US stock · Technology sector · Semiconductors
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ON Semiconductor Corporation

ONNASDAQ

73.40

USD
-0.60
(-0.81%)
Market Closed
19.57P/E
16Forward P/E
0.98P/E to S&P500
31.740BMarket CAP
- -Div Yield
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if anything i can print page 7 of my amended return worksheet showing them i should have gotten $1400 for my dependent mother. i can't re-amend the return, since i've already amended the return telling them they owe me $1400 (which is $2800 minutes the stimulus payment i received for myself)

i followed all the steps that i know correctly but i do not have clarity on when and if i'm getting the $1400

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Those are not blue chips.

I’m skeptical on QQQJ. Just because of the advertising campaign in heavy rotation for MDY, which is similar.

Cute advertising campaign. Not quite a gecko or Progressive. But close.

But, too much, and too thirsty.

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If you want to try a skincare product you can use SWEATCOIN50 on luminskin … nobody knows about that code for some reason…

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year (mainly Netflix)

it seems like you are gambling on the stockmarket rather than letting the stock market works for you. Read the wiki guide

if you want something safe. you can look at CD's they are up to 5% atm or maybe into I-bonds

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the irs where's my amended return site says it's been completed. i got a letter a while back saying there was no need to adjust my taxes.
"Are you talking about your 2020 or 2021 amended return?"
i'm talking 2021

"What's the timing here?
Are you sure the letter you received was referring to your 2021 amended return?" yes. i mailed them a copy of the letter i got about may? and wrote asking why they said i didn't need to do anything and nothing additional was needed. (i forget the exact wording) the irs agent i talked said it was 'closed out with no adjustment' and the irs 'where's my amended return' site says completed.

"Did you receive the letter that said there was no need to adjust your taxes before or after you mailed your 2021 amended return?" yes

"I wouldn't be concerned that it's been over 60 days. They're still way behind so it could take significantly longer for them to get back to you." well they processed my paper amended return for 2020 already so i would think the electronic 2021 amended return was done for.

"Any additional correspondence is likely to add to the IRS delays. I recommend just being patient."

it's not clear if and when they will ever respond, since it seems the amended return is marked completed; the wording of the letter i got was a bit ambiguous, but it definitely seems like they weren't going to adjust anything. i talked to multiple irs agents and they actually had conflicting interpretations of the letter i got saying 'no action was needed' on the account.

i was just considering printing page 7 of my return worksheet to show that i should have gotten the 1400 for my dependent.

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If you believe in technical, buy Puts on tech when Vix is low 20s.

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Do NOT buy anything that you dont have cash in savings to pay for it.

as someone who is climbing out of some credit card debt after their spouse went to school and i was the only one working, we maxed out 5k on credit cards. then i kept using afterpay/sezzle as well.

i dont even know how i ended up with debt in the first place.

I used my entire christmas bonus on paying credits cards off.

we need a couch and bed. we have like 25k worth of credit card access. we will not be using any of it.

​

we will be saving 2k for the mattress we want. put it on the credit card. then transfer our savings and pay it down the moment it is posted.

we need a new couch. same thing. 2k saved in cash. buy on credit card. pay it down right away.

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Yeah that’s my favorite. I’m looking at sale prices and they’re pretty much the same price they were the year before. Except now they’re on sale. My brother runs a dicks and said the same thing. Most sale prices are the same price the product originally was a year ago. In some cases even a few months/weeks ago. It’s honestly a little mind blowing.

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Two cons:

  • interest (and potentially fees) will accrue if you forget to pay or can't pay
  • it makes the item seem cheaper. Somehow, 12 payments of $14,99 seem cheaper to most people than one $178 charge. And some people could think: I cannot pay the $178 at once, but sure, I can pay $14,99 for twelve months, no problem. Meanwhile if they do this a few times with a few items they're slowly putting more and more ballast on their future self.
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My 2004 bmw has butt warmers in the seats.

230,000 miles and it's still too much on level 3. Seriously its a piece of crap and I'd give it away.

Who needs to feel like a kebab on the seat?

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So are you going to spend money on the party who already excepts crypto as part of some new libertarian scheme or the one that’s hesitant, such as the Democrats, use your brain, dear Lord

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I found in my job as I've gotten older and in my position. Computer applications skills begin to begin to fade. I don't need to use them as I did in college. Y job really does not require ne keeping up with Microsoft suite.

Depends on the job and skill requirements and people that can handle pressure. Solve problems as needed.

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Hiring is broken, that's for sure.

> look for a pre-vetted talent pool ....

there are a few companies that claim to do that (just google it), and then that's what head hunters promise.

And then that's what an intern program does, pre-vets candidates.

For the rest of startups I suggest to have a big presence on social media, post about life inside the company, projects, people, and state that you're always looking for interesting candidates and that you keep resumes received confidential and in consideration when there's a job opening, and then do that.

