | 6.55%

2023-05-04

$MRNA | Moderna Inc: 11.63% | 8.46% | 7.67%

$BDX | Becton Dickinson and Company: 3.93% | 5.3% | 4.34%

$COP | ConocoPhillips: 4.29% | 4.72% | 4.34%

$SQ | Square Inc: 10.19% | 2.5% | 9.71%

$BKNG | Booking Holdings Inc: 5.89% | 4.48% | 5.36%

$AAPL | Apple Inc: 4.77% | 6.98% | 4.13%

$TEAM | Atlassian Corporation PLC: 11.47% | 7.29% | 10.18%

2023-05-05

$D | Dominion Energy Inc: 2.68% | 4.13% | 4.97%

$CI | Cigna Corporation: 4.58% | 2.7% | 6.51%

$ENB | Enbridge Inc: 3.04% | 3.7% | 4.17%

https://finviz.com/screener.ashx?v=171&f=cap_largeover,sec_healthcare&o=high52w

large and megacap size health sector stock ordered by distance from their high tide mark

https://finviz.com/screener.ashx?v=171&f=cap_largeover,sec_healthcare&o=low52w

large and megacap size pharmaceuticals ordered by distance from their low tide mark

Particularly interesting to me:

PFE, BNTX, JNJ, CVS, CI, BMY, AMGN, UNH, BAX, ILMN, MRNA

focussing on mega cap only

https://finviz.com/screener.ashx?v=171&f=cap_mega,sec_healthcare&o=high52w

top 4: PFE, UNH, JNJ, ABBV

https://finviz.com/screener.ashx?v=171&f=cap_mega,sec_healthcare&o=low52w

top 4: PFE, JNJ, UNH, ABBV

been looking around for sectors or special situations down since the october lows

dodgy finance BAC -18% SCHW -29% regional banks

Healthcare plans, generally (UNH, ELV, CVS, CI, CNC) -10%+

pharma PFE -16% AMGN -12% BMY -11%

big caps: TSLA -30% AMZN -8.5%

some random tech shit: INFY - 18% TEAM -23% FIS -30%

oil and gas some are -10% to -18% EQNR -16% PBR-A -21% SU -9% COP,EOG,OXY,PXD -15% ish

unexpectedly defense: NOC -13.5% GD -11.5%

Lol cryptobros.

https://twitter.com/coryklippsten/status/1651364309845549056?t=aOcRLEbCi5RYxQzz8R6XGQ&s=19

Someone forgot to turn the bot off.

"But the blockchain is trustless".

Yeah I get it man they work perfectly inside the narrow scope of wallet to wallet OTC transfers.

Great story if you ignore spot exchanges, derivatives, collateralization, etc. Like fuck, it's not different than the traditional system once you integrate the crypto into traditional systems, just a different type of collateral.

wE lIvE iN a SoCiEtY

Your submission in /r/investing was automatically removed because your account has insufficient Karma. If you are new to Reddit - you can learn more at RedditHelp.com. If you have a beginner question, please ask your question in the daily discussion thread. Please read the rules and guidelines for r/investing.

I am a bot, and this action was performed automatically. Please contact the moderators of this subreddit if you have any questions or concerns.

Man healthcare and pharma look decent and trading at good multiples. Any one know why?

Looking at PFE/CI/CVS/UNH all look pretty decent

Health and Bio trading at decent multiples; CI; PFE; MRNA; CVS

Are these good plays if indeed we enter a recession? Or regardless these seem attractive?

Happy to discuss

I thought I was making a great value play with $CI. That forward PÉ looked great but it’s been a falling dagger since my cost average of 257

Yes, but it is unlikely considering your positions.

I have dig myself out of -30% to like -3% last week and I belive this week I'm breaking even and will catch up with SPY.

I probably don't belong here for saying this, but what worked for me was selling everything at one point and going 100% cash. After that I waited for buying opportunity. What I did was waited for one of the bigger drops and loaded on high quality stuff dragged down by the market - mostly healthcare(CI, UNH, CNC), but not only and sold again on the next rise. Companies that I woudn't mind holding anyways for longer, for as cheap as possible. Basically swing trading, only stocks, not a single option. Took the money at average 5% gain on position, but I got 2-3 positions at most with 80% invested so if I make 5% on each of the 3 positions is like 10-12% total portfolio gain. And this seems to be working - buy low sell high. Not having exp. date helps a lot to wait it out until it pops. Never traded hyped up stocks, never will.

What do you expect from AMD at 95PE? What could reallisticly happen to that stock - five times more expensive than the average SPY company? Go to 150 PE? You are just gambling there, with extremely high chances of losing and very tiny chance of making insignificant profit.

https://preview.redd.it/kluwylj0g9wa1.jpeg?width=1584&format=pjpg&auto=webp&v=enabled&s=c00ef23b0efd9977be07fcaf388605a0154abab0

personally would not buy a used german car older than 5 years. owned a 2005 325ci which actually had a very reliable engine. but once parts start to go, the car will become a money pit. but you make enough that if you like the car you can get one and just chalk it up to the cost of enjoying life a little.

as far as financing vs cash, its a matter of what the cash is doing. if it’s invested, will it realistically be out earning the interest rate (5-6%)? if yes, finance. if no, cash.

for example if you borrow $10,000 at 5% ($500 per year interest) while your invested cash $10,000 earns 6% ($600 per year), financing made you $100. if the cash is sitting in a savings account earning 2%, you’re losing $300 per year by financing.

