IMO
Imperial Oil Limited
stock NYSEAMERICAN

The bigger the bar the lower the premium in my experience. He should stay away from getting anything classy at least in the beginning…I made that mistake initially. IMO go for most value for weight (which is probably 90% junk silver right now). You can’t argue weight when it’s time to sell near as much as you can argue condition and rarity.
There is talk that 90% junk isn’t being accepted by dealers right now or if it is they are only offering well below spot. I was able to catch up with my very honest dealer today and he thinks that problem will go away soon once melting of pure dries up, so right now junk is probably most value. And the bags are fun to go through sometimes you find a hidden gem.

Diversify your holdings. If you buy a memecoin, also buy something that institutions are buying up. Have some cash (like USDC via ETH blockchain where you can earn some interest) on the sidelines to hold onto for the next time we get a crash. Each crash becomes a buying opportunity IMO.

At least $4 IMO

IMO, this is caused by some of the corporate rules at VG. They push hard for people your age to be invested safely by being bond heavy. I push back on my VG advisor all the time on this. This is working within the rules of guidance of VG. I feel the same way you do. VG is too conservative and push to have a bond heavy portfolio. If you feel strongly, you have to push back and say no, this is not how we want our money invested. We want this money to be at this ratio or in this investment. The key is to tell them you only need x (small number) during retirement (so you already hit your goal and don't need the 800k at all) and / or you want to set up a separate bucket for your kids and not for use by you. That being said, be sure you know what you are doing. They have a pretty smart group of experts there. I am a bit younger than you had have 75 - 25 ratio and for my second bucket at 90 -10 ratio. My real estate is what I consider a conservative investment, plus, we have more than you and we don't spend much.

Perhaps, but in my opinion (not always the most popular) the fundamental value of BTC is the expectation that someone will buy it from you at the same or higher value when you are ready to sell. Beyond that, I see very little or no 'fundamental' value.
Gamblers are right to be jumpy IMO, if a snowball fall starts it could get REALLY ugly quickly. Spikes fed by optimimism of continued rises feed themselves very well (all the self congratuations amplified by others who desire it to rise helps) so there is that and it has been able to hold a dominant position for quite a while - unless enough folks have to sell for some reason or a downward spiral starts it could well keep going for quite a while.

I am not an IMO medalist and I have my final interview next week. Your arrogance probably explains why you didn’t get past the behavioral OA.

I didn't run outta dry powder, 100% buying (all these) dips. If it keeps going, I will definitely run out unless I get some surprise income! Don't gamble on your mortgage or loans, people... this could go lower for months... unlikely IMO.

Based on what I was reading, I was very, very concerned about this Fidelity/Quicken migration from DirectConnect (where Quicken on my PC interacts directly with Fidelity) to EWC+ (where Intuit servers (aggregrator) retrieve and hold all the info from my FIs and then sometime later, my Quicken/PC connects to INTUIT servers and downloads the info).
One thing I do appreciate is the with EWC+, they don't store my userid/password. It is just used to get a get a token that gives them read-only access to the account transactions.
I waited until the zzz-DC connections would no longer allow me to download Fidelity transactions and then walked through the migration. That finally happened yesterday. As retirees, we do virtually everything through Fidelity. I was very concerned. Some of this (being aware that Fidelity maintains closed accounts and disabling the download auto-add to register) when doing the migration.
What I did was:
1) Reconciled all of our accounts
2) Created a .pdf and .xslx reports showing all of our accounts and balances
3) Made a list of all of my family's Fidelity accounts and account numbers.
4) Made sure that all of the old accounts still present in Quicken (for historical purposes) were deactivated and closed. For us, that is quite a few because earlier this year, Fidelity's Fraud dept insisted that they needed to close all the accounts and transfer to new ones.
5) Updated Quicken/Windows/Premier from R64.29 to the latest R64.30
6) Clicked OSU and initiated the cutover to EWC+
With 10 active Fidelity accounts, I was a little worried able how long the process was taking but it finally finished. I have a couple of observations that may help people.
1) Once Intuit/EWC+ begin to compile the info, it presented a large number 25+ accounts that I needed to walk through and indicate how each should handled. That list was quite long which is why I prepared item (3). FYI - If an account has been closed or moved, Fidelity still retains them available for at least 7-10 years. The list of accounts presented was over twice as large as our active accounts. I had to be very careful about which accounts I tagged to <ignore>; which ones I said to <create>=none; and which ones I said to <link> to existing Q accounts (and which Q account to link it into). IMO, it is critical to get this right.
2) After that input, Q spun for quite a while, Q can back with basically 2-3 months of transaction history in the as downloaded transactions. They were ALL already in the register as reconciled transactions with the right dates and amounts but the initial transaction download process presented them all as <new> (not <matched>) transactions. In the <downloaded transaction area> I did have to go through them all and <EDIT><DELETE><OK> them all. But, they were never added into the real account register. If they had been, that would have been hell to go through there and find/delete all of the duplicate transactions.
3) Went through and validated all of the balances and holdings.
4) Until you resolve all the accounts in Quicken that have online-downloads turned on, Quicken continues to ask you to reconnect each time you download. For us, it looks like it has been successfully.
WARNING: In <Edit><Preferences><downloads> there are settings that will cause Quicken to automatically enter all downloaded transactions into your account and investment registers. If I had the turned on, all of those duplicate transactions would have been automatically recorded in the account/investment register and all of the holdings and balances would have been trashed. I would encourage you to turn those features off during this conversion and maybe forever.

