UTF

GaylrdFocker

[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.

you_are_wrong_tho

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)

Splat_Pie

$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

Bittygirl707

$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. 

Joint-Tester

[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

you_are_wrong_tho

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)

TheInkDon1

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%.

RocketsYoungBloods

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.

TheInkDon1

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.**

TheInkDon1

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.

Load_Bearing_Vent

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

Various_Couple_764

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.

Great_Molasses_4601

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.

BranchDiligent8874

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)

Various_Couple_764

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.

DapperPenguin01

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)

Various_Couple_764

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%.

Various_Couple_764

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.

Great_Molasses_4601

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

MannieOKelly

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**. 

Various_Couple_764

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. %

Vast_Cricket

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.

Worldly-Cockroach800

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. 

Various_Couple_764

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.

kipvan60

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

sadandconfused32

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

sadandconfused32

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

PaperHandsTheDip

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

Various_Couple_764

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.

G0RD0N_CLARK

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.

NoBack2118

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

ElonBotX4TrumPeeTape

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)

beerion

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...

BallsOfStonk

It used to be a beverage company. It is now a shell company, looking to pump the stock on hype, and acquire patents in an attempt to look legit. It is a full on scam, and they have zero products and zero revenue. https://www.google.com/search?q=qubt+becerage+conpany&ie=UTF-8&oe=UTF-8&hl=en-us&client=safari&dlnr=1&sei=3g65aLf7OoKl0PEPp-OmsAE

Various_Couple_764

You could invest the money in JAAA 6% yield and JBBB 8% yield and PFFA 8% UTF 7% and UTG 6%.Thes all invest in different assets and provide a much better yield. These are dividend funds that pay out quarterly or monthly. Some higher yielding options are PBDC 9%, ARDC 10%,EIC 11%, and SPYI 11% the lower yielding funds are safest while the higher yielding funds have slightly higher risk. YOU will have to use a taxable brokerage acount for these funds. Set dividend investment to off. Cash will show up in the account and from there you can move that to your bank account. The higher yield of these funds will probably double your income. Any money you don't spend reinvest it for more income. Your taxes will go up due to the higher income. So you probably will have to make some adjustments to your tax withholding. I strongly suggest you read the book The Income Factory. and look at Armchair income on youtube.

GoZukkYourself

[Taco Bell](https://www.google.com/search?q=Taco+Bell+rethinks+AI+drive-through+after+man+orders+18%2C000+waters&rlz=1C1ONGR_enUS1121US1123&oq=Taco+Bell+rethinks+AI+drive-through+after+man+orders+18%2C000+waters&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIGCAEQRRg90gEJMTQ2M2owajE1qAIAsAIA&sourceid=chrome&ie=UTF-8) rethinks AI drive-through after man orders 18,000 waters There is always one asshole who has to ruin things for everyone else.

Fit-Implement-8151

LOL. Not exactly, dummy. https://www.google.com/search?q=amazon+recovery+from+.com+bubble&oq=amazon+recovery+from+.com+bubble&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIHCAEQIRigATIHCAIQIRigATIHCAMQIRigATIHCAQQIRigATIHCAUQIRigATIHCAYQIRirAjIHCAcQIRirAjIHCAgQIRifBTIHCAkQIRifBTIHCAoQIRifBTIHCAsQIRifBTIHCAwQIRifBTIHCA0QIRifBTIHCA4QIRifBdIBCDk1NjJqMGowqAIAsAIA&client=ms-android-verizon&sourceid=chrome-mobile&ie=UTF-8 If you invested in Amazon through the decline you are now a multimillionaire. You're a trader not an investor.

MattSmith5416

All in on ($ACHV) Long term (Ai Overview) https://www.google.com/search?q=achv+stock+target+price&ie=UTF-8&oe=UTF-8&hl=en-us&client=safari

Psynaut

I am really interested in your post, but also a little confused on the details. If you wouldn't mind adding some clarification. >QQQI 13% Yield, ARDC 12%, SPAYI 11%, EIC 11%, PBDC 9%, UTF 7%, SCYB 7%, UTG 6.3%, PFFD 6% FAGIX 5%. * The above is only 50% of your portfolio, and the other 50% is in growth ETF not part of the list above? * Most important question: The 5K in monthly income you receive is based on what dollar amount invested in the above portfolio? * Those numbers add up to 87%. Where is the other 13%?

Various_Couple_764

The solution to this cash reserve problem is not to use cash or growth index funds as a reserve for a market down turn. Instead consider investing your cash and taxa able brokerage holdings into dividend funds. For example if we take your 150K of cash and reinvested that for dividned. Now with 150K we cannot get enough cash to provide 9K a month. but with BTCI 25% yield you could get 3K a month of income Now normally I would recemond QQQI with its 13% yield due to my risk tolerance. BTCI is the maximum yield I would be comfortable with. But with your cash and taxable brokerage invested in BTCI you would bet very close to 9K a month. If you just use the cash in BTCI and reinvested all the money back into BTCI you will have 300K in BTCI and would have an income of 6K a month. If you don't need the money reinvest it in other funds to reduce single fund risk. or you could use the money to pay off a home loan or any debt you have. Reducing your living expenses. The key things to remember about dividneds is that the money is from the companies profits. And ever in 2008 and the dot. crash most companes were still profitable and still payed their dividends. I retired at 55 and I invested in QQQI 13% Yield, ARDC 12%, SPAYI 11%, EIC 11%, PBDC 9%, UTF 7%, SCYB 7%, UTG 6.3%, PFFD 6% FAGIX 5%. A mix high yield and lowe less risky yields And I still have 50% of my portfolio in growth index funds. My living expenses are about 4K and I currently get 5k from dividends so 80% of my income covers my living expenses with the remaining 20% being reinvested for more income. Now if there is a correction in the market most of my dividend income will continue. But if not I can sells some growth for additional income. A good book to read is the income factory. And armchair income on you tube invests the same way but does good reviews of funds that can be used for income.

