Interest rate utilised and credit interest margin
Celsius
2017.09.16 13:02 dingibingo Celsius
A new way to earn, borrow, and pay on the blockchain. Earn up to 17% APY on crypto, and get a crypto-backed loan for as low as 1% APR. https://celsius.network/ Please make sure that you read our Help Center before posting a general question that can be found there: https://support.celsius.network/hc/en-us
2014.08.27 22:08 minutemaider Interactive Brokers
Unaffiliated subreddit of Interactive Brokers, a popular multinational brokerage firm. It is often best known for its trader workstation, API's, and low margins. It operates the largest electronic trading platform in the U.S. by number of daily average revenue trades. The company brokers stocks, options, futures, EFPs, futures options, forex, bonds, and funds.
2019.11.21 17:39 Curious-to-wonders HalalInvestor
بِسْمِ اللَّهِ الرَّحْمَنِ الرَّحِيم Welcome to HalalInvestor(s). We are creating a community to teach Halal Financial Literacy & to Inspire Ethical Business You can learn about budgeting; saving; freeing your self from debt; & investing in a halal manner.
2024.05.21 13:28 Firm-Accident7558 8.88% Interest Rate ng Time Deposit Account sa Salmon Philippines
Hey guys! I just heard about this awesome deal from
Salmon Philippines and I had to share it with you all. Para 'to sa mga hirap rin mag-ipon at first time mag-time deposit like me! Haha. Salmon Philippines is offering an 8.88% interest rate on their new 12-month Time Deposit accounts! Ang laki 'di ba. Imagine, kung mag-tabi ka ng ₱500,000 or even ₱1,000,000, just think how much it could grow in a year! Hindi lang natutulog yung pera mo. Kusa na siyang mag-mumultiply for you. 🙌
The only catch is that this offer is only available for new Time Deposit accounts at the Rural Bank of Sta. Rosa Laguna, Inc. branches. Meron sila sa Sta. Rosa Laguna saka sa Bacoor Cavite.
You can check out the details on their website:
salmon.ph/ruralbankofstarosalaguna or head over to their Facebook page:
facebook.com/salmonphilippines Good luck and happy saving! 🙏🏻
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2024.05.21 13:26 WakandaForevera a question about chase credit card
does anyone here has a credit card with chase bank?
if so, i am curious to see if some of you are paying high monthly payment due to accrued interest rate when you have a large amount of money in your balance?
the interest rate for chase is 29%. let me know so i can acknowledge about this.
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2024.05.21 13:22 notanietzchefan [HIRING] Freelance Excel Expert Needed for Balance Sheet Template
I'm looking to hire a skilled Excel freelancer to assist with a project
I need an experienced Excel freelancer for a project involving balance sheet templates and consolidation.
Project Overview: Standalone Balance Sheets: Create 3 Excel templates.Each template will pull data from an Excel trial balance.Generate individual balance sheets for three entities.
Consolidated Balance Sheet:Design a 4th Excel template.Combine data from the 3 standalone balance sheets into one.
Requirements:Proficiency in Excel (VLOOKUP, SUMIF, PivotTables).Experience in creating financial statements, especially balance sheets.Ability to automate data fetching and consolidation.Attention to detail.
Preferred Experience: Previous similar financial projects.Understanding of accounting principles.
Application: If interested, please message me with:Your resume or portfolio. Brief description of your approach.Estimated timeline and rate.Looking forward to working with a skilled professional!
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2024.05.21 13:20 Firm-Accident7558 8.88% Interest Rate ng Salmon Philippines Time Deposit Accounts
Hey guys! I just heard about this awesome deal from
Salmon Philippines and I had to share it with you all. Para 'to sa mga hirap rin mag-ipon at first time mag-enroll ng Time Deposit accounts! Haha. Salmon Philippines is offering an
8.88% interest rate on their new 12-month Time Deposit accounts! Ang laki 'di ba. Imagine, kung mag-tabi ka ng ₱500,000 or even ₱1,000,000, just think how much it could grow in a year! Hindi lang natutulog yung pera mo. Kusa na siyang mag-mumultiply for you. 🙌
The only catch is that, this offer is only available for new Time Deposit accounts at the Rural Bank of Sta. Rosa Laguna, Inc. branches. Meron sila sa Sta. Rosa Laguna saka sa Bacoor Cavite. Pero dahil taga Sta. Rosa lang ako, doon ako nag apply.
Check niyo nalang details sa website nila:
salmon.ph/ruralbankofstarosalaguna or head over to their Facebook page:
facebook.com/salmonphilippines Good luck and happy saving! 🙏🏻
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2024.05.21 13:15 Ok-Sense4899 viraltips online
Viral Tips Online: The Ultimate Guide to Going Viral in 2024
In the ever-evolving digital landscape, achieving viral status can feel like capturing lightning in a bottle. Yet, with the right strategies and understanding, you can significantly increase your chances of creating content that spreads like wildfire. This comprehensive guide will walk you through everything you need to know about making your content go viral in 2024.
What Makes Content Go Viral?
Creating viral content isn’t an exact science, but there are key elements that successful viral posts share.
Emotional Appeal
Emotionally charged content tends to resonate more with audiences. Whether it’s joy, surprise, or even anger, tapping into strong emotions can drive people to share your content.
Relatability
People love content they can relate to. Sharing personal stories or common experiences can make your content more engaging and shareable.
Shareability
Content that's easy to share has a higher chance of going viral. Ensure your content is easily shareable across various platforms and consider using share buttons to facilitate this.
Creating Viral Content
Now that we understand the core components of viral content, let’s dive into how to create it.
Identify Your Audience
Understanding who your audience is and what they care about is crucial.
Understanding Demographics
Know the age, gender, location, and interests of your target audience. This data helps tailor your content to their preferences.
Audience Behavior Analysis
Analyze when your audience is most active online and what type of content they engage with the most.
Crafting the Perfect Hook
The first impression is everything. Your hook should grab attention instantly.
Using Headlines to Grab Attention
Craft compelling headlines that spark curiosity. Use numbers, questions, and power words to make your headlines stand out.
Creating Engaging Thumbnails
For visual content, thumbnails are crucial. They should be clear, intriguing, and representative of your content.
Content Quality and Value
High-quality content is non-negotiable.
Informative Content
Provide valuable information that your audience can benefit from. This could be how-to guides, tips, or in-depth analyses.
Entertaining Content
Make your content entertaining to keep your audience engaged. Use humor, storytelling, or unique visuals.
Platforms for Viral Content
Different platforms offer unique advantages for viral content.
Social Media Platforms
Social media is a powerhouse for spreading viral content.