>Inflation wouldn’t have hit us as badly as it did if he actually did what you are saying and raised rates immediately when CPI went up
I don't know about this.
Rate hikes hit people who are borrowing to buy xyz thing and don't borrow the money because the rate is higher. Hiking rates certainty had an affect on the housing market, people who would have bought with a 3 or 4 percent interest rate didn't buy because the interest rate was 7 or 8 percent.
Cars were probably affected a little by the interest rate hike but car rates are just generally higher and had less proportional movement. New cars aren't cheaper than they were in late 2021. We are also still seeing the affect of less 2020 and 2021 model year cars because of COVID affects (this isn't the same as housing). Maybe cars took a little hit but IMO not that much.
On the general consumer side: [Credit Card debt](https://www.lendingtree.com/credit-cards/study/credit-card-debt-statistics/) seems to be not affected or barley affected. This is logical as a 25% or 29% cc interest rate isn't the reason for buying or not buying something on a cc. Most people that have cc debt probably don't even understand Fed rates and the effects (this contrasts with people who get mortgages who generally do). Further, pay later services like After Pay and Affirm are not included in the above statistics but have clearly grown.
Powel raising rates earlier would have had an affect on the housing component of the CPI, but the other components weren't really changed. A combination of COVID affects, wars, and the US being way over due for inflation probably all played a role too.

Yeah, back in the days when crypto ETFS started i was sceptical. Most of the people i know were bullish, i became concerned. The crypto bros briefed all the institutions like Blackrock, Fidelity, Bank of America etc etc... since they know how the crypto works more and more crashes are happening. IMO they're working hand in hand with Binance. All the other exchanges use Binance's market maker which can manipulate prices. More and more traders are getting wrecked on purpose and it's clear institutions don't want us in the markets. In other words they want to take over and sell us their structured products to invest in...with small yields

lol just to think I was considering moving my portfolio over to Questrade..
FINRA IMO is a corrupt organization so I wouldn’t count on them doing anything..

Amazon is one of the best buys in the marketplace right now IMO

AMD needs its own core weave as someone was saying the other day. Looks like these hyperscalars are only going to rent and they want to own big data centers. IMO it's a smart financial engineering wise as they keep their balance sheet clean and their cash goes a long way in paying the rent vs owning.
The classic rent vs own housing norm is playing out in datacenter space. We all know as smart investors renting is a better option vs owning as rest of money can be invested elsewhere.
I fully expect such deals to become the norm but it does create a systematic risk for folks financing this, especially if the financing eventually runs into trillions of dollars. Nonetheless for next 3-4 years it seems this is how most of the AI deployment will go.

Exactly, good opportunity to buy physical if you’re behind IMO

Woke up at 3 AM and couldn’t sleep… filled an order on tlry @ 1.46… so far looking like a decent buy. Let’s see where we end the day. That Fox News article is pretty bullish IMO. Hopefully we get another Sunday surprise! Happy Friday you guys

Yes but now with Dilution off the table it is also a good long term play IMO

I think you and I are on the same page but to be clear, IMO, albeit without looking at every single scenario, at a minimum you should be withdrawing up to at least the 24% bracket max, maybe even higher. Anything that you do not gift to family members would preferably rolled into a Roth account to continue to accrue tax-free rather than any other account that would otherwise have taxes.

This is a great CV for a Junior Quant position, your main goal is to show that you’re smart, a good problem solver, and a fast learner, and you’ve done that well.
1. IMO Honourable Mention is impressive, and Quant firms are among the few employers who actually care about that kind of achievement.
2. A BA in Maths most likely means Cambridge or Oxford, which is a strong signal. But second place in any uny is more than good enough.
3. Research experience in probability and optimization is a big plus.
4. Your coding skills seem good enough, though most non-CS juniors tend to overestimate themselves a bit, but that’s usually fine.
I like that the CV is short and easy to read, and you’ll be able to clarify things during the interview.
Some experience in finance or ML could be useful.
Make sure you don’t lie about anything, and be prepared to be tested on everything you claim to know.

BTC is the canary in the coalmine IMO. It always leads tradfi dumps/pumps, no?

IMO, AWS doesn't have a business case.
Their best business case is inference for Anthropic where they have been spectacularly misfiring with their Trainium inferior chips.
IMO, their best business case for Helios is that they can all in on providing best inference for Anthropic models.
The fact that Anthropic hosts their models on Google cloud is biggest tell on how Anthropic itself views Trainium.
For AWS, adopting Helios would mean throwing the towel on Trainium. Hence I would expect it to come last.
Increasingly I view AWS as an irrelevant player in AI race. They are destined to lose to likes of Oracle & MSFT.