Various_Couple_764

I would recomend diversifying into high quality dividend funds That way when the market falls the dividends will help contract some of the decline. I am using dividend funds like QQQI 13% yield, ARDC 12%, SPYI 11% EIC 11%, PBDC 9%, UTF 7%, UTG 6.3%, PFFD 6%.

yonghypeboy

Excuse me? A new stock?? click the link below. https://www.google.com/search?ie=UTF-8&client=ms-android-verizon-us-rvc3&source=android-browser&q=rddt

SaltyTruthteller

Sorry, Fred Harrison https://www.amazon.com/Power-Land-Fred-Harrison/dp/0856835420/?_encoding=UTF8&pd_rd_w=RKGlP&content-id=amzn1.sym.0fb2cce1-1ca4-439a-844b-8ad0b1fb77f7&pf_rd_p=0fb2cce1-1ca4-439a-844b-8ad0b1fb77f7&pf_rd_r=139-8614203-6561864&pd_rd_wg=E1suK&pd_rd_r=e3b9ef51-a1a3-46a8-8fc6-87a0d3d87e42&ref_=aufs_ap_sc_dsk

Various_Couple_764

Look at UTF is pays out 7% of the share price per year. And if you purchases one share of stock 20 years go it will still pay out 7%. ARCC founded 20 years ago and has been paying 0% dividend each year since. Investing in risky growth stocks isn't the only way to make money.

EvolvingDior

The dotcom bust occurred because people realized that to make the money that the CEOs were promising, users would need to consume 5 different ads every second and read 10,000 spam emails a day. No one was doing the math. No one wanted to hear about practical growth limits. I was on a team that was designing, and I shit you not, an email system designed to scale to 1T emails a day. These were advertising email. Because that was what was promised to investors. Now, at the time, only about 1B people had internet access. And we were one of a dozen major players in email content delivery. The funny thing is, scaling the delivery platform so we could brag about numbers was important. But supporting UTF-8 -- needed to reach the majority of potential targets -- was not a priority. Neither was reliable opt-out. It just had to "mostly work". In 2000, the laws of nature started to take over. The natural limits of growth were becoming apparent and people realized that the PEG ratios were a fantasy. The only companies that really survived were ones that had used their funny money to diversify into adjacent non-internet areas.

Various_Couple_764

right now you have two choices, open a a roth or a taxable account. I don't know if you have access to a 401K. I am assuming right now you don't. with 800 a month you and the roth depoist limit of 7000 you will have enough to open a roth and taxable account. Max out your roth every year. Most just invest in growth index funds Like S&P500 index funds. but with he deposit limit in 20 yours you would longly have about 500K available for retirment and it would not generate any meaningful income. In my opinion The best Roth investment is a high yield dividend fund like BTCI 25% yield. In 20 years you will have about 3.9 million in the acount producing 900K of dividned income a year. Yes there are some risks with a yield at 25% but it is the highest reasonable safe yield I know of. Realistically in 10 years i would start diversifying your investments in the roth. I am currently investing in QQQI 13% yield, ARDC 12%, SPYI 11%, EIC 11%, PBDC 9%, UTF 7%, SCYB 7%, UTG 6.3%, PFFD 6%. All would would make good additions to your roth when you start diversifying away from BTCI. And all are good choices for a taxable account. Once you reach the 7000 limit in the roth open a taxable account and start investing for dividends. The purpose of the taxable account is to give you a backup source of income. having a lot of dividend income is great backup in case your are unemployed or cannot work for medical reasons. I am following an investment stratagy similar to the book The Income Factory. Armchair income on youtube also follows this stratagy. Both list the funds they use or have used and that that is 100 in total. Armchair income also does detailed reviews of his investment choices. Which give you a good look at why he picks the funds he insists in.

Various_Couple_764

your could sell it off slowly and reinvest the funds for dividends. Dependinding on the yield the reinvestment you could get yearly cash income generation of 50k up to about 100K of income from your investments. Cash generated in the 401K will have to stay in the 401K until you reach age 60. But you can reinvest this cash to grow your earnings. IF the stock is in a taxable acount you could replace a immergeny fund with a passive income fund. I would read the book the income factory. It is about investing for dividend income. and list 68m funds the author has used plus several example portfolios. There ia also Armchair income on youtube. he list 38 funds has has in his dividend portfolio. and does detailed reviews of some of them and other funds that may be of interest. He also interviews fund managers and did interview the author of The Income Factory. That should give you enough ideas to on how to invest the money. I am currently using QQQI 13%, ARDC 12%, SPYI 11%, EIC 10%, PBDC 9%, UTF 7%, SCYB 7%, UTG 6.3%, PFFD 6%. 5

Three_of_a_kind3515

Just incase you didn’t hear.. some Celsius got mislabeled.. mixed it up with Hi Noon vodka drink.. https://www.google.com/search?q=celsius+recall+high+noon&ie=UTF-8&oe=UTF-8&hl=en-us&client=safari

Various_Couple_764

buy when the market is down 20% to 30% at that point it may not go much lower. The market has only lost 40% in a year 3 times in the last 100years. IF possible invest in dividend funds Dividend funds generally perform better in a recession than growth funds. She good dividend funds are QQQI, SPYI, PBDC, UTG, UTF, PFF.

cambeiu

[ARKK over the past 5 years](https://www.google.com/search?q=ARKK&rlz=1C1CHBD_enMY1019MY1019&oq=ARKK&gs_lcrp=EgZjaHJvbWUyEQgAEEUYORhDGOMCGIAEGIoFMhIIARAuGEMYxwEY0QMYgAQYigUyDQgCEAAYgwEYsQMYgAQyBwgDEAAYgAQyBwgEEAAYgAQyBwgFEAAYgAQyBwgGEAAYgAQyDwgHEC4YChiDARixAxiABDIHCAgQABiABDINCAkQLhivARjHARiABNIBCDEwNTVqMGo3qAIAsAIA&sourceid=chrome&ie=UTF-8). [VTSAX over the past 5 years. ](https://www.google.com/search?q=vtsax&rlz=1C1CHBD_enMY1019MY1019&oq=VTSAX&gs_lcrp=EgZjaHJvbWUqDAgAECMYJxiABBiKBTIMCAAQIxgnGIAEGIoFMgcIARAAGIAEMgcIAhAAGIAEMgcIAxAAGIAEMgcIBBAAGIAEMgcIBRAAGIAEMgcIBhAAGIAEMgYIBxBFGDzSAQgyMzgzajBqN6gCALACAA&sourceid=chrome&ie=UTF-8)

bocageezer

Utility- and Energy/MLP-related funds should do well, like UTF, UTG, ASGI, TYG, KYN, et al.

