UTF

nosoupforyou2024

Not gift card. Refund automatically. https://www.google.com/search?q=american+express+lulu&ie=UTF-8&oe=UTF-8&hl=en-us&client=safari&iga=1&utm\_campaign=safari\_share\_1

Sensitive-Exam649

If you want cash Would lookout UTF 7% yeild and UTG 6.2%. both are 20 years old and have never reduced there dividend. UTG has managed to grow it every year without. Bot have about double the yield. then there is OVL that uses calls an and puts to convert market volatility into income at 7%yield.

DanielzeFourth

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Sensitive-Exam649

Roth and brokerage account have very different rules and can be used in very different ways for different purposes. In my brokerage I have invested in QQQI, SPYI, KGLD, EMO, UTF, UTG, PFF. These provide montlhy dividned that have a tax calsifcation of Qualified or ROC for tax efficiency this portfolio covers all of my livinenexpenses of 5K a month allowed me to retire in my 50s. Now a roth cannot easily be used fro income prior to age 60. So VOO and chill will work. But you might also want to add some QQQI in it so that the dividends will add to your your yearly deposit allowing more than 7.5K a year of cash flowing into the account. The more cash flow into the account the larger it will be when you retire.

Various_Couple_764

I own MLP (master limited partnership) fund it invest in midstream oil and gas companies that operate pipelines and refineries. Ihave EMO 8..% yield. BDC (Business development corporations) I have PBDC 9% yield. for utilities and infrastructure UTF 7%and UTG 6.2%. these funds are 20 years old and have never cut t or reduced there dividend. CLO (colateral Loan obligations) Very low risk loan obligations JAAA 5.5% yeidl AAA rated CLOs. CLOZ 8% yeidl BBB CLOs.

Various_Couple_764

>I am wondering (and have been trying to crunch the math), would a brokerage account make sense to use as a spillover after the Roths are maxed  Yes it makes sense. I am currently living off of dividend income from my taxable brokerage account. it covers all of my living expenses. About 5K a month. I also have a Roth and 401K. i am invested in FAGIX (S&P500 growth index fund) QQI 13% dividend yield, SpYI 11%, KGLD 11%, EMO 8.5%, UTF 7%, UTG 6.2% PFF 6%. FAGIX is basically long term savings which I use basically as long term insurance against big unexpected expenses such has home repair or inflation adjustment for may dividend income. I have a money market find in the account for short term savings. I keep 6 months of cash in this account For all the dividend funds so the cash dividend go into my money market account I spend anything over 6 months of savings I can spend. IF I don't spend all of it I reinvest the excess for more dividned income (this also helps compensate for inflation. Now all of the finds I listed generate qualified dividends or ROC dividend this basically means the about 20% of the income is considered taxable income. This is about 80% discount from the work income tax rate. So it is a tax efficient account. this allowed me to retire about 10 years before I was expecting to. I am not planning to use social security until 70 and at that point it will probably be optional.

Various_Couple_764

you don't have to be growth or dividends. You can do both in one portfolio. In my taxable account I have FAGIX for growth. For dividneds I have QQQI 13% dividned yield, SPYI 11%, KGLD 11%, EMO 8%, UTF 7%, UTG 6% PFF 6%. This portfolio currently generates 5K a month that covers all of my living expenses. I does generate a bit extra about 1K which I reinvest for more income. These dividend funds pay monthly and produce qualified dividned to minimize my taxes. Since i started investing for dividends just before 2020 I have not seen any dividend cuts or any significant problems. Automatic dividend reinvestment is turned off for all these funds so the cash is in a money maker account and I keep a minimum of 6 months in the money market. FAGIX is the market holding with some individual growth stock picks. Otherwise every thing is in ETF or CEF funds. The growth is mainly long term savings for major emergencies or inflation adjustments. And I have 401K mainly growth and roth IRA which is a mix of growth and dividend. But since the Roth is tax free I have other dividend funds that are not tax efficient. Since dividends are very stable I don't worry about the volatility and risk of my growth funds. If I sell growth it is only in the ammount necessary for the emergency or inflation adjustment For example sell 4% of the growth once every 4 years to insure I never run out of growth.

Various_Couple_764

I have QQQI 13% yieldSPYI 11% , KGLD 11%, EMO 8.5% UTF 7%, UTG 6.2% test the price goes up and down but they always pay a dividend. You could get about 1K a month form these funds and the income is taxed at a very low rate so they are tax efficient funds. The income has been very stable. The dividned are paid out monthly so I primarily check the dividned ammount one a month and and ignore the up down news.

