Thread 60853082

>Educational sites:
https://www.investopedia.com/
https://www.khanacademy.org/economics-finance-domain

>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:
https://finviz.com/
https://etfdb.com/

>Gambling
https://www.optionsplaybook.com/options-introduction/
https://www.optionsprofitcalculator.com
https://optionstrat.com/
https://www.optionistics.com/quotes/option-prices

>Pre-Market and Live data:
https://www.investing.com/indices/indices-futures
https://finance.yahoo.com/

>Calendars
https://www.marketwatch.com/economy-politics/calendar
https://www.earningswhispers.com/calendar
https://www.cmegroup.com/trading/interest-rates/countdown-to-fomc.html

>Boomer Investing 101:
https://www.bogleheads.org/wiki/Getting_started
https://www.sec.gov/search-filings

>Misc smg:
https://www.financialjuice.com/home
https://finance.yahoo.com/trending-tickers
https://market24hclock.com/
https://www.dividendchannel.com/drip-returns-calculator
https://brokerchooser.com/
https://www.chathamfinancial.com/technology/us-market-rates
https://www.mortgagenewsdaily.com/data/building-permits

Previous: >>60851331

buying UVIX now gives off the same energy as buying SOXL early April. remember how the SOXL junkies were laughed at when it went to single digits?

Hands up

Please God strike down this nigga (Nvidia) so a faithful follower (white man) can afford a house without a mortgage

Any SPY 0DTEchads here? What’s the play for tomorrow? It’ll probably be very flat tomorrow because of NVIDIA anticipation

>>60853088
Cause in legalese usually means the person cannot perform their duty so they must be removed with "just cause" because something is preventing them

If fed cook had cancer and literally failed to go to work as often as she could, that'd be a just cause as she can fulfill her duties

Accusing her of a crime she hasn't even been charged yet via twitter is not a cause. She will get an indefinite injunction until the Supreme Court probably says the firing is illegal

it's actually amazing how so many dystopian surveillance points were being put up during the ai dashcams interview but i was happy to hear all of it since i was going to get rich off it

how does /smg/ define a a pump and dump?

>>60853104
probably calls but i want to stay the fuck out.
if doing 0dte just do SPX directly and perhaps set a limit sell. I’ve made $60 two days in a row from swinging SPX puts

>KSS
WTFWT

>UnitedHealth Ongoing Criminal Probe Is Broader Than Medicare; DOJ Probe Also Scrutinizing Optum Rx, Doctor Payments
Ruh roh

>>60853111
ticker: MLGO, march to may of this year

>>60853093
>uvix
This is the first time I've seen a graph with a negative square root function outside of mathematics, lmao

These are the 5 stocks I bought based off my "new" strategy a couple weeks ago
3 of of them are beating SPY, 2 are not

So is the US economy and the world economy actually going to fucking die 1929 style? I haven't been keeping up out of cope but that noose is calling to me hahahahhahahahaha

>>60853119
I sold UNH for a 20% gain weeks ago and it's the first time I've ever timed things properly.

>rule says your car shouldn't cost more than 50% your annual income
>make just under 50,000€
>more than just about anyone I know
>barely allows me to buy a new small car, not even a Toyota Corolla which starts at 28k
>regularly see 35-45k cars on the road
So what's the trick?

Buying a 25k car would basically mean I do not invest at all next year since that's how much I put aside in my portfolio every year.

WTFWT?

>>60853119
Nice, means I can slurp more.

UHH WTFWTFTWTF?

>>60853137
buy used, moron

>>60853105
Right, this SCOTUS is extremely likely to say it would be illegal, considering they already went out of their way to say that the Fed was special.

>>60853147
That's my plan, sell my shitbox for around 4k and buy a 5 year old corolla for about 16k
Will only put me back around 12k so I can still invest another 12

Sweet sweet end of day pump
#blessed

>>60853147
>buy used
Enjoy sitting in seats that have been cummed and pissed on multiple times.

>>60853137
Do americans actually spend their entire income on cars?
Mine was $6k and I've had it for 10 years

BVLL FUGGING SURGE NIQQAS

>>60853162
Stop drinking water

I hate this faggot clown so much.

>>60853165
Used car markets been fucked for years

>>60853158
I don't know how I do it,
but every time I close a position,
the underlying starts rallying.

Sold too early fuck my life.

