My portfolio was down half during that morning dump, was going to take a loss but held, sold at the top for a profit. Patience is key 🔑

NVDA is overvalued as it stands, but people are banking on AI being a key component of their business IN THE FUTURE. What else is in the future? Chinese invasion of Taiwan? Recession? Stagflation? It blows my mind

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interesting, thanks for the information

My understanding is multiple beneficiaries can ensure the decedent's final RMD is completed by taking the required distribution in any ratio they wish.

So it sounds like you are in communication regarding the logistics of that key element.

After that, I agree... to each their own on completing their respective RMDs and emptying their own account completely at the end of the 10-year period (which starts the year after the year of death).

https://greenleaftrust.com/missives/the-year-of-death-rmd-some-helpful-irs-leniency

4. Multiple Beneficiaries: If multiple beneficiaries are named as designated beneficiaries of the decedent’s IRA, the IRS does not care who among the beneficiaries will take and report the decedent’s final RMD amount. That amount just needs to be taken by someone as part of their taxable income for the year.

If there are multiple designated beneficiaries of the inherited IRA, they may elect to divide the year-of-death final RMD equally, or one designated beneficiary may choose to take a lump sum payout that can satisfy the decedent’s final RMD entire obligation if the lump sum distribution is large enough.

I did say a combination of all 3 was the key 🔑

Not necessarily. I’m roughly your age with roughly your net worth. I’ve gone through periods of highs and lows, but the key is to have a life outside of work and fire. Or really to have a life outside of a single thing. If you put all of your life satisfaction eggs in one basket, you’ll be disappointed when things don’t work out.

I think the key word in that quote is “unchecked”.

• A financial modelling tool thats made for product managers (ie not accountants). So takes basic financial info like CPA/Opex/ARPU and combines with acquisition and retention assumptions helping the user to figure out the bounds within which their product is financially viable.
• An ultra sarcastic LLM wrapper that learns your negative/contradictory behaviour and ridicules you when needed during regular operation. You can do it by passing normal user convos through a second prompt that isolates key personal info appending it to the sarcasm prompt thats triggered to butt in with a sarcastic comment where relevant.

Not great raw data, but the story was national news. In the 9 years since the buy-out was completed they've had a number of executive changes. Many of their key metrics are weakening, and they've had problems notably with a franchisee association that termed itself the "Rebel Alliance". When 3G came in, Schwartz was made CEO and there were a number of critical marketing and PR blunders. They also effectively destroyed the office culture. As per the Globe and Mail:

​

> In the weeks before the deal closed, dozens of vice-presidents, directors and other senior staff were called in, one by one, to meet with Daniel Schwartz, then the 34-year-old CEO of Burger King who would lead the soon-to-be merged company, Restaurant Brands International Inc. In the room with him was Alexandre Behring, one of 3G's founding partners and RBI's soon-to-be executive chairman.

Each employee had just 15 minutes to justify their corporate existence, although Schwartz at times seemed distracted. Some of the meetings lasted as little as five minutes before the employee was politely invited to leave the room.

Some of them took buyouts. But once the merger was officially sealed on Dec. 12, other, more senior, managers began to disappear.

Then, early on Jan. 27, 2015, RBI executives gathered in a second-floor boardroom dubbed the "command centre." On a large screen was a detailed schedule that showed—in 20-minute increments—when hundreds of Tim Hortons employees were due to be fired.

The company couldn't recruit for their MBA pipeline programs as no one wanted to join; franchisees were railing against RBI and the company was struggling. The whole thing was bungled. Macleans did a good write-up of the situation.

For a puff piece about RBI there's this article that takes no accountability. In short, Tim's:

​

1. Off-loaded costs onto the Franchisees
2. Damaged their financial position where they earn less than before
3. Alienated most of the country
4. Make dreadful coffee.

I'm waiting for a good HBR business case written about this.

I tried a similar strategy with a colleague's portfolio.

Whenever they bought something, I kept a close eye on it, checking if the basic key ratios were okay - like positive P/E ratio and low debt, you know, the boring stuff.

And when my colleague sold their stocks, I swooped in to buy them, gradually investing more and more depending on how long they held it. Let me tell you, the returns were insane.

Sadly he sold all his stocks and switched to a nonpublic portfolio after he had -40% his first year when the market was way up.

Bought puts on KEY, ZION, WAL, LNC.

Time horizon is key

>One of the Fed’s five key functions is to promote consumer protection & community development. Learn more about our role: youtube.com/watch?v=YSJ7aR… federalreserve.gov/aboutthefed/th… (2/2)

^Federal ^Reserve ^@federalreserve ^at ^2023-05-01 ^11:07:13 ^EDT-0400

I invented the piano key necktie, I invented it! What have you done? You've done nothing! NOTHIIIING! And I will be a monkey's uncle if I let you ruin this for me, because if you can't get the job done, then I will!

Everything this dude said. I failed and failed before I was ever successful. Sure, there are a handful of people who found quick success, but that is not the norm.

Most entrepreneurs fail dozens of times before they actually find some thing that works.

#Persistence is key

Above 417 is the key for bulls

Stagflation indictor...not saying it'll happen but it seems clear that things are slowing while prices are still rising.

https://finance.yahoo.com/news/us-factory-activity-contracts-sixth-142309017.html

The Institute for Supply Management’s gauge of factory activity rose to 47.1 from an almost three-year low of 46.3 a month earlier, according to data released Monday. A reading below 50 indicates shrinking activity.

A measure of prices paid for materials rebounded to the highest level since July. The increase coincided with a pickup in crude oil prices early in the month, though they have recently cooled on concerns about demand.

The step-up in input prices comes on the heels of data last week that showed the Federal Reserve’s key inflation gauges rose at a brisk pace in March. Central bankers are expected to raise interest rates by 25 basis points this week.

>I can assure you that there are plenty of regulators available to make sure we’re complying

I'm just basing my claim on the FDIC themselves pointing to lack of staff as one of the reasons for SVB failure. With the thousands of midsize banks in the country vs the handful of big banks, we better make sure the FDIC is staffed enough to handle the additional regulatory workload before we pass any tougher regulations for smaller banks.

https://www.reuters.com/business/finance/supervisory-staff-shortages-come-into-focus-fed-fdic-reviews-failed-banks-2023-04-28/

>Among the key findings revealed on Friday in the Federal Reserve and Federal Deposit Insurance Corp assessments of the causes of last month's two huge U.S. bank failures, one major oversight deficiency stood out: Neither has enough bodies for the job.

