/finance/ - Finance

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Welcome to /finance/, a board dedicated to all subjects financial and economical, both theoretical and practical! 

The rules:
>0. Take it easy!
Not exactly a rule that can be enforced, but it should be included somewhere.
>1. Obey the global rules!
They exist for our common well-being. 
>2. Don't be a nigger!
That is, try to put some effort into your posts, use proper grammar and spelling, and articulate some actual thoughts. This place is not a chatroom.
>3. Stay on topic!
By staying on topic I mean staying on the topic of the board. Discussions naturally wander all over the place, therefore it is perfectly fine to start a thread about taxation and then discuss government bonds, as both of those topics are quite financial in nature. But if you want share your essay about why Atlas Fugged is the best book ever, then you should use the designated offtopic thread; otherwise don't be surprised if your post gets moved there.
>4. Use the catalogue!
Don't be afraid to start a new thread (as long as it has to do something with the topics of the board), but at least look through the catalogue to see if there is already one that covers whatever you want to post about. There is no point in every anon starting his own ˝How do I stop being a poorfag?˝ thread when one mega-thread would serve all of us better. As such, if you make a new thread that brings nothing new to the table, then it might be moved to the appropriate already existing thread.
>5. No spamming!
Should be quite obvious, but I also consider advertising events and imageboards to be a form of spam. For the latter you are free to use the designated offtopic thread. 
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>>481
Having a /biz/ thread on /animu/ is fine. You'll simply need to create the next serial thread there. OTOH, since we have an entire dedicated board here for such topics (ie, /finance/ ), then you'll be able to maintain much finer-grained discussions of various topics. Hopefully that makes sense.
>tl;dr
Make /biz/ #3 on /animu/ if you still really want to, Anon. It's fine.

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A thread where we can discuss all kind of monetary shenanigans, from the Latin Monetary Union to the Bretton Woods system and the €uro.
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Going to a coin convention this weekend at the state capital. Mostly looking to see about grabbing some GBs and finding silver Japanese coins. Most of the ones I've been finding at the '64 100 yen coins used to commemorate the Olympics.
Replies: >>485 >>486
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>>483
Sounds like fun! I've only managed to get one single japanese coin so far (pic related. This one costed me 40 EUR for 20g of 925 silver, so not bad at all. The olympics coins can be found for reasonable prices at least.
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>>483
Just wanted to report back in on my haul. Walked in with $250, spent eight dollars on admission, left with $60, and pic shows what I spent $182 on. The only one I'd say I really "splurged" on was the 2 Shu coin. Because it's "melt value" is $76 (30% gold, 70% silver), but I managed to haggle the price from $125 (The price every other vendor was selling it for) down to an even $100 (Still 30% over) by simply asking the guy if he would accept $100 instead of the listed $125. The only other one I feel I need to justify "why" I got it is the 1978 100 yen coin as it's just a regular copper coin still in circulation. And my reason for that is the vendor was selling the 1959 coin for well below the melt value and I didn't want to feel like I was "cheating" them. Overall, I'm pleased.
Replies: >>493
>>486
I guess that's a pretty good deal for japanese coins. I don't even try to buy them because everytime I check they want like over 2x spot price. Their olympics coins are probably the only exception.
Oh, I also have this Momotaro coin: https://en.numista.com/352609
But it's actually issued by Samoa and minted in the US (Scottsdale Mint) so doesn't really count. I was hoping to grab some of the others, but they went out of stock before I could get more cash. Anyway check them out if you're a weeb. I don't think they're all catalogued in numista, there's like 4 coins released in both anime and their more tradition style, so 8 different coins in total. Plus they also made some versions with antique finish, but otherwise those are identical.
Replies: >>494
>>493
>Oh, I also have this Momotaro coin: https://en.numista.com/352609
>there's like 4 coins released in both anime and their more tradition style, so 8 different coins in total
Cool, I'll have to see about looking for those.