We could do that, or we could try to explain that anything you see in this sub is the opposite of investment advice. Remember when every single dipfuck moron in here was prefacing every post with "DiS noT FiNanCiAl AdvIcE" like they have finra licensing to lose because they talk out their ass online to sound smart?

Ci holder here. I think pricing has been set in preparation for poor earnings

You really need to look at your plan documents. ESOPs have special rules. They are designed to protect the company from having to liquidate a lot of stock and damage their own stock price if they do a layoff.

If you are not going to reach retirement age, they are allowed to wait up to six years (current plan year + 5 more) after your separation before they begin to pay you out, and are allowed to spread those payments out over an additional 5 years. This is part of the federal law that defines ESOPs, 26 USC § 409 o1Aii and o1Ci respectively.

Not every plan will make these elections. Again, you don't want to be trying to ask HR specific questions, you want to be asking for a copy of your plan documents, so you can read the actual details. You should have received a copy when you signed up for the plan, they might even be already sitting in your inbox somewhere.

opinions on cigna $CI? looks highly undervalued here given a likely 10% annual EPS growth in what is like the safest industry out there

> It's not that Dave Ramsey gives bad advice,

No, he does absolutely give bad advice.

https://youtu.be/E3D35ioEmCI

https://youtu.be/E3D35ioEmCI

All you need to know about Dave Ramsey's investing advice, courtesy of Ben Felix (Common Sense Investing).

What is the meaning of CI? I don't know what to do now..

UNH has higher profit margins and sales (a few other things also).

CI has a better P/E, forward P/E, and P/FCF (a few other things also).

Before making an investment in either, I would want to know what the future prospects of both companies look like. Why are people paying higher prices for UNH's stock (based on P/E)? Why is CI's sales stagnating?

Why is CI dropping so much, it looks like good value

2013

> DURBAN, South Africa, March 26 (Reuters) - BRICS members China and Brazil agreed on Tuesday to use their own currencies in bilateral trade in a deal that will cover the equivalent of up to $30 billion in trade exchanges per year, for three years.

2023

> BEIJING, Feb 7 (Reuters) - China's central bank has signed a memorandum of understanding on setting up yuan clearing arrangements in Brazil, it said on Tuesday, in a move to help boost the currency's global clout.

It's taking them an awfully long time to switch off the dollar.

Never going to happen.

Conservatism is about maintaining that social hierarchy.

Sure they'll turn violent on any wealthy people they feel has undermined their social hierarchy. But they'll never give up their own wealthy.

I'm similar to you bud. So many ideas, so many starts.

Recently I have changed my approach. Now, before going with yet another idea for a bit, I'm first going to create a quick-start (or: accelerator) project.

This one must be able to be the basis for a host of ideas. That means it must be feature complete on the basics:

• user handling (employee(admin) and customer)
• authentication
• authorization
• be feature tested more than 100% (so, including unhappy flows)
• generate documentation automatically
• be dockerized
• have the infrastructure as code (IaC)
• MR/PR must run fully automed CI/CD
• fully documented
• idea agnostic

Having all that in 1 project will allow other ideas to skip the whole setup phase and immediately start on the "money processes" of each idea. Those are the unique selling point processes.

The above is the part I always loop myself into as "must have all these things before it can do X". Which is only partially true, I know, but doing it again and again has already cost me so much time that this setup is going rather proficiently. As a side effect, I'm already working on the idea that it by itself is a sellable product...

Anyhow, also structure. Document your setups (think of a name and sign up for an Atlassian company for all the tooling you need).

Jot down any random ideas in something like Jira Product Discovery or a simple note taker like Notion. Then ignore it while working on what you were already working on. Having it written down makes it so you don't forget it, can let it go (for now), but also can add more info to it if your brain wonders over in that direction.

Beyond this I haven't gone yet, so others that have something actually running can maybe help there.

Success kerel, en laat je niet gek maken he? En ja, sparen hier is zo makkelijk nog niet, maar met ervaring/jaren kun je job hoppen om dat te verhogen. Onthoud: je werkt voor je zelf, niet een ander. Je werkt voor de compensate, niet "we zijn hier 1 grote familie".

CI or Cigna looks like a good vslje

Damn, I’ve got a 2013 Altima 3.5 and I’ve been paying 70ish per month for full coverage for about 5 years now. I’m in MN and I’ve got State Farm. But I also have my homeowners insurance through them so I think that’s reason for part of the low rate. But that’s insane. Shop around. here are some reasons why your insurance went up.

tHe mArKeT Is aLwAyS EfFiCiEnT 🤡🤡🤡

Anyone loading up on CI and UNH?

My CI and UNH stocks getting murdered

They are so furiously masturbating to devasatating economic collapse (i NeXt BuRrY hUrR dUrR sPeCiAl AuTiSt LiKe MoViE) that they don't want to acknowledge that maybe people learn from the horrors of the past and Central Banks were created to smooth out the impact of recessions (besides other stuff of regulating financial systems and credit lending, job/price stability).

The data does seem to support its hypotheses, most significantly #5, that having a lower ranked income independent of absolute income accounts for most (~%90) of the increase in reported pain variable caused by socioeconomic status.