Various_Couple_764

You have done very well saving but you are imbalanced with all growth and no income. What I would do is sell the 100k and reinvest the money in a high dividned fund, QQQI for example. QQQI has a yield of 13%. So that 100K would generate 13K of income per year and it is a very tax efficient fund so you won't pay a lot in taxes. 600K in high yield funds with a yield of 10% would generate 60K a year of income. So you may watt to start slowly shiting your portfolio away from growth in the taxable account. You could use the money from this fund to pay down your home loan or if needed use the money to cover other expenses. And if you slowly sell of and reinvest the money in the brokerage account in to dividends. you could buildup secondary income sufficient to cover muchof your living expenses. giving you more financial security. In my taxable I have QQQI 13%, SPYI 11%, KGLD 11% EMO 8.5% UTF 7%, utg 6.2% , and PFF 6%. The lower yielding funds are selected based on nong term dividend stability. The other are covered call funds with no NAV erosion. All are tax effect producing mainly qualified or ROC dividends to minimize taxes. For me this protfolio generates 5k a month. Enough to cover all of my living expense.

Various_Couple_764

Start a taxable account and invest in QQQI 13% yield, KGLD 11%, EMO 9%, UTF 7%, and UTG 6.2. These are all tax efficient dividend funds, Simply buy and hold these funds. The purpose of these funds is to give you and secondary income stream you can use if you loose your jobe or the next Pandemic. Simply make regualr monty payments into these funds. Eventually it could generate enough income to cover all of your living expenses. At that pointyou couldretire whenever you want. Open a roth and invest the max allowed by law. This can be growth and dividneds if you want. Again this is simple buy and hold. Nothing hard and timing the market and trading is not necessary.

Various_Couple_764

Note not all dividneds are taxed as ordinary income. Some dividneds are taxed at the the lower tax long term capital gains rate or ROC which is even a bit lower. ROC dividend are even tax free for a period of time (often years) I am invested in QQQI 13% yield, SPYI 11%, KGLD 11%, EMO 8.5%, UTF 7%, UTG 6.2%. QQQI is tax free for 7 years then is taxed at the LTCG rate. SPYI and KGLD are tax free for 9 years and then is taxed at the LTCG rate. The remixing funds on the list are only taxed at the LTCG rate. But they have a much more stable dividend income. I built up all of these funds in a taxable account and I have growth in retirment accounts. Today it covers all of my living expenses in my 50s So I can take a 1 yer trip at any time.

Geoff_Dawmer

https://www.google.com/search?q=antimony&oq=antimony&gs_lcrp=EgZjaHJvbWUyBggAEEUYQNIBCDY4MDRqMGo3qAIAsAIA&sourceid=chrome&source=chrome.ob&ie=UTF-8&sei=iz5_asrWCaKz0PEPsr_YqQs

Various_Couple_764

What you could do is to move the portion of your portfolio to dividend investments. This would lock in growth in exchange fro a constant stream of income. The overall goal is to retire move that money into diviend ETF or bond ETFs and live off of the income these produce. Now many just recomend stating in growth until you retire and than suddenly switch to dividend and bond investments. But you can do this at any time in retirment accounts. And yes as people age there risk tolerance drops. And moving to dividend and bond ETF does meaningfully reduce your risk. And if you reinvest the dividends from these funds you account will still grow but at a slower rate For example you have a Roth with 1 million in it and you are getting nervous about the market. you can move this into ADC8% yield, PEO 8%, EMO 8.5%, UTF 7%, UTG 6.2% . 2 of these funds are almost 100 years old and 2 are 20 years old and have never reduced there dividned. You could take half of the growth 500K and put it in these funds And get an average yield of 7.5% and lock in a fixed income of 37,5K per year. And if you turn off automatic dividend reinvestment you could use that 7.5K of income per year to increase your growth purchases. And lets say in 2 years in a bulll market the 500K of gowth is now up to 75K you could harvest 25K of growth and put that money into the diviidend funds. boosting the dividend income to 39K a year. Now 39K with social security would be a decent income for retirment. Keep doing the rebalancing to maintain 50% to keep the growth at 500K

Various_Couple_764

Keep in mind if you lose your job you might be unemployed for more than 6 months. I strongly suggest allongside sgov invest in tax efficientdividend funds to: 1. Keep SGOV full at 24K. 2. And build the dividned fund to more than 30K a year of income using tax efficient funds. Funds such as GPIX, EMO, UTF NAC 3. provide money to start a ROTh account.

Various_Couple_764

Max out your 401k invest in goth and dividends. fill SGOOV to 24K Then start investing in dividned fund GPIX 8% yield, EMO 8/5%, and UTF7% and NAC 7%. Uzs the dividends to keep SGOV full. otherwise reinvest all dividends The purpose of the dividned is to eventually replace your cash emergency fund with passive income of 30K or more a year. All of these funds Pay montly and they genrate qualified or ROC dividneds which means you pay significantly less in taxes tha you do . NAC is CA muni fund with is state tax free to CA residents. If you do well with your dividned funds it could allow you to retire well before age 60. Dividends could also be form of unemployment insurance if you lose your job.

Key-Face-2117

Ticker so I can buy? And does IBKR support UTF-8?

