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Cohen and Steers Infrastructure Closed Fund
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Reddit Posts
Is Blue Apron being bought by a grocery store?
What got you into trading options?
"Organizing for Justice", the must-read book
1.1 million people are dead from covid-19. What's next for the economy, stonk prices, interest rates and gold prices?
I've had my eye on ZIM recently
I've had my eye on ZIM Integrated Shipping Services (ZIM) lately
I need help placing a bet against RealPage
Analysis of Harley Davidson (HOG) - Possible Short Idea
Why do I keep seeing earnings for Q’s in 2023 everywhere? Am I autistic?
Covered call strategy... back testing not matching expectations.
The Most Undervalued Stock In All The Market RN!
Backtesting the most popular investment strategies over the last two decades!
How to become rich through options trading and remote work
Ukraine's Leader is a Former Comedian & Actor
Are people going in on $RBLX because they like the stock or just because of Peloci
Backtesting the most popular investment strategies over the last two decades!
The Pitchbook, An Investment Banking Novel
Softbank owned by Elliott MgMt mulls options on sub Fortress even sale. Explains why Fortress Co- CEOs stall in restructuring their 80% common ownership in Novation Companies, $NOVC. Fortress paid nothing to own CDOs Taberna I and II they camouflage their NOVC investment just like Fortress did w/ DX
Since WSJ and Barron's wrote articles on now being the best time to invest in small caps, the Russell Index has lost 200 pts
Dug up some old Walmart ($WMT) partnerships and used a connect 4 toy to see where it goes with Canoo ($GOEV)
Big gamma squeeze $SNDL and the big picture, the fight against shorts and corrupt instituions
comcast earnings is so suspicious... media? rigged?
ViacomCBS inc. ( VIAC ), the Spermes of September ; THE GOD OF BUSTING NUTS, best open wide
Concert Cancellations Continue to weigh on LIVE NATION
$RKT Update post Q2 earnings also how to hedge against higher rates if you invest in $RKT to guard against FUD for long term bulls. (Positions at end)
Which sources you use for shorts data and what to look for exactly for finding squeeze candidates
Which site you use for shorts data and what to look for
Which site is best place to see up to date data about short intrest and most heavily sorted stock
How to find professional stock analysis on the internet.
Vinco Ventures ($BBIG) - Merging with private media company with the potential to increase tenfold (DD)
Is the movie industry really dieing? And is $AMC's Fundamental value really $5? DD on both.
SHEN (DD) - $18.75/Share Special Dividend From Undervalue Company
SHEN (DD) - Free Tendies - 18.75$/Share Special Divi From Undervalued Company
Why I am buying hundreds of $AMC shares, not as an ape, but as a retard
I honestly believe that Virgin Galactic will fly Richard Branson to the edge of space before Jeff Bezos
If you haven't replaced the dominant share of growth stocks in your portfolios with value stocks yet, it's time to do so
PRPO's Conference Call to be held on Thursday, May 20th, 2021 - What to expect?
PRPO's Conference Call to be held on Thursday, May 20th, 2021 - What to expect?
What to expect from PRPO 05/20/2021?
The silver squeeze movement could use your help. Please leave the cftc a review. This is the agency that thinks it's ok to shut down any organic movement by the people. Leave review here.
1 Year, 7 Months & 8 Days fellow degenerates. Almost as long as it took to make this.
Are we experiencing the Final Naked Short? DTC-2021-005 Explained!
Are we experienced the last naked shorting of all time? DTC-2021-005 Explained!
CNBC Headline: Deutsche Bank sees a "significant consolidation" in stocks later this year as economic growth levels off.
OUTSTANDING POTENTIAL. HUGE CATALYST SOON. FDA APPROVAL? $OCGN
Daily reminders. https://www.google.com/search?q=roaring+kitty&rlz=1CDGOYI_enUS836US836&oq=roaring+kitty&aqs=chrome..69i57j46i433j0i131i433j0i433j0i395i433j0i395.5420j1j4&hl=en-US&sourceid=chrome-mobile&ie=UTF-8
Amazing oil recovery technology, must see!
CDC Reveals Reinfection Rates In Nursing Homes
Mentions
There is something important to be learned about a stock when a momentum UTF is created for it. I don't know what the important thing is though, my brain cells sense they should learn something by this, but they never learn.
This is easy to research so you don't just give opinions and make up shit. Learn to google?? truly "full" self-driving cars ([Level 5](https://www.google.com/search?q=Level+5&rlz=1C1GCEA_enUS1102US1102&oq=when+are+full+self+driving+cars+predicted&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIHCAEQIRigATIHCAIQIRigATIHCAMQIRigATIHCAQQIRigAdIBCDc3NDBqMGo3qAIAsAIA&sourceid=chrome&ie=UTF-8&ved=2ahUKEwiHg_yY8p-SAxUN5ckDHU20C8UQgK4QegQIARAD), no human needed) vary widely, with some expecting Level 4 robotaxi services at scale by the late 2020s/early 2030s in cities, while personal Level 5 cars might not be common until **2040 or much later (2060+)** Humanoid robots are expected to become increasingly common, moving from specialized industrial use to broader applications in factories, retail, and homes by the late 2020s, with significant growth predicted by 2035-2050
https://www.google.com/search?q=europe+trade+deal&oq=europe+trade+deal&gs_lcrp=EgZjaHJvbWUyDwgAEEUYORiDARixAxiABDIGCAEQIxgnMgYIAhAAGAMyBwgDEAAYgAQyCAgEEAAYFhgeMggIBRAAGBYYHjIKCAYQABgKGBYYHjIICAcQABgWGB4yCAgIEAAYFhgeMggICRAAGBYYHjIICAoQABgWGB4yCAgLEAAYFhgeMggIDBAAGBYYHjIICA0QABgWGB4yCAgOEAAYFhge0gEIMzc3OWowajmoAgewAgHxBWGUsFu8oCSd8QVhlLBbvKAknQ&client=ms-android-tmus-us-rvc3&sourceid=chrome-mobile&ie=UTF-8
Danish retirement funds have massive holdings in [Novo Nordisk](https://www.google.com/search?client=opera&q=Novo+Nordisk&sourceid=opera&ie=UTF-8&oe=UTF-8&mstk=AUtExfCuQH9fUyqhEjVyJW5TbRrfxKYJtuqhWy1CPkJDNb0uw2uSyGoPbSy8hssw7_XS2_rCa40oVFUJIv8o1oRzTa2Y4fPa40awmp4zj1qVM74lUgKBLymWacdG5wQ-1MVkEAR9TTM4uC0gfAz2pXW3CGiVrPux5WL3jx1IHtB29BVOEBM&csui=3&ved=2ahUKEwi6i8r85pqSAxUtv4kEHbVoDFoQgK4QegQIARAB), making the pharma giant a cornerstone of many Danish pensions, though this also exposed them to significant losses when the stock dipped in 2025 due to increased competition. While funds like [ATP](https://www.google.com/search?client=opera&q=ATP&sourceid=opera&ie=UTF-8&oe=UTF-8&mstk=AUtExfCuQH9fUyqhEjVyJW5TbRrfxKYJtuqhWy1CPkJDNb0uw2uSyGoPbSy8hssw7_XS2_rCa40oVFUJIv8o1oRzTa2Y4fPa40awmp4zj1qVM74lUgKBLymWacdG5wQ-1MVkEAR9TTM4uC0gfAz2pXW3CGiVrPux5WL3jx1IHtB29BVOEBM&csui=3&ved=2ahUKEwi6i8r85pqSAxUtv4kEHbVoDFoQgK4QegQIARAC) bet on Novo's long-term revival, investing heavily, other funds experienced reduced returns from their substantial exposure, highlighting both the potential rewards and risks of this concentrated investment strategy. **Key Aspects:** * **Major Holdings:** Danish pension funds hold billions in Novo Nordisk, with some owning a significant portion (around 40%) of the company, making it a central part of Danish retirement savings. * **Investment Strategy:** Funds like ATP have increased their stakes, seeing potential growth beyond the U.S. market, while acknowledging short-term pressures. * **Impact of Stock Fluctuations:** Recent volatility, including profit warnings in 2025, led to substantial losses for some funds, impacting their overall returns for the year. * **Economic Link:** Novo Nordisk's success has become so intertwined with Denmark's economy that its stock performance significantly influences national economic growth and pension fund performance. * **Ethical Concerns (US Employees):** While Danish funds focus on the company's overall performance, some reports highlight that Novo Nordisk's U.S. employee pension investments (through global funds) included junk food companies, creating a contrast with Danish ethical investing. In essence, Novo Nordisk is a double-edged sword for Danish pensions: a powerful engine for growth, but also a significant source of risk due to its concentrated investment. Novo Nordisk's sales are heavily concentrated in the **United States**, often accounting for roughly **60% or more of total revenue**, with North America as the dominant segment, followed by International Operations (including Europe, China, and Rest of World markets like Latin America/Asia). For example, in 2024, North America sales were around $27 billion versus $18.5 billion for International sales, with the U.S. alone exceeding all other regions combined, driven by high demand and pricing for GLP-1 drugs like Ozempic and Wegovy. Now, say Trump cuts off sales of their products. We did it with Huawei. What do you think will happen to Novo Nordisk's stock if it loses 60% of its revenue overnight?
The emergency law trump used to enact tariffs grants actual legal authority. The issue is that there is no actual emergency, he just claims there is one. He claimed a national emergency due to **unfair foreign trade practices and large, persistent trade deficits**, using the [International Emergency Economic Powers Act](https://www.google.com/search?q=International+Emergency+Economic+Powers+Act&rlz=1C1CHBF_enUS972US972&oq=what+emergency+did+trump+claim+to+enact+tariffs&gs_lcrp=EgZjaHJvbWUyBggAEEUYOdIBCTExMzMzajBqN6gCALACAA&sourceid=chrome&ie=UTF-8&ved=2ahUKEwjXl4zX25iSAxXzmO4BHSWhFMQQgK4QegQIARAB) (IEEPA) to justify the tariffs, arguing these practices undermined U.S. manufacturing and national security, while also linking some tariffs to crises at the southern border and fentanyl issues. Actual national emergencies would be things war, natural disaster, pandemics, or economic collapse. None of those things have occurred.
https://www.google.com/search?q=NATO+defense+pact&ie=UTF-8&oe=UTF-8&hl=en-us&client=safari
Greenland holds the record for the absolute lowest temperature in the Northern Hemisphere at around -93.3°F https://www.google.com/search?q=Ronald+lauder+Greenland+water&ie=UTF-8&oe=UTF-8&hl=en-us&client=safari&aimos=1#lfId=ChxjMe
Long term investing has been (relatively) easy for the last 100 years or so. Buying the S&P 500 and resisting to urge to sell when things feel uncertain was arguably the only advice an investor needed to succeed. The firs growth index fund became available around 1980. retirment funds also became available at about the same time. But both don't really become widely available until about 90's. Prior to 1980 the common investing stratagy was to invest for dividned stocks and and picking growth stocks. And what you are seeing today is not really different than what people were seeing in the late 90's if you subtract everything trump does. Investing and holding the S&P500 but good investors don't stoop there or stop at the 6 month emergency fund. Some people now are starting to add more bond and dividend funds. in Bear markets growth can be hard to find. But dividends keep common and pond keep paying. and don't limit yourself to fund paying a divined of 5%There are good dividend funds that pay %% to about 10%. I like QQQI 13% yield, SPYI 11%, ARDC 9%, PBDC 9%, EMO 9%, PFFA 9%, CLOZ 8%, UTF 7%, UTG 6.3%, JAAA 5.5. Another thing people do is after their retirement funds and 6 month emergency fund are setup people start investing for dividends in a Taxable account. Why we all have mostly bills to pay including home mortgages and rent. Everyone is hemorrhaging money monthly. So some people start investing for dividends in a taxable to with a goal of covering common monthly bills. It takes time but eventually you could get enough income to cover much or all or your monthly expenses.
Ronald Lauder, heir to the Estée Lauder fortune, is linked to Greenland water through his investment in Greenland Water Bank, a company tapping mineral water from Disko Island for the local market (brand Imivik), and reportedly inspired Donald Trump's interest in acquiring Greenland, possibly motivated by securing resources like this luxury water https://www.google.com/search?q=Ronald+lauder+Greenland+water&ie=UTF-8&oe=UTF-8&hl=en-us&client=safari&aimos=1#lfId=ChxjMe
https://www.google.com/search?q=HOOD+ceo+sell+shares&ie=UTF-8&oe=UTF-8&hl=en-us&client=safari&zx=1768664205166&no_sw_cr=1 Looks like GOOG lying?
Knut Hamsun, the 1920 Nobel laureate in Literature, famously gifted his Nobel medal to Nazi propaganda minister Joseph Goebbels in 1943 as a gesture of support for Hitler and the Nazi regime, https://www.google.com/search?q=hamsun+goebels+Nobel&ie=UTF-8&oe=UTF-8&hl=en-us&client=safari&aimos=1#lfId=ChxjMe
[Space Forge](https://www.google.com/search?q=Space+Forge&oq=uk+put+factory+into+space&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIGCAEQRRhA0gEINTE5MWowajmoAgawAgHxBbJ8E_MoFEES&sourceid=chrome&ie=UTF-8&mstk=AUtExfCXlblU5If6mFRLTWDk0fSsvwGpGOs-soxL-dSwkj0sjw0Yy4ARNBZVxXOfsLmyCAnFGwHn8OmT5ciVtPsFG5bTMkIqoXNb0ML7gJZlzxaK-t3JikT8YFLuhwCdYWW5sjVKOLV_eP1NgXZxku0UmcYXZ-ZUqsNJkRGDeOCwCiwrpOdzp3mzlfOu77eKbQ694eaOUoSUHKv0JQsoM7JuQzjRj6bOL9dVNkE8X-_L8iGLZC_0H5sCjhKP8YSqrvFQAMt4x4RJ6KRIech7U1ynPP5Z&csui=3&ved=2ahUKEwit3M7P1pGSAxUdRkEAHYvSLEsQgK4QegQIARAE), isn't public traded company, an the ceo come across as a bit of a arse in some interview and far to eager to talk Britain down, which I'm not a fan off.