However the title of the article fails to disclose clearly something else the study finds:

“This model shows that individuals with lower income rank in their reference group experienced greater physical pain than those with higher income rank b = .102; p < .001; 95% CI [.094, .109]. These findings supported Hypothesis 2 of this study. These results also suggested that a one-unit decrease in income rank (i.e., moving from the top to the bottom of the ranking) increased physical pain (on a 0-1 measure) by 0.102 (10.2 percentage points).”

…. that moving from the highest to the lowest socioeconomic status only accounts for a 10.2% increase in reported pain.

My takeaway from this is that poor people suffer more pain in comparison to rich people independent of the absolute wealth of their country- however only to a degree of ~10%. Meaning, there are significant other factors which contribute to pain independent of income, absolute or relative.

An r^2 of 0.3 is a weak to no correlation. Your model doesn't predict the results, and you need to explore different variables.

Your model also fails the t-test at the 95% CI (you want values outside alpha/2).

Does your dev team need CI/CD, but nobody knows how to handle infrastructure?

My Done-For-You CI/CD service is just the ticket to a better development workflow.

Check out the details here:

https://www.inceptivecss.com/services/dfy-cicd

Sick of managing your own infrastructure?

I provide DevOps services to small teams of existing developers who need help with their workflows and infrastructure.

• Cloud infrastructure
• CI/CD
• Infrastructure-as-Code
• Internal tooling
• Security
• IAM

I've got over a decade of experience across the entire SDLC, and I've helped support teams all the way from solo devs to 30+ engineers. I'd love to help your team stop worrying about the operations side of the business.

https://www.inceptivecss.com

Anyone feel like CI (cigna) is currently undervalued given it’s multiples and earnings?

Yea debt seems like an issue but it oooks like a good play comparing it to its peers

What you guuys think ?

What’s up with CIGNA (CI) - seems quite oversold with a decent price/FCF?

I'm in the aspiring boat and am working to be able to start out for myself. To that end am developing some software that I can leverage for contract work, as well as that I can use to start/maintain SaaS things (got some ideas).

Anyway, most tools that help out for this are free for solo/small team use.

Gitlab, has great project/group management, ci/cd tooling, some security features, code version control, and a solid reputation.

Nearly everything Atlassian is free to start out with for the first 3, 5, or 10 users, product dependent. Jira for project management, Confluence for documentation, Atlas for a teams directory and OKR/project goaling & updates, Compass for an Internal Developer Platform, and Jira Service Management for a servicedesk/customer portal.

Sentry for Exception handling.

The AWS Free Tier products can get you up and running with domains and small scale hosting for free. Great for a website to market an idea prior to full hosting in a paid tier when you have some traffic/users.

Intellij IDEs aren't free but are a must have for developers. Alternatively VS Code.

Grafana for dashboarding and monitoring of data/statistics.

Slack for communication and integrations. A paid subscription also enables Slack Connect, the ability for inter-company connections (e.g. With customers or account t managers directly).

All of the mentioned services have integrations with one another out of the box. That way you have less content switching between project/task management and execution in the IDE. Also, the integrations save having to do a lot of manual steps.

Msft, Lowes, amat, avgo, ci

A lot of companies hire developers on per-projects basis, so you could pick the ones that fit your timeline. Usually they use agencies. You can reach out to the local ones you know or ping back recruiters on Linkedin that reached out before. Another great option are sites like Toptal or Lemon.io -- they can match you up with fitting projects with good pay.

Then there's a lot of possibilities for consulting. Offer to help companies with plannings, architecture, reviews, hiring, etc.

Or create a productized service. Package what you know best from your career and create bundles that you can offer consistently with little customization. This could be for example a CMS implementation or a CI pipeline setup. Then you would create a marketing website and some demos and cold contact companies that might need that.

>First off, get it out of your head you need a degree. It's not the best use of your time with where you're at. Additionally, you're worried about the leetcode and algorithms in an interview? What do you think a CS degree is? It's not a checkbox that will land you a $100K job. It'll be 2-4+ years of hard math, algorithm, programming classes. It's not something to be taken lightly. I guarantee you'll be spending many hours each day on this and most programs require prerequisites like calculus and java programming to even qualify.
>
>Several posts here alone have shown you it's possible to make such job changes by self-studying, myself included. You have a BS degree to check the box for HR, you've got IT experience, and certifications. Again, make sure you know the technical details for what you've got on your resume in and out to be prepared for interviews. You never know what interviewers will ask but you can prepare to be grilled for what you say you know on your resume.
>
>While pure SWE is different from sysadmin work, I imagine you do some scripting now? How do you like this? Is it something you see yourself getting better at? Find opportunities to use it in your daily job, it'll only improve your skills and open up jobs.
>
>If after this, you feel you'd still like to get into SWE, aim for jobs at banks, insurance, government. These are well-paying jobs and won't typically have leetcode style. Be warned, these will still be multi-round interviews with some style of hands-on coding and/or whiteboarding designs. When I made a career change or switched tech jobs, it was 4-6 hours per day of preparing, after my full-time job, for months. You need to understand what you'd be getting into. Like another poster said, doing this and anything worthwhile is going to be HARD. You need to determine if you're able and willing to undergo this long journey. Then make a plan and be disciplined.