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Your objective should be to keep as much cash and knowledge as possible.

As a management consultant focussing on marketing for almost a decade, I would say go DIY. Users' feedback is key to your product development. There are some excellent deals on tools for start-ups on a platform called F6S.com which will help keep some costs down.

See if you can find a cofounder with marketing experience, ideally a friend or previous colleague. You will lose equity, but you will share tasks, gaining time and knowledge.

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Ah yes, the peena chart, always on the upside.

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He’s probably referring to yield-to-maturity. That would be the annualized return, including capital gains on the principal, from now until the bond matures. That figure reflects a combination of the bond’s coupon (i.e. regular interest payments, usually quarterly or semi-annually) plus the capital gains realized when the remaining principal amount is paid out at maturity (i.e., the difference between what you paid for the bond and its face, or par, value).

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With the recent technological revolutions happening, information is a powerful tool and to implement it at all levels allows for a business to dominate. All it takes is a few of them to catch on to destroy the competition and form monopolies which allow it

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Puts on groceries

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Just get a circuit and make an Etsy they’re on sale right now. You can craft a ton of things. Another option would be use book bolt and create planners and different things for the new year which would make great stocking stuffers and sell them on Amazon. Free 3 day trial and site costs $9.99/month to use.

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You said you want practical which I will get to after my main point. Business breaks down into three main categories:

  1. Develop a product
  2. Buy a product and resell it
  3. Service businesses

Now what to so inside this

  1. You need an idea and skills/money to build it. Can be sold in multiple ways

  2. You need knowledge or have intuition about a market you want to sell to and what they need. Source the product and then sell it for more than you paid.

  3. Offer a service someone is willing to pay for that you are skilled enough to provide.

Practical application:

  1. I will skip the first one in depth. Design physical products or software products

  2. if you have knowledge of a specific industry, sport activity find products for said knowledge and sell it in person or online. For example if you life to cycle and know all about it source the best products for the best price and then start to sell them. Selling them and getting your name out there is the hardest part. Its not enough to have the best product, you must convince people why they are and deliver on the promise.

  3. Straight forward - take a skill and monetize it. Lawn maintenance, cleaning service, consulting etc

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I think this concept is part of the reason trading cards and sneakers experienced a boom. People are able to invest in an asset that they can enjoy in the meantime.

Distillery, or vineyard maybe. Could build a space for weddings/events on the property.

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I probably over do it, but I track the following for any expense over $100.

  1. Date of service
  2. Date of Payment
  3. What the expense was for
  4. Who the expense was for (family member)
  5. How I paid
  6. Insurance that covers the expense (useful for finding EOBs and also helps if you change insurance companys or if you have multiple insurances (spouse))
  7. If I have a paper copy on file. I keep a folder will all big expenses

I am pretty confident with the above I would be able to explain any withdrawals should I need one.

I also keep track of the total of my medical expenses vs the account value, so I know how much can be withdrawn if needed, but fully plan to save it for retirement when I will not need any of the above.

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My brother did that actually. Every month he took a picture of his daughter. She was born in July, so for January, it was a cute photo of her at the age of 6 months. February at 7 months old. March at 8 & so on.

Everyone loved it.

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I think you're on a good track. I'd keep it real simple and stick to a single broad market (market cap weighted) index fund like VT. Trying to split it all out into different market cap funds or dividend paying (your SCHD for instance) is just muddying the waters.

One thing I'd point out also in regards to SCHD is I steer away from dividends as it's essentially a forced capital gains tax on an investment. I'd much rather have a stock not pay dividends and have the price appreciate so that I can claim that income when I want, not when dividends payout.

Also, keep an eye on capital gains in the funds if it's in a taxable account. VT/VTI are well regarded for not having any capital gains and an extremely low churn rate. Compare it to, say a target date fund where they're constantly churning investments to stay on target. In a taxable account this can cause a catastrophe of taxes if you're not careful. Lots of ink has been spilled about the huge cap gains these funds spilled in 2020/2021 as the market went up and down so much.

tl;dr - You're young. I'd stick to a single broad market equities fund like VT and skip the rest. Watch out for expense ratios and capital gains outlays in taxable account investments. Also get going on that 401k. Even with no match it's a tremendous tax advantage.

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My boomer FIL who bought in on the IPO at over $100 knows a guy who knows a guy who test drove one and he said "now that's a truck". So thinking going long on this trust me bro.

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Should move the expiration date to the 16th, fed meeting on the 13-14th.

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If its good enough depend on the bank not us

How do you define "need" you show no goals so it hard to give any recomendation

Why are you getting another car?

Why would you do a perosnal loan rather than a car loan for the car ?

