Utilization has no memory. 1 month after paying it off, your score will reflect only the new low balance with no consideration to what happened before.

HOWEVER.....

Two other possibilities exist here. Once you start making significant progress paying down your bill, you might find the bank will lower the credit line to match your new balance. Basically they have assessed you as riskier than your current CL should allow for, so will take advantage of the opportunity to reduce their risk. This will obviously affect your utilization, but it will bounce back eventually if you behave yourself.

The other possibility, ironically, is that your credit line might actually increase, maybe doubling or more. Once the bank sees that you are fully utilizing the credit they've extended you AND paying it off, you present yourself as a valuable customer and they want to give you as much rope as possible to encourage future spending.

Just remember, ALWAYS be sure to make your payments on time, even if it's only the minimum. Also remember that no amount of interest you pay will ever positively affect your score. There is no advantage to paying interest, especially at CC rates, so best to not have any at all.

Motorcycle only after all your debts are paid off and paid for only with cash. Don't finance your dreams.

This is what I bought

https://www.homedepot.com/p/Pinegreen-Lighting-900-Watt-Equivalent-15-000-Lumens-LED-4-Panel-Garage-E26-Bulb-with-Central-Downlight-5000K-Daylight-CL-BU-G150/318757748

Even if your goal is owning your home free and clear, you should consider the investment strategy rather than the extra payments. Check this video for why:

https://youtu.be/clLW5N2SVyM

Ok, there's a lot of ground to cover here, so I'm going to address several issues, in no particular order.

First, the "listed reasons" for denial aren't exactly that. What they actually list are "factors that have a negative effect on your score". Basically, they're telling her everything that's not 100% perfect. They can still decide to deny her anyway. It's odd that she is unable to get accepted for student cards. Those are specifically marketed to people who have little to no credit history. If you get denied for those, there's almost always some other problem. Have you pulled a copy of her credit reports to see if there's anything funny on there?

Adding her as an AU would add the credit history from that card to her report. In theory, that would help her out. In practice.... who the hell knows. Personally, I would advise against it. Banks really like to loan people money. Their entire business model relies on it. For them to pass on the opportunity to get their fish hooks into a fresh new customer is mildly suspicious.

As far as why she needs the card, if she's even considering using it as a source of funds for use in an emergency, she's likely better off not having it. You never use a credit card for any purchase if you don't already have the funds in your bank, ready to pay off that purchase immediately if need be. The day when this is no longer true is the day you stop using credit cards until you get your financial life back in order. I understand that this is a philosophy that is not strictly followed by, well, pretty much anybody. But it's not a habit you want to get into. Otherwise, you might find yourself in the position where your definition of an "emergency" is somewhat flexible, especially when you have virtually unlimited funds available to address it. This isn't a huge problem with a $500 credit line. It's a much more serious one when the CL is $20K and your "emergency" is that you let your budget slip by making a few large unnecessary purchases a month back and now suddenly you're faced with the prospect of paying rent or paying your CC bill.

My point is, don't let her think of it as an emergency fund. And regardless, better for her to get started with a low credit limit. Propping up her credit history by letting her leech some of your glory will allow her to bypass some important learning experiences. Climbing out of a $500 CC debt is SO much easier than climbing out of a $20000 CC debt, especially on a student's income.

One other thing. There's a reason why AU accounts "lend" their credit history. The idea is that the authorized user is actually USING the card. Therefore they have some experience using it responsibly, presumably under the guidance of the primary cardholder. By not giving your sister the card and letting her use it (which is a wise choice, don't get me wrong) she's missing out on that experience. My personal favorite analogy is that you're giving a 5 year old a chainsaw without teaching him how to use it first and justify this action because it has no gas in it.

Nobody posted the toothpaste beats yet:

Colgate-Palmolive Co.(CL) EPS: $0.70 expected $0.73 actual

Rev:
$4.56 B expected $4.77 B actual

Friends of friends, friends of coworkers, internet posts on craigslist, roommate ads on FB or CL. No, it isn't always convenient or the most comfortable thing in the world but you do what you have to do.

ClOV -95% loss...

You're conflating like 50 different things here.

First off, are you sure you want to live in a 1BR with a SO? How would that work with your business (and hers) not to mention it sounds like a recipe for a break-up.

If not, why wouldn't you just move into your GF's 2BR? I would assume her tenant is not just a CL rando, and would be willing to move out. Whether you pay her rent or not is between you guys, but why add complexity with renting a SEPERATE place?

Get your life locked down a bit first, then figure out RE investing.

> So, I'm against paying half the vehicle's value to fix the A/C.

You're paying half the vehicle's price, not half it's value. When you're talking about a < $3000 car, something that you've had for a while and you know doesn't have any major issues has a lot more value than something off FB/CL with an unknown history.

> it seems to be having a lot of small things pop up that each cost $200-$600 each

If DIY is an option for you, you can probably save a lot doing the repairs yourself. Youtube has videos on how to do almost anything.

> I start a new job in August where I'll be making $55k/year temporarily, which will increase to $117k in May, 2024 once I am hired full-time after probation period.

Don't spend $117k before you're making $117k. A lot can happen in the next 13 months.

