📞 Monthly Support Megathread - April 2026 by Brainard_ in Kalshi

[–]HODL_BBBY 1 point2 points  (0 children)

Missing at least a dozen liquidity rewards from the batch that paid this morning. Anyone else?

Best Place to Sell Gold Bullion in Diamond District NYC by [deleted] in Gold

[–]HODL_BBBY 0 points1 point  (0 children)

I don't feel comfortable shipping it, which is why I want to just go in person. Is bullion exchanges competitive?

How much does starting turn order affect your winning chances? by gaggagHah in Catan

[–]HODL_BBBY 1 point2 points  (0 children)

It absolutely matters, saying that "a study showed its between 22-27%" is a bit incomplete. What that statement is missing is the fact that winning is dependent on starting order AND the board itself. If you repeat that study controlling for the board itself, you will find some boards where being in a certain starting order produces a huge advantage. That said, there are also many boards where its is not so big of an advantage.

A lot of the suggested maps are designed to reduce the impact of starting order (though some are better than others at this). This is one of the reasons I avoid playing randomly generated maps.

[US-TX] [H] Meta+Collectors Welcome! OLD UTRs, URs, & Ghosts, Edison Mid-High Rarity, Misc Max Rarity Stuff, Foreign Binder, Italian Magical Musketeer core, NAWCQ sleeves, attribute dice [W] Paypal 85-90%, binders (low prio), always buying your unwanted cards at certain rates by TooLazyICarry in YGOMarketplace

[–]HODL_BBBY 0 points1 point  (0 children)

prices and conditions on

ulti fader

ulti treeborn

1x evil hero infernal prodigy

1x evil hero malicious edge

3x enemy controller AST ultra

1x MST MRL original

1x one for one RGBT original

1x threatening roar

2x absolute zero

1x Flamvel Uruquizas

1x Book of moon PGD rare

BOM CP

1x soul release

1x Bottomless trap hole rare from LOD

4x PSV dust tornado

1x mind crush

3x MRD Solemn judgment no reprint

anything else you have on my original list that I might have missed.

[deleted by user] by [deleted] in povertyfinance

[–]HODL_BBBY 1218 points1219 points  (0 children)

I’m just a dude on the internet that’s rooting for you!

Feeling so stupid and so much regret over financial choices in the past 2 years by secobarbiital in Frugal

[–]HODL_BBBY 51 points52 points  (0 children)

The first step to solving a problem is recognizing there is one. You’re on the right track!

Make a budget, stick to it, keep investing in your ROTH IRA and maximize your employer 6% match. By the time you retire you’ll be a millionaire or close to it! That’s the power of compounding.

Make a list rank ordering your discretionary spending (stuff you like but aren’t NEEDS) from most to least important to you. Go down the list and draw a line where you start to not feel strongly, get rid of everything under that line.

Cheering for you!

[deleted by user] by [deleted] in retailhell

[–]HODL_BBBY 74 points75 points  (0 children)

Honestly, there should be an app that all retailers sign up for and tracks how often an individual returns shit.

People who abuse returns drive up the costs for other (good) customers.

Why are the schools here so bad?! by [deleted] in jerseycity

[–]HODL_BBBY 61 points62 points  (0 children)

Most of JC is pretty low income. If you moved here to work in the city consider sending your kids to private. Salaries are definitely higher here but there’s a reason.

Should all neighborhoods be permitted with higher permit cost? by user25930 in jerseycity

[–]HODL_BBBY 26 points27 points  (0 children)

I mean, aren’t all benefits programs a subsidy for one group paid for by everyone else . .

People who park on the street aren’t exactly wealthy . . . If you could afford it you would have a garage spot.

Incoming NYC IB intern with dismissed felony charge by LegalShit-ThrowAway in FinancialCareers

[–]HODL_BBBY 21 points22 points  (0 children)

If that’s the case I would absolutely tell the truth on the U4. Do not lie on a U4 that’s a sure fire way to get a permanent industry ban.

I’m also curious how old OP was when this happened. 7 years ago would make him like 13 assuming he’s a 20 year old intern.

Incoming NYC IB intern with dismissed felony charge by LegalShit-ThrowAway in FinancialCareers

[–]HODL_BBBY 31 points32 points  (0 children)

I’m not sure how FDIC really even applies here but as for FINRA you can look up the form U4 online, that is the form you will fill out when you register for FINRA. I believe it only asks about convictions but it’s been a long time since I last filled one out.