Facebook
With its massive user base, Facebook is ideal for reaching a wide audience. Use Facebook groups and pages to amplify your reach.
Instagram
Instagram’s visual nature makes it perfect for eye-catching content. Utilize stories, reels, and IGTV for maximum engagement.
Twitter
Twitter’s fast-paced environment is great for trending topics. Use hashtags and participate in trending conversations.
Video Sharing Platforms
Videos are incredibly engaging and have a high potential for virality.
YouTube
YouTube is the go-to platform for longer video content. Optimize your titles and descriptions for searchability.
TikTok
TikTok’s algorithm favors content that keeps users engaged. Short, creative videos can quickly gain traction.
Blogging and Articles
Written content can also go viral if done right.
Medium
Medium’s platform is great for reaching readers interested in in-depth articles. Leverage its built-in audience by tagging your posts effectively.
Personal Blogs
Building a personal blog allows for more control over your content. Promote your posts via social media and email newsletters.
Strategies for Maximizing Reach
Boosting your content’s reach is essential for virality.
Timing Your Posts
Post when your audience is most active. Use analytics tools to determine the best times.
Using Hashtags Effectively
Hashtags can significantly increase your content’s visibility. Use relevant and trending hashtags.
Engaging with Your Audience
Interaction boosts engagement rates and makes your audience feel valued.
Responding to Comments
Engage with commenters to foster a sense of community and increase visibility.
Creating Community
Build a loyal community around your content. Encourage discussions and user-generated content.
Tools and Resources for Creating Viral Content
Having the right tools can make content creation easier and more effective.
Content Creation Tools
These tools help you create stunning visuals and engaging content.
Canva
Canva is a versatile design tool that’s perfect for creating social media graphics, posters, and more.
Adobe Spark
Adobe Spark offers easy-to-use tools for creating professional-looking videos and graphics.
Analytics Tools
Tracking your performance is key to understanding what works.
Google Analytics
Google Analytics provides detailed insights into your website traffic and user behavior.
Social Media Insights
Most social platforms offer built-in analytics to help you track engagement and reach.
Case Studies of Viral Content
Learning from successful campaigns can provide valuable insights.
Successful Campaigns
Analyze campaigns that have gone viral to understand what made them successful. Look for patterns and strategies that you can replicate.
Lessons Learned
Identify the key takeaways from these campaigns. What worked? What didn’t? Use these lessons to refine your approach.
Common Mistakes to Avoid
Avoiding common pitfalls can save you time and effort.
Ignoring Analytics
Analytics are crucial. Ignoring them can lead to missed opportunities and wasted resources.
Overlooking Quality
Never sacrifice quality for quantity. High-quality content is more likely to be shared.
Inconsistent Posting
Consistency is key. Inconsistent posting can lead to a disengaged audience.
Future Trends in Viral Content
Staying ahead of trends can give you a competitive edge.
Augmented Reality
AR is becoming more popular and offers unique ways to engage your audience.
Interactive Content
Interactive content, like quizzes and polls, can boost engagement and shares.
Personalization
Personalized content is more relevant to users and can increase engagement rates.
Conclusion
Creating viral content is both an art and a science. By understanding your audience, crafting compelling content, and utilizing the right platforms and tools, you can significantly increase your chances of going viral. Stay informed about trends and continuously refine your strategy to stay ahead of the curve.
FAQs
What type of content is most likely to go viral? Content that is emotional, relatable, and easily shareable tends to go viral. Videos, memes, and articles with a strong hook are often very successful.
How can I measure the success of my viral content? Use analytics tools to track metrics such as views, shares, likes, comments, and overall engagement. These will give you insights into your content's performance.
Are there any risks associated with creating viral content? Yes, there are risks. Viral content can sometimes attract negative
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2024.05.21 13:13 tturbanwed Real Estate Investment Advice - Rented Properties?
Hi all,
(Maybe a beter question for
Finanzen . I am looking into perhaps purchasing a place early / mid next year (when interest rates decrease and real estate prices haven't bonced back yet).
I noticed that a lot of the postings involve "vermietete" apartments. The rent is usually below market rates, which is why the price is also lower.
So my question is this: I currently have my own rented (1-bedroom) apartment, which I am very happy with. Does it make sense to maybe purchase a bigger place (e.g. 2-bedroom) in advance, and if my relationship status changes, I can give notice to the existing tenant and move into the apartment myself? I heard that the landlord cannot terminate the rental contract without a valid reason, but using the apartment yourself is considered one of them?
What are the pros and cons (lower rental income) of this?
Many thanks in advance for the advice / feedback.
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2024.05.21 13:02 Comfortable_Fish_616 Tips about career and financial stuffs
Hi,
I'm Daniel from Spain, and I'll be turning 15 this month. With my birthday coming up, I've been thinking a lot about my future. Like many others my age, I don't really have any clear ideas about what I want to be when I grow up, and I know very little about financial matters. For example, I'm unsure about things like banks, credit cards, interest, rent, and managing money.
In school, I'm taking a course called "Informatik" (Computer Science). I'm interested in it, but I'm not sure if I'm creative enough to pursue a career in this field. I also play football as a hobby, but I don't think it’s a viable career path for me.
I moved to Germany in Mönchengladnach three years ago and have learned the language quite well. I'm currently attending a Realschule, and if everything goes well, I have two more years to go. I know I need to decide what kind of place I want to study at next, but I’m not sure about my options and what they involve.
My main goal is to have a stable life. I don’t aspire to be a millionaire, but I definitely don't want to end up homeless. This is why I need to understand financial matters better. My parents say that many parents expect their children to start living independently once they turn 18. I want to be prepared for that.
My parents, who are from Africa, didn't have the same educational opportunities that I have. I don’t want to work extremely long hours just to make ends meet. I also don’t plan to have a partner right now, as I’ve heard that can be expensive.
So, if anyone reads this, could you please give me some tips on choosing a career and managing finances effectively? I’d really appreciate any advice.
Thank you,
Daniel
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2024.05.21 12:58 MidNiteRose MagickalHome
MagickalHome Discord Chat https://discord.gg/Fks3AvxD7d MagickalHome welcomes anyone with an interest in the spiritual, magickal and paganism pathway forwards through life.
We are a family friendly forum open for all with an interest in similar topics like dreams, psychic development, we discuss spiritual subjects such as animal totems, magickal tools, paganism and do discuss shamanic topics such as guided meditation, shapeshifting, guided protection and shielding, angelic energy and mediumship, spirit work and divination.
Membership is free for all at our forums, we ask anyone seeking our site to use one username you are familiar with both on our forums and chats, if you do wish to change your username you can do so but remember to reintroduce yourself so that we know who you are.