​

short: as it stand now it seems like you are into a really bad idea

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Too bad 100,000 protestors on social media is an insanely small percentage of 1.4B

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>It is important to note that a trading strategy must be tailored to the individual trader. What works for one person may not work for another. It is also important to remember that no single strategy will guarantee success in the stock market. Instead, traders should focus on developing a system that fits their own goals and personality.

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You said you want practical which I will get to after my main point. Business breaks down into three main categories:

  1. Develop a product
  2. Buy a product and resell it
  3. Service businesses

Now what to so inside this

  1. You need an idea and skills/money to build it. Can be sold in multiple ways

  2. You need knowledge or have intuition about a market you want to sell to and what they need. Source the product and then sell it for more than you paid.

  3. Offer a service someone is willing to pay for that you are skilled enough to provide.

Practical application:

  1. I will skip the first one in depth. Design physical products or software products

  2. if you have knowledge of a specific industry, sport activity find products for said knowledge and sell it in person or online. For example if you life to cycle and know all about it source the best products for the best price and then start to sell them. Selling them and getting your name out there is the hardest part. Its not enough to have the best product, you must convince people why they are and deliver on the promise.

  3. Straight forward - take a skill and monetize it. Lawn maintenance, cleaning service, consulting etc

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I am a bot from /r/wallstreetbets. Your submission was removed because was too short. Please make it a comment if it's not worth expounding on.

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A private company with one share has $10k on the bank. Company receives interest and has $11k. Company is now worth $11k.

Your company sells another share to a partner for $11k.

You now have $22k banked and each share is $11k.

Company receives interest and now has $24k. Each share is $12k.

The company still exists.

Calling it a ponI scheme is ignorant of what a stock is and what a balance sheet is.

Options are a zero sum game. Stocks are not because value is created.

Neither are ponzi schemes.

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You said you want practical which I will get to after my main point. Business breaks down into three main categories:

  1. Develop a product

  2. Buy a product and resell it

  3. Service businesses

  4. You need an idea and skills/money to build it. Can be sold in multiple ways

  5. You need knowledge or have intuition about a market you want to sell to and what they need. Source the product and then sell it for more than you paid.

  6. Offer a service someone is willing to pay for that you are skilled enough to provide.

Practical application:

  1. I will skip the first one in depth. Design physical products or software products

  2. if you have knowledge of a specific industry, sport activity find products for said knowledge and sell it in person or online. For example if you life to cycle and know all about it source the best products for the best price and then start to sell them. Selling them and getting your name out there is the hardest part. Its not enough to have the best product, you must convince people why they are and deliver on the promise.

  3. Straight forward - take a skill and monetize it. Lawn maintenance, cleaning service, consulting etc

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More or less $25 per person. Not too bad.

Wanted to pitch in, something I've done previously is to buy everyone an Alexa dot :)
Amazon tends to sell them off for like 15 bucks a pop. Here is Amazon link to 3rd gen one for $15. If you really feeling generous, throw in $10 starbucks or dunkin giftcard.

Additionally, TJ Maxx/Marshalls, heck even Macy's have good deals on gloves and scarfs. Implying it's applicable to where you live.

Other comment has mentioned how you can split some bigger packs (like 3 candles for example). Buy a few different products & split them up. Candles, mugs filled with coffee or hot chocolate. TJ can sometimes have other snacks packed up together.

Etsy might have some little souvenirs, like necklaces, bracelets or some wall pieces for a decent price.

​

...
A few extra ones off the top of my head:
- Mini sandwich toaster. Saw amazon had one for $17
- YETI can cooler (I got 2 at home myself and it's a godsend)
- Coasters. Some nice ones made out of stone or something.
- RGB keyboard pad. Or jus RGB mouse for a gamer friend.
- For book readers, check online book subs. Like buy 1-2 books "trial" for them. Rest they can pay themselves.
- FunkoPops to those who may have some special show or a game they love.

Always include a hand written card!

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Fast & Furious is based on a true story, real talk.

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He is a religious fanatic and bases his ideology on ethnonationalism and imperialism. Can't expect sound decision making from such a person

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You can go on flippa.com, there are tons of businesses to buy. Even if you don't a business to buy on it, you will find tons of infos on différents types of businesses.

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Went short on that one

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The social contract changed from 1960 to 2020. Corporations went from providing pensions to no longer doing so. Not every company chose to offer a 401k, or matching funds. Not everyone caught on that they were no longer able to rely on a retirement funded by their employer, and they missed the opportunity to invest in a IRA. Even if they did, not all IRA’s offered competitive funds. Many are only earning the interest a savings account would garner.

People made decisions based on BAD - the best available data. And not everyone’s boat was lifted by the tides of the stock market, and many were caught in the dot com crash in 2000’s, the real estate crash of 2008 and the most recent crash now. Plus the stagflation of the 70’s left many with the impression that savings were a waste, since the impact of inflation was higher than the rate of return.