Various_Couple_764

age recomendations are based on the idea that : * Everyone is investing retimrent . * Everyone is aiming for maximum total returns. * Everyone is working and has no need for extra income. * Everyone has the same risk tolerance. These assumptions don't apply to all people, So ther is no-one size rule that works for everyone. The best way to look at this is based on the a count type. If you are using Roth IRA were there are no taxes and you cannot withdrawal the money intuit age 60. These account are great for dividned and gowth at any age if you don't need access to the funds until retirment. 401K and and traditional all IRA also fit in this category. Taxable account can be used for any investments but you need to keep track of taxes. Taxable account are ideal for dividend funds that have high yields and generate ROC or qualified dividends that are taxed at lower rates than interest and work income. I personally have QQQI 13% yeild, and SPYI 11% , EMO 9%, UTF 8% , UTG 6.4% and PFF 6.% in my taxable account. The dividends are all from tax efficient funds and genrate 5K a month of income now which is about equal to my living expenses. and I use the income to maintain a 6 month emergency cas account. And this income allowed me to retire in my 50s. I have a 401K and roth which I will be able to access at 60.

Various_Couple_764

It is still good advice because annoying beyond 6 month of cash should be invested in bond or dividend funds. So If you have enough bond income or dividnedincome to cover all of your living expenses and turn off dividned investing the dividends will refill the cash account. And as long as you spend less than the dividend income you will never run out of cash aNow it does take time to build up a good dividend portfolio but once you have it you could be unemployed for years and still hav income For many people 6 month of cash works out to $30K to 60K. 60K in QQQI a dividend fund with 113% yield will produce 7.8K a year. so yes it will take years to build it up but ingeneratl most people are employed longer than they have been unemployed. So while working it is a good idea to to star this. I have a dividend portfolio of QQQI SPYI 11% yield,EMO 8%, UTF 7%, UTG 6.4%. are tax efficient funds so you won't pay a lot in taxes. And all pay in monthly installments it currently generates enough to cover my 5K amount living expenses.

Various_Couple_764

5 years o cash is about 250K to 500K. You are saying basically there are no investments available that will pay dividned in the worst economic conditions we have seen in the last 100 years 2008 and 1930UTF and UTF both paid dividend through the 2008 market crash They have 20 year history of no dividned cuts. There are

Various_Couple_764

Keep in mind the age - 100 rule was widely used before retirment accounts existed. So everyone was using taxable brokerages. With no ability to avoid taxes the safe way to minimize taxes was to gradually shift you porfolio from mostly growth to mostly income over time. Now with Roth, IRA, 401K many say stay full invested in stocks and then switch to inocme. Since you can sell at any time and pay no taxed this waite until the last minute aproach will work. But these are strictly retirement rules. which means it is assumed you cannot withdrawal the money until age 60. There are many peoplethatdon't want to wait for incomeuntile age 60. having divined income from your investments can be a type of insurance against unemployment or a medical crysis that prevents you from working for moths to several years. Others want to retire ass soon as possible, gas 30 to 40 or earlier, and that means a taxable account. Others want income for vacation or hobbies. So overall i would not use age as rule defining how you invest. With dividend funds like QQQI 13% yield, SPYI 11% yield, EMO 8%, UTF 7%, UTG 6% and PFF you could get substantial income at any age for any reason and these funds all generate qualified or ROC dividend so they are tax efficient investments and the income is paid out in montly installments.

Crazy_Donkies

It's down 1% in Korea fucktard. https://www.google.com/search?q=sk+hynix+stock+korea&oq=sk+&gs_lcrp=EgZjaHJvbWUqCAgCEEUYJxg7MgYIABBFGDkyBggBEEUYOzIICAIQRRgnGDsyBggDEEUYOzIPCAQQABhDGLEDGIAEGIoFMhUIBRAuGEMYxwEYsQMY0QMYgAQYigUyBwgGEAAYgAQyDAgHEAAYQxiABBiKBTIMCAgQABhDGIAEGIoFMgwICRAAGEMYgAQYigUyDAgKEAAYQxiABBiKBTIMCAsQABhDGIAEGIoFMgYIDBBFGEEyBggNEEUYPDIGCA4QRRg80gEIMzA5OWowajmoAg6wAgHxBUJvw53XYyZB8QVCb8Od12MmQQ&client=ms-android-att-us-rvc3&sourceid=chrome-mobile&source=chrome.ob&ie=UTF-8

Various_Couple_764

Ignore the news are comments. Focus on your goals. For a retirment fund a growth index funds is good like VT, VTI , VOO, or QQM are good. For a taxable brokerage you can also use growth index funds, Or you can in a good dividend fund Like EMO 8% yield, UTF 7% UTG 6.4% or government bond Any one of the funds above safe good choices to get you started And just buy it and gradually add more money. The key is to just get started with something safe and simple. Don't follow any advice on reddit, Just see it as a place to learn by seeing what other people are doing and what funds they are doing. And then do your own research by reading the fund prospectus and other documents. Most funds have websites were that information is posted.

