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This is gonna sound very not PC, but Nike's messaging does not fly in Asian cultures at all. This is a market that will publicly shame you for being in the high range of the "healthy weight" of the BMI.
https://preview.redd.it/w6t7lk44uxsh1.png?width=614&format=png&auto=webp&s=578da7704319d2c6c9a2e9fcc9f30848a2223fac

Generic investment advice
First, you should pay off your bad debts—especially credit cards with interest rates of 18% or more. You will never get a better return than paying those off, compared to any other investment. Also, paying off other high-interest debts should be a priority.
Second, you should build an emergency fund. It’s usually recommended to keep 3 to 6 months’ worth of expenses in a high-interest savings account in case you lose your job, get sick, or face an emergency (Wealthsimple, Oaken Financials, Canadian Tire Bank or PC Financial offer higher interest rate than regular banks). The goal is to have money readily available at any time if needed. Some people prefer to put this amount in the ETF like CASH, CSAV or PSA, which pays interest monthly.
After that, the type of investment you choose will depend on your investment goal. If you’re investing for less than 5 years, it’s better to put the money into a safer investment, such as a high-interest savings account, a money market fund (like ZMMK or CBIL or TBIL), a short-term bond fund (like ZST or ZST.L), or a GIC. The longer your investment horizon, the more risk you can take, since you’ll have more time for your investments to recover after a major drop.
If you’re investing for more than 8 years, you can look at stocks and bonds. The larger the portion of bonds in your portfolio, the less it will fluctuate (big ups and downs), but your return will generally be lower than if you had a larger portion of stocks. There are several ways to invest in these types of assets. You can invest in a mutual fund that combines stocks and bonds according to your risk tolerance, but management fees range from 1% to 2.5% (amount deducted every year from your invested amount by the financial institution). Alternatively, you can invest with a robo-advisor, where management fees are around 0.2% to 0.6%, which leaves more money in your pocket than a mutual fund. Robo-advisors build a portfolio of index funds and automatically rebalance it for you. Here’s a list of robo-advisors available in Canada: [https://www.ratehub.ca/investing/robo-advisors](https://www.ratehub.ca/investing/robo-advisors)
Another option is to invest on your own in all-in-one index funds such as XBAL/VBAL/ZBAL (60% stocks / 40% bonds), XGRO/VGRO/ZGRO (80% stocks / 20% bonds), or XEQT/VEQT/ZEQT (100% stocks / 0% bonds). The management fees for an all-in-one ETF are around 0.17% to 0.20%, so they’re even cheaper than robo-advisors, though slightly more effort (but not much). For this last option, you’ll need a brokerage account. Disnat from Desjardins, National Bank Direct Brokerage, Wealthsimple, Qtrade and Questrade offer commission-free brokerage accounts for index funds. Here’s a list of the main all-in-one index funds in Canada: [https://canadiancouchpotato.com/model-portfolios/](https://canadiancouchpotato.com/model-portfolios/)
You can also do this Vanguard risk tolerance test, if you want to know what profile is right for you (% of stocks and % of bonds):
[https://investor.vanguard.com/tools-calculators/investor-questionnaire](https://investor.vanguard.com/tools-calculators/investor-questionnaire)
You can read the book "From Zero to millionaire" by Nicolas Bérubé or "The Wealthy Barber" by David Chilton (2025 edition), it explains how to invest effectively in diversified low cost index funds.

