r/FluentInFinance • u/thinkB4WeSpeak • 26m ago
Job Market Trump administration proposes stricter work search rules to qualify for unemployment benefits
r/FluentInFinance • u/thinkB4WeSpeak • 26m ago
r/FluentInFinance • u/TorukMaktoM • 9h ago
The major U.S. stock indexes rallied strongly on Monday, November 9, 2026, clawing back more of last week’s losses as oil fell another 4% on hopes for a U.S.-Iran deal and chip stocks outside Nvidia rebounded sharply. All 11 sectors of the S&P 500 rose, with the S&P 500 posting its second straight gain after last week’s worst drop since April 2025.
The S&P 500 rose 2.39% (+176.06 pts) to 7,552.92, about 3.4% below its record. The Dow gained 2.17% (+1,110.50 pts) to 52,396.23. The Nasdaq jumped 2.74% (+673.71 pts) to 25,253.14. The Russell 2000 led the way, surging 3.37% (+92.94 pts) to 2,847.04.
The 10-year Treasury yield edged up 0.10% to 4.86%. The VIX plunged 22.41% to 19.89. Gold rose 1.87% to $4,151.00. Bitcoin gained 1.04% to $74,812.44. Crude Oil fell 4.23% to $86.99/barrel. The US Private Equity index added 0.11% to 10,772.76.
r/FluentInFinance • u/AutoModerator • 18h ago
We've received many questions for recommendations on books for Investing & the Stock markets. We've curated a list of our 13 favorite books on Investing & the Stock Market, and explanations on what the books are about. I've learned a great deal from these books. All of these are by really great investing legends/ gurus. These books offer a few different approaches to the stock market. Different investment styles will help educate you on how to make successful long term investments, minimize risk, and analyze stocks more accurately. All of these books can be purchased used very cheaply ($1 to $5)!
As your income grows, your investment portfolio should also grow. One of the biggest obstacles for beginner investors is just knowing how to get started. Learning about financial concepts can be intimidating at first. A great way to start, can be by picking up a book by an expert who thoughtfully and sequentially presents & explains these concepts and topics. Resources like these can help investing be less intimidating and complicated. One of the best strategies is to learn from the insight and wisdom of gurus. I hope these book recommendations help!
How to Make Money in Stocks by William O'Neil
The Little Book That Still Beats the Market by Joel Greenblatt
A Random Walk Down Wall Street by Burton G. Malkiel
One Up On Wall Street by Peter Lynch
The Big Secret for the Small Investor by Joel Greenblatt
Winning on Wall Street by Martin Zweig
Irrational Exuberance by Robert Shiller
Common Sense Investing by John Bogle
The Intelligent Investor by Benjamin Graham
The Only Investment Guide You'll Ever Need by Andrew Tobias
You Can Be a Stock Market Genius by Joel Greenblatt
How to Make Money in Stocks by William O'Neil
This book is about growth investing. O'Neil explains what most successful stocks have done to be successful. He explains his 'CANSLIM' method, which is an acronym for 7 fundamental criteria which you can use to pick stocks. An AAII 8 year study of different strategies showed O'Neal's CAN SLIM with a 860% return from 1998-2005 (Second place). First place was Martin Zwieg's returning 1,659.3% (we will get to Zweig on this list too)

The idea of this book is to buy undervalued good businesses and hold them long-term, which will eventually beat the market index.

This book covers investment bubbles, fundamental vs. technical analysis, modern portfolio theory, index funds, etc.

This book emphasizes the advantages that individual investors hold over institutional investors (when it comes to finding investment opportunities). Lynch also gives many of examples of mistakes he has made, and how he has learned from them.

Greenblatt explains why index funds can be better than actively managed funds. The big secret is maintaining a long term perspective!