Various_Couple_764

You basically have a saving account for an emergency fund. Most people have them but the interest you get is basically just keeping up with inflation. So you are not really making progress . I would open a taxable account and move 50% of the money in the taxable account. Invest in QQQI 13% yield and turn off dividend reinvestment. Dividends are regular cash profit charing payment to you. Dividends will show up as cash in a money market fund which will also earn interest like your bank saving account. The move the remains 50K from your bank to the brokerage account and leave it as cash This would give you 50K for emergencies. And if you use some this emergency cash QQQI will slowly refill it. without you using any of your work income. Most of the time you probably won't need the cash. and the cas plus dividend will continue to build. Then open a Roth IRA and star making $540 money deposits in the Roth account. In the Roth account invest the money in VTI and VXUS. Keep and equal ammount of money in VTI and VXUS. Your 100k that was doing nothing is now funding your retirment account and and you hav emergency cash you can use. And if needed you can stop the investments into the roth to rebuild the emergency savings if use some of the money. Then you could setup monthly automatic transfer from the bank to taxable brokerage account. The ammount every month can be whatever you can afford. Then in the brokerage account setup an automatic purchase of QQQI stock This will increase the dividned generated per month. And if you want you you could add VTI to your taxable acount or other dividned funds like EMO 8% yield, UTF 7%, UTG 6.4% to your taxable account. And ther is noting wrong with putting a dividend fund into the Roth. I highly recoment you setup monthly withdraws from the band and automatic montly depots into the Roth. Montly automatic purchases of VTI and VXUS stock. This way you don't have to do anything other than occasionally checking your account to see if everything working smoothly.

AnonymousLoner1

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Funny-Sprinkles-5674

Holy shit Oracle is getting delisted! [SEC probes Oracle delisting from exchange](https://www.google.com/search?gs_ssp=eJzj4tVP1zc0TEmriK8wSDcxYPQSz0stSy1SSM_Py0tUSM8sS1WozC9VKC0AAANTDVU&q=never+gonna+give+you+up&oq=never+gonn&gs_lcrp=EgZjaHJvbWUqCggBEC4YsQMYgAQyDQgAEAAY4wIYsQMYgAQyCggBEC4YsQMYgAQyBggCEEUYOTIHCAMQABiABDIHCAQQLhiABDIHCAUQLhiABDIHCAYQABiABDIHCAcQLhiABDIHCAgQLhiABDIHCAkQABiABNIBCDM4OTZqMGo3qAIAsAIA&sourceid=chrome&source=chrome.ob&ie=UTF-8)

Various_Couple_764

There are a few index funds that use equal weighted funds were each company in the index. So an equal weighted S&P500 fund would have 1 share of each of the 500 companies in the index. But that will still not protect you from an AI crash. Because the drop caused by a AI companies can trigger a panic selling in most or all companies in the market. For example in 2008 most of the problems were in banks and mortgage companies. But by the end of thfe year all indexes were down 50% even if that index had no banks or mortgages. The problem we have today is not just the AI but also it is 90% or retirement investors are investing in growth indexes. and you have a lot of investors that only invest in asset only have growth. So all indexes are likely going to drop when the AI bubble pops. OR the the AI bubble and overvalued index will all suddenly drop when there is really bad economic news or the war in ukraine or inane get much worse and only oil becomes unaffordable. The best way to protect yourself is with dividned funds. that have a history of paying dividneds during market crash. And some of these funds don't invest in stocks like corporate bond funds and close fund debt obligations. For example ARDC 9% yield, PBDC 9%, EMO 9%, CLOZ 8%, UTF 7%, UTG 6.4%, JAAA 5.5%.PFF 6%. These funds will many of which did pay dividend in 2008. Now their share price will drop but they will still be paying dividends. So while the market could be down -20% you will still make money through dividends. and you won't have to sells shares during the crash for inocme.

Various_Couple_764

SGOV is basically the same as a Money market fund or HYSA. I would rather deposit money into a high yeild fund like QQQI 13% yield. and turnoff dividend reinvestment and and led the dividned fill a money market account. build that up to 5 most of cash Anything more than 6 month would be reinvested for more dividend income Eventually the dividned income may be enough to allow you to start funding the Roth. So now you have dividends funding your Roth and keeping your emergency fund full. Eventually you could start using the dividned income to also start covering some of your monthly bills. Which would indirectly allow you to increase your 401K invsitment. Eventually I added other dividned funds like SPYI 11% yield. EMO 9%, UTF 7%, UTG 6% and PFFD 6%. All these funds are taxed at ta lower rate than your work income and they pay montly dividends. My taxable account now generates enough inome to cover all of my living expenses. it won't fix your problems overnight. It take time to build up the divine income . And the more income you have the easier it is to invest for retirment.