>
>That being said, I believe your best option right now would be to first hone in on sysadmin jobs or cloud since you've got some experience with Azure. I don't know much about sysadmin, but can recommend diving into cloud work. Look at jobs like cloud admin, cloud engineer, cloud sales engineer. These will typically have less coding.
>
>https://cloudresumechallenge.dev/docs/the-challenge/azure/ This is a great challenge to work through, I've personally gone through it. If you can pick up up these skills in front-end, API, Python, testing, CI/CD, you'd have a very worthwhile project to showcase for entry-level SWE jobs. It seems like your personality requires something to work towards since you keep wanting certifications and degrees, so hopefully this challenge lays things out for you to pursue.
>
>I have to emphasize again: you've been pretty indecisive and flipping between careers. This is only going to eat up time that can be better spent. You've got 3 years of experience now in IT, you're approaching mid-level. Come up with a solid goal, make a plan to get there, stay off Reddit, and start executing. Dig in deeper and money will come.

>
>10K pension for 30 years + limited career and income growth is not worth it in my opinion. While it's true the market is fluctuating, the long-term and compound interest will win out. If you truly want such growth, you need to come to terms the other benefits like work-life balance will be at risk. You can't have both, at least for the short-term. Just preparing for new jobs now will be like a second-job. Put in the hard work now while you're younger and have less obligations. Once you get better jobs, you can worry about work-life balance.
>
>

Same with asking your boss about promotions. Nothing in life comes without risks. Stop worrying, plan and prepare to turn these into calculated risks, and just do it. Part of his job is helping you grow. If he doesn't support this, then you then know you need to go to another team or another job. Even if another team is only $5-10K more, that's growth, especially if it means skills growth. Get it out of your head: $100K jobs won't happen overnight. It'll take time, perseverance, and hard work to groom yourself into someone worth that much.

>
>$1500 for rent in a non-metro area is too high, I don't pay that much. Look into downsizing or roommates. I wouldn't consider a house, prices are still high and will only have more costs than a mortgage (insurance, property tax, maintenance, etc.). It's usually said that rent is the highest you'll pay, while a mortgage is the lowest you'll pay. Not to mention, a house takes a lot of time to maintain. Your time should be focused instead on improving your skills and finding a higher-paying job first.

>
>I feel like I'm repeating myself in this thread and from 2 years ago, as well as what others are saying in this post. I hope we're getting through to you and suggest you be decisive, stop posting such questions, and get to work.
>
>As another poster said: work on your mindset, approach things with positivity, make plans, and simply execute. Good things will happen.

No stock or ETF has a guaranteed return over any time period. If we go based on a comparison of VT to VOO from 2008 you can see VOO crushes VT.

VOO has a return of 222% in that period.

VT has a return of 87%

&#x200B;

https://finance.yahoo.com/chart/VT#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

CiTBank has a 4.5% APY Savings Account (no minimum or maximum).

&#x200B;

https://www.cit.com/cit-bank/bank/savings/savings-connect-account

when is the next rs, ci atm?

This is all you need to know about Stocks: ci->ci->ci->RS-~>repeat

I already participated in several "rs, ci, ATM Stocks", now there is nothing left for Stocks. Maybe i will save some money for six months and spend my hard earned money in a rs or on an ATM if a stock is in need the, let's see.

Please post your success story in the victory thread at the top of /r/personalfinance (well, unless it's Thursday during tax season, please wait until Friday afternoon if the Tax Thursday thread is up)!

You can ask any questions there too.

You may also find our wiki helpful:

• "How to handle $"
• Guides on many topics

If you have questions about this removal, please message the moderators.

Does your dev team need CI/CD, but nobody knows how to handle infrastructure?

My Done-For-You CI/CD service is just the ticket to a better development workflow.

Check out the details here:

https://www.inceptivecss.com/services/dfy-cicd

Sick of managing your own infrastructure?

I provide DevOps services to small teams of existing developers who need help with their workflows and infrastructure.

• Cloud infrastructure
• CI/CD
• Infrastructure-as-Code
• Internal tooling
• Security
• IAM

I've got over a decade of experience across the entire SDLC, and I've helped support teams all the way from solo devs to 30+ engineers. I'd love to help your team stop worrying about the operations side of the business.

https://www.inceptivecss.com

MMM, CI, EQT to start

https://preview.redd.it/ci747c6ipcta1.jpeg?width=1284&format=pjpg&auto=webp&v=enabled&s=c5e5c161ec92d9df2dc3ad9ad818694897a98b81

Update: averaged down and now I’m up 12k

I'm wondering if we're seeing the following:

1. Due to the speed of information and the public reach of corporate messaging, nearly all private corporations almost involuntarily settle into a "non-OPEC oil company" style of largely aligning prices like a cartel without actually being part of one simply by reliably responding to publicly discussed reasons for price increases with actual price increases, regardless of changes to cost.

2. The pandemic recovery provides a reason to increase prices to absorb that growth, for those businesses that survived. Prices are thus increased, regardless of changes to cost - perhaps even in expectation of increased cost (see the "almost involuntarily" bit above, this doesn't require actual collusion).

3. Increased prices economy-wide appear indistinguishable from inflation to regulators, regardless of increased profit margins across the board.

4. Increased profit margins absorb the hit to collateral from devaluing commercial real estate.

5. Lenders leverage corporate debt exposure to effectively absorb the increased profit margin through the corporate exposure to devalued collateral.

6. The absorption of profit by lenders makes apparent profit margins for corporations with debt exposure and office real estate assets much lower than they were when the debt was originally created, incentivizing increased prices and/or increased risk of insolvency for entities with financial exposure (either directly or indirectly through ownership relationships) to office real estate.