I’m not saying everyone had these challenges, some people did very well. But it was not the majority. The erosion of protections for employees that happened over the past 4 decades pretty much screwed a lot of people in their 50’s and 60’s now.

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You said you live in a cold area. Hot tub servicing. You need chemicals, a hose (or ideally a pump), and a pair of snowshoes. I have an rental house in Tahoe and don’t live in the area. Finding someone to service the hot tub (balance the chemicals, drain it if an idiot guest breaks a glass in it, keep it in basic running order) has been extremely hard to find, but most rentals have hot tubs. You can easily charge $50 for a 10 min visit to balance chemicals and $250 to drain, clean and refill. Tons of customers on subscription and you can chose your own hours.

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Education, as in knowledge and understanding.

The best investment of time and money that I know that keeps on giving.

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I have four vehicles on the policy and the fee is close to $3k annually.

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That sounds interesting, I was thinking of something that’s more personal use as well since I hadn’t come across anything like it, but you seem to have that covered

But our primary product is similar, we white-label tutoring software and we’ve been struggling with marketing and sales, I’d be super grateful for any advice you have on how we can make affiliate programs work and how we can find affiliates in the first place

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Could you please clarify on what you mean my first page looks like I’m allergic to all pets? I have items for all pets on my page, and I’ll soon be adding reptiles so I’m actually trying to cover all genres of pets. So I’m not quite sure what you meant there. As I stated this is my first time trying out all of this, so if you would, please be so kind to just break it down to the point where I understand because this entire process from start to now is extremely overwhelming. Not being rude just trying to understand what you just wrote in it’s entirety. I got the just of it, especially the end as far as why drop shippers fail I would like knowledge on that to compare from what I’ve already been researching… But yes, could you please clarify a little more for me thank you.

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Hello, I am 19 from america and have been doing research on stocks since i’ve been 17 and learning about them. I have never actually bought a stock, yet i keep close eyes on them. I finally bought my first stock which was lufax. I bought it because of the 22.2% decrease and it’s so god damn cheap. I bought it right now at 1.4. If lufax does rise, should i buy more or sell once it gets high?

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I hate all the characters on Yellowstone apart from Kayce Dutton and Jimmy. The rest of them are angry alcoholic farmers.

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If you need help with software I would talk to local companies. I would focus on timeline, pricing, how does code handover work…etc. Keep your options open.

As a software dev I can help you better when you define exactly what functionality you are looking for in your software.

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You have no options. Take it as is or move on. Simple.

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That seems pretty dead ya? Man you guys are grinding. Good on ya….

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Like the other guy commented, are there any good ones you can fecommdnd? And can you elaborate on what you meany by turning one of us into millions of us doing different tasks?

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Fair enough, it’s honestly not too complicated but I have been in the space for years now. Coinbase is really easy to use and can always keep the coins on there!

Best of luck moving forward.

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Which really annoys me. When I die, throw me in a ditch or donate to science and you insist on spending money on my corpse, for the love of God, at least spend it celebrating my time spent with you then, not dress my corpse like a barbie doll for show.

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This argument is going around in circles. I asked for a technological solution and you're giving me leadership advice. Stick to topic at hand.

If it bothers you then that means you have biased thinking. Don't attach feelings to it. It's a business question, it is logical. Go over it again.

Trust and dependency go hand in hand. I used to head a salesteam of 150 (pharmaceutical) people all over the country. There were guidelines on how to work and there were KPIs to achieve. People found hacks so we built tech based systems to counteract them creating more efficiency (mobile apps, CRMs, etc.). I trust they'll make sales but if do it unethically that reflects on the company as well.

There are black sheep in every group and human nature is we want the most reward by the least amount of effort. We know people still cheat and we know we can't catch them all. Even pharmacies have a pilferage rate 15% and that is accepted.

This is how businesses operate in Pakistan as far as my knowledge is concerned. We are still NOT A TECHNOLOGICAL SOLUTION based country when compared with world. Work is still done using the 'old' ways. I think the confusion here is you're looking at it from a first world view while we are a third world country.

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Having worked for several corporations- I think we are all over estimating what the person doing the hiring actually thinks about. IMO, the biggest barriers I hit was that I had a lot of management experience that made me a ‘threat’ to the people above me.

I learned very quickly to BC myself on every email, and CC my supervisor on just about everything. I would send emails detailing whatever i was just told as confirmation and record.

I told my kids in high school to do the same.

“just as a follow up, we agreed to… going forward, and new policy is…’

Beca I got tired of being thrown under the bus by people covering their own ass. At one point, with a very difficult employer, I had every email forwarded to my personal email. 6 months after my seperation, while some issues were still in dispute, I was still receiving emails from my old account that they had reassigned… It dod not go well for them. One of their complaints was that I lacked the tech knowledge so they didn't have to pay me our agreed on 3 months severance.