Ignoble66

im old check these out https://www.google.com/search?q=what+are+ghe+ildest+companies+in+the+world&ie=UTF-8&oe=UTF-8&hl=en-us&client=safari

dodgyrogy

Trump gets laughed at when he states during an interview, "I'm basically a truthful person..." [https://www.google.com/search?q=im+basically+an+honest+guy+trump+interview&oq=im+basically+an+honest+guy+trump+interview&gs\_lcrp=EgZjaHJvbWUyBggAEEUYOTIHCAEQIRiPAtIBCjE0MDEzajBqMTWoAgiwAgHxBXUSQfWjmK3H&sourceid=chrome&ie=UTF-8#fpstate=ive&vld=cid:4471edd2,vid:0k\_lovaW8n4,st:0](https://www.google.com/search?q=im+basically+an+honest+guy+trump+interview&oq=im+basically+an+honest+guy+trump+interview&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIHCAEQIRiPAtIBCjE0MDEzajBqMTWoAgiwAgHxBXUSQfWjmK3H&sourceid=chrome&ie=UTF-8#fpstate=ive&vld=cid:4471edd2,vid:0k_lovaW8n4,st:0)

Various_Couple_764

There is a lot of risk in yieldmax funds. That doesn't mean they will fail tomorrow or next year. We simply don't know how long they can keep paying these very high yields. There are a growing number of people that put in only the ammount they are willing to loose and then use the dividend income to buy less risky stocks. That is what i am thinking doing and and I suggest to do the same. Lower risk investements I use are PFFD 6% Yield, UTF,7%, UTG 7%, Scab 7%, PBDC 9%, EIC 10%, SPYI 11%, ARDC 12%, and QQQI 13%.

ryanpaulowenirl

https://www.google.com/search?ie=UTF-8&client=ms-android-ee-uk-rvc3&source=android-browser&q=prescription+meta+glasses already a thing

Various_Couple_764

Most economist are expecting higher inflation due to the tariffs and with growing world economic instability I would now focus more in on passive income investments. Such as these dividend ETFs: QQQI 13% yield, ARDC 12%, SPYI 11%, EIC 10%, PBDC 9%, UTG / UTF / SCYB all with7% yield, A.nd PFF 6%. These funds in a roth or 401K will compensate for the potential lower earning of index fund so your retriemtn account will do better than one without dividends. In a taxable account then income would help protect your from unemployment.

TheInkDon1

Options aren't a "thing" you "do". Theyr'e just another way to invest in (make money from, hopefully) stocks and ETFs. I'm guessing you don't have that first piece yet, how to invest. Start there, grasshopper. Figure out why you would *want* to invest your money in a particular ETF or stock, and only *then* do it with options. Amazon, 4.7 stars on 257 reviews: [Investing All-In-One for Dummies](https://www.amazon.com/Investing-Dummies-Business-Personal-Finance/dp/1119873037/ref=tmm_pap_swatch_0?_encoding=UTF8&dib_tag=se&dib=eyJ2IjoiMSJ9.5ERdsP8s79oJPXwgcXc95GSwiHNw4gtLuLfXJHkuYKv-TI24QuaMIM7Iukv_M4tDf9xqx_IdDNCbmReVtJQMRag1wQjsOwVEug2qNhbXbthMm79bufjMvHdZf4ELUbMqm988ibIqUmwnLJY9Nqg9M9hzIiY2wy1rYrQ1j68H0qtSd2pX6QVk4Apqdi6y5HHFOsKWSZagF4EYAqMwcKp4rZFDOADF07IFaGlDYecemu_IfaenDkv2L6chkky_gtaRyk6qbUl04BZY5lv-wZvPgOGwfznhVAcJecBXRRzKtdQ.8LKjSwFY__h8ST6wcCZ0pZHJt4BYQHd9C1-i2ZhlmR0&qid=1753799110&sr=8-2) Would be the best $37 you've ever spent. Or see if you local library has it or can get it.

Careful-One5190

He's asking about the business of powering those data centers, not the business of owning data center properties. I invest in that space through utilities and infrastructure funds like UTF, UTG, and BUI.

Carolinaathiest

Wrong again. [https://www.google.com/search?q=who+imports+european+products+to+the+us&rlz=1CAPUVO\_enUS1062&oq=who+imprts+european+products+to+the+&gs\_lcrp=EgZjaHJvbWUqCQgBECEYChigATIGCAAQRRg5MgkIARAhGAoYoAEyCQgCECEYChigATIJCAMQIRgKGKABMgkIBBAhGAoYqwIyCQgFECEYChirAjIHCAYQIRifBTIHCAcQIRifBTIHCAgQIRiPAjIHCAkQIRiPAtIBCTI3MDEzajBqN6gCCLACAfEFWps9fBf0bcc&sourceid=chrome&ie=UTF-8](https://www.google.com/search?q=who+imports+european+products+to+the+us&rlz=1CAPUVO_enUS1062&oq=who+imprts+european+products+to+the+&gs_lcrp=EgZjaHJvbWUqCQgBECEYChigATIGCAAQRRg5MgkIARAhGAoYoAEyCQgCECEYChigATIJCAMQIRgKGKABMgkIBBAhGAoYqwIyCQgFECEYChirAjIHCAYQIRifBTIHCAcQIRifBTIHCAgQIRiPAjIHCAkQIRiPAtIBCTI3MDEzajBqN6gCCLACAfEFWps9fBf0bcc&sourceid=chrome&ie=UTF-8)

Various_Couple_764

There are many types of ETF, Most here are referring to index ETF. But there are also dividend ETF, covered call ETF, Collateral Loan obligation ETF, and credit ETFs. And then for most of these your would also find CEF (Closed End funds). CEF are more like investment businesses instead. ETF are more like mutual funds but listed on the stock exchanges like. CEFs are listed on exchanges like common stocks. Mutual funds are generally not listed on exchanges. Each has different uses and performance. So you can use a combination to suit any need. CEFs I like are ARDC 12% dividend yield, EIC 10%. UTF 7%, UTF7%. Some very good covered call ETFare QQQI 13% dividend yield, and SPYI 11%. These also take steps to reduce the tax you pay on the dividend you receive. They are great for generating income in a taxable acount.

Various_Couple_764

Target date funds gradually sift their investments from mostly growth to income over time. So when you retire you have enough income to cover living expenses with enough growth so that you can maintain that income over time. Ideally you want more income than you need in retirement with enough growth to insure you never run out of money. Target date funds as a result of their investment stratagy are actively managed. Most growth index funds are passively managed. Meaning more people are needed to select the income investments and trim investments that don't work out. More people means more expenses. 0.75 is actually normal for actively managed funds. while 0.3 or less is about normal for passively managed growth index funds. But if you want you could do it yours with say 50% growth index funds with the remainder invested for income from dividend funds. Many focus on bonds but the yield is often too low for that to work well. Bonds barely keep up with inflation. But excluding government bonds you can get much higher yields. 9%, UTF 7%, UTG 7%, SCYB 7%, PFFD 6%. And I do have FAGIX a bond dung that earns 5%. But the bulk of my earnings comes from yields greater than 6% With an average yield slower to 9%. My current income is about 5K a month.