7. Return to 2), replacing "pandemic recovery" with "commercial real estate devaluation", "war in Europe", "supply chain issues", etc. I start with the pandemic because I suspect the subsequent recovery and exploitation served as a clear illustration to corporate management suites of the profitability enabled by 1).

Between 5) and 6), the overall economy wouldn't appear to be directly affected unless and until highly exposed entities literally collapsed and "fInAnCiAl cOnTaGiOn", otherwise known as economic overreliance on and under-regulation of international financial industry oligopolies, occurs.

One mechanism here that I find very poorly discussed by economic analysts is that by which the price is reduced. It seems to me that it is far more likely that reduction in realized demand from price increases would be followed not by decreased prices, but by further increased prices to cover the difference. If a threshold has been crossed where the demand to make this sustainable can no longer be realized, it continues up to and until the amount of demand that can be realized at that price is insufficient to operate the business. Post-collapse, all it looks like in hindsight is a vast oversupply, when in practice the primary driver of price increases was simply the profit motive, literally agnostic of the production strategy. It's certainly not a price spiral driven by wages, which I've never seen strong mathematical evidence for, and while it could theoretically be economy-wide, it doesn't have to be.

Historically, price decreases appear to often result from new products sold at lower prices, not any actual "response" of price to demand, with the exception of products with little to no chance of subsequent cheaper replacement - such as real estate. It'll be interesting to see if the response to this in office real estate is a reduction in prices charged for office real estate... or an application of that price ratchet, which will see a lot of vacant offices. The common refrain of rezoning to residential is a very... urbanite Redditor answer that remains ignorant of the reality that office buildings have fundamentally incompatible design to residential use from sewage alone. I say urbanite Redditor because most suburban or rural people have some understanding of the sheer volume of sewage a residence produces compared to a cubicle - even if you commute to an office, you aren't bathing and doing laundry and washing your dishes and cooking and shitting (usually) there at the same time you're working. Even across all the people working there, the volumes required of the waste piping are just not enough to simply re-designate the building to be residential - the poop doesn't just get magic-ed away by the City Sewage Fairy, much like the carbon emissions from getting produce to walkable distances in a "green walkable city" still... exist. Exporting them to rural areas between cities doesn't mean rural areas are actually responsible for them (any fallow rural area with living vegetation is technically carbon negative), but I digress.

Maybe we're already past the point where it starts looking like the "real" problem was an "oversupply" of office space that will be retroactively cited as the cause of the commercial real estate market collapse in future economics and history textbooks, as opposed to an "overpricing spiral" of existing supply.

I would use that CiT account as my main account, although it’s not a ‘checking’ account I can still make payments from it as well as withdraws is my understanding?

"CiT account for Emergency Fund and ??credit card payment?" Why credit card payments?

I was ci addressing the tech layoffs. A contractor will generally make 30/40 % more than they would as an employee.

It was mainly a joke. However you almost spelled it out for yourself there, it's more "fake thing is a thing". The value of the thing (the illusion) is still a thing of value, even if it is of negative value to some, it might hold a positive value to others. For example the general consumer doesn't like the illusion of value and assigns the illusion a negative value. On the other hand the sketchy merchant might like the illusion because it helps them sell more shitty crap and assigns the illusion a positive value.

Simpsons based TL;DR

>Are there better ways I can look at and contextualize my life?

For starters, quit using the words “faceless” and “generic” so much. You come across as someone who thinks they are the only person with a genuine internal life who is motivated by something other than money. Knock that shit off. Contempt for the way others live is not a good look.

When someone comes here and asks a dollars-and-cents question, you see only the question, and you are making the flawed assumption that there is nothing behind the question except a naked desire for more dollars and cents. There is almost always something behind the question — there is a reason the person asking it needs more dollars. They don’t go into detail on that reason because it’s usually not relevant and just wastes time. (And also because they don’t want unsolicited feedback on the reason.)

Let’s say you love cars (just don’t admit it in this sub, because cars are a dEpReCiAtInG aSsEt), or you love art, or you love travel, or whatever. Everyone has something they are passionate about. Everyone. People express those passions in a car subreddit or an art sub or a travel sub. The questions they ask here are limited to the task of getting the money to pursue those passions. If I have a passion for X, this is not the best place to ask “should I spend $2,000 on X?” Because I’m asking people who don’t value X the way I do. They’re always going to say no. I’m going to get the “optimal” answer for a generic(!) individual, not the answer for me.

Which leads me to the last point: Stop reading advice to others as advice to you. It’s a cliche to say personal finance is personal, but that doesn’t make it untrue.

Dave is good for BS1 - BS3.

After that go to Bogleheads forum.

https://youtu.be/E3D35ioEmCI

When in fact after the Great Recession it was the perfect time to invest in stocks and watch the US Stock market skyrocket.

Does your dev team need CI/CD, but nobody knows how to handle infrastructure?

My Done-For-You CI/CD service is just the ticket to a better development workflow.

Check out the details here:

https://www.inceptivecss.com/services/dfy-cicd

His strike from the mound in Yankee stadium after 9/11 begs to differ

Sick of managing your own infrastructure?

I provide DevOps services to small teams of existing developers who need help with their workflows and infrastructure.