Talking shit about me to the new hire while it is all being forwarded to my personal email, doesn’t look good. I got to keep my client list, and 3 months plus 15k.
Another job at a regional meeting, the corp rep was explaining why no one would get their annual pay increase became shit was so bad- I raised my hand and started reading off their quarterly. Then asked, ‘how do I tell my workers they don’t get a raise while you are handing out dividends to shareholders and buying more properties?” They literally just shut down the meeting. Everyone was asking me where i got this information- its public, SEC. I was the only one without a BA in the room, and apparently the only one who bothered to look up our Company.
(FYI, nit the best path to promotions, but my hotel had the vest margins and retention of staff).

Point is, sometimes an education doesn’t teach you how to actually work in the world.

My stepfather worked for a major corp without a degree, and they would send engineers who had just graduated to work with him, because he knew how to manage and start up a site.

There is a lot that advanced education offers- but it is not everything.

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principle/interst payments is not something that is physically there. its an analytics of you payments

lets say you borrow 10000 dollars at a 10%/year interest rates you pay back 100 a months. ima do some napkin math but its close enough to show what is going on

after 1 years the 10000 dollars debt grew to 11000. then you paid off 1200 so you debt is down to 9800.

aka 1000 dollars was interest and the 200 was principle.

as you can see principal is what is left of your payments compared to what you debt grew with in the same time. its not like a bucket of this or that.

This is how all compound interest works. because the interest becomes the new principal for the next interest calculations

​

There really is NO interest vs principal payments. it just a calculation to see if you paid more or less than the interest and you cant do that without subtracting interest

when you select principal payments for extra payments you are basically selecting "EXTRA payments" vs "paying ahead of time"

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Is there a connection?

“Shit, 10% battery left? All in on Tesla uppies expiring next week!”

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People are always shocked when they discover zero is an option. They all figure if they 'just get out there' they will get the share the capitalism fairy will grant them.

In a capitalist endeavor your fair share is zero.

Okay, I will agree that understanding your customers is a worthwhile objective. But they are pet lovers -- not Martians. This is not so esoteric a niche you need to guess much. Certainly not to the point you may exercise the chicken-and-egg escape clause.

Looks like a typical dropship. Which means the product page copy reads like you are allergic to all forms of pet. Whatever you might expect from email copy which changes this -- don't. Why do dropshippers always seem like they would never own anything they are trying to sell, IDK.

The second most visited page on most sites is not there. Typical for the dropshipper, not good practice for converting visits into sales. I suggest a "Why Choose Us" rather than an About Us that sounds like you are talking to yourself, about yourself, like a deranged street person.

If it is a dropship site, congratulations, there is nothing wrong. That out of the way, we can then discuss the failure rates of dropshippers being so high.

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Im in Australia not sure if that changes this. Our scores are out of 1000 or 1200 depending on the agency.

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Okay legit question if one of you wrinkly brains could pipe in…if reverse repos are the new source of most liquidity (and most easily accessible to banks as an overnight loan) then won’t they just be deployed on a moments notice with any serious downturn in the markets? Therefore preventing any real capitulation?…

Explain it to me like I’m a WSBer

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Any US style options. Call/Put on VIX are "European style" and can only be exercised on expiration.

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CVX can now pump oil in Venezuela? Calls on oil

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Regardless of their long term prospects, I think there was an over-reaction to the Crypto + student loan news in the short term. Crypto is like 1% of their revenue and extending the moratorium on student loans wasn't exactly a surprise. Certainly not enough to justify it's 20+% drop since beating on earnings.

Nothing fundamentally changed about their operations so I doubled down (added at $4.90 and $4.64 bringing my cost basis to somewhere around $5.45).

The most worrying thing to me is that SOFI gets a lot of support here on reddit. That alone made me skeptical for quite a while before buying in.

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>How I go about filing my taxes on turbo tax? Do I just do the same as usual and enter them all in?

Yeah ezpz.

>Do you tend to lose money or have to pay when filing multiple w-2s?

No it's part of their package. You should be able to file for free with turbo tax.

https://turbotax.intuit.com/personal-taxes/online/free-edition.jsp

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Hedgefunds did add some rvn last quarter. Amzn has stakes. They will never go bankrupt. Add on lows

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Tldr: indicators point to very soon, YES but 1st for commercial use, then the plebs.

Nikola got their first truck operational and running tests a coupla quarters ago.finaly I didn't even have contracts until very recently but man. I hurt on behalf of the OG early adopters. What a ride.

Tesla pivoted on Musk's stance and they unveiled a model H2 for 2024, not but days ago.

