Discussion ***Official*** 2025 Stock Market Thread 💰

[FelixDeCat]

Question for those that use Fidelity.

If you park your cash money in FZDXX money market funds (not a core position),

And then you want to buy stocks or etfs.. does it automatically use the money in FZDXX or you are required to sell it first?

Thanks if anyone's able to answer.

I've had Fidelity for years. My account reinvests unused money in SPAXX the 4% mm, debits that account to buy stock and credits that account when stocks are sold. It's all automatic.

 

[jpiniero]

Microsoft is laying off a bunch of people. Surprisingly the stock isn't up.

 

[Indus]

Microsoft is laying off a bunch of people. Surprisingly the stock isn't up.

What a shocker!

Even FIN-fluencers are talking about it..

 

[Charmonium]

What I think is "interesting" is what happens when AI f's up and the humans are too stupid to realize just how wrong it is.

"Uhmm, so the AI is saying that we need to remove his torso. Does that sound right to you?"

 

[Charmonium]

On a more serious note . . .

The more complex a system is, the more opportunities for failure exist.

I have no idea how AI is currently being used but the likely long-term result is that we migrate toward regarding these systems as "magic boxes" - such that we lose even the ability to understand when they are grossly off of the mark.

 

[biostud]

On a more serious note . . .

The more complex a system is, the more opportunities for failure exist.

I have no idea how AI is currently being used but the likely long-term result is that we migrate toward regarding these systems as "magic boxes" - such that we lose even the ability to understand when they are grossly off of the mark.

I'm not a programmer, but as far as I understand, documentation is usually pretty important writing code. Can't AI write comprehensive documentation for its code?

 

[akenbennu]

I'm not a programmer, but as far as I understand, documentation is usually pretty important writing code. Can't AI write comprehensive documentation for its code?

It actually will in some cases, but in my experience it can only iterate on existing code and isn't good about creating new things.

 

[jpiniero]

What a shocker!

Even FIN-fluencers are talking about it..

So far the numbers of people drawing unemployment hasn't moved much. (Feds aren't included in this)

 

[dullard]

So far the numbers of people drawing unemployment hasn't moved much. (Feds aren't included in this)

The interesting thing is when you break down the numbers. See data here:

Employment Situation Summary Table B. Establishment data, seasonally adjusted - 2025 M06 Results

www.bls.gov

The gain in private job gains has been decreasing for several months. Recently, the private gain is almost entirely in health care / social services. In this latest report, 58600 of the 74000 private job gains were in that sector.

The only other big change was in government jobs. 73,000 more government jobs in this last report. That closely matches the ~75,000 federal government workers who took the offer to resign with pay until September. Basically, state and local governments are snatching up many of the federal workers.

Any job losses by AI are likely to be concentrated in the Professional and business services sector. That lost 7,000 jobs, but really AI has not yet had much impact. Yet.

 

[Brainonska511]

What I think is "interesting" is what happens when AI f's up and the humans are too stupid to realize just how wrong it is.

"Uhmm, so the AI is saying that we need to remove his torso. Does that sound right to you?"

What's really annoying is that there are practical uses for AI, and they're getting drowned out by the hype around ChatGPT and putting artists out of business.

Some practical uses I've seen in medicine: being able to review medical histories and flag things that could suggest a specific disease (eg, constellation of symptoms), which could be particularly useful for someone who sees one specialist for X, but then another specialist for Y. Or being able to take a screen certain types of imaging (or review imaging results over time).

 

[FelixDeCat]

What I think is "interesting" is what happens when AI f's up and the humans are too stupid to realize just how wrong it is.

"Uhmm, so the AI is saying that we need to remove his torso. Does that sound right to you?"

Uhmm, the AI says humans need radiation therapy and suggests Russians would appreciate detonating nuclear medication over Moscow, St Petersburg and Novosibrisk. In return they will deliver nuclear therapy to New York, Houston and Los Angeles.

Execute? Y/N

 

[FelixDeCat]

What a shocker!

Even FIN-fluencers are talking about it..

View attachment 126555

But its not just AI, companies are still firing Americans and using foreign labor.

And this guy tricked a company into making them believe he was in America but was working remotely in India

'What about I-9 verification': US tech workers on Indian techie Soham Parekh's fraud amid mass layoff - Times of India

Times of India brings the Latest & Top Breaking News on Politics and Current Affairs in India & around the World, Cricket, Sports, Business, Bollywood News and Entertainment, Science, Technology, Health & Fitness news & opinions from leading columnists.

timesofindia-indiatimes-com.cdn.ampproject.org

 

[dasherHampton]

So -

Did anyone here hit the bitmine jackpot?

I'm guessing the Lamborghini dealerships were busy this this afternoon in NY.

 

[FelixDeCat]

So -

Did anyone here hit the bitmine jackpot?

I'm guessing the Lamborghini dealerships were busy this this afternoon in NY.