• Cloud infrastructure
• CI/CD
• Infrastructure-as-Code
• Internal tooling
• Security
• IAM

I've got over a decade of experience across the entire SDLC, and I've helped support teams all the way from solo devs to 30+ engineers. I'd love to help your team stop worrying about the operations side of the business.

https://www.inceptivecss.com

CMS, which determines Medicare payment rates approved a 3.3% increase vs. the 1.1% they initially approved. So looks like that FUD around the healthcare insurance sector from that cut was a nonthin burger. UNH, HUM, CI, and others from sector are up from that news.

https://www.discover.com/online-banking/savings-lng-04/?TPR=022&cmpgnid=ps-bk-ggl-bnd-OSA-pros&src=GOBP223&van=Dbank&gclid=Cj0KCQjwz6ShBhCMARIsAH9A0qWDHWVblmerMno0Thclckq1qT5G7mJGp9ZO9WAxt2QpP-ciLkAIoc4aAkZiEALw_wcB&gclsrc=aw.ds

This post is better suited for the weekday or weekend thread (please wait until Friday afternoon if the Tax Thursday thread is the current sticky). If that link doesn't work, it's the second post from the top on /r/personalfinance.

Posts removed for this reason typically fall into a gray area for rule 1 or another subreddit rule or the moderator reviewing this post believes that you will receive higher-quality responses on the weekday or weekend thread.

Do not repost this as a submission.

If you have questions about this removal, please message the moderators.

>Gapping up/Gapping down https://t.co/QAP0CI53BH

^*Walter ^Bloomberg ^@DeItaone ^at ^2023-03-31 ^08:02:58 ^EDT-0400

Unlock the Power of Your Portfolio: Proven Strategies for Maximizing Returns in the Stock Marketis legit the only book I feel is geared towards beginners.

There are a lot of books with a ton of knowledge (many already recommended) but they seem to be written with the intent of showing off THEIR knowledge instead of teaching YOU anything.

rare photo of u/gnnr25

https://imgur.com/a/kCi2mF3

Unlock the Power of Your Portfolio: Proven Strategies for Maximizing Returns in the Stock Marketis legit the only book I feel is geared towards beginners. There are a lot of books with a ton of knowledge (many already recommended) but they seem to be written with the intent of showing off THEIR knowledge instead of teaching YOU anything.

Klang Gang is back on the menu boys!

But no, I'm not falling for that bullshit again. This happens everytime there is uncertainly in the market.

Boomers come out screeching about pReCiOuS mEtAlS being the "safe haven."

This isn't the 1970s

>you didn't, you said nano caps match the performance of mid caps thus beating large caps, but im just showing you that nano caps as the ones being responsible for the outperformance

Dude, you are just plain wrong. I don't even know why I am arguing anymore, charts are posted online and show that literally any other S&P other than S&P 500 outperforms the S&P 500. The only question is which one is outperforming it the most and that is S&P 400, the mid caps. And no, nano caps aren't responsible for that as they are given the smallest part in any index, unless that's specifically a nano cap index.

>but it is related to small caps

Not in this case and I have repeated that to you 1 million times already. FFS, just open charts and look at them yourself. Cuz you keep repeating trash to me time and time again, no matter if it checks out with reality or not.

>but there's also the potential if you break down said midcaps further some sub-components of the midcaps might underperform the larger/smaller caps - giving it the same issue with SMB with only a sub-set of SMB itself responsible for the entire group's outperformance

I looked at that and no mid caps perform the best, only nanos match them in performance, but not risk adjusted performance.

>relatively smaller companies is what drive the returns even if it isn't
particularly small caps (including relatively smaller midcaps), the
literatures note this already

So why doesn't everyone invest into them? If returns are better, that would be a case, but like 90% of whole industry clings onto S&P 500, which underperforms even compared to VTI. I don't know, maybe 90% are stupid, but that's a seriously rude claim and probably not true. Maybe people seek less volatility. I don't know, but if performance/risk was superior of certain assets they should over time attract more investors and yet S&P 400 is anything but that. In fact, even S&P 600 is a bit more popular for no reason whatsoever. It's more risky and less performant.

>you're assuming a perfect linear relationship again

No, I don't. I literally looked at charts and small caps don't beat mid caps.

>im not aware of literatures saying that, could you refer me some so that i could research it?

No, it's my own theory. There's really no other way to explain why they perform so well and even sometimes handle some crises better than S&P 500.

>how come yours different

Dunno, I just looked at charts. BTW I looked at percentage chart. I will drop a link, but dunno if it will work:

https://uk.finance.yahoo.com/chart/%5ESP400#eyJpbnRlcnZhbCI6Im1vbnRoIiwicGVyaW9kaWNpdHkiOjEsImNhbmRsZVdpZHRoIjoyLjY0MjU5MjU5MjU5MjU5MjQsImZsaXBwZWQiOmZhbHNlLCJ2b2x1bWVVbmRlcmxheSI6dHJ1ZSwiYWRqIjp0cnVlLCJjcm9zc2hhaXIiOnRydWUsImNoYXJ0VHlwZSI6ImxpbmUiLCJleHRlbmRlZCI6ZmFsc2UsIm1hcmtldFNlc3Npb25zIjp7fSwiYWdncmVnYXRpb25UeXBlIjoib2hsYyIsImNoYXJ0U2NhbGUiOiJwZXJjZW50IiwicGFuZWxzIjp7ImNoYXJ0Ijp7InBlcmNlbnQiOjEsImRpc3BsYXkiOiJeU1A0MDAiLCJjaGFydE5hbWUiOiJjaGFydCIsImluZGV4IjowLCJ5QXhpcyI6eyJuYW1lIjoiY2hhcnQiLCJwb3NpdGlvbiI6bnVsbH0sInlheGlzTEhTIjpbXSwieWF4aXNSSFMiOlsiY2hhcnQiLCLigIx2b2wgdW5kcuKAjCJdfX0sInNldFNwYW4iOm51bGwsImxpbmVXaWR0aCI6Miwic3RyaXBlZEJhY2tncm91bmQiOnRydWUsImV2ZW50cyI6dHJ1ZSwiY29sb3IiOiIjMDA4MWYyIiwic3RyaXBlZEJhY2tncm91ZCI6dHJ1ZSwicmFuZ2UiOm51bGwsImV2ZW50TWFwIjp7ImNvcnBvcmF0ZSI6eyJkaXZzIjp0cnVlLCJzcGxpdHMiOnRydWV9LCJzaWdEZXYiOnt9fSwic3ltYm9scyI6W3sic3ltYm9sIjoiXlNQNDAwIiwic3ltYm9sT2JqZWN0Ijp7InN5bWJvbCI6Il5TUDQwMCIsInF1b3RlVHlwZSI6IklOREVYIiwiZXhjaGFuZ2VUaW1lWm9uZSI6IkFtZXJpY2EvTmV3X1lvcmsifSwicGVyaW9kaWNpdHkiOjEsImludGVydmFsIjoibW9udGgiLCJzZXRTcGFuIjpudWxsfSx7InN5bWJvbCI6Il5HU1BDIiwic3ltYm9sT2JqZWN0Ijp7InN5bWJvbCI6Il5HU1BDIn0sInBlcmlvZGljaXR5IjoxLCJpbnRlcnZhbCI6Im1vbnRoIiwic2V0U3BhbiI6bnVsbCwiaWQiOiJeR1NQQyIsInBhcmFtZXRlcnMiOnsiY29sb3IiOiIjZmYzMzNhIiwid2lkdGgiOjIsImlzQ29tcGFyaXNvbiI6dHJ1ZSwic2hhcmVZQXhpcyI6dHJ1ZSwiY2hhcnROYW1lIjoiY2hhcnQiLCJzeW1ib2xPYmplY3QiOnsic3ltYm9sIjoiXkdTUEMifSwicGFuZWwiOiJjaGFydCIsImZpbGxHYXBzIjpmYWxzZSwiYWN0aW9uIjoiYWRkLXNlcmllcyIsInN5bWJvbCI6Il5HU1BDIiwiZ2FwRGlzcGxheVN0eWxlIjoidHJhbnNwYXJlbnQiLCJuYW1lIjoiXkdTUEMiLCJvdmVyQ2hhcnQiOnRydWUsInVzZUNoYXJ0TGVnZW5kIjp0cnVlLCJoZWlnaHRQZXJjZW50YWdlIjowLjcsIm9wYWNpdHkiOjEsImhpZ2hsaWdodGFibGUiOnRydWUsInR5cGUiOiJsaW5lIiwic3R5bGUiOiJzdHhfbGluZV9jaGFydCIsImhpZ2hsaWdodCI6ZmFsc2V9fV0sImN1c3RvbVJhbmdlIjpudWxsLCJzdHVkaWVzIjp7IuKAjHZvbCB1bmRy4oCMIjp7InR5cGUiOiJ2b2wgdW5kciIsImlucHV0cyI6eyJpZCI6IuKAjHZvbCB1bmRy4oCMIiwiZGlzcGxheSI6IuKAjHZvbCB1bmRy4oCMIn0sIm91dHB1dHMiOnsiVXAgVm9sdW1lIjoiIzAwYjA2MSIsIkRvd24gVm9sdW1lIjoiI2ZmMzMzYSJ9LCJwYW5lbCI6ImNoYXJ0IiwicGFyYW1ldGVycyI6eyJ3aWR0aEZhY3RvciI6MC40NSwiY2hhcnROYW1lIjoiY2hhcnQiLCJwYW5lbE5hbWUiOiJjaGFydCJ9fX19

>because what you are claiming by saying that midcaps are responsible as the primary return drivers is an attempt to falsify the existing literatures on SMB

I don't see anything so special about that. Literature is full of theories and most of them don't work. I mean we still believed efficient market hypothesis, but it's been bust and bunk for decades. It's just a matter of time until SMB will be. FFS, even US economy was not so long ago based on trickle down economics, despite it being a crazy idea without reality backing it up.

>what you're claiming saying small caps don't drive the returns and mid caps do

I don't claim that. I just say that mid caps outperform small caps, but they are both performing better than S&P 500

>there's an entire industry investing based on SMB

And yet most mutual funds underperformed (and still do) S&P 500, finance industry is full of clowns and people who think that they are smarter than they are.

Here is a screenshot of my current statement

https://imgur.com/a/YcJJ8Ci

I don't know if it's maybe a loss in translation moment or what

ArTiFiCiAL InTuLLiGuNcE 🤡

Is that worth the sacrifice of .75% for all that? Citizens is 4.25 and CiT is 4.4 at the moment.

Fed Barr testifies about bank failures

https://www.youtube.com/live/xJDd2VRAtCI?feature=share

https://youtu.be/uB3ciHT5qwY

Made on a 150 dollar printer with 20 dollar filament

And here is a prophet you may like...

https://youtu.be/P0rAhsUs3zE

You might relate to him.