Plug, arguably the US's most established hydrogen start up just bought a f*kload of physical inventory components for fill stations from their european manufacturer and, the local to me h2 start up just built their 2nd stn and has 8 more to go in in the next few years. Press releases across the hydrogen sector note a shit load of angel investing is occurring. Which is weird because h2 has been a dumpster fire for the prior 2 years.

I did a quick but deep dive on lithium: Macro and micro. It's less sustainable than using helium to cool server farms without recycling/recompression. It's a shitty power solution for what we need anything past personal use vehicle power for, and it's eco bottom line is going to get it stricken from validity in meeting eco targets in nations that still gaf about those. Lithium strip mining is going to be the downfall of that tech, as well as being brutally not applicable to industrial use.

The retail consumer is unimportant when scaled next to the industrial supply chain fuel consumers.

Toyota has been tooling r&d for hydrogen for a while now. The Mirai is just a consumer application. Most of the effort has been applied to heavy to light industrial vehicle.

The stable money in vehicles is always in commercial use. The global and local supply chain needs viable fossil fuel replacements. Hydrogen is easy because it can fit on top of existing infrastructure, as soon as storage and green/blue manufacturing is nailed out.

There have been a lot of fuel cell advances bubbling up in news in the last year. I'm basically as close to all in on the turnover as a wage slave can be.

This is the big economic shift in energy production that talking heads have been hinting at and its basically almost here. Buckle up and reposition. Railroads and hydrogen is the future, and for my fellow regards that like planes: Airbus. My dad, who was also an aerospace engineer and passed on that regard affinity for pattern analysis did contract work for airbus through his work on guidance systems. Those guys have their shit together on the r&d end and are already protyping physical H2 planes.

I'm basically just waiting on bombardier to start unveiling.

Anyways. Auties like planes, trains, and busses. Vroom vroom.

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well what i did with lasers as a $6/hr temp was test medical electronic parts for QC purposes, back around 1986. We were shown how to do the procedure but nothing about the science or economics behind it. Lasers are cheaper and more powerful now. I do find styropyro's youtube videos a good introduction to the topic. They are focused mor e on being entertaining than instructional. Lasers are used for precision cutting, such as eyeballs or lettering for metal signs.

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Black Friday capitalizes on a concept known as the elasticity of demand. When prices come down below a certain point it tends to loosen up the purse strings.

I never participate in Black Friday. It's a mind game, and in this case the "sales" are just a brief reversion to what prices were before retailers started gouging.

That's the most infuriating thing about the current inflationary trend. A certain degree of inflation is unavoidable -- especially after the glut in the money supply caused by quantitative easing, covid relief, etc. But producers and retailers are in a feeding frenzy to see what sticks, particularly on goods with a demand that is largely inelastic, like food, housing, etc.

If you want prices to go down on most items, stop buying them. When demand dries up, they'll be forced to lower prices again. The only reason corporate greed is paying off is the fact that they've figured out the average consumer. They're still buying things they don't need.

Meanwhile the Fed is doing a ham-handed job of trying to reduce demand for financing by raising the interest rate and doing little else. When there's blood in the streets, anyone who is liquid or credit-worthy will actually be in a good position. This is how recessions benefit the uber rich.

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How is this any different than having a job and not delivering on your promises there?

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Insurance is telling you that they can't repair it for 6k (the payout they intended) or that the hassle for them to repair it is worth more to them than 7k.

Is it possible you can repair it for less? Maybe. Is it possible you can sell it damaged for more than 6.5 (thus making you whole on your original deal)? Again maybe. Really your cost of repair is dependent on the amount of work you can do.

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Depending on where you live, there are financial incentives for people to age in place, help with in home care, etc. In PA with the 2nd highest senior population after Florida, there will never be enough facilities to move everyone into assisted living as the boomer bubble hits. My county has financial resources available which my parents take advantage of.

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I like cars. I used to swap every one to two years. I devoted my "hobby" money to this.

Then I went back to school so that stopped. Eager to start doing it again. The maintenance bills on my old junk are getting to be more on average per year than payments would be. Only need another couple months.

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Up to you. You don't have to create a new account. But you certainly could.

Save documentation on Roth contributions and conversions so there's a paper trail for how you've contributed and converted.

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This is very true. The valuations of companies like PG is just absurd right now. Retail investors dumped tech stocks in Q2 and loaded on value / dividend stocks, making them overvalued in the process. At the moment most people only talk about dividend stocks, while 1 year ago they were only talking about how tech stocks could only go up. Even freaking tobacco stocks are doing well this year…

Dividend / defensive stocks will be the next ones going down. Personally I am buying blue chip tech names right now, like GOOGL, MSFT, META (surely a more aggressive bet), AMZN. I am Also dipping into QQQJ (mid cap tech etf) as it has crashed more than 30% from ATH. I would love start building a solid position in SCHD but I am convinced there will be better entry points in the future.

