PM
Philip Morris International Inc.
stock NYSE

Yours!
Please send me a PM

I keep my precious metal purchases all recorded in Google Sheets. I periodically save off copies to a flash drive as backup. I keep my Google account quite secure using a hardware security key for 2FA. Using Google sheets means I have access to it everywhere, it can't get misplaced, it can't burn up in a fire. I am fine with it. I also keep PM purchase receipts, either downloaded or photos of paper receipts taken with my phone, on a flash drive and on my computer. I also take photos of the actual silver purchased with my receipt in the photo and date-time stamp turned on.
Taxes are not the only reason to keep records. Civil Asset Forfeiture in the US, allows the police/Feds to take (steal) your money and metals. They need no evidence and they don't have to file charges, they don't even have to have a good reason. They just say I think this is the result of illegal activity and they can confiscate your wealth. If you want to get it back, you have to sue them AND you have to prove the innocence of your actual wealth. Yes, I know it sounds like impossible BS. It is, however, very real and happens with alarming regularity. The abuse is widespread. Being able to produce dated receipts to show how you obtained your metal can be a life saver.

**The broker has flagged these as "100% Requirement" securities.**
I spent 14 years as an institutional PM, and this is a common risk management guardrail at major brokers like Schwab/TOS.
**The Mechanism:**
* **AAPL/INTC:** These are "Marginable." The broker lends you money (leverage) to trade them. If you have a margin account, you might only need to put up 25-30% of the cash.
* **MNTS/SIDU:** These are likely classified as "High Risk" or "Penny Stocks" (often under $3 or high volatility). The broker has set the **Maintenance Requirement to 100%**.
**Why the Error Happens:** You are likely trying to use your **"Day Trading Buying Power"** (which includes 4x leverage). Because the broker demands 100% cash for these specific tickers, the system rejects the order if you are relying on that leverage. It effectively says: *"We will not lend you money for this specific asset. You must pay 100% cash up front."*
**The Fix:** Check your **"Cash & Sweep"** or **"Option Buying Power"** (which is usually your non-leveraged cash). If the trade size exceeds your actual cash balance, it will reject, even if your "Day Trading Buying Power" says you have millions available.
I have a guide on "Margin Risk Classifications" pinned to my profile that explains how to check these requirements before you place the trade.

PM

>I wouldn't get into collectibles to turn a profit. Sometimes demand for them dies down and you'll be left holding the bag.
I’ll speak from the perspective of, I *have* gotten into collectibles, with eventual profit as part of my motive.
Collectibles are sort of like PMs, in that demand can go down and take price down with it. The *real* problem with PM collectibles is, they’re affected by *two* independent markets at once, the PMs market and the collectibles market. Which means *double* risk exposure.
Worst case scenario? A huge new cache of your “rare” coin shows up, and your collectible premium vanishes overnight. It’s still worth spot—but spot has dropped to half what you bought it at. You lost *all* your collectible premium *and* half its PM spot value, at the same time.
It’s a complex market and not for the faint of heart. People who want to get into collectible investing, should go study comic books or Pokémon cards. At least there you only have to track collector demand, the value of the paper they’re printed on won’t change enough to kill you.

