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21d06/03

Question about savings with personal loan

I don't really understand this stuff so I have to ask. My mother(55) has really good credit with the bank, always pays bills on time, no purchases, no debt, and saves her money as well. She wants to get a personal loan of Є16000(16k when converted to Є from my currency which is a lot) which she then wants to put it in a savings account that pays out yearly, the savings account would give her ~Є500 a year, and the yearly payback on the loan is ~Є550, so she would have to pay back ~Є50 a year(whic

Social◇ unclassifiedeurope
21d06/03⚠ shipping-routes · 2/5

Kuwait Says Oil Output Won't Recover for 10-12 Weeks After Hormuz Reopens

Kuwait Petroleum Company expects it will take considerably longer to restore oil production than many traders appear to assume if the Strait of Hormuz reopens in the coming days. Speaking at the S&P Global Energy Middle East Petroleum and Gas Conference, the company’s managing director for international marketing, Shaikh Khaled Ahmad Al-Sabah, said Kuwait would need six to eight weeks to recover roughly 70% of normal production levels after Hormuz reopens, with the remaining 30% requiring about

◇ unclassifiedmiddle-east · russia · usa
21d06/03

Sp500 biggest 100 years of structural changes

A lot of people treat the S&P 500 like it is a passive, mathematical law of nature. It isn't. It is an actively managed, rules-based product run by a committee, and they change the rules whenever the market threatens to break their methodology. Right now in mid-2026, they are quietly rewriting the rulebook to accommodate the incoming wave of massive IPOs like SpaceX and Anthropic. I wanted to break down exactly what is happening now, and rank the most impactful structural changes the index has m

Social◇ unclassifiedusa
21d06/03⚠ war-conflict · 1/5

Avoid Trade Republic! They're blocking my portfolio transfer and support gives conflicting information

I’m based in Spain and I’m currently trying to transfer my securities positions from Trade Republic to another broker. However, I’ve run into a complete lack of clarity from support, and I’m trying to understand if anyone else has experienced the same issue. So far, I’ve received multiple conflicting explanations from support agents: First, I was told I could initiate the transfer directly from the app Then I was told that Spanish accounts don’t support outgoing position transfers, which is why

Social◇ unclassifiedeurope · usa
21d06/03

Trump says Vance and Rubio teaming up for 2028 run would be unbeatable

US President ⁠Donald Trump said ⁠in a podcast interview aired on Wednesday that Vice-President J.D. Vance and US Secretary of State Marco Rubio, teaming up for a 2028 presidential run, would be ‌unbeatable. Both men are seen as contenders for the 2028 Republican nomination, and Rubio’s recent turn at the White House podium drew praise from Republicans and even some Democrats who noted his smooth performance, which included quips and ⁠a 1990s hip-hop reference to describe Iran’s negotiating...

◇ unclassifiedchina · asia · usa
21d06/03⚠ war-conflict · 3/5

Britain’s Borrowing Outlook Darkens as Energy Shock Deepens

Chancellor Rachel Reeves has been warned that government borrowing is set to spike as a result of the Iran war, as the Office for Budget Responsibility admitted it had underestimated the effects of the last energy price shock. In a review of its forecasting models, the OBR suggested it had learned lessons from Russia’s full-scale invasion of Ukraine, which led to gas prices rising by around five times. It said the overall impact on public finances “was to significantly increase government borrow

◇ unclassifiedmiddle-east · russia · usa
21d06/03

Past a certain savings threshold, there's no need to keep your emergency fund / home savings out of the stock market

Contentious statement I know but hear me out. Say you want to maintain a $20,000 emergency fund and a $100,000 reserve for a down payment on a home in a year or two. The conventional advice is to put this in a high yield savings account or some similar financial instrument. However, over a certain threshold of savings, this isn't necessary anymore. On average you will be losing out of potential gains from the market, and even if there was a catastrophic crash, provided you held a diversified por

Social◇ unclassifiedusa
21d06/03

BYD, am I right in thinking there’s potential here?

TLDR: BYD is doing a lot of the right things, they are a sleeper stock and should be greatly considered. Count how many BYD cars you see today. BYD: A Long-Term Investment Thesis Introduction I’ve spent a lot of time thinking about BYD. When I look at the automotive industry, I struggle to find many genuinely new companies that have broken into established markets. The car industry is one of the hardest to enter. Building a good car is difficult. Building millions is harder. Building dealerships

Social◇ unclassifiedsocial-signal
21d06/03

MTR Corp boss Jacob Kam elected chairman of Hong Kong’s largest business chamber

The non-executive chairman of Hong Kong rail giant the MTR Corporation has been elected as the new head of the city’s largest business chamber for a one-year term. Jacob Kam Chak-pui, 64, took over as chairman of the Hong Kong General Chamber of Commerce on Wednesday following an election among members, expressing “strong confidence” in the city’s economic development. Kam, previously the chamber’s vice-chairman, said he believed the market outlook was rebounding as the global macroeconomic...

◇ unclassifiedchina · asia
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