#INVESTMENTS

[gamechangershow]

In times of financial turmoil, turn to Lou Wilson for some sound investment advice

Watch all of One Year Later on Dropout

[warandpeas]

Investments

[honeytonedhottie]

financial literacy⋆.ೃ࿔*:･✍🏽🎀

so i released a poll if you guys would like a post on financial literacy and the results are here. so im gonna share some things that i learned while taking a financial literacy course…💬🎀

WHAT IS FINANCIAL LITERACY ;

financial literacy is handling ur money wisely. the google definition of financial literacy is the ability to understand and apply different financial skills effectively, including personal financial management, budgeting, and saving.

ALL ABOUT BUDGETING ;

when u hear the word "budget" its rly easy to think "omg limiting belief" or think of it in a negative light but a budget is just a plan on how u manage ur money. its not always constrictive and negative like u may or may not think of it to be.

budgeting : keeping track of how much $ ur bringing in and how much ur spending…💬🎀

planning a budget is ez pz. you can use some paper and sparkly pink gel pens to create an adorable budget, or u can download different sheets online and just have your budget digitally. theres a plethora of resources out there so just choose whichever is easier for u.

something else that i learned about during this course was the 50:30:20 rule. its called the 50:30:20 rule because 50% of ur money goes towards ur needs, 30% goes towards wants and 20% goes towards ur savings. and this isnt concrete, its just a good framework and u can adjust to ur own specific needs and goals.

for example if u manifested $4000. ur 50% would be $2000, ur 30% would be $1200 and ur 20% would be $800…💬🎀

HOW DO U KNOW WHAT UR NEEDS/WANTS ARE ;

things like ur rent and groceries are ur needs and things like vacations and going out with ur girls are wants. and to apply the 50:30:20 rule you first have to...

♡ calculate ur needs, wants and savings budget

♡ compare ur expenses to ur budget

the way u do this is to subtract your expenses from your budget. this is your budget balance. if your budget balance is zero or positive, that means you are living within your means and have some extra money. if your budget balance is negative, that means you are spending more than you should and may have a budgeting problem.

let me know if u guys want more content about this cuz i had a lot of fun writing this…💬🎀

[viridianriver]

I want YOU to fuck with Elon Musk's finances!

Apologies for the nerd-talk here, but I have a easy political action for you!

Right now, the Tesla stock seems to be held afloat not so much by individual investors, but by investment banks which include the stock in index funds. The sort of funds that many people's 401ks are in. (I've been watching the stock, the 'sells' are many and small, the 'buys' are fewer and large, likely indicative of big-banks propping up a failing stock.)

And you, yes you, if you have a IRA, 401k, or other retirement investment which includes Tesla, can fuck Elon up today. (If you don't have one, send this post to any cool Boomers you know who might!)

What you're gonna do is call whoever you or your employer banks with (Vanguard, Schwab, TD, whoever) and tell them the following:

You're concerned by their reliance on TSLA in their indices, a volatile stock whose value is not based in investing fundamentals.

The intrinsic value of the stock (discounted cashflow / relative valuation) is $46 while the stock is trading at over $200

The current valuation is defended by the following flawed arguments:

a. Sales to consumer vehicle market - The majority revenue source. However sales across the globe are dropping compared to this time last year; 73% in Germany, 65% in Australia, and 49% in China. b. Potential Autonomous vehicle? - Promised for years, as a retrofit to existing vehicles - has not materialized, even after competitors (Waymo) succeeded in fielding the technology. c. Potential Humanoid Robotics? - An industry Tesla has no experience in, and is facing significant competition in from well-established well-funded competitors such as Boston Dynamics. d. Potential "AI"? - Unless specified further, with a concrete path to profitability this seems to be vaporware. e. Elon's personal brand - Has been losing credibility, due to partisan political behavior. He has also been failing to perform his fiduciary duty to shareholders, by neglecting his role as CEO to become politically involved. f. Battery Technology - Has a high reliance on imported materials such as Lithium, the availability of which is dependent on the unpredictable geopolitical situation in Ukraine.

And you are HUGELY worried about the impact on your finances when the stock corrects itself towards it's true value, and returns to trading along financial fundamentals. (If you want to get spicy with it, you can say you feel they too are failing in their fiduciary duties to you by continuing to invest in TSLA. But, from what i know of finance bros, that's fightin words, so use with discretion.)