not burning my house and garage down only if Consumer Union gives certified paperwork as safe [Consumers Union](https://www.google.com/search?q=Consumers+Union&oq=consumer+union+testing&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIHCAEQIRigATIHCAIQIRigATIHCAMQIRifBTIHCAQQIRiPAtIBCDYzNTFqMGo3qAIAsAIA&sourceid=chrome&ie=UTF-8&ved=2ahUKEwjzzK7VgpGSAxVpG9AFHZ-IA_sQgK4QegQIARAD) (now known as Consumer Reports) is a non-profit organization famous for its rigorous, independent product testing, buying products anonymously to evaluate performance, safety, and reliability
ha. then that's good. I'd invest what you can. Especially if you don't have much of a retirement and you're already 36. You want that compounding interest to work for you, and the longer you wait, the slower it takes. Just a few to consider. * [**Vanguard 500 Index Fund (VFIAX/VOO)**](https://www.google.com/search?q=Vanguard+500+Index+Fund+%28VFIAX%2FVOO%29&oq=what+are+the+best+vanguard+index+funds&gs_lcrp=EgZjaHJvbWUqBwgAEAAYgAQyBwgAEAAYgAQyBwgBEAAYgAQyCAgCEAAYFhgeMggIAxAAGBYYHjIICAQQABgWGB4yCAgFEAAYFhgeMggIBhAAGBYYHjIICAcQABgWGB4yCAgIEAAYFhgeMggICRAAGBYYHtIBCDc4ODlqMGoxqAIAsAIA&sourceid=chrome&ie=UTF-8&ved=2ahUKEwiam7Djz4ySAxUlp44IHeSEK2cQgK4QegQIAxAB): Tracks the S&P 500, offering exposure to large U.S. companies, recommended by Warren Buffett. * [**Vanguard Total Stock Market Index Fund (VTSAX/VTI)**](https://www.google.com/search?q=Vanguard+Total+Stock+Market+Index+Fund+%28VTSAX%2FVTI%29&oq=what+are+the+best+vanguard+index+funds&gs_lcrp=EgZjaHJvbWUqBwgAEAAYgAQyBwgAEAAYgAQyBwgBEAAYgAQyCAgCEAAYFhgeMggIAxAAGBYYHjIICAQQABgWGB4yCAgFEAAYFhgeMggIBhAAGBYYHjIICAcQABgWGB4yCAgIEAAYFhgeMggICRAAGBYYHtIBCDc4ODlqMGoxqAIAsAIA&sourceid=chrome&ie=UTF-8&ved=2ahUKEwiam7Djz4ySAxUlp44IHeSEK2cQgK4QegQIAxAD): Covers the entire U.S. stock market (large, mid, and small-cap) for maximum diversification. Growth & International * [**Vanguard Growth Index Fund (VIGAX/VUG)**](https://www.google.com/search?q=Vanguard+Growth+Index+Fund+%28VIGAX%2FVUG%29&oq=what+are+the+best+vanguard+index+funds&gs_lcrp=EgZjaHJvbWUqBwgAEAAYgAQyBwgAEAAYgAQyBwgBEAAYgAQyCAgCEAAYFhgeMggIAxAAGBYYHjIICAQQABgWGB4yCAgFEAAYFhgeMggIBhAAGBYYHjIICAcQABgWGB4yCAgIEAAYFhgeMggICRAAGBYYHtIBCDc4ODlqMGoxqAIAsAIA&sourceid=chrome&ie=UTF-8&mstk=AUtExfDKbz5PsnR7toyro5yq47z0VJ4piTNMIfto6jEQs_HeFa-HosxD0k43zbVTO0jhXIq0_MysWI_Z_RrSuYOYJcLR_LMZM1DteAMe9c7dMSEBp6YDMNvmLsgQ1-HgNaQs41rhIsVGhtG6I6F65vtexH9glQ-lVbYT4iJPgFcdcm4xhnw&csui=3&ved=2ahUKEwiam7Djz4ySAxUlp44IHeSEK2cQgK4QegQIBRAB): Focuses on large U.S. growth stocks, heavily weighted in tech. * [**Vanguard Total International Stock ETF (VXUS/VFWPX)**](https://www.google.com/search?q=Vanguard+Total+International+Stock+ETF+%28VXUS%2FVFWPX%29&oq=what+are+the+best+vanguard+index+funds&gs_lcrp=EgZjaHJvbWUqBwgAEAAYgAQyBwgAEAAYgAQyBwgBEAAYgAQyCAgCEAAYFhgeMggIAxAAGBYYHjIICAQQABgWGB4yCAgFEAAYFhgeMggIBhAAGBYYHjIICAcQABgWGB4yCAgIEAAYFhgeMggICRAAGBYYHtIBCDc4ODlqMGoxqAIAsAIA&sourceid=chrome&ie=UTF-8&mstk=AUtExfDKbz5PsnR7toyro5yq47z0VJ4piTNMIfto6jEQs_HeFa-HosxD0k43zbVTO0jhXIq0_MysWI_Z_RrSuYOYJcLR_LMZM1DteAMe9c7dMSEBp6YDMNvmLsgQ1-HgNaQs41rhIsVGhtG6I6F65vtexH9glQ-lVbYT4iJPgFcdcm4xhnw&csui=3&ved=2ahUKEwiam7Djz4ySAxUlp44IHeSEK2cQgK4QegQIBRAF): For broad exposure to developed and emerging international markets.
I'm sure there are plenty of smarter people here than me, but without knowing what your disposable income is to invest, it's hard to do more than just guesstimate. With your income, I'm not even sure you're allowed to invest in Roths. Your [Modified Adjusted Gross Income (MAGI)](https://www.google.com/search?q=Modified+Adjusted+Gross+Income+%28MAGI%29&sourceid=chrome&ie=UTF-8&ved=2ahUKEwiY09bnyoySAxUgmO4BHYKtDBQQgK4QegQIARAD&mstk=AUtExfBIBbVjRKoCg2mRLB_kbPrwxMheE_6KblyUe43spP7oC44tDo5V7Ulf9YGBHEm_DNlwwHYnMbSNjKeJL8vX34VPmt_NIkFu1vPSvGo1j5e7XAbU7JXIL_QP2kZaBHVm3xtHespW7lPlO6EjpUIJ8yV_6MC-2Rd-hXciREuKkmjA9A6K-YHfwtylY54hzpSB_cti4iMqQBGEuYaF78Ub4NA-0ksrn49NCPwUk74-8F2sO6wwWDqZOtMS71nLqSHdJtj0C3zAgazkErsyZUHMLTOQ-n1a4JEq6oZpLnHv-7stxA&csui=3) has to be under 252k. I think the first step is to put your money into liquid investments and just let it sit. S&P500, QQQ, VTI, pick your index fund.
Some people don't tolerate market crashes well panic and sell at a loss.Typically this is common in those that are older and have no experience with investing. You know your risk tolerance but do you know your moms? Typically these people do bettrterwith dividend stocks or funds. In the US I like QQQI 13% yield, SPYI 11%, ARDC 9%, BPDC 9%, EMO 9%, and CLOZ 8%, UTF 7%, UTG 6.3%, JAAA 5.5%. The lowest yield funds are the safest and even the higher yielding funs a very good. She won't see big big gains but she will see consistant quarterly or monthly payments.
Googled for performance => [https://imgur.com/26Xg7yV](https://imgur.com/26Xg7yV) In short, Over the long term (1973 to present), the S&P 500 has delivered higher compounded annual returns (11.52%) than gold (8.19%) Year 1973, President Nixon ending international convertibility in **1971**, effectively ending the system and shifting to [fiat money](https://www.google.com/search?q=fiat+money&rlz=1C1RXQR_enUS1130US1130&oq=when+gold+standard+abolished&gs_lcrp=EgZjaHJvbWUyBggAEEUYOdIBCTEyMTk4ajBqMagCALACAA&sourceid=chrome&ie=UTF-8&mstk=AUtExfCSMYtlkB4_J2Yf8imViBMrfjt4i9PaqskIDCxSMq9ZQcotBVUuFn3ghT8RXxSkbSjShBxQDDaqImKwqWXVva9KQNElv3yI1EbJpfpq6OsLySTyuBQazg4nFaOAeLnj4xCH33Z2STYVMnfiBOByx-7BkbvHQupaachEdbb6J8n--7QupX5MH82UeeD7SCTHELuUdcOxyB6YVwmSxMgq_Wz2bDo8GXs5khzxqyWzEbB49uM9CHM3UX_07wxEBglXHf0yhcs94S2RT0nhJHJBTWA0&csui=3&ved=2ahUKEwiui9a1wf-RAxWcke4BHX5gEC0QgK4QegQIARAE).
The other comments covered most of the names except for one. [Honeywell International (HON)](https://www.google.com/search?q=Honeywell+International+%28HON%29+as+a+strategic+bet+on+the+future+of+quantum+computing&oq=hon+quantum+play&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIGCAEQLhhA0gEINDQxMmowajSoAgCwAgE&sourceid=chrome&ie=UTF-8&mstk=AUtExfDkwGfVCPIyO7XytrgRa9hjkwzNgZetOy40uQVA7jD51EHFGx_-Qc4cxey09TqinwBZ3LW6MhZecat-6BwOA5IUvYY3KDbnjxinPRlAYb89bzSz_pMqdiBfOf089ny6FoH6IzUM7aBkMgXAGLI-Gg0MLgC1qhwbz-9E3FO13umGReE&csui=3&ved=2ahUKEwi4tZenuv6RAxViz_ACHT_tDwwQgK4QegQIARAB). Personally I am balancing between the pre revenue names and the established ones with existing revenue, like HON, IBM and GOOG.
https://www.google.com/search?q=economy+is+not+the+stock+market&ie=UTF-8&oe=UTF-8&hl=en-us&client=safari
There are still many lawsuits going on. This is in addition to congressional hearing about its addictive site on option trading and suicides by those who thought they lost million dollars. * [Best Execution](https://www.google.com/search?q=Best+Execution&oq=robinhood+and+lawsuits&gs_lcrp=EgZjaHJvbWUyBggAEEUYOdIBCTEwOTYxajBqN6gCALACAA&sourceid=chrome&ie=UTF-8&mstk=AUtExfBG_qRPp4twnshQhEEbeSYcrIJEW6hN3uZIjBfX5Qzo9gQJDjX6ajxmpP4cB9fpB93lUFEig4PGRkzxJYYeGdi5AgyW_VpKdjvR_Hh7SjFDtqYlB2KFhonrTrFBZp1Ed0zo9PwaW3quTA0IVE5LAoz_e0gQ3xIKyCqxfPqAzV7V_RfKn8ZxP6sopB9fcyew6hLBrWq-OafNUpqAwomn3DKO_qSi98_Vz2llMTphQdxKt4C8OA3DiOyIVS5rH5xmjleVuG4HQCADyKjjNS7TWxTy&csui=3&ved=2ahUKEwjhj_Gg6_qRAxXHIDQIHX2kK_YQgK4QegQICBAB) Violations (Order Handling) * [Anti-Money Laundering](https://www.google.com/search?q=Anti-Money+Laundering&oq=robinhood+and+lawsuits&gs_lcrp=EgZjaHJvbWUyBggAEEUYOdIBCTEwOTYxajBqN6gCALACAA&sourceid=chrome&ie=UTF-8&mstk=AUtExfBG_qRPp4twnshQhEEbeSYcrIJEW6hN3uZIjBfX5Qzo9gQJDjX6ajxmpP4cB9fpB93lUFEig4PGRkzxJYYeGdi5AgyW_VpKdjvR_Hh7SjFDtqYlB2KFhonrTrFBZp1Ed0zo9PwaW3quTA0IVE5LAoz_e0gQ3xIKyCqxfPqAzV7V_RfKn8ZxP6sopB9fcyew6hLBrWq-OafNUpqAwomn3DKO_qSi98_Vz2llMTphQdxKt4C8OA3DiOyIVS5rH5xmjleVuG4HQCADyKjjNS7TWxTy&csui=3&ved=2ahUKEwjhj_Gg6_qRAxXHIDQIHX2kK_YQgK4QegQICBAD) (AML) Failures * [Cryptocurrency Withdrawal Issues](https://www.google.com/search?q=Cryptocurrency+Withdrawal+Issues&oq=robinhood+and+lawsuits&gs_lcrp=EgZjaHJvbWUyBggAEEUYOdIBCTEwOTYxajBqN6gCALACAA&sourceid=chrome&ie=UTF-8&mstk=AUtExfBG_qRPp4twnshQhEEbeSYcrIJEW6hN3uZIjBfX5Qzo9gQJDjX6ajxmpP4cB9fpB93lUFEig4PGRkzxJYYeGdi5AgyW_VpKdjvR_Hh7SjFDtqYlB2KFhonrTrFBZp1Ed0zo9PwaW3quTA0IVE5LAoz_e0gQ3xIKyCqxfPqAzV7V_RfKn8ZxP6sopB9fcyew6hLBrWq-OafNUpqAwomn3DKO_qSi98_Vz2llMTphQdxKt4C8OA3DiOyIVS5rH5xmjleVuG4HQCADyKjjNS7TWxTy&csui=3&ved=2ahUKEwjhj_Gg6_qRAxXHIDQIHX2kK_YQgK4QegQICBAF) * [Cybersecurity & Data Privacy](https://www.google.com/search?q=Cybersecurity+%26+Data+Privacy&oq=robinhood+and+lawsuits&gs_lcrp=EgZjaHJvbWUyBggAEEUYOdIBCTEwOTYxajBqN6gCALACAA&sourceid=chrome&ie=UTF-8&mstk=AUtExfBG_qRPp4twnshQhEEbeSYcrIJEW6hN3uZIjBfX5Qzo9gQJDjX6ajxmpP4cB9fpB93lUFEig4PGRkzxJYYeGdi5AgyW_VpKdjvR_Hh7SjFDtqYlB2KFhonrTrFBZp1Ed0zo9PwaW3quTA0IVE5LAoz_e0gQ3xIKyCqxfPqAzV7V_RfKn8ZxP6sopB9fcyew6hLBrWq-OafNUpqAwomn3DKO_qSi98_Vz2llMTphQdxKt4C8OA3DiOyIVS5rH5xmjleVuG4HQCADyKjjNS7TWxTy&csui=3&ved=2ahUKEwjhj_Gg6_qRAxXHIDQIHX2kK_YQgK4QegQICBAH) Breaches * [Misleading Customer Disclosures](https://www.google.com/search?q=Misleading+Customer+Disclosures&oq=robinhood+and+lawsuits&gs_lcrp=EgZjaHJvbWUyBggAEEUYOdIBCTEwOTYxajBqN6gCALACAA&sourceid=chrome&ie=UTF-8&mstk=AUtExfBG_qRPp4twnshQhEEbeSYcrIJEW6hN3uZIjBfX5Qzo9gQJDjX6ajxmpP4cB9fpB93lUFEig4PGRkzxJYYeGdi5AgyW_VpKdjvR_Hh7SjFDtqYlB2KFhonrTrFBZp1Ed0zo9PwaW3quTA0IVE5LAoz_e0gQ3xIKyCqxfPqAzV7V_RfKn8ZxP6sopB9fcyew6hLBrWq-OafNUpqAwomn3DKO_qSi98_Vz2llMTphQdxKt4C8OA3DiOyIVS5rH5xmjleVuG4HQCADyKjjNS7TWxTy&csui=3&ved=2ahUKEwjhj_Gg6_qRAxXHIDQIHX2kK_YQgK4QegQICBAJ) (Cash Sweep, Order Flow)
[https://www.reddit.com/r/CombatFootage/comments/1q53vj4/new\_active\_gunfire\_near\_the\_presidential\_palace/?utm\_source=share&utm\_medium=web3x&utm\_name=web3xcss&utm\_term=1&utm\_content=share\_button](https://www.reddit.com/r/CombatFootage/comments/1q53vj4/new_active_gunfire_near_the_presidential_palace/?utm_source=share&utm_medium=web3x&utm_name=web3xcss&utm_term=1&utm_content=share_button) Also: [https://www.google.com/search?q=walter+bloomberg&oq=walter+bloom&gs\_lcrp=EgZjaHJvbWUqDAgAEEUYOxixAxiABDIMCAAQRRg7GLEDGIAEMgkIARBFGDkYgAQyCggCEAAYsQMYgAQyDQgDEAAYgwEYsQMYgAQyBwgEEAAYgAQyBwgFEAAYgAQyBwgGEAAYgAQyBwgHEAAYgAQyBwgIEAAYgAQyBwgJEAAYgATSAQgzMTE1ajBqN6gCALACAA&sourceid=chrome&ie=UTF-8](https://www.google.com/search?q=walter+bloomberg&oq=walter+bloom&gs_lcrp=EgZjaHJvbWUqDAgAEEUYOxixAxiABDIMCAAQRRg7GLEDGIAEMgkIARBFGDkYgAQyCggCEAAYsQMYgAQyDQgDEAAYgwEYsQMYgAQyBwgEEAAYgAQyBwgFEAAYgAQyBwgGEAAYgAQyBwgHEAAYgAQyBwgIEAAYgAQyBwgJEAAYgATSAQgzMTE1ajBqN6gCALACAA&sourceid=chrome&ie=UTF-8)
I googled left and right. All I found is that there's no definitive public proof that *all* [Huawei chips](https://www.google.com/search?q=Huawei+chips&rlz=1C1ONGR_enUS1150US1150&oq=Do+Huawei+chips+have+back+door%3F&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIHCAEQIRigATIHCAIQIRigATIHCAMQIRigATIHCAQQIRirAjIHCAUQIRirAjIHCAYQIRirAjIHCAcQIRiPAjIHCAgQIRiPAtIBCTEwNzc3ajBqN6gCALACAA&sourceid=chrome&ie=UTF-8&mstk=AUtExfBeIpVL5NqJlYWYtUCpprnGXXlyxqkrOQiCjpVwLdtL_CnOUZ3LQRgzu1A8tuymgRm9hacqqbkFnygNfffykBV5ltOijhZWlbjjtejJdb_53NQbzs6Db8Z_-FFQBdOi_WErGrwjK-hv-W3zP6ihNzQCsnE5l5fjaMeN_mWaZ1mK1Og&csui=3&ved=2ahUKEwifn4r4tOaRAxV9MlkFHVZaL9AQgK4QegQIARAB) inherently contain malicious backdoors. why pull something out of your ass?