We do also offer free readings on our site and if anyone wants to help out in regards to this to let our founder team know so that such a post in our site can be secured to the developing practitioner. Paid readings are available also on request at an affordable rate so as to keep the community going. Paid readings are offered at the moment only by our team members.
Our Free forums can be found at
www.magickalhome.com submitted by
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2024.05.21 12:57 Sweet-Count2557 The Best Time To Visit Essaouira Morocco (2023)
| The Best Time To Visit Essaouira Morocco (2023) If you're looking for a truly memorable and unique getaway, Essaouira, Morocco is a must-see destination. Located on the Atlantic coast of Morocco, this port city is known for its bustling souks, vibrant culture and stunning beaches. Whether you're looking to explore the medina's winding streets, take in the breathtaking views or simply relax and enjoy your time away from home, Essaouira has something for everyone. But when is the best time to visit Essaouira Morocco? Let's find out. Essaouira's climate offers mild temperatures throughout the year, making it a great destination any time of year. The summertime months are warm and sunny with temperatures averaging in the mid-20s Celsius (mid-70s Fahrenheit). The winter months are cooler but still pleasant with temperatures ranging from around 10°C (50°F) during the day to approximately 5°C (41°F) at night. Despite its mild climate, there are certain times of year that may be more enjoyable than others depending on your travel plans. Weather Conditions Essaouira, Morocco is a stunning seaside city with a rich cultural heritage and beautiful tourist attractions. With an average of 300 sunny days per year, it's no surprise that this coastal city is the perfect destination for travelers looking to escape the chillier winter months. For those wanting to take in the sights and sounds of this unique city, late spring or early autumn are ideal times to visit Essaouira. Not only will you beat the summer crowds, but you'll also be able to experience the milder temperatures and gentle sea breezes that make Essaouira a truly special place. As well as its stunning beaches, Essaouira has an array of traditional markets, cafes and restaurants set amongst its stunning whitewashed buildings. It's easy to lose hours wandering around the old town's bustling streets and admiring the colourful street art and mosaic-tiled architecture. You can also stroll along the harbour, stopping at one of the many seafood restaurants for delicious local delicacies or simply watch as colourful boats drift by in search of sardines. So if you're looking for a relaxing break filled with culture, beauty, and excellent weather conditions - then pack your bags for Essaouira! Festivals And Events Essaouira is the perfect destination to experience both Moroccan culture and its heritage. Not only will you be able to enjoy beautiful weather conditions, but also take part in vibrant festivals and events that show off the local culture. From traditional music performances to unique art displays, there are plenty of opportunities to explore Morocco's rich cultural heritage. For those who want to indulge in the local cuisine, Essaouira offers a plethora of culinary delights: Sample freshly caught seafood served with a variety of spices and herbs Savor traditional tagines cooked with flavorsome ingredients Try aromatic couscous dishes accompanied by mouthwatering sauces Enjoy freshly baked breads and pastries flavored with honey and nuts. No matter what your preference is, Essaouira has something special for everyone. Whether it’s taking part in the festivities or tasting some of the finest fare around, it’s easy to see why this city is one of Morocco’s most popular destinations for travelers. Sightseeing Opportunities Essaouira is a wonderful destination for those interested in cultural heritage and beach activities. Located on the Atlantic coast of Morocco, the city has a rich cultural history and incredible views of the ocean. From its beautiful beaches to its bustling medina, Essaouira boasts plenty of sightseeing opportunities. The fortified walls that surround the old port city are a great place to start your exploration of Essaouira’s cultural heritage. Stroll through winding alleyways and admire traditional architecture as you explore the medina, then take in breathtaking views from atop the ancient ramparts. If you’re looking for some beach activities, head down to Sidi Kaouki Beach, where you can relax on the sand or try out some water sports like surfing and kitesurfing. Whether you’re looking to take in some culture or spend time at the beach, Essaouira has something for everyone. Travel Costs Visiting Essaouira Morocco is a great way to experience the culture and beauty of this North African country. According to recent studies, it's one of the most affordable places to travel in the world. This makes it ideal for those on a budget who want to explore a new destination without breaking the bank. When it comes to transportation, there are many affordable options available. There are plenty of buses that run between cities, as well as car rental services. For those looking for more luxury accommodations, there are some excellent resorts located near the beach with stunning views and top-notch service. No matter what your budget may be, you're sure to find something that suits your needs during your stay in Essaouira Morocco. Accommodations And Amenities When visiting Essaouira, Morocco, you will find a variety of accommodations options to suit your needs. From beach resorts to small family-run inns and everything in between, this lively coastal city has something for everyone. With its vibrant cultural customs and excellent seafood specialties, it's no wonder why Essaouira is becoming increasingly popular amongst tourists. In addition to its stunning beaches and unique atmosphere, Essaouira offers many amenities that appeal to visitors. Here are just a few of the highlights: Shopping: Visit the bustling souks and open-air markets for an unforgettable shopping experience. Nightlife: Take in the sights at one of the city’s many cafes or bars while enjoying local music and drinks. Food: Sample some of the city’s famous dishes such as couscous with fish or pastilla with chicken - a real culinary treat! Architecture: Admire the beautiful architecture of historic buildings such as the Skala de la Kasbah, which dates back to the 18th century. No matter what kind of trip you're looking for, there's something for everyone in Essaouira - from relaxing on the beach to exploring historical sites to indulging in delicious cuisine! Frequently Asked Questions What Is The Best Time Of The Year To Visit Essaouira Morocco? Exploring a new city can be one of life's most cherished adventures, and visiting Essaouira Morocco is no exception. But when is the best time to take this journey? Well, it largely depends on what you’re looking for in terms of travel costs, suitability climate and overall experience. For those who want to make the most out of their visit while keeping an eye on their wallet, planning a trip during the shoulder season (March-May or October-November) might be the way to go. During these months, the temperature is milder compared to summertime and there are fewer tourists meaning prices are lower. However, if you're looking for some warmer weather then June-September is recommended as temperatures tend to rise during this period. So whether you’re seeking a great value holiday or sunshine guaranteed adventure, Essaouira Morocco has something for everyone – just