Staffing shortages strained supervisory resources, particularly at the FDIC's New York regional office, in the years leading up to the collapse of Silicon Valley Bank and Signature Bank in March, both regulators said.

The difficulty in filling roles was in sharp contrast to the swelling growth of bank deposits in the financial system, spurred in part by COVID-19-related relief and low interest rates.

I don’t think you/your mom have a correct understanding of the purpose of FAFSA. Applying to FAFSA does not obligate you, or your mother, to loans. It’s a tool used to establish financial need and is a key tool in determining a schools aid. Furthermore, many scholarships require the FAFSA to be filled.

The key word in their comment: more

Linked paper^1 may be related to economics given “fiscal implications for local governments.”^2

Abstract:

>The covid-19 pandemic induced a major shift in the prevalence of remote and hybrid work arrangements.

>This article reviews the effects of this remote work revolution for residential and commercial real estate values and for the future of cities.

>It also discusses consequences for productivity, innovation, local public finance, and the climate, as well as potential policy responses.

29-31:

>4.3 Implications for Investors

>Public Equity Equity investors in office REITs have seen stock prices plummet. Figure 15 plots the market capitalization weighted cumulative stock return from December 31, 2019 until Septem- ber 30, 2022 for three NYC-centric office REITS: Vornado, SL Green, and Empire State Realty Trust.

>Private Equity But most of the office stock is not publicly listed. There has been little trade in office buildings over the past three years. The bid-ask spread is wide: the prices at which buyers are willing to buy office are much lower than the prices at which owners are willing to sell.

>Debt Commercial real estate debt is broadly held, by banks, insurance companies, private debt funds, and securitization (CMBS) vehicles. Given typical mortgage leverage ratios of 55-65%, sometimes accompanied by additional junior debt, it is not inconceivable that even debt holders may lose some of their investments if and when office assets lose 30-40% or more of their value.

>4.4 Fiscal Implications For Local Governments

>Property tax revenues are a key source of revenue for municipalities accounting for between 20 and 40% of state and local tax revenue collections in nearly all states (U.S. Census and Tax Foundation).

>These tax implications will unfold gradually because of the gradual erosion of office real estate values and because the tax rate adjustment often follow market value changes with a lag.

>Property tax collections in NYC are expected to decline by 5.4% or $1.7 billion in fiscal year 2022, more than half of which is due to drops in billable values in the office sector.

^1 The Remote Work Revolution: Impact on Real Estate Values and the Urban Environment. Stijn Van Nieuwerburgh. NBER Working Paper No. 30662 (November 2022).

^2 Liz Kreutz (28 Apr. 2023), “Lowering downtown SF real estate values could have 'profound impacts' on city budget, official says”, ABC/Disney, https://abc7news.com/downtown-san-francisco-offices-sf-commercial-real-estate-empty-office-lease/13191172/. See https://www.reddit.com/r/Economics/comments/133zoqg/lowering_downtown_sf_real_estate_values_could/

> It hasn’t in the cybersecurity space.

Where you clearly don’t work, because you fucked up every single point

> Like ATM PIN numbers.

Yeah no, quantum computing won’t break pin numbers, it breaks factorization algorithms. What breaks is the ability of the ATM machine to establish a secure connection to the bank. The pin is not your key, your credit card is.

> We’re dealing with governments storing terabytes of encrypted data for information which will be valuable 10 years from now when they expect to have the tech to beat encryption.

This is also quite exaggerated. So far we know there’s a way to beat RSA, the encryption used to start a secure connection, but there’s no quantum algorithm to break AES256 (that has been the standard for decades at this point).

A lot of experts consider AES256 to be quantum-safe anyway, but support for other “quantum-resistant” encryption has existed for a long time already.

It’s also quite a stretch to claim we’ll have functional quantum computing in 10 years, since those predictions rely on exponential growth (by analogy to classical computing), while quantum computing has shown no indication of exponential scaling.

>gets sold to private equity groups? What kind of changes are expected?

Tim Horton's.

There was an extreme cost-cutting measure; Tim's changed coffee suppliers (losing it to McDonald's) and changed their value chain, so donuts were no longer an in-house product (an attempt to mirror Dunkin Donuts). They introduced menu items to varying degrees of failure. The big change was in the franchise model.

You had franchisees who had 1-2 franchises, often using proceeds to support local activities. Tim Horton's changed that and have pushed for a new franchise model with minimum ownership, larger capital reserves, and multiple locations. It's to cut-down on recalcitrant franchisees and expedite changes. It's really eliminated the Tim's brand as being commonly associated with the local community. Quality has declined, and they've been pushing further into very murky territory in their use of Canada's temporary foreign worker program.

On the whole, I don't oppose PE buyouts but they often only understand key financial metrics and really lack a credible understanding of the marketplace. As a result, Canadians are turning on Tim's. I haven't had a cup of coffee from there in more than a year despite there being approximately 80,000 of them in a 5 block radius.

My guess is they would change the franchise model for Subway; they would enact a strict cost-cutting measure and introduce menu items that wind-up cut only a few months later.

Take a look at the 4 hour for context. We are at a key point right now

The key aspect of it is resonance - in order to build healthy and trustful relationships you have to be on the same wavelength as your client.

If you're scratching the surface on many niches at once, it will work but the outcome will be mediocre (trust me I've tried).

There's so many Social Media Services out there, it would just be logical for the client to pick the one mastering HIS language. Knowing HIS EXACT pain points.

And speaking of a world including his desires. That's just a way better fit and the only real way to do decent business in a demand orientated market.

Try experimenting with different types of content and posting at different times to see what resonates with your audience. Utilize Instagram Stories and interact with your followers through polls, questions, and other interactive features to increase engagement. Consider running a contest or giveaway to incentivize engagement. And most importantly, focus on creating quality content that provides value to your followers rather than solely trying to drive engagement metrics.