GAV17

> DBMFSIM/DBMFX: SG CTA Index (2000-2019) + 2.5% p.a. - 0.85% p.a., DBMF (2019-present) > DBMF is not bound to any index, but tries to replicate the gross return of large CTA hedge funds. The SG CTA Index reflects the net return of 20 large CTA hedge funds open to new investment. Thus, although they likely have similar return profiles, DBMFSIM performance before 2019 should not be taken as a one-to-one replication of how DBMF would have performed back then. [Should use this image.](https://www.google.com/search?q=survivorship+bias&oq=survivorship+bias&gs_lcrp=EgZjaHJvbWUyBggAEEUYOdIBCDU2MzBqMGo0qAICsAIB&client=ms-android-samsung-ss&sourceid=chrome-mobile&ie=UTF-8#vhid=Wdd5gVwx1EipLM&vssid=_0qR9aIuyHIDT1sQPy6LO-Q4_45)

Various_Couple_764

This is why I switched from growth index fund to dividend ETF and CEF fund. I am currently invited in QQQi 113% yield, ARDC 12%, SPYI 11%, EIC, 10%, PBDC 9%, SCYB 7% UTF 7%, UTG7%, PFFD 6%. Overall these funds produce 5K a month of income. Most goes to living expenses including healthcare I retired at 55). But 1K a month is reinvested which will help minimize inflation. When the dividends come in they go straight into a money market. fund. So I always have cash on hand. But I plan on keep a sizable amount in growth index for emergency needs, Unexpected large bills, and if needed I can harvest some growth and use that to increase my income as an inflation adjustment. The funds can also be used to replace any fund if it starts having issues.

Various_Couple_764

A couple of years of savings is out of reach for most people. However historically during long bear markets dividend perform much better than growth funds. If you invest in utility funds like UTG and UTF both with a dividend of 7% they will do better when S&P500 index funds have zero or negative returns.

Various_Couple_764

Personally I find I like cash dividends for income. I have minimal ammount. in government bonds because the yields are so low. Right now some my favorite investments are QQQI 13%, ARDC 12%, SPYI 11%, EIC 10%, PBDC 9% RLTY 8%, UTF 7%, UTG 7%, SCYB 7%. PFFD 6%. I am getting about 5K of income a month from these sources.

Various_Couple_764

With CD the maximum yield you are likely going to find is about 6%. However with a und like QQQI you can get a yield of 13%. And there are lot of choices in the 6 to 9% ranks for dividend ETF or CEF funds. And it is also possible to find yields win the 20% range or higher. I am investing in QQQI 13%, ARDC 12%, SPYI 11%, EIC 10%, PBDC 9%, RLTY 8%, UTF / UTG / scab 7%, and PFFD 6%. And unlike CD they don't expire. meaning once you have built the portfolio the dividneds will continue to come in indefinitely. I currently get 5K a month of dividend income and I am retired.

Various_Couple_764

I would not useChat AI for invesment advise. i would rather read the book The Income Factory. And youtube ArmChair income is an excellent resource. I am investing in these fund with the following yields; QQQI13% yield, ARDC 12% , SpYI 11%, EIC 10%, PBDC 9%, RLTY 8%, SCYB 7%, UTF 7%, UTG 7%, PFFD6% That work out to an average yeild of about 9%.

Avish_Golakiya

I'll still keep an eye on these two. Not a recommendation, as I mentioned, I'm already out of COGT. COGT: [https://www.google.com/search?q=bezuclastinib&rlz=1C1CHBF\_deDE1088DE1088&sourceid=chrome&ie=UTF-8](https://www.google.com/search?q=bezuclastinib&rlz=1C1CHBF_deDE1088DE1088&sourceid=chrome&ie=UTF-8) NAMS: [https://www.google.com/search?q=Obicetrapib&rlz=1C1CHBF\_deDE1088DE1088&sourceid=chrome&ie=UTF-8](https://www.google.com/search?q=Obicetrapib&rlz=1C1CHBF_deDE1088DE1088&sourceid=chrome&ie=UTF-8)

Various_Couple_764

Just an example of what you could do with 300K. invest it in QQQI 13% yeild and put the dividneds into a money market fund. I April when you do your taxes the you will have to pay a tax on the dividneds. So use a portion of the cash to pay the tax, and then use money left over to pay off your home loan and any other debt you have. After the first year you will have an idea as to how much the dividend should be kept as cash for taxes and how much your can use immediently to pay off debt. Overall QQQI will generate about $39,000 a year pf Income before taxes. And as a further benefit QQQI takes steps to reduce the taxes you pay on the dividend. But keep in mind you will have to pay taxes on inherited money so in the end you might has about 200K instead of Also while the potential with QQQI it is just one fund and history has show you are better off using multiple funds, That way in the rare event that one goes bad the rest of your money will still be in god funds. So I have spread my money out over fund like PFFD 6% yield, UTF / UTG / scab 7%, RLTY 8%, PBDC 9%, EIC 10%, SPYI 11%, ARDC 12% and QQQI 13%. For my portfolio it generates enough to cover more than my monthly living expenses.

Various_Couple_764

Most investors seek investments that earn around 10% to maximize ether growth of there protfolio Gold right now can be sold at a decent price but most of the time it isn't worth a lot and it doesn't pay a dividend. In may case I invest in dividend fund which earn me about 5K a month of income. 80% covers all of my living expenses. The rest is reinvested to grow my income Hopefully enough to keep up with inflation.I am invested in QQQI 13% yield, ARDC 12%, SPYI 11%, EIC 10%, PBDC 9%, RLTY 8% SCYB / UTF, UTG 7%, PFFD 6%

YouDontSeemRight

She is. https://www.google.com/search?q=chyna&oq=chyna&gs_lcrp=EgZjaHJvbWUqBwgAEAAYjwIyBwgAEAAYjwIyCggBEC4YsQMYgAQyBwgCEC4YgAQyBwgDEAAYgAQyBwgEEC4YgAQyBwgFEAAYgAQyBwgGEAAYgAQyBwgHEAAYgAQyCQgIEC4YChiABDIHCAkQLhiABDIHCAoQLhiABDINCAsQLhivARjHARiABDIHCAwQABiABDIHCA0QABiABDIHCA4QLhiABNIBCDEwMjhqMGo3qAIUsAIB8QWpvUK9MBjX7A&client=ms-android-bell-ca-revc&sourceid=chrome-mobile&ie=UTF-8

Playful_Fun_9073

https://www.google.com/search?q=robinhood+working+on+a+7+day+a+week+stock+market&ie=UTF-8&oe=UTF-8&hl=en-us&client=safari

Various_Couple_764

I would not expect your taxes to be zero but I don't know anything about taxes in puerto Rico. After you cover any taxes you will need to invest it. I would look at dividend investing. Over the last few years I started using growth I had to build a dividned portfolio. I retired earlier than expected and now I have 5K a month of dividend income. I have money invested in these funds PFFD 6% yield, UTG / UTF / SCYB 7%yield, PBDC 9%, EIC 10%, SPYI 11%, ARDC 12%, QQQI 13%.