> my plan was to try to get a credit union to give me financing > buy a used car from a private party

Very few banks or credit unions do private-party vehicle loans, and the rates are usually absurd. Verify that this is even an option for you before you start planning on it.

> a 2013 Toyota Prius with under 100k miles ideally > Probably a 60-month term?

A Prius in that mileage range is an exceptionally poor choice, because it's nearing the end of the original hybrid battery's life span and will almost certainly need a new one during the life of your loan. If you're going to buy something that old, get a Corolla or a Camry.

What I would do is find a way to finance the AC repair on your current car. With a 750 credit score, you can probably get approved for a 0% intro offer credit card, but a personal loan might be an option. Some mechanic shops offer financing too, but I don't know how expensive it might be.

That last statement is generally not true. Most CLIs require only a soft pull, which does not affect your score. Increased CL = lower utilization (assuming no new purchases) = better score as of the next reporting cycle.

Current investment elections are 55% FXAIX, 20% BTC EXTND MKT IDX, 15% SP GLB EXUS IDX CL C, 10% FID FRDM INX Date Y

My target date fund has low fees at 0.06% (Class Y), which they just lowered from 0.07% (Class T).

Slowly moving out of higher expense funds. I will keep a couple fund positions I currently have but won't continue to put money into them, at least for now. For example, RNPGX, TRP Blue Chip Growth, BTC MSCI ACWI IMI, MIP II CL 4, BTC US Debt Index,

FID FREEDOM 2005 K (FSNJX)

FID FREEDOM 2010 K (FSNKX)

FID FREEDOM 2015 K (FSNLX)

FID FREEDOM 2020 K (FSNOX)

FID FREEDOM 2025 K (FSNPX)

FID FREEDOM 2030 K (FSNQX)

FID FREEDOM 2035 K (FSNUX)

11/06/2003

FID FREEDOM 2040 K (FSNVX)

FID FREEDOM 2045 K (FSNZX)

FID FREEDOM 2050 K (FNSBX)

FID FREEDOM 2055 K (FNSDX)

FID FREEDOM 2060 K (FNSFX)

FID FREEDOM 2065 K (FFSDX)

FID FREEDOM INC K (FNSHX)

MIP CL 1

FID US BOND IDX (FXNAX)

PIM TOTAL RT INST (PTTRX)

FID GOVT MMKT (SPAXX)

That's everything. I currently do max contribution of 12% and my company matches up to 6%. this is super helpful, thank you so much for helping me get a better idea on this.

Sometimes the bank will use 10% of your CL as a minimum payment, but mostly, if you can show several months of statement that are PIF, you can argue for $0.

Some implied moves for earnings next week - 1651 companies reporting:

$MSFT 4.1%
$GOOGL 5.4%
$META 9.1%
$AMZN 7.1%
$SNAP 15.8%
$PINS 10.0%
$INTC 6.9%
$ATVI 7.6%
$NET 11.2%
$FSLR 7.6%
$AMGN 3.2%
$GILD 3.5%
$DXCM 9.7%
$SKX 9.3%
$SAM 10.7%
$AYX 13.8%
$MHK 10.3%
$FICO 8.3%
$XOM 3.0%
$CVX 2.9%
$CL 3.9%
$CHTR 6.7%
$ROKU 13.6%
$TDOC 12.2%
$NOW 6.5%
$CAT 4.7%
$ABBV 3.0%
$MA 3.3%
$LLY 4.1%
$DPZ 5.8%
$CROX 9.7%
$MRK 2.8%
$LUV 5.1%
$HON 3.3%
$BMY 2.6%
$HAS 9.0%
$HOG 8.1%
$NEM 3.9%
$ALGN 10.0%
$EBAY 5.7%
$WM 2.6%
$ORLY 5.3%
$QS 11.5%
$NVRO 15.5%
$VKTX 23.2%
$BA 4.7%
$HES 4.4%
$HUM 3.2%
$V 3.5%
$CMG 6.2%
$TXN 4.4%
$BYD 6.7%
$JNPR 5.2%
$AZZ 7.4%
$ILMN 6.7%
$TECK 5.6%
$TMO 4.0%
$CME 3.0%
$R 8.6%
$UPS 5.0%
$VZ 4.1%
$GM 5.9%
$MCD 2.6%
$GE 4.6%
$SPOT 9.3%
$PEP 2.2%
$MMM 4.5%
$RTX 3.0%
$JBLU 8.0%
$DHR 4.2%
$BIIB 4.3%
$UBS 8.1%
$GLW 5.1%
$FISV 4.2%
$PII 8.2%
$SHW 7.1%
$TRU 8.6%
$HUBB 6.6%
$NVS 4.2%
$CLF 7.3%
$FRC 27.7%
$WHR 4.8%
$BRO 5.4%
$CDNS 6.5%
$KO 2.1%

&#x200B;

Some implied moves for earnings next week - 1651 companies reporting:

$MSFT 4.1%
$GOOGL 5.4%
$META 9.1%
$AMZN 7.1%
$SNAP 15.8%
$PINS 10.0%
$INTC 6.9%
$ATVI 7.6%
$NET 11.2%
$FSLR 7.6%
$AMGN 3.2%
$GILD 3.5%
$DXCM 9.7%
$SKX 9.3%
$SAM 10.7%
$AYX 13.8%
$MHK 10.3%
$FICO 8.3%
$XOM 3.0%
$CVX 2.9%
$CL 3.9%
$CHTR 6.7%
$ROKU 13.6%
$TDOC 12.2%
$NOW 6.5%
$CAT 4.7%
$ABBV 3.0%
$MA 3.3%
$LLY 4.1%
$DPZ 5.8%
$CROX 9.7%
$MRK 2.8%
$LUV 5.1%
$HON 3.3%
$BMY 2.6%
$HAS 9.0%
$HOG 8.1%
$NEM 3.9%
$ALGN 10.0%
$EBAY 5.7%
$WM 2.6%
$ORLY 5.3%
$QS 11.5%
$NVRO 15.5%
$VKTX 23.2%
$BA 4.7%
$HES 4.4%
$HUM 3.2%
$V 3.5%
$CMG 6.2%
$TXN 4.4%
$BYD 6.7%
$JNPR 5.2%
$AZZ 7.4%
$ILMN 6.7%
$TECK 5.6%
$TMO 4.0%
$CME 3.0%
$R 8.6%
$UPS 5.0%
$VZ 4.1%
$GM 5.9%
$MCD 2.6%
$GE 4.6%
$SPOT 9.3%
$PEP 2.2%
$MMM 4.5%
$RTX 3.0%
$JBLU 8.0%
$DHR 4.2%
$BIIB 4.3%
$UBS 8.1%
$GLW 5.1%
$FISV 4.2%
$PII 8.2%
$SHW 7.1%
$TRU 8.6%
$HUBB 6.6%
$NVS 4.2%
$CLF 7.3%
$FRC 27.7%
$WHR 4.8%
$BRO 5.4%
$CDNS 6.5%
$KO 2.1%

How long a car lasts also depends on the quality of car you buy (and sometimes a little luck). I bought a 2001 Acura CL in 2007 with 75k miles, paid it off in 2013, rolled the odometer to 260k miles and it’s still going today as my daily driver. I’d say Kia/Hyundai are much better cars today than they were 10 years ago, but Honda/Toyota have been good for decades. Price is what you pay, value is what you get.

What percent of you credit limit are you using? Make sure your statements are 30% of the CL, so $400. If need to spend more, buy something, pay the CC, buy something, pay the CC. Or even better pay it before the statement comes out, that way your credit utilization will be low.

Reminds me of this

I work at wendy's...

In actuality, I trade for a living, mainly trade futures. NQ/ES/GC/CL

would love to connect with other traders

I just called on both Citi cards and didn’t get approved for a CL increase

Thanks for the hot goss, chatbot. June 2021? If interested in recent data-Miami still seeing price growth, Phx holding at -3%, CA markets from SF to Riverside dropping, Vegas #1 in inventory growth and price cuts. BK/CL Feb 23.

>2x, not sharing full details here but I am equipped for early FIRE goals.

Agreed with your second statement, but that’s how my employer does it, they cl 25% for every dollar i contribute. It works out to <4% of my overall salary. So it nets out to a small match if I go to the maximum, which I don’t want to this year.

Thats just silly. CNN has actually always been a pretty balanced network, assuming your talking political shit. FOX and MSNBC have never been anything but 110% partisan bullshit, both perpetuating flat out nonsense 24/7 for decades.

They had that Deborah woman leak debate stuff to Hillary to cheat against Bernie Sanders once, and she was subsequently fired. That was pretty much the only instance of a person within the network doing some shady partisan shit. FOX on the otherhand, pretty much every single anchor or network speaker is flat out a high level GOP party member that straight up speaks at CPAC and works directly with political GOP campaigns, fundraisers etc. Like... all of them. Its not even slightly subtle. The worst things CNN has ever been accused of doing are things that happen on FOX a dozen times in the first 15 minutes of the 8am news. MSNBC, is the same shit just dialed back 25%, (which is still atrocious, its just next to impossible to fully embody and match FOX level of insanity)

Its objectively dumb that CNN is the political boogeyman to peasant level conservatives that dont know any better. And no middle or upper tier conservatives would ever consider them "the worst" and actually believe it. They might SAY it, because its become some weird kind of slogan, but the smart one no better.

I mean, lets be real here... Nobody has ever had an issue with CNN, The Times, ABC, NBC, Al Jazera, BBC, and basically every other network besides fox and newsmax before, until Trump got himself into trouble and told everyone to hate and disbelieve any form of news that reports anythingbesides kissing his ass. CNN just wound up being the favorite target because it has a convenient acronym. Thats pretty much it. What most people dont realize, is that repeating it doesnt do anything but make the average person identify you as being stupid. You can all laugh and have a chuckle and encourage eachother to say that dumb shit in your inner circle of of peers, and maybe doing so is what makes them all so naive to the real world implications of repeating silly shit like that.

But in real life the vast majority of people just instantly identify you as someone who doesnt know what theyre talking about, and know you are likely to follow a predetermined set of carbon copy values and beliefs that someone else laid out for you. Running around taking every opportunity to shout "ClInToN NeWs NetWoRrrrk" in places like options trading subreddits, just alerts everybody that you probably dont have much to say that has any value whatsoever.