Don't feel like u are failing at ur job. Things like these take time. I've seen some business that experience hypergrowth by creativity and designs. Quality content is key

I picked January to leave my job. Probably one of the worst things I've ever done in terms of timing but I did save up like a year's worth of wages before doing this because I knew I had to gtfo and the economy was gonna shut hard.

While being out I've really learned how to save money. The key is just make everything yourself. I haven't gotten down to baking bread yet but I do want to try. My fiance and I used to get take out like 3-4 times a week because I was never home to cook. Now we get it like once a week.

They're definitely raising rates 0.25%. That's a given. We're also going to see the collapse of the smaller banks as the rates go up. This is quite literally survival of the fittest, right now.

Get the match. Make a basic budget of what you pay every month. Bills, car payment, mortgage. How much do you have left? For food and other stuff give yourself a weekly cash allowance. Cash, not credit. Stop using the credit card, pay it off quickly. Get used to carrying cash, spending cash.

While you're doing this, take 200 or so a month (you choose), it goes into an investment account. Every month, make this a habit. You're creating a safety net, investments for life. Do not plan on touching this money. You can start a Roth IRA, buy stock, mutual funds, whatever. The key is to get into the habit of saving. You may want a secondary savings account that is for a purpose, it can be small but monthly contributions are key. But your focus should be paying down that credit card debt, not adding to it, and developing good habits.

Paying with cash teaches you to slow down your spending. Credit cards don't feel like actual money does. Once you

>It's no surprise that Deep fucking value was a key player in the Wall Street Bets success. They have been able to tap into a niche market and provide immense value to their community. I believe that $DFV will continue to follow in the footsteps of $WSB and become an even bigger force in the industry.

I did accounting for work awhile back for some franchisees and generally, yes, they were profitable. However, the play with Subway is not high profit stores like Chick-fil-A, instead it's profit per stores meaning volume is key.

This source says an average store will make around $40k in profit which is decent but certainly not enough for owner to draw a salary. So, you'd need multiple stores to be able to generate the cash flow required to pay yourself as owner, purchase new equipment, and pay for any back-end expenses required for the running of the holding company i.e. tax prep, legal fees, etc.

Most franchisees of Subway run many Subways, there aren't many single store franchisees like there are with Chick-fil-A or others.

Only until the FRC bonds fully mature, though.

That’s a pretty key distinction. FRC wasn’t truly “in debt” - they just had all of their money tied up in long term securities because apparently they missed the approximately 10,000 warnings about rate hikes and a recession.

We can suggest several alternative platforms available that you can use to sell your digital products, including planners and site templates etc. Some of these platforms may offer unique features and benefits that differ from Etsy, so it's worth considering what you're looking for in a platform before making a decision.

One option is to use a platform like entrbox, which specialises in allowing digital creators to sell digital products such as guides, templates, checklists and more. Another option is Gumroad, which offers a simple and customisable platform for selling digital products such as ebooks, software, and videos.

Another popular platform is Shopify, which is primarily designed for selling physical products but also offers a variety of tools and integrations for selling digital products. With Shopify, you can create your own online store and sell your digital products alongside physical products if desired.

Ultimately, the key to finding the right platform for selling your digital products is to research and compare the various options available, and to consider factors such as pricing, ease of use, and the features and tools offered. By choosing the right platform for your needs, you can maximize your sales potential and grow your business.

I’m assuming small business especially small restaurant like that doesn’t succeed in the first 2 years. I’m not in the restaurant industry, but I have heard how hard to operate a restaurant, I mean the restaurant is such a highly competitive industry. How do you survive among the other competitors, the food must be really good and great customer service combined must be the key

>A suburb is really just a small city attached to a much larger city. I would argue that remote work allows for these smaller cities to stretch much further from the dense urban core

This right here is the key. People won't go into the old core where it costs more, and has more crime. Even if you solved the crime problem it still simply costs more for everything. They'll move the high class dining, sports events, and everything else into the new stretched out city instead. Some exurbs are as populous as small cities, and they'll only get bigger.

#Ban Bet Lost

/u/PregnantPickle_ made a bet that KEY would go to 16.0 within 4 weeks when it was 12.48 and it did not, so they were banned for a week.

Their record is now 11 wins and 12 losses

I know of several apps and websites that allow you to view data from all your marketing channels in one place.

Here are a few options:

Google Analytics: This free tool allows you to track website traffic and other key metrics from multiple channels, including social media, email, and paid ads.

HubSpot: HubSpot's marketing platform includes a dashboard that displays data from all your marketing channels, including social media, email, and website analytics.

Cyfe: Cyfe is a business dashboard app that allows you to create custom dashboards to track data from multiple sources, including social media, advertising, and sales.

Databox: Databox is a business analytics platform that integrates with multiple marketing channels, including Google Analytics, Facebook, Instagram, and more, to provide real-time data and insights.

I hope this can help you!

KeyCorp Bank(KEY) next domino to fall

I actually tried it but the low key structure makes it quite hard to get the exact tables where transactions lay down. I think it’s quicker to jsut download the csv file from the start

Key bank closed 2 branches near me. Seemed sudden. Not sure what the deal was. My great aunt pulled out all of her money and divided it up among 4 banks. She's well under FDIC but due to her age she is scarred from watching her parents lose their deposits

>(great reminder why we all need to have that very difficult conversation with our parents about how things happen at end of life).

But, what does this conversation entail? What are the key topics to discuss? What ensures that the transition will be smooth and without any hiccups?

One way to get started is by selling on Amazon. To do this:

1. Create an Amazon Seller Account: Before you can start selling on Amazon, you need to create an Amazon Seller Account. This account will allow you to list your products and manage your listings. You can sign up for an Amazon Seller Account at Amazon.com/Selling.

2. Choose Your Product Categories: Amazon has a wide variety of product categories from which to choose. You’ll need to decide which category best suits your product. Consider the level of demand for the product as well as the competition, and what you can offer that makes your product unique.

3. Prepare Your Listings: Once you’ve chosen your product categories, you can start creating your listings. You’ll need to include a detailed description, images, title, and pricing information for each item. Make sure to optimize your listings for keywords to increase visibility.