SLV is dropping because: The [CME Group](https://www.google.com/search?q=CME+Group&rlz=1C1CAFC_enUS884US884&oq=did+the+comex+increase+the+margin+of+silver+today&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIHCAEQIRigATIHCAIQIRigATIHCAMQIRigATIHCAQQIRigAdIBCDg5MTFqMWo3qAIAsAIA&sourceid=chrome&ie=UTF-8&mstk=AUtExfCY9AEpELdYqCJC3DwVl8IC1tLFLHR1LCUbeVOe2tqsi8nn8HJYKnvoPuwcXVrtaP-w23LcnOICFQnJNatMJjCg0Dhxr89QC5iepGjVVG6Bd7jXC9k93AspYx47ZE2s15_Ykef8A99c0OKd2Wm3F-VzBifbsDcNp_WnBnU3x3yA99vE04zv_WuVMoYqZ_aUL4sBOUw0k1iPvbm9A8H1bMSENZYcPi60Pd9BOCD6Ez6sozz6nEF40ndN3C8-TfkCPPDdz3yqu4Lm_OOwkF9Kwz8xHtUE60QwBvkcxq-zVHG2qw&csui=3&ved=2ahUKEwi8rcf99-KRAxXkEEQIHZaTPBEQgK4QegQIARAB) (which runs the COMEX) did increase margin requirements for silver futures, effective today, December 29, 2025, raising the initial margin to around $25,000 for March 2026 contracts, leading to significant selling and profit-taking in silver markets as it cools down from record highs. **Key Details:** * **Effective Date:** December 29, 2025. * **New Margin:** Approximately $25,000 per contract (up from $22,000 or $20,000). * **Reason:** The exchange cited increased volatility and the need to manage risk as silver prices surged. * **Market Impact:** This increase forced leveraged traders to deposit more collateral or reduce positions, triggering sell-offs and corrections in both COMEX and MCX (Indian) silver markets. This move by the CME aims to curb excessive speculation and follows a massive rally in silver prices, bringing relief to some markets while causing sharp price drops.
First step would be to increase if possible the amount deposited per month in your IRA. IF that is not possible you can open a Roth IRA at any brokerage That would allow you to save another $7000 for retirement. With both IRA and Roth their restrictions on whithdrawaling the money before age 60. IF you want access to the money at any time without restriction you need to open up a taxable brokerage account. Many with growth investments in their retirment accounts will continue with the same growth investments in a taxable account. But others prefer to invest for income in the taxable account. a good money market funds is equivalent to a bank High yield savings ac counts. I encourage you to keep 6 months of cash in brokerage money market account. But any additional money should go into a high yield dividend funds CLOZ is one very safe fund to use with a 8% yield Don't automatically reinvest the dividends. When the cash dividned is payed it will then show up as cash in you money market account. You can then use the money to pay bills or other expenses or reinvest the money in a Roth account or invest the money in CLOZ. Never sell shares of CLOZ. If you sell shares of CLOZ the dividends will stop coming. Now you can invest in other dividend ETF than CLOZ. QQQI has a yield of 13% and you pay less tax on the dividend income. QQQI has more risk than CLOZbutit has the very desirable yield. Now yields above QQQI are available but many of those funds don't last long and you gradually loose your original deposit. I am currently getting 5K a month from my taxable brokerage acc count using QQQI, SPI, EIC, ARDC, PBDC, EMO, CLOZ, UTF, UTG, JAAA. overall this has a yield of about 10%. Now to get 5K a month form such an account you need to gradually over time depoist 500K into the dividend portfolio. The rewards of having this much passive income are worth it.
Almost all investors have a cash account. And most of the time it is in bank or taxable brokerage account. Partially for emergencies and pratially to help handle the big unexpected bill. But that said the cash account is the first step in the a taxable account. A emergency cash fund won't last long is you loose your job in recession. It could take form than a year to find a new job. FPassive income is better because the money will not run out. A fund like CLOZ 8% will pay a dividend (passive income. It will take time to build up the money in CLOZ to get meaningful passive income from it. If you don't need the passive income simply reinvest the funds. Or use the money to fund your Roth account or pay monthly bills. But it things go bad turn off any automatic dividend reinvestments. The dividends will then show up as a cash depoist into your money market account. I realize this in my 50s and took some excess growth I had in a taxable account and built up pasive income of 5K a month and retired. I am currently suing the passive until my retirment account become available. Some People use SGOV instead of CLOZ. Others may use riskier funds like PBDC 9% yeid, EMO 9%, ARDC 9% UTF 7% or UTG 6.3%. Other other will use covered call bunds like BTCI, QQQI, and SPYI.
thanks did a quick AI search. this makes sense **Marex is a significant swap provider**, offering extensive over-the-counter (OTC) and cleared derivative services, especially in interest rate swaps (IRS), FX swaps, and commodity swaps, acting as an agent, principal, and clearing member through platforms like [LCH SwapClear](https://www.google.com/search?q=LCH+SwapClear&ie=UTF-8&oe=UTF-8&hl=en-ca&client=safari&mstk=AUtExfCVilw5zCsz2eN-pQUV1w1oRVfYXMyiraKka2xvfrVmMfIU0kJXHXPSxE8_far5lt395YZcZ3UVzCSQ0tO9UHlN7EpprneJVyk_mUlA9XJptB_Qk1nofToRobALuHKHpphCGk6aaaU4PJAS5UfOnbtamm7TbrWjIa2RkrYtP59cq3A&csui=3&ved=2ahUKEwjOw-i3ltmRAxUhEzQIHcEeLxQQgK4QegQIARAB) to help clients manage risk, optimize capital, and access liquidity. They provide tailored OTC solutions and act as a Futures Commission Merchant (FCM) for clearing, positioning themselves as a key non-bank player in the market. **Key Swap Services Offered by Marex:** * **Interest Rate Swaps (IRS):** Offers client clearing for IRS through LCH SwapClear, a major step to diversify risk and increase capacity. * **FX Swaps:** Provides access to OTC forex derivatives (spot, forwards, swaps, NDFs) and listed FX derivatives, with coverage in major and emerging markets. * [**Liquidity Swaps**](https://www.google.com/search?q=Liquidity+Swaps&ie=UTF-8&oe=UTF-8&hl=en-ca&client=safari&mstk=AUtExfCVilw5zCsz2eN-pQUV1w1oRVfYXMyiraKka2xvfrVmMfIU0kJXHXPSxE8_far5lt395YZcZ3UVzCSQ0tO9UHlN7EpprneJVyk_mUlA9XJptB_Qk1nofToRobALuHKHpphCGk6aaaU4PJAS5UfOnbtamm7TbrWjIa2RkrYtP59cq3A&csui=3&ved=2ahUKEwjOw-i3ltmRAxUhEzQIHcEeLxQQgK4QegQIAxAD)**:** A specific OTC solution that transfers exchange-traded futures to an OTC position, freeing up margin and working capital. * **Commodity Swaps:** Offers OTC hedging solutions in commodities, alongside their deep expertise in physical and financial metals. **How Marex Functions:** * **Execution & Clearing:** Facilitates trading and clearing for institutions, hedge funds, and corporations. * [**Hedging Solutions**](https://www.google.com/search?q=Hedging+Solutions&ie=UTF-8&oe=UTF-8&hl=en-ca&client=safari&mstk=AUtExfCVilw5zCsz2eN-pQUV1w1oRVfYXMyiraKka2xvfrVmMfIU0kJXHXPSxE8_far5lt395YZcZ3UVzCSQ0tO9UHlN7EpprneJVyk_mUlA9XJptB_Qk1nofToRobALuHKHpphCGk6aaaU4PJAS5UfOnbtamm7TbrWjIa2RkrYtP59cq3A&csui=3&ved=2ahUKEwjOw-i3ltmRAxUhEzQIHcEeLxQQgK4QegQIBRAC)**:** Designs bespoke strategies for capital efficiency and risk mitigation. * **Non-Bank FCM:** The first non-bank FCM to offer client clearing for IRS via LCH, addressing market needs for broader access. In essence, Marex provides comprehensive swap services, combining deep market expertise with clearing capabilities to serve a broad range of financial participants.
https://www.google.com/search?q=reddit+topcomments+are+always+filled+by+uneducated+losers+who+always+joke+and+can%27t+take+one+thing+serious+in+life&oq=reddit+topcomments+are+always+filled+by+uneducated+losers+who+always+joke+and+can%27t+take+one+thing+serious+in+life&gs_lcrp=EgZjaHJvbWUyBggAEEUYOdIBCTI1NDk4ajBqNKgCArACAQ&sourceid=chrome-mobile&ie=UTF-8
S&P is popular due to its high growth. In economic downturn growth will mostly vanish. But growth stocks are not the only investments out there there are a lot very good dividend funds available. These don't have much if any growth but they pay you cash monthly or quarterly. Some good Examples are ARDC 9% yield, PBDC 9%, EMO 9%, PFFA 8%, CLOZ 8%, UTF 7%, UTG 6.3%, and JAAA 5.5%. You simply buy and hold the fund. The cash dividend is deposited into your account the market will go up and down but dividends keep paying. regardless of what the shar price is going. I currently get 5K a month from dividends.
[Silverado EV](https://www.google.com/search?q=Silverado+EV&rlz=1C1VDKB_enCA1086CA1086&oq=silverado+ev+sales&gs_lcrp=EgZjaHJvbWUyBggAEEUYOdIBCDM4NTZqMGo3qAIAsAIA&sourceid=chrome&ie=UTF-8&ved=2ahUKEwjB75T86sCRAxUz6skDHWHxA_YQgK4QegQIARAD) sales are showing strong growth in 2025, with significant year-over-year increases, surpassing 5,000 units in the first half of the year and doubling its market share in Canada, despite initial slow demand in 2023 due to high prices and limited trims, now improving with more affordable models and better range, though fleet sales initially skewed early figures.
This is just QE you can call it a blow job but were fucking. Yes, the [Federal Reserve](https://www.google.com/search?q=Federal+Reserve&oq=are+we+doing+qaunitive+easing%3F&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIICAEQABgWGB4yCAgCEAAYFhgeMg0IAxAAGIYDGIAEGIoFMg0IBBAAGIYDGIAEGIoFMg0IBRAAGIYDGIAEGIoFMgoIBhAAGKIEGIkFMgoIBxAAGIAEGKIEMgoICBAAGIAEGKIE0gEIODE3MmowajSoAgGwAgHxBXOlnHZofUgZ8QVzpZx2aH1IGQ&sourceid=chrome&ie=UTF-8&mstk=AUtExfADn5eJm8UqVsNiDyeb5S35WyblI65_h5zqXBiT13CHBgL-Ikax5c9A5PooQ6fwaNjv_7LSTvkYAUtkTkGoInTxIy4SiILnjZyir3NXuP6rmDP21moLIWl78__TXREdtLB1Fs0Yd1YI7x76ch1fc4423IubDH8ZflSSDbSvENaL6Ms&csui=3&ved=2ahUKEwjFhaGLuLuRAxU0KtAFHU4HJ9UQgK4QegQIARAB) is implementing a form of monetary easing, but it's nuanced: they just ended [Quantitative Tightening](https://www.google.com/search?q=Quantitative+Tightening&oq=are+we+doing+qaunitive+easing%3F&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIICAEQABgWGB4yCAgCEAAYFhgeMg0IAxAAGIYDGIAEGIoFMg0IBBAAGIYDGIAEGIoFMg0IBRAAGIYDGIAEGIoFMgoIBhAAGKIEGIkFMgoIBxAAGIAEGKIEMgoICBAAGIAEGKIE0gEIODE3MmowajSoAgGwAgHxBXOlnHZofUgZ8QVzpZx2aH1IGQ&sourceid=chrome&ie=UTF-8&mstk=AUtExfADn5eJm8UqVsNiDyeb5S35WyblI65_h5zqXBiT13CHBgL-Ikax5c9A5PooQ6fwaNjv_7LSTvkYAUtkTkGoInTxIy4SiILnjZyir3NXuP6rmDP21moLIWl78__TXREdtLB1Fs0Yd1YI7x76ch1fc4423IubDH8ZflSSDbSvENaL6Ms&csui=3&ved=2ahUKEwjFhaGLuLuRAxU0KtAFHU4HJ9UQgK4QegQIARAC) (QT) and started small, targeted bond purchases (mainly short-term Treasuries) to keep bank reserves ample, which some call "[reserve management](https://www.google.com/search?q=reserve+management&oq=are+we+doing+qaunitive+easing%3F&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIICAEQABgWGB4yCAgCEAAYFhgeMg0IAxAAGIYDGIAEGIoFMg0IBBAAGIYDGIAEGIoFMg0IBRAAGIYDGIAEGIoFMgoIBhAAGKIEGIkFMgoIBxAAGIAEGKIEMgoICBAAGIAEGKIE0gEIODE3MmowajSoAgGwAgHxBXOlnHZofUgZ8QVzpZx2aH1IGQ&sourceid=chrome&ie=UTF-8&mstk=AUtExfADn5eJm8UqVsNiDyeb5S35WyblI65_h5zqXBiT13CHBgL-Ikax5c9A5PooQ6fwaNjv_7LSTvkYAUtkTkGoInTxIy4SiILnjZyir3NXuP6rmDP21moLIWl78__TXREdtLB1Fs0Yd1YI7x76ch1fc4423IubDH8ZflSSDbSvENaL6Ms&csui=3&ved=2ahUKEwjFhaGLuLuRAxU0KtAFHU4HJ9UQgK4QegQIARAD)" rather than full-blown QE, though markets see it as easing and it adds liquidity. This shift started in December 2025, following QT, aiming to stabilize markets as the Fed cuts rates, signaling a move towards easing conditions.
The problem with the stock market prices of shares can move up and downunprdicatably. So if you need the money in 9 months you won't know how much money you will have in 9 months. You could have 180K or less or 220K or more in 9 months. But let's assume that you don't spend the at money on a new house to see what could be done. I you invested 200K in QQQI an income fund with a lileld of 13%. 200K in this fund will produce 2K a month of extra income. And do to it ROC tax classification on most of its dividends you would pay no tax on that income for about 6 years. Income that could cover much or all of your rent. Now it is possible to get higher yields but those are less stable so for this I wouldn't recomend anything higher than QQQI. Now there are other funds with yields between 10% and 5% yields but most don' have the tax classification of QQQI. So the extra income will be taxeded as regular incom. Which would be the same as 2000 a month raise in you pay. Some examples of lower yielding funds are ARDC 9%, EMO 9%, PBDC9%, PFFA 8%, CLOZ 8%, UTF 7%, UTG 6%.
