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This board is for the discussion of topics related to business, economics, financial markets, securities, currencies (including cryptocurrencies), commodities, etc -- as well as topics relating to starting and running a business.

Discussions of government policy must be strictly limited to economic policies (fiscal and monetary). Discussions of a political nature should be posted on >>>/pol/. Global Rule 3 is also obviously in effect.

Note: /biz/ is NOT a place for ADVERTISING or SOLICITING. Do NOT use it to promote your business, ventures, or anything you may have an interest in. Anything that looks remotely like advertising or soliciting will be removed. Begging/asking (including tipping) for cryptocurrencies or asking for money/capital is also strictly forbidden.
>>

Check the catalog before posting a new thread!

Reply to existing threads about a topic instead of starting a new one. Mods will delete obvious duplicate threads and spam without notice.


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TQQQ edition

>Educational sites:
https://www.investopedia.com

>Financial TV Streams:
https://www.newslive.com/american/cnbc.html
https://www.livestreamy.net/bloomberg/

>Charts:
https://www.tradingview.com
https://www.finscreener.com
https://www.portfoliovisualizer.com

>Screeners:

Comment too long. Click here to view the full text.
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>>
>>62498528
>I also don't vibe with nietzsche btw.
Why?
>>62498538
Based
>>
>>62498577
5/10
>>
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KEVIN WHAT THE FUCK
I'M LOSING MY SHIRT HERE
I'M LOSING MY PANTS
I'M LOSING MY LIL UNDIES
FIX THIS NOW
>>
>>62498619
DEEP DISCOUNTS

DEEP
DISCOUNTS
>>
>>62498512
>>62498582
Sure would be a shame if somebody....just walked away from the screen lmao nigga just close your eyes

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>only match Asian, Latina, and black women on dating apps despite being white
>balding

….its over isn’t it?
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>>
Yes, it's over. Once you hit a certain age, it varies a little bit from country to country, there are only leftovers. And being "mature" is a concept foreign to women. You often realise that they are so damaged that their behaviour is worse than the behaviour of a 22 year old girl. But it is what it is. Not everybody can have a perfect life and marry their highschool sweetheart.

We have to deal with the real world.
>>
>>62498079
Yeah for anything long term
>>
>>62498380
Correction, they're all gold digging whores, the church girl is either fat or just waiting for more gold to whore herself out.
>>
>>62497831
Thats the Targaryen Hightower faggot from the end of the last episode. I hope he’s killed and it’s painful.
>>
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>>62497831
>asians match me abloo bloo
Nigga you gay

I don't even care anymore
Here's your fries sir
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>>
>>62495526

>white people return to work
>quality of companies improve

its a natural cycle
>>
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It's honestly unreal how checked out everyone is. At least everyone is nice in a downtrodden dejected way instead of malicious.
>>
>>62492492
A fellow Link marine? Keep holding my friend. Sergey will not betray us.
>>
>>62498594
Hope is a prison. Hopelessness sets you free.
>>
>>62498615
Oh shit what up Tyler Durden.

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>Mcdonalds rejected my job application because I can't speak spanish

WHAT THE HELL AM I SUPPOSED TO DO???? If even mcdonalds isnt hiring what is there? This economy is impossible!
>>
>>62498631
Time to learn Spanish whyte boi

>never owned a credit card
>have only ever used my bank of America debit card for past 11 years
>have never taken out a loan
>paid for my used car in full
>saving to buy a rural small house or land to dwell on for the rest of my life
>my coworker says nobody would ever let me buy land or a small house with non-existent credit, even though I plan on paying it all up front
is this true?
I'm very financially illiterate.
>>
>>62498592
if you have a history of making rent payments, etc. that helps. but yeah they want to see you with credit available and good credit history if you apply for a loan
>>
>>62498592
if you have the cash of course they would sell
>>
>>62498610
>>62498611
oh yea if you have cash it's fine, credit score doesn't mean shit then.
>>
>>62498592
>even though I plan on paying it all up front
Your coworker is mentally blocking out this part because the idea of not going into debt to buy things is so alien to him.
>>
>>62498611
>>62498621
>>62498628
ok nice I hope this conversation comes up again so I can dunk on him with my new found knowledge

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This shit is never coming back up is it
It’s not about the amount but the percentage
Should I say fuck it
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>>
fuuuck
>>
>>62484743
You should say fuckit because you're poor as fuck and when all the poorfags capitulate the market will run back up.

>>62484909
>If this is really the end, judging by how memory acted during the dotcom bubble
"it's the same as the last time"
>>
>>62498506
what makes you think im poor
>>
>>62498530
You're right dude
People who invest 423 bucks and complain that it's down 120 are actually richillionaires
Sorry for doubting you
>>
>>62484743
i bought dram at 79 and sold at 65. thank you for your attention to this matter.