You need to tap into a dispatcher. Pay then per referral. Trucking dispatchers for example. You could also set up a website or place ads on CL offer up, or social media. Those can be targeted by geography. If you don’t have a truck or trailer, let them know that they must pick up and drop off.

For some additional information. The fund I use for my car payments is "VWAHX VANGUARD HIGH YIELD TAX EXEMPT INVESTOR CL". I get about "77.36" per month for just parking that money there and pulling out money every month.

If you are looking at other funds like "VTSAX", you can get in now while it is near all time lows. That way in 5-20 years when you want the money it should have gotten a ton of extra dividends and overall growth.

In general you need to figure out how much you are going to spend on projects, how much you will save for retirement and how much you want diversified of that project/retirement money.

Depending on how old you are, you can go for guaranteed growth with a simple monthly dividend and be happy. Or you can be more aggressive and try to grow the money to 2x-4x with investments in large funds at current record low prices.

Okay, I think I was confused cause I use vanguard (what I had before tsp), and my roth account is called a “Roth IRA Brokerage” account. That’s where I have my vanguard 500 index admiral cl. But once I Max that out ($6000, depending on how much I put in my Roth IRA with TSP so the IRS doesn’t come after me), then I could do a non-Roth IRA brokerage account. (Looked it up and looks like they might call these “standard” or “margin” brokerage accounts…idk).

/CL just broke out. Why I have a long call on XOM. Also holding bp uncovered. I have KO too, but uncovered as well , but writing naked puts on KO,BP easy money!

This only happened with /CL because it's physically settled, and all the traders were trying to exit without taking delivery. This didn't happen with /BZ, which is cash settled. This also wouldn't happen with /MCL because it's also cash settled, but I don't think /MCL existed as tradable contracts back then.

Biggest short position on S&P E-Mini Futures since 2011, link below. More short than October lows, more short than COVID lows. If you're asking yourself why this market doesn't decline, it has nothing to do with bulls buying the dip.

Instead it has to do with bears being extremely pessimistic and apocalyptically positioned that causes massive shrt squeezes every week.

Positioning is so light, so few are long, so many are short, that causes very muted declines.

https://twitter.com/SethCL/status/1647220334142144513/photo/2

https://api.wsj.net/api/kaavio/charts/big.chart?nosettings=1&symb=cl&uf=0&type=4&size=4&sid=1284&style=320&freq=1&entitlementtoken=0c33378313484ba9b46b8e24ded87dd6&time=7&rand=823233712&compidx=aaaaa%3a0&ma=0&maval=9&lf=1&lf2=0&lf3=0&height=635&width=1045&mocktick=1

/CL is light sweet crude

/GC is gold metals

A '$' depicts ticker for equities trading.

A '/' depicts ticker for futures trading

Commodity futures. /CL is crude oil, /GC is gold.

"CL is Colgate"

Holy F.

How did you manage when /CL went negative in 2020?

/CL = West Texas Intermediate futures contract /GC = Gold futures contract

What is CL and GC in this context? To me, CL is Colgate, which is unlikely to be what is intended.

$30k account trading CL and GC? Lmao.

Hey, you've already gotten some excellent advice in here, I just want to add one little tidbit that should help with cleanup.

Learned about it because I have a microbe lab, and this product is an absolute godsend for keeping everything contamination free.

Buy some chlorine dioxide (ClO2) and use it as a sanitizing gas. Calculate the complete air volume of the house, and use 1 gallon of 2% Oxine (a brand of ClO2) per 3,000ft³. Since it's used as a gas, it will sanitize every nook and cranny that touches air.

You will want to leave the structure doors and windows closed for 24 hours, so use the gas after everything is dried, and you've removed the carpet/drywall. You're essentially using it to sanitize the framing.

Pour each gallon into a bucket, drop a quarter cup of citric acid on top, and use the smallest fishtank air pump you can find to bubble the chlorine out. It's more soluble in air than water, so moving air through the solution will cause the ClO2 to evaporate pretty quickly.

If you have to use multiple gallons/buckets, move them into different "zones" that are spaced out as far as possible. Like opposite corners on each floor.

Good luck.

Why don’t you run outside for free? Look for free weights on CL or marketplace. You cannot afford a gym membership

From what I can tell it's possible to escape the bucket, but it takes a long time. C1 was my second credit card which I got in college (Quicksilver for the 0% foreign fee when I was going to study abroad for a few months). I reported something like $12k income from my on-campus job and received a ~$2000 CL. Over the years in school it crept up to around $3500 but I stopped getting automatic increases at some point. Classic bucketing behavior as you describe.

About a year ago (card has been open for 7 years now) I got an automatic increase to $6500 on it. Seems possible that either the card or my C1 profile got recategorized and triggered the higher limit. I have other more recent cards with C1 with much higher limits that I applied to with higher income.

First, I’m sorry for your situation. That sounds very stressful.

Are you in school? If so, talk to your guidance counselor. They might be able to connect you to some local resources that can help with housing/food expenses.

Additionally, this post was really hard to read. I don’t mean this to be a dig, but if your resume or CL read anything like this, it’ll make the search process harder. I’d recommend looking up some templates to strengthen your applications. Maybe watch some videos for interview tips as well.

Finally, how are you applying to places? If it’s just online, try going in person to some nearby places. This doesn’t work for big companies usually, but for smaller towns, this could help broaden your search.