Just a reminder that Tom Lee (AKA FULL METAL ALCHEMIST) is not far from his "Alchemy of 5%" target ...... BITMOOOOOOONER "Tom Lee's Alchemy of 5%" refers to the ambitious goal of [**BitMine Immersion (BMNR)**](https://www.google.com/search?q=BitMine+Immersion+%28BMNR%29&oq=TOM+LEE+ALCHEMY+OF+5&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIHCAEQABjvBTIKCAIQABiABBiiBDIKCAMQABiABBiiBDIKCAQQABiABBiiBDIKCAUQABiABBiiBNIBCDQ0NjNqMGo5qAIGsAIB8QW6FX0g1JXc2Q&sourceid=chrome&ie=UTF-8&mstk=AUtExfDWPz9CmetNoO_IfQpI95Tp_cssphh91UyNVssJDERo2_XfpkToXJigoxg4FL-P8jJNyIA74zQFQ_0PQGwpvnOFePP0oEYoDRUhjaFSzoAVxgWTFuETGbYpPEljdbIrO9m4dDPYLeHyO4CqZ6INLVAZfS0a8Q7PQeHNwz3hLlXpA-M&csui=3&ved=2ahUKEwjK2u6KkbGRAxXFvokEHQUhJGgQgK4QegQIARAD), a company led by strategist [Tom Lee](https://www.google.com/search?q=Tom+Lee&oq=TOM+LEE+ALCHEMY+OF+5&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIHCAEQABjvBTIKCAIQABiABBiiBDIKCAMQABiABBiiBDIKCAQQABiABBiiBDIKCAUQABiABBiiBNIBCDQ0NjNqMGo5qAIGsAIB8QW6FX0g1JXc2Q&sourceid=chrome&ie=UTF-8&mstk=AUtExfDWPz9CmetNoO_IfQpI95Tp_cssphh91UyNVssJDERo2_XfpkToXJigoxg4FL-P8jJNyIA74zQFQ_0PQGwpvnOFePP0oEYoDRUhjaFSzoAVxgWTFuETGbYpPEljdbIrO9m4dDPYLeHyO4CqZ6INLVAZfS0a8Q7PQeHNwz3hLlXpA-M&csui=3&ved=2ahUKEwjK2u6KkbGRAxXFvokEHQUhJGgQgK4QegQIARAE), to acquire 5% of the total Ethereum (ETH) supply, creating a massive corporate treasury to drive Ethereum's integration into mainstream finance and generate staking rewards
I would gradually sell it off and reinvest it. yOU could reinvest some in JAAA 6% yield,9%.CLOZ 8% yield these are veritable reliable dividend payers, Keep each at 50K invested. Then add 50K in UTF 7% UTG 6%, PFFA 8%, PBDC9%, EMO 9%, ARDC. These funds produce income you could use to pay utility bills rent, mortgage. roth deposits or simply be reinvested in these funds. If you sick or injured injured or become unemployed for an extended period of time you can use the income to cover expenses until you can return to work. Or you could invest in growth index funds. If you have a big unexpected expense you can sell the growth shares you could get enough money to cover the expense.
Yes, [leveraged long stock options](https://www.google.com/search?q=leveraged+long+stock+options&rlz=1CASLSU_enUS1153US1153&oq=do++leveraged+long+srock+options+affect++the+sghre+price&gs_lcrp=EgZjaHJvbWUyBggAEEUYOdIBCTMyMDAzajBqN6gCALACAA&sourceid=chrome&ie=UTF-8&mstk=AUtExfDL_PO3BVxX6p9n6qvGK5-p3aqUhG05otMFDemIGbg75-kIKeu5683zr_qwahZNGRiq3ceI8JptnftLf8TO7TvAn_hhmT0H9Tlg1X5HybBGPxHy0-ployKPcik8_C4reUSAZu4gPzx_vXl8aE8AfkVkkQhmboOJiNW_8ncqnFVCdTCe-ugpEYznTdtQduBoMIu3Pb73yAks3PyNH4PhCQKWaHxumwdfC9TEcjpB_qaJ-4FS0Pn6wfZdj3M7AaEiZDdnesWNQD7Fu0VEYf1zLS66UQTNZxiUkanLIVQ3oa-k3A&csui=3&ved=2ahUKEwi4hJid_a6RAxWsEVkFHa7xIoMQgK4QegQIARAB) (buying calls) amplify gains/losses, but large-scale options trading, especially related to hedging by market makers and high-volume strategies, can directly influence underlying stock prices, causing significant volatility and price discovery, as seen in events like GameStop, demonstrating that options activity isn't just passive price speculation but can move the market. Mods are the best hodling top shelf hooooookers
Typed it into a search engine [Market Summary](https://www.google.com/finance?rlz=1C1CHBD_enUS914US914&oq=stock+$smx&gs_lcrp=EgZjaHJvbWUyBggAEEUYOdIBCDMzNjZqMGo3qAIAsAIA&sourceid=chrome&ie=UTF-8&sa=X&ved=2ahUKEwjlq6Smw6yRAxXaLTQIHYbuEVoQ6M8CegQINBAE) \> SMX (Security Matters) PLC 331.98 USD -37,468.94 (-99.12%) year to date 37,800.92 on Jan 2nd... to 331.98 now! LOL!!!
Wealth taxes are pointless and counter-productive and easy to skirt anyway. Start by stopping the open jerking off of the mega-wealthy elite class. Not necessarily Elon but that economic strata. Carried interest loophole should not exist. ["Buy Borrow Die"](https://www.google.com/search?q=Buy+Borro+Die&rlz=1C1CHBF_enUS984US984&oq=Buy+Borro+Die&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIMCAEQABgNGLEDGIAEMgkIAhAAGA0YgAQyCQgDEC4YDRiABDIJCAQQABgNGIAEMgkIBRAAGA0YgAQyCQgGEAAYDRiABDIJCAcQABgNGIAEMgkICBAAGA0YgAQyCQgJEAAYDRiABNIBCDI0MTJqMGo3qAIAsAIA&sourceid=chrome&ie=UTF-8) should not exist. Borrowing against unsold assets should trigger a taxable event. Nix [tax benefits](https://www.google.com/search?q=bug+beautful+bill+private+yachts&sca_esv=b960a84cc5c43ab2&rlz=1C1CHBF_enUS984US984&sxsrf=AE3TifNHfriG6lBHC9laHIlQ2431NnyFkA%3A1765123516712&ei=vKU1aeakK8mzptQPwb2UiQw&ved=0ahUKEwjm8srB7auRAxXJmYkEHcEeJcEQ4dUDCBE&uact=5&oq=bug+beautful+bill+private+yachts&gs_lp=Egxnd3Mtd2l6LXNlcnAiIGJ1ZyBiZWF1dGZ1bCBiaWxsIHByaXZhdGUgeWFjaHRzMgcQIRigARgKMgcQIRigARgKMgcQIRigARgKMgcQIRigARgKSLsBUABYAHAAeAGQAQCYAXqgAegBqgEDMC4yuAEDyAEA-AEBmAICoALyAZgDAOIDBRIBMSBAkgcDMC4yoAeQDbIHAzAuMrgH8gHCBwUwLjEuMcgHBYAIAA&sclient=gws-wiz-serp) for Private Jets and Yachts like in Trump's bill. Ridiculous. Short term cap gains over ~$250k (won't hit working class) should all be taxed at a new highest marginal rate of 40%. All these insider traders won't ever stop cheating and it's hard to track anyway, so they should contribute to wider society. Elon is a obviously deranged basketcase and performative weirdo, but scapegoating him accomplishes nothing.
Hmm, AI is slowly going to deflate, but the rest will be shocked down by a catastrophic event. I reckon in 2027, probably a volcano, given the upswing in recent eruptions. Those old enough may recall: "Barings Bank collapsed in 1995 after a single employee, Nick Leeson, caused over $1.3 billion (£827 million) in losses through unauthorized futures and options trading in its Singapore office. The collapse was facilitated by insufficient oversight, poor risk management, and Leeson's ability to hide his losses in a secret account until a major market event, the Kobe earthquake, exposed the extent of the problem. The bank's assets were subsequently sold to [ING Group](https://www.google.com/search?q=ING+Group&oq=Bearings+ban&gs_lcrp=EgZjaHJvbWUqCwgDEAAYChgLGIAEMgYIABBFGDkyBwgBEC4YgAQyEQgCEC4YChgLGMcBGNEDGIAEMgsIAxAAGAoYCxiABDILCAQQABgKGAsYgAQyCwgFEC4YChgLGIAEMgsIBhAuGAoYCxiABDILCAcQABgKGAsYgAQyBwgIEAAYgATSAQoxMDI1NWowajE1qAIIsAIB8QWzAEqCXrkt8PEFswBKgl65LfA&sourceid=chrome&ie=UTF-8&ved=2ahUKEwjEwL-btKKRAxVMS3ADHQI6JpEQgK4QegYIAQgAEAY)."
Your at a point were you need torethink how you invest. You can keep in vin sting in growth index fund (all the fund you listed ar growth index funds. I would suggest investing you money in the taxable account into dividned ETF. Dividends are cash profit sharing payments to you. For example you could put money in your taxable brokerage account into CLOZ with a 8% dividend yield. 100K invested in that fund will generate all the money you need for your roth deposits. Or you could use the money to pay bills and other expense. You can get yield from 1% to 10% with about as much risk as your growth index funds. CLOZ actually has less risk than growth index funds, I have fund these dividend funds in my taxable account EIC 11%, PFLT 12%, ARDC 9%, EMO 9%. PBDC 9%, PFFA 8%, CLOZ 8%, UTF 7%, UTG 6.3%, JAAA 6%
I had a ~120 cost basis with META bought in 2022 and sold a lot of it this year close to ATH. It was just too much of my portfolio. Massive tax bill (almost $60k) that I've been paying throughout the year (USA). I keep it in a money market so it's been paying me some interest waiting for the next payment. It is what it is. Death & Taxes - both come for us all eventually unless you're one of those elite pricks that uses "[Buy Borrow Die](https://www.google.com/search?q=Buy+Borrow+Die&rlz=1C1CHBF_enUS984US984&oq=Buy+Borrow+Die&gs_lcrp=EgZjaHJvbWUyCggAEEUYFhgeGDkyCAgBEAAYFhgeMggIAhAAGBYYHjIICAMQABgWGB4yCAgEEAAYFhgeMggIBRAAGBYYHjIICAYQABgWGB4yCAgHEAAYFhgeMggICBAAGBYYHjIICAkQABgWGB7SAQgxMTIwajBqN6gCALACAA&sourceid=chrome&ie=UTF-8)" but that obviously doesn't apply to most of us. Psychotically it helps me to move my tax funds to a totally separate account so it's not mixed in with my investments.
Let me introduce you to a new word. [Hyperbole!](https://www.google.com/search?q=hyperbole&rlz=1C1GCEA_enUS1185US1185&oq=hyperbole&gs_lcrp=EgZjaHJvbWUyBggAEEUYOdIBCDQ5ODlqMGo3qAIAsAIA&sourceid=chrome&ie=UTF-8)
I did that and I am now retired at 55 and living off of my dividneds. Currently at 5K a month of income. Enough to cover my living expenses. I would like 100K in retirment and I estimated my tax for regular dividends with no other income and found my tax owould be 15K or 85K of income after taxes. It will be a few years before I get there. So it is possible to do it with just high tax regular dividends. Qualified dividends have a lower tax. But they are other low tax operations municiable bonds and ROC dividends. ROC means return of capital ( a tax classification) and freaks an out a lot people but A good fund can have ROC dividends by doing tax loss harvesting while earning a profit from your investments. This creates the ROC classification without returning any of your investment. The advantage Of ROC dividends is that you pay no taxes on the dividend. But when the cost basis of your shares reaches zero (which takes years you pay long term captial gains taxes which is the same as qualified dividend. Neos has some ver good covered call funds (see their website for a full list. But two of my favorit are SPYI 11% yield and QQQI 13% yield. You won't find qualified stock or ETF with this yield. And with these yields you can build up passive income faster than you can with qualified dividends of Note some other funds I hare (most are regular dividends) are : EIC 11% yield,, PFLT 11%,EMO 9%, PBDC 9%, ARDC 9%CLO 8%, UTF 7%, UTG 6.3, and JAAA 6%.
I won't comment on your choice of underlying, but I do want to maybe help with your understanding of LEAPS Calls. They're all I do now, starting early this year, and I have a lot of experience with them. I'd suggest that you're picking a Delta that's too low. You said "70% of the stock move," so your platform is probably showing that Dec '27 200C at 70-delta; ThinkorSwim is showing me 73-delta right now. Either one is too low. [The general consensus ](https://www.google.com/search?q=what+delta+should+you+buy+leaps+calls+at&rlz=1C1RXQR_enUS1137US1137&oq=what+delta+should+you+buy+&gs_lcrp=EgZjaHJvbWUqDAgAECMYJxiABBiKBTIMCAAQIxgnGIAEGIoFMgYIARBFGDkyBggCECMYJzIICAMQABgWGB4yDQgEEAAYhgMYgAQYigUyCggFEAAYgAQYogQyBwgGEAAY7wUyCggHEAAYgAQYogQyCggIEAAYgAQYogQyBwgJEAAY7wXSAQg0ODk1ajBqN6gCCLACAfEFQvdIhaLUe2A&sourceid=chrome&ie=UTF-8)it to go for 80-delta or more. I used to do that, but I'm at 90-delta for all my purchases now. Re-evaluate the percentage loss if Amazon stays flat from now till then. ToS is showing an extrinsic value of 43.46 against a Midpoint of 64.88 here AH on Saturday. It's that extrinsic that will decay over time, leaving only the intrinsic value (64.88 - 43.46). So you would lose 43.46/64.88 = **67%** of your original investment. Two-thirds if AMZN stays flat. You can help alleviate that by selling shorter-term Calls against the long Call, but I didn't see you mention that. Are you familiar with selling CCs against stock? It's the same when the collateral is a Call you own. One way to approach it is to figure out how much theta per day the long Call loses. That's just Extrinsic/DTE, which in this case is: 43.46/753 = 0.057, or 5.7 cents per day \[I used 753DTE *from Monday*; today and Sunday don't count.\] So then you need to find and sell a CC that delivers at least that much premium per day. If you don't know, a good place to sell CCs is 30-45DTE and 20 to 30-delta. The 32DTE 26Dec235C at 29-delta is selling for 3.67 at Midpoint. Calculate its theta-per-day: 3.67/32 = 11.4c per day. Exactly twice as much as needed to cover the 5.7c/day loss of the long Call. And it leaves some of the premium received to become profit. I won't work out the math here, but after paying for theta-decay of the long Call, you could be looking at a return from selling CCs against an 80-delta long Call in the neighborhood of 25% apy. That's if AMZN just stays flat. If it inches up slowly, you'd make more. But of course, if it drops enough, then premium from CCs won't be enough to cover it, so you'd lose money. But not as much as if you *didn't* sell Calls.
It's literally no contest. [https://presidentialdata.org/](https://presidentialdata.org/) [https://www.google.com/search?q=budget+deficit+under+clinton&oq=budget+deficit+under+clinton&gs\_lcrp=EgZjaHJvbWUyBggAEEUYOTIICAEQABgWGB4yCAgCEAAYFhgeMggIAxAAGBYYHjINCAQQABiGAxiABBiKBTINCAUQABiGAxiABBiKBTIKCAYQABiABBiiBNIBCTc2NjZqMGoxNagCCLACAfEFZui0WYbTJAo&sourceid=chrome&ie=UTF-8](https://www.google.com/search?q=budget+deficit+under+clinton&oq=budget+deficit+under+clinton&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIICAEQABgWGB4yCAgCEAAYFhgeMggIAxAAGBYYHjINCAQQABiGAxiABBiKBTINCAUQABiGAxiABBiKBTIKCAYQABiABBiiBNIBCTc2NjZqMGoxNagCCLACAfEFZui0WYbTJAo&sourceid=chrome&ie=UTF-8) [https://www.google.com/search?q=budget+deficit+under+george+w+bush&sca\_esv=9bd0e26604fdbc2f&ei=fMIgaenGCr2t5NoPu6rx0As&oq=budget+deficit+under+cbush&gs\_lp=Egxnd3Mtd2l6LXNlcnAiGmJ1ZGdldCBkZWZpY2l0IHVuZGVyIGNidXNoKgIIADILEAAYxwMYCBgNGB4yCxAAGIAEGIYDGIoFMgsQABiABBiGAxiKBUi4LlCtBVj6HXABeAGQAQCYAaYBoAGeCaoBAzQuNrgBAcgBAPgBAZgCC6AC2QnCAgoQABiwAxjWBBhHwgIFEAAYgATCAgYQABgWGB7CAggQABiABBiiBMICBRAhGKABwgIFECEYnwWYAwCIBgGQBgiSBwMyLjmgB48xsgcDMS45uAfTCcIHBTAuNC43yAck&sclient=gws-wiz-serp](https://www.google.com/search?q=budget+deficit+under+george+w+bush&sca_esv=9bd0e26604fdbc2f&ei=fMIgaenGCr2t5NoPu6rx0As&oq=budget+deficit+under+cbush&gs_lp=Egxnd3Mtd2l6LXNlcnAiGmJ1ZGdldCBkZWZpY2l0IHVuZGVyIGNidXNoKgIIADILEAAYxwMYCBgNGB4yCxAAGIAEGIYDGIoFMgsQABiABBiGAxiKBUi4LlCtBVj6HXABeAGQAQCYAaYBoAGeCaoBAzQuNrgBAcgBAPgBAZgCC6AC2QnCAgoQABiwAxjWBBhHwgIFEAAYgATCAgYQABgWGB7CAggQABiABBiiBMICBRAhGKABwgIFECEYnwWYAwCIBgGQBgiSBwMyLjmgB48xsgcDMS45uAfTCcIHBTAuNC43yAck&sclient=gws-wiz-serp) I honestly don't know where you're looking.