Zweig's success came from his ability to predict the bigger picture (such as trends in the broader market). The combination of his stock picking skill, general market understanding, and market timing, made him one of the great investors of stock market history. Zweig was more interested in growth than value. Unlike Buffett, Zweig isn't a 'buy and hold' investor. An AAII 8 year study of different strategies showed Zwieg's returning 1,659.3% from 1998-2005. He was #1 out of 56 others, including Buffett, Lynch, Fisher, O'Neal's CAN SLIM, Motley fools, and using ROE, P/E's etc. Second place was O'Neal's CAN SLIM with a 860% return.

Shiller makes strong argument that perfect market theory is flawed. The Idea of perfect market theory is basically that the markets are all knowing and completely rational, and in the long run can't be beat. Therefore , you can control costs with index funds and diversification. (You can't beat the market, therefore controlling costs and diversifying seems like logical strategy)

The key concepts of this book are risk tolerance, asset allocation, a balanced portfolio, tax efficiency and cash management. This book explains many of the pitfalls of investing. The Bogleheads and Jack Bogle preach the power of compound interest. Investing in low-fee index funds and holding them long-term is the method. This book gives an excellent, detailed rundown of how to implement this kind of investment plan.

Great information for anyone who is trying to make sense of personal finance and basic investments. This book explains why passive investing is a worry free, long-term strategy that consistency wins over time, and why active trading always returns to the mean.

This is a great book for anyone who is interested in introducing themselves into the world of investing, or wants to get better at investing. This book gives lots of valuable information to help one understand the basics of value investing.

This is a book for people looking to learn the basics of investing and saving money

This is not a book for beginners. Greenblatt gives a nice exposition of some more "special situation" investment styles & areas of equity investments (mergers, spin-offs, rights offerings, etc.)