Various_Couple_764

I would open a taxable brokerage account. and move your mo money into it. put the money into into a money market fund. Then slowly move money into QQQI which has a dividned yield of 13%. Do not automatically reinvests the dividneds. The dividend payments should go directly into your money market fund.Eventually you will have a cash account that is bing fead by the dividends from QQQI. You could over time graually add other dividned funds. I have PFFD 6% yield, UTG / UTF / SCYB 7%, PBDC 9% EIC 10%, SPYI 11%, ARDC 12%. Any extra cash gets reinvested. Eventually you could build up the account to get enough income to cover all of your living expenses, utility bills, bills, food, clothing, car cost, insurance. and housing.

DepartureQuick7757

Are you regarded https://www.google.com/search?q=is+tsx+open+today&ie=UTF-8&oe=UTF-8&hl=en-us&client=safari

Various_Couple_764

You need to invest for pasive income. For example. you could open a taxable brokerage account and inis a dividned fund. QQQI is nice one. it has 13% yield and takes steps to reduce the taxes you pay.. IF you put the roth depoist limit in this account yearly ns ewincwar raw siciswnsa,. IN 10 years you will have $100,000 in the fund and the yearly earnings willl be 13,000 or about 1K month. IN about 20 years you will have 600K with a yearly income 75K a year6 K a month of in come. This is a simple example of what is possible. But you don't generally want just one fund generating income. IF one goes bad you could loose a lot of money and time. If you spread your money equally over 10 funds then the impact of one bad investment is only 10% of your income. It is not unusual for people to have 20 funds in a portfolio. I didn't realize this until I was in my 50s. But I have did built up investments in index funds and other growth stocks in a taxable account over the years. So I started converting that to dividned investments. suing ufund like PFFD 6% yield, UTF / UTG, SCYB 7%, PBDC 9% EIC 10%, SPYI 11%, ARDC 12%, QQQI 13% I now have 5K of income a month. 4K Covers my living expenses including health insurance while 1K a month is reinvested for inflation protection. It still will be several years before I can use my well funded retirment accounts. And I still have more assets still available in my taxable account to fix any issues with what I have and increase my income. I wish I had done this at your age! Now this extra income does does come with additional tax. So I make quarterly estimated tax payments to the IRS. But that issues comes with the benefit that I have retired early and don't have to work. Some good resource es to guid you on this is the book "The Income fFactory. And ARmChair income on your tube. Both invest this way and the book list 68 funds the author has used, and Armchair income list 38 funds. Armshair income also does detailed review of some of the funds he uses. Don't ever withdrawal money from your regiment funds and pay the penalty. It is notworkth it. But you can pause investing new money into them and use that money to build your passive inc ome. Now many people will say dividends are very risky or not worth it. But most of these comments are from people that have never invested for dividends. My dividend portfolio has had no issues other than the taxe. I am also reworking my Roth for dividend income that will not be taxed when I can use it. And moving money from my 401K into the Roth.

davecrist

$500? JFC. And I know that all you did was prompt chatGPT for an app that would do it. I fear that someone dumb enough to give you $500 for this would then blindly follow the advice that it got an LLM to generate. Here is your app that anyone can run in their browser for free: ~~~ <!DOCTYPE html> <html lang="en"> <head> <meta charset="UTF-8" /> <meta name="viewport" content="width=device-width, initial-scale=1.0"/> <title>Investment Prompt Generator</title> <style> body { font-family: Arial, sans-serif; background-color: #0a0a0a; color: #f2f2f2; padding: 40px; max-width: 800px; margin: auto; } input[type="text"] { width: 60%; padding: 12px; font-size: 1rem; margin-right: 10px; border-radius: 4px; border: 1px solid #ccc; } button { padding: 12px 20px; font-size: 1rem; border: none; border-radius: 4px; background-color: #1a73e8; color: white; cursor: pointer; } button:hover { background-color: #1558b0; } textarea { margin-top: 30px; width: 100%; height: 300px; padding: 16px; font-size: 0.95rem; border-radius: 4px; border: 1px solid #444; background-color: #111; color: #f8f8f8; resize: vertical; } .label { margin-bottom: 10px; display: block; font-weight: bold; } </style> </head> <body> <h1>📊 Investment Prompt Generator</h1> <p>Enter a stock ticker or company name to generate an expert LLM prompt:</p> <input type="text" id="tickerInput" placeholder="e.g. AAPL or Apple Inc." /> <button onclick="generatePrompt()">Go</button> <div id="outputContainer" style="display:none;"> <label class="label">🔗 Copy this prompt into ChatGPT, Claude, etc.:</label> <textarea id="generatedPrompt" readonly></textarea> </div> <script> function generatePrompt() { const ticker = document.getElementById("tickerInput").value.trim(); const outputContainer = document.getElementById("outputContainer"); const output = document.getElementById("generatedPrompt"); if (!ticker) { alert("Please enter a company name or ticker."); return; } const prompt = `You are an expert financial analyst and investment researcher. Please create a detailed investment analysis prompt for the company or stock: **${ticker}**. Instructions for building the prompt: 1. Gather current financial data (e.g. revenue, earnings, margins, debt, valuation metrics, recent performance) from public sources like Yahoo Finance, Morningstar, or company filings. 2. Apply relevant investing frameworks from Warren Buffett, Benjamin Graham, Peter Lynch, or modern quantitative models. 3. Include sections for: - Competitive advantages (economic moat) - Valuation (P/E, DCF, comparables) - Financial health (debt, margins, ROIC, ROE) - Growth outlook and market risks - Management quality (if possible) Format the final prompt clearly so another LLM can use it to provide a complete investment analysis on **${ticker}**.`; output.value = prompt; outputContainer.style.display = "block"; } </script> </body> </html> ~~~

Various_Couple_764

I use dividend funds in my roth I don't automatically reinvest the dividend back into the then that generated it. Instead it all gets sent into a cash moneyn market fund. And then once a month the money is split up equally into all funds into my roth I am currently using funds like UTF 7% , PBDC 9%, EIC 10%, SPYI 11%, ARDC 12%, QQQI 13%.