4. Set Your Price: Pricing is key when it comes to selling on Amazon. You’ll need to set a competitive price for your item that will attract customers, but also ensure that you can make a profit.

5. Promote Your Listing: Once you’ve created your listing, you’ll need to promote it. You can use Amazon’s sponsored products to help you promote your listing effectively.

Of course, this whole process takes a great detail of thorough research. To find out more, check out this article: https://amzscout.net/blog/how-to-become-an-amazon-fba-seller/

You can totally recover. Your low living expenses are key

1st put the 10,000 in a HYSA that is FDIC insured. If your bills are 1600 per month, you now have savings for 6 months. Perfect.

Next: Go on Vanguard and open an IRA account and a brokerage account. For the next 2 years, save $5,000 per month into the vanguard (you will max out the IRA first and then put the rest into the brokerage account). Buy shares of VTI.

After 2 years you will have approx 120,000 invested.

Next: adjust your monthly investment saving down to 2,000 per month and keep it in the same allocation. Over 35 years with a decent 7% return after inflation you will have a nest egg of around 1.7M

This will also free up the rest of your income over the 35 year period for your real estate investments.

Its a good idea to add to your cash savings over time as well.

Good luck

That’s fair bouncing off key support like 3 times now. Shorting at 295 would be the dream around the 786 fib of the current move.

I didn’t build a house. I built a building. I had no experience but many people in my area have done it, so the lender knew how much it would cost and how much the building would be worth. So I didn’t have any problems getting a loan. In fact the lender said my loan was too low for the project.

So it was a construction loan, a type of commercial loan. It only lasts 18 months. If you need more time, you request more time. No one gave me a hard time. I extended the time frame like five times. They said as long as the project was moving forward, they didn’t care. Once the house is done, they convert the loan into a conventional residential mortgage. For mine, it was a commercial loan. Everything is done seamlessly.

So the loan pays the builder. What you need cash for is to pay for permits, fees and fines. Depends on where you are. Where I am, when I sneezed, the city fined me. They fined me for anything under the sun, thousands of dollars at a time. So prepare plenty of cash for this kind of things. If it’s outside the city, you probably won’t have any problems.

If you do this, my advice is don’t trust anyone. If you want the best layout, learn the zoning codes and design it yourself. Architects work on million dollar projects. They just throw your project to an intern and stamp it here and there. So you need to be well versed to tell the intern to move things here and there. You have to prove you know what you’re talking about or they will ignore you. They love to tell you to leave it to the professionals.

When I first started, I was terrified and didn’t know what the next step was, but once it was done, I would say the whole process was simple. I scouted for a lender first, then a builder, then an architect. Once I chose my architect, I locked in the loan. The key to this is the builder. If you have one you can trust and one would finish the project for you, then everything else is easy.

Keycorp(KEY)

A face ripping $ rally is the last key needed for equities repricing

That would be bad for me….but in all seriousness key is fine.

Random.

• Find out when your clients are actually going to pay. Your invoice terms may not matter to them.
• Have no-compete agreements with employees where possible. Especially if you make no effort to retain key talent.
• Make an effort to retain key talent.
• Make a priority of keeping licenses, insurance, ext, up to date. If in doubt, look into it immediately.
• Before taking a risk, look at the stakes before you consider the odds.
• Return favors.
• If you are unethical, don't cry foul when someone responds in same and sets your company back four years. Especially if they warned you that's what would happen.

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

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

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

This is what I do for a living. I specialize in developing 2-10 detached single family house projects from a single lot of raw land. Send me a DM if you want to chat more about logistics.

The top comment is about the GC and subs which is a big concern, but not your biggest. Ground-up GCs usually have their own subs, so you're not dealing with them directly anyway. There is an abundance of turn-key GCs that will provide you a proposal and give you allowances for material selections to make it easy on you.

Your biggest obstacle is financing and creating a proforma and leverage strategy for lending.

Low key though they did hit me with a cancellation of debt. 5k lol.

Your not crazy. I am buying infill lots to build on myself. To me the key is low cost & hassle permitting, planning and zoning, etc. Luckily for me, no environmental plans, permits cost under $100 and issued immediately, no studies.

I have a contractor lined up that does it all. Turn key. From concrete to the roof and hooking up all utilities. Cost is less than buying old run down units.

Said it in another thread, but it’ll be Key Bank or Zions

What did you end up deciding? It is something I just started looking into as well. So many office buildings are now empty. I have seen so many in different areas. So many stores and restaurant buildings for lease. Whether in small cities or bigger ones. When i walked through San Francisco some weeks ago on a work trip it was so deserted across the key shopping areas (market street, Powell street, union square).

I haven't studied how much key REITs are down. To me it feels a bit 2008'ish where some of the early folks l like Micheal Burray then. I'm really curious about percentage of buildings empty. Interest rates and bank failures are not helping. I suspect many write-offs are not fully priced in. Not sure what others think.

>I was hoping to see this exact comment so I could ask: post 2008 or the next collapse to come, like 4-5 years after, everyone has made it back to where it was prior to said collapse, because it's the whole market basically, or not so much?

This depends a great deal on what you mean; if you were to simply look at something like a historical chart of the S&P 500, you would see that the from a peak in 2007, that by 2012 the S&P 500 had exceeded that prior peak. Of course, that would apply in the hypothetical scenario of someone having chosen to invest all of their money in the S&P precisely at the peak of the market, and then holding their investment through the crash. A more reasonable scenario of someone having invested money over time in the years leading up to the peak would have seen their investment back in the positive range considerably sooner...assuming that they held their investment through the crash.

The 2 key points here are the investment being in the S&P 500 or some other well-diversified index fund, and someone holding their investment instead of selling when the market dipped.

Still no announcement in regards to $FRC.... China opens in, according to Google, 49 mins. looks like the Government is going to take the losses and allow JPM to have another exception to the 10% rule.

>Behind the scenes, the Office of the Comptroller of the Currency is standing by to quickly vet a deal and render a verdict if the Federal Deposit Insurance Corp. deems JPMorgan’s offer attractive and seeks approval, according to people with knowledge of the matter.

https://www.bloomberg.com/news/articles/2023-04-30/if-jpmorgan-wins-first-republic-occ-is-standing-by-for-key-nod?utm_source=website&utm_medium=share&utm_campaign=copy

These are key.