>>60853153
I’m not convinced they wouldn’t fold like paper once Trump tweets a few mean words their way

>>60853171
The used car market in the US is busted really bad, to the point where in a lot of situations it's more economical to buy new just because you really don't lose out on that much and you get a much better warranty.

>>60853082 (OP)
Thank you for baking.

DING DING DING DING DING

How did it go today?!?!

>>60853179
Yeah thanks to obama that commie fuck.

>>60853189
Today: +0.41%
This Week: +0.18%
This Month: +7.99%
This Year: -33.49%

Alright I guess, slurped some more SOXL but held back by MSFT shitting the bed, though could have been worse... wtfwt at the end?

NEGGers on suicide watch this week.

>>60853124
I missed that one. That must have been a hard fall for the baggies.

>>60853162
all new cars are goycages with built in killswitches so glowniggers can assassinate you by cutting your brakes
>but you aren't important enough to kill, goy
it's the principle that matters. i will never drive the goymobile, i will sooner take public transport than find myself behind the wheel of the goymobile

>>60853082 (OP)
>trump buying a stake in intel
>trump wanting to buy stakes in war companies
>trump saving boeing's shitty ass
we are definitely not communist or anything

>>60853189
+2.31%
>>60853179
This, I bought new because the prices for used vehicles were absolutely fucking retarded. Just not worth it.

>>60853189
-0.01%

>>60853189
+13.06%

>>60853212
its not communist its capitalism with American characteristics

>>60853212
China proved that communism was actually the best system for boosting GDP

>>60853111
>MLGO march to may
>+1200% over 1 week
>-85% over 1 month

ok that seems like a reasonable metric to use. but that wasn't MLGO's debut pump and dump.. looking back it was over 400k/sh in december 2022. wtf?

>>60853189
About +0.14%, I'll take it

>>60853212
This is just war economy

>>60853134
Nice job, anon.
>>60853189
+0.16
Coul have been worse.

>>60853189
Up 0.54%

>>60853189
+1.28
Sentiment seems to have genuinely flipped positive on TSLA. PLTR recovering, though still 30 dollars away from just a couple weeks ago.
Semis and quantum all moved up. NVDA better give us something nice tomorrow.

>>60853197
+2%
sold my SPY put at a good time and flipped an SPX put this morning

>>60853189
+1.29%
One last minute trade made me today. Thank you gains Apu

>>60853111
Your mother

>>60853178
Roberts is a literal cuck with an ego who doesn't exactly see Trump in a fond light despite being an annoying conservative
Uncle Ruckus and Gorsuch are fucking useless and exist to be contrarian retards who lick Trumps ass

>>60853189
+0.4%

>>60853119
just bought UNH 297p

>>60853189
Fucking schizo market today... was up 5% and lost 2.6% in the choppiness. At least it's not a losing day.

>>60853189
+0.05% HELL YEA

vix is going into the toilet. it literally cannot go that much lower. if there’s a fucking massive move either direction, VIX could actually go upwards because of how damn low VIX is

>>60853189
>+2.5%
I am going to make it

Mongo retards were rewarded.

lmao UNH just touched 297, its gonna be a bloodbath tomorrow

>>60853197
>>60853237
>>60853242
>>60853246
>>60853275
>>60853289
brutally mogged by >>60853205 & >>60853227

>>60853189
+$531
Not bad for a day sitting on my ass

What does /smg/ think of GO?

RocketLab bros, I'm feeling it. Gonna be a great year, getting ready for lift off

Anyone else smell a dump coming?

>>60853116
I’m thinking a no trade day but might do a cheeky scalp near the money for a quick buck.

>>60853328
Nah I just flushed it

>>60853328
Yes.

>>60853328
Yes, a very stinky, smelly dump.

>>60853310
Profit is profit, man. WAGMI

>>60853111
HGRAF

>>60853310
hey no gain-shaming

>>60853333
>digits
Uh oh

>>60853126
which ones are winning

>>60853328
this is bullish

>>60853341
Yeah, I don’t like that shit. I don’t like the bobo vs mumu LARPing either. I want everyone to succeed, get rich, and create racist anon accounts on twitter to farm engagement

>>60853344
top to bottom: AFL, CNMD, BAH

>>60853328
also

short incels about to have a field day

>>60853310
>caring about % posters

>>60853371
Actual dollar value should be kept to oneself. Don’t be act nigger rich

>>60853082 (OP)
when will the motherfucking small caps pump? they are annoying me so fucking much ever since the tariff nonsense started. and to think that russell was doing so well, almost fixed itself in december.