I'm not concerned what retail does tbh. They're irrelevant to the broader market. They're good contrarian signals though, and right now they're actually short. But only cuz they're stupid, but not because their money moves markets except for illiquid shitcos like BoBBY

I care more about when hedgefunds and CTAs are max long and have piled in.

When CTA and hedgefunds max long, I'm max short. Right now, hedge funds are more max short than they were even last year. Most max short since 2011.

Ironically, not that it matters, but retail data showed big selling into this rally last week. Positioning is extremely light. The pain trade is up. The notion that everyone has piled in is fake. Positioning is very light. This has been a short covering rally, but it has not been chased yet, so I'm not overly concerned because it is just not true that everyone is longed.

https://twitter.com/SethCL/status/1646121061262540800

Could try running a notice in the local newspaper and CL personal section of their classified ads. Say you're searching for the attorney that wrote your father's will then provide his name, address, telephone number and age upon death. They scan the personals daily since those often produce clients. They'll enter the information into their computer to see if his name comes up since most don't mind probating estates. Attorneys keep a copy of wills they write in case the client loses theirs or when a different one is produced by someone else during the probate hearing.

My brother did that after telling him I had lost mine and slipped his bogus will in with my mother's records. Carried mine to a family law firm in town to show them both. Her lawyer's law firm was now closed after he was appointed to become a federal court judge with his employees that witnessed her signature now working as his court clerks. He told them there was no need to notify my brother of mom's passing since he and his family had nothing left to inherit (cleaned out her bank accounts when she lived with them). He was up in Gary, Indiana with me in Texas so had to sign some documents verifying the will. Didn't cost me a dime since he did that In the courtroom before hearing any cases. Didn't notify my brother until the probate was finalized 5 months later.

Locally? I’m sure you’d pay $26k at a Stealership any day of the week. Doesn’t take 200iq to browse around Marketplace/CL and find a cheap car

Pretty shocked how hard people here are dickriding a $17,000 vehicle loan for a 20 year old

“Google. announced that starting Tuesday it's adding more than 800 free channels to its Google TV software on the Chromecast streaming device and select TVs made by Sony, CL, Hisense and Philips.

Google's aggregation of several existing free TV services like Fox's Tubi, Paramount Global's Pluto TV and Haystack News is a move to differentiate its streaming operating interface from competitors, including Roku , Apple and Amazon . And it may help attract people to Google's platform who otherwise don't want to pay for streaming services.

The Alphabet unit said it is integrating free channels into the "Live" tab where users will see content from channels like NBC, ABC, CBS and FOX.

The service is launching in the U.S. on all Google TV devices. Eligible Android TV devices will be able to access the new TV guide and free channels later this year.”

Just as I foretold https://www.reddit.com/r/wallstreetbets/comments/12iex92/daily_discussion_thread_for_april_11_2023/jfu0cl8/?utm_source=share&utm_medium=ios_app&utm_name=iossmf&context=3

/CL at resistance. Whose got big balls to short this before CPI?

I was going to say 10G Accord, except they're not quiet. And it's surely overkill for your needs.

> A question I have is it worth it to increase budget and buy new since I plan on driving so few miles? For example if I bought a new Tesla and put 15k miles on it over the next 5 years, will that thing hold most of its value? Kind of seems like it to me.

Honestly I feel like buying nearly anything is a huge waste for you and your driving needs. You're probably better off (financially) renting and/or Uber/Lyfting.

I'd just look for a used $10-15k sedan (the ones you mentioned are all great, I tend to be biased toward Honda/Acura and Toyota/Lexus) on CL or FBM that looks clean/well cared for and has maintenance records. Someone who got a low offer on trade-in and knows they could do a little better. These sometimes command a premium but seem worth it to me in that price range.

Used cars are still crazy expensive.

/CL oil futures

I spend three months a year in the EU, mostly France and Italy. I just use my debit card at ATMs and pay whatever fees I need to. It's cheaper and easier than trudging all over exchanging currency. I also use a Visa card that has no international fees for buying things in stores. In mist places the systems are quick cl and they take Google pay. I use the apps for transportation locally as well.

No. The reserve drawdown doesn’t count in the US production numbers. Furthermore, the reserve is relatively small compared US domestic production. The US current production is about 12 million barrels per day. The entire drawdown for for all of 2021 was only about 360 million barrels (or about one months worth of current US production, which is much lower than our production capacity given the current futures price).

As for oil jumping when OPEC+ announced quota cuts, well, that is how the market works. Interestingly, nations like Saudi Arabia haven’t been producing their quota already so the actual supply hasn’t really changed much. (Which is probably why the price of /CL futures only reached the price level it was sitting at just one month ago…not exactly a huge jump)

The SPR was created in a time when the US was the largest importer of energy. Today we are one of the largest exporters of energy. The SPR is simply not as important today given the US production capacity exploding in the last 20 years. (To be clear, the US’s production capacity is higher than the actual production). First, it isn’t at a 50 year low. The SPR was at this level in 1984 which was less than 35 years ago. As for refilling the reserve, it will cost what the market dictates. Having said this, the current futures contract cost for crude hasn’t moved much outside the $70/$80 channel and the spot price is lower today than the beginning of the year. When it is lower, the US will buy. When it is higher, the US will slow down the buys. Again, the SPR is not very large compared to the US production in total.