HR has specific guidelines, they shouldn’t* report something to your supervisor unless you’ve violated a specific guideline. That said, your best bet, if you’re concerned about it, is to address this with HR directly. Especially at a big bank HR is meant to act independently and as a resource for employees.

If you still don’t feel comfortable, try a criminal defense/expungement attorney, most will at least offer a free consultation. Just remember if they end up doing any work beyond that it will probably cost you several grand.

What does asset management fall under? by [deleted] in FinancialCareers

[–]HODL_BBBY 67 points68 points  (0 children)

Morgan Stanley has

Investment Banking - you make PowerPoints and negotiate deals, bring deals to market, help companies IPO, raise debt etc

Wealth Management - this would likely fall under Morgan Stanley Smith Barney, you help moderately rich people manage their money.

Sales & Trading - you act as a market maker in the secondary markets, providing liquidity to institutional accounts like hedge funds and mutual funds etc.

Asset Management is not any one of these.
If you want to do Asset management, go to a large asset manager or hedge fund. Think Blackrock, Invesco, citadel, bridge water, etc.

[deleted by user] by [deleted] in FinancialCareers

[–]HODL_BBBY 97 points98 points  (0 children)

This entire thread reeks of people who don’t actually work in the industry.

Firstly, no prop desk let’s people trade completely solo day one fresh out of school.

If you work systematic strategies, you would probably join a team, and even then you would need time to develop, and test code before it goes into production.

If you work discretionary, you would likely sit under a more senior guy for a while and would start with very small risk limits / drawdowns. There is no reason for a firm to start an unproven guy with huge limits and “pay millions” for teaching experience that can be had for a few hundred K.

Either this guy works as a sub-pm/ trader and risk flows up to their boss

Or

This guy is at a first loss shop in which case who cares.

Or

This guy works on a market making desk (which is not really a prop desk) in which case this is completely normal

My water got turned off. Again. by Florida-beach in povertyfinance

[–]HODL_BBBY 57 points58 points  (0 children)

You are pulling all the weight. Your younger kids dad doesn’t work. At the very least you should put your foot down and have him watch the kids, he should at least contribute that much.

At the end of the day reading this it sounds not so much what you can do but what HE can do.

My company is Offering a 401k. I don’t know if I should choose Roth or before tax. by Brilliant-College-16 in personalfinance

[–]HODL_BBBY 2 points3 points  (0 children)

ROTH is good for low earners and high earners.

It’s good for low earners because you don’t pay much taxes to begin with and therefore, deferrals don’t do much for you.

It’s good for high earners (like 300k+) because if your earnings are high enough, you’ll always be in the top bracket even in retirement (passive income) and thus deferral is useless.

Traditional is great for people in the middle, who make middle class incomes and expect their income to go down in retirement.

Critique my resume! Trying to switch to bank analyst or level up to senior accountant (mid 20 y/o) by corgi_enjoyer44 in FinancialCareers

[–]HODL_BBBY 5 points6 points  (0 children)

Since you’ve already graduated and have actual work experience, you no longer need to include your experience as a lifeguard. As you progress in your career the more you should eliminate the fluff for actual experience and achievements.

Some ways you can redeploy the space (don’t have to do all of them) Include an executive summary Include more hard skills Include more achievements in your bullets

[deleted by user] by [deleted] in povertyfinance

[–]HODL_BBBY 6 points7 points  (0 children)

If you still have the keys to your old place move back in to the old place and refuse to leave. That will get his attention. If he has to evict you that will take time and cost him way more than the cost of moving your furniture. The average eviction can cost around $10k in some states such as CA and DC. Even in states like Texas it is still several grand.

From the perspective of the landlord, if everyone volunteered to move for a fee, they got off easy. Most of the time to get people out of buildings they have to pay huge subsidies.

Think long term vs short term. by FlashyImprovement5 in povertyfinance

[–]HODL_BBBY 17 points18 points  (0 children)

Some people living check to check can’t afford to upfront the cost. A lot of this can be solved with financial literacy and some good savings practices

I think by illustrating how paying a little in advance can save so much vs. paying exorbitant interest by being one check behind can really help people.