>>60853371
bluechipcucks and their 1% up per year cope lmao

>>60853337
You're NGMI with 0.01% per day

>>60853341
lol

>>60853354
>I want everyone to succeed
trading is a zero-sum game tho

>>60853371
I was being facetious, no way those massive gains are sustainable. Slow & steady wins the race (but not too slow though)

>>60853371
Say that to my fucking face

>>60853147
>save like $5k buying a 2023 civic that already has 50k miles on it
no thanks just buy new
dont buy extended warranty dont buy scam rustproofing dont buy overpriced ceramic coating whatever (not against this but dont get it at a dealership)

well maybe leaf cucks just have a really shitty used car market dunno bout everyone else, even before used cars prices became stupid, 99% of the used cars out there were rusted pieces of shit

>>60853370
Explain this to me like I'm /biz/ years old.

>>60853381
you have to be picky man, a lot of smallcaps are mooning but you cant buy an index of smallcaps because there are too many garbage share diluting companies out there

i was about to buy AEHR and it's up almost 2x since early July since i started talking about it here but I DIDNT BUY coz i didnt have my cash ready yet lmao
at least my the majority 2nd rate picks are up +5% i guess. I also forgot to buy INFU that's up a lot in just a month

i guess GKPRF is starting wake up again after crabbing for awhile

>>60853397
it doesnt matter lol, when smg was gme general that shit didnt matter
the main thing that actually mattered for a short squeeze is just straight up pumping off catalysts

just remember to get out before the dump duh

>>60853388
you made a hundred bucks?

I buy stocks only if the ceo look like a autist with downs
RKLB

>>60853409
I got no horse in the race but I'm following because I expected it to drop by half today. I was shocked that it didn't.

>>60853328
That was just the SBD that slipped out while I was peeing earlier, sorry about that. I think it was because I ate tuna last night.

>>60853417
i'm looking forward to the Anduril IPO too

>>60853419
blue sky mania cant be predicted, i woudlnt bother be shorting it and if you're buying this sort of stocks you kinda have to expect that your potential downside is basically -90%

Cielo waste is prob the closest comparison to the mania happening to HGRAF, but since they neverr executed on getting actual revenue from all the blue sky potential hype, they just bled down -99% since 2021

imo it's better to chase plays where you can 2x or 3x your money but your downside is realistically only limited to -30% at most since there's an actual underlying business to the stock with actual assets, for the same reason someone who holds rental real estate is prob not gonna worry about their (insured) house going to $0 or even -50% (usually)

>>60853444
Checked.
>Cielo waste management
That's the one. I wonder how Big Don is doing these days.

>>60853388
Similar balances hide behind every % poster

>>60853388
lmao

>>60853463
Lmao man that shit was fun
Remember the guy shilling mutant fish? AQB, I think the ticker was.

Is this a good time to become a NEGGer?

>>60853432
speakin of IPOs, bullish and figma were great free money opportunities
anyone familiar with any other upcoming IPOs with similar trajectory

>>60853333

Its joever

>>60853489

No but it is a great time to become a niGRRR

>>60853474
Yes! Someone mentioned it yesterday. I sat that one out but it was a shit show. WISH was another, although it wasn't a pnd—just really shitty chink garbage.

>>60853333
witnessed

>>60853189
1.52%
Usually I do worse than most anons here. Good to see I've done well today.

>>60853117
KSS KSS fall (in love)

henlo mister jerome
please release the snyder rate cut
my body is ready
thank you mister jerome

REE chads! The rocket just doesn’t stop!

I’m balls deep in UUUU and UURAF and having a steak dinner tonight.

Who else is eating well?

im back over CAD$600k bros i was getting really worried id have to go back under CAD$500K
easy come easy go after all

anyone planning on shorting Lululemon through earnings?

>losing share to competitors
>Chinese business is also decelerating, despite the positive macro in China; this is a big negative as China has been one of their only tailwinds
>fashion trends are shifting back to loose pants instead of tight pants
>think the quarter is going to be very bearish and the company is going to take down numbers by a lot

who exactly would be bullish on LULU right now?

>>60853310
shut up nigger, stupid nigger, shutu p

>>60853386
>trading is a zero-sum game tho
lol no it's not you fucking retard.

$SNOW bros, we ready for tomorrows earnings?
AH Pump right now to $200+

>>60853681
>who exactly would be bullish on LULU right now?
Pain trade is up on LULU, screen cap this.