The market is simply very irrational in the short term. It is acting as if META and GOOGL business is doomed, while pricing staple stocks as if they were high growth. I always try (but it is very hard) to do the opposite of what the trendy topics are.

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To give some more detail, I was making around $200k per year in the US after about 5 years of experience. The same job in much of Europe would be paying $70-100k (exception: Switzerland). I computed my taxes in a country like Germany or Sweden and with my current salary today, I'd pay about $85,000 more in taxes per year.

It's very similar in Canada, but is somewhat better because it's near the US. Canadians make about half as much before taxes. Taxes in Canada are high, but not as high as in much of Europe. I computed that I save about $60,000 in taxes per year being in the US.

The concerns you haven't are a big deal for engineers: for example, I don't have to pay more than $3k in healthcare costs because most engineering firms have top quality health insurance. Employment is at will, but there's so many open positions, it's normal to have 10-20 companies recruiting you on LinkedIn.

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If they are selecting and plotting by bath count and sale price yes. In cookie cutter places going from 2 to 3 can cause the AVM to jump irrationally because 3 bath houses in those types of locations tend to have higher quality as well. Same with a garage. That is where you need a check on value added. No way should a garage add 50k because it costs much less to build one and the contributory cap is usually determined via a cost depreciation analysis. If the regression is showing a garage adding $50K there are other things contributing, perhaps quality, perhaps lot size since a third bay needs a wider lot, or perhaps both. The AVM models based on 2 points cannot differentiate.

And there is no doubt sellers were taking advantage of the models. I see Redfin, open door, zilllow, offerpad and the rest selling for lower than acquisition price regularly.

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It's 3:20 am on a Sunday

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In civilized countries, people don't pay for medical as individuals. That cost is grouped/pooled, since it can be so astronomical. Like insurance. So most people just pay a premium, so that when the poor poor people get sick, they don't have to spend their entire (usually pretty non-existant) life savings on their sickness.

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He should consider getting on social security and moving to a very low cost of living area or even emigrating to a country where his social security income would make him middle class.

You should consider going to an inexpensive state university, since your parents can't cosign loans for you.

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There are a bunch of factors that go into credit scores but the biggest are percentage of credit used and on-time payment. If you rack up 8k in credit, you are using 80% of your credit. This will hurt your score. Try to keep your usage below 10% or $1,000. As far as making on-time payments, as long as you make the minimum payment it counts and helps your score but please don't do this. Pay off your balance every month so you don't pay interest. Don't charge more to the card than you can afford to pay off.

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The problem is, too many people have been sold on the Instapreneur lifestyle and think of Entrepreneurship & business in general as schmoozing, taking pictures, social media, and making millions; that's it. It's much more glamorous than actually working for what you have. Getting up early, making product 12 hours straight, before a big market.

You also have to realize we live in a digital age. The thought of simply doing a thing, talking to a person, getting a sale, and the client coming back out of loyalty is a thing of the past. Pretty much if you aren't on social media and doing any ad work online; you won't get much of anywhere.

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I have been short AAPL since august, closed most of it once, but have been adding onto it on big rally days since. i'm -20 shares short.

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I forgot data centers and internet infrastructure runs on fairy dust.

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I would recommend spending in a sales team.

I mentioned in another comment, I ran a similar project for my non profit. Wasn’t video based which I think is a fantastic idea. But similar concept of more humanized job board, to communicate work culture. It was free to use for both sides (since we were funded by donors and grants). My non profit was focused on the bar/restaurant industry. Which honestly may be a good industry to try and target. High turnover, and typically quick onboarding processes.

Plus the video aspect I think would resonate well with seekers and managers.

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You avoid self employment tax at 15% if you set up payroll, which you pay for social security/Medicaid through. In addition when you enter into the 22% tax bracket (married or jointly) you only pay 15% so you essential save some on self employment and some on income tax.

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Well for me who started his degree over 10 years ago there was still some romance around studying what you were more interested in and thinking that I wouldn’t spend as much time on a computer (actually true in my case). The data at the time did not show that software was making much more than most other engineers. I think some major like Nuclear engineering even had higher salaries back then. Maybe this was because it was national averages though and software pay can skew wildly upwards in places like SF & Seattle. I guarantee if you look at both salaries and total comp now though software has left everyone else behind nationally too.

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A business shouldn't be dependant on you though. Eventually it should be ableto run without you. There are exceptions though. Some people likeworking in a small business they own, so that's ok as well. The beauty of a business that can run itself is that it can be sold very easily.

Why is it a loss to make less money if you have an employee? It means you have more time. Maybe you can earn more with that free time by starting a different business. Easier said than done. There's always a transitional stage where you often need to go backward before gowing forward.