This sub and the wider investing public is (understandably) fixated on tech/AI, myself included. I'm buying META, CRM, RDDT, and a biotech penny (unnamed - rule 7). But keep in mind $100 made in a boring ass legacy company is the same as $100 made in MAG7. [XLP](https://www.google.com/search?q=xlp+stock&rlz=1C1CHBF_enUS984US984&oq=xlp&gs_lcrp=EgZjaHJvbWUqDggAEEUYJxg7GIAEGIoFMg4IABBFGCcYOxiABBiKBTINCAEQABiDARixAxiABDIOCAIQRRgnGDkYgAQYigUyEwgDEC4YxwEYkQIY0QMYgAQYigUyDQgEEAAYkQIYgAQYigUyDQgFEAAYgwEYsQMYgAQyBggGEEUYPDIGCAcQRRg80gEIMTU5OGowajeoAgCwAgA&sourceid=chrome&ie=UTF-8) Consumer Staples is a good buy. I bought 2,000 shares of boring old Campbell's (CPB). PG has had a big pullback but reliably makes $80B/yr in revenue. Just something to keep in mind during the latest tumult.
Don't forget about [Jeven's Paradox](https://www.google.com/search?q=jevens+paradox&rlz=1C1GCEA_enUS1068US1068&oq=jevens+paradox&gs_lcrp=EgZjaHJvbWUyBggAEEUYOdIBCDE5MjlqMGo3qAIAsAIA&sourceid=chrome&ie=UTF-8)
This is very real and I want to know who’s [responsible](https://www.google.com/search?q=hong+kong+gangster+richest+man+kidnap&ie=UTF-8&oe=UTF-8&hl=en-us&client=safari&sei=FZUdabHLCcf9ptQPof_QuQ4)
I thought it was just treasury bonds, but that doesn't seem to be the case. "Trump's new bond investments span several industries, including sectors that have already benefited, or are benefiting, from his administration's policy changes such as financial deregulation. Corporate bonds acquired by Trump include offerings from chipmakers such as Broadcom [(AVGO.O), opens new tab](https://www.reuters.com/markets/companies/AVGO.O) and Qualcomm [(QCOM.O), opens new tab](https://www.reuters.com/markets/companies/QCOM.O); tech companies such as Meta Platforms [(META.O), opens new tab](https://www.reuters.com/markets/companies/META.O); retailers such as Home Depot [(HD.N), opens new tab](https://www.reuters.com/markets/companies/HD.N) and CVS Health [(CVS.N), opens new tab](https://www.reuters.com/markets/companies/CVS.N); and Wall Street banks such as Goldman Sachs [(GS.N), opens new tab](https://www.reuters.com/markets/companies/GS.N) and Morgan Stanley [(MS.N), opens new tab](https://www.reuters.com/markets/companies/MS.N).Purchases of the debt of investment banks in late August included bonds of JP Morgan [(JPM.N), opens new tab](https://www.reuters.com/markets/companies/JPM.N). On Friday, Trump asked the U.S. Justice Department [to investigate JP Morgan](https://www.reuters.com/world/us/trump-says-he-will-ask-justice-department-probe-epstein-ties-with-bill-clinton-2025-11-14/) over its ties to the late financier and convicted sex offender Jeffrey Epstein. The bank has said it regrets its past ties with Epstein and did not help him commit "heinous acts." Trump also acquired Intel [(INTC.O), opens new tab](https://www.reuters.com/markets/companies/INTC.O) bonds after the U.S. government, under Trump's direction, [acquired a stake, opens new tab](https://www.google.com/search?q=intel+10+oct+stake+reuters&rlz=1C1GCHU_enUS1124US1124&oq=intel+10+oct+stake+reuters&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIHCAEQIRigATIHCAIQIRigATIHCAMQIRigATIHCAQQIRigAdIBCDQyNzBqMGo3qAIAsAIA&sourceid=chrome&ie=UTF-8) in the company." Source: [https://www.reuters.com/business/finance/trump-buys-least-82-million-bonds-since-late-august-disclosures-show-2025-11-15/](https://www.reuters.com/business/finance/trump-buys-least-82-million-bonds-since-late-august-disclosures-show-2025-11-15/)
The [**ad populum**](https://www.google.com/search?q=ad+populum&oq=falacy+of+crowd&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIICAEQABgWGB4yDQgCEAAYhgMYgAQYigUyDQgDEAAYhgMYgAQYigUyDQgEEAAYhgMYgAQYigUyBwgFEAAY7wUyCggGEAAYgAQYogQyCggHEAAYgAQYogQyCggIEAAYgAQYogTSAQgzNjEzajBqN6gCALACAA&sourceid=chrome&ie=UTF-8&mstk=AUtExfCl-Z9F3MdaHlFb7gABcXtoCEhDYxRp_tmXgH-1cap5KabvzBZ2n4SuioYMavALz8ZvexYWCJyItIr2rPFVyFAz_J5Qbt_7x88A4sYYO29sZmGxbZMfYalDnjxV9QR7tCd-FOL0bVXDyly58rbtWsgJR4Lg1tm0TomY3pOtFAe3RI8&csui=3&ved=2ahUKEwi1m8aH0fWQAxV8kIkEHXTIM2gQgK4QegQIARAB) **fallacy** or [**bandwagon fallacy**](https://www.google.com/search?q=bandwagon+fallacy&oq=falacy+of+crowd&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIICAEQABgWGB4yDQgCEAAYhgMYgAQYigUyDQgDEAAYhgMYgAQYigUyDQgEEAAYhgMYgAQYigUyBwgFEAAY7wUyCggGEAAYgAQYogQyCggHEAAYgAQYogQyCggIEAAYgAQYogTSAQgzNjEzajBqN6gCALACAA&sourceid=chrome&ie=UTF-8&mstk=AUtExfCl-Z9F3MdaHlFb7gABcXtoCEhDYxRp_tmXgH-1cap5KabvzBZ2n4SuioYMavALz8ZvexYWCJyItIr2rPFVyFAz_J5Qbt_7x88A4sYYO29sZmGxbZMfYalDnjxV9QR7tCd-FOL0bVXDyly58rbtWsgJR4Lg1tm0TomY3pOtFAe3RI8&csui=3&ved=2ahUKEwi1m8aH0fWQAxV8kIkEHXTIM2gQgK4QegQIARAC) mistakes popularity for truth or validity. It's also a fallacy to assume that because an opinion is popular it is wrong.
Saying this guy is likely successor https://www.google.com/search?q=John+Ternus&ie=UTF-8&oe=UTF-8&hl=en-us&client=safari
"Berenberg Bank has recently updated its rating for [Rolls-Royce Holdings plc](https://www.google.com/search?q=Rolls-Royce+Holdings+plc&oq=Berenberg+Bank+rolls+royce&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTINCAEQABiGAxiABBiKBTIKCAIQABiABBiiBDIHCAMQABjvBTIKCAQQABiiBBiJBTIKCAUQABiABBiiBDIKCAYQABiABBiiBDIGCAcQRRg80gEINTIyMWowajeoAgCwAgA&sourceid=chrome&ie=UTF-8&mstk=AUtExfAMPOwnjQF8Nf2WKNYZLBOcnwQNcbldlKREjwu0yWMhhDz3cSip272taaA7a49qrnQ-8V4PbE27qDmjzQjLGhutKDol2om8-62S9ugUzqrOGKrs92g6Nz_ZUE0p6Pjxx1bf9flv70C9k7Cs8vaorImfREQihGjHBfUUiayHyu7im_n1l3wHcZcZspMfo_k3qKh5b1Z37XP3pIgXTyYB65HA44kbrM9dUb_BqK43RL-sA3RcsawAqOmM52UUTIjzRErQOnhHW7AtAkdq3qke8jB6&csui=3&ved=2ahUKEwiFlcu-ju2QAxViODQIHcZQGyYQgK4QegQIARAB), raising it from a "sell" to a "hold" rating in October 2025, with an increased price target to GBX 1,080. This upgrade reflects Berenberg's positive outlook on the long-term growth of Rolls-Royce's engine delivery, particularly for large aircraft, and the company's improved internal performance, although the "hold" rating suggests caution remains. This is a change from an earlier "sell" rating in January 2024, which was based on concerns about the XWB-97 engine and the company's future plans."
Notable individuals with this last name include Argentine footballer and coach [Nery Pumpido](https://www.google.com/search?q=Nery+Pumpido&rlz=1C1CHBD_enCA1150CA1150&sourceid=chrome&ie=UTF-8&mstk=AUtExfDR2wfLejpm7o8tP2CfDziuQsUANb5w8mZRQL8U1Ww9dDDkn-hEKj-IAqNd6DQfyH0fVy09NA3_10s_2aj4vEp6iMlGtxSbbbj63cqk2CkgCKncGrMsIEYM3L2RAj_sPn6WoLFI_uoJ5DJaIgr8NkC9wxc7fLtkVUpntHnkeiIc_3w&csui=3&ved=2ahUKEwijsMvAiemQAxWTEDQIHWyQPP8QgK4QegQIARAF) and his nephew [Facundo Pumpido](https://www.google.com/search?q=Facundo+Pumpido&rlz=1C1CHBD_enCA1150CA1150&sourceid=chrome&ie=UTF-8&mstk=AUtExfDR2wfLejpm7o8tP2CfDziuQsUANb5w8mZRQL8U1Ww9dDDkn-hEKj-IAqNd6DQfyH0fVy09NA3_10s_2aj4vEp6iMlGtxSbbbj63cqk2CkgCKncGrMsIEYM3L2RAj_sPn6WoLFI_uoJ5DJaIgr8NkC9wxc7fLtkVUpntHnkeiIc_3w&csui=3&ved=2ahUKEwijsMvAiemQAxWTEDQIHWyQPP8QgK4QegQIARAG), as well as Spanish judge [Cándido Conde-Pumpido](https://www.google.com/search?q=C%C3%A1ndido+Conde-Pumpido&rlz=1C1CHBD_enCA1150CA1150&sourceid=chrome&ie=UTF-8&mstk=AUtExfDR2wfLejpm7o8tP2CfDziuQsUANb5w8mZRQL8U1Ww9dDDkn-hEKj-IAqNd6DQfyH0fVy09NA3_10s_2aj4vEp6iMlGtxSbbbj63cqk2CkgCKncGrMsIEYM3L2RAj_sPn6WoLFI_uoJ5DJaIgr8NkC9wxc7fLtkVUpntHnkeiIc_3w&csui=3&ved=2ahUKEwijsMvAiemQAxWTEDQIHWyQPP8QgK4QegQIARAH) and Cuban gymnast [Roberto Pumpido](https://www.google.com/search?q=Roberto+Pumpido&rlz=1C1CHBD_enCA1150CA1150&sourceid=chrome&ie=UTF-8&mstk=AUtExfDR2wfLejpm7o8tP2CfDziuQsUANb5w8mZRQL8U1Ww9dDDkn-hEKj-IAqNd6DQfyH0fVy09NA3_10s_2aj4vEp6iMlGtxSbbbj63cqk2CkgCKncGrMsIEYM3L2RAj_sPn6WoLFI_uoJ5DJaIgr8NkC9wxc7fLtkVUpntHnkeiIc_3w&csui=3&ved=2ahUKEwijsMvAiemQAxWTEDQIHWyQPP8QgK4QegQIARAI). Make DD....)))
# Help is available Speak with someone today # 988 Suicide and Crisis Lifeline Languages: English, Spanish Hours: 24/7 [](https://www.google.com/search?client=safari&rls=en&q=suicie+hotline&ie=UTF-8&oe=UTF-8#)
What are you taxes on the HYSA now assuming it has the ammount you want to invest? It isn't likel that much money. For HYSA you are now getting about 4% yield and it is likely dropping. You could open a taxable brokerage account and put your money in a dividend fund like CLOZ you would get 8% yield payed monthly with can be reinvested in the fund or spent. You can make adjustment with your work tax withholding to account for the extra income. if you slowly build up the money in the fund it will eventually produce enough to start covering some of your bills. And eventually it could cover all of your living expense. If you don't like CLOZ you can use QQQI 13% yield, SPYI 11%, EMO 9%, PBDC 9%, PFFA 8%, UTF 7%, JAAA 6%.
If you want to retire before age 60 you need to have taxable account to provide you with income until age 60. So this typically means people have a taxable account and retirement account. And sometimes just a taxable account. Now in a taxable acount the tax is generated by dividends, and capital gains from the sale of stock. Often dividends is what people worry about the most because that is taxed on the year it is received. Capital gains taxes mainly occur when you sell share with likely won't happen until you retire. Now an easy way to avoid dividend taxes is to use an ETF with a very low dividend. Growth index funds typically pay a dividend of 1%. So the dividend income on 1 million in invested is only about 10K. Since growth index funds average a total return of about 10% a year most people invest in these funds and then sell off about 4% a year for income when retired. At a 4% liquidation rate the income should last 30 years. 30 years is fine if you retire at age 60. You likely will die in 30 years. But if you retire at age 40 you need income for about 50 years. Which teams a withdrawal rate of 3% or less. Which also means you need to save a lot more money. These is another way to FIRE that doesn't involve liquidating stock for income. Invest for dividends. Using dividend ETF. You can easily get a dividendyeild between 5 and 10%. And dividned income doesn't involve selling shares. So if you save up 1.5 million and invest in a portfolio yielding 7% your after tax income would likely be around 80K a year. So you could focus on taxable account and build up a dividend portfolio using funds Like QQQI 13% yield, Spy 11% yield, PBDC 9%, EMO 8%, PFFA 8%, CLOZ 8%, JAAA 6%, and UTF 7%. you can do it . Now you likely would have to make quarterly 5K estimated tax payments to the IRS. But despite that you still have enough income for retirment. And if you take 7000 of that dividend income you could put that in a Roth to build up more tax free income. you can use after 60.
I know that. But there was a case back around 2016-2018 .. a black woman with 5 kids with no high school diploma.. she went full speed and got her high school diploma, college degree and law degree .. that was in Texas. This was my message. It doesn’t matter the circumstances.. if your put your mind to it, you can do it. That was my message. Here is the article: https://www.google.com/search?q=texas+woman+with+5+kids+got+her+college+degree+and+law+degree+in+texas&rlz=1CDGOYI_enUS1080US1080&oq=texas+woman+with+5+kids+got+her+college+degree+and+law+degree+in+texas&gs_lcrp=EgZjaHJvbWUyBggAEEUYOdIBCTE3NjE5ajBqN6gCGbACAeIDBBgBIF_xBbXBe3Bglylk&hl=en-US&sourceid=chrome-mobile&ie=UTF-8
Depends how long you think the decline will be. If you can hold a LEAP long enough you can make money even if there is a dramatic shift. If the shift stays then you’re out of luck. But take liberation day if you had bough a LEAP at the top right before the tariff announcement you would still be up massively For example: https://www.google.com/search?q=qqq&rlz=1CDGOYI_enUS835US835&hl=en-US&sourceid=chrome-mobile&ie=UTF-8
Most of your investment are growth funds. meaning 99% of your earnings comes from share price increase. There are fund that invest in companies with little to no growth but they produce a profit sharing cash payment to you about once per month or quarterly. So when the market crashed these stocks still (of at least most of them) still pay a dividned. You can get dividends from 1% yield to 100%. but for what the best rang is about 1% to 8%. Some of the safest don't even invest in companes. Bond (corporate and government), and Collateral loan obligations are some of the best. Some of these that I will probably be adding to my portfolio are JAAA 6% yield, UTG 6.3%, UTF 7%, CLOZ 8%, PFFA 8%, Inane bear market dividend producing assets do better than growth assets. In a bull market growth does better than dividends. Since about 1/2 the time the market in a bull or bear condition it only makes sense to have a protfolio that is a mix of dividend and growth.