So... If you want to have an outsized impact on this hair-plugged skinhead's finances, all you gotta do is call the finance nerds and speak their language a little. (I know phone calls suck but I literally gave u a script!) Most retirement investors are passive, so even a handful of upset callers can have an outsized impact.

Embrace your inner Karen if you want. (You're doing WHAT with my money? Propping up a failing overvalued business?)

Good luck, and tell me how it goes if you do this!! (disclaimer: this is not financial advice)

[incognitopolls]

We ask your questions so you don’t have to! Submit your questions to have them posted anonymously as polls.

[political-us]

The rich get richer, the poor get poorer

[bitchesgetriches]

So the stock market is crashing or at least dropping. Is there a point when I should move my 401k savings? I know youre supposed to leave them alone. But im 25 and the thought of the 24k i have in there all dissappearing and needing to start over is stressful.

DO NOTHING.

Go outside and pet a tree or something instead.

Yesterday the stock market took a temporary drop. How much of a drop? I literally don't even know because I haven't logged into my brokerage firm's dashboard to look. It doesn't matter. And I have about twelve times as much money invested as you.

Here's why we don't believe there's a point at which you should move your 401(k) out of the stock market:

Wait... Did I Just Lose All My Money Investing in the Stock Market?

And here's a more detailed lesson on how to reallocate your retirement fund as you grow older so it's less invested in stocks and more in bonds, which is as close as we get to recommending you move things out of the stock market:

Investing Deathmatch: Stocks vs. Bonds

One last thing: There's a faction of conservative finance bros who are attempting to manufacture economic anxiety in order to influence the U.S. presidential election. Ignore similar freak-outs for the next few months. Keep to your personal financial plan and you'll be just fine.

Did we just help you out? Tip us!

[cognitivejustice]

Community solar refers to projects that provide local ratepayers with access to solar energy on a voluntary, subscription basis. The idea is to expand the reach of solar-sourced electricity throughout an entire community, to include ratepayers that don’t have the opportunity or the desire to install their own rooftop solar panels. Back in the early days when solar costs were high, subscribers had to be willing to shell out extra bucks for their clean kilowatts. Now the script has flipped. Community solar subscribers typically save money on their bills, which explains why the movement is so popular — among ratepayers and among global investors, too.Global investors keep showering love on the US community solar movement, regardless of a sudden shift in federal energy policy under President Trump

[benjaminallhope-fulltimemind]

Why are they trying to defend this, why is the Trump administration trying to defend putting tarrifs on uninhabited islands?? America is fucking cooked, if this is something the Trump Administration is willing to defend I can't even begin to imagine the other stupid shit they'll try and spew.

[tarotlexa]

WALL STREET TAROT- my april predictions!

hello and welcome again everyone, today’s reading is a bit different from the usual. it’s going to be my prediction for the stock market in april. very niche!

i decided to pull this reading mainly for me and for my finance friends who have been reading my blog (they know who they are <3), this is just for fun! if you’re also into finance or economics share your insights with me, i’m always open to discussion!

anyway, let’s predict what’s coming this april in the stock market!

⠀.　　　　　　　　　　⠀⠀⠀✦ ⠀ ⠀　　　　　　　　　　　　　　⠀⠀⠀⠀⠀* ⠀⠀⠀.　　　　　　　　　　. ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀✦⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀⠀ ⠀ ⠀⠀⠀⠀⠀⠀.　　　　　　　　　　　　　.　　　ﾟ .　　　　　　　　　　　　　. 　　　　　　　　　　　　　　　✦ 　　　　　,　　　　　　　.

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　　　　　✦⠀　   　　　,

overall market energy: april is going to be a month of transition, volatility and hype. some could profit big but most are going to fall for illusions. strategic, well researched investing wins. the market is moving out of a rough patch, some previous uncertainty is clearing up (some geopolitical tensions could be stabilizing), april is a shift period. expect high volatility, investors won't agree on market direction. day traders are going to thrive the most but long term investors are going to need patience this month. do not go into panic mode. tech and ai stocks are going to surge and create big winners but not everything is as golden as it seems. lots of hype stocks, speculation and pump and dump schemes. it's better to safeguard stable assets such as blue chips, dividend stocks or gold. be practical this month. expect big financial news or data releases that will shake up the market (could be regulatory decisions, earnings reports, CEO news, economic policies)