>>60853137
>Rule says your house shouldn't cost 2.5x times your yearly income
>Redfin says there are no homes less than $225,000 anywhere near me
I think these rules might be dated

The deeper I look into the graphene scam, the more compelling it becomes. 20% odds of success? I'll roll those dice.

>>60853737
>Filter: Unique ID

>>60853681
on google trends, they have been trending higher for years and there's a big bump this year in particular. i don't think they are losing any popularity.

>>60853737
>20% odds of success?
How did you get 20%, and how do you define success. How many years ago he developed this technology, which is very simple, how long to develop typical bomb pressure vessel, why so long to start making product given its so simple and the input chems are cheap and readily available? He could not use one pressure vessel and produce a few tons annually and generate revenue, its that complicated?

>>60853748
>big bump this year in particular
that looks to just be a normal seasonal bump that occurs around the thanksgiving - christmas time

>>60853788
i'm talking about this bump.

>>60853737
It certainly is compelling but so are accidents involving strangers. I don't think this guy has anything to sell.

I’m slurping FBTC. What am I in for in 5-10 years?

kevin is a misunderstood genius
his time will come and so will i

>>60853851
How does 5 million doll hairs sound

Should I swing trade the hgraf scam?
>>60853854
Bretty gud

SOXL
yes

uh, should I be investing more in ibm?

>>60853922
which one of you did this?

guys i won champions meet

I need to come up with about $8k in realized stock market gains by Christmas or else my family won't love me anymore (if they ever did)

People who say “do your own research” don’t know shit

>more tariffs and fed firing
>close green, undo any losses
this is what I was going on about, by the way. Every single nano-dump is slurped to ATH. Bearish news hits and the market climbs higher. Every single time.
>Tariffs
higher
>hot PPI
higher
>destroying the fed
higher
>unemployment revisions
higher

every. single. time. it just pumps, on the same day.

>>60853956
i only buy stocks recommended by jim cramer

>>60853189
+1.5%

>>60853104
NVDA +1.3% during trading hours tomorrow, beats on EPS, then crabs to -0.7% on some random china margins worry during Q&A

>>60853981
Someone will namedrop Steve's documentary and NVDA will plummet

>>60853981
>>60853996
we literally going hypernova AH. SPY 7000.

>>60853956
Beauty is in the eyes of the beholder.
It takes 5 seconds to make an assessment. Nobody can tell you if you’ll think she’s smoking hot. You have to decide for yourself. Easiest dyor on the market rn. Don’t be a lazy faggot.

>>60853189
+0.2% crabbin

>>60853962
Take the doombull pill, I have bpd but my personas are doombull and bloombull

>>60853137
People pay in instalments, sometimes for many years.
In my household we only have used cars and the most expensive one cost 6000€. It's a bit of a bet but you can usually tell if a car was well looked after in a few minutes. Worse case scenario you can patch it up and resell it to break even or even make a bit of a profit.

>>60853165
yea living beyond your means with inescapable debt is sort of the way of life here

>>60853967
>i only buy stocks recommended by jim cramer

hmm, i wonder how this stock recommendation panned out?
>oh

>>60853981
Chyna has already been priced in they already fuded about dead production lines and government blocks weeks ago

>>60854063
another gem

>>60854063
>>60854069
how many HGRAF shares are you short?

>>60853953
Satan rally incoming

wtf why does my stock keep going up and down

>>60853953
go long on toys and reindeers, old boy

So what’s /biz/ consensus on HGRAF?

Good news for everyone who bought CBRL I guess

>>60853953

Ashtead Technology

GAMB

>>60854091
best investment i've made in my life. it literally only has room to grow

>>60854091
inorganic shilling

no ones actually buying them other than 2 anons who posted screenshot of their position
prove me wrong go ahead

>>60854091
A scam. I'm long 1k shares

>>60854091
https://www.youtube.com/watch?v=oLxQI8RCXjc

>>60854099
I don’t believe you

>>60853953
*ahem* I think you mean $8k + tariffs + tip anon.

>>60853953
Buy 12/31 QQQ $590 strike calls

>>60854091
>canadian
>Net profit margin -4,768.71%
who buys these fucking things?

>>60854107
This guy looks super jewey. Very sus

>>60854091
strong buy, no lie

>>60854124
>why does this pre-revenue tech company have no revenue????

>>60854139
everything is a tech company now

everything's mooning after hours.

>>60853489
A lot of people are shorting it right now, though the cost to maintain a short is disgustingly expensive. If it can get traction, it could go back.

