/finance/ - Finance

Nobody on here is a financial advisor


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Think of this thread as a trashcan that might or might not contain something useful.
Maybe it would be a good idea to buy up bombed land in ukraine? The war will not last forever and land is land.
Replies: >>20
>>19
I'd rather buy stocks in Ukrainian telecoms tbh
Replies: >>21
>>20
Why telecoms?
Replies: >>33
>>21
It's the only industry that can rely on structures that can be quickly (and will be) rebuilt or even just use satellites for communication. A barren wasteland of a country needs a way to connect its people after all.
Replies: >>43
>>33
Good point anon. I'd say mobile power/solar power in such situations. Handheld talkies, SW, & other comms gears are all good bets in such a situation.
Is there any rules, explicit or implicit, forbidding topics related to economy but not necessarily related to finance in this board? 
e.g. fiscal policies, relations between taxation rate vs PPP growth, export volume and competitiveness
I like these topics but these will attract discussion of economic theories, which may invite extreme ideologues from both sides of the spectrum to discuss, like the classic Libertarians vs Communists feces flinging.
Replies: >>83 >>84
>>82
Finance and economics go hand-in-hand if you want to seriously discuss either of them, so go wild. If things get political, then invoking rule 3. and 4. (together with rule 0.) should take care of them. That is, if it devolves to shitflinging I will just chuck all those posts here, and then ban anyone who still wants to do that outside of this thread.
>>82
I mean the 2. and 3. rule, 4. is not applicable in that specific case.
Today, for the first time in my life, I bought some shares in a company. It makes me feel somehow accomplished, and I assume it's the feeling of buying something combined with the feeling of not actually wasting my money.
Someone posted a couple real estate webms in the cafe so I decided to stop by.
I just want to say that I hope the housing market does crash. Uncle Sam owes me a VA loan and I don't want to buy a fixer-uper at doubled cost. Hopefully getting a loan doesn't become impossible in the process.
Replies: >>94 >>95
Does getting into finance mean that I can live the NEET life while trading securities like those NEET characters that you see in anime?

>>93
I know several people who made it big by snatching up homes when 2008 happened. It would be in all our interest for a housing crash to happen, but you'd have to worry about others who are thinking the same thing. I know for certain that big investment firms are buying as much property as they can, so there might be more competition than what you'd see back in 2008.
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>>93
Don't forget to invest your money somehow, so that you have more when it's time to join the fun. Of course it leads to the many questions of how you should invest your money so that it actually works for you, and yet you can still turn all of it into cash quickly when you need to.
>Does getting into finance mean that I can live the NEET life while trading securities like those NEET characters that you see in anime?
Yes, but only if you post on a daily basis here.
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Wish I didn't put half of my savings into crypto. Oh well, I hope 5 years from now it's gonna get better or something.
Replies: >>142
>>141
Why did you not sell when it was high?
Replies: >>143
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>>142
Because I'm a retard who bought at near ATH.
I'm interested in getting invested into silver, probably around less than 250$ to start off. Do you have any advice for me, /finance/? Also for some reason, I tried posting 2 images of silver bars and rounds and trashchan kept telling me that it was corrupted or unsupported.
Replies: >>264
>>262
Silver market is very volatile, so use that to your advantage. Buy only when prices are low. Currenly the bid/ask prices are $23.52/$23.62 and that's not low enough for me to consider buying (the last time I bought was in August). You can examine the historical price graphs (for example, on kitco.com) of this year and last year to see where the dips were and get a general idea of price fluctuations. I also bought the dip in March of this year, and last fall.
If you're buying from online dealers, you can sometimes get free shipping if you buy above a certain amount (varies between dealers).
Look for deals and specials too. They sometimes have sales. Like for example, one dealer I buy from put their 2023 somalian elephant coins on sale not long ago, because they were trying to move the old stock (to replace them with new 2024 coins). I've seen another dealer do something similar with krugerrands last November. Anyway there's often some kind of deal or sale, if you search around enough. And if you can find such deals when silver spot prices are low, then you'll do well.
List of notable dealers here (make sure to compare prices):
https://pastebin.com/gZfZHtNE
The WEF wants to take away your coffee.
https://www.youtube.com/watch?v=x_Bx9q6Vs9g
Smug is down. Trash is up, but possibly without files. What is everyone up to?
I was thinking about silver but then having a look is giving me strange kinda vibes. The market rate says 18 an oz but then I see people willing to pay +25 an oz for it, so that it looks as though either the market rate is being manipulated or there are numismatic premiums and taxes that are bumping the willingness of these collectors up.

Then I see Britannic dud silver, the kind that was 0.500 grade for historic reasons because of the war time shortages and things and I see some for very cheap. I wonder then can't I just buy the quite debased alloy and treat it as half it's marked weight? Is it too easy to buy fake ones if the alloy contains that much temper in it? Should I overlook historic coins because they are hard to trade in?