Do you recommend any books, youtube videos, or courses that would make me more knowledgeable ?

Thanks for the advice.

KeyCorp(KEY)

Academia is the key for majors like this

The main difference between sales and spins is that sales involve the transfer of ownership of a security or commodity, while spins simply refer to the act of selling something. Splits are different from both sales and spins in that they involve dividing a company's stock into multiple shares. While all three terms are often used interchangeably, there are some key distinctions that investors should be aware of.

The key to building immense wealth is to invest as much as you can as early as you can. I am 42 and have spent the vast majority of my career as low man on the totem pole but because I invested well and was smart with my money I am a multi millionaire. I could have done better and wish I could go back and crush it even harder. I am still going to be out of the rat race at 54.

Why the hell do people live in these ridiculous cities then, if they’re so hopeless? There are lots of places where a even a pay cut would buy you far more life. Is everyone just deluded into thinking that the big city is where it’s at, lacking the awareness to see that it’s nothing but a soul crushing, man-eating behemoth that gives them nothing in return, and that there are other options?

I’m struggling to find sympathy for the crying masses, making 2-4x their local median income (Manhattan median personal income is $52k/yr as of 2020), and insisting the world is chewing them up and spitting them out poor and hopeless when they can just move, work fewer hours, and have more life left over.

Is it the trap of consumerism? Is it the trap of status seeking? Making one’s entire identity about career? The mistaken belief that the only life worth living is one in which a person has more than their neighbors? An inability to appreciate the simple things of life (thereby empowering one to live in a less high-key, unforgiving setting)? A misplaced sense of expectation as to what’s achievable and the importance of achieving it?

You can make adjustments to the W4 any time you'd like. Had a good quarter? Submit a W4 to have more withheld from your main job. Bad quarter? Adjust down.

The key is to sort of mock-do your taxes throughout the year. Based on your projection for full year income, divide by 26 (if paid by your main gig biweekly).

Currently have over $50k invested in roth, 401k, etf, and index funds. That amount is spread out over the various accounts. For sometime I have been using DCA approach, ie monthly, daily and bi weekly contributions but lately have been contemplating switching to a Lump sum approach ie quarterly or bi annually.

DCA works for me b/c I am typically more comfortable parting with smaller amounts on a regular basis as opposed to saving larger amounts and letting go of them all at once.

Based on my understanding, taking emotions out of investing is key, so I’m thinking I should get over that uncomfortable feeling and just attempt a new investment strategy, seeing as how a number of studies show that lump sum can often out perform DCA.

One approach you could take is to analyze the demographics and behavior of your audience to determine which segments are more likely to be marketing agencies or have similar needs. You could use tools such as Google Analytics or social media analytics to get insights into the interests, professions, and behavior of your audience.

Once you have identified the segments that are more likely to be marketing agencies, you can analyze the content on your blog that is most popular or relevant to that segment. Look for content that specifically addresses the needs and challenges of marketing agencies, such as topics related to agency management, marketing strategies, or client acquisition.

Another approach is to conduct market research and gather feedback from your current customers to understand their needs and preferences. You could send out surveys or conduct interviews with your customers to learn more about their businesses, their pain points, and the features they find most valuable in your product. This can help you tailor your content and messaging to better resonate with the needs of marketing agencies.

Finally, you could also consider creating new content specifically targeted at marketing agencies. This could include case studies, success stories, or how-to guides that demonstrate the value of your product for agencies. You could also partner with influencers or thought leaders in the marketing industry to create guest posts or webinars that cater specifically to that audience.

Overall, the key is to understand your audience and tailor your content to their specific needs and preferences. By doing so, you can create content that is more engaging, relevant, and effective at driving conversions for your enterprise pricing plan.

I'm sorry to hear about your struggles with your small business on Instagram. Here are a few suggestions that could potentially help you better market your products to your target audience:

Optimize your Instagram profile: Ensure that your Instagram profile is fully optimized with a clear and concise bio, a profile picture that reflects your brand, and a link to your online shop or email address. Use relevant hashtags and post high-quality product images to attract potential customers.

Collaborate with influencers: Reach out to influencers within your niche and see if they would be willing to feature your products on their page. Influencers with a large following could help increase your reach and exposure to potential customers.

Engage with your followers: Consistently engage with your followers by responding to their comments and messages promptly. This can help build trust and a loyal following, which could lead to more sales.

Offer discounts and promotions: Create limited-time discounts or promotional offers to incentivize potential customers to make a purchase. You could also offer a referral discount to existing customers to encourage them to refer their friends and family to your business.

Leverage other social media platforms: Consider expanding your presence on other social media platforms such as Facebook or Twitter to increase your reach and potentially attract new customers.

I hope these suggestions help you improve your marketing efforts and drive more sales to your small business. Remember, consistency is key, and it may take time to see results, but don't give up. Keep trying new strategies and analyzing your results to find what works best for your business.

Investing early is key to your long-term financial well-being. Besides your TSP Roth, you have other long-term investing options. A regular Roth IRA is one option, allowing you to contribute after-tax dollars, but your earnings grow tax-free and withdrawals in retirement are also tax-free. You can contribute up to $6,000 per year ($7,000 if you're over 50). Another option is a taxable brokerage account, which doesn't offer any tax advantages like a retirement account, but allows you to invest in a wide range of assets such as stocks, bonds, and mutual funds. It's important to have a diversified investment portfolio that includes a mix of stocks and bonds to help mitigate risk. Don't leave money on the table, take advantage of any tax benefits you can!

To anyone reading OP's post, ask yourselves this key question:

If it were actually as simple and straightforward as OP says it is for you to make buckets of money from posting a bunch of posts, comments, and links and if OP is as successful in the Reddit NSFW subreddits as OP claims to be, why would OP be willing to let you walk in and cut into their share of all the money they're raking in at the NSFW subreddits?

Ah, the answer is simple: because OP will profit much more from you using his referral link and you handing OP YOUR $25.