>>60854155
Most of my stuff is too. And to think there were people who thought this was going to be a red week.

>>60854174

Silly mumu, so easily trapped by a bit of after hours green.

>>60853962
T_S
What letter goes in the blank spot?
>Am I so out of touch?
>No, it's reality that is wrong

>>60854091
textbook pump and dump. if they had groundbreaking technology, a materials company would have bought them out, you know or had a single institutional stake in the company.

Green for launch
T- 7
https://www.youtube.com/live/BtUMt0gsqrs?si=znK_h8R4v6bFWuuC

>>60854201
Is this the launch of the hydrograph stock price?

>reminded myself about Jane Street manipulating Indian options market
>US is 9x more volume than equity, theirs is 422x
Good reminder to have stuff with longer expiration, several weeks.

Also saw on the news:
>people in their 20s and 30s are buying nostalgic toys for escapism, lego and pokemon and collectibles etc
Not news to me but nice it was validated. I have about $10k in MTG sealed that has appreciated nicely this year

Also I have a bunch of materials stocks that are up 15-30% (copper is still weak). Managed to catch the dip on UUUU. My biggest bags right now are WMT and VIX calls. Soon.

>>60854201

Rolling for an explosive mishap.

>>60853093
>buying UVIX now gives off the same energy as buying SOXL early April.
It's because markets are high off the idea of rate cuts. They're so sure of it that they've already locked everything in.

>>60853170
>being jealous of Tom Lee, of Fundstrat Global
lmfao fuckin retard
he's the best bull to ever exist. hes never wrong

>>60854240
Historically, rates rise, crab, then fall, the latter when something breaks

>>60854201
>super heavy lift rocket
Finally, the really exciting shit can go into space now.

>>60854114
It qould have to go to 610 just to break even. Doesnt seem like a great deal

I'm so annoyed by the intel thing. I had it in such a nice spot since it was perfectly crabbing, I could buy the low, wait a month, sell the high and just keep doing it. Now I can't predict it.

>>60854249
If we all pretend it's not broken, is it broken?

>>60854091
I think the science is a scam.

>>60853737
i'll wait until the next earnings report. If this shit is going anywhere at all, it ought to have some decent revenue by then.

>>60854091
do you see how many replies you got? you're the most popular one here. now think about it, would 4chan people waste their time waiting 120 seconds, enter in a captcha to warn you about a scam?
wow 4chan is so nice i should have gone here earlier!

>>60854199
The real hotness in graphene is Cu111 chemical vapor deposition with methane (CH4). Because the deposition is basically one carbon at a time, it makes monolayer graphene very reliably.

>>60854305
>I think the science is a scam.
It's possible but it makes too many byproducts to be viable. Also I'm just really mistrustful of scientific studies that have too many Indians in it.

>>60854091
see >>60854308

>>60854305
Trust it

>>60854308
It's pre-revenue, so earnings will almost certainly be shit. You should be waiting for contract announcements.

>>60854091
There is no consensus. Only hidden motives. Trust your own instincts. Don’t let other anons tell you what a fine piece of ass looks like.

thats what happens when you dont use graphene to build your ship elon mask

hello fecaloids
if you are brown you will never be human

>>60854308
>it ought to have some decent revenue by then.
If they had any potential they would be producing producing product and making money even with just one of their claimed hyperion vessels. Reality is fill the vessel take only a small amount of gas therefore the actual production of graphene is very small. No presentation about how many cycles before they clean it out, which is likely to be time consuming and slow "production"

>John Deere is laying off 238 workers at three factories in Iowa. The company said Tariffs and lower commodity prices are to blame.
>“Tariff costs in the quarter were approximately $200 million, which brings us to roughly $300 million in tariff expense year to date,” said director
https://www.wsj.com/opinion/deere-tariff-costs-farm-belt-jason-smith-donald-trump-josh-beal-f42ea4ab

>>60854363
She didn't say that

>>60854396
>John Deere is laying off 238 workers
Good. That company is fucking the farmers who bought that shit and cant fix it because of the purchase/lease agreement or lack of part and lack of repair techs.

>>60854341
>It's pre-revenue
it shouldn't be by 9/30
>earnings will almost certainly be shit
I not expecting much, just a few million to show that there is someone buying their product and it isn't all smoke and mirrors.

>>60854213
>Rolling for an explosive mishap.

The markets closed.
What do I do now?