Various_Couple_764

The fear and anxiety are from not knowing what to do and worry that the share price will suddenly move and you loose. You might be better off with dividned investing. Dividend are cash profit sharing payment directly to your brokerage acount. Dividned funds and stocks tend to smaller and less frequently price swings than growth stocks. And the dividend payments that occur montly or quarterly can be substantial if you have a lot of money. With dividend you will make a yearly profit without selling the share. All you have to do it simply hold them in a brokerage account. You could sell them but before you do work with a tax professional to dertermine The tax you will owe and then make sure the taxes are paid. Once taxes are paid you could reinvest them back into the same stocks. But I would recoment investing the money in another fund Such as SPYI 11% yeild, EMO 9%, UTF 7% UTG 6.4% and or PFFD 6%. All these funds pay cash profit sharing payments directly into your brokerage account. At that point you can either spend the cash or reinvest it for more dividends income or invest the dividneds into growth index funds or into a Roth account to save for retirment.

znightmaree

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Various_Couple_764

You are assuming the highest safe yield id 5%. Sorry that is not true. you can get very safe yields above 5%. UTG 6.4% and UTF 7% are both 20 years old and no dividned cuts. PFFR and and CLOZ 8%, EMO 9%, PBDC 9%, ARDC 9%. no dividend cuts in 15 years. EMO and PBDC invest in the few companes that are required by law to pay out most of there earnings as dividends. As a result they almost always pay more than 5% Which also means most payed a dividned during the 2008 market crash. The dividend probably did dip little bit but it kept common in.

Various_Couple_764

I have a dividend fund UTF 7% yield if you purchased 1 share 20 years ago that one share has paid out $265 and has a share price gain $10. this one example says the dividned are not the same as selling.

Various_Couple_764

Most people know about government bond funds and growth funds. but you might want to replace your CD with a dividend fund. Dividend are cash profit charging payment directly to your brokerage account from your investments. UTF 7% yield and UG 6.4% yield have been paying these yield for 20 year with no dividned cuts. They payed a dividend in 2008. The worst market year since 1930. You could invest in one or both and double the interest of your current CD. Move the CD money into a taxable brokerage and turn off automatic dividend reinvestment and the dividneds will appear as cash in your brokerage account. You can then hold onto the cash as an emergency fund or reinvest it for more dividend income or put it back into growth fund. Or you can use the money to cover some monthly bills. While UTF and UTG are good funds there is also PFF 6% yield. and EMO 9% These all produced Qualified dividend which are taxed a rate lower then work income So they are considered to be tax efficient. ARDC 9% Yeils , and CLOZ 8% are not tax efficient but again are still reliable dividned payers. Dividend fund historically are less volatile than growth index fund and the income is very reliable.

Various_Couple_764

SGOV has a yield of 3.8% currently inflation if 4.2%. Meaning Anyong holding cash right now is loosing money due to inflation at a rate of 0.4% per year. The goal of many investors is to have a rate of return about double the long term average rate of inflation. That means you need a savings account that pays about 6% interest. I doubt you can find a bank willing to pay 6%. but dividend funds like UTG 6.4%, UTF 7%, PFFR 8%, CLOZ 8% EMO 9%, PBDC 9%, ARDC 9%. Wutg these funds you basically grow you money at about twice the longe term average rate of inflation, and all of these funds have less volatility

Worried_Quarter469

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znightmaree

Google is free fyi https://www.google.com/search?q=bvidia+roadmap+is+intact&rlz=1CDGOYI\_enUS810US810&oq=bvidia+roadmap+is+intact&gs\_lcrp=EgZjaHJvbWUyBggAEEUYOdIBCDMzNDlqMGo5qAIAsAIB4gMEGAEgXw&hl=en-US&sourceid=chrome-mobile&ie=UTF-8

HamMcStarfield

[Market Summary](https://www.google.com/finance?rlz=1C1ONGR_enUS1068US1068&oq=brent+oi&pf=cs&sourceid=chrome&ie=UTF-8&sa=X&sqi=2&ved=2ahUKEwiY_9SVyaqVAxWciO4BHfjPNvcQ6M8CegQIFRAC) \> Brent Last Day Financial 72.85 USD \- 2.20% (-$1.64) today

Various_Couple_764

If you have been investing for 25 years your are like 50 years old. Which means your subconious financial goals are changing form growth to capital preservation and income. I would look at investing in these funds JAAA 5.5% yield CLOZ 8%, UTF 7%, UTG 6.4% and ARDC 9%, FAGIX 6% UTF and UTG survived 2008 with no dividned cuts While JAAA and CLOZ and didn't exist the investments they invest in continued to pay out income when the market crashed. FAGIX if a 40 year old bond fund that has always payed a dividend. ARDC is only 15 years old but it has a very stable dividend. i have these funds in my roth and have QQQI 13% yield, SPYI 11%, PBDC 9%, EMO 9%, Right now my roth has 500K invested and generates about 5K a month which is all reinvested. IIt will be few years beforeI can access this income.