Various_Couple_764

Short selling may only provide occasional income. For cash you want regular earnings. I would put some of your cash in a fund like QQQI with a 13% yield. Or you could use UTF 7%, PFFA 8% PBDC 9%, SPYI 11%, EIC 10% or ARDC 12%, or BTCI 24% But keep in mind you loose some liquidity when investing in these funds. Meaning if you need to withdrawal all the money you would have to sell shares, which takes a few days, and pay taxes on any capital gains. There is the possibility that you might sell at a loss. But with dividends you can build a contininous stream of income. Using funds like this I have drevolped an income protfolio and gernates 5K a month. Most is used for living expense and any excess is reinvested. I retired at 55.

danjel888

Are you sure? Both of these are from the same ETF... different currencies though. Both got different % returns. Sorry if I'm being thick, but I like to understand the detail behind these kind of things. [https://www.google.com/search?q=VWRA&rlz=1C1ASUM\_enGB936GB936&oq=VWRA&gs\_lcrp=EgZjaHJvbWUqDwgAEEUYOxiDARixAxiABDIPCAAQRRg7GIMBGLEDGIAEMgcIARAAGIAEMgcIAhAAGIAEMgcIAxAAGIAEMgcIBBAAGIAEMgcIBRAAGIAEMgcIBhAAGIAEMgcIBxAAGIAEMgcICBAAGIAEMgcICRAAGIAE0gEHODcxajBqN6gCALACAA&sourceid=chrome&ie=UTF-8](https://www.google.com/search?q=VWRA&rlz=1C1ASUM_enGB936GB936&oq=VWRA&gs_lcrp=EgZjaHJvbWUqDwgAEEUYOxiDARixAxiABDIPCAAQRRg7GIMBGLEDGIAEMgcIARAAGIAEMgcIAhAAGIAEMgcIAxAAGIAEMgcIBBAAGIAEMgcIBRAAGIAEMgcIBhAAGIAEMgcIBxAAGIAEMgcICBAAGIAEMgcICRAAGIAE0gEHODcxajBqN6gCALACAA&sourceid=chrome&ie=UTF-8) [https://www.google.com/search?q=vwrp&sca\_esv=d0afcc1efe59444d&rlz=1C1ASUM\_enGB936GB936&sxsrf=AE3TifOHKuojBK9mdQujOsQTSUYIPy9FPA%3A1750931517134&ei=PRhdaPv9B5vBhbIP\_4DI2Ak&ved=0ahUKEwi7kOuY6I6OAxWbYEEAHX8AEpsQ4dUDCBA&uact=5&oq=vwrp&gs\_lp=Egxnd3Mtd2l6LXNlcnAiBHZ3cnAyERAAGIAEGJECGLEDGIMBGIoFMgsQABiABBixAxiDATIFEAAYgAQyBRAAGIAEMgUQABiABDIFEAAYgAQyBhAAGAcYHjIFEAAYgAQyBRAAGIAEMgUQABiABEjFBlDWBFjWBHABeAGQAQCYAVegAVeqAQExuAEDyAEA-AEBmAICoAJgwgIKEAAYsAMY1gQYR5gDAIgGAZAGCJIHATKgB68EsgcBMbgHW8IHAzItMsgHBw&sclient=gws-wiz-serp](https://www.google.com/search?q=vwrp&sca_esv=d0afcc1efe59444d&rlz=1C1ASUM_enGB936GB936&sxsrf=AE3TifOHKuojBK9mdQujOsQTSUYIPy9FPA%3A1750931517134&ei=PRhdaPv9B5vBhbIP_4DI2Ak&ved=0ahUKEwi7kOuY6I6OAxWbYEEAHX8AEpsQ4dUDCBA&uact=5&oq=vwrp&gs_lp=Egxnd3Mtd2l6LXNlcnAiBHZ3cnAyERAAGIAEGJECGLEDGIMBGIoFMgsQABiABBixAxiDATIFEAAYgAQyBRAAGIAEMgUQABiABDIFEAAYgAQyBhAAGAcYHjIFEAAYgAQyBRAAGIAEMgUQABiABEjFBlDWBFjWBHABeAGQAQCYAVegAVeqAQExuAEDyAEA-AEBmAICoAJgwgIKEAAYsAMY1gQYR5gDAIgGAZAGCJIHATKgB68EsgcBMbgHW8IHAzItMsgHBw&sclient=gws-wiz-serp)

Various_Couple_764

I invest in dividend stocks and have been buying PFFD 6% yield, UTG 6.7%, UTF 7%, SCYB 7%, PBDC 9%. SPYI 11%, ARDC 12%, QQQI 13%

Joe_T

So hyperinflation isn't a black swan possibility? See [Bill Bernstein](https://www.google.com/search?q=bill+bernstein+hyperinflation&oq=Bill+Bernstein+hyper&gs_lcrp=EgZjaHJvbWUqBwgCECEYoAEyBggAEEUYOTIHCAEQIRigATIHCAIQIRigATIHCAMQIRigATIHCAQQIRigATIHCAUQIRiPAjIHCAYQIRiPAtIBCTEwOTMzajBqOagCDrACAfEFL54m2XewRn4&client=ms-android-motorola-rvo3&sourceid=chrome-mobile&ie=UTF-8).