Truth could be your best friend if you'd only let it in.

dId U gEt ThE vAcCiNe? NoT mEe, Im SmArT

Except returns aren't even close:
https://uk.finance.yahoo.com/chart/VTI#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--

>Cigna, Humana, Prime Therapeutics Named in Ohio Price-Fixing Lawsuit -- WSJ $CI $HUM twitter.com/DeItaone/statu…

^*Walter ^Bloomberg ^@DeItaone ^at ^2023-03-27 ^11:28:40 ^EDT-0400

>Pharmacy-Benefit Managers Accused of Price Fixing by Ohio Attorney General -- WSJ $CI

^*Walter ^Bloomberg ^@DeItaone ^at ^2023-03-27 ^11:27:49 ^EDT-0400

It's a bit of a catch 22; if you say that you don't have prior insurance because you didn't own a car, you may still end up with a higher insurance cost in future when you buy a car because of not having history.

A possible way out is to get "non-owner insurance" - link from Wallethub that explains what it's for

https://wallethub.com/edu/ci/non-owner-car-insurance/9833

Keep in mind :

1. Costs are likely to be low ($200-500 is what the article says, shop around with multiple companies to see what's the best you qualify for).

2. This insurance can come in handy if you rent a car; you can decline the rental company's insurance and still be covered; you'd have a deductible , but are covered against significant loss.

Even if you don't drive often / don't borrow cars / don't rent cars - this helps to show a "history".

How long do you plan to keep that new car? If you're going to spend that much money on a car, why not drive it for over a decade. If you're worried about "depreciation" why not pay for one thing, and drive it until the wheels fall off? And if you're going to do that, why not just buy something 6 years old with 60k miles and drive that for 10 years?

Factoring in for depreciation is like saying you want to keep a car nice for the next person who owns it. I'm saying get the every bit of full value you can out of a car. People on this sub talking about how awful it is that cars are big shiny status symbols? Yep, I agree, that's a great point, so keep driving the same car until it absolutely gives out and ring every cent out of it than can be rung.

Depreciation isn't a bill you pay every month.

Do you think about depreciation when you buy a toaster or a blender? No, you pay for the thing so that now you have the thing and you're going to keep toasting untill it won't toast any more.

"dEpReCiAtIoN!!1!!¡!“

Dumb

Sir this is Economics not it could be worse. Were here for economic info/news not aT lEaSt It IsNt a CiViLwAr

Hey there! My startup offers automated FP&A tools to SMB's and we're looking to partner with professional bookkeeping firms, such as yourselves, to leverage our tool as a white-labeled reporting portal for your clients - imagine "portal.thebookkeepersrus.com". It'd be completely managed on our end & could add tremendous value to you & your clients. Check out our demo here and let me know what you think - would love to connect if you're interested! :)

Hey there! My startup offers automated FP&A tools to SMB's and we're looking to partner with bookkeepers who could offer our tools as a white-labeled, premium reporting portal for your clients - imagine "portal.marginwall.com". It'd be completely managed on our end & could add tremendous value to your business. Check our demo here and let me know what you think - would love to connect if you're interested! :)

Hi! My startup is looking to partner with bookkeepers, specifically industry-specific bookkeepers! Our automated reporting tool integrates directly with QBO, but we're now looking to provide industry-specific KPI metrics (for agencies it might be churn, LTV, CAC, etc.) on top of financial data from. As a bookkeeper, you could offer this as a premium service to your clients without any sweat off your back! Check out a demo here and feel free to let me know what you think - would love to connect if you're interested! :)

Hi! My small business is actually looking to partner with bookkeepers to help them provide more financial insights to their clients with an automated reporting tool I've created! It integrates directly with QBO & it's plug-and-play, meaning new clients can get setup within minutes. Check out a demo here and lmk what you think - would love to connect if you're interested!

ps - love your company name :) 🐈🐈

A financial analysis & reporting software for small businesses & startups! It's plug & play, integrates with Quickbooks Online, and can be set up in minutes!

Check out the demo here: https://app.powerbi.com/view?r=eyJrIjoiYTg1YWI1MTItNmFjMS00MTE4LWI1YjQtOTQ4MmYwNDUxMGMwIiwidCI6IjQxYmIyZjc0LTljNTAtNGU5YS1hNmYwLTFkZWIzMGE1N2ZiZSIsImMiOjF9

If you want free stuff use my link I think it’s Canada only

https://temu.com/s/W6oSHW9N721wCiU

Puttin with ci

Theme song of the day https://youtu.be/rCiBgLOcuKU

https://www.bloomberg.com/news/articles/2023-03-20/credit-suisse-collapse-reveals-some-ugly-truths-about-switzerland-for-investors

pLeAsE pErCeIvE, pOsSeSsInG pReCiSeLy 3 mOrTgAgEs pRoViDeS pErPlExInG pErSpEcTiVeS! pEoPlE pOoH-pOoH pRoBaBiLiTy oF dEfAuLt, pRaYtElL, pErHaPs pOnDeR pArTiCiPaTiNg iN cOlLeCtIvE cReDiT uNiOn pRoJeCtS! pRoCeSs pRoMiSeS pReCiSe pArAmEtErS, pRoViDiNg pRoFoUnD pErCePtIoN & pRoGrEsSivE pEnNiEs sAvEd tOwArD mOrTgAgE lOaNz.