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Imagine that you're in your current situation with the current economic system, and for some reason find that you specifically can no longer use loans with interest rates (outside possessing your bank account). You can pay off your existing debts and withdraw your current stock holdings, but you can no longer invest in the stock market, or borrow or lend money with a higher rate of return than the original loan. You can't skirt your way around this with late fees either: if you lend someone money, all they can repay you in cash is exactly what you gave them.
How do you handle money in this situation? How do you cope with inflation? How do you profit? How do you save? If you can't loan with interest, how do you more redefine and handle "investing?"

I will admit, this scenario is inspired by the traditional Christian belief that usury is a sin and the Greek philosophers' disgust for usury. It's also coming from someone who doesn't own a credit card. I'm asking this not to start an argument on whether those positions were morally right or not, but because treating this like a challenge run and dealing with the questions above could produce some interesting answers. Some of the answers would likely carry over to a post-national collapse economy, disaster situations, surviving a debanking attempt, and general poorfag living too.
Replies: >>492
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>>491 (OP) 
>You can pay off your existing debts and withdraw your current stock holdings, but you can no longer invest in the stock market
How would that actually work? Because you're not "just" buying an asset in the stock market, you're buying a fractional ownership of a company.
>How do you handle money in this situation? How do you cope with inflation? How do you profit? How do you save? If you can't loan with interest, how do you more redefine and handle "investing?"
You invest in commodities (Everything from precious metals to art) and real estate, and find yourself a dependable network marketing business.

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A thread for all stock market/forex/other security exchanges related discussion. Feel free to post suggestions, intriguing articles/findings, unfounded market predictions, gains/losses, or just shitpost on each others' portfolios to your hearts' content. Don't worry about being a beginner at trading and posting since I have yet to even create my first brokerage account. We can learn together.

Potentially Useful Resources That I've nicked from /smg/, pls no bulli
<Risk management: 
https://pastebin.com/sqJUcbjp

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

<Live Bloomberg stream: 
https://www.livenewsnow.com/american/bloomberg-television-business.html

<Brokers: 
https://pastebin.com/F1yujtVq
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What the Hell is a "Pro Rata Warrant"?
I own some stock in Xerox, and I logged into my stock account today to find that I know own a share in XRXDW. Trying to find out what the Hell it is, I stumble across this press announcement from little over a week ago: https://archive.ph/LL60b
>Xerox Distributes Pro Rata Warrants to Enhance Shareholder Value and Accelerate Deleveraging
<NORWALK, Conn.--(BUSINESS WIRE)--Feb. 12, 2026-- Xerox Holdings Corporation (NASDAQ: XRX) (“Xerox” or the “Company”) today announced the distribution of warrants to purchase shares of Xerox common stock (the “Warrants”), to its eligible securityholders on February 12, 2026 (the “Distribution Date”), in accordance with its previously announced pro rata warrant distribution.
<As previously announced, holders of record of Xerox common stock as of February 9, 2026 (the “Record Date”) received one (1) Warrant for every two (2) shares of Xerox common stock held, rounded down to the nearest whole Warrant. Holders of record of Xerox’s 3.75% Convertible Senior Notes due 2030 and Series A Convertible Perpetual Voting Preferred Stock as of the Record Date also received Warrants on a pass-through basis in accordance with the terms governing such securities.
<“This
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Replies: >>477
>>475
Simply put, you have the right to pay cash and buy more Xerox stock at the price of $8.00 per share if you so choose.
>Each warrant allows the holder to purchase one share of common stock at an exercise price of $8.00. The warrants have a two-year term, though the company can accelerate the expiration if the stock price equals or exceeds $8.00 for 20 trading days within a 30-day window.

Alternatively, if you held Xerox bonds, you could exchange those bonds for stock instead of paying cash.
>Eight specific debt instruments, with maturities ranging from 2028 to 2039, are eligible for this exchange. However, the option to use debt for exercise expires if the stock price reaches 50% of the exercise price, or $4.00, for 20 of 30 consecutive trading days.