I have been trading now for a few years. I never gave up, and one day I became profitable. But it was a long way, even with breaks.
I started with demo trading and tested 100s of strategies, but none worked for me. So I started to put something together that worked for me.
It took around 3 years of only demo trading. I made every mistake I could. At some point, I treated it like a game, lol.
When I started to become profitable, ohh, people, there were a lot more new mistakes. So just know, even if you can trade on a demo account, trading with real money is a different beast.
So I became profitable, but I didn't want to sit in front of the PC all day. So I started with EAs.
Uhhh, there are so many fakes out there, and most of them just work under certain conditions or on certain markets.
So I decided to make my own EAs. I have over 100 now, testing YouTube strategies and so on. At some point, I realised EAs need the same or even more work before they work. You need to find the right market, the right conditions and so on.
Many use martingale or grid trading, scalping and so on. They are fine until they kill the account or go too many times into max drawdown and lose all your wins.
That's also a nice tip: Winning? Don't let the money stay in your account.
If you work with a small account, double it and take 25% out, and do it again. This way, you are on a good side even if you lose someday. You should have enough money to start over.
I also risk around 1% per trade, so you need over 300 trades in a row to get a margin call. Also, you need just 1–3 trades a day to win for good monthly profit.
If you win every day with a 1/1 risk-reward and risk 1%, you make around 30% a month.
Also, at a certain point, you start to lower your risk because your account is big enough.
I can just recommend going with the trend. Higher to lower timeframe trend confirmation was what changed my trading.
So because I was unhappy with EAs, I have some that work, but you cannot let them run alone. So I looked for other solutions.
At the moment, I am training an AI brain at home because I wanted something that can react to all market situations.
I think it is important to go with new technologies, or you stay behind in trading.
Also, many see trading as a hobby: learn a strategy, make money and everything is fine.
No, it is not that simple. You learn a complete business. You need to know taxes and so on. It is a real business, and you have to pay tax.
There is a lot more I can write, but I hope that gives a bit of an overview of what you are getting into.
There are some shortcuts, with coaches, but there are also a lot of black sheep out there.
So if you choose someone where you have to pay, you need to at least see that he still trades live. You can look over his shoulder or watch a live stream. It must be a real account, not a demo.
A track record of a minimum of 2 years, for example on Myfxbook.com or something like that, and he should give you a guest account to see his real performance.
Without a guest account, he can show you every account he wants. You have no proof that it is his account.
Don't believe screenshots. Don't believe someone who says 100% win rate.
When it is too good to be true, your alarm should go off!
Prop Firms
Prop firms, I don't say they are bad, but only the very big accounts are worth it.
Because you invest like 100 bucks to get a 5,000k account with 3% drawdown, daily and overall drawdown from 5%.
So if you don't want to lose this account, you have just the 5% as trading capital in reality.
Think about it: you have in reality 250 bucks around to trade, and you invested 100 bucks.
So you need the big accounts to really make money.
Also think: you invest 100 bucks, you do everything right, but have a losing streak. Yeah, your 100 bucks are gone, right?
But think: if you choose a cent broker, you have, for example, 10,000 cents to trade.
You trade 1% — yeah, it is just 1 Euro, but it is a good start in many things.
You learn to handle emotions, you grow with the account, and you can lose max 1,200 bucks a year or grow your account.
Because you use the 1% risk, your account grows fast if you win just one trade daily at 1%.
Because your account grows, the 1% grows too.
As an example, you start with 100 bucks, keep the 1% rule and can make it to a 30% growth monthly.
And if you put another 100 bucks in every month, you will see how fast you grow.
130 after month one. Put 100 in, you are at 230. The next month you are around 330 plus your 100, so you are already over 400 bucks, and so on.
That is only by winning a 1/1 risk-reward trade with 1% risk.
And now think: do you really want a prop firm where you lose everything with one big mistake, or the market gives you a losing streak?
Or do you want to keep your account and need over 300 trades to lose your account?
Prop firms are not bad, but only for people who can afford the biggest account and know what they are doing.
Hmm, where was I?
Yeah, so don't treat it like a hobby.
Also, statistics are important to see your trading and maybe see patterns.
For example, I had a strategy that I traded day in and day out, but realised because I had statistics that the strategy worked best at night when the market was not that active.
That's just one of many things you will find out by writing every trade down with the time and so on.
Also, many lower-timeframe traders don't look at the news. Very wrong.
You need to know the news events. It will destroy your profit if you trade there.
Also, this helps you to make trade decisions later, because you learn more and more about your currency or whatever you trade.
Also, just start with one chart, one currency. That's it.
Learn everything about it.
For example, average daily range, what news influences it, look back in history and so on.
Master one before you move to another one.
If you find a strategy, trade it in demo for a minimum of 3 months to learn the ins and outs of it and get the experience.
Don't stop after a month because you had a bad week where you lost and think this strategy doesn't work.
It takes time to understand a strategy, to see bad and good setups and so on.
I know this is a lot of information, but I hope it helps a bit.

I use passkeys on my PC all the time and save them in lastpass.

AI Spending is going to skyrocket more than ever before; it's going to be unlike anything we have ever seen before, way beyond the PC and Mobile Phone revolutions. When I see posts like yours, I just understand it's because you have not yet seen the potential of the currently available models ( forget the future developments), when used by someone who knows what they are doing. I would say they have not even touched 1% of their potential market, and we are already at 70 billion. It's insane

Es kommt auf den Händler an. Habe mein Handy jetzt auch vor nen paar Monaten mit 0% finanziert, weil warum nicht (hätte es auch so zahlen können, aber ist ja planbar und weg gibt es halt keine Rendite)
Vor ein paar Jahren das gleiche mit dem PC.
Also wenn möglich, nutze ich das schon, wenn es 3-stellig wird und nie mehr als eine Sache.