I will ask a gold and silver merchant at some point but the eternal anglo in me makes me want to take bits of our history and start a collection for it.
Replies: >>320
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>>319
Yes, the silver market is very manipulated. There are hundreds of paper contracts being traded for every troy ounce of silver that actually exists in COMEX. The prices of physical silver will remain low (and thus a bargain) so long as they can keep up this game, which relies mainly on their ability to print unlimited amounts of fiat currency Federal Reserve notes. We're reaching the end stages of this game, since other  countries (BRICS) have already abandonned the petrodollar and are trading oil in other currencies.
But besides that, there are also taxes on physical silver in many countries. England is particularly bad about this, to the point where a lot of people just buy gold instead. In the US and EU it's not nearly as bad.
Numismatic fakes are something to watch out for, but it's pretty easy to test them with just a magnet, calipers, and precision scale. That's enough to tell silver coins from other metals. More advanced fakes that are actually made with 90% silver alloy probably exist for high-value numismatics like Morgan dollars with key dates, but you don't have to care about that if you're simply buying coins for their silver content.
However, 50% is pretty low-grade silver, and you shouldn't buy those unless you're getting them for a very low price (well below spot). If you're actually paying close to spot price or higher, don't settle for less than 80% silver. The lower grades are harder to refine (requires more time & energy), so they'll never fetch as good a price when selling.
I recently bought a kilo of these 5 gram .835 swiss coins, because the dealer had them marked down at 2.95 euros. That comes out to ~ 21.97 euros/ozt, which was a little above spot. Not a bad price for these particular coins, but it's possible to do better if pure weight is the goal. A couple months ago, the same dealer had .900 french commemorative 100 Francs coins for nearly spot price, but I didn't buy simply because I'm not that much of fan of some of their designs. Well some are ok, but they'd be sending me random coins, no choice on my part...
Replies: >>430
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.
<Those are the inputs that change returns. Whether the dollar prints 96 or 102 next quarter will not meaningfully alter the investment case for a diversified, dollar-denominated portfolio. However, the dollar is not collapsing or being replaced; it is simply being repriced. There is a very large difference between the two, and that difference is where investor attention belongs.

>Gold outlook stalls amid war inflation 
https://archive.ph/SnxQt
<Gold prices are projected to fall short of the previous forecast of US$6,000 an ounce for this year as war-induced inflation has lowered the possibility that global central banks will slash their interest rates as Middle East peace talks stalled, say gold and currency traders.
<Bullion fell to a three-week low on Tuesday, quoted at $4,628.88 per ounce in early trade, down 1.1% from the previous session. The price slipped below $4,700 on Monday as elevated oil prices kept inflation concerns high, according to Hua Seng Heng Futures Co.
<The market now widely expects the US Federal Reserve to maintain the fed funds rate at 3.50-3.75% at its meeting on Wednesday, given how the Iran crisis has altered the interest rate outlook.
<The Bank of Thailand's Monetary Policy Committee is likely to follow suit as elevated energy prices pressure the net oil importer to curb its inflation.
<"We now see gold as possibly falling to $4,600 in the near term as the US and Iran are unlikely to reach an agreement that could end the Middle East conflicts, while the Strait of Hormuz remains blocked," said Siriluck Pakotiprapha, vice-president of Hua Seng Heng's research department.

>OPEC Just Signaled A Historic Gold Tailwind
https://archive.ph/h0SfP
<The UAE, one of America’s biggest allies, just ended its OPEC membership while simultaneously announcing to the U.S. Treasury Department that it may begin to sell its oil in other currencies.
<...
<In short, the combined forces of 1) a debased and weaponized dollar, 2) a negative real-yielding UST, 3) undeniable de-dollarization trends, 4) unsustainable U.S. public debt levels, 5) a disastrous war in Iran, and 6) a now openly failing Petrodollar make it obvious (rather than debatable) that demand for, and trust in, the USD is tanking.
<This slow, but oh-so predictable devolution from U.S. superpower and super-currency to a debt-desperate, debased fall is as old and familiar as history itself, a cycle I explained years ago.
<Without a powerful Petrodollar to absorb its inflated and over-expanded Greenback, America’s economic and currency fall will only accelerate going forward.
<As the world (and that includes a crumbling OPEC) increasingly turns its back on USDs and USTs, American bond yields and U.S. debt levels will rise as USD purchasing power falls, creating the perfect setup for more mouse-clicked trillions and a stagflation backdrop of historic proportions.
<The inevitable monetary and fiscal “accommodation” (i.e., money printing) to “support” a tanking Main Street economy and entirely Fed-centralized S&P will only accelerate the debasement of an already openly debased USD.
<This dollar expansion/debasement will act as a massive tailwind to gold in the years to come.
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