>>60854414
>removing the caption

>>60854414
>>60854430
CLEAN IT UP JANNIES

>>60854426
Fart, eat, sleep.

>>60854426
futures are open

>>60854426
>What do I do now?
make new memes and shit post until it opens again.

>>60854396
that company deserved to get fucked over

>>60854430
There were no mishaps, to be clear.

>>60854363
you are racist

>>60854358
>muh blonde bimbo ceo stock

>>60854286
Intel will be nationalised anyways

>>60854452
>you are racist
https://www.youtube.com/watch?v=th4FMmNQpAk
Some more than others.

>>60854209
>people in their 20s and 30s are buying nostalgic toys for escapism, lego and pokemon and collectibles etc
Lego has been pretty open about the fact that their target audience is no longer children
They blame phone addiction amongst gen alpha

I posted on /sci/ asking about the scientific paper for HGRAM.
>>>/sci/16766831

>>60854466
the point is to conciously avoid letting your preconceptions and prejudices affect your actions

>>60854155
It's crabbing actually

>>60854091
failed shill operation
the heavy focus on the mid CEO makes it clear as day

consumer confidence is too strong
manufacturing didn't weaken as expected
expect thursdays speech to be dampen the mood
expect fridays to do inflationary numbers
expect to lose money :3

>>60854078
because market participants are buying and selling it

>>60854477
>EVERYONE'S A LITTLE BIT RACIST, IT'S TRUE
>BUT EVERYONE'S JUST ABOUT AS RACIST, AS (YOU)
>IF WE ALL COULD JUST ADMIT
>THAT WE ARE RACIST, A LITTLE BIT

>>60854504
overcoming biological impulses is what separates as from animals
I would say acting on these impulses is what makes a person racist, not the impulses themselves

>>60853962
tariffs are a nothingburger

>>60853956
you just have to understand the business

>>60853953
you have time

>>60854540
>properly calculate a borrower’s debt-to-income ratio,
anyone using BNPL is broke and major default risk.

>>60854540
shit like klarna?
isn't that too small to affect an individual's debt-to-income ratio?

>>60854475
>>16766925
>this is big and could become huge
HUGE
UGE
GE
E
LOL

>>60854540
anyone who is taking out a loan to buy a cheeseburger should be barred from taking out a mortgage

a youtube video with 600 views made the stock go up $12 million in market cap

https://www.youtube.com/watch?v=R4lFaK3LDJU

>>60854554
if you get 0% interest, it's better than paying outright under every circumstance

>>60854558
we're talking about things that cost less than 10 fucking dollars here
distributing 10 dollars over multiple monthly installments is retarded

>>60854564
If you do that 30 times, you just invested $300 in SOXL.

>>60854406

she's my wife
she does say that because i've taught her well
brownoids are not human

>>60854475
/sci/ is to science what /biz/ is to business

>>60854549
>There is no predefined spending limit when using Klarna.
>Instead, a new automated approval decision about how much you can spend with us is made each time you pay with Klarna.
https://www.klarna.com/us/customer-service/how-much-am-i-eligible-to-spend/
Seems the better the credit/higher income the debt can grow pretty big. Also there are BNPL options all over the place these days. Retarded consumers are likely pushing big debt loads.
>BNPL Tracker: 41% of Users Late in Past Year, More Using Loans for Groceries
>More than 4 in 10 (41%) users of buy now, pay later (BNPL) loans say they paid late on one of them in the past year, up from 34% just a year ago, according to a LendingTree survey.
>Nearly 1 in 4 BNPL users (23%) say they’ve had three or more active BNPL loans at one time. High-income people are the most likely income bracket to say so. Additionally, Gen Zers and millennials are twice as likely as baby boomers to say so.
>More than 6 in 10 BNPL users (62%) incorrectly believe that making on-time payments on BNPL loans helps their credit score. Only 13% say they don’t help your credit score, which is correct (for now), while 26% aren’t sure. Men and high-income earners are among the most likely to believe this falsehood. Younger Americans are more likely to think it than their older counterparts, but even 54% of boomers do.
https://www.lendingtree.com/personal/buy-now-pay-later-loan-statistics/

>>60854528
but do i have the will?

>>60854554
>Two-thirds of BNPL users say they’d consider using it for food delivery, and many are putting their money where their mouth is. DoorDash and BNPL giant Klarna announced a partnership that allows customers to pay for DoorDash deliveries using BNPL. However, we found that 16% of BNPL users say they’ve already used BNPL for restaurant food delivery or takeout.
https://www.lendingtree.com/personal/buy-now-pay-later-loan-statistics/

>>60854577
Isn't this some of the worst debt in history? I've heard Klarna has terrible finances because it turns out the sort of person who would finance a candy bar isn't usually "good for it."