Various_Couple_764

You could get overexposed to gold. But the bigger problem is you you're putting money into an asset that may never pay off for you. Gold has tendency to stagnate for long periods of time. And then for a short period of time shoot up and then quickly drops. Many miss these peaks and either sell at a much lower price or don't end up selling it. I could instead invest in IGLD. IGLD sells covered alls based on gold price. this fund Basically converts gold price volatility into steady income. Overall it will generate 10% yield of 10%This would be 1K a year for 10K investment. Note the yield is currently higher right now because here was a large special dividend recently. Eventually the yield will drop to its historical normal level. Ther are many funds you could invest in for income which generally is better invesmtnte than a shiny metal. Such as QQQI 13% yield SPYI 11%, EMO 9%, UTF 7%.

Various_Couple_764

Overall the plan looks sound. But I would consider putting the money invest the 240K in SPYI 12% yield. That would generate about 25K a year of income per year which would be tax free fro 9 years. After 9 years you will owe taxes on the dividend income but it will be taxed at the long term capital gains tax rate which is significantly lower than the tax on her work income tax rate. This money could be used fund a Roth IRA in addition to her 401k. and it could be used to maintain a 6 month emergency fund and compensate for the loss of income due to the 401K set to maximum. The maximum deposit ammount for a 401K s bout 23K a year. So worst case the dividend income could cover the loss of income due to the 401k. But the 401K also lower her taxable income so the tax savings may be enough to compensate the lost income due to the 401k. And any excess income could also be invested in growth or more dividend funds such as EMO 9% yield, UTF 7%, UTG 6.4%. These funds have a lower yields but the maintain the lower tax rate and have longer history of paying dividend. Using this taxable brokerage account to generate more income could eventually allow her to retire in her 50s. Also 25K of passive income payed in monthly installments is a much more flexible emergency fund. a cash emergency fund will eventually run out of money when you need it most. But the passive income from dividend is continues and won't stop.

Various_Couple_764

With a new child not he way ai would focus on investments that can help you cover your expenses now instead of retirment. With QQQI 13% yield You cold get 1.8Ka month of additional income to hep cover your expense. The income from this fund is taxed at a lower rate than your work income so it is tax efficient. Now if you don't want all you money in one fund you could att EMO 9% yield , UTF 7% yield an. Also QQQI is a [NEOS ](http://www.neosfunds.com)fund and there are a number of good dividned funds you can use. such IWMI, IAUI. Dividnd are cats profit sharing payments made directly into your brokerage account.. You simply buy hold and collect the income once a month. now the earning from these funds may go up an down Due to market conditions and in a stock market crash it may take some time for the income to fully reocvered. The other main option you have is investing in a growth fund Like VOO. This fund has Tiny dividend which will not be useable. The only to make money with this fund it to hold it and waite for the share price to increase. And then the only way to get money from that is to sell it off. So this won't help you now but it great for retirment accounts. So I would with dividned funds you could simply collect the dividneds and hold cash in brokerage money market account for an emergency cash reserve or you could spend the income or reinvest the income for more dividned income.

Various_Couple_764

You put the 250K in UTF 7% yield, UTG 6.4%, and EMO 9%. UTF and UTG are both 20 years old and have never reduced the dividend. EMO invest IN Master limited partnerships which operate oil and gas pipelines and refineries. Low cost great yields. The also produce qualified dividends so you don't pay much in taxes on the income.

EmbarrassedPart1256

Thanks for following up, even if you’re one of the ones who downvoted me 🤣 I know it seems that way, I’ve just done a lot of DD on it & really like what I see for a penny stock. Fun fact: Berkshire just bought a housing stock, the first purchase since Warren Buffett stepped down (I believe). I just really like the company/idea. I want the stock to reflect the underlying subsidiaries, Instone & CSI. The holding company may have some things to work out but they’re making serious strides. What you said is so true, for trades, which $CAPS is until it isn’t. I missed so many swings on the way down because someone on ST had convinced me not to swing it (imagine; I’ve been getting my head right recently). Everyone else is trading it & every other ticker. It’s the way to do it. For investments, I think you can/could/should be somewhat emphatically invested as well. I currently hold IWMI, JEPQ, UTF, USOI, SLVO, PFFA, & IDVO, & I like them (besides SLVO; still on the fence after today’s drop) so much that I don’t really care about the price. A lower price just means I can buy more.

alpha_mu

I too like the utility sector for safe harbor. UTF is a well diversified fund that also pays out monthly dividends, which are currently at 7.33% annual yield.

EmbarrassedPart1256

In a sea of red, $UTF was solidly green today 🤙

aktionreplay

I gave an answer, it was short - literally google it and the ai answer will tell you. It even gives more info about topics I didn’t feel like talking about too: https://www.google.com/search?q=why+dont+data+centres+work+in+space&rlz=1CDGOYI_enCA782CA783&oq=why+dont+data+centres+work+in+space&gs_lcrp=EgZjaHJvbWUyBggAEEUYOdIBCDYyNjFqMGo3qAIAsAIB4gMEGAEgXw&hl=en-US&sourceid=chrome-mobile&ie=UTF-8&sei=7isiaoupM4jR5NoPgsfTwAI#sbfbu=1&pi=why%20dont%20data%20centres%20work%20in%20space