Ich hab mit 25 das erste "neue" Auto selbstverständlich auch auf Kredit gekauft. Hatte da noch nicht gespart.
Für mich war das absolut normal und selbstverständlich. Tageszulassung. Das war halt einfach eine Alternative Zahlungsmöglichkeit.
Zu diesem Zeitpunkt hatte ich aber auch nahezu gar keine finanzielle Bildung. Jetzt schäme ich mich tatsächlich ein wenig dafür.
Meine Schwägerin ist durch Schicksal an eine 6 stellige Summe gekommen. Das ist schon mehr als 10 Jahre her, aber das Geld war nach Erhalt nach ca 3 Jahren weg. Aber dafür Gaming PC fifa packs und anderes gedöhns. Ein Auto wurde 5 Jahre behalten obwohl es kein mal benutzt wurde.
Zwischenzeitlich hat sie geheiratet. Der Mann ist echt ne gute Seele, aber ziemlich dumm.
Und kürzlich haben sie ne playstation 5 pro gekauft auf pump. Sind ja nur paar Prozent Zinsen sagten sie. Die Handwerkerrechnung über 800 Euro kann sie aber nicht zahlen (ps5 und Handwerker gleicher Zeitraum) . Aber der Vermieter war so nett und hat sich auf eine Ratenzahlung eingelassen.
Letztens sagte sie, dass sie für gta 6 sparen müssen....
Tatsächlich hatte sich der Schaden, den der Handwerker behob, aufgrund Aufschieberitis im Umfang und Kosten verfielfacht. Gab aber kein Geld vorher angeblich.
Die Schwägerin hat oft Hilfe angeboten bekommen das in den Griff zu kriegen. Ne. Stattdessen hysterisch geworden. Wir hätten in ihren Finanzen nix verloren.
Meine Kinder, also ihre Neffen kriegen das, was gerade auf Temu im Angebot ist. Budget so ca 5 Euro.
Meiner Frau zuliebe halte ich mich verbal zurück, auch wenn sich für uns bereits durch Ihren schlechten Geldumgang einiges an Mehrarbeit für uns ergeben hat. Wenigstens stimmt mir meine Frau zu, dass wir finanziell nicht helfen werden.
Ich fürchte, dass gilt für die meisten Menschen. Auf Pump ist für die akzeptabel und normal. Begünstigt, aber auch oft verursacht durch schlechte Finanzbildung.

Ich könnte dir meinen PC verkaufen und Gewinn machen. Interesse?

Angenommen ich will viel konsumieren. Also was ist im Grunde egal: Einfamilienhaus, gutes Essen, TVs, Gaming PC, Games, schickes Auto, 3x im Jahr Urlaub fliegen...
Wie soll das "verdient" werden?

I actually am using a windows PC

Naja, in meiner alten Heimatstadt wohnte damals jeder in einem Einfamilienhaus mit Garten. Meine Eltern konnten mit einem Gehalt vier Personen ernähren, jedes Jahr mit allen in den Urlaub und problemlos ohne Hilfe der Eltern das in den 90ern gekaufte Haus aus den 70ern abbezahlen. 
Mein Vater hat eine Ausbildung, aber nichtmal in dem Beruf gearbeitet. Ich hingegen habe eine für meinen heutigen Beruf relevante Ausbildung gemacht, ein passendes Master-Studium absolviert, musste 500km umziehen und könnte mir ohne Kinder und weniger Urlaubsreisen trotzdem nicht das Haus meiner Eltern leisten, das seit dem Kauf kaum renoviert wurde und trotzdem extrem im Wert gestiegen ist. Da macht es auch keinen Unterschied, dass meine Eltern alle vier Jahre einen neuen PC kauften und ich mittlerweile beim achten Jahr bin.