I was thinking about buying 1 lousy share at $19, when it was from $2 in ONE DAY. The problem with 1 share is that it doesnt stay 1 share. If it does well it is too tempting not to add 99 shares, then 299 shares, etc.....


I was worried what would happen when the worthless market makers would crash the stock. The day it went from $2 to $19, considering if the shares issued at the Private Placement price of $4.50 were calculated into the market cap, the company would be valued at $1.22 billion. At $150, I figured the market cap was $10 billion for a lousy $250 million dollar Etherium treasury.


The same thing happened to SBET. It went from $2.50 to $124 before crashing back down $8.00 after all the shares were registered. I could be wrong, BMNR might not go back to $5, but If I am missing something then I guess my own fear kept me out of a great trade.

 

[jpiniero]

The only other big change was in government jobs. 73,000 more government jobs in this last report. That closely matches the ~75,000 federal government workers who took the offer to resign with pay until September. Basically, state and local governments are snatching up many of the federal workers.

I could see private hiring Experienced Feds too, if Corpos are actively avoiding hiring New Grads now.

 

[FelixDeCat]

Can we have one big beautiful 10% market correction?

 

[Indus]

Can we have one big beautiful 10% market correction?

We can't even get Tesla to have a correction when it's clearly targetting itself as the Nazi Swastikar and Grok as the Nazi Search Engine!

 

[jpiniero]

A Record 1 in 5 New-Car Shoppers Committed to a $1,000+ Monthly Payment in Q2 2025, According to Edmunds | Edmunds

A Record 1 in 5 New-Car Shoppers Committed to a $1,000+ Monthly Payment in Q2 2025, According to Edmunds

www.edmunds.com

Lulz, almost 20% of new car buyers are doing 1k+ monthly payments and over 20% are going for a 7 year loan. That's like an apartment in most of the country.

 

[repoman0]

A Record 1 in 5 New-Car Shoppers Committed to a $1,000+ Monthly Payment in Q2 2025, According to Edmunds | Edmunds

A Record 1 in 5 New-Car Shoppers Committed to a $1,000+ Monthly Payment in Q2 2025, According to Edmunds

www.edmunds.com

Lulz, almost 20% of new car buyers are doing 1k+ monthly payments and over 20% are going for a 7 year loan. That's like an apartment in most of the country.

Considering you thought a $1200 monthly grocery bill is a mortgage in most of the country I think it’s safe to say you have no idea how much things actually cost.

I bet pickup drivers are distorting those stats. The vast majority of them go for ridiculous 84 month loans, lol. You have to be a broke moron to drive a new truck but new trucks aren’t cheap.

 

[jpiniero]

Considering you thought a $1200 monthly grocery bill is a mortgage in most of the country I think it’s safe to say you have no idea how much things actually cost.

You must be in some kind of serious bubble buddy. I think you said you were in Boston? Like only Manhattan and the Bay Area is more expensive.

 

[repoman0]

You must be in some kind of serious bubble buddy. I think you said you were in Boston? Like only Manhattan and the Bay Area is more expensive.

lol. Look up some statistics. Nowhere in the country is $1000 an average apartment. The median home price is now over $400k and mortgages are 7% — do the math.

Average Rent by State 2025

Discover population, economy, health, and more with the most comprehensive global statistics at your fingertips.

worldpopulationreview.com

Median Home Price by State 2025

Discover population, economy, health, and more with the most comprehensive global statistics at your fingertips.

worldpopulationreview.com

 

[AdamK47]

Who in the lard ass end of America is spending $1200+ a month in groceries?

 

[repoman0]

Who in the lard ass end of America is spending $1200+ a month in groceries?

People who aren’t poor and single, and who buy good healthy ingredients. If you ate anything besides hot dogs and baked beans you’d know salads are expensive.

 

[AdamK47]

People who aren’t poor and buy good ingredients. You must shop at Market Basket. Sorry to hear, I won’t step foot in there.

Bipedal hippos. It's scary out there every time I have to leave the confines of my home.

I shop Aldi, Costco, and Kroger.

I also eat 95% of what I buy, watch my caloric intake, and exercise.

Groceries for two average less than $500 a month. There is no good reason not to eat healthy food and stay within a reasonable budget. Even with all the recent inflation.

It's no wonder the personal savings rate for the average American is less than 5% with the way people throw away money each month.

 

[repoman0]

Bipedal hippos. It's scary out there every time I have to leave the confines of my home.

I shop Aldi, Costco, and Kroger.

I also eat 95% of what I buy, watch my caloric intake, and exercise.

Groceries for two average around $500 a month. There is no good reason not to eat healthy food and stay within a reasonable budget. Even with all the recent inflation.

It's no wonder the personal savings rate for the average American is less than 5% with the way people throw away money each month.

My savings rate (and weight and exercise habits for that matter, although not sure what that has to do with anything) are just fine. Nobody cares about your $500 hot dog budget.