"There's a sucker born every minute."

https://consumer.ftc.gov/articles/multi-level-marketing-businesses-pyramid-schemes#pyramid

Go for an index fund. Index funds follow stock markets or something specific in them. This makes it easy to always know where you are. As the market goes, the fund usually goes up. When the market goes, so does the fund. The key here is don’t cash out when the market is down. It would be better to wait for the market to recover. If you must cash out when the market is still down, you’ll still make money if you cash out higher than when you bought in.

There are all kinds of funds that track all kinds of things. A fund might follow the entire NYSE or NASDAQ stock market. The US stock markets have historically averaged a 5% appreciate rate per year. In the past 10-20 years, the US markets have seen an average of 10% appreciation per year, so these entire stock market funds will do the same. A fund might follow the top companies in a market: the top 50 companies, the top 100 companies, the top 500 companies, etc. The fund that follows on of these indexes will spread your money across stock in those specific companies. If one company falls out of the list and another takes its place, the fund will sell you stock in the previous company and buy stock in the new one. The fund might follow a topic; such as technology, healthcare, pharmaceuticals, transportation, electric vehicles, petroleum, plastics, housing, real estate, fabrics, fashion, retail, entertainment, casinos, resorts, or anything or anything else. The funds that track these indexes will keep your money on stocks in the topic chosen. There are other index funds for commodities (things people need), consumer goods (things people want but don’t need), currencies (different money around the world), precious metals (gold, silver, copper, platinum, and palladium), dividends (profit sharing), bonds (guaranteed loans) and other markets. You can end find index funds that combine two or more topics/markets; i.e.: top 50 tech companies with dividends.

The only other things you need to determine is in which type of investment you want to put that fund. Some examples are retirement accounts like a 401k/403b or IRA, educations accounts like a 529, a health savings account for health care needs, and a traditional investing account you can use for any of the previous needs or some other need. For your kid, you probably want a 529 if for an investment or perhaps a fund in a trust if for her to decide what to do. You may also want to consider investing in real estate which can both appreciate as well as provide all kinds of income and enjoyment for you and your kid.

The differences in the types of investment accounts in the previous paragraph are based on how and when they’re taxed. Before investing, there are a number of considerations on taxes that you need to cover before you buy in. Those tax considerations will affect how you buy in and how you cash out of investments as well as when you invest in and when you cash out of investments. The best thing to do is to contact a tax professional such as a CPA and they can go over many of these options.

You will also want to talk to an attorney as laws vary especially when dealing with real estate and trusts. In the US, you’re aways in a combination of jurisdictions of federal, state, county, and city laws. In some states taxes and other laws that affect investments can change significantly simply by moving 20 miles.

Did you gut or buy a gutted property for your existing rental units? I've never personally done ground up development, but the people I've networked with who do this tell me a good architect and general contractor are key once you figure out financing.

My experience in rehabs seconds the GC part. If you don't have experience with at least a couple full gut rehabs of small multis, development of a multi-unit apartment building by yourself sounds like a big project to take on with a lot of things that could go wrong. If you succeed, I'm sure the upside is sweet, but you need to be really careful and maybe look to find an experienced partner with existing connections to learn from.

Also, in a lot of areas, the market seems to be trending toward higher expected cap rates for multifamily and a tough year or two for the market overall, so you'll want to be conscious of this and underwrite very conservatively.

Canadian here, laid off early Jan. I’ve had about 16 interviews total, and have made it to final round for 3 diff orgs.

Competition is fiercer and many people are willing to take pay cuts, therefore losing to people significantly more experienced than me. Networking is key rather than cold applying

I'm 37, a few days from 38 and I had the same worries. But not until I was 32 did I have a well paying career.

I'm now putting away $550 per paycheck into my 401k that is 80% allocated into VIIIX and my check is still the same as it was as when I started 6 years ago due to raises. But the difference is I sold my car and now the $515 I used to pay a month for the car goes to my savings which I eventually put into VOO . The insurance ($125) I had on the car goes to my fidelity account. Additionally I put $150 into another brokerage account with chase, and about $350 per month into my roth IRA.

Furthermore, I like to work overtime and the $1000 -2000 ADDITIONAL money in overtime pay I get I put into my fidelity brokerage account.

Basically I'm living paycheck to paycheck on purpose and putting away a shit ton of money into all these accounts because of that fear that I was late to the game. But when I see the insane accumulative growth from just this strategy I'm convinced that not only am I not late, I'm well ahead of so many people. If I want to retire by the time I'm 50 I'll have the ability to do so even if my growth is 2-4% per year.

The point of this post is that you're not late at all. What you should do though is focus on not losing the money you got coming in and if you really want to get ahead of the pack by a lot, work harder now and accelerate your potential even more.

The key is retention. Retain the money you get by cutting down on unnecessary expenses, don't eat out as much. Save, invest, save, diversify, save, cut costs, save.

I feel like your low key rich

Put her zip code here.

If she is resident and shopping in "orange or light blue," do not estimate her 2023 income at or below the Federal Poverty Level for her tax filing status even if her actual 2023 income would be closer to $0.

Why am I telling you to do this?

The manner in which the IRS treats "APTC" discount repayment obligations in locales that accepted free, Federal money to allow people enrollment in Medicaid vs. those that did not and continue to refuse.

All of this assumes she has a magic key that can open the side door to the shopping malls outside "open enrollment" which doesn't come around again until Nov.

If you're able to pay at least the monthly premiums, you'd just transfer the payment amount to her every month however you'd prefer to do that.

Your worry is *extremely* healthy. You might want to look into MVC (Minimal Viable Concept) and MVP (Minimal Viable Product), if you are unfamiliar with the terms. The key is to test whatever assumption you might have.

If you have a product idea and want to see whether it can get traction, it is actually best practice to actually *not* create the product. If you are unsure, test the concept before investing any meaningful time or money. For instance, you could create a single, simple landing page that describes the product, inviting people to subscribe to a newsletter, then measuring how many people bite. Better still - create a landing page, invite people to buy it, and return an error message after they clicked "buy". You could even do both at the same time...!

These are easy tests to help you understand whether your idea is likely to get any meaningful traction or not. And such simple tests can be done in just a few hours. If you get 10 or 20 people who show they are willing to get in touch/buy within 1 week, it would be a good indicator you are onto something and, hopefully, you would be less scared to invest your hard-earned money. If not, then you know that your idea might need some tweaking!