Envyforme

The potential turnaround for Robo-Taxis could change the future as we know it. I use car payments as the parameter for determining robo-taxi's value. The automobile caused the suburbs. Either you worked in a big population city, or lived on a farm in the early 1900s. Suburbs didn't exist until everyone could get access to a car. Now everywhere has suburbs. a majority of Americans live in an area defined as a suburb. However, you still need a car for a suburb. Imagine if I could get rid of my car payment. For the average American[ it is 550 a month. ](https://www.google.com/search?q=car+payment+average+us+citizen&oq=car+payment+average+us+citizen&gs_lcrp=EgRlZGdlKgYIABBFGDkyBggAEEUYOTIKCAEQABiABBiiBDIKCAIQABiABBiiBDIKCAMQABiiBBiJBTIKCAQQABiABBiiBDIHCAUQABjvBTIICAYQ6QcY_FXSAQg3MDkyajBqMagCALACAA&sourceid=chrome&ie=UTF-8)(lowballing a bit here. Going more based off used cars.) add in car insurance it comes out to like 650-700. If I can live my life taking robo taxis for around that cost, and they are reliable, on time, and don't increase the commute, I am taking a robo-taxi for my life. Fuck insurance and fuck a car payment. Cars are great. At the same time they are expensive and not fun. Not even adding in the economic return that could be there and what it could bring cities.

bocageezer

I think you’d be better off investing in utility/infrastructure funds like UTF and UTG than trying to choose single stocks yourself.

Diligent_Cover3368

Also UTF and UTG together are a great way to get exposure to the whole utility sector fast.

TophatSerpant

https://www.google.com/search?q=2024+gpd+by+country&rlz=1CDGOYI_enUS802US802&oq=2024+gpd+by+country&gs_lcrp=EgZjaHJvbWUyBggAEEUYOdIBCDMxNzBqMGo0qAIAsAIA&hl=en-US&sourceid=chrome-mobile&ie=UTF-8 See link for gdp comparisons. You will see that India is number 4 in GDP being a large country like China and U.S, but there is substantial difference in GDP. Not listed is California by itself since it is only listing country’s. California GDP is 4.1 trillion. (4th largest GPD in the world, just one state). Germany was set back in ww2 economically and militarily. It’s getting back into the swing of things and making moves these days as apart of the EU.

Various_Couple_764

It is a very good idea but SCHD is not the best choice for this. They yield is very small. 100,000 in SCHD would only earn about 325 a month. Only enough to buy a little food or and maybe cover your utility bill. I did what your are proposing. I would use QQQI. QQQI has a higher yield 13% and the fund management takes steps to reduce the tax you pay on the dividend you receive. This ould generate about 1000 a month from your 100K deposit. Do not automatically reinvest the dividends. Instead they will appear as cash in your acount My brokerage put the money in money market account. Use the cash to pay billls or rebuild your emergency fund. At this point you have self refilling emergency fund. it will refill slowly but it will rebuild. As as much money as you can to increase the income Eventually you will have an eveThe rmgency cash in the money market account. And you could get enough income to cover er all of your living expenses. In my case that is 4K a mont. Enough to cover my living expenses (I live in high cost of living area).For 4K a month you would need about 400K in QQQI There are many funds you could use such as UTF 7% yield, PBDC 8%, PBDC 9%, BIZD 11%, SPYI 11%, BTCI 24% and many more. The key is to get the highest you feel ocmfortable with and if possible use a fund that payshas a lowe tax on the dividend you receive. Most of the funds I have listed are taxed as ordinary income. But they are useful for the income they create. Once I had enough income I started adding more funds until I had enough to retire early at 55. Also I reinvest about 1K a month to gradually grow my income. Hopefully enough income growth to cancel out inflation. No mater which fund you will use you will genrate taxable income. The best way to handle this is to estimate the additional tax you willl pay with the assumption that all of the dividdends are taxed as ordinary income. The highest taxrate to insure you have more than enough. Then you could put the money asside in monoy market account and use it to cover the april tax bill. Eventually you will start to charged with a lat payment of tax penalty. At this point start sending quarterly tax payments to the IRS.IF the estimate is low you owe more. IFyou pay too much you get money back.

Various_Couple_764

Yes it is worth it to have dividends in a roth. The dividneds allow you to get more cash into the account without violating the 7K deposit limit. Let say you add a dividend fund that adds 7000 to your account per year. This would double the amount of money going into the fund. And this would double the growth rate. There is however one group of companes you don't want to add to to a Roth The earnings from MLP are taxed in a roth. So you want to void those. However everything else is not taxed. Fund you should consider re PFFD8% yield, PBDC 9%, SPYI 11%, QQQI 13%, UTF 7%, Onenot of PBDC this fund list an expense ratio of 13%. This is not a real expense number for the funds. SEC rules requires this fund list it expense ratio + the expenses the companes it invests in. The ETF never pays the expenses of the companies in the fund. So if you correct for that the expense for the funned 0.75. This fund invests in comapanes that are required by law to pya out 90% of their earnings. So the dividend is always high.

Miramarmechanic

Thanks for your input. Im pretty sure my first long will be Pepsi. This video on stla is pretty interesting.[https://www.google.com/search?q=does+stellantis+make+the+hy+v8&rlz=1CDGOYI_enUS1021US1021&oq=does+stellantis+make+the+hy+v8&gs_lcrp=EgZjaHJvbWUyBggAEEUYOdIBCDU0MDdqMGo5qAIBsAIB4gMEGAEgXw&hl=en-US&sourceid=chrome-mobile&ie=UTF-8#fpstate=ive&vld=cid:3431d958,vid:VQb8ia86nJ4,st:0doesstellantismakethehyv8-GoogleSearch](https://www.google.com/search?q=does+stellantis+make+the+hy+v8&rlz=1CDGOYI_enUS1021US1021&oq=does+stellantis+make+the+hy+v8&gs_lcrp=EgZjaHJvbWUyBggAEEUYOdIBCDU0MDdqMGo5qAIBsAIB4gMEGAEgXw&hl=en-US&sourceid=chrome-mobile&ie=UTF-8#fpstate=ive&vld=cid:3431d958,vid:VQb8ia86nJ4,st:0doesstellantismakethehyv8-GoogleSearch)

Various_Couple_764

Two good funds are UTG 6.7% yield and UTF 7%yield. They both invest in utility infrastructure. Both are quite good and a couldn't decide on one so I have both. For solar I have been intermittently looking but haven't found one I like.

400lbBackSquat

[see here](https://www.google.com/search?q=what+companies+moved+production+to+usa+under+biden&oq=&gs_lcrp=EgZjaHJvbWUqCQgAECMYJxjqAjIJCAAQIxgnGOoCMgkIARAjGCcY6gIyCQgCECMYJxjqAjIJCAMQIxgnGOoCMgkIBBAjGCcY6gIyCQgFECMYJxjqAjIJCAYQIxgnGOoCMgkIBxAjGCcY6gLSAQ4xMzE1OTg1NDA5ajBqN6gCCLACAfEFJHKisf5U7o_xBSRyorH-VO6P&sourceid=chrome&ie=UTF-8) i guess all of these companies decided to invest in america because they knew trump would win and impose tariffs. can't be that companies just do it without tariffs. nope.