bullish (growth) or bearish (decline) this month: neutral but mostly in decline. there's an effort to stabilize things through corporate earnings, government intervention or institutional investors stepping in. a major shift is going to happen nonetheless. some sectors will definitely die off (overhyped tech or riskier investments)

major influences: mostly fear, slow market movement, war threats. most investors are holding onto cash, scared to take big risks due to fear of recession or global instability. lots of waiting, hesitation and a need to assert the situation first. long term plays and fundamentals win over hype. boring but stable investments win over speculative bets. proceed with caution.

sectors to watch: the sun could have to do with tech stocks, ai, renewable energy, innovation focused sectors, healthcare, consumer goods (leisure, hospitality). then we have the ace of pentacles that indicates literal money to me aka banking, fintech, real estate, commodities, manufacturing, infrastructure development or even agriculture. justice could deal with regulations or legal impact, government, major institutions, tax policies, ai regulations and so on. nine of cups is obviously luxury items, entertainment, leisure, tourism, travel, hospitality, self care, consumer goods. we could be seeing people spending more on experiences, personal wellness and self care industries. tech, financial and luxury consumer goods are the key players this month imo.

thank you for reading! i know this is a bit niche <3

[158590]

[sleepyhouse2art]

my budget:

cat food: $65

electric bill: $60

tobacco: $30

lettuce: $200

0 cal seltzer: $400

nutritional yeast: $800

protein bars: $2000

please help me my family is starving

[afrotumble]

[honeytonedhottie]

financial literacy continued⋆.ೃ࿔*:･👛💵

so i released a poll if you guys would like a post on financial literacy and the results are here. so im gonna share some things that i learned while taking a financial literacy course…💬🎀

HOW TO SAVE MONEY ;

automatically deposit a certain percentage of ur income into ur savings account so that u dont even have to think about it

to do something more FUN tho, (at least in my opinion) is to make a challenge where u have to save every $10 dollar bill, or $20 dollar bill or whatever. just something to make saving money seem like a game if u wanna have some fun with it.

EMERGANCY FUND ;

most experts will tell u that ur emergency fund should be 3-6 months of ur needed expenses. so calculate ur needed expenses and multiply that by 6 to figure out how much you'd need to have in ur emergency fund.

PAYING YOURSELF FIRST ;

you should always put urself first in every single situation including financially. so to pay urself first simply means to put ur future and needs before anything else. FOR EXAMPLE... let's say u wanna buy an ipad by the end of the year, an ipad is $345.

lets also say that u get paid weekly, so you'd divide $345 by the number of weeks in a year (52) you'd get 6.6. so you'd have to save roughly $6-$6.50 a week which isnt a lot at all. and you'd be getting what u want.

INTEREST AND CREDIT ;

interest is like a reward that the bank gives you for trusting them to look after your money. the more money you have in your account, and the longer you keep it there, the more interest you can earn…💬🎀

so the bank calculates interest as a percentage of the total amount in a bank account. so if the bank pays a 1% interest you'll earn $1 for every $100 in ur bank account over the course of a year. so if u have $500 in ur account you'll get $5. its not a lot, but interest builds on itself.

credit is the ability of the consumer to acquire goods or services prior to payment with the faith that the payment will be made in the future…💬🎀

for example missing payment deadlines can negatively affect ur credit score. why is this important? if u wanna go to college and wanna use student loans, u might not be able to if ur credit history is bad. as ur credit history grows you'll get a credit score. the higher ur score, the better ur credit is.

BUILDING CREDIT ;

get a secured card. a secured credit card is a special type of credit card with a down payment. when you open the card, you will give the credit card company a deposit to hold. it can be as little as $100. the company holds the money for you and gives you a credit card with a line of credit equal to your deposit

sign up for victoria's secret direct paper mailers. you'll get a coupon each month for 1 free panty for every purchase. when u go to the mall, get urself a panty and a sweet treat 🧁 (DO NOT PUT ANYTHING ON THE CARD THAT U CANT IMMEDIATELY PAY OFF)

and then go home and pay ur credit card bill off, and then dont use it again until the next month.

[dantexxorihara]

💸💲💲💰🤑💸💲💲💲💶💵💲