My mom didn’t have anything in order when she died and it was a huge PITA to go through. so I’m putting my paperwork together myself now and have a trusted individual (bff) aware of the goods inside. It’s got my master password to my password vault, life insurance police’s, all assets and their paperwork, all properties and accounts listed out, even the legacy key # for my FB account and the pre-paid cremation documents for my body (I am a donor too so if they need any parts they can have them before I’m turned back into ashes). I even left a stack of cash in there for ancillaries. I don’t want to put anyone else in the same position I was in.

Taxes Labor policies and contracts

Literal key defining factors affecting a nations GDP and credit score.

It is the Europeans culture to work less which has affected their GDP. It's not a war.. one side needs to be able to fight back. Flat GDP in the Europe except for Germany for 13 years with 0% interest says all that needs to be said.

The work ethic and culture defined the implosion occurring in Europe right now.

My example

THE GDP lol.

The key to being happy isn't a search for meaning. It's to just keep yourself busy with unimportant nonsense, and eventually, you'll be dead.

Leverage is awesome. The problem is that you can’t plan in advance. You just have to play around with what you have. I’m in an extremely HCOL area, so housing is always so expensive. The key is to try to find a good deal. Don’t wait. I doubt the price would go down much. What usually happens is that you will just get used to the high price and think it’s a good deal because it’s cheaper than it was at its high. And if you get a good deal, it will likely still be a good deal in a down market.

I financed my my new kitchen cabinets using a series of balance transfers. The key is to pay off or transfer again before the current 0% expires. If you can be disciplined enough not to gain more debt, you will be fine. I set up an automatic payment as well as calendar notifications around 2 months ahead of the offer end date so I wouldn't lose track.

I was in a key position and I really liked and respected my immediate management and co-workers so I gave six months notice. I announced in November of 2019. I was a manufacturing engineer and we made a very "essential" product so I ended up leaving at a time where we were having all time high sales in certain sectors and things were crazy. I had a bit of survivors guilt as a result but everybody was very happy for me.

Crazy timing for sure. I went to not only not having a job but my very active social life going away too.

This is the key question.

Im assuming youre trying to capture the volatility/rebalancing drag while maintaining a delta neutral position?

The key to that is you would have to harvest more than your borrow costs. Granted, its easier to make money by shorting nowadays than it has been in a very very long time; sell short $100k in stock XYZ buy $100k in Tbills

So long as your cost to carry the trade is positive, your only nominal risk is direction which you are hedging out by shorting both. Youd likely have to rebalance this at least weekly.

I dont really have the skills or means to backtest this in any serious detail but I strongly doubt that this is going to be a big return on your capital. If you try it,I recommend doing it with a small allocation of your portfolio

Inb4 the lemmings pile in yelling how well holding TQQQ did in yesterdays market, therefore it must do equally well moving forward.

Yes, that’s why I say it’s the easiest to change quickly. Obviously you can’t improve your payment history (35%) overnight (key word: history), and most people don’t just run out and get a car loan to improve their credit mix… but if you run a card up to 99% utilization and then pay it off, you’ll definitely see the impact on your score within 4-6 weeks.

Key point... DIMINISHING RETURN as in it is still a net positive by your own words.

It is important to take care of your body and understand how it works in order to keep it healthy. Respecting your body and keeping it clean are also key factors in maintaining its elasticity.

Even if it is true to separate, there is vested interest in both. The key is how will the realtor or property management to market you property.

I absolutely second WordPress. It sounds like your operation plans on growing, OP, Wordpress is the key.

I appreciate your insights regarding passion .

I wanted to share some thoughts with you about pursuing our passions. While it's important to chase our dreams and follow our hearts, it's also important to remember that life isn't always easy. There will be times when we have to do things that we don't necessarily enjoy or feel passionate about.

I understand that you're someone who's very driven and motivated to pursue your passions, and that's a great quality to have. But it's also important to recognize that sometimes, the path to achieving our goals may involve doing things that are difficult or uncomfortable.

The key is to stay focused on the bigger picture and to remember why you're working so hard. While it may not always be easy, it's worth it in the end when we achieve our goals and see the fruits of our labor. how it's not always feasible to pursue tasks we enjoy. U must agree that challenging experiences can provide valuable learning opportunities that contribute to personal and professional growth.

Also, I am dedicated to practicing calisthenics and martial arts. These things require discipline and perseverance, particularly when progress isn't immediately evident. However, I remain committed to continuing my practice and pushing through the challenges to achieve my goals. I can do it.

The key to happiness also includes deregulation and reduction of overall tax burden. Something people seem to miss is that, as one example, Sweden has a lower corporate tax rate than the United States does.

Sweden also has no minimum wage laws.

I think it's very misleading to focus on only the pension age.

The pension reforms are supposed to provide "Gross savings of 17.7 billion euros per year by 2030," according to Reuters.

But since 2017, Macron has reduced the tax income (See the section "Key Figures") by at least €11b corporate tax + €10b housing tax + €20b production tax= €41 billion. That's where the deficits are.

€41 billion lost in revenue is more than €17.7 billion saved. In short: Macron didn't try to 'reduce the deficit'; he simply prioritized tax breaks over the national retirement age.

Now, French Finance Minister Bruno Le Maire is quoted by Le Monde as claiming that the tax breaks will stimulate investment that will increase the tax revenue. If we assume Le Maire is correct, then why did the pensions need reforming to save money? Surely the reforms were expected to bring extra tax income, which could have maintained the retirement age.

However, Le Maire's drive to tax less to increase income deserves scrutiny. The idea is that we assume the economy's current taxation level is to the right of the peak of the 'Laffer Curve', and are therefore compelled to move the taxation level down, closer to the curve's peak. Does this idea have merit? No. Research shows that assuming the Laffer Curve describes reality (it's common sense enough), then most countries are actually below the peak and would need to increase taxes to maximize revenue. So, Le Maire's explanation for the tax cuts neither justifies the pensions change, nor is it grounded in reality.