For example, my business may be making $100k. I then take on an employer that costs $40K, so now I'm only making $60K. It sounds bad. But what if that employee increases profit to $80K next year, then $100k, then $120k? Then it's worth it. You gave to think long term. Not easiy at all.

You have to do whatever suits you best though.

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When I was first married, I acquired a bench grinder, a wood turning lathe and some whetstones. Had a side income sharpening tools and making tool handles for a local hardware store and on Facebook.

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Appreciate it, I will check it out. I plan on maxing out my 401K contributions in addition to paying down the mortgage.

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Lol one of us cause he’s broke! Even VM is losing money on Yolos and probably virtual hookers

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Mom says it's my turn to do regarded TA on derivatives next

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Can confirm it is the same story ~10-15 years down too. I'm 30 and I will probably drive the same car I bought used 5 years ago until it stops going. But a lot of my peers are saddled up with new car loans, splurging on expensive getaways, and always looking for the next trade up now that they are finally making grown up money (and even if they aren't, sadly). It doesn't help that we are all encouraged to sign up for things like loans and multiple high limit credit cards in order to prove we are "credit-worthy" and build our credit scores. I like having fun too, but on the off chance I make it to old age, future me is gonna be pissed at me if I don't save enough for her.

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Yup 👍 and it's not going to turn around any time soon.

  1. Oil, the most powerful export and value driver we have AKA the petrol dollar is in the process of being replaced. BRICS (Brazil, Russia, India, China, and Saudi Arabia) are already talking about creating a replacement.
  2. We have a brain dead leader that at this point seems completely intentionally set on destroying the economy. Every single "infrastructure" bill this guy has passed has fallen flat on its face. He literally dumped dark money into the pockets of unions and walked away. When questioned he simply shrugs and pretends it's not his problem. Go look up the build back better stuff... It has to have already hit the trillion dollars mark at this point.
  3. Then you have other western countries like England etc that are 100% reliant on the petrol dollar because their exports consist of cheap actors and movies that make even Bollywood cringe.

Here's the thing, your looking at recession and thinking "wow this looks bad." What if I told you that if we keep going down this path in 2 more years we could be on the brink of our own holodomor? Forget a recession, I'm talking about your money being worth less than the paper it's printed on. That's where the wonderful Joe Biden is taking us and half the country is cheering for it... This is entirely why democracy is a terrible idea, your giving power to people that can barely pass a 5th grade aptitude test...

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Is the current amount of brain drain meeting our domestic need for chemical engineers to work in chip making facilities in the US?

I don’t stand against immigrants coming here to become engineers but currently all the immigrants that come, all the current people succeeding at becoming an engineer from immigrant families, and all children from good schools in the US are still not enough people.

I am a chemical engineer, I make no excuses in my life, even when I was homeless on the streets of Oakland California. I made no excuses when I failed to graduate from high school on time because I worked to keep my family in a hotel room.

Downvoted. You are small minded thinking that success is a zero sum game and for Indians to do well Latinos and blacks must do poorly.

On a personal note you know nothing about me or my circumstances, don’t talk about whether I make excuses, you know nothing of my struggle.

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Sorry if I'm regarded, but isn't Hong Kong in china? Does china just want to look good twice on the list?

-american regard

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Can you draw? If you CAN'T draw... Maybe commission a picture of all of your loved ones in their natural environment like a collage, or like a pretend picture of all your loved ones posing for a fake photo. It's way better than dollar store stuff or anything like that. It's personal, its loving, it's considerate, it shows you know them. Describe their styles to the artist and go on DeviantArt to find one you like their style of. Do it SOON so you can make sure the artwork gets done and ask them if they have a habit of meeting their deadlines, and give them an early one so they meet it for sure. Additionally, if you want and can discipline yourself to get it done, handwrite a card with all your inside jokes and happiest experiences with them to include. It'll be the best gift they get, even past all the other expensive ones 10x more the price.

Also with the commision, give a small tin or cardboard, paper lined box with a ribbon (environmentally friendly) of cookies or brownies that you baked for your loved ones. It shows you love them and everyone fucking loves that haha. Anyone who hates sweets, add a gift card of 20 bucks to their favorite restaurant.

Keep the rest and take care of yourself. And they'll love these gifts so much, they'd never ever want anything different. <3

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I texted this girl on Thursday morning and she texted me back this morning. Is she trying to send me a signal to text her more often? idk what do you guys think

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You and I might have morals and standards, but society does not share what we think. Disgusting as it is, Trump still won presidency and established himself legitimacy among a large portion of our country.

But Musk is not a Trumper. He’s generation 2.0…what comes after. And what comes after Trump is a lot more palatable for the big wigs that want to suck up and make some money, morals be damned.

I’m completely bearish on Tesla as well, but only because they don’t have a way to stranglehold automobile business as other industry titans have on their respective markets…Not because I trust society to be shocked by Musk’s lack of class.

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