Ideally, this allows Xerox to attempt to repay their debt with stock certificates rather than repaying their debt with cash. Sometimes these arrangements result in a "death spiral" as far as the equity is concerned should the company fail to perform. I don't know what's up with Xerox, but if you put "death spiral financing" into a search engine there will be threads to pull on there.

As for dealing with the warrants, consider reaching out to your broker and asking them how they generally handle situations like this so you know what to expect. Also, it might be something to keep an eye
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Just got approved for options trading
It's been nice knowing you.
Replies: >>490
>>489
You too anon.

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Think of this thread as a trashcan that might or might not contain something useful.
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Gold and silver have gone up quite a bit in the last month.
>>320
>If you're actually paying close to spot price or higher, don't settle for less than 80% silver.
I've heard the "rule" that you should avoid paying anything above 20% spot price.
Replies: >>431
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>>430
It depends on where you live. Some countries like England have high taxes on new silver. The only way to escape it is buying old circulated silver coins or other used items (silverware, jewelry, etc.) But at this point it's probably hard to find the .925 sterling coins, so that's why the other anon was asking about .500 silver coins.
But if you're in the US or even the EU, your figure of 20% makes sense for stacking common .999 bullion (obviously you'll pay bigger premiums for rare/collector coins).
So let's take a very common coin (pic related) and check prices. Current spot price is 30.32 EUR. With 20% max premium you can pay up to 6.064 EUR extra, so that's 36.38 EUR maximum for a 1 oz coin. On cdt.fr they're selling for 36.40 EUR, so that's a little bit high. They're not the lowest price though (they're mostly good if you live in/around Paris and can just pick up the order and avoid the shipping costs). For ordering online a better shop is acheter-or-argent.fr, and they have these coins for 34.48 EUR, which is well under the 20% premium.
But keep in mind these are .999 fine coins we're talking about. Lower purity silver coins don't warrant these premiums, and you should be able to find them closer to spot price (or even under spot).
Didn't know where else to post about this, but gas just passed the $4 mark in my state.
Will just be using this thread for the purposes of posting general news:
>The Dollar's Funeral Keeps Getting Rescheduled
https://archive.ph/39x2s
<The “dollar is dying” narrative does what every bear narrative does at cyclical inflection points: it trades a kernel of truth for a wholesale conclusion. Yes, the dollar has weakened, and the reserve share has drifted lower. Yes, central banks are buying gold, and China has rearranged its custody footprint. None of those observations is wrong. However, the leap from observation to apocalypse is exactly the leap investors need to consider very carefully before piling into.
<The data simply does not cooperate with the “Dollar’s funeral” narrative. With net foreign inflows into U.S. stocks and bonds running near post-COVID highs, and total foreign holdings of U.S. Treasuries just setting a record of $9.4 trillion. The collapse narrative simply has no real support.
<There are four things that matter more than headline-dollar print.
<First, central bank gold buying is not “leaving the dollar.” Gold is priced in U.S. dollars, benchmarked to the LBMA and COMEX benchmarks, and converted back to U.S. dollars whenever it is mobilized for intervention, collateral, or settlement. Like Treasuries, agencies, or equities, gold on a central bank balance sheet is a dollar-linked reserve asset. Buying gold reduces exposure to U.S. Treasuries as a security type, but it does not reduce exposure to the dollar as the world’s unit of account. It is a portfolio rebalancing decision, not a currency defection.
<Second, reserve share and transactional usage are not the same thing. Central banks can diversify into gold, euros, and yuan without meaningfully changing day-to-day dollar demand. One drifts slowly over decades; the other is set by trade invoicing and capital markets plumbing, and the dollar dominates both by wide margins.
<Third, there is no viable alternative. The yuan is hamstrung by capital controls and limited convertibility. The euro lacks a unified fiscal backstop. Gold has no yield and no settlement rails. And BRICS itself is not politically unified: India signed a trade deal with the U.S. in February and halted Russian oil purchases weeks later.
<Fourth, cyclical decline and structural decline are not the same thing. The dollar is in a cyclical downtrend that fits comfortably inside its roughly 7-to-10-year regimes. That is a trading pattern, not a funeral.
<So what should investors actually focus on? Not whether the dollar survives, the flows have already answered that question. Instead, focus on the variables that genuinely move portfolios:
<1. The earnings differential between U.S. and international equities,
<2. Notably, the AI capital cycle, which will pull global savings back toward U.S. assets,
<3. The Fed’s policy path, and
<4. The cost of hedging dollar exposure relative to its realized volatility.
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Title says it all. I have about 10k in assets.
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Replies: >>218 + 2 earlier
>>172
6 digit, loser.
Replies: >>174
>>173
suck my nuts
start drawing space marines and cool sentai rangers that are worth 6 digits you fucking retard
Replies: >>175
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>>174 you dont even know what s 6 digit space marine ya dum cunt not even hypothethically or theorethically
>>55 (OP) 
buy Newmont mining and keep adding to your position
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What's your guys' opinions on https://earlyretirementextreme.com/ ?
>>129
>never spend more than $200 on food per month
It's painful how little that gets you as a Canuck in 2026. At this point, you'd be crazy to not have a garden or forage.