pick your perfect time! What Kind Of Currency Should I Use In Essaouira Morocco? Visiting Essaouira Morocco is an unforgettable cultural experience, and understanding what kind of currency to use will ensure a comfortable stay. The Moroccan Dirham (MAD) is the official currency in Essaouira, and you'll find plenty of places to exchange your money for it. When out dining or enjoying some of the local cultural experiences, make sure to have plenty of MAD on hand to pay for these activities. A great way to get a good rate is by using ATMs instead of exchanging money at banks or hotels. Is It Easy To Get Around Essaouira Morocco On Public Transport? Exploring the exotic city of Essaouira Morocco has never been easier! With public transport readily available throughout the area, getting around is a breeze. Hiring taxis and car rental services are also available for those who want to see more of the city. Whether you're looking for an adventure or simply wanting to take in the sights, there's something for everyone in this beautiful destination. It's no wonder that it's become a popular tourist spot - navigating this stunning city is easy and effortless! Are There Any Health And Safety Precautions I Should Take Before Travelling To Essaouira Morocco? Travelling to Essaouira Morocco can be a great adventure, however it is important to take the necessary steps to ensure you stay safe and healthy. Disease prevention is paramount, and this includes taking any recommended vaccinations before travelling, as well as familiarizing yourself with local health practices. Additionally, cultural sensitivity is key when travelling abroad; it is important to respect local customs and dress appropriately. Lastly, it's wise to have an emergency contact in case of any issues during your trip. By following these precautions, you can safely enjoy your visit to Essaouira Morocco. What Are The Average Temperatures In Essaouira Morocco Throughout The Year? Visiting Essaouira, Morocco is a great opportunity to experience the culture and beauty of the area. Before traveling, it's important to understand the weather patterns in order to make the most of your trip. The average temperatures in Essaouira range from mild to warm throughout the year, making it an ideal destination for those looking to experience cultural attractions while enjoying pleasant weather. The summers tend to be hot and dry, with temperatures ranging from 75-85 degrees Fahrenheit (24-29 Celsius). Winters are mild, with temperatures typically hovering around 60 degrees Fahrenheit (15 Celsius), although occasional rain does occur during this time as well. Conclusion Visiting Essaouira Morocco is an experience like no other. With its vibrant culture, stunning landscape and unique atmosphere, it's the perfect place to unwind and explore. The best time of year to visit Essaouira Morocco is during spring or autumn when temperatures are milder and more comfortable for sightseeing. With the Moroccan Dirham being the local currency, it's easy to get around on public transport and there are plenty of health and safety precautions you should take before travelling there. All in all, visiting Essaouira Morocco is a magical experience, like stepping into a dream – one that you'll never forget. submitted by Sweet-Count2557 to worldkidstravel [link] [comments] |
2024.05.21 12:55 chanma50 'Hit Man' Review Thread
I will continue to update this post as reviews come in.
Rotten Tomatoes: Certified Fresh
Critics Consensus: A deceptively dark thriller that's also loaded with laughs,
Hit Man is an outstanding showcase for leading man Glen Powell -- and one of the most purely entertaining films of Richard Linklater's career.
| Score | Number of Reviews | Average Rating |
All Critics | 96% | 81 | 8.30/10 |
Top Critics | 93% | 27 | 8.00/10 |
Metacritic: 82 (21 Reviews)
Sample Reviews: “Hit Man” is studded with delicious moments, but as amusing as the movie is it has a plot that sprawls forward in a rather ungainly fashion, and it goes on for too long. - Owen Gleiberman, Variety
Smart and steamy screwball fun. - Leslie Felperin, Hollywood Reporter
The comedy is a deliriously entertaining star vehicle for actor Glen Powell. - Ben Croll, TheWrap
“Hit Man,” Linklater’s latest film, falls into the fun-with-a-heart (and brain) category. It’s got a lot going for it. For one thing, there’s Linklater’s deft touch, particularly when juggling comedy and romance (with a little crime drama thrown in).
4/5 - Bill Goodykoontz, Arizona Republic
A smartly written, sublimely comedic, and sexy human-scale relationship story with a touch of just enough suspense and hints of criminality to prove that its title is not a complete misnomer.
4/5 - Cary Darling, Houston Chronicle
In the hands of a lesser director, Hit Man would surely have felt rather thin and disposable. But Linklater is a pro, and he manages to make the film’s fripperies feel borderline profound.
4/5 - Xan Brooks, Guardian
An intelligent comedy that contains plenty of laugh-out-loud moments and references Kant and Nietzsche, it is also a thriller that is darker than it first appears. - Jo-Ann Titmarsh, London Evening Standard
Hit Man trips along on great writing, Linklater’s witty, light-touch direction and a rich sense of place, but what makes it especially pleasurable is Powell and Arjona’s naturally steamy rapport.
4/5 - Robbie Collin, Daily Telegraph (UK)
... An effervescent comedy from Richard Linklater that simultaneously snubs its nose at the entire genre while easily nabbing the honour of most purely entertaining film to grace the Lido so far.
4/5 - Kevin Maher, Times (UK)
Another, crueller writer-director would have pivoted to scenes of bloody violence, but Linklater prefers to ponder the question of whether you can will yourself into becoming a different person.
4/5 - Nicholas Barber, BBC.com
A sorta-true story about an average guy who finds himself caught in a web of crime and deception, Hit Man is a cute and clever (sometimes overbearingly so) showcase for Powell’s magnetic charm. - Richard Lawson, Vanity Fair
The police scenes are just light enough to be funny, the screwball sequences are just dark enough to keep you on the edge of your seat, and Powell... is obviously elated to be handling such twisty material. - Shirley Li, The Atlantic
This genial comedy/noir is a genuine crowdpleaser – funny, sexy, clever and confident in building a low-key humour which hits the target over and over again. - Fionnuala Halligan, Screen International
It’s a genuinely riotous time at the cinema and concrete proof Powell is perhaps our brightest hope when it comes to keeping the notion of the movie star alive. - Hannah Strong, Little White Lies
Hit Man is hot and hilarious, a winning combination amplified by a story that gets knottier at every turn. - Nick Schager, The Daily Beast
Powell’s ability to power through some dull material on charm alone only reaffirms the credibility of his stardom, and the film’s general lack of ambition keeps things from going awry whenever a joke doesn’t land. Aim small, miss small.
B- - David Ehrlich, indieWire
I’s just fun to watch good old-fashioned comedy in which love, danger, and happy endings are all part of a damn fine evening at the movies. - Alissa Wilkinson, Vox
With Richard Linklater’s Hitman, the charismatic Glen Powell has been offered a plum opportunity to shape his image into something more complicated and often poignant.
3/4 - Zach Lewis, Slant Magazine
[A] light-and-lively comedy. - Jordan Hoffman, The Messenger
Comfortably Linklater’s best movie since Boyhood, Hit Man stands alongside School of Rock for big laughs and good vibes – albeit with a darker streak that slowly kicks in.
