wave_trader

Learning to trade.

[Jack @jackcoder0]

STOP SAYING "HOPE YOU'RE DOING WELL."

IT'S THE MOST FORGETTABLE EMAIL OPENER EVER.

HERE ARE 10 BETTER WAYS TO START A CONVERSATION 👇

[Bishal Nandi @LearnWithBishal]

🚨 BREAKING: Claude can now build a retirement plan like a $600/hour Morgan Stanley wealth advisor.

For free.

Here are 8 insane Claude prompts that can replace your retirement consultant, tax strategist, and investment planner.

Bookmark this carefully: 👇

[Survival Skill @Survival__skill]

Useful Knots You Should Know

[Alessandro Palombo @thealepalombo]

My post on Japan's 9 million abandoned houses blew up last week.

Right after, my Japanese friend called me.

"Now write about hidden locations where people are moving in Japan, like you did for Italy and France."

He pulled in his family and contacts across Kyushu, Kanto, and Okinawa. I ran the data: foreign resident growth, rental yields, Shinkansen times, the honest downsides.

27 cities made the initial research list.

7 made the cut. Not Tokyo or Kyoto.

These are 7 Japanese cities where people are moving to but few talk about them outside Japan. 🧵

[Jim @JP_Money_95630]

Sunday Options Trade School:

Like and Repost!

Calculating Gains Via Delta: 📊

Most traders look at option gains the wrong way.

They focus only on premium price changing from $11 to $40… but the engine underneath is Delta Exposure.

Quick Formula:
Contracts Owned × 100 × Delta × Stock Move = Estimated Gain/Loss

That tells you how your options react to the stock move.

My Real Example: $META Calls

I owned:
30 META May $665 Calls
Delta: 0.65
META moved +$11 Friday

So:

Estimated Gain = $21,450

Actual daily gain was about +$20,550
That’s extremely close, with the difference coming from:

Theta decay
IV changes
Gamma movement
Bid/ask spread

Why This Matters
30 calls at 0.65 delta behaved like owning:

1,950 META shares

So an $11 move created real leverage.

Calls vs Puts

Calls: gain when stock rises
Puts: gain when stock falls

Use the same formula with move direction.

Trader Lesson
If you understand delta, you stop guessing and start measuring.

Premium price is noise.

Delta tells you exposure.

Ask Questions If Needed Fam!
$META $SPY $QQQ #OptionsTrading #Stocks #TradingEducation

@Mr_Derivatives @SuperLuckeee @Banana3Stocks @Micro2Macr0 @salmaogs @iV_trader

[wave_trader @QNhi2]

@ZeeContrarian1 $ANET, $SPIR

[wave_trader @QNhi2]

@ZeeContrarian1 $AAOI

[Z @ZeeContrarian1]

I have no doubt many of your hedge fund friends will look back two years from now at where the MAG7 traded today and say, “that was obvious-I was going to buy, but…”

U.S. tech now trading at a PEG below almost every other index.

[hunter @hxxntrr]

You owe the IRS $100,000

They'll take $5,000 and close your file. Permanently. Balance goes to $0

It's called an Offer in Compromise. Form 656. The IRS approved 42% of them last year. Application fee: $205

Here's the exact formula they use to decide your number and how to make sure yours gets accepted

The IRS doesn't want to chase you for 10 years. Collection costs money. Agents cost money. Liens cost money. They'd rather take $5,000 today than spend $50,000 over a decade trying to squeeze $100,000 out of someone who will never have it

That's the entire program. They did the math and built a form for it

The formula:

The IRS calculates your "Reasonable Collection Potential." What they realistically think they can get from you. Your offer needs to meet or beat that number

RCP = (monthly disposable income × remaining collection months) + (asset equity after exemptions)

Monthly disposable income: your gross income minus IRS-allowed expenses. They have specific tables for housing, food, transportation, and healthcare by county. Not YOUR expenses. THEIR approved numbers

If you earn $4,000/month and their table says your allowable expenses are $3,800, your disposable income is $200/month

Remaining months: for a lump sum offer (paid within 5 months), they multiply by 12. For a payment plan (6-24 months), they multiply by 24

Assets: bank accounts, investments, vehicles, property. But they subtract exemptions. Your primary car up to a certain value is exempt. Household furnishings exempt. Retirement accounts often partially exempt

Real case:

Disposable income: $200/month
Asset equity after exemptions: $2,000

Lump sum RCP: ($200 × 12) + $2,000 = $4,400

That's your offer. $4,400 on $100,000 in tax debt. 4.4 cents on the dollar

The forms:

Form 433-A (OIC): full financial disclosure. Income, expenses, assets, bank statements. Every number. Fill it out honestly because they verify everything. Lying on this form is a federal crime and they'll reject your offer AND flag you for audit

Form 656: the offer itself. Your amount. Your payment terms

$205 application fee (waived if income is below 250% of federal poverty level)

Initial payment: 20% of your offer submitted with the application for lump sum. On a $4,400 offer that's $880 upfront

Here's the part that makes this genuinely broken:

While your offer is being reviewed, which takes 6-24 months, ALL collection activity stops. No levies. No liens. No wage garnishment. They legally cannot collect while the OIC is pending

And if the IRS doesn't make a determination within 2 years of receiving your application? Your offer is automatically accepted. Two years of silence = you win by default. That's in the tax code lmao

Client owed $147,000 across 3 tax years. Hadn't filed. Hadn't paid. Getting letters every month. We calculated his RCP at $6,200. Submitted the OIC with $1,240 initial payment

IRS accepted 7 months later

$145,000 in tax debt settled for $6,200. 4.2 cents on the dollar

He went from not opening his mailbox to a $0 IRS balance. Then we fixed his credit. Then we stacked $80K in 0% business funding. Started a pressure washing company 5 months later

The IRS is the scariest creditor in America. They can garnish without a court order. Seize your bank account with no warning. Lien everything you own

But they also built a program where they take your $5,000 and walk away happy

The difference between the person who pays $100,000 and the person who pays $5,000 is knowing Form 656 exists

Now you know

(We fix credit and build capital stacks. If you owe back taxes, handle that first. Then we get you funded. Link in bio)

[wave_trader @QNhi2]

@travelhacked Do you see 5/22 LAX to SIN?

[Travel Hacked @travelhacked]

[JAL Business Class] Seattle to Tokyo for 60,000 miles + $5.60 tax through AAdvantage or Alaska Atmos

Cash fare: $4,203

Available on April 24th

[Travel Hacked @travelhacked]

[Starlux Business Class] LAX to Singapore for 85,000 Atmos miles + $34 taxes

Cash fare: $5,419

Available on April 5th and May 3rd

[Travel Hacked @travelhacked]

Disneyland After 2 PM Tickets During Summer.

Start dates from May 26 through July 29, 2026.

https://t.co/bWJpTt0Xcf

[Tips Excel @gudanglifehack]

Nobody told you airlines have two prices for every flight.

The price they show you.
And the price they hope you never find.
$1,190 flight.
Paid $141.
$1,049 difference. Same seat. Same day.

Here are the 7 prompts that found it:

(Save this before disappearing).

[Aarohi @Olivia9086]

THAT'S WHY AIRLINES HATE CLAUDE 4.6

Flight for $879. I paid $299.
No points. No affiliations. No VPN.

Here are 8 prompts I used to travel like a pro↓

[Leonard Rodman @RodmanAi]

7/ 90-Day Money Map

I am [AGE] starting a YouTube channel
about [NICHE] with $[BUDGET] and [X] hours/week.

Build my complete 90-day money roadmap:

Week 1-2: [Setup & first videos]
Week 3-4: [Growth tactics]
Month 2: [Monetization preparation]
Month 3: [First income milestone]

Include:
✅ Daily action checklist
✅ Weekly subscriber targets
✅ First monetization date estimate
✅ First $100 / $500 / $1000 milestones
✅ What to do when growth stalls
✅ Biggest mistakes to avoid

[Learn Something @cooltechtipz]

If you enjoy gardening, these grafting techniques are a must know.

[Aria Westcott @AriaWestcott]

1. Claude (solve any problem)
2. Perplexity (research anything)
3. Klingai (create AI videos)
4. Tripo AI (create 3D models)
5. Mureka AI (compose music)
6. Gemini (perfect writing)
7. Capcut (edit videos)
8. Youlearn (summarize YouTube)
9. Canva (design graphics)
10. ElevenLabs (clone voices)
11. Podcastle (edit podcasts)

12. ✅ Save this list, it might be incredibly useful.

[Science girl @sciencegirl]

What the pancreas actually does in your body

📹 life_laps_official