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What does anon think about cryptocurrencies?
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My heart aches whenever I remember what bitcoin has become.
Replies: >>460
>>458
Yep. Gone are any nerd or libertarian ideals. This stuff is all greater fool theory now. I had fun with Monero mining in 2017 - glad I bailed when I did.
Replies: >>461
>>460
Why are countries buying it? It doesn't make any sense.
Replies: >>462 >>464
>>461
Beats me. Any country serious about going digital would just issue their own stablecoin.
Replies: >>464
>>461
>>462
It's because the network is already there. It's for the same reason why Etherium and Monero will never dethrone Bitcoin despite being superior in utility and purpose. Until they outlaw it. Then there's also the fact that investing in it gives them power over those markets.

Also "stablecoins" are a meme, especially as a CBDC. All it does is give the government even more control over your finances. Imagine a world where the government tags an expiration date to your dollars, in addition to controlling where you can spend your dollars, and that's the entire purpose of creating a CBDC.

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https://rumble.com/v72lt04-bitcoin-vs-gold-cz-and-peter-schiff-clash-over-the-future-of-money.html

HAHAHAHAHAHAHAHA THE ABSOLUTE STATE OF BITTOID, CZ called this guy for a debate on modern gold backed commerce scheme vs bitcoin but yet he's argument were ripped into shreds with literally no real arguments. I don't even think he was even ready to have a real debate. CZ's English was just god awful to hear. Why can't this faggot learn  how to speak the god damn language before engage someone into a debate? Holy shit.

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https://finance.yahoo.com/news/biden-preparing-sign-executive-order-141553985.html
https://web.archive.org/web/20220309014601/https://home.treasury.gov/news/press-releases/jy0643