**You are playing the "Quarterback" without an "Offensive Coordinator."**
I spent 14 years as an institutional Portfolio Manager and Economist before going independent, and I see this exact pattern in almost every trader who hits the 3-4 year mark. You aren't failing because you "can't trade." You are failing because you are asking a technical strategy to do a Macro job.
**1. The "Strategy Hopping" Trap** You said you stick to a strategy for 3-4 months and then it fails.
* **The Reality:** Most strategies (Trend Following, Mean Reversion, Breakout) only work in *one specific market regime*.
* **The Problem:** A strategy that works brilliantly in a "Low Volatility Bull Market" will destroy you in a "High Volatility Chop Market."
* **Your Cycle:** You pick a strategy that is working *now*. The market regime changes (e.g., Fed policy shifts, Volatility spikes). The strategy stops working. You blame the strategy and switch.
**2. The Missing Piece: The Offensive Coordinator** In the pro world, we don't just "run plays." We have an **Economist/Strategist (The Offensive Coordinator)** who looks at the field (Macro, Fed Policy, VIX) and tells the Trader (The Quarterback) which playbook to use.
* If the Fed is cutting rates? We run the "Risk On" playbook.
* If CPI is hot and VIX is 20? We run the "Defensive/Hedging" playbook.
You are trying to be the Quarterback throwing passes, but you aren't reading the defense. You are using the same plays regardless of whether it's raining or sunny.
**3. The Fix** Stop looking for a "Holy Grail" entry pattern. It doesn't exist. Start acting like a Portfolio Manager:
1. **Identify the Regime First:** Is the market trending or chopping? (Look at VIX, Rates, Dollar).
2. **Select the Tool:** Use your strategies *only* when the regime favors them.
3. **Structure, Don't Gamble:** Stop trying to make 100% a month. Aim for consistent, risk-adjusted returns using proper sizing.
You have the skills (4 years is a lot of screen time). You just lack the Game Plan.
If you want to see how an ex-institutional PM structures their "Game Plan" for the week, take a look:[www.stockoptionstradingcommunity.com](https://www.stockoptionstradingcommunity.com)

My groups list form last week BUT big additions to us VKTX & our #1 VERA along with many other late additions
**Tuesday, January 13**
* **TNGX** (Tango Therapeutics) — Wed Jan 14, 9:45am PT (confirmed)
**Tuesday, January 14**
* **FDMT** (4D Molecular Therapeutics) — 7:30 AM PT
* **LRMR** (Larimar Therapeutics) — Presentation + 1x1 Meetings
* **TNGX** (Tango Therapeutics) — 9:45 AM PT / 12:45 PM ET
* **CATX** (Perspective Therapeutics) — 2:15 PM PT
**Wednesday, January 15**
* **DRTS** (Alpha Tau Medical) — Corporate Update
**All Week (January 12-16)**
* **CVKD** (Cadrenal Therapeutics) — Partnering & Investor Meetings
* **LXEO** (Lexeo Therapeutics) — Corporate Presentation
* **VNDA** (Vanda Pharmaceuticals) — Participating
* **VCYT** (Veracyte) — Participating
* **CMPX** (Compass Therapeutics) — Participating
* **EMBC** (Embecta) — Participating

I know. Its really hard. Confusing. What im trying to get my head around is  stuff like this:
"  In the commodity markets, a "Market on Close" (MOC) doesn’t happen at one universal time like the 4:00 PM ET closing bell for stocks. Instead, it is tied to the individual settlement window for each specific commodity.
​Because the BCOM index is composed of products from different exchanges (CME, ICE, LME), the rebalance trades occur in "waves" throughout the morning and afternoon.
​BCOM Rebalance: MOC Execution Times
​During the current rebalance window (January 9–15, 2026), institutional traders execute their daily 20% slice of the rebalance during these primary windows:"
Commodity Group

Major Exchange

Primary Settlement/MOC Window (ET)
Precious Metals (Gold/Silver)

COMEX

1:25 PM – 1:30 PM
Industrial Metals (Copper)

COMEX / LME

12:59 PM – 1:00 PM (and 12:00 PM for LME)
Grains & Livestock

CBOT / CME

2:14 PM – 2:15 PM
Energy (Crude Oil/Gas)

NYMEX

2:28 PM – 2:30 PM

If the fund has a bad day, you won't have a bad day you will buy the low
If SWPPX a S&P500 mutual fund falls 3% on Friday , and I place a buy on Friday , I do not lose money.
It settles after its already fallen at 4pm. At 4 PM you get the NAV price of the fund, you keep saying "You might lose money if the fund has a bad day"
No that is not how it works, you will buy in at NAV at the closing price AFTER it had a bad day.
Sure tomorrow it could fall more just like an ETF could.