>>60854584
do you care about what your family thinks of you?

>>60854588
Nearly 1 in 4 BNPL users (23%) say they’ve had three or more active BNPL loans at one time. High-income people are the most likely income bracket to say so
Are high-income people less likely to pay debts?

>>60853953
Buy kneepads

>>60854599
High income people aren't more financially literate than poor people, they just have more disposable income.
They do the same but at a higher scale.

>>60854599
Have you ever seen Caleb Hammer on youtube? His high-income guests usually have even worse debt than the poor ones.

>>60854588
picrel
>>60854599
>Are high-income people less likely to pay debts?
I think I read once high income persons pay a lot of debt late statistically.

>>60854610
Paying late is good for the debt owners though, as long as they pay.

>>60854508
it's also what proves darkies are animals

>>60854577
>Retarded consumers are likely pushing big debt loads.
I question the sentience of the average normie when I see stuff like this. Even animals understand deficit and struggle their entire lives to avoid it.

>>60854572
there are actual scientists on that board, no one here knows anything about business

>>60854619
>Paying late is good for the debt owners though, as long as they pay.
Reminds me that the Medicis got around the rules about usury by charging huge late fees. There was an understanding that you would always pay back the loan late so you'd have to pay a fee, and if you paid it on time you'd get blacklisted from all the banks in Europe.

>>60854577
>BNPL Tracker: 41% of Users Late in Past Year, More Using Loans for Groceries
picrel
Consumers Are Financing Their Groceries. What Does It Say About the Economy?
>Tia Hodge with her husband, Jason, and their daughter Nevaeh at their home in Austell, Ga. Mrs. Hodge uses a “buy now, pay later” service to help cover the cost of groceries.
https://www.nytimes.com/2025/06/02/business/buy-now-pay-later-groceries.html

>>60854627
we know line goes up thats all that matters

>>60854627
biz isn't actually about business, it's about financial markets (all of them, commodities, equities, derivatives, crypto,...)
gambling is our actual area of expertise

>>60854635
>all of them
even trading cards?

>>60854634
see this guy gets it

>>60854638
yes
not me personally but someone here does

>>60854608
you might be surprised to find out that people like mark zuckerberg or bill gates have more debt than small countries. does that make them financially illiterate?

>>60854645
Zuckerberg and Gates have business loans. The people on Caleb Hammer's show have credit card debt. Surely you can understand the difference.

>>60854577
>There is no predefined spending limit when using Klarna.

>>60854645
the structure of the debt matters
not all debt is equal

>>60854553
>16766925
Meant to post >>>/sci/16766925

>>60854649
top kek

>>60854635
>gambling is our actual area of expertise
Shit nigga, then where's your risk management?

>>60854653
>Well I don't know if that is graphene, which is why testing from an unrelated third party is critical.
this is a valid point for anything

dont just blindly trust what the CEO or company says, you need third party independent sources, ideally industry experts but just being able to name multiple customers is also big
like if your ai solution has Microsoft, Walmart, Ford and Spotify etc as customers then even if you're not an industry expert on the product, you probably get a good idea that it's an actual product since big customers would have done their own due diligence before spending millions

btw the company that has those customers is

>>60854670
only risk management in smg is being margin called

>>60854670
vibes and intuition
you have to get burned multiple times first though

>>60854670
no need to manage risk when number always go up

every single payment will be klarna'd over 18 months in the future. get in early on the new paradigm. it's the freest money ever.

>>60854685
this is a system that will benefit nobody, not even klarna
i hope the founder has an exit plan because he's going to be ruined if he rides this ship to the end

>>60854685
people are so poor and leveraged they have to take even more leverage to buy candy bars
This BNPL shit is such a top signal yet you just know the government will simply print more to keep the party going so shorting is pointless

>>60854679
can you really call yourself a veteran if youve never had a margin call

i managed something similar in a TFSA, only leaf cucks will understand how absurd that is
pic related lmao
i guess for americans thats like getting a margin call in a Roth IRA

>>60854696
I have a framed letter from Fidelity calling me a retard

>>60854702
based

>>60854696
I checked and I have 3 margin calls in my email from Robinhood from 2017.