Crash resistant fund are generally dividned funds that in vest in very stable assets. These funds will go up and down in share price with the market but even in a sever crash like in 2008 they likely will continue to pay a dividend. Some of the best ones I know of are JAAA 6%, UTG 6.3%, UTF 7% CLOZ 8%, PFFA 8%,
You chasing returns and constantly checking your portfolio as a reasult. most growth index funds average about 10% a year. You could rediscover what your dad did. Dividend stocks. Is your dad constant checking the market and stressing about when the buy and sell? Likely the answer is no. For example you could invest in JAAA 6% yield ,UTF 7%, CLOZ 8%,PFFA 8%, without doing daily checks. Also with dividends stocks like these you they alway pay a very stable and predictable dividend. dividend cuts are rare with these funds. And you can boost the dividend to about 10% buy adding some higher higher yield funds PFLT 12% PBDC 9%, EMO 9%SPYI 11%, QQQI 13%. For dividends you buy and hold. With many of the funds I have list they deposit cash monthly into your account. Others deposit quarterly. Also many worry about market crashes with many of the lower yeild funds will continue to pay even when the market is down a lot. I ha30K of dividned income before Covid. The market crashed and 50% of the stock price disappeared quickly. But my dividned chacks came in on schedul and I still got 30K a year. And after covid the shoe price recovered with the market. Today I retired early at 55 and have 5K a month of dividend income from a taxable account that coves all of my living expense In Fact I routinely invest 1K back into the market. You can get this level of income with about 500K invested at a 10% yield. Just invest what you can monthly and reinvest the dividends. It will take time but you will get there. If you want you can start with the higher yielding funds first and then switch to the lower yielding funds. and your can use the dividends from a taxable account to fund your Roth or pay regular monthly bills. day trading and growth investing is like making bets a a football game and watching the gave.. Dividend is like watching plants grow. you wanch and occasional trim.
Guys, guys read Roger Penrose he's already mathematically proven classical computers can"t replace us. Quantum maybe . . . https://www.google.com/search?q=chinese+rooms+penrose&oq=chinese&gs_lcrp=EgZjaHJvbWUqBggCEEUYOzINCAAQABixAxjJAxiABDIKCAEQLhixAxiABDIGCAIQRRg7Mg0IAxAAGJIDGIAEGIoFMg0IBBAAGJIDGIAEGIoFMgoIBRAAGLEDGIAEMgcIBhAAGIAEMgoIBxAAGLEDGIAEMgcICBAAGIAEMg0ICRAAGIMBGLEDGIAEMgoIChAAGLEDGIAEMgoICxAuGLEDGIAEMgoIDBAAGLEDGIAEMgcIDRAAGIAE0gEINTI0OWowajeoAhSwAgHxBYUYy1_N1FyX&client=ms-android-tmus-us-revc&sourceid=chrome-mobile&ie=UTF-8
Nah * **Duration:** The crash occurred over four business days, from October 24 to October 29, 1929. * **Market impact:** The [Dow Jones Industrial Average](https://www.google.com/search?q=Dow+Jones+Industrial+Average&rlz=1C1CHBD_enCA1150CA1150&oq=%25+of+crash+in+1929&gs_lcrp=EgZjaHJvbWUqCAgGEAAYFhgeMgYIABBFGDkyCAgBEAAYFhgeMggIAhAAGBYYHjIICAMQABgWGB4yCAgEEAAYFhgeMggIBRAAGBYYHjIICAYQABgWGB4yCAgHEAAYFhgeMggICBAAGBYYHjIICAkQABgWGB7SAQkxOTg1NmowajGoAgCwAgA&sourceid=chrome&ie=UTF-8&mstk=AUtExfC0_GOAr_6iDOT9yr8FZNtNXGyyZKN7GUJu_SEaUFX4fztzRK5pghMMDCB073vd_BsNckQiLGwGU7kVhb8xquuw1p7MdzDkYCZUyusx5BnzHAlZY4fQsYnQ0Z23SGTTXwv8AyBbUUzTug3waXvZVjkVUrisLQtvHPEhyNi52BgQBiM&csui=3&ved=2ahUKEwjogtClkdmQAxWfG9AFHaR9CUkQgK4QegQIAxAC) dropped approximately 25% in those four days and lost nearly half its value by mid-November.
The first google ai hit says China wants a reunification with Twain peaceful. [https://www.google.com/search?q=Chine+xi+wants+Twaiin+as+part+of+china+again&oq=Chine+xi+wants+Twaiin+as+part+of+china+again&gs\_lcrp=EgZjaHJvbWUyBggAEEUYOTIJCAEQIRgKGKABMgkIAhAhGAoYoAEyCQgDECEYChigATIJCAQQIRgKGKABMgcIBRAhGKsCMgcIBhAhGI8C0gEJMzA5MTVqMGo3qAIIsAIB8QUs8mqQN864\_Q&sourceid=chrome&ie=UTF-8](https://www.google.com/search?q=Chine+xi+wants+Twaiin+as+part+of+china+again&oq=Chine+xi+wants+Twaiin+as+part+of+china+again&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIJCAEQIRgKGKABMgkIAhAhGAoYoAEyCQgDECEYChigATIJCAQQIRgKGKABMgcIBRAhGKsCMgcIBhAhGI8C0gEJMzA5MTVqMGo3qAIIsAIB8QUs8mqQN864_Q&sourceid=chrome&ie=UTF-8)
Moving assets to income producing securities should be done before you get to retirement to secure reduce your risk. BND is a good choice but there are many good choices. Funds like JAAA 6% yield, JBBB 7.8%, CLOZ 8%, UTF 7%, and UTG% 6.3%. All have higher yield than BND and other government bond funds and historically are very safe investments. less safe but still not terribly risky are PFFA 8% yield, PBDC 9%. But you also need to factor in your expected income needs. you need to have a good estimate of your income needs in retirement and then gradually work on configuring your portfolio to generate more than that income. IF your account generates more than you need and you reinvest the excess income you will never run out of money.
If you would, skim through [these Google results](https://www.google.com/search?q=what+delta+should+you+buy+LEAPS+Calls+at&rlz=1C1RXQR_enUS1137US1137&oq=what+&gs_lcrp=EgZjaHJvbWUqCAgAEEUYJxg7MggIABBFGCcYOzIOCAEQRRgnGDsYgAQYigUyBggCEEUYOzIGCAMQRRg7MgYIBBBFGDsyBggFEEUYPDIGCAYQRRg8MgYIBxBFGDzSAQgyMTE4ajBqN6gCCLACAfEF_IByZBH8VZ3xBfyAcmQR_FWd&sourceid=chrome&ie=UTF-8). I asked, "What delta should you buy LEAPS Calls at?" See if you notice a theme. Yes, lower delta will work: *sometimes* But 80-delta puts the probabilities on our side, and it still gives us great leverage to the underlying. Many folks do 85, 90, 95, even 100-delta, and I myself am doing 85-delta these days. So you can just *believe* with the rest of us and start out making money, or squander much of your money before coming around to it yourself. If you were my friend I'd tell you to *please* just use 80-delta.
I've read through all the replies and you've gotten some good answers. But let me give you a piece of advice, tell you how I do it, then add a twist I don't think many people do. You must've bought those 390's at or OTM, because they're only at 70-delta. *So they're not ready to roll yet.* Here's the advice: ALWAYS [buy Calls at 80-delta or higher.](https://www.google.com/search?q=what+delta+should+you+buy+LEAPS+Calls+at&rlz=1C1RXQR_enUS1137US1137&oq=what+del&gs_lcrp=EgZjaHJvbWUqCAgAEEUYJxg7MggIABBFGCcYOzIGCAEQRRg5MggIAhBFGCcYOzIHCAMQABiABDIHCAQQABiABDIHCAUQABiABDIHCAYQABiABDIHCAcQABiABDIHCAgQABiABDIHCAkQABiABNIBCDE3ODhqMGo3qAIIsAIB8QVSnayMn4eIhw&sourceid=chrome&ie=UTF-8) Those Google search results will tell you the same thing. Read the AI answer, then skim through the other hits. Some are here on Reddit. I buy 1y Calls at 80-delta. When the stock/ETF goes up, they go deeper ITM. Their Delta goes up. Whenever there's an 80-delta Call below them, I roll UP. Stay in the same expiration, but roll UP to whatever strike is at 80-delta. You can do it daily, or just on the weekends. But leaving profit locked up in those Calls does 2 things: It lowers the leverage you're getting to the underlying. And it locks up money you could be putting to work somewhere else. When you roll up like that, back to 80-delta, the value of the new Call will be 'about' what you paid for the original one. It almost has to be, if too much time hasn't passed. So that's YOUR money, the money you put into the position. But when you rolled that dude UP and got a Credit, that's *house money.* And what can we do with house money? We can be a little riskier with it. So what \*I\* do, and this might not be right for everyone, is use that profit towards buying 100-120DTE Calls at 80-delta (ALWAYS 80-delta when buying Calls). Why do that? For more leverage. And those you can roll UP too when they go higher than 80-delta. Plow those new profits back into more 100-120-day Calls. It's working [exceedingly well](https://imgur.com/a/lHAq8eS) for me. Also, when the LEAPS Calls start to get inside 1y, and when the shorter Calls start to get inside 100d, roll them OUT to keep them in those two "time corrals": LEAPS you bought with your money, shorter Calls you bought with house money. Let me know if you try it.
But OTM Calls are more 'expensive' when the stock goes against you. If you want a lower entry point, IAU costs only 20% as much as GLD. Same for the miners, GDX. And the junior miners, GDXJ, are 25% of the cost. Or try my favorite for some months now, SILJ, at only 25.54 tonight. But please, always [buy at 80-delta or higher.](https://www.google.com/search?q=what+delta+should+you+buy+LEAPS+Calls+at&rlz=1C1RXQR_enUS1137US1137&oq=what+del&gs_lcrp=EgZjaHJvbWUqCAgAEEUYJxg7MggIABBFGCcYOzIGCAEQRRg5MggIAhBFGCcYOzIHCAMQABiABDIHCAQQABiABDIHCAUQABiABDIHCAYQABiABDIHCAcQABiABDIHCAgQABiABDIHCAkQABiABNIBCDE3ODhqMGo3qAIIsAIB8QVSnayMn4eIhw&sourceid=chrome&ie=UTF-8)
*No, because that would be* ***way*** *too much leverage to SPY* But to get the same exposure to SPY you could take your number of SPY shares, divide it by 100, and buy *that* many LEAPS Calls. You'll have a lot of extra cash left over, which you can put into other things if you want. And 670 is right ATM, and we're 'supposed' to be [buying LEAPS Calls at 80-delta ](https://www.google.com/search?q=what+delta+should+you+buy+LEAPS+Calls+at&rlz=1C1RXQR_enUS1137US1137&oq=what+del&gs_lcrp=EgZjaHJvbWUqCAgAEEUYJxg7MggIABBFGCcYOzIGCAEQRRg5MggIAhBFGCcYOzIHCAMQABiABDIHCAQQABiABDIHCAUQABiABDIHCAYQABiABDIHCAcQABiABDIHCAgQABiABDIHCAkQABiABNIBCDE3ODhqMGo3qAIIsAIB8QVSnayMn4eIhw&sourceid=chrome&ie=UTF-8)or higher. That's a sweet spot of getting good leverage, but not being so close to the money that a good dip in the underlying puts the Call ITM. I like the way you're thinking with time, though. Farther out is better.. Do you know how to figure out the leverage that LEAPS Calls give you? You take spot and divide it by the cost of the Call, and then multiply by Delta. In this case, looking at the Jan '28 823DTE 560C at 80-delta on ToS tonight, it has a Midpoint price of 172.48. And SPY is at 671.30 (that's spot). So: 0.80 x (671.30 / 172.48) = 3.1 *You're getting 3.1x leverage to SPY shares* from that LEAPS Call. So if you wanted to replace shares with a Call like that one, you could take the dollar amount ($1m you said) and sort of divide by that to get $321,000 as the dollar amount of Calls you should buy to get the same exposure. Then you've 679k to put into other things if you want. Have you looked at gold and silver lately?
[Rblcx chart](https://www.google.com/search?q=Rblax&rlz=1C1GCCA_enUS1183US1184&sourceid=chrome&ie=UTF-8) shows the expense ratio and front load. These are not hidden fees.
Look at the all time chart for the euro to dollar. [Does it look like we’re crashing?](https://www.google.com/search?q=dollar.to+euro&rlz=1CDGOYI_enUS983US983&hl=en-US&sourceid=chrome-mobile&ie=UTF-8)
$PATH check out the companies that already have long term contracts with UiPath. https://www.google.com/search?q=uipath+companys+that+use+service&rlz=1CDGOYI_enUS967US967&hl=en-US&sourceid=chrome-mobile&ie=UTF-8
$RXRX Recursion Pharmaceuticals - Keeping an eye on this one. Looks like it wants to run NVIDIA has a strategic partnership with Recursion Pharmaceuticals, which involves a $50 million investment from NVIDIA to support Recursion's AI-driven drug discovery platform. The collaboration focuses on using NVIDIA's AI and cloud-computing expertise to accelerate the development of new drugs by creating and scaling foundational models on its platforms like [BioNeMo](https://www.google.com/search?q=BioNeMo&rlz=1C5ZNUK_enUS1142US1145&oq=nvda+partners+with+rxrx+recursion+&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIHCAEQIRigATIHCAIQIRigATIHCAMQIRirAjIHCAQQIRiPAtIBCTExNDg1ajFqN6gCALACAA&sourceid=chrome&ie=UTF-8&mstk=AUtExfD5HxwaCkBQuanNumys6M9YMJnqMG88WfeOhMSsUTl_3bEiz3d7US-UZn0iTDwmueA3P4j9sCq4UTfOZ1EoXOj_i8T059Us2trLS1VGRnPbqm4LLgvCo-g1QEhzL_TbXrjBRrIhq7pRtOKprpEvrhpx8m09ZxWxJezZhxWr8z9Tqqs&csui=3&ved=2ahUKEwixwcOx8JSQAxVPPUQIHZ0BGwMQgK4QegQIARAD). Recursion leverages this partnership to speed up its drug discovery efforts, create AI tools for licensing, and potentially treat various diseases.