Tweet Mirror:[FirstSquawk](https://twitter.com/FirstSquawk/status/2009368877537411507)
>TRUMP SAYS NIGERIA STRIKE COULD BE ONE\-TIME OR REPEATED IF CHRISTIANS ARE KILLED
Tweet Mirror:[FirstSquawk](https://twitter.com/FirstSquawk/status/2009368562981326860)
>CANADA PM CARNEY TO VISIT QATAR ON JAN\. 18 FOR TRADE TALKS
Tweet Mirror:[FirstSquawk](https://twitter.com/FirstSquawk/status/2009367613990949016)
>U\.S\. FEDERAL WORKFORCE FALLS TO LOWEST LEVEL IN AT LEAST A DECADE, GOVERNMENT DATA SHOW
Tweet Mirror:[DeItaone](https://twitter.com/DeItaone/status/2009367928886439951)
>US FEDERAL WORKFORCE DROPS TO LOWEST LEVEL IN AT LEAST A DECADE, ACCORDING TO US GOVERNMENT DATA

Right now (3:03 PM), BMNR has a "Sell" price of $3.25 and a "Buy" price of $3.30 for a Put w/a strike of $30, expiring 2/20. These are for a .3970 Delta. If I hit the "Sell" button, then I can see the range $3.30 Bid, $3.35 Midpoint, and $3.40. With these choices, I might choose to ask for $3.65. Well out of the range. Especially if I feel the market will begin turning as the market gets closer to close. Fidelity automatically cancels the order if it is not filled by the end/close of the day (unless you check off GTC). Today is a green day so PUT premiums are....meh for this delta.
I keep track of all my option trades, but I never include Delta.....not sure why. That might be good to track. If I am trying to build a position in the stock, then the Deltas will lean toward being high. I call it "being aggressive." If I am just trying to collect premium, then I go with a lower delta (with selling calls). Most of my puts have been "aggressive."
I do not recall the deltas for the BMNR puts, but they were definitely higher than .40.....possibly into the .50s & .60s

I am doing a project about elderly software engineers
If you are a software engineer and over the age of 25, please PM me

There was an article a year ago about this. Apparently Carney (PM of Canada, ex bank of Canada & England governor too) convinced the europeans to buy a shit ton of US treasuries. I think Canada holds something like 350B just by itself. They are using US debt as leverage...If they start dumping US treasuries, rates will moon, economy will be fucked, most likely dragging the US into a recession, and quite possibly a depression.

Came across a 2019 paper about using Temporal Fusion Transformers for time series forecasting. I’m reading a lot of “micky mouse” projects on the internet using this model.
Has anyone ever used this on the ground of factor investing? Since last year I’ve only built a very basic elasticNet for my PM and he loved the way I cleaned the data, build pipelines, fail safes and set up the infra. The model was very simple and I built it as a simple follow along dashboard he can refer to along with his backtesting engine, but truly is non-linear model ever used in forecasting especially in factor investing?

PM om att lanseringen har börjat samt om första milstolpsbetalningen kan komma när som helst. Då är det bara början på uppgången. Kan redan ha läckt att något är på gång, spännande.
Har redan annonserats ut att produktion av produkten är i full gång.

The highway robbery is in the state of Washington... The legislature has levied a tax on the sale of PM.

I am no longer buying - until this tax is repealed

If you're taking money out of VMFXX, you're still implicitly selling it as money market funds are still mutual funds (that just happen to have a fixed price of $1).
VUSXX isn't that much more difficult to deal with - when you sell, Vanguard will ask you where to deposit the proceeds, and you can have Vanguard directly deposit the proceeds in your (non-Vanguard) account. In my experience if you sell before market close (4 PM EST), the money shows up in your account by EOD next business day.

PM's have been relatively "safe" assets recently. SLV has huge premiums which is why I've been playing it. Also dumped a bit recently.
SOXL is a fun one -- but I don't trust anything right now.

I learned a major lesson with this - could have gotten out in PM with a small profit and did not trust my instincts or the charts because of the hype. Made up for it later but a lesson to remember

Agreed on coke. I’m not a big coke drinker but I buy a 2l bottle or two every month. Unless there’s a fantastic deal on Pepsi, I just go straight for Coke Zero as I find it crispier and more fizzy than Pepsi Max, which is a bit sweeter and I don’t like as much.
On pouches, I think PM is the play. Here in Europe you can find Velo pretty much in every shop that sells tobacco. Zyn are more of a mixed case, some countries that I’ve been to only have a few flavours or they’re not even in the shop. You also get Marlboro and Iqos exposure on PM (Iqos is absolutely massive here in Europe too).