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If you're not sure what kind of discussion belongs in this thread, here are some example posts. News, TA, and sentiment analysis are great, too.
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So, I've let me Ledger Nano S sit for 10 months and when I tried to use it today, I see that there have been a lot of updates and now there is Ledger Live instead of Chrome extensions. I go to support and see many guides and FAQs and reddit is full of complaints about converting, so I read through everything (I think) and start to update.
One guide said that you can't update straight from 1.3 to 1.5 and I thought I'd go through a few installs when updating. Instead, I downloaded Ledger Live on my Windows 10 cpu and and began the install and it seems everything worked immediately without multiple steps and now I'm on Live and have added Bitcoin on my device and I'm about to install my 2 previous accounts (BTC and BTC Legacy) and it appears that I can do both at once, but I'm afraid to go to this step because everything seems too easy in light of what everything says in the guides and here on reddit.
Anyone else have it this easy? Did I do something wrong? Any way to verify that everything is good before going farther? Any advice would be greatly appreciated (fwiw) :) . . .
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Everyone complains of his memory, none of his judgement.
– La Rochefoucauld, Maxims This is my twenty-eighth portfolio update. I complete this update monthly to check my progress against my goals.
Portfolio goals
My recently revised objectives are to reach a portfolio of:
$1 598 000 by 31 December 2020. This should produce a real income of about $67 000 (Objective #1) $1 980 000 by 31 July 2023, to produce a passive income equivalent to $83 000 (Objective #2) Both of these are based on an expected average real return of 4.19%, or a nominal return of 7.19%, and are expressed in 2018 dollars.
Portfolio summary Vanguard Lifestrategy High Growth Fund – $732 134 Vanguard Lifestrategy Growth Fund – $42 428 Vanguard Lifestrategy Balanced Fund – $76 692 Vanguard Diversified Bonds Fund – $104 802 Vanguard Australia Shares ETF (VAS) – $78 091 Betashares Australia 200 ETF (A200) - $216 609 Telstra shares (TLS) – $1 769 Insurance Australia Group shares (IAG) – $13 393 NIB Holdings shares (NHF) – $6 288 Gold ETF (GOLD.ASX) – $83 212 Secured physical gold – $13 437 Ratesetter* (P2P lending) – $26 147 Bitcoin – $63 947 Raiz* app (Aggressive portfolio) – $14 491 Spaceship Voyager* app (Index portfolio) – $1 751 BrickX* (P2P rental real estate) – $4 621 Total value: $1 439 608 (+$40 302)
Asset allocation Australian shares – 41.6% (3.4% under) Global shares – 23.6% Emerging markets shares – 2.7% International small companies – 3.5% Total international shares – 29.9% (0.1% under) Total shares – 71.5% (3.5% under) Total property securities – 0.3% (0.3% over) Australian bonds – 6.1% International bonds – 11.2% Total bonds – 17.3% (2.3% over) Cash – 1.2% Gold – 6.5% Bitcoin – 4.3% Gold and alternatives – 10.9% (0.9% over) Presented visually, below is a high-level view of the current asset allocation of the portfolio.
Comments This month saw the total portfolio reach and exceed the original portfolio objective set at the commencement of this journey of $1 476 000.
Since that time, portfolio goals have been updated, but nonetheless it feels as though a significant milestone has passed. Measured over the past twelve months, strong progress has resumed, that being in part a function of the dull echoes of 'Bitcoin bubble' of late 2017 falling out of the time period.
The portfolio increased by a significant $40 000 this month. Part of this was new investments in Betashares A200, and a majority of this gain is attributable to the second instalment from the lowering of my emergency fund discussed here being invested. In the end, averaging two parts of this lump sum into the equity market around three months apart did not make much difference, except perhaps a mild psychological benefit. Together these moves made up the majority of the total portfolio gains. The value of the small Bitcoin holding has also increased slightly, despite its volatility having substantially reduced over the past year.
Another milestone this month has been the finalisation of my first significant March quarter dividend from A200, which will total around $1900. This is lower than expected, being equivalent to around 0.9% for the quarter, and lower than the expected distribution rate of the broadly equivalent Vanguard VAS ETF. It is quite possible that the end of financial year results will be better, however, and on a total returns basis the A200 ETF has still tracked its benchmark closely.
With Australian equities continuing to stay close to their long term price-earnings ratio of 15, Australian equity ETFs will likely remain the primary focus of investment over the next few months. This has been one of the most dominant trends of the journey so far, with total Australian equity holdings growing from around $277 000 in January 2017, and 28 per cent of the portfolio, to around $600 000 this month, and over 40 per cent.
A small action this month has been passing up the option of further investment in Australian real estate through BrickX. Distributions had built up to a level to allow a further small fractional investment. The Australian residential debate continues in full force, however, I cannot justify even small further incremental investments at current low yields, especially given my view of the likelihood of further capital losses.
Overall, expenses continue to track at steady levels. The low red distributions line from July 2018 onwards is a product of low December half distributions, and may be able to be revised upwards once June distributions are known. This would be a welcome revision, as 'credit card' FI seemed to come into view through the last two years, and then disappear in a discouraging way with the December 2018 distributions.