As for Ukraine and Taiwan, the US is supporting both (and can do so). Ukraine is where the fight is today and ignoring the hot war today to “prepare” for a future hot war seems to be pretty silly. The US is capable of fighting two wars at the same time, especially when the US is actually not fighting either war at the moment. The US is just supplying old and aged out equipment to the Ukrainians to destroy the Russian offensive capability. The US Navy is the primary US force in the Pacific and if that war went hot, no matter how many M1s, M2s, M777s, MRAPs, and M142/M270s the US had, the fight would be mostly conducted by the Navy. Just remember that the US has fought in an entire world war with relatively stronger enemies and with far more than 2 fronts and emerged from that war as the world’s hegemonic power. China would be wise to remember that fact.

https://www.instagram.com/reel/CnU6_utDpCL/?igshid=YmMyMTA2M2Y=

For anyone who's curious of all the options. I can either invest into BrokerageLink (no limits or fees on that) or:

• BTC LPATH IDX 2060 M – 0.045%
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• BTC LPATH IDX RET M – 0.045%
• VANG RUS 1000 GR TR – 0.045%
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• FID CONTRA POOL CL 3 – 0.35%
• FID GR CO POOL CL 3 – 0.35%
• VAN IS S&P500 IDX TR – 0.0104%
• ARTISAN MID CAP – 0.5013%
• VANG RUS 2000 GR TR – 0.0237%
• SMID CAP VALUE ACCT – 0.2257%
• INTL VALUE ACCOUNT – 0.4441%
• INTL GROWTH ACCOUNT – 0.35%
• PIM INFL RESP MA IS – 0.88%
• PIMCO TOTAL RETURN – 0.1978%
• VANG ST BD IDX IS PL – 0.04%
• BTC SHRT-TERM INV – 0.04%
• PIM ALL A ALL AUTH I – 1.6%

Does IVR work well for Future Options? Because for FOPs I have seen some instruments like CL have IV ranging from 0.1 to 100000. With such a wide range the IVR is always 0.

I am thinking about using IVP instead of IVR for the above reason.

Yes the data from IBKR for future Options is really weird. For example for /CL I often find IV ranging from 0.1 to 100000. With such a huge band most of the time IVR for CL is 0.

I am thinking of using IVP as a better indicator compared to IVR because of the following reasons.

Brother I got two units sitting in my shed right now. Plenty of folks like me will sell theirs ASAP if you post a feeler on FB marketplace or CL.

WRONG. I went long CL futures mini contract with just 3 over the weekend and thats when Oil went from about $40 to -$4 or something like that. No stop loss would have been useful then. I am not saying you cant win trading but the majority of people have no business trading, I should have taken this advice long time ago instead of thinking I was smarter than the market cause I started off with a good head start and a profit of about $10K in my first few months.

Promo for SOFI here

If you love buying used things of FB marketplace or CL, cash is king. I keep $1.5k on hand because I always find deals outside of bank business hours and my ATM is quite far away.

>Looking over my Vanguard account today, I noticed $823.15 in a Vanguard Federal Money Market Fund (Settlement fund). I only use Vanguard for my Roth IRA, which currently has $39,490.60 in a VFFVX VANGUARD TARGET RETIREMENT 2055 INVESTOR CL.

This means that the $823.15 is in your Roth IRA. It must have come from VFFVX distributions. Go to profile and settings, holding level dividend and capital gain, and make sure this VFFVX reinvests both dividend and capital gain. You can spend all of $823.15 to buy VFFVX.

small business owner here with about 10 amex charge cards

this is going to be a hard no.

EIN and SS will be needed to open a card. CL doesn't get reported on SS but debt will in the event business collapse and debt is not paid.

what the business owner should have done is provide employee card, case closed

https://www.bing.com/images/search?view=detailV2&ccid=wVfG5dqg&id=BECBFCC0D85DCEA982D15CEF387E4079BF136042&thid=OIP.wVfG5dqgT3ldlGWQTaN1HQHaEK&mediaurl=https%3A%2F%2Fblogger.googleusercontent.com%2Fimg%2Fb%2FR29vZ2xl%2FAVvXsEizvPDDb-3aiZpgVyjd7EBo9qClMkcYiFfzJNttr57HP08MvNk0e1lZbcxi658LJ354LgGpg31pYpTrFgd41ZqBrcclWTjBhXv-4lhe9qPSu9ZHJt4ejCE4d_B7arhvU5tWlcag-Wi0OjhXB0Rahv0pITvpK_YgMPXITF9jdu1cTm-cGBkNuNcu3sy3yA%2Fs1920%2Fvlcsnap-2022-04-03-11h58m56s753.jpg&cdnurl=https%3A%2F%2Fth.bing.com%2Fth%2Fid%2FR.c157c6e5daa04f795d9465904da3751d%3Frik%3DQmATv3lAfjjvXA%26pid%3DImgRaw%26r%3D0&exph=1080&expw=1920&q=Volodymyr+Zelenskyy+naked&simid=607999956040626732&form=IRPRST&ck=D4CB3CD9A9DA45D152E8029E936806FA&selectedindex=7&ajaxhist=0&ajaxserp=0&vt=0&sim=11

Consumer staples are rising as I type this. Feels like there is a big shift happening. CL, COST, WMT, UL, TSN, GIS, JNJ all rising quickly. This is what I would expect if people felt a recession was imminent.