The Market Is Overestimating Meta’s Muse. AI Isn’t Ready to Take Over Consumer Tasks
There’s been a lot of discussion about MUSE lately. My view is simple: \*\*the market is overestimating it. MUSE won’t fundamentally change the AI ecosystem, because AI agents still aren’t ready for mainstream consumer tasks.\*\*
Today is September 24, 2026. Come back in a few months and see if I’m wrong.
The post is quite long, here's key takeway to save ur time
• \*\*MUSE lowers the barrier to consumer AI agents.\*\* It makes existing PC-based agents easier to use, but doesn’t introduce a fundamentally new capability.
• \*\*MUSE can only amplify existing demand.\*\* If PC users haven’t already embraced agents for consumer tasks, lowering the barrier won’t create that demand.
• \*\*AI is still mainly an info advisor, not an executor.\*\* Even the most AI-enthusiastic users often research with AI but still handle the actual transaction themselves, as seen in the shopping-agent experiments by OpenAI and ByteDance.
• \*\*Consumer agents still struggle with long-task execution.\*\* They need to complete complex tasks with minimal human intervention, but four structural problems remain:
1. \*\*Web infrastructure:\*\* Websites are built for humans, not machines.
2. \*\*Reliability:\*\* AI still struggles with memory and hallucinations over long tasks.
3. \*\*Cost:\*\* Long-running agents consume too many tokens which priced too high to cover
4. \*\*Task complexity:\*\* Consumer tasks are highly non-standardized, making correctness difficult to evaluate and training harder than in B2B applications.
Overall, consumer agents still require major improvements in both technology and infrastructure. \*\*It’s more likely to follow the path Amazon took in e-commerce: start with a few verticals, solve the problems there, and gradually expand into everything else.\*\*
That’s why I think \*\*Zuckerberg’s strategy of building a general-purpose consumer agent from the start is misguided.\*\*
\*\*--------------------------------------here's the full post-----------------------------------------------\*\*
A simple question to testfiy my view to ask \*\*whether PC tech geeks are actually using Codex for everyday consumer tasks.\*\* They’re the most AI-friendly users and among the most willing to pay. If even they aren’t adopting agents, I don’t see why mainstream consumers would.
I’m not saying geeks haven’t embraced AI in their daily lives. \*\*They’re the most enthusiastic users.\*\* \*\*The problem is that they still mainly use AI as an information advisor.\*\* When it comes to actually making purchases, filling out forms, or completing transactions, they still do the execution themselves.
I’m fairly confident about this for two reasons. First, Sam Altman admitted in an August interview that even with a tool as powerful as Codex, he still can’t resist traditional computer workflows.
Second, OpenAI and ByteDance are arguably the strongest consumer AI players in their respective markets, and both are aggressively pushing shopping agents. Yet early results suggest that after using AI to research products, users often don’t complete the purchase through the agent. They go to consumer communities for more information or simply buy the product themselves.
\*\*That tells me even AI’s most enthusiastic users still aren’t ready to hand execution over to an agent.\*\*
\*\*MUSE mainly makes AI easier to use. But that’s just a demand multiplier. It doesn’t matter if the underlying use case isn’t compelling.\*\*
The real value of an agent is saving time on \*\*long, complicated tasks\*\*—planning a week-long trip, filing taxes, buying insurance, or doing the weekly grocery shopping. Cutting a 3-minute task to 30 seconds isn’t transformative; cutting a 3-hour task to 5 minutes is.
MUSE still struggles with the latter because of three problems:
\*\*1. The web wasn’t built for AI agents.\*\*
Websites are designed for humans, not machines. CAPTCHAs, bot detection and anti-automation systems actively get in the way.
More importantly, there’s no standardized way for websites to handle exceptions. If a hotel is sold out, one site may recommend another hotel, another may offer a cheaper room, and another may simply stop the process. An agent has no universal protocol for deciding what to do next, so it often has to ask a human.
For agents to really scale, merchants will need \*\*AI-specific APIs and standardized exception handling\*\*. That’s a massive infrastructure project.
Even in travel, Meta has connected major US airlines, but hotels, restaurants and ground transportation are still far from fully integrated.
\*\*2. AI is still unreliable on long tasks.\*\* Agents forget things, hallucinate, and lose track of steps. If users still have to check everything, much of the time-saving benefit disappears.
\*\*3. Token costs may kill the economics.\*\* Long-running agents consume far more tokens than simple queries, while consumers are less willing to pay than businesses.
\*\*4.B2B tasks are generally more standardized, while consumer needs are far more subjective.\*\* Coding is a good example: if the code runs, the task is usually done. Many office workflows can also be tested in a controlled environment with internal employees helping evaluate the results.
Consumer tasks are different. Whether a suit actually fits or looks good is something only the customer can judge. That makes consumer-agent training much slower. \*\*Early breakthroughs will have to come from highly standardized verticals.\*\*
\*\*Overall, consumer agents are more like early e-commerce: they require years of technical breakthroughs and infrastructure buildout, rather than an overnight, all-category breakthrough.\*\*
Amazon started with books before expanding into everything else. \*\*Consumer agents will likely need the same focused strategy. That’s why I think Zuckerberg’s attempt to sell a “do everything” consumer-agent story to the market is the wrong approach.\*\*
\*\*For now, I still think the biggest opportunity for consumer AI is advertising.\*\*
Come back in a few months and let’s see if I’m wrong.