Progress Progress against the objectives, and the additional measures I have reached is set out below.
Measure Portfolio All Assets Objective #1 – $1 598 000 (or $67 000 pa) 92.6% 128.8% Objective #2 – $1 980 000 (or $83 000 pa) 74.8% 104.0% Credit card purchases - $73 000 pa 85.0% 118.2% Total expenses - $96 000pa 64.6% 89.9%
Summary This month has brought the portfolio to approximately three-quarters of the way to my Objective #2, and Objective #1 also draws appreciably closer.
Over the past month, as progress has accumulated, I have found myself meditating more fully on the nature and value of time and freedom. What has surprised is the powerful but gradual feeling of decompression that knowledge of the increasing proximity to the goals has brought. Fewer external events, daily stresses, impinge on my daily outlook.
This recent podcast from the Econtalk series, crystallised some of these thoughts, the first 10 minutes contains the best economic and empirical analysis I have encountered on the intersection of time, money, leisure and work. One of its key points - relevant for seekers of FI - is that our growing wealth over time affects how we see and value leisure time itself, and it also has some useful reflections on the concept of 'busyness'.
This month has seen some of this more valuable leisure time used looking at the summary version of the Credit Suisse Global Investment Returns Yearbook, released last month. This provides updated data from the single best long-term series on equity and bond returns across the world. One interesting aspect of this years updated estimate of long-term historical global equity returns (of 5 per cent) is that it includes for the first time markets that suffered total losses (Russia and China following revolutions in 1917 and 1949) - addressing the issue of survivorship bias. The report argues for significant modesty in expectations of future returns.
A practical implication of this is that my conservative long-term return assumption for global equities (of 4.5 per cent) may be marginally less conservative than when it was made at the start of the year. This podcast from Bloomberg, interviewing Yale Professor of Finance Roger Ibbotson - a key figure in the collection and analysis of historical financial market returns - will provide more related food for thought.
A further intriguing crossover from recent economic literature to FI issues is the release last week of this paper The Power of Working Longer by the National Bureau of Economic Research, which studies the relationship between the decision to work for longer, compared to investing more, prior to retirement. The intriguing summary finding is that delaying retirement by 3-6 months is equivalent to the effect of one percentage point of higher wages over a 30 year working life.
The Australian FI community has also been full of interesting content this month, with Aussie Firebug laying out the basics of FI in an excellent introductory podcast, and Strong Money Australia doing a short summary of his current progress in transitioning from property investment dominated portfolio to equities. Australian investor's benefits from higher dividend rates also got a mention in Big ERN's comprehensive safe withdrawal rates series. It was also great to see the appearance and progress of other new Australian FI bloggers, such a AFamilyOnFire.
With the month closed, the focus will now be shifting to awaiting and re-investing the quarterly dividends due, and contemplating that a further three months comparable to the last three - an unlikely but possible scenario - could see Objective #1 reached much earlier than my judgement had anticipated.
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This thread is for any events going on in Des Moines this week! What events will you be attending? What events do you want to attend? What events do you want to promote? Whats new around Des Moines this week? Add a comment below.
Please provide the following when posting new events: - Time, Date, Location, Cost and some sort of description of the event.
New threads start every Sunday, and will be stickied at the top of the subreddit.
Here are some places to find things to do: Cityview's Calendar - Juice's Calendar - Des Moines Register Event Page - Catch Des Moines Calendar
If you have any recurring events, specials, or other suggestions for this weekly thread, please send us a modmail
THANKS FOR HELPING US CROWDSOURCE THIS
Trivia Nights:
First Monday of the month is Mona's Pub Quiz at The Lift
Benchwarmers in Ankeny on Mondays
Tuesdays at Blue Moon in WDM - starts at 8
Wednesdays at Fireside Grille in Altoona -starts at 8
Trivia Thursdays at The Ingersoll Tap.
Tuesdays at Quinton's
Gas Lamp has triva on Tuesday
Tuesdays at Basement Bar at Des Moines Social Club
There's trivia at The Beer House in Urbandale on Wednesdays, 7pm. Also at F&O's on Fridays, 9pm
Tuesdays at Wellman's Ingersoll
Geeks Who Drink at Red Monk is actually trivia. They do have specials, but the main event is trivia.
Wellmans Pub on Ingersoll has trivia Tuesday night at 8
Trivia at Thunder Head in Ankeny every Tuesday
Trivia at the Keg Stand, Thursday nights (I think it starts at 8:30?)
Hi, I'm the owner of Mad Meatball Pizzeria & Pub, located at 401 SE 5th St in Des Moines. We have Trivia every Wednesday at 7:30pm. The Special for the Trivia AYCE Wings for $10 from 7-10pm and $1 off all craft and import beer.
Drink Specials:
2 for Tuesdays @ the Flying Moose every Tuesday all night (Also, 2 fers every day until 8pm)
Beechwood has 2 for 1 on tuesdays.