>>60854702
Can you post it? Censor any identifying information, obviously.

>>60854702
did you deserve it?

>>60854696
At TD, I had two TFSAs, one in USD and one in CAD
I hit "transfer (keyword) between accounts" and moved $12k over. CRA considered it a cash deposit and I overcontibuted last year

>>60854709
it's the same as this
>https://www.reddit.com/r/wallstreetbets/comments/1ik2i8x/finally_received_the_coveted_what_the_fuck_are/
my account is up 200% after but my female broker was very upset
>>60854712
yeah, it was a miracle I made it out of that hole the framing of the letter is my reminder to not do that again

>>60854709
Wait I also have a Poloniex margin call. I forgot I used to trade shitcoins on margin.
Apparently I had borrowed 0.2 BTC, which would be $20k in today's money. At the time it was a few hundred bucks... I should have held my BTC.

>>60854718
Based. I figured it was this letter.

>>60854718
wait the difference is I had to sign a document saying I understand Fidelity is not responsible for any losses kek. I wrote a comment "did you enjoy the show" and now my female broker won't return my calls

you DID buy the dip, right?

>>60854714
i hate that, i was briefly with TD too but splitting TFSA to US and CAD side is stupid and confusing especially when you gotta transfer to another broker to chase a new free-cash promo

i dont remember how scotia was like anymore coz they used to charge me $24.99 per trade so fuck i got out of that once i wisened up, but im pretty sure they kept it in "one" account but just catalog CAD/US separately but still the same account

i think once im done with moving around im prob going back to CIBC since they let you waive min balance/fees on chequing if you have $100k+ with them
Right now I'm going to milk webull for a transfer promo (they will start giving me CAD$10K over 12 months for "free" soon just for transferring) then i'll move

>>60854735
theyve still got the child drag shows and DEI to contend with first, havent bottomed out yet

>>60854735
>they actually backed down
I'm surprised. I knew they would change the logo but I figured they'd just redesign it again.

>>60854495
Can we get a 15 basis point drop on long term bonds? Thanks

>>60854729
How much is your net worth that you have an actual broker

>>60854632
>Nevaeh paying those bills

>>60854735
Trump orchestrated this dump and pump

>>60854735
>>60854748
honestly, it's not like the logo couldn't use some improvement, it's just getting rid of the old guy entirely is stupid. Could've just abstracted or cartooned him or something, get some simplistic yet recognizable shapes in there.

>>60854737
I enjoy Questrade, they generally have low or no fees and it makes moving positions around pretty easy. I grabbed a 1.3%(?) xfr bonus this year on $12k

>>60854758
making the logo more minimalistic isn't necessarily better, given the context of the company we're talking about it actually makes it worse

>>60854758
>it's not like the logo couldn't be made sovlless

>>60854598
Yeah that's the reason I'm such a fucked up loser is because I care about what my mom thinks too much

>>60854771
how far do you live from her?

>>60854761
id prob sooner go back to wealthsimple
but really i just want the comfort of a physical bank, kinda scary to be locked out online should something happen

afaik only CIBC and National Bank are the only ones who will let you waive chequing account fees/min balance if you have investments with them

>>60854774
About 2300 miles

Do any of you use the Robinhood desktop app? What do you think of it?

>>60854780
well you have the opportunity to build meaningful relationships in wherever you live so you can stop caring about what your family thinks about you too much

>>60854718
Incredibly based to get such a letter. How many trades did you make and how in the red were you?

>>60854777
Oh yeah I have 3k cash in a TD debit account for minimums. I guess thats about $300/yr of investment gains I'm not earning on. Oh well, its a buffer if a life emergency happens

>>60854809
>>60854809
>>60854809

>>60854754
>How much is your net worth that you have an actual broker
Schwab told me you get assigned one when you hit $1m, but the rep I met with assigned himself to my account before that. I think he was curious about my pics and returns and wanted to watch success or crash and burn. I found out by calling the 800 number with a question about transferring money over and was told the guy was already assigned to me and to work with him.

>>60854771
>I care about what my mom thinks too much
If she was good to you then you should care.

>>60854794
I've lived away from my family for like 15 years now, but I can't stop worrying. If she found out I was, for example, flirting with a woman or something, she'd be upset and probably make fun of me. So, I generally don't do anything interesting for fear of her finding out.
>>60854876
She was fine. I wasn't abused or neglected, but she (and my dad) made it pretty clear they thought I was a loser.

>>60854757
Americans have gotten so stupid lol.