[Market Summary](https://www.google.com/finance?oq=gold+fut&pf=cs&sourceid=chrome&ie=UTF-8&sa=X&sqi=2&ved=2ahUKEwj1itawhpSQAxVHH0QIHZQgAmQQ6M8CegQIIBAE) \> Gold Futures 4,054.10 USD+49.70 (1.24%)today
So sick of reading this everywhere. Look at the dollar to euro all time chart [here](https://www.google.com/search?q=dollar+to+euro&rlz=1CDGOYI_enUS983US983&oq=dollar+to+eur&hl=en-US&sourceid=chrome-mobile&ie=UTF-8)
Hi, thanks for saying that! Yeah, kind of arbitrary, but there's definitely a balance involved. A balance to being too close to the money, where a smallish dip in the underlying will affect the value of the Call too much, and far enough ITM that you're not paying too much for time/theta. I wrote this up for someone else in this thread today, but can't find a way to point you to that reply, so I'll just copy it here. The question was: "Why 80-delta and not just-OTM?" \------------------ Because it's better. And safer. And because it's the [generally accepted practice.](https://www.google.com/search?q=what+delta+should+you+buy+LEAPS+Calls+at&rlz=1C1RXQR_enUS1137US1137&oq=what+delta+should+you+buy+LEAPS+Calls+at&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIHCAEQIRigATIHCAIQIRigATIHCAMQIRigATIHCAQQIRigATIHCAUQIRirAjIHCAYQIRirAjIHCAcQIRiPAjIHCAgQIRiPAtIBCTEwMjIyajBqOagCALACAQ&sourceid=chrome&ie=UTF-8) Don't get me wrong, LOTS of things work with options, but it's a matter of balancing returns with probabilities of profit and loss. Say you buy the 465DTE SILJ Call that's just OTM, the **24-strike** (with spot at 23.31). It costs **5.15** right now. What's the Break Even Price on that? It's the strike plus what you paid: 24 + 5.15 = **29.15** Now a few things can happen: SILJ can stay flat for the next 465 days and you lose the whole 5.15. Gone. Or SILJ can go down; same outcome. Or SILJ can up 21% from here, and.......congratulations: *you exactly broke even.* Or SILJ can go up by its Expected Move, reported as $8.20 by ThinkorSwim. And if that happens, the just-OTM Call would be worth: (23.31 + 8.20) - 24 = 7.51 Making its ROI: 7.51 / 5.15 = **46%**. Not bad. But now let's do all that for the **80-delta Call**, the 15Jan27 **18C** that costs **8.65**. Sure, that's a lot more than the **5.15** of the OTM Call, but let's see what happens. B/E is **26.65**. Say SILJ stays flat. What do you lose? You lose the 3.24 of time/*extrinsic* premium you paid for as part of the Call's price. So you lose 3.24 out of 8.65, 37%. Remember that you lost the *whole 5.15* in the OTM case. SILJ can go down, and you'll lose some; or maybe all, as before. But it would have to drop 23% before you lost it all. Or SILJ could go UP to the B/E of the first Call: 29.15. What would this Call be worth then? That number minus the strike: 29.15 - 18 = 11.15. And what did we pay for it? 8.65 Making the ROI: 11.15 / 8.65 = 29% Let that sink in for a minute: in the case where the OTM Call *barely broke even*, the ITM Call makes 29%.
from Google: *"You can invest in pre-IPO (initial public offering) stocks by becoming an accredited investor through platforms like Fundrise or* [*Hiive*](https://www.google.com/search?q=Hiive&rlz=1C1GCEA_enUS918US919&oq=how+do+you+get+in+on+stocks+before+IPO&gs_lcrp=EgZjaHJvbWUyBggAEEUYOdIBCDc4ODBqMGo3qAIIsAIB&sourceid=chrome&ie=UTF-8&safe=active&ssui=on&mstk=AUtExfATkv5jYcUD9HIYiTgNq_xT9bAcu5JepCvSKlYLamALqrzC2ZwRm2lomz1gAr1nZUZwDstCTGrBLaGojY6TjoZ0BWQZbcBaECVTohOTpOeFukVe7QgFAKO_O8WXEF4wS1VBucKMbSJduvtIXLRG37DbQgXrN6v3mpTDwPTMJyFfHqEf_wpMWNedfd8xQHn1N50x&csui=3&ved=2ahUKEwjp8euD_pKQAxX5PDQIHV2NGGcQgK4QegQIARAB)*, purchasing shares from employees via secondary markets, investing in* [*private equity or venture capital* ](https://www.google.com/search?q=private+equity+or+venture+capital+&rlz=1C1GCEA_enUS918US919&oq=how+do+you+get+in+on+stocks+before+IPO&gs_lcrp=EgZjaHJvbWUyBggAEEUYOdIBCDc4ODBqMGo3qAIIsAIB&sourceid=chrome&ie=UTF-8&safe=active&ssui=on&mstk=AUtExfATkv5jYcUD9HIYiTgNq_xT9bAcu5JepCvSKlYLamALqrzC2ZwRm2lomz1gAr1nZUZwDstCTGrBLaGojY6TjoZ0BWQZbcBaECVTohOTpOeFukVe7QgFAKO_O8WXEF4wS1VBucKMbSJduvtIXLRG37DbQgXrN6v3mpTDwPTMJyFfHqEf_wpMWNedfd8xQHn1N50x&csui=3&ved=2ahUKEwjp8euD_pKQAxX5PDQIHV2NGGcQgK4QegQIARAC)*funds, or using certain specialized brokerage platforms. Direct purchases from companies are also an option but typically require significant capital, while retail investors without accredited status can access pre-IPO companies through indirect investments, such as specialized exchange-traded funds (ETFs). "* it's difficult to get shares at IPO unless you're a large institutional investor or venture capital firm that's already invested in the company. take the recent IPO of Figma as an example. it seemed like most retail investors were getting 1 share issued to them at IPO if they were lucky.
Because it's better. And safer. And because it's the [generally accepted practice.](https://www.google.com/search?q=what+delta+should+you+buy+LEAPS+Calls+at&rlz=1C1RXQR_enUS1137US1137&oq=what+delta+should+you+buy+LEAPS+Calls+at&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIHCAEQIRigATIHCAIQIRigATIHCAMQIRigATIHCAQQIRigATIHCAUQIRirAjIHCAYQIRirAjIHCAcQIRiPAjIHCAgQIRiPAtIBCTEwMjIyajBqOagCALACAQ&sourceid=chrome&ie=UTF-8) Don't get me wrong, LOTS of things work with options, but it's a matter of balancing returns with probabilities of profit and loss. Say you buy the 465DTE SILJ Call that's just OTM, the **24-strike** (with spot at 23.31). It costs **5.15** right now. What's the Break Even Price on that? It's the strike plus what you paid: 24 + 5.15 = **29.15** Now a few things can happen: SILJ can stay flat for the next 465 days and you lose the whole 5.15. Gone. Or SILJ can go down; same outcome. Or SILJ can up 21% from here, and.......congratulations: *you exactly broke even.* Or SILJ can go up by its Expected Move, reported as $8.20 by ThinkorSwim. And if that happens, the just-OTM Call would be worth: (23.31 + 8.20) - 24 = 7.51 Making its ROI: 7.51 / 5.15 = **46%**. Not bad. But now let's do all that for the **80-delta Call**, the 15Jan27 **18C** that costs **8.65**. Sure, that's a lot more than the **5.15** of the OTM Call, but let's see what happens. B/E is **26.65**. Say SILJ stays flat. What do you lose? You lose the 3.24 of time/*extrinsic* premium you paid for as part of the Call's price. So you lose 3.24 out of 8.65, 37%. Remember that you lost the *whole 5.15* in the OTM case. SILJ can go down, and you'll lose some; or maybe all, as before. But it would have to drop 23% before you lost it all. Or SILJ could go UP to the B/E of the first Call: 29.15. What would this Call be worth then? That number minus the strike: 29.15 - 18 = 11.15. And what did we pay for it? 8.65 Making the ROI: 11.15 / 8.65 = 29% Let that sink in for a minute: in the case where the OTM Call *barely broke even*, the ITM Call makes 29%. But now let SILJ go to the EM point, 23.31 + 8.20 = 31.51 Making the 18C worth: 31.51 - 18.00 = 13.51 ROI: 13.51 / 8.65 = **56%** ***That beats the EM case for the OTM Call.*** So in every reasonable scenario, the ITM Call does better than the OTM. And sure, SILJ *could* exceed its EM, but the probabilities say it won't. And options are all a probabilities game, so put them on your side: **Buy Calls at 80-delta and don't think about it anymore.**
I don't hold shares anymore, just LEAPS Calls as stock substitutes. The book *Intrinsic: Using LEAPS to Retire Early,* by Mike Yuen put me on this path. [ $20 on Amazon](https://www.amazon.com/INTRINSIC-Using-LEAPS-Retire-Early/dp/0578814161/ref=sr_1_1?crid=2ISQQ8TNHPUV&dib=eyJ2IjoiMSJ9.tc1jvwZ8ryBIJK0P9QBkWg.a0Wy5ALC9ysuJB7p5OAa6jf6mSrnGyzvcNlEgtVaXT4&dib_tag=se&keywords=intrinsic+using+leaps+to+retire&qid=1759760544&sprefix=intrinsic+leaps%2Caps%2C240&sr=8-1) if you want to have a look. The gist of it is: buy LEAPS as far out as you can, and very far ITM, on Tech stocks, and wait. But I do 80-delta and just a year out, which is a [common recommendation](https://www.google.com/search?q=buy+leaps+calls+as+stock+substitutes&rlz=1C1RXQR_enUS1137US1137&oq=buy+leaps+calls+as+stock+substitutes&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIHCAEQIRigAdIBCDk2NzFqMGo0qAIAsAIA&sourceid=chrome&ie=UTF-8). And then I sell 16-delta Calls against them, something which Yuen describes, but doesn't seem to do. Right now I'm about 80% in gold and silver ETFs, and 20% in other ETFs.
Sorry for the delay. Here's some help: https://www.google.com/search?q=how+much+money+has+the+trump+family+made+during+his+second+presidency%3F&oq=how+much+money+has+the+trump+family+made+during+his+second+presidency%3F&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIHCAEQIRiPAjIHCAIQIRiPAtIBCTE2ODE2ajFqN6gCELACAfEFwKXq5c4lI5bxBcCl6uXOJSOW&client=ms-android-google&sourceid=chrome-mobile&ie=UTF-8 https://www.npr.org/2025/05/21/nx-s1-5406420/trump-accepts-qatar-plane-air-force-one
you might want to invest in funds like eCLOZ 8% yield, JAAA6% yieldThese are CLO funds basically it is a loan obligation that collateral backing the loan. So if the company with the loan goes into default the collateral is liquidated and you get your money back. UTG 6.3% yieldand UTF 7%yield. both are utility funds but there is very little overlap in there investments. The utilities are regulated and are not going bankrupt and shutting down suddenly. All very safe dividend investments. This limits your exposure to the higher valuations of growth funds for now. * This would generate 13K a year and you could invest all that income into growth index funds. Since you are buying in slowly you are basically dollar cost averaging your purchase. in 12 years you would have 200K in growth and 200K in dividend funds. * You can set up automatic monthly purchases of the growth using the dividend income you could also take half of the earnings and put that into roth and reinvest what is [left.in](http://left.in) growth funds. * You could also ignoregrowth funds and reinvest all the dividend back into funds that generated them. I about 12 years you will have 400,000K with about 26K a year of income. * If you loose your hob at any time and need income you can stop rienvesting the dividends and start recieving the cash during the next dividend payment. Which would be a bout a month. Note I am assuming you add no more money to the 200K. So the only money going in is the dividend income. of cource could add a new higher yielding funds for more income.
https://www.google.com/search?q=friday+sell+off+stocks&oq=friday+sell+off&gs_lcrp=EgZjaHJvbWUqBwgBEAAYgAQyCQgAEEUYORiABDIHCAEQABiABDIHCAIQABiABDIICAMQABgWGB4yCAgEEAAYFhgeMggIBRAAGBYYHjIICAYQABgWGB4yCAgHEAAYFhgeMgoICBAAGAoYFhgeMggICRAAGBYYHjIICAoQABgWGB4yCAgLEAAYFhgeMggIDBAAGBYYHjIICA0QABgWGB4yCAgOEAAYFhge0gEIMzY1MWowajeoAhCwAgHxBSWX7qIIhYYI&client=ms-android-samsung-rvo1&sourceid=chrome-mobile&ie=UTF-8 I see alot of screaming every friday, we literally primarily trade violent shares; that suddenly gain value. I'm just trying to soften that blow if prices drop round the board with such sudden gains.
Try "rising trend of unemployment for recent college grads" [https://www.perplexity.ai/search/rising-trend-of-unemployment-f-4K0WXW.JS3WCEREnw6nbiw](https://www.perplexity.ai/search/rising-trend-of-unemployment-f-4K0WXW.JS3WCEREnw6nbiw) [https://www.google.com/search?q=rising+trend+of+unemployment+for+recent+college+grads&rlz=1C1CHBF\_enUS979US979&oq=rising+trend+of+unemployment+for+recent+college+grads&gs\_lcrp=EgZjaHJvbWUyBggAEEUYOTIKCAEQABiABBiiBDIKCAIQABiABBiiBDIKCAMQABiABBiiBNIBCTE0NjY3ajBqN6gCALACAA&sourceid=chrome&ie=UTF-8](https://www.google.com/search?q=rising+trend+of+unemployment+for+recent+college+grads&rlz=1C1CHBF_enUS979US979&oq=rising+trend+of+unemployment+for+recent+college+grads&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIKCAEQABiABBiiBDIKCAIQABiABBiiBDIKCAMQABiABBiiBNIBCTE0NjY3ajBqN6gCALACAA&sourceid=chrome&ie=UTF-8)
Not that answer applies to a passively manage index fund. They just follow a published index like the S&P500. So if a company goes bankrupt they are off the list and a new company is added. However not all funds are based on an index. And some are activelystock managed. Some fund managers just pick the companies or other assets He believes are good investments. If one goes bad they replace it with another one they like. Now these fund managers can change the mix of assets at any time.based on the funds stated objectives. Now the fund managers Have to spend time researching and analyzing assets and monitoring their portfolio which means there is more work passive or UTF. They invest in utility stock and any any corperate bonds they sell. Now the stated objective of these funds is to generate income for investors So share price appreciation is much lower than most index funds. But the dividend is about 6 times higher than a typical pasive index fund. And the assets they hod are very different. UTG pays a dividend yield of 6.3% while UTF 7%. OR take a look at BIZD or PBDC. Both hold a group of companes called Business Development Companies that by law are required to pay out about 90% of their earnings as dividends. BIZD is based on a BDC index and has an expense ratio of 0.4% and a dividend yield of about 11%. PBDC chooses the BDC's it invests in ands an expense ratio of o.75% and a yield of 9%. With noPBDC has a slightly higher total return. Note for BIZD and PBDC an obscure SEC rule requires they to list expenses they never pay so their listed expense Ratio is about 13%. But if you read the prospectus the real expenses are much lower and I listed the values from the prospectus.
The all time curve is crazy [PSVT all-time](https://www.google.com/search?q=pstv&ie=UTF-8&oe=UTF-8&hl=en-lu&client=safari&sei=JbDZaInqGNqYkdUPmK28oAU)
What I would do with cash is put it in a taxable brokerage account and turnoff automatic dividend reinvestment. The cash from the dividned can be placed in HSA, HYSA, or money market account. After that any excess can be used to used for personal needs mortgage, roth, or held as cash for emergencies. Or some could be invested With a fund like QQQI 13% yield your account could push out a lot of cask per year. 100K at 12 would generate $1000 a month. And QQQI is a tax efficient account. The fund takes steps to lower the tax on the dividends you recieve. SPYI is similar but 11%. EMO and PBDC 9%, PFFA 8% or you could just go with a utility fund UTF and get 7% IF you want to take risk There is BTCI which has a yield of 25%.
Many low beta stocks or funds are Dividend stocks. So you could get: * Low beta * Low volatility. * and income At the same time without adding bonds cash in money market funds. you can get consistent dividend yields of 6 to 10% Which is better yield than banks money market or government bonds. And you can use the dividend to either increase your dividend over time by reinvesting it bank into the fund or stock. Or you could invest the dividend into more growth index funds. UTF 7% yield and UTG 6.3% yield are both good utility funds. Regulated stable companes. JAAA 6% yield and CLOZ 8%. These in collateral loan obligations JAAA invests In AAA rated loans and CLOZ invests in BBB rated loans. These loans are back by hard assets so it the company can't make its loan payment the assets can be sold to pay the investors. EIC 11% yield is a similar fund but it invests in CCC rated CLOs. Dividends are payed out generally quarterly or monthly. and it is not uncommon for dividend funds to pay out there dividend even if the stock price falls in a market crash.
https://www.google.com/search?q=will+dragonfly+be+part+of+the+north+american+battery+show&oq=will+dragonfly+be+part+of+the+north+american+battery+show&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIHCAEQIRigATIHCAIQIRigATIHCAMQIRigATIHCAQQIRiPAtIBCTEyMjM5ajBqOagCDrACAfEFgeVgjx4bp1zxBYHlYI8eG6dc&client=ms-android-samsung-rvo1&sourceid=chrome-mobile&ie=UTF-8 The Ai spells it out for you, if you google "Will dragonfly being part of the north american battery show"; and go on to list the three discussions they'll ether lead or play big parts of
Haven't noticed but your logic seem sound. As AI recalls . . . The "When the shoeshine boy..." phrase refers to a legendary indicator of a market top, originating from the story of [**Joseph Kennedy Sr.**](https://www.google.com/search?q=Joseph+Kennedy+Sr.&rlz=1C1UEAD_enUS1134US1134&oq=when+the+shoeshine+boy+&gs_lcrp=EgZjaHJvbWUyBggAEEUYOdIBCDczMjdqMGo3qAIAsAIA&sourceid=chrome&ie=UTF-8&mstk=AUtExfCcEoe6_KhZYzBpgm8tHB-YWjvSjyNl4gtSGvvSBGYpUJTAES0GDPa2rjm_eWz_b9MT96FmXzSRtqgEtCqcvrKSsT311wbT8cDBtlekq69i66f61QMTdb4uicuAfii7r2NHOMhb9iwU9eXrzwMeP0vaFUCC1nnxKNYqvcWuZQ6cQqNO6jsawocR9n6fGt_5bJSFlFmOuNSFMz6asmClDyn5sNpCG7DqP71oZ5pk4QKsJlGmG20UCdTQUzNvzZI756n8YzsA1mNf2MvD4HVgBVNU&csui=3&ved=2ahUKEwiOjrz_pfCPAxUvEVkFHdiqOMIQgK4QegQIARAB) observing that when a shoeshine boy gave him stock tips, it signaled widespread public participation and an impending market correction, particularly during the lead-up to the [1929 stock market crash](https://www.google.com/search?q=1929+stock+market+crash&rlz=1C1UEAD_enUS1134US1134&oq=when+the+shoeshine+boy+&gs_lcrp=EgZjaHJvbWUyBggAEEUYOdIBCDczMjdqMGo3qAIAsAIA&sourceid=chrome&ie=UTF-8&mstk=AUtExfCcEoe6_KhZYzBpgm8tHB-YWjvSjyNl4gtSGvvSBGYpUJTAES0GDPa2rjm_eWz_b9MT96FmXzSRtqgEtCqcvrKSsT311wbT8cDBtlekq69i66f61QMTdb4uicuAfii7r2NHOMhb9iwU9eXrzwMeP0vaFUCC1nnxKNYqvcWuZQ6cQqNO6jsawocR9n6fGt_5bJSFlFmOuNSFMz6asmClDyn5sNpCG7DqP71oZ5pk4QKsJlGmG20UCdTQUzNvzZI756n8YzsA1mNf2MvD4HVgBVNU&csui=3&ved=2ahUKEwiOjrz_pfCPAxUvEVkFHdiqOMIQgK4QegQIARAC). While the story is likely apocryphal, it represents the idea that **widespread enthusiasm for an investment suggests it may be overvalued**.