4/5 - Philip De Semlyen, Time Out
Powell and Linklater would have done better to take Johnson’s story as a launching point and then spun off into their far more complicated version of his life without literally tethering the movie to a real person. - Alonso Duralde, The Film Verdict
Linklater has long had a gift with playful humor, and he nails the tone here without turning “Hit Man” into the slapstick it could have become. - Brian Tallerico, RogerEbert.com
A comedy/thriller that’s in equal parts charming, nerve-wracking, and ethically challenging. - Glenn Kenny, RogerEbert.com
Every interesting aspect of the true story and the imagined story are smoothed out. - Drew Gregory, Autostraddle
The smoldering, wily, wild-but-true Hit Man returns Linklater to his loquacious take on romance, with a man using his gift of gab to shrug off himself. - Charles Bramesco, Inside Hook
A witty, relaxed, and cheerfully fictionalized comedy-caper-romance; in the bargain there’s some light philosophical meditations on the impermanence of personality. 4/4 - Ty Burr, Ty Burr's Watch List
It’s as if Linklater is playing posthumous wingman for his subject, giving him the rom-com-slick Hollywood ending he never got in life. - Keith Uhlich, (All (Parentheses))
SYNOPSIS: Oscar-nominated director Richard Linklater’s sunlit neo-noir stars Glen Powell as strait-laced professor Gary Johnson, who moonlights as a fake hit man for the New Orleans Police Department. Preternaturally gifted at inhabiting different guises and personalities to catch hapless people hoping to bump off their enemies, Gary descends into morally dubious territory when he finds himself attracted to one of those potential criminals, a beautiful young woman named Madison (Adria Arjona). As Madison falls for one of Gary’s hit man personas — the mysteriously sexy Ron — their steamy affair sets off a chain reaction of play acting, deception, and escalating stakes. Co-written by Linklater and Powell and inspired by an unbelievable true story, Hit Man is a cleverly existential comedy about identity.
CAST: - Glen Powell as Gary Johnson
- Adria Arjona as Maddy Masters
- Austin Amelio as Jasper
- Retta as Claudette
DIRECTED BY: Richard Linklater
SCREENPLAY BY: Richard Linklater, Glen Powell
BASED ON THE TEXAS MONTHLY ARTICLE BY: Skip Hollandsworth
PRODUCED BY: Mike Blizzard, Richard Linklater, Glen Powell, Jason Bateman, Michael Costigan
EXECUTIVE PRODUCERS: Stuart Ford, Zach Garrett, Miguel A. Palos Jr., Shivani Rawat, Julie Goldstein, Vicky Patel, Steve Barnett, Alan Powell, John Sloss, Scott Brown, Megan Creydt
DIRECTOR OF PHOTOGRAPHY: Shane F. Kelly
PRODUCTION DESIGNER: Bruce Curtis
EDITED BY: Sandra Adair
COSTUME DESIGNER: Juliana Hoffpauir
MUSIC BY: Graham Reynolds
MUSIC SUPERVISORS: Randall Poster, Meghan Currier
CASTING BY: Vicky Boone
RUNTIME: 115 Minutes
RELEASE DATE: May 24, 2024 (Limited Theatrical in US; Wide Theatrical in Canada) / June 7 (Netflix)
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boxoffice [link] [comments]
2024.05.21 12:50 Annual_Ad_2203 TTEC Analysis
Hi everyone,
By filtering out stocks on a magicformula similar way i found TTEC holdings. A very interesting Stock in my opinion. The company is growing im revenue and diped from 100$ a share to 7-8$ a share.
The reason for that is the lowest margin ever and recently making negativ net income.
I do not find find any good reasoning why Mr. Market stopped believing in this company and valued this stock 350 MM. in market cap. Better said I do think to know why, but this low is not fair, in my opinion.
By looking in the balance sheet and how they financed the latest acquisitions I do not think they will go broke and are going to make profit again.
The are up to 7 analyst making a opinion about the stock and I do not believe any of them. They were recommending the stock even at peak price and are changing the buy or neutral recommendations constantly. But I do have faith in the Management.
The CEO Ken Tuchman, is founder, chair man (almost 60% ownership) and has over 20 years experience in running this Business. The new CFO is experienced as welll in his Job, but I am conflicted about that.
This Stock is everything I taught myself in value investing. It is cheap, still growing, has good mangment, has good ROA and ROIC, (referring to the operating Income) is not out my circle of competence and has the management owning stocks. (Moat is in progress)
Some Key Numbers:
Marketcap: 363,000,000$
Enterprise Value: 1,341,000,000$
EV/EBIT: 12
Current Ratio: 1.61
I do belive this stock is in a temporarily bad situation but is going to make profit again. Do you guys think ohterwise? Or do you have experience in that stock? Let me know. Cheers and thank you.
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2024.05.21 12:46 dragonofthewest_iroh First time getting Credit card for expenses… advice?
Hi all!
23m. I am looking at getting a credit card for work expenses, which get reimbursed every 3-4 weeks.
Up to now, I’ve paid out of pocket and claimed back. Realised this was silly. Expenses are about 800pcm but I claim back at 500 usually, by which time I receive it I have spent another 300 already.
I don’t want to pay interest, looking for advise on cards or how to navigate not paying interest as I will seemingly always have a negative balance, which most is paid off.
I thought about maybe putting £300 onto a card to begin with, so the total only dips into negative so far until I claim it back, it turns positive again (briefly).
Never had a credit card so only have a limited understanding. Any advice appreciated, thankyou
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2024.05.21 12:41 majorlix2 💸💵💲Sign up with EQ Bank and get $20.00 using my Referral Link 💸💵💲
💸💵💲Sign up with EQ Bank and get $20.00 using my Referral Link 💸💵💲
Ready to get your $20.00 bonus!? Follow these simple steps:
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- Simply fund the account with a minimum of $100 within the first 30 days to qualify.
- The next business day, $20.00 will be deposited into your account
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For more details about the EQ Bank referral program, please read the Terms & Conditions
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2024.05.21 12:41 One-Shower-9086 help
I honestly just don’t get it. sure porn was interesting to look at while i was a budding and horny teen just buying my first vibe, or just giving oral for the first time, but i truly can say i have no interest in anything; porn, other men/partners, whatsoever since i have been in this relationship. i’m 21, so i’m pretty young. i have gained a good bit of weight since we have been together, maybe 20-15 pounds, but he insists he still loves the way i look and that i am perfect. I’m just wondering what, if i am “perfect” there is to gain from porn?? why he is looking at OF leaks on reddit on his break, saving them while he’s in a drive through line, why he’s searching on some dodgy porn site for leaked content less than 10 minutes after we have sex while i am in the bathroom? our first d-day was a good while ago, around late august of last year. we have definitely had more, and while things have gotten marginally better, my one boundary is still not being respected. i even relented that he could still watch porn, but that’s o was not at all comfortable with him consciously seeking out individual women to look at— especially when those women look like everything i would have nearly died to look like at one point. one girl he even knew in person. since maybe the 3rd dday (novemberish) he deleted his “photo vault/spank bank” but i still find myself looking up the women i found on ig and comparing myself to what it is that he actually likes — what actually gets him off. our sex life has suffered, which i feel probably leads him more to porn and other self fulfilling methods.