Various_Couple_764

The problem iwht bogleheads investing is you have to liquidate stock to generate income. Which means you could eventually run out of money. The solution to the problem that preserves captial is outlined in the Book The income factory. And Armchair income on youtube also discusses this. There are funds and company stocks that pay out a portion of their profits to you quarterly or monthly as cash to you. Say you invested 100K in a fund with 10% dividend yield of 10% and it pays monthly. Every month you will,$833. Dollars a month. while you are working you invest the money back into the fund. The fund will grow. in 7 years the fund will have about 200K deposited and will pay a dividend of 1,666 every moth. Over 30 years you should also have about 1 million in ht account producing about 10K a month of incomce. If you invest for dividends in addition to your growth index funds you should have substantial income when you retire. So you live off of the dividned income . IF you don't spend all of the income you reinvest the excess money. Hopefully you can reinvest enough to keep up with inflation. IF you have a bit unexpected expense in retirement you can sell the growth funds to generate the additionally income needed. Or you could periodically harvest 4% of the growth and reinvest the money for more dividend income to adjust for inflation. I retired and now get 5K a monty of income from dividends 4K covers my living expenses. and 1K a moat is reinvested. I also have growth funds I can tap if needed. It is working out very well. Some of the funds I am investing in for income are FAGIX 5% yield, PFFD 6%, UTG 6.7%, UTF 7%, SCYB7%, PBDC 9%, SPYI 11%, ARDC 12%, QQQI 13%.

Objective_Chest_1697

Lawsuits are expensive and unpredictable. Throw in security fraud lawsuits for good measure. They could potentially be on the hook for 10-20 billion if the wildfire fund is exhausted.  Per simple Google search https://www.google.com/search?q=could+current+lawsuit+bankrupt+Edison+international&rlz=1CDGOYI_enUS966US966&oq=could+current+lawsuit+bankrupt+Edison+international&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIHCAEQIRigATIHCAIQIRigATIHCAMQIRigATIHCAQQIRigATIHCAUQIRigATIHCAYQIRirAjIHCAcQIRirAjIKCAgQABiABBiiBNIBBzQ2NWowajeoAhmwAgHiAwQYASBf&hl=en-US&sourceid=chrome-mobile&ie=UTF-8

Various_Couple_764

I like dividends. I would put it in QQQI. it has a yield of 13% yield and would produce about 1000 in cash a month. If you reinvested all of the dividend the funds would double in size in about 5 year. If you don't reinvest the dividend you can buy other funds. In addition to the yield the fund also takes steps to reduce the tax you payoff the dividend. So in a taxable account it can be an alternative source of income I am retired with an income of 5K a month from dividends. Enough to cover all or my living expenses. I have the following funds UTG 6.7% yield, PFFD 6% UTF 7%, SCYB 7%, PBDC 9%, SPYI 11%, QQQI 13%, ARDC 12%.

nakedpilsna

https://www.google.com/search?q=walmart+tampa+bay+egg+price&oq=walmart+tampa+bay+egg+price&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIHCAEQIRigATIHCAIQIRigATIHCAMQIRigATIHCAQQIRigATIHCAUQIRirAtIBCTE2NTA0ajBqOagCDrACAfEF0A8sZrMyT6HxBdAPLGazMk-h&client=ms-android-verizon-us-rvc3&sourceid=chrome-mobile&ie=UTF-8 Show us the eggs for 2.50. (you cant)

nakedpilsna

https://www.google.com/search?q=walmart+tampa+bay+egg+price&oq=walmart+tampa+bay+egg+price&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIHCAEQIRigATIHCAIQIRigATIHCAMQIRigATIHCAQQIRigATIHCAUQIRirAtIBCTE2NTA0ajBqOagCDrACAfEF0A8sZrMyT6HxBdAPLGazMk-h&client=ms-android-verizon-us-rvc3&sourceid=chrome-mobile&ie=UTF-8 Show us the eggs for 2.50. (you cant)

NuSk8

Calls on UTF

Sriracha_ma

https://www.amazon.com/Amazon-Autos/b?ie=UTF8&node=10677469011 Amazon auto entering the used car space ? So, again why the fuck is caravana valued as if it has a monopoly of the US used car market when it makes up less than 1% of total sales ?

JasperinWaynesville

The use of Fibonacci ratios in trading has been a popular subject among traders for many years. Fibonacci ratios, also known as Fibonacci retracements are simply a technical analysis tool that traders use to identify potential levels of support and resistance in the market. The idea is that the market will retrace a predictable portion of a move, after which it will continue to move in the original direction. While many traders believe that Fibonacci ratios can help them make better trading decisions, the truth is that there is little evidence to support this claim. One of the main problems with using Fibonacci ratios to make trading decisions is that humans tend to look for patterns that aren’t there. This is known as[ apophenia](https://www.google.com/search?q=apophenia&rlz=1C1CHBF_enUS858US858&oq=apophenia&gs_lcrp=EgZjaHJvbWUyBggAEEUYOdIBBzcxMWowajSoAgCwAgE&sourceid=chrome&ie=UTF-8&num=100), which is the tendency to see patterns or connections in random or meaningless data. The human brain is wired to look for patterns, and when we see something that looks like a pattern, we tend to believe that it is real. However, when it comes to the financial markets, the data is complex, and it is easy to find patterns that are not really there. To quote Warren Buffett: "Smart People Should Avoid Technical Analysis" "I realized technical analysis didn't work when I turned the charts upside down and didn't get a different answer."

Various_Couple_764

I think paying off your dept is probably your best option. But there are fund that return 6% per year. For example UTG 7% yield, UTF 7%, SCYb 7%, PFFA 8%, PBDC 9%, SPYI%, ARDC 12% QQQI 13%. THESE FUNDS ARE Different Than VOO. VOO earning come from the price per share increasings. They funds I have listed don't have much price appreciation, Instead they make quarterly or monthly cash payments to you. The money will go directly into your brokerage account Now you can set your account to automatically reinvest the money into the account that generated the money or you just leave it as cash and spend it. As long as you don't sell shares you will continue to receive the money. You could move your emergency find into a prokerage account and use a brokerage money market fund to earn interest on your funds (My fidelity money market account yield 4.5%. Then you could use one or several of the funds above to continuously add cash to your emergency funds. If you have more cash than you want you can invest the money for more dividends. I am retired and I get enough money a month to cover all of my living expenses this way without selling shares.