Thanks for the paper. This paper shows that both Apple M1s outperformed the NVIDIA V100/A100 in most benchmarks. I don't know enough about the deltas between the OpenCL vs CUDA tests. Can you explain?

Other than potentially being on the hook for physical delivery - it's absolutely vital to know the specs of the futures contracts you are trading (or its derivatives).

For example, First Notice in /CL happens several days before the actual contact expires. Not knowing can be devastating (or at least seriously inconvenient and expensive for the trader).

1. Get a 0 interest loan (subsidized university loan, PayPal credit card, American express payment plan, personal loan)

2. Work more:

• Amazon flex,
• food delivery,
• Craigslist moving job opportunities,
• learn how to change oil and brake pads on YouTube and charge people you know,
• upcycle and resell furniture (free on CL and offerup),
• tutor (post an ad, call local k-12 schools),
• apply as a remote test proctor,
• donate blood/hair.

3. Reduce expenses:

• Buy on sale food
• Use coupons (in app coupons make it that you don't have to present coupons to cashier, they're automatically applied),
• Kroger/frys/Harris teeter partner with gas stations to reduce gas cost when you shop at their stores,
• Do intermittent fasting (it's healthy),
• Cut unused subscriptions.
• cut unnecessary drive time.
• look for a better car insurance quote
• consider less therapy sessions

4. Save $1000 emergency fund (Dave Ramsey baby step #1)

5. Pay the smallest debt first (Dave Ramsey baby step #2)

Bonus: Sell anything that you don't need.

4:37p ET 4/3/2023 - MarketWatch AMC Entertainment Holdings Inc. Cl A Stock Outperforms Competitors On Strong Trading Day Mentioned: AMC

LOL

So does that mean I could go long a /CL futures contract that's sub-80 for a guaranteed profit? 🤔 (Sorry I'm an oil noob. )

/cl or /mcl. Both products have options chains.

Oh they’re talking their book. Buy CL it’s gonna run a couple of days before JPM rug pulls everyone and dumps.

Prices have popped a lot since I last looked a week ago, but there are still prices under $70: https://futures.tradingcharts.com/marketquotes/CL.html

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>At any rate, the two issues are that federal agencies really should need to do RFPs to spend billions of taxpayer dollars. Also, they need to buy at least 200 million barrels. You can’t buy that kind of size on the market without inflicting some pain.

Do you really want some gov’t employee clicking on ice or nymex? I don’t.

Sigh. Obviously, I want them to use their big boy pants when they buy futures, and not splash the market with huge orders. The point is that the curve is backwardated, so they can buy prices in the future for much less than spot, and the administration doesn't seem to be aware of this.

/cl broke out of falling wedge it's headed back to 120 eventually

Sitting here trading cl and this made me crack up thinking about all the guys posting there puts here last week. May the inflation dragon drive the market down for you !

Congrats if you have /CL calls

Imagine being long /CL

Not sure if I've cream ship is an inexpensive start up. Just saw a used shake machine on CL for $8k.

ClOWN SHOW !!!

Save your credit, make the minimum payment.

In addition I know it is a stressful time and you may feel drained but look for ways to make some side income. Push comes to shove start posting some of your things for sale on CL and Marketplace.

Moving forward now you see why minimizing your economic footprint and having emergency funds is crucial. Fix that ASAP.

Grabbed 5 CL 75p @ $0.99

I will be messaging you in 2 years on 2025-03-30 22:34:04 UTC to remind you of this link

CLICK THIS LINK to send a PM to also be reminded and to reduce spam.

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Is it still a hard pull if you get a CL increase this way?

Really depends on what cards and how much credit you already have. If its a premium card with a $20k CL and you are only putting $500 a month on the card, the bank won't increase your limits because you aren't swiping their cards enough to be massively profitable for them. OP has way too high utilization for the bank to extend more credit

Appreciate the intense technical. I am on RSI, and vwap sideways for buys/sells. LOL. I align to the same places...but never count on them.

I wait.

good time for paper trade, it is a bit unpredictable.

I was playing with CL, forgot I had a 2.39 paper call. two days later I check and it is doubled.

just crazy.

I'll stay playing with ES. Crazy enough.

ES, YM, NQ, CL are all flat…what futures are you looking at??

Teacher: it's time to come inside class

Kid named cl:

What is the name for the compound Cl2O7

So after reviewing the comments and your responses...

1. This sounds sketchy AF. Did you propose a year up front? Zillow and CL have rental scams all the time. Usually for application fees but people are taken for a ride for 1st month/last month and the security deposits. DON'T DO IT.

2. I'd suggest what was said by another to either rent a hotel room month to month OR look for a sublease into house where others are already on the lease. We did this before. No credit check required. And while you'll have roommates it will be temporary while you get your life stabilized and can get a job.
   Take half or a quarter and move into a money market account or HYSA ~4% and the rest in CD ladders that will prevent you from blowing it. Keep your expenses low as you'll chew right through 30k in no time and have no additional income.
   Lifestyle creep happens fast and silently.