04/16/24 i wrote that march 18th and to be quite honest, as I sit here mid april in the middle of the night, nothing has changed. I went through his phone again (pain shopping i know i know) after i glimpsed a porn site open while looking at his tax forms and closing his open apps (as i always do). i think i even made a comment about pretending that I didn’t see the porn/naked body on his screen. But I did. So now I sit here, sobbing next to him in bed at 3am while he snores and feeling again like the little girl who just wanted to be the first choice, not a compromise someone settles on. So now I sit here, wondering what is next, who is next, and how I change myself in order to ‘help’ him get away from porn. you see if i looked like the girls he wanted of course he wouldn’t need the others. So now I sit here, fighting the urge to make myself purge for the first time in years, to be closer to that image he so desperately needs, and cannot get from me. i sit thinking of the girl who so dearly wanted to be like the others, the ones who didn’t develop early, or later, the ones who didn’t have abnormally large boobs, just a cute butt and a flat flat stomach. the girl who just wanted to be loved so badly; who craved it as a child and can never seem to achieve it as an adult.
05/20/2024 the first week of may i cried myself to sleep every night. two of those i sobbed so hard he woke up. i don’t know what to do anymore. i grabbed his phone again today, after he had been to the bathroom for an extended amount of time with no shower running, and lo and behold! of course, there it was. every single time without fail. i just don’t know what to do. i want to look like those girls he looks at. i want to throw up my meals and workout relentlessly. i want to shrink my boobs and grow my ass. i want to be tiny again. i want to never eat again. i want him to physically see his harm change me— just as it has forever changed me mentally. i have cut myself down to around 1400 calories daily, with daily exercise of course as well. but even if i lose weight it will still not be enough. i haven’t been going to the gym for years and meal prepping and eating specifically. i fear i will never look like who he prefers. writing this, i want to claw anything ive ever eaten out of my body, i want to go back in time and tell younger me to work out, to care. i want to be pretty again, to stay pretty this time. i know anyone would tell me to break up and to leave, to put myself first, but i cant. i have never loved someone so hugely and completely. i know that i will most likely never have the strength to leave someone who i love, and despite everything, does/did love me in my eyes. at the same time i dont know how to look at him anymore. tonight i went and looked at every girl i could remember him looking at and searched them on instagram. there were 15 of them. i think i may send their profiles all at once to him in the morning when he wakes up. maybe even right in front of him— just to see his reaction. is that sick of me? i just want him to know that i know, and that honestly its ruining my life. i never feel pretty. I have never felt so ugly, so hideous, so monstrous, that my own boyfriend can’t even get off to me. sometimes i can’t even look at him. it hurts too much. i’m worried that if he looks at me too long that he will find something else that he dislikes about me, and look even more to rectify that in yet another woman. i almost wish he would find this and magically know this was about us, not that it would solve anything really. I have already poured my heart out, spoken calmly, been angry, forgiven, and sobbed as hard as i ever have before. what else i can do.
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2024.05.21 12:41 majorlix2 💸💵💲Sign up with EQ Bank and get $20.00 using my Referral Link 💸💵💲
💸💵💲Sign up with EQ Bank and get $20.00 using my Referral Link 💸💵💲
Ready to get your $20.00 bonus!? Follow these simple steps:
- Sign up for an EQ Bank Personal Account using this link https://join.eqbank.ca?code=alexander6184
- Simply fund the account with a minimum of $100 within the first 30 days to qualify.
- The next business day, $20.00 will be deposited into your account
It’s that easy!
For more details about the EQ Bank referral program, please read the Terms & Conditions
https://www.eqbank.ca/general-banking/legal/referrals-terms-of-use.
This bonus is just the start of the great value you’ll get as an EQ Bank customer:
- Earn everyday high interest
- Send as many free Interac e-Transfers® as you like
- Buy GICs in seconds at some of the highest guaranteed rates in the country
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2024.05.21 12:41 damianerie Loan from parents to purchase an apartment
Hi all,
I am considering purchasing an apartment/andelsbolig and have encountered a challenge with securing a mortgage. My savings are under 400k DKK, but I can receive approximately 1.5m DKK from my parents. While this can be done tax-free through an anfordringslån, my bank (Nordea) does not consider these funds as 'mine' since they are a loan, even with a 0% interest rate.
I'm thinking of alternative ways for my parents to transfer this money to me so it doesn't appear as a loan. (Is it legal for them to send the money to my bank account in my native country?) One other idea is to receive part of the money as a gift (amounts above 140k DKK would be taxed at 15%) and the rest as a loan. However, I'm not sure if this is the best approach. What would you recommend?
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damianerie to
dkfinance [link] [comments]
2024.05.21 12:38 ptrkmtrk Interest rate derivatives market on Arbitrum - looking for Arbitrum real adopters
Hey lovely Arbitrum community people!
We're launching the Rho Protocol private beta and are looking for beta traders to help us test our on-chain interest rates market on Arbitrum.
Why participate?
- Trade a new asset class in DeFi
- Manage funding rate volatility
- Earn points in our Rewards Program
Our Mainnet Beta Launch is set for May 29th at 12 noon UTC. The first 100 participants will get a higher share of points in our Rewards Program.
Interested in joining? Comment below or DM us to be part of the Beta 100.
Let's work together to advance Arbitrum!
Arbitrum #DeFi #BetaLaunch
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2024.05.21 12:38 fire4dayzz WWYD - Big decisions incoming!
Hey all, here is my scenario and current plan would love people to question my thought process.
Goal = Get off the treadmill, although still happy to work / consult but slow the pace down a bit enjoy more family time, Get a meaningful positive cashflow from investments.
38, Married with 1 kid (no more incoming).
PPOR = $1.8M (owe $0.69 cents (just cos) on $700k mortgage which can be redrawn. )
Shares = $1.4-1.5M after CGT in my company (way too high risk for me).
HHI = $200-220k pre tax (lower than alot of you, but partner has started new business which is starting to grow)
Yearly Expenses = $70k (can save around 50k per year after expenses). Potential for private school in 4 years, maybe..........
Plan
Sell $750k'ish of shares (after CGT) invest in commercial property ($2-$2.5M range, a good long lease,) with a net yield estimate 6%. Net cashflow around $30k-38k per year (not included capital growth). This will be purchased in a Discr. Trust with Corporate trustee to divy out the income.