Thoughs?
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>>35
I probably expressed it poorly, what I mean to say is that the barrier of entry in modern day IT and coding is very low thabks to simplified and interpreted programming languages, IDEs and prebuilt shit. GOOD and EFFICIENT programming is rare and even moreso with legacy servers, but the basics of coding are the same regardless of the environment, all you need to start is room temperature IQ, some primers on logic and mathematics and good ol stackoverflow.
Nexo Unveils Payment Card Where Users Get to Keep Their Crypto
https://archive.ph/8fvu9
>Nexo has unveiled a crypto-backed payments card that allows users to spend without having to sell their digital assets. The crypto lender is offering the Nexo Card in partnership with Mastercard (MA) and corporate payment services provider DiPocket, giving cardholders access to 92 million merchants worldwide. Nexo claims the card is the first to allow users to spend without selling their digital assets. It is linked to a Nexo crypto-backed credit line, with cardholders' digital assets as collateral. Payment is made through the credit line, which is available in fiat and stablecoins. The card is available across select European markets. Debit and credit cards linked to digital assets are established in the crypto industry, though many users may be put off because of the risk of losing gains in crypto's value. Nexo's card might encourage more frequent use of crypto-backed cards in everyday transactions by alleviating this risk. The card can be linked to Apple Pay and Google Pay.
Nexo Introduces Card Backed by a Crypto Credit Line With Mastercard, DiPocket
https://archive.ph/fQREm
&
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Replies: >>441
I'm a newnigger looking to get into crypto, what's the market looking like in CY+9?
>>74
>a Crypto Credit Line With Mastercard
And it's dead upon arrival.
>Why Bitcoiners Will Benefit From Stablecoin Legislation
https://archive.ph/t8U48
<The recent passage of the Senate’s GENIUS Act and House’s upcoming “Crypto Week” mark a seismic shift in the financial world. The bill, which passed by a 68–30 vote, establishes a federal regulatory framework for stablecoins, including reserve requirements, issuer disclosures, and consumer protections. This legislation lays the groundwork for the US financial system to break free from the monopoly that banks have long had on money, creating room for innovation and competition in financial services. 
<Central to this transition is the adoption of stablecoins, cryptocurrencies designed to maintain a stable value by pegging them to a reserve asset. Stablecoins offer a stable medium of exchange and a store of value while enabling smoother digital transactions and wider blockchain adoption.

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How much money do you need to retire?  What portfolio should that retirement fund consist of.

Is it actually even possible to retire anymore, given how shitty the future is likely going to be?
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>>421
The amount you spend per month times the number of months you plan to continue living.  The longer you expect live, the more you have to adjust for inflation, but again, nobody can predict when the world will shut down most of its economy for the lulz, which swings every variable in the equation.
Depends on the cost of living where you plan to stay, a bit less also on your standards but you don't need to adjust much there. I'd say 4 million. Because that's what will yield you a living wage by just putting it in safe-ish bonds and instruments from high-paying but still pretty stable nations/states that you can invest in. Public instruments. Most in this tier are even insured, so super low risk. Considering you won't have much time after retirement, with that amount you can still take a part for some random event if you don't go crazy and deal with most health decline problems until you get to the high-complexity stuff at which point probably no amount could save you.
With that amount I've also seen that it's enough to hand out and help your former dependents a decent bit every now and then, only if they're not dependents any more... i.e. Minor children/in college, some ungrateful bastard that still uses your credit card, you're married and divorce-rape is a permanent risk that you constantly pay out your ass to try and delay, etc.
Obviously that number is in value for right now, with time you have to adjust it, inflation and instability and shit...
Replies: >>425
>>424
>Bonds/safe investements = 5%
>5% - 3% inflation = 2%
>4 million x 2% = $80000
>$80000/yr is rough cost of living for family of four in most states
Is that the reasoning?

My own thought process has been the following:
>Social security/medicare won't exist for me when I'm older. This is based off of the Social security and medicare trusts' own reports.
>I'll probably get cancer at least once in my life. It will cost about $110k in current dollars to survive it if I wanted to. I want enough money to be able to at least have the option to survive it once if I want.
>I'll be forced to retire sooner or later. After uni, I failed to launch and became a nepohire. So, I view my current job as "I have to save as much as I can currently because I'm not going to be able to get a job when I lose this one." I think I have two years left before my nepocontact retires, at which point I'll be retired out soon.
As such, a lot of my thinking isn't "I have to work X more years until..." it's more along the lines of "If I lose my job tomorrow, here's what my current interest income is going to be stuck at, and here's where in the world I'll have to move to in order to survive." In t
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>>421
Retire early? 1,300,000 at a mininum assuming you have little in terms of debt obligations. And this is cheap brain powered freedom not very glamorous lifestyle if that is going to last.
>>421
There's a couple quick dirty rules.
Like at least 1M banked.
Or 20 x current income banked.
The issue is is that everyone's situation is slightly different, and with an anonymous board where miscreants can be located over the globe, short, fast guidelines are effectively useless.

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