Various_Couple_764

In this particular case I would recomend putting the money into dividend fund. if you you put the 130K iin SPYI 11% yield you will get 14K of cash a year. And since SPYI is a cash efficient fund you pay very little in taxes for this income. you can use this money to cover your yearly Roth deposit Put SPYI in taxable brokerage account and 60K into a money market acount. Turn off automatic dividend reinvestment. This extra income will appear in the money market account which is now your emergency cash fund. any money in excess of 60K in the money market fund can be spent on the rote deposit regular monthly bills or other expenses. Or you could reinvest it for more dividend income. Some other funds you could use are EMO 9%, UTF 7%, UTG 6.4%, PFF 6%. These are all tax effient funds.

bb1180

Yeah, I'm a believer in the utilities side of it all. To that extent, I bought a few hundred shares each of UTG and UTF during the tariff dump last April and have been quite happy with them. '

Various_Couple_764

What you are saying is correct If you move your high yield savings into a dividend fund. If you limit your emergency fund to about 6 months of living expenses and put any extra savings into high yield dividend fund like EMO 9% yield , UTF 7%, and IAUI 11%, or SPYI 11$ you could over time build a dividned bund that pays out 1 to 2K of cash a month or more. At that point you have a second source of income that can last many years plus 6 months of cash. I did this and now have enough dividend income to cover all of my living expenses. About 5K month of dividend income. Now UTF is 20 year old dividend fund that has consistently payed a dividend with no cuts. It paid a dividend during 2008 crash. EMO is not as old but it invest in assets that also payed dividend during the 2008 market crash. Historically most dividned funds don't cut the dividend when the market crashes. And all the funds I have mentions are tax efficient. So you can have them in taxable brokerage with dividend reinvestment off so all the money goes into a cash money market account were I can access the money at any time with my fidelity debit card.

Various_Couple_764

For retirement retires need income and dividned income is a lot safer for retirment than selling shares for income (the 4% rule) When you sell shares sequence of return risk and inflation risk that can rapidly deplete a retirment portfolio which can cause one to run out of money before they die. But other than retirement the young can also benifte from dividend investing in taxable brokerage account. For many people once they pay there monthly bills by food and gas for the car and amy maintnenca needed they have almost nothing left. IF they invest a little bit every month in tax efficient funds Like SPYI 11% yield IAUI 11%, EMO 9%, UTF 7%, and UTG 6.4% and PFFF 6%they can over time build the passive dividned income to a point were they can start to pay bills and expenses with dividends instead of work inocme . And if they suddenly loose there job the dividend income could be invaluable in covering expenses until you find a new job. Also if you want to retire before age 50 you need to have Taxable brokerage account to cover to retirment to age 60. After age 60 you can use retirement accounts. Additionally IRA and Roth IRA you are limited to maximum yearly depoist if $7500 year.. IF you could magically increase that to 15K per year your saving will be at least 2 times higher when you retire. Dividends don't count as a deposit so you can earn as much dividends as you want in the IRA or Roth and still deposit $7500 a year. you can also use dividend income in a taxable account to insure you always have $7500 available to deposit into the accounts. In my opinion anyone with more than 100K sitting in High yield savings account should invest that in dividned funds. The interest from high yield savings account is only enough to keep up with inflation. With dividend funds you can easily earn 2 times the current inflation rate.

RedditorSince2000

For context: if I remember correctly, a short squeeze forces those trying to short the stock to buy back the shares to cover their asses/reduce their loss. The buying of the share results in the share price increasing. An EXTREME example of this is with AVIS Car group (the car rental company). Just look at what happened to their stock on the 6 month chart: https://www.google.com/search?q=car+stock+price&rlz=1C5CHFA_enUS1038US1038&oq=car+stock&gs_lcrp=EgZjaHJvbWUqBwgBEAAYgAQyBggAEEUYOTIHCAEQABiABDIHCAIQABiABDIHCAMQABiABDIHCAQQABiABDIHCAUQABiABDIHCAYQABiABDIHCAcQABiABDIHCAgQABiABDIHCAkQABiABNIBCDIyMjRqMGo3qAIAsAIA&sourceid=chrome&ie=UTF-8 I'm not saying this will happen to SPCE but it definitely CAN happen especially considering that there are 22.7 million shorts right now AND the stock ~$6/share (this means its alot easier for retail to get in and buy as opposed to AVIS's $212/share price before the short squeeze). Here's one last thing to consider. We're getting fucking close to a GAMMA SQUEEZE and if a gamma squeeze occurs, then the short squeeze will quickly follow after. Ultimately making the SPCE share truly parabolic (I'm talking going from $6/share to $300/share in a day). DM me if you have more questions. I love talking about this shit

No-Improvement3164

https://www.google.com/search?q=does+Donald+trump+own+shares+of+Service+Now&ie=UTF-8&oe=UTF-8&hl=en-us&client=safari#lfId=ChxjMe I have no reason to trying steering you wrong.