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what would you do if you had 50k cad in discretionary (after essentials funds) a year?

Is waging literally just Hell?
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>>
>>62498360
maybe in the UK or yurop

getting NEETbux in USA is impossible mode
>>
>>62498519
Nigger you glow like a motherfucker
>>
>>62498298
if your manager doesn't know who fucked up, you rmanager fucked up
>>
>>62498503
true
>CEO tells wagies to act a counterproductive way to increase profit
>>
>>62498504
Sure. But that does mean NEETs are the ruling class, in a way.

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I won my NEETbux court case and got $90K of back pay deposited into my bank account. I now get 1700 per month, no taxes.

What should I do with my money? Someone told me I should movie to flyover country like Ohio and buy a fourplex with an FHA mortgage, so I can live in one unit and collect rent from the other three. Note that SSDI has no means testing for income or assets. And I can collect it outside the country.

Thoughts?
>hardmode: no crypto
8 replies omitted. Click here to view.
>>
>>62498522
Serious question, if you're well-versed in the law, and I assume you possess above average intelligence, why do you collect welfare?
>>
>>62498533
>why does someone who is determined to be disabled collect disability insurance benefits?
It’s a mystery.
>>
>>62498533
He basically came here for attention.
>>
>>62498458
how did u do it? I think i have a good chance since ive been admitted over 5 times to psych wards.. i lost my last job due to mental illness literally went insane and said some shit to my boss which probably made him hate me
>>
>>62498458
>>62498484
>>62498508
>>62498522
>>62498537
You can't get "back pay" unless you have a job that you worked and didn't get paid for. The only part of this story that is true is that you are a NEET.

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Im putting together a team
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>>
Bot thread
>>
>>62492831
>>62493305
>>62493458
I hope FX fighter kurumi-chan is just like this but with the girls killing themselves after massive losses.
>>
>>62492831
these are men
>>
>>62495512
thats even hotter
>>
>>62492831
https://fixvx.com/quxiaoyin/status/2078549701364973876
chinese or japanese

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>>
>ID: CWCK
>>
>>62498354
You are right, Satoshi Nakamoto > Sergey Nazarov.
>>
>>62498354
he did not succeed, chainlink is fully permissioned and is essentially just an agent of centralized exchanges. there are no "cryptographic rails" when prices come from centralized APIs and all "tokenization" is just someone with a vault claiming it contains gold and the oracle nodes just dutifully take their word for it

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How much Polkadot does Poki own
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>>
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>>62498215
>all those creases on the bottom of her feet
>>
Trans? Those are massive feet for a woman
>>
>>62498215
I want to stake my $EED on her feet
>>
>>62498215
I've heard that she is all in on Polkadot.
>>
>>62498520
retard, do you not comprehend what you're seeing

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>renting my 2 bedroom apartment will cost $1.2 million over 30 years
>buying the cheapest house in my area ($400k) will cost $2.9 million over 30 years
Why did they make it a dumb financial decision to buy a home?
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>>
>>62486529
I am paying the same price since 2018. Fully furnished.
>>
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>>62483394
>22% tax rate
>>
Renting is for poor people.
Also, no one wants to buy a house that costs less than 1m.
A house less than 1m in usa is in a ghetto shithole.
>>
>>62483394
Where the fuck are you renting a 3bed/2bath unit for 1.1k/month, because that's what you'd get for 400k in any sane place, and anywhere outside of that, rent is 3k/month minimum for a studio. Don't tell me your argument is actually
>living in a 1bed/1bath is cheaper than living in a 3bed/2bath
is it?
>>
>>62498156
I already told him that rent is 2k minimum on a 400k house.

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What's the difference between a gambler and an investor?
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>>
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>>62497378
An investor is a rich boomerfag with rich parents and that was born in one of the country's most economical prosperous timeline to acquire assets and wealth

A gambler is a degenerate poorfag who thinks his last $20 in penisbutt will help him get 7 figures
>>
>>62497454
I'm inclined to agree, but that leaves the question, do we know any investors with low risk aversion? and would we call them gamblers.
Michael Burry was pretty much all in on one contrarian trade, the Gamestop guy was also deep into one trade and used OTM call options.
Not sure i would call either of those gamblers..