We shouldn't be trying to imagine how bad the downgrade would be if the pension system hadn't been changed. Instead we should be looking at where the larger deficits were created, for bogus reasons no less, and at how the pension system was consequently sacrificed to scrape through to only this much of a downgrade.

In order to help you assess this, you must provide the interest rates on all of your debt.

This is the objective key to figuring out financial efficiency.

I can't comment on ease-of-use, but I read a horror story on here a while back regarding Squarespace:

Essentially, the dark side of their abundant and easy-to-use starting templates, etc. is that they apparently use some kind of proprietary software to structure it all, so that it is virtually impossible to port your website over to another host if you decide to leave Squarespace.

Can't speak from personal experience, but in general be cautious before getting locked into something you might regret down the road - especially if you plan on your website begin key/core to your business.

Asking the wrong question, the real question is should they keep doing it?

What you offer is a way for customers to stop wasting their time in the weather and money on equipment. Instead, they could spend a predictable monthly amount and never worry about when to cut the grass again or how to fit it between the weather and your schedule.

Your advertisement held potential, and let's assume it was a solid idea.

These golf courses likely have a small shop and 2-3 people who are trained and work well already. The key argument being this is what has worked and will continue to work with minimal changes.

What you need is a compelling argument and timing usually. Maybe the equipment repairs are getting high this year or staff turnover problems, it could be a budget matter. You could solve these issues, but it might take a little more convincing before they jump on it.

Additionally, if you are still a small business owner/operator or maybe just 2-4 guys that nobody knows. It's hard to trust how long it will stay in business and if it's even done right.

You might need some good reviews and use your personal network to build up some respectful numbers. IE how long have you been in business, how many lawns or contracts each year, sometimes even what equipment is available for big jobs or specialized needs.

As your business grows, all of this comes naturally. It's just unfortunate the early years are always the hardest.

Where’s the any key

Answer the following questions I’ve put together. Write to your target audience. Like, have a specific person in mind and speak to them using ‘you’. Use as few words as possible to answer each question. However, repeating ourselves is OK (in fact, encouraged).

Q1: What assurance can you give regarding the single biggest pain they experience that your product or service addresses?

example: Investing doesn't have to be risky or complex

Q2: In 8 words or less, what does your business do and for who?

Example: Automated micro-investments for freelancers

Q3: The purpose of your site is to get them to take an easy first step. What is the single action you need them to take to get started?

example: Schedule a Demo

Q4: How does the problem make them feel currently? And by contrast, how will they feel after?

Example: You know that you should be investing, but it feels confusing. We make it feel fun!

Q5: What key insight or statistic do most of your customers not realize that they need to "wake up" to?

example: Even micro-investments can pay you big returns. You don't need to get rich first

Q6: What is fundamentally unfair or 'just plain wrong' about their world currently?

example: No matter how little you earn, you shouldn't have to miss out on great investment opportunities

Q7: What ought to make their decision to 'act now' a "no-brainer"?

example: Start investing for as little as 8 dollars a month. Waiting could cost you.

Q8: What is the greatest single benefit they'll get from your product or service?

example: Build confidence

Q9: Name a second benefit they'll get from your product or service?

example: Spot trends

Q10: Name a third benefit they'll get from your product or service

example: Earn passive income

Q11: Your customer will have a "transformed identity". What is that new promised identity, and how with they feel?

example: Become a strategic investor with more peace of mind

Q12: What guarantee can you offer that will put them at ease?

example: Set a loss limit, or pause anytime!

Q13: Include a testimonial which shows the transformational power of your product or service. Make sure it includes how they felt before, and how they feel now.

example: I wish I knew about this earlier. I was stressed out by the idea of investing, but setup was easy, and I just let it run. Now I feel like a strategic money-planner

Q14: What is the greatest risk or pain they face if they carry on life without having adopted your product or service?

example: Waiting til you have large sums to invest means missed opportunity cost. Don't lose out!

Q15: What is the most common mistake you've seen people make when trying to solve the problem themselves? How does it usually cost them? Assure your product will help them avoid this by doing ______

example: Lazy investors tend to be riskier and can lose big. We make it simple to spread out your investments

Q16: Include a social proof statement, keeping in mind the transformation you provide customers

example: We love that we've been able to help over 900 people gain more financial independence and peace of mind

Q17: What problem did your founders see or experience which gave them insight into the solution they came up with?

example: Our founder, Jeff, worked 8 years as an investment portfolio manager for wealthy clients. He wanted to see more people have access to investment strategies.

Q18: Your primary relevant certification or credential

example: Our financial aids are all certified chartered professional accountants

Q19: What can you give away as a free tool, guide, or email course to incentivize them to give you their email, and help them better understand their problem? This will further help them to see you as a trusted source. Write a title for this offering

example: How Wealthy People Think: 18 frameworks to change the way you think about money

Congratulations on your entrepreneurial objectives being so young, keeping that enthusiasm despite set backs is key, both at a business level but also in your personal life (which will undoubtedly mix together), bitterness is poison.

Unless you already have a healthy amount of capital for your business, I would seek to collaborate with others that share common objectives where each put in resources or skills, after a business start making money then everyone gets a fair share of income, until eventually the company has grown to a level to pay salaries and equity % dependent of the contribution of each. Hope that helps, wishing you success 🌞

I don’t think you can get much better than that and a simple combination of stocks and bonds might be enough. Personally I would also add real estate and some gold but that is both debatable.

But you can make a lot of mistakes within asset classes, for example only buying a few stocks or buying bonds with a very long duration to chase yields. Diversification is really the key.

There is a lot of talk about better returns in private equity or other alternative assets but more recent research shows that there is not much to gain there either. Again, adding alternative asset classes is optional and also debatable so I would keep their share relatively low.

Literally just made a guide on picking a High yield savings account, and added customer service as one KEY and very important factor to picking somewhere to park your money.

https://www.reddit.com/r/personalfinance/comments/13335qb/without_a_high_yield_savings_account_you_could_be/

People forget this and chase yield, or bonuses, but any gains they get are immediately wiped out by situations like this.

There is a reason Amex, Delta, Costco and a bunch of other companies do well, even with high prices, they have STELLAR customer service, which is PRICELESS in todays world especially.

Issues happen. It's how they are handled that is key. So yes, one issue poorly handled