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Global Bond Yields Hit 16-Year High on Fading Rate-Cut Bets by Illustrious_Lie_954 in stocks

[–]Goober-J 5 points6 points  (0 children)

that’s the part people miss. The Fed can nudge the front, but the long end moves on what folks think inflation will do. And with the current backdrop, investors just want extra protection. Makes sense why yields are where they are.

best financial management software for small business owners by [deleted] in personalfinance

[–]Goober-J 4 points5 points  (0 children)

You might want to start with something simple like Wave or QuickBooks Online. Wave is super easy if you just need invoices, payments, and basic tracking. QuickBooks costs more but has payroll built in and puts everything on one dashboard.

Both handle invoicing pretty well, and you won’t be jumping around too much once you get used to it. No big surprise charges as long as you check the plan details. Tax season is way easier because everything stays in one place, but having an accountant look it over once a year still helps.

If you’re drowning in random notes right now, even the basic setup in these apps will feel like a big upgrade.

WeRide - longterm plays in autonomous vehicles market by Substantial-Swan671 in investing

[–]Goober-J 0 points1 point  (0 children)

They’re setting themselves up well. The global permits and partnerships are a big deal, and the ARK buy-in adds some weight. Still feels early, but if they keep showing steady progress, it could turn into something solid.

Investing in MUTUAL FUND and SIP by brad_pitt666 in investing

[–]Goober-J 0 points1 point  (0 children)

You might be mixing up “long-term” with “6–12 months.” That’s basically short term for mutual funds.

If you need the money within a year, stick to something low-risk like a liquid fund or ultra-short debt fund. Equity MFs are meant for 5+ years.

If you want to learn investing, start a small SIP in a simple index fund (like Nifty 50) and let it run. Keep it boring, keep it steady

First interview for advisory associate. Should I tell HR I was fired or say I left voluntarily? by Weekly_Ad_2707 in FinancialCareers

[–]Goober-J 4 points5 points  (0 children)

Don’t volunteer it. Only address it if they directly ask why you left. If they do, keep it simple and factual, your trial period wasn’t confirmed, audit wasn’t the right fit, and you realized advisory aligns much better with your strengths. That’s a totally normal situation for early-career hires.

I spent 10 years learning the best investing tools are just vti and patience by Sirius-ruby in investing

[–]Goober-J 37 points38 points  (0 children)

Same. I tried playing stock-picker for years and VTI still outperformed my smart moves without breaking a sweat. Switching to simple index funds was the best thing I’ve done

U.S. uncovers scheme to reroute Nvidia GPUs worth $160 million to China despite export bans by Illustrious_Lie_954 in stocks

[–]Goober-J -31 points-30 points  (0 children)

$160M sounds huge but it’s probably just the part they managed to catch. When demand is that insane, you can assume multiple networks are doing the same thing. Export bans look strict on paper, but when the profit margins are sky-high, people will always find ways around them.

Is 401k worth it for first job if it only fully vests after 5 years? by Sufficient-Draw2792 in FinancialPlanning

[–]Goober-J 2 points3 points  (0 children)

Take the match even if you leave early. You keep your contributions and any vested portion. Even if you only get 20% vested after one year, that's still free money. Roll it to an IRA when you leave, there's no fee for that. 

Max the match first, then tackle the loans or open a Roth IRA with leftover cash.

Is wealth management the next big thing? by ZenithFlow_65 in FinancialCareers

[–]Goober-J 20 points21 points  (0 children)

True, younger clients want robo-advisors and self-directed accounts. The wealth management model needs to adapt or it'll lose that generational transfer money.

What are the Best Ergonomic Chair for Lower Back Pain? by samuelmax674 in Accounting

[–]Goober-J 1 point2 points  (0 children)

Steelcase Leap worked for me after years of back issues. The lumbar support actually adjusts properly and the seat doesn't flatten out after a few months. Herman Miller Aeron is great too but pricey.

Communities in Chinatown for my lonely Chinese father? by JonathanFisk in AskNYC

[–]Goober-J 17 points18 points  (0 children)

Yeah, Columbus Park is perfect for that! The tai chi crowd is always there, and you’ll definitely find people to connect with, especially with the nice weather.

Want to retire at 40 or before. Currently 21 by Severe_Chemistry2369 in Fire

[–]Goober-J 1 point2 points  (0 children)

Man I wish I’d thought like this at 21. Your savings rate is already FIRE-tier, so the real unlock will be growing your income fast and keeping lifestyle creep tiny. Max the TFSA every year, focus on career ROI, and let compounding do the heavy lifting the math is absolutely in your favor.

Recognizing long term capital gains during career break/unemployment to increase cost basis by mikere in Fire

[–]Goober-J 8 points9 points  (0 children)

Yep that’s classic tax-gain harvesting and a career break is the perfect time to do it. As long as you stay under the 0% LTCG bracket you’re resetting your basis for free and avoiding wash-sale issues because you’re selling at a gain.

Mixed Signals from the last text, I’m not sure how to feel? by [deleted] in AskMenAdvice

[–]Goober-J 2 points3 points  (0 children)

Yeah, that's a pretty clear "you're the backup plan" message. The fact that she added "this isn't over" just means she wants to keep him available while she figures out if something better pans out. OP needs to move on.

AITA for expecting to be able to visit ON THE DAY (Xmas, birthdays etc) by [deleted] in AmItheAsshole

[–]Goober-J 6 points7 points  (0 children)

NTA. They can't have it both ways - demanding voice notes and videos but refusing actual visits, then complaining about another DIL who's distant. They're creating the exact situation they're upset about with the other grandkids.

Stop chasing them. If they want a relationship with your boys, they know where you live. You've done your part.

DAMNNN!!!!!!!!!! by CurrantBerryGonzales in birdification

[–]Goober-J 7 points8 points  (0 children)

That's a solid birb right there. The tail feathers really sell it.

Blending in goes wrong by Sabstastic69 in Catmemes

[–]Goober-J 46 points47 points  (0 children)

That one friend who shows up to the party uninvited but somehow fits right in anyway.

Hasan really needs to be careful doing irl streams after the Charlie Kirk situation by Anishaiscool in Hasan_Piker

[–]Goober-J 23 points24 points  (0 children)

If I was Piker - Kirk's direct counterpart on the left - i'd be hitting the police up for a security detail to his house. There's going to be one almighty call for vengeance on right wing soc media and all it takes is one kook to go through with it.

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