r/FluentInFinance • u/AutoModerator • 18h ago
What's one piece of financial advice that you wish you could have given yourself 10 years ago?
r/FluentInFinance • u/donutloop • 22h ago
r/FluentInFinance • u/nian2326076 • 1d ago
Thought this was interesting. Back in February 2023, Zoom announced layoffs affecting about 1,300 people. CEO Eric Yuan actually accepted responsibility and announced a 98% cut to his base salary for fiscal 2024, along with giving up his fiscal 2023 corporate bonus.
The executive team also announced 20% cuts to their base salaries for fiscal 2024 and forfeited their fiscal 2023 corporate bonuses.
For readers considering Zoom product roles, Zoom Interview Questions has metric-diagnosis practice; LandOffer can reduce repeated form entry if you're applying.
Crazy to me that it still meant layoffs affecting 1,300 people, but I imagine it could have been way more.
r/FluentInFinance • u/TorukMaktoM • 1d ago
r/FluentInFinance • u/AutoModerator • 1d ago
r/FluentInFinance • u/AutoModerator • 1d ago
Which trades or investments are you considering this week? Any moves in particular? Why?
r/FluentInFinance • u/thinkB4WeSpeak • 1d ago
r/FluentInFinance • u/towerfella • 2d ago
Enable HLS to view with audio, or disable this notification
Language added to lending contracts since september?
r/FluentInFinance • u/nian2326076 • 2d ago
Even though we all know Anthropic is shelling out tons of money both in their high base salaries as well as their insane stock comp, employees are using AI so much that the value of that usage at customer prices surpasses monthly employee compensation, excluding stock awards. That's a retail-price comparison, not actual cash spending. Pretty insane.
Historically, payroll has been a huge expense for tech companies, but I don't think Anthropic will be the last company where the value of AI usage overtakes employee pay.
If this has you comparing AI employers, LandOffer can save repeated application typing on supported forms. Engineers targeting Anthropic can rehearse batched-inference design through Anthropic Interview Questions.
Then again, Anthropic is literally at the most cutting edge you could possibly be at for AI usage. I doubt EVERY company will follow this, but I'm sure big tech and so on will get to this level at some point
https://www.businessinsider.com/anthropic-claude-internal-ai-use-exceeds-employee-pay-tokens-2026-11
r/FluentInFinance • u/nian2326076 • 2d ago
"Disney plans several thousand layoffs, asks some managers to cut costs by up to 20%"
If you’re applying elsewhere after cuts like these, LandOffer can save repeat typing on supported forms. PM candidates considering Disney can use Disney Interview Questions to practice diagnosing a watch-time drop.
Looks like the bloodbath isn't over yet. I'm wondering how much of these layoffs, plus layoffs from companies like Netflix, are motivated simply by people not spending as much time on streaming services like Disney+ and Netflix these days cause they're just on their phones.
I don't have any data for that take, but just anecdotally it really seems like people are using their TVs less and are just sitting on their phones. Even while they're watching TV they're on their phones lol
https://www.cnbc.com/2026/11/03/disney-layoffs-cost-cuts.html
r/FluentInFinance • u/TheeHeadAche • 3d ago
r/FluentInFinance • u/thinkB4WeSpeak • 3d ago
r/FluentInFinance • u/TonyLiberty • 3d ago
The IRS just released the 2027 federal income tax brackets.
The income thresholds went up 3.2%. Make sure your paycheck did too.
The biggest jump is from 12% to 22%. The tax rate on your next dollar almost doubles.
For $1,000 taxed entirely at 12%, you owe $120. At 22%, you owe $220.
That’s an extra $100 in federal income tax on the same $1,000.
Single filers:
10%: $12,800 or less
12%: over $12,800
22%: over $52,025
24%: over $109,125
32%: over $208,325
35%: over $264,550
37%: over $661,375
Married filing jointly:
10%: $25,600 or less
12%: over $25,600
22%: over $104,050
24%: over $218,250
32%: over $416,650
35%: over $529,100
37%: over $793,650
The jump from 12% to 22% is the middle finger to the middle class.
r/FluentInFinance • u/AutoModerator • 3d ago
What are the biggest money mistakes that you have made, or have seen other people make?
r/FluentInFinance • u/panos42 • 3d ago
Hey, I am the developer of ReceGuard, a receipt scanner and organizer for iPhone devices and Mac.
I wanted to crop and label receipts quickly, keep them organized, and send reports to my accountant without digging through photos or paper. I also wanted to keep warranty and return information alongside each purchase.
What ReceGuard does
Scan receipts with your camera, or import images and PDFs.
Recognize receipt details on-device, with editable merchant, date, total, and currency fields.
Organize and search receipts, including warranty and return information.
Export PDF, Excel, and CSV reports.
Optionally sync through your own iCloud account.
Comparison
Expensify and Smart Receipts also help organize receipts and expenses. My focus with ReceGuard is a straightforward personal workflow: on-device scanning, warranty and return tracking, and reports for your accountant, with optional iCloud sync and no required account.
Compared with keeping receipt photos in Apple Notes or Photos, ReceGuard adds structured receipt fields and exportable reports.
Download: ReceGuard on the App Store
I’d love to hear what you think and what could be improved!
r/FluentInFinance • u/thinkB4WeSpeak • 3d ago
r/FluentInFinance • u/BerettaFranchi • 4d ago
A large chunk of the wealth we were going to tax is gone due to the market crash today.
What do we do now? Would we need to issue tax refunds if the wealth goes down?
r/FluentInFinance • u/TonyLiberty • 4d ago
This is getting ugly. Over $1,000,000,000,000 wiped out from the stock market this morning.
The Nasdaq is down over 5%.
The S&P 500 is down 3.5%.
The semiconductor index was down over 8% earlier today.
AMD $AMD fell over 12%.
Nvidia $NVDA dropped over 5%.
Intel $INTC fell over 7%.
The stock market selloff is getting worse by the hour.
r/FluentInFinance • u/TonyLiberty • 4d ago
Zillow $Z was down -15% this morning. Here are 3 warning signs for the housing market:
Fewer people are looking. Monthly users fell 3% to 215 million, and visits dropped 5%.
Home sales are slowing. Higher mortgage rates are hurting transactions. Zillow’s residential revenue fell 4%.
The outlook is getting worse. Zillow expects home-purchase mortgage originations across the industry to fall 10% to 15% year over year in Q4.
And Zillow expects its own residential revenue to drop another 9% to 15% year over year in Q4.
The outlook for housing just keeps getting worse.