3. But definitely get a job even part time! Be a barista or a server at a bar. Something reasonably low commitment and stress. Having something to do will add a motivation and pressure that will positively impact other areas of your life.

Best of luck mate!

Is that the point where we can all get free money from the government, maybe stimulus? Maybe PPP 3.0?

because it will be different this time

https://preview.redd.it/a9v83cl80dqa1.jpeg?width=360&format=pjpg&auto=webp&v=enabled&s=70f5dc42613eab4856262e707e615fdb5916ec44

If you’re having to list in multiple places, its very likely you’re asking much more than your local market can bear.

I’ve used Zillow exclusively for years. CL before that.

I’ve traded some wheat /zw and the corn and soybeans, really the lowest liquidity i can deal with is /cl but usually just /nq and /es

Exactly. There was a 2015 Tesla MS that was on CL for over a year. Owner got greedy and asked for $58k when there was about 10 mos warranty left. He finally sold it for $35k after the warranty expired.

You can't get rid of these things fast enough. People don't want to own a ticking time bomb.

Was asking on the general consensus- not necessarily Individual advice- but for what it's worth: Mostly domestic, need to mix it up more

CHD CAT WM CL WHR KHC SMG MSFT T

SONY KMTUY CMPS

O VOO

S&P 500-0.75%

Log OffMarch 24, 2023 11:18 AM ETOptionsUpgrade Options Level

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ROBINHOOD MKTS INC COM CL A (HOOD: NSDQ)

8.60 +0.03 (+0.35%)Bid: 8.59Ask: 8.6Vol: 1,699,010

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15-Minute Delayed Equity Quote: March 24, 2023 11:03:10 AM EDT

Symbol

HOODChainStrikes7Near8.6

Mar 24 '23wMar 31 '23wApr 6 '23wApr 14 '23wApr 21 '23All Months

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CALLSMAR 24 '23PUTSTradeQuoteOpenInterestVolumeNet ChangeLastBidAskStrikePriceBidAskLastNet ChangeVolumeOpenInterestQuoteTradeTradeDetails16300.001.641.551.617.000.000.010.010.000202DetailsTradeTradeDetails6400.001.351.041.137.500.000.010.010.000341DetailsTradeTradeDetails794-0.050.590.550.618.000.000.010.020.001901,124DetailsTradeTradeDetails43233-0.030.150.130.158.500.050.060.06-0.055991,641DetailsTradeTradeDetails4,7111,093-0.020.010.010.029.000.400.440.470.021023,877DetailsTradeTradeDetails5,8244390.000.010.000.019.500.900.940.92-0.03551,036DetailsTradeTradeDetails11,425580.000.010.000.0110.001.391.431.40-0.052202DetailsTrade15-Minute Delayed Option Quote: March 24, 2023 10:54:06 AM ET1

>Any downside to allocating 100% into VFIAX

the downside is that VFAIX is dominated by larger American companies.

but there are periods international companies or smaller US companies will give you the best return on investment. in the 1970s and about 2000-2012, the S&P 500 was nearly flat for the entire period, but international and US stocks performed a lot better. the same thing will happen again eventually. reddit leans very young and many users haven't experienced periods like this when the S&P 500 is disappointing for several years in a row.

the life path plan is probably the best option, because if you look here under 'holdings' https://www.blackrock.com/us/individual/products/227858/blackrock-lifepath-index-2055-portfolioinst-cl-fund

you'll see it has 57% in a Russell 1000 fund, which is US large and mid-size company stocks; 35% international stocks; 4% global real estate; 1% in US smaller companies and a tiny bit in bonds. much more diversified than the S&P 500.

Expept gold itself is meaningless while there is also a finite amount on earth makeing it an incontinent curency

If you dont get it I would highly recommend this series https://youtube.com/playlist?list=PLhyKYa0YJ_5CL-krstYn532QY1Ayo27s1

But CUDA is designed specifically to run on nvidia hardware. Of course it’ll be faster on nvidia hardware. The competition’s GPUs are designed around OpenCL.

Almost. https://history-computer.com/opencl-vs-cuda/#:~:text=OpenCL%20is%20a%20heterogeneous%20programming,run%20computations%20on%20NVIDIA's%20GPUs.

OpenCl was created by Apple and doesn't support Fortan or Pyton.

Also Cuda is 30% faster. https://www.run.ai/guides/nvidia-cuda-basics-and-best-practices/cuda-vs-opencl#:~:text=A%20study%20that%20directly%20compared,few%20libraries%20and%20tutorials%20available.

It is a competitive advantage when speed and efficient are important like server centers where electricity/cooling gets really expensive.

Saying NVDA has a lead because of CUDA is like saying Apple has a lead because of lightning cables. But there’s USB-C, and for CUDA there is OpenCL.

Keep good records. According to the Texas CL laws you must.

Labeling and Record Keeping For each batch of pickled fruit or vegetables, fermented vegetable products, or plant-based acidified canned goods, a cottage food producer must:

1. Label the batch with a unique number; and

2. For a period of at least 12 months, keep a record that includes:

the batch number; the recipe used by the producer; the source of the recipe or testing results, as applicable; and the date the batch was prepared

> Can you even get the oil yourself for cheaper?

$41 at Advance Auto for top-tier synthetic 5W-30