Tuesday night is dollar domestic bottles at Streetcar 209
Quintons: Thursday Half off all drinks
Quarter beers at both Flying Moose and Mickey's Clive on Weds
Wednesday is geeks who drink at the red monk
Lift has $3 draws on Thursday
First Wednesday of every month there is a bottle share at 515 Brewing @ 6
Wacky Wednesdays at Hero's on Court Ave are 2 for 1's all night each week
Sunday nights at Lime at Lime Lounge in the East Village has live Hip Hop acts and DJs, no cover, 2 for $5 wells, 2 for $10 martinis and mojitos, 3 for $7 lime drop shots, and a $1 well drink power hour
Weekly Open Mic night:
Gas Lamp now does karaoke on Tuesdays (with a live band for you to sing with!).
Tuesday night comedy open mic at Lefty's Live Music at 8pm.
open mic every Tuesday at Luckys at 8.
Friday night at the Beechwood is free stand-up comedy.
Acoustic music open mic at AJ's on East Court, Sundays at 4pm
Free Killer Queen at Up-Down every Thursday!
There is trivia at The Ducktail Lounge on Sunday’s.
Other Ongoing Events:
Blues Jam Band every Tuesday at Carl's Place, $3 tallboys
Des Moines Bitcoin and Blockchain MeetUp at Gravitate in West Des Moines - 2nd and 4th Thursdays of each month (eg Oct 25th) at 7:00pm
If any of these are no longer current or you would like to add something, please ping /u/annarchist to update this thread otherwise I may miss it.
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Could I buy bitcoin and then create a scene where I see the price has risen dramatically and I am excited to see it?
This would be a great way to make money I think. I'm not sure if this is deciding too much on the bridge of events though?
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Computer based intelligence BANK Worldwide – This is a decentralized Manage an account with Man-made reasoning
The blockchain is an absolutely advancement – the brainchild of an individual or social event of people known by the nom de plume, satoshi Nakamoto. Nevertheless, starting now and into the foreseeable future, it has formed into something increasingly unmistakable, and the central request everybody is asking is: What is Blockchain?
Blockchain development made the establishment of another kind of web. At first defined for the modernized money, Bitcoin, (Purchase Bitcoin) the tech organize is directly finding other potential uses for the development. Bitcoin has been chosen "valuable and propelled gold," and for a substantial avocation.
To date, the full scale estimation of the cash is close $112 billion US. Likewise, blockchains can make various types of automated regard. Like the web (or your vehicle), you don't get the chance to insightful the blockchain attempts to use it.
In any case, having essential data about this new advancement shows why it's seen as dynamic. Consequently, I believe you welcome this before proceeding.
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site: https://aibank.global/
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Bountyox username: tuneck2
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The following post by AutoModerator is being replicated because some comments within the post(but not the post itself) have been silently removed.
The original post can be found(in censored form) at this link:
np.reddit.com/r/ BitcoinMarkets/comments/b7jqhs
The original post's content was as follows:
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The following post by NEO2MOON is being replicated because some comments within the post(but not the post itself) have been openly removed.
The original post can be found(in censored form) at this link:
np.reddit.com/r/ CryptoCurrency/comments/b7jc2a
The original post's content was as follows:
The FBI was and still might be the largest holder of Bitcoin in the world. From the Silk Road and BTC-e, they have sized hundreds of thousands of Bitcoin. I believe one of the BTC-e addresses had over 550k bitcoin in it at the time of seizure. Anyone know more about the situation? How much they have, how much they have auctioned, how much they might just keep. The history of these event and the current status is really muddy and hard to research so I'm hoping there are some Bitcoin OG's on here who can provide some history.
Bonus wild idea: If the FBI/US Govt decide to keep the Bitcoin they have and not even auction, we may have our first central bank Bitcoin holding and not even realize it.
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High quality service at a great price. 5 concurrent connections at the same time with only 1 subscription. Any combination of MAC and M3u type devices.
Our APK allows users to manage their own MAC addresses as well as categories that you see during play.
Works on almost all devices from IOS, Android, Windows, MACs.
For the sports fanatics out there our MatchCenter section is going to be your home. Nicely organized section in our apk and website where you can easily see all the sporting events in one central location. Within our website MatchCenter allows you to watch up to 4 games at once.
Unfortunately VOD has been removed for the service
Activation can be done within 15mins of payment being received. No waiting 24 hours for your email to get processed.
Prices are quoted in Canadian dollars.
Payment Options......
For customers service I normally reply within the hour.
Trials are available but are NO LONGER FREE. Too many people where abusing them. Trials will now be $3 and are good for 1 day. If you go with a sub, the charge will be deducted from the total amount.
Referral program, for every 2 people you refer, your monthly subscription price will be $1 less. No limit to that so if you refer enough your subscription will be free.
Other provider available as well.
Any questions please feel free to msg me.
I will be bringing you upcoming events/announcements every day. If you want improvements to this post, please mention /u/houseme in the comments. We will make improvements based on your feedback.
https://kryptocal.com | /r/kryptocal | Android | iOS | Telegram Interactive Bot (add cryptocalapp_bot) | Telegram Channel @kryptocal
If you like an event to be added, click Submit Event, and we will do the rest.
General
There are more events but this message got too long
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