So I plan to move out of my parents' house one way or another within the year.
Problem is I live in Montgomery County, Maryland where housing isn't cheap. Lucky to find a shitty studio/1br for $900 monthly rent. I refuse have any roommates, even though it means a cheaper expense. It's not worth it in my mind.
I have a daily commute to Northern VA where I work, and I refuse to live in the state of Virginia. Northern VA is even more expensive anyway.
So basically my options for rent here in MD are >not a shithole Comment too long. Click here to view the full text.
a kike owns your house for the next 30 years, but thats mostly it personally id just buy a condo in dc proper, their property tax rate is basically nothing, and you don't need to pay a tax on personal property like virginia
The negative rate is on excess reserves held at the central bank. This is an attempt to increase the opportunity cost of holding excess reserves so as to discourage financial institutions from doing so.
>>1066619 I'm assuming a bachelors. You'll most likely have to start out as a test or support engineer. Depending on the cost of living you'll make about 50k/yr. When you start out you don't know a lot of things like build systems, version control, test planning, and so on. As you become more skilled and knowledgeable you'll be able to negotiate higher salaries. Companies typically don't offer raises unless you ask, but you won't be in a position to ask until two or three years.
I've been playing around with fundamental analysis in Python like many people here do. The problem is that I can only find modules that have access to limited fundamentals.
For instance, I can't access things like payout ratios and debt. I'd attempt it manually with Yahoo Finance, but the tags people use to access that stuff don't even exist for payout ratios and debt. The last option seems to be to manually parse some finance/screener site for these additional values, which seems pretty annoying given how these sites change every so often.
I... Comment too long. Click here to view the full text.
Stop buying shitty penny stocks and put your little Robinhood NEETcoins in ADS (Alliance Data). Now is an outstanding opportunity to buy an excellent growing company for a big discount. I have a BBA in finance from a top school and have been successfully trading for 5+ years. More ideas to come...
I'm in the process of buying a car and the dealer is offering me financiation (loan).
They all tell me its a better idea than paying straight cash (that I should be investing my actual money somewhere). I've also offered to put down like 50% of the value and then finance the rest but the guy at the dealership told me this is a bad idea and I'll end up paying more interest than if I just financed it all. Are they trying to fuck me over?
>TL;DR: is it better to finance or to pay cash for a car under 10k?
Above is a link to a web based portfolio rebalancer that I originally just wrote for myself. I got tired of looking up quotes and punching numbers into a calculator manually, so I wrote a little app that speeds things up considerably.
All you have to do is punch in the symbols of your holdings and the number of shares that you own. Stasis (that's what I'm calling this thing) will get live-ish (20 min delay) quotes from Yahoo Finance. Then, you will need to enter the target allocation percentage for each holding. Finally, you can opt to enter the dollar amount of new contributions that you will be making. Hit 'calculate', and Stasis will give you number of shares you need to buy/sell of each holding to reach target allocation in the 'difference' column of the table.
Vanguard allows you to export your holding information as a CSV. So, I made it so that you can import this holding information directly into Stasis. All you have to enter is a target allocation percentage for each holding before calculation. Stasis can also import VMMXX (Vanguard Prime Money Market fund) holdings as a new cash contribution or as its own holding.
The project's source is located on Github: https://github.com/jf-rce/Stasis
Hopefully some of you can make use of this thing. If you have any suggestions/requests, please feel free to post an issue on the Github repo. Cheers m8s
Where do you draw the line between investing and gambling? Are speculators truly "investors?" I would consider myself mostlyba conservative investor. I like bonds and ETF's, I even understand using options as leverage in a market sector you have expertise and know trends in. But I don't understand how anyone who claims to be prudent with money could think it's a good idea to short options on futures, sell naked calls or toss their money into things like weather derivatives.
>>1066437 >Are speculators truly "investors?" Sort of but not really.
Also "investing" in already established enterprises by purchasing shares off another shareholder is hardly investing, really. Anything that doesn't directly give your chosen enterprise some more funds/resources to play with is automatically not real investment imo.
>>1066462 I think the word "investing" has the connotation of any situation where you temporarily make your money less liquid for the chance of having more liquid money in the future. In a literal sense, you're probably right.
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