I reset my PC and then this happened I really need help

As a non-American, the one thing I associated with Nike was elite sports.
If you said Nike 10 or 20 years ago, I would have imagined the NBA all-stars, Ronaldo, Serena Williams or Federer. You know, the best of the best.
If you say Nike today, the image my mind conjures is a middle aged obese woman. Because that's practically the only messaging/advertising I seem to remember. I was in Paris some years ago and the Louvre, as it was covered by scaffolding due to renovations, displayed a giant obese lady in Nike clothes that seemed too tight for the role. It was kind of absurdly comical and out of place (I mean, already a giant Nike commercial on the Louvre is out of place).
I understand that obese people are a large segment of the market. But I think most people want to buy sports brands because they are cool -- they are worn by the best of the best, the elite. A sporty person and an obese person may both buy Nike because of the association with elite athleticism. After all, we all aspire to be, or are inspired by, phenomenal athletes. But a brand that mainly markets on inclusivity? Obese people may give it a try as it speaks to them, but the rest of us don't aspire to be obese, it's not the image we want to be associated with. I'm all for inclusivity, but unless Nike wants to shift their customer base to predominately unsporty people, I don't see it as a good step forward.
It's kind of like all those edgy gamer brands. Like Razer or whatnot. You know, copious RGB, elite performance, and how the best E-sports teams and players are using their products. If tomorrow these brands start to advertise with my aunt playing Mahjong on the family PC, as inclusive as this may be, I think it's the end of the brand.
Anyway, that's why I personally am not really too bullish on Nike.

Yes, for people with disposable income to buy an expensive gaming PC. It seems like everyone has this on Reddit, but I'm not sure how true it is of the population at large.

$449 for modded 2080ti with 22gb vram. You're probably thinking of modded 3080 with 20gb vram.
>It would be $2500-$3000 even for a DDR4 used platform for them.
Idk how you get to 2.5k. Let's just round 2 2080tis to 1k. All you need is a ddr4 PC that has 2 pcie slots. Literally any PC can work since you'll be loading it all to vram anyways.
Altho if you are really tight on money and want to focus purely on budget you can't ever beat datacenters since they get cheaper electricity and can batch requests so it's cheaper per token.

Ich würde sagen zu zahlst Internet sie zahlt Strom. Dann PC laufen lassen zum Bitcoin minen

The Problem with Backtest, you need good Data, Minimum includet, spread and more depending ON your Strategy. Here Starts the First Problem getting good Data.
Next Backtest even with good Data dosent Garant Same results in the Future, Market Changes, world Changes, so Markets can over time Change Dramatik, so a Long Backtest say 10 years give you an average settings what you can use If you Just want let Run your EA as example, but If you realy Wanne Go good Backtest 1-3 mont evry end of month to See the Changes and afopt to the Market.
IT IS more profitable and you Go with the Market Changes.
Other cases IS you train a lokal ki\brain then IT IS importent to have as much Data you can get and let IT learn from that, because over the many years there will BE alot of Changes and the KI/brain will learn to adopt to Market Changes. But thats for peopel Like me WHO train KI that Runs lokal ON PC to trade for me.
So IT realy depends what you want to Test. Just think what you realy need Logic because Most peopel dont do that, they hear from somone Test your EA for 10 years, and you do IT, you get the average settings, but Not the best settings from the Moment and you dont adopt to the Market.
So think about that First.
Hope this has helped you abit.

I think those of us who are on Zerodha when it was the only game in town for discount, app-first, broker, are quite well versed in the app and in the market.
These new-age fintechs really have well designed UIs that are very noob-friendly and welcoming, with features and detailed options introduced in slow and conscious increments.
It's like PC vs Mac. Power users think PC is the most natural thing and Mac is just dumb. Laypersons feel Mac is user friendly and PC is complicated.

This is gonna sound very not PC, but Nike's messaging does not fly in Asian cultures at all. This is a market that will publicly shame you for being in the high range of the "healthy weight" of the BMI.
https://preview.redd.it/w6t7lk44uxsh1.png?width=614&format=png&auto=webp&s=578da7704319d2c6c9a2e9fcc9f30848a2223fac