I think you have to add an element of data, what is the data that support your investment thesis.
So it comes out on a spectrum, on the investing end of the spectrum you have concrete and hard information etc. EBITDA, one the other you have weak information etc. saw the rise of meme coins and believed something like Shiba Inu fit the bill for a meme coin.
>>
>>62497378
investing has a positive expected return and realized through a qualified understanding of statistics
gambling is everything else and done with gut feelings, maybe with a amateur use of math to fool one's self
>>
>>62498273
I agree completely. I stand by my point though that you can take any risk you want, and as long as it involves purchasing a liability, it's not gambling.
But as soon as you take even 1% chance of failure to purchase an ASSET? That's gambling.
>>
>>62498479
you can invest in bonds, or put your money in a bank CD

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Which RH chain ticker should we all pile into, what is the chosen one?
>>
>>62498600
SPY, QQQ, SCHD
/thread

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Previous: >>62445417

>Buy XRP on:
Coinbase, Binance, Bitrue, Uphold, Robinhood, Kraken, Kucoin, etc

>Why hold XRP?
https://youtu.be/5urrOWO0KDI
>Newfag Tutorial:
https://youtu.be/23Yn5GdYpJc

>XRPL Guide:
https://xrpl.guide
>XRPL Explorer:
https://bithomp.com
>XRPL Richlist:

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>>
>>62497371
Just be hElLa SaD today. Why wait?
>>
>>62497646
We’re just stuck waiting again, a time to stack more if you got the cash. It’s not the half a decade long wait with sec vs Ripple, at least, but it’s a wait that didn’t need to happen if congress passed Clarity Act in a timely manner. It’s one of many reasons why I hate them.
>>
>>62487552
>where can I stake it?
You have to bridge it to FXRP and then go to Firelight to turn it to stXRP.
>>
>>62498471
How good is your yield?
>>
>>62498545
I'm out around town atm so my ID will probably change but I have it in Spectra. The yeild for each vault varies but it locks in at a fixed rate when you enter. I locked my XRP APY around 4% and my sFLR APY around 10%. Then since you're on Firelight via stXRP you're also earning Firelight points for when the phase two yeild goes live (ETA Q4 but will probably get delayed because they've delayed the previous roll outs).

Solo dev — no team, no VC. Got sick of backtesters that assume the friendliest fill inside every candle, so I built my own engine. Most of the build was a war with my own overfitting.

What it does: breeds crypto perp strategies on real futures history, kills them at four gates (walk-forward, out-of-sample, robustness, monte-carlo), freezes survivors into cards — then grades them every day on candles they've never seen. Fees, slippage and funding charged on every fill. It publishes signals; it never touches an exchange or anyone's funds. I judge strategies, I don't execute them.

Weak points before you find them:
- live records are young — weeks, not months, and trade counts are still small
- engine internals are closed. call it a black box, fair. the counter is the public record, red days included
- a strategy that breaks its own backtest's promise gets retired — pulled from the shop, its final record frozen on the card

Free, no sign-up, 3 backtest runs a day: coin.getchartlab.com

Tell me why the numbers are garbage. Not financial advice, obviously.
>>
>>62498598
I have no idea what you just said.

I think I'll stick to DCAing index funds.

Saged.
>>
>>62498598
ai totally didnt write this post

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What is the most retarded thing you've ever spent money on?
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>>
>>62498188
>>62498183
Looks dope dude
>>
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>>62498448
Thank you and bless you frend

>>62498335
I think it's just the angle, in real life it's a little more flat
>>
>>62498196
What kind of racecar?
>>
a car. I learned to drive late in life because I didn't have money for a car early, and now I don't really need it but I have no use for it. plus I already crashed it. only good thing about this whole mess is that I didn't buy it new.
>>
>>62498543
Thunder roadster
Basically a giant gokart with a Hayabusa motorcycle engine

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I'll start

>spent $20,000 on gacha games in 2020 instead of buying Bitcoin at $3000
>didn't sell at $700k portfolio peak in 2022 or $400k peak in 2025
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>>
>>62498035
>>62498085
I'm not in the business of gambling at casino stock exchange because I don't need to; I'm a full-time CPA and part-time occultist.

Try joining a society.
>>
>went heavily into DEFI during the DEFI summer of 2020, had over 800 ETH at one point, didn't sell the pump
>despite this mistake I still hit a portfolio ATH of 1.5 mil in 2021, didn't sell
>in 2025 by portfolio reached a high of 900k, didn't sell
>portfolio is now worth 400k

my family and friends have no idea I fumbled generational wealth. I think about it every day, and I find it extremely difficult to work for a living.
>>
>>62498422
Did the cult get you the CPA job?
>>
>>62474390
>set aside 50k I had saved up into a long term low yield CD when I first opened up my investing because I was afraid of losing everything in an actively managed, relatively safe portfolio
>quit investing after daytrading on a different account and losing like 50 bucks (one of those stocks was worth 10x today)
>sold all my assets at a loss when switching from Webull to a different app instead of migrating portfolios
>massage addiction in very early 20s
>a lot of money into drinking
>only investing $75 per month for 5 years
>>
>>62498585
Oh and one more
>sold SOXS right before it went up literally 1000% 5 days later


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