Bonds loose out to inflation because their yield is very close to the inflation rate. The long term average inflation rate is 3.2%. So you should be looking for yields of about 6 or higher. You could invest in CLO (collateral loan obligations with JAAA 6% yield from AAA rated loans. or BLOZ 8% BBB rated loans. There are two really good utility funds UTF 7% and UTG 6.3%. You could set dividend reinvestment to off. That way the cash then goes to a money market account earning about 3 to 4% You could spend or reinvest the money in the money market fund. I am retired and I use this aproach for my income. My income right now evceeds my living expenses. So 80 it spent and 20% is reinvested to insure my portfolio grows over time. Annuities are over hyped by marketing and often cost a lot fro the income they provide. And often the annuity locks you into that one investment for a long time. %
They are all big market capitalization companirs. Pay more tax to allow selling AI strategic chip to China from Nvidia. Now China had T figured out. No Nvidia [RTX Pro 6000D](https://www.google.com/search?q=RTX+Pro+6000D&oq=did+china+just+impose+embargo+to+nvidia+chips%3F&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIHCAEQIRigATIHCAIQIRigATIHCAMQIRigATIHCAQQIRigATIHCAUQIRigATIHCAYQIRirAjIHCAcQIRirAjIHCAgQIRifBTIHCAkQIRifBdIBCTIxOTExajBqN6gCALACAA&sourceid=chrome&ie=UTF-8&mstk=AUtExfBmHy-IVciKXDCaUKph79_tJDE4Q42eb7Ycy90Nl1pr9gtCc9S_SGzo0yfXLsopeo3YCsKC4q4mNrejNS-XnWouhJEliEEfiD0JQi7ESx7Eppi66WcJ2dgXvHXhmbbr_isF56tYeRpyYWdx7FQrgX-zG6oM6hVK8YJwFddQjl-qx1o&csui=3&ved=2ahUKEwjI25L6keqPAxXNIkQIHTNPBMEQgK4QegQIARAF)! T froze $400M grant for weapons delivered to Taiwan let it fend for itself life as a concession. For the first time he is favoring Tictok after he finds out his young voters use that site. He saw Trump noted that the Tictok had helped him gain support among young voters in 2024. He concluded that banning TikTok would hurt his popularity and had an advantage to Meta, he views as an "enemy of the people". T only thinks about himself with little concern for people safety, easily fell into geopolitical baits. No, he will not surround with poor people. Likes billionaires and blondes.
An **ETF sector** is an [exchange-traded fund](https://www.google.com/search?q=exchange-traded+fund&rlz=1C1MYPO_enUS1173US1173&oq=what+is+an+etf+sector&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIICAEQABgWGB4yCAgCEAAYFhgeMggIAxAAGBYYHjINCAQQABiGAxiABBiKBTINCAUQABiGAxiABBiKBTIKCAYQABiABBiiBDIKCAcQABiABBiiBNIBCTU5MzRqMGoxNagCCLACAfEF_lUT6Wh_AujxBf5VE-lofwLo&sourceid=chrome&ie=UTF-8&mstk=AUtExfAfpxBzwrHGOx97_n9K59Gz9xiFOVikmz1NdHQtqRF7kNOBCTY0OO7zrI9MZ7jBVZ_U57W_bx6EurHOvtdAUiknfMbf2KQaNUKSZoJQHUhbvBux54D4yqz3I0Bi7mhi71u9uvaZFL4mCUkt94GtRbPOlTiQr_WaDLz4kVMPvYn7TII&csui=3&ved=2ahUKEwiznO-nkeiPAxWfmmoFHWltBbUQgK4QegQIARAB) (ETF) that invests in the stocks of companies within a specific economic sector, such as energy, technology, or healthcare. Instead of buying individual company stocks, an investor buys one share of the sector ETF to gain diversified exposure to all the companies in that sector, which can reduce risk compared to a single stock. Sector ETFs offer a way to invest in a particular industry or a specific part of the economy.
You can move the account to a brokerage without insuring taxes. I use fidelity. All you have to do is contact them provide them with he account number for the american express account number and fill outcome forms and they will mov the acount to fidelity. >I guess I realize I lost money by not putting it in stocks and by inflation. I just don't know what to do. IT is important to realize your fear of risk is is not based on your experience with your investments but your fear of not knowing what will happen. In most cases the fear is a lot larger than actual risk. In my IRA I have a bond fundFAGIX that ear a steady 5% yield but I also have JAAA 6%yield, CLOZ 8%, UTG6.3%, UTF 7%, PFFA 8%. All of these investments produce cash payments into your account regardless of what the share price will do.The share pirice may go down but the cash will still be deposited quarterly. Generally people like you do better with these investments. Now you can add up to 7000 a year into an individual IRA. I strongly suggest you do this every month. Over time as you get more failure with these funds your fear will drop. Some higher yields can be achieved with slightly more risk with funds like PBDC 9% yield, SPYI 11%. And you could put some money in VT. All of these do hold stocks. Start out small first and gradually increase the ammount. in them.
The biggest joke of it all is that people generally think we do better under republicans, however the numbers just don’t jive, gdp better under dems over the past 50 years, stock market returns better under dems, hiring and private sector employment, that’s right you got it dems. https://www.google.com/search?q=who+does+better+Democrats+or+Republicans+as+to+GDP+growth+stock+market+returns+and+hiring+over+the+last+50+years&rlz=1CDGOYI_enUS1050US1050&hl=en-US&sourceid=chrome-mobile&ie=UTF-8&spknlang=en-US&inm=vs&vse=1
https://www.google.com/search?q=google+ad+tech+decision&oq=google+ad+tech&gs_lcrp=EgZjaHJvbWUqBwgBEAAYgAQyCQgAEEUYORiABDIHCAEQABiABDIHCAIQABiABDIHCAMQABiABDIJCAQQABgKGIAEMgcIBRAAGIAEMgcIBhAAGIAEMgcIBxAAGIAEMgcICBAAGIAEMgcICRAAGIAEMgcIChAAGIAEMgcICxAAGIAEMgcIDBAAGIAEMgcIDRAAGIAEMgcIDhAAGIAE0gEINDU3N2owajSoAgGwAgE&client=ms-android-samsung-ss&sourceid=chrome-mobile&ie=UTF-8
https://www.google.com/search?q=google+ad+tech+decision&oq=google+ad+tech&gs_lcrp=EgZjaHJvbWUqBwgBEAAYgAQyCQgAEEUYORiABDIHCAEQABiABDIHCAIQABiABDIHCAMQABiABDIJCAQQABgKGIAEMgcIBRAAGIAEMgcIBhAAGIAEMgcIBxAAGIAEMgcICBAAGIAEMgcICRAAGIAEMgcIChAAGIAEMgcICxAAGIAEMgcIDBAAGIAEMgcIDRAAGIAEMgcIDhAAGIAE0gEINDU3N2owajSoAgGwAgE&client=ms-android-samsung-ss&sourceid=chrome-mobile&ie=UTF-8
chat no understand. The more you tilt chat - they more alhpa they punt you. "YOU ARE WRONG AND HERE IS WHY". Like guys - the military has this exact same problem. Ya'll actually monkeys lol. Thanks for the alpha. See: War Thunder. Chat no understand how much you leaking here. "weapons systems have been repeatedly leaked on the [War Thunder](https://www.google.com/search?q=War+Thunder&rlz=1C5OZZY_enCA1148CA1148&oq=war+simulator+leaks+military+specs&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIHCAEQABjvBTIHCAIQABjvBTIHCAMQABjvBTIHCAQQABjvBTIHCAUQABjvBdIBCDU2NDFqMWo3qAIAsAIA&sourceid=chrome&ie=UTF-8&mstk=AUtExfChF5AlO3lOlTblhhlwEevzYF_hGd5dRnh4FTDtYdeMFwazFTRy2fb0BcvY8_w5Emydbe6fSEM-kII4KBwccOjEywB1KtZp1Eli0ECltJrBQVAexZfyoOKDgn16cW_nvs_2y1WnI7NBNg0dmIJQuyfQQJzFs7orZlbP9oha_FlrGOk&csui=3&ved=2ahUKEwjmgNOrhOGPAxU-ADQIHSNeFu0QgK4QegQIARAE) game forums by players seeking to influence in-game accuracy". This is the exact same. Paperhands trolls you, you tell him why he wrong... so he buys and prints. Thanks chat. You monkey. LOL
there are always people saying don't invest for X reason or invest for Y reason. Ignore all that and focus on understanding the investment your advisor is recommending read the prospectus for any funds an in general learn how to evaluate your investments. Your advisor can probably guid you or recommend classes or books to read to help you learn. Right now this is all new to you so I would ignore the news and focus on learning about dividend and growth investing and and evaluating 12K a month you are going to owe taxes on that. So keep that in mind and make sure you have have a tax advisor. But that said what i would do is invest the money in low risk dividend stocks. Such as JAAA 6%, UTG 6.3%, UTF 7%, CLOZ 8%, PFFA 8%. Eventually the money your are getting now will run out. When it does you want something to fall back on. All these funds generate cash dividends.
On September 18, 2024, the Federal Reserve cut its benchmark [federal funds rate](https://www.google.com/search?q=federal+funds+rate&oq=9%2F18+fed+cut&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIICAEQABgWGB4yDQgCEAAYhgMYgAQYigUyDQgDEAAYhgMYgAQYigUyCggEEAAYogQYiQUyCggFEAAYogQYiQUyBwgGEAAY7wXSAQgxOTExajBqN6gCALACAA&sourceid=chrome&ie=UTF-8&mstk=AUtExfD109Qa0r7O2u89UP9RDRVVR6SUN180fiAquUwRb69LlPcncazBHLSKVDgbihKTRFBj0F34h8QymBtmhgICRLOx4pvOszGb_KK-_LYGnILEG7FuBPKqRM1fM9Uq5dw6BjSENSgrXE2pIZrZnIlw5bSHoqV-4Xe7t7X-R9sy8TtdHec&csui=3&ved=2ahUKEwjl2r2o7d2PAxWiHDQIHTx6ISkQgK4QegQIARAC) by a half-percentage point (50 basis points) to a range of 4.75%-5.00%. This decision marked a pivot from the Fed's efforts to control inflation and was driven by increased confidence that inflation was sustainably moving toward their 2% target, while also aiming to prevent further weakening of the labor market. The cut was larger than usual and signals the start of an easing cycle, with more rate reductions expected in the near future. Turns out, they were wrong about inflation AND a year later labor markets were fucked too. Well done regards.
https://www.google.com/search?q=next+fed+rate+meeting&oq=next+fed+&gs_lcrp=EgZjaHJvbWUqDQgAEAAYgwEYsQMYgAQyDQgAEAAYgwEYsQMYgAQyDQgBEAAYgwEYsQMYgAQyDQgCEAAYgwEYsQMYgAQyBggDEEUYOTINCAQQABiDARixAxiABDINCAUQABiDARixAxiABDINCAYQABiDARixAxiABDINCAcQABiDARixAxiABDINCAgQABiDARixAxiABDINCAkQABiDARixAxiABDIKCAoQABixAxiABDIHCAsQABiABDINCAwQABiDARixAxiABDIHCA0QABiABDINCA4QABiDARixAxiABNIBCDQ5MDdqMGo3qAIUsAIB8QX200kupjvaL_EF9tNJLqY72i8&client=ms-android-verizon-us-rvc3&sourceid=chrome-mobile&ie=UTF-8
They add in a new option, like food/drink flavor. Also from the 2 listings I checked, there are no reviews for the 17 model, so at least not blatantly faking them... yet. [1](https://www.amazon.com/product-reviews/B0FGY89G9W/ref=cm_cr_arp_d_viewopt_fmt?ie=UTF8&reviewerType=all_reviews&formatType=current_format&pageNumber=1) [2](https://www.amazon.com/product-reviews/B0FKSZFNZN/ref=cm_cr_arp_d_viewopt_fmt?ie=UTF8&reviewerType=all_reviews&formatType=current_format&pageNumber=1)
Your intuition is definitely right. More blades typically mean more thrust & more noise assuming constant RPM. The idea is that for a given thrust, more blades means that they can operate at lower RPMs. Here's an interesting comparison for different aircraft (source: Joby): [LINK](https://www.google.com/search?q=How+Quiet+is+the+Joby+Aircraft+During+Flyover%3F&oq=How+Quiet+is+the+Joby+Aircraft+During+Flyover%3F&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIGCAEQRRg9MgYIAhBFGD3SAQczOTlqMGo0qAIAsAIB&sourceid=chrome&ie=UTF-8) In addition, Joby also does some very interesting things with their design. [The spacing of the blades on a given rotor isn't uniform.](https://verticalmag.com/opinions/jobys-airworthiness-criteria-a-blueprint-for-the-nascent-evtol-industry/#:~:text=However%2C%20the%20FAA%20thinks%20that,not%20be%20a%20limiting%20factor) This helps with blade wake interactions with adjacent blades. >An interesting design feature on Joby’s JAS4-1 eVTOL aircraft is the use of six five-bladed composite, variable-pitch propellers, **with blades that are spaced asymmetrically around the hub for noise reduction**. And then I've heard (but haven't really verified) [that they are able to do some things to avoid all the rotors spinning at the same RPM](https://www.engineering.com/how-joby-aviation-created-its-low-noise-flying-taxi/). >Each propeller can also independently adjust its rotation speed, tilt, and the pitch of its blades. That, Papadopoulos explains, enables the aircraft to minimize the interactions between the blade tips of one propeller and the aerial vortices caused by the blade tips of another. Since the rotor blade tips slice the air at half the speed of sound, suppressing these vortices is extremely important. So it seems that there are two factors that really affect noise - tip speed & interaction effects. You can only get tip speeds down so much (you can't not spin the rotor if you want to fly). Joby has spent a lot of effort on the latter in getting the interactions between blades and rotors down. Joeben has described these interaction effects as the primary cause for "sound quality". This is what creates the whop-whop sound from a helicopter. It's all very fascinating. You should follow the r/Joby sub. It's a pretty good resource to casually follow. It seems like there's always an interesting nugget that comes out of every press release or interview, so it's nice to follow along without putting in all of the legwork yourself. And it's not as cult-ish as some of the other single stock subs as you'll find critical analysis as well. Note that I also have an aerospace background, but my specialty isn't in propulsion...