Take $500k-600k of the last of the shares and sell down over the next 6 months place into some ETF's. Then add the extra 50k per year into the ETFs. Lets say $24k per year at a 4% withdrawal rate.
Leave 100k in High interest for commercial property issues and life things.
Whilst I'm working, the net income from the commercial property pays off it's mortgage.
Worst case, the above would provide me with $55k per year in income, with $70k expenses. Meaning I have the flexibility to take a lower paying role, and still save and still have growth in my investments.
I'm not really touching the equity in my house at all as it's a safety net, but I could potentially look at using against another investment down the road and debt recycle. I could potentially leverage more tbh.
The above plan spreads my NW risk across, my house, commercial property, and the Market (ETFs), and gives me flexibility and cashflow over the coming years to find a job that aligns more, figure out my next steps and reduce any major stresses.
What are people's thoughts?
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AusHENRY [link] [comments]
2024.05.21 12:35 Interesting-Pea-5929 What role does SEO (Search Engine Optimization) play in attracting organic traffic to a dropshipping store?
Search Engine Optimization (SEO) is a fundamental strategy for attracting organic traffic to any online business, and dropshipping stores are no exception. In a competitive e-commerce landscape, effective SEO can distinguish your store from the countless others vying for consumer attention. Here's an in-depth look at how SEO can play a pivotal role in driving organic traffic to your dropshipping store.
1. Understanding SEO for Dropshipping SEO involves optimizing your website to rank higher on search engine results pages (SERPs), thus increasing visibility to potential customers. For
dropshipping stores in India, which often operate on thin margins and face stiff competition, leveraging SEO is crucial for sustainable growth.
2. Keyword Research Keyword research is the foundation of any successful SEO strategy. Identifying the right keywords helps you understand what potential customers are searching for. This involves:
- Long-Tail Keywords: These are more specific phrases that potential customers might use, such as "affordable ergonomic office chair." Long-tail keywords often have less competition and higher conversion rates.
- Product-Specific Keywords: Focus on keywords directly related to your dropshipping products. This ensures that your store appears in searches for the exact products you offer.
Effective keyword research tools like Google Keyword Planner, SEMrush, and Ahrefs can provide insights into search volume and competition levels for your chosen keywords.
3. On-Page Optimization On-page SEO refers to the practices used to optimize individual web pages to rank higher. Key elements include:
- Title Tags and Meta Descriptions: These are the first things users see on SERPs. They should be compelling and include your target keywords to improve click-through rates.
- Header Tags (H1, H2, H3): Properly structured headers help search engines understand the content of your page and improve readability for users.
- Content Quality: High-quality, informative, and engaging content is essential. Product descriptions, blog posts, and landing pages should provide value and include relevant keywords naturally.
- URL Structure: Clean, descriptive URLs that include keywords help search engines and users understand what the page is about.
4. Technical SEO Technical SEO ensures that your website meets the technical requirements of search engines. Important aspects include:
- Site Speed: Fast-loading pages improve user experience and are favored by search engines. Tools like Google PageSpeed Insights can help you identify and fix speed issues.
- Mobile Optimization: With the increasing use of mobile devices, having a mobile-friendly website is crucial. Google uses mobile-first indexing, meaning it predominantly uses the mobile version of the content for indexing and ranking.
- Secure Website (HTTPS): Security is a ranking factor. Ensure your site uses HTTPS to protect user data and improve trust.
5. Content Marketing Content marketing is a powerful tool to attract and engage your target audience. By creating valuable content that addresses the needs and interests of your potential customers, you can drive organic traffic and establish your store as an authority in your niche. Strategies include:
- Blog Posts: Regularly publishing blog posts on relevant topics can attract visitors searching for information related to your products.
- Guides and Tutorials: Comprehensive guides and how-to tutorials can drive traffic and build trust with your audience.
- Product Reviews and Comparisons: Detailed reviews and comparisons help customers make informed decisions, increasing the likelihood of conversions.
6. Link Building Backlinks from reputable websites signal to search engines that your site is credible and authoritative. Effective link-building strategies include:
- Guest Blogging: Writing guest posts for popular blogs in your niche can earn you high-quality backlinks.
- Influencer Collaborations: Partnering with influencers can generate backlinks and drive traffic from their audience.
- Broken Link Building: Identify broken links on other websites and suggest your relevant content as a replacement.
7. Local SEO If your dropshipping store targets specific geographic areas, local SEO is essential. This includes optimizing for local search terms, creating a Google My Business listing, and encouraging customer reviews.
Conclusion SEO plays a crucial role in attracting organic traffic to a
dropshipping store by improving visibility, driving targeted traffic, and enhancing user experience. By implementing comprehensive SEO strategies—including keyword research, on-page and technical optimization, content marketing, link building, and local SEO—you can increase your store’s online presence, attract more visitors, and ultimately boost sales. In a competitive dropshipping market, investing in SEO is a vital step towards long-term success and growth.
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2024.05.21 12:35 RidetheSchlange Corny and Brian on McIntyre Finally Being Interesting
https://www.youtube.com/watch?v=vSHEQS9gcsI They brought up a point regarding Vince McMahon's meddling with McIntyre's presentation and now that he's gone, McIntyre's personality is coming out and getting over.
Even with him melting down weekly in the storyline, he's super interesting.
As for Vince, I saw and read he always had a hard on for Europeans and in the absence of them, he would manufacture them, like he did with Hogan. He always seemed to be into making white European characters and marginalizing everyone else with tropes and racist gimmicks.
Again, McIntyre and Punk aren't even cleared to wrestle and they're the feud of the year and now it's bringing Priest's standing up as well.
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2024.05.21 12:34 mansi008 Doctor Loan Interest Rates and Repayment Terms
| https://preview.redd.it/39a6q1oecr1d1.jpg?width=1000&format=pjpg&auto=webp&s=228663ec0b870fb7c065d1255e39bee17c00bab4 Doctors play a crucial role in society, dedicating their lives to providing medical care and saving lives. However, the financial journey of a medical professional is unique, often involving hefty educational expenses, starting a practice, and managing personal finances. To support doctors in their financial endeavors, many financial institutions offer specialized loan products known as Doctor Loans. In this article, we will delve into the important aspects of Doctor Loan interest rates and repayment terms, helping doctors make informed decisions about their financing options. Understanding Doctor Loans Doctor Loans are specialized loan products designed specifically for medical professionals, including doctors, dentists, and veterinarians. These loans are tailored to address the unique financial needs and challenges faced by doctors throughout their careers. Whether it's funding medical education, setting up a practice, or meeting personal financial goals, Doctor Loans provide doctors with the necessary financial assistance. Doctor Loan Interest Rates Interest rates are a crucial factor to consider when applying for any loan, including Doctor Loans. The interest rate determines the cost of borrowing and directly impacts the total amount to be repaid over the loan tenure. Doctor Loan interest rates can vary based on several factors, including the financial institution, loan amount, loan term, creditworthiness, and market conditions. Typically, Doctor Loans offer competitive interest rates, often lower than other unsecured loans, as doctors are considered low-risk borrowers due to their stable income potential. Factors Influencing Doctor Loan Interest Rates Credit Score: Lenders assess the creditworthiness of doctors by evaluating their credit scores. A higher credit score indicates a lower risk for the lender, which may lead to more favorable interest rates. Therefore, maintaining a good credit history is crucial for securing a lower interest rate on Doctor Loans. Loan Amount and Tenure: The loan amount and tenure can also influence the interest rate. Higher loan amounts or longer repayment terms may lead to slightly higher interest rates, as they increase the perceived risk for the lender. Market Conditions: Interest rates are also influenced by market conditions, such as the prevailing economic climate, inflation rates, and monetary policies. Lenders adjust their interest rates based on these factors, which can impact the interest rates offered on Doctor Loans. Repayment Terms for Doctor Loans Repayment terms refer to the conditions and schedule for repaying the borrowed amount. When considering Doctor Loans, it's essential to review the repayment terms to ensure they align with your financial capabilities. Here are some key aspects to consider: Loan Tenure: The loan tenure refers to the duration within which the borrowed amount needs to be repaid. Doctor Loans generally offer flexible loan tenures ranging from a few months to several years. Longer tenures may result in lower monthly installments, but it's important to assess the overall interest paid over the extended period. EMI (Equated Monthly Installment): The EMI is the fixed monthly payment made towards repaying the loan. It consists of both the principal amount and the interest. Doctor Loans typically have a fixed EMI, providing ease of budgeting and financial planning. Prepayment and Foreclosure: Some loan for Doctor allow borrowers to prepay or foreclose the loan before the agreed tenure, either partially or in full. It's important to understand the terms and conditions associated with prepayment or foreclosure, as they may involve additional charges or penalties. Grace Period: In certain cases, Doctor Loans may offer a grace period before the repayment commences. This period allows doctors to establish their practice and stabilize their income before starting the loan repayment. Choosing the Right Doctor Loan With numerous financial institutions offering Doctor Loans, it's crucial to compare and evaluate different options to find the most suitable one. Here are some factors to consider when selecting a Doctor Loan: Interest Rate: Compare the interest rates offered by various lenders to secure the most competitive rate that aligns with your financial goals. Loan Amount and Tenure: Assess your financial requirements and choose a loan amount and tenure that fits your needs. Consider the impact of longer tenures on the overall interest paid. Repayment Terms: Review the repayment terms, including the EMI amount, prepayment options, foreclosure charges, and grace period, to ensure they suit your financial capabilities. Additional Features: Some lenders may offer additional features such as flexible repayment schedules, top-up facilities, and personalized customer service. Consider these features when making your decision. Conclusion Doctor Loans offer medical professionals the necessary financial assistance to meet various needs throughout their careers. When considering Doctor Loans, it is essential to understand the interest rates and repayment terms associated with these loans. Competitive interest rates, influenced by factors such as credit scores, loan amount, tenure, and market conditions, ensure favorable borrowing costs for doctors. Furthermore, assessing repayment terms, including loan tenure, EMI, prepayment options, and grace periods, helps doctors choose a loan that aligns with their financial capabilities. By understanding and comparing these vital aspects, doctors can make informed decisions and secure the best possible financing options for their specific needs. It is advisable to research and consult with multiple financial institutions to find the most suitable Doctor Loan that offers competitive interest rates and favorable repayment terms. submitted by mansi008 to u/mansi008 [link] [comments] |
2024.05.21 12:31 Low-Price-5941 Leveraged ETFs in ISA.
I have been reading a lot about leveraged ETFs in the last few months. However it is a complex topic and I wanted to see what thoughts were about it on this sub.
LETFs use various financial instruments to magnify changes in the underlying ETF. They have significant disadvantages including volatility decay, higher fees and overall much greater volatility and with the potential for some eye watering drawdowns. However, they also have the potential to greatly increase your returns. If this is the first time you have come across them then this post is probably not for you. Rather than trying to explain them I will post a few links that may be helpful for those that have not come across them before:
https://www.investopedia.com/terms/l/leveraged-etf.asp https://www.afrugaldoctor.com/home/leveraged-etfs-and-volatility-decay-part-2 https://www.youtube.com/watch?v=WzjApwk6VjY https://www.reddit.com/FinancialAnalysis/comments/196rmda/what_is_the_optimal_amount_of_leverage/ https://www.bogleheads.org/forum/viewtopic.php?t=272007 There is a lot of analysis online that discusses the optimum amount of leverage for a portfolio. You can use
this calculator for example which currently suggests a leverage of about 1.5. I have checked on some of the ISA platforms and you can indeed purchase LETFs on them.
Let's say somebody has the following investment goals:
1) A >10 year investment horizon
2) A high risk tolerance
3) The ability to invest more than the ISA limit a year
My proposed investment strategy would be:
1) Invest 20% of your ISA into SPXL or similar (SPXL is SPY with 3x leverage)
2) De-risk yourself by investing in bonds in your general investment account (eg VGLS60A)
3) Aim for leverage of around 1.3 (more conservative than the "optimal" amount of leverage
This would have the advantage of focusing most of your gains into the tax free account and limiting your tax bill in the general investment account which seems like a big benefit to this strategy in the UK. The expected return would theoretically be more than 30% higher than an a leverage of 1.0 although I don't quite have the maths to figure this out.
In addition to the usual risks of investing in say the FTSE global all cap there are some additional risks with this strategy:
1) Increasing interest rates and borrowing costs although hopefully these are coming down in the short term
2) LETFs being banned from ISAs in the future
3) Being invested in a less diversified fund. As far as I know there is no FTSE global all cap LETF. To get more diversified one could hold LETFs for multiple different ETFs (eg SPXL, TQQQ, 3UKL, FNGU). However this would require periodic re-balancing.
4) Being able to stay committed to your investing strategy despite massive drawdowns (eg an 80% decrease in the LETF).
5) The higher fees (~1%)
6) Most of these LETFs are held in the US and I am unclear if there are any currency issues with this strategy
I am very cautious about this given to an extent it seems "too good to be true". I thought I would post this so that somebody more knowledgeable than me can point out what I have missed.
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http://activeproperty.pl/