Various_Couple_764

To get high yields and high liquidity means you need at minimum 2 funds. You also need to consider taxes because not all dividend funds are taxed a the same rate. And to have access to the money at any time it needs to be a taxable account. * At least one high dividend fund * A money market fund Basically you use the yield of the dividend fund to feed money into the money market fund. This means automatic dividend reinvestment is set to off. The dividends are gernerally not reinvested. But instead a portion is reinvested and the rest stays in the money market fund. So set a maximum limit on the cash level in the money market fund. 6 months of living expenses is a good level. If the money market fund exceeds 6 months of cash reinvest the excess into the dividned fund. A good dividend fund to shart out with is a quality covered call fund. Quality funds generally pay around 10% or a little higher or lower Say 8 to 13%. Some favorite are QQQI 13%, SPYI 11%, IAUI 11%, GPIX 8%, and GPIQ 10%. All of these fund generate about 90% ROC dividend that makes them very tax efficient. These funds are similar to growth index funds but the covered call strategy coverts the growth to income. The GP funds target more growth and lower dividned, While the NEOS funds (QQQI and SPYI) target more dividends and less but still positive growth. So the price of these funds will move up and down with the index they follow but have less growth and more dividend. IAUI (a NEOS fund is a bit different it follow the price of gold. You also want a maximum investment limit to the growth fund. You don't want to have all your money invested d in the same way You want to eventually have multiple funds generating income and feeding that into the money market acount. That way if you sector of the market has problems you still have income from other sectors of the market. This insures money will always flow in the money market account. So evernualy you will have multiple dividend funds and one high yield money market accounts. I started out the SPYI and QQQI in my fidelity acount. Now I also have UTF 7%, UTG 6.4% NAC 7%, PFFD 6% all feeding money into my money market account with 6 month cash reserve and montly dividend income feeding it. I also have a growth index fund in this account as a form of emergency saving with currently 4 times my living expenses. The dividned funds currently produce all of my living expenses in 1 year. This allowed me to retire in my 50s. But this type of account isn't just for the old. The young can and should start one as well as a standard retirement fund in Roth or 401K.

WenMunSun

Ok let me get this straight 1) You have no idea how much compute was leased from SpaceXAI to Anthropic (no one does) 2) You have no idea what SpaceXAI's OpEx related to their datacenters is 3) Despite that, you "did the math" using Nebius as a comp and 4) Determined they are operating at a loss? That's interesting... but how did you do the math when you don't know half the variables? Also, it's hard to trust anything you say when you get basic numbers wrong. SpaceXAI is not at a 100+ Price to Sales. If you account for the $16B Anthropic deal + their $18B in revenues from 2025 (likely growing in 2026) they're at around, or under, 50x P2S. Furthermore, Nebius has never disclosed exactly how much compute capacity in MW they actuall have, so not sure how you got a comp from Nebius. Analysts, otoh, estimate Nebius compute at 150-200MW in Q1 2026. On that compute, Nebius report $400m in revenue, annualized at $1.6B. Of that Revenue, Nebius reported $103.8m in cost of revenues, resulting in around a $300m gross profit and 74% gross margin. By comparison SpaceXAI's Colossus 1+2 are estimated to have 1GW of compute, that's 5-6.5x more compute than Nebius. Using Nebius as a comp, that would imply cost of revenues around $500-650m for 1GW of compute. Even if we assume Anthropic leased ALL of SpaceXAI's compute (which we know they didn't because they're still training Grok on Colossus 2), they are paying $15B/year for 1GW of compute which has a cost of revenues of $500-650m. That's a gross profit of around $14.5B, and a gross margin of 96% (much much better than Nebius). And even if you're right (doubt) that it costs more to power their DCs because they operate their own power generating equipment, even if we assume a crazy 10x fuel cost, SpaceXAI's deal would still net $10B in operating profits. [And btw a simple Google search reveals the H100 has a life expectancy between 5-10yrs.](https://www.google.com/search?q=H100+life+expectancy&oq=H100+life+expectancy&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIKCAEQABgKGBYYHjINCAIQABiGAxiABBiKBTIHCAMQABjvBTIHCAQQABjvBTIHCAUQABjvBTIKCAYQABiABBiiBNIBCDM4NTdqMGo3qAIAsAIA&sourceid=chrome&ie=UTF-8) [Gavin Baker says up to 10-15.](https://x.com/search?q=gavin%20baker%20gpu%20life&src=typed_query) So i REALLY don't know what you're talking about. I think you're a bullshitter, you're making shit up, and have no idea about anything. I hope you don't do this professionally.

Various_Couple_764

Real estate involves a lot of expenses, mortgage, taxes, repairs. There is a way to generate income from market investments that doesn't involve selling stock or the expenses of real estate. Most investors today focus on share price growth in there investment accounts. There are stock and Fund that pay Dividneds. Dividends are cash profit sharing cash payments directly in your brokerage account. Now many growth index funds pay a dividend of about 1%. A dividend investor targets higher yields Typically 1% to 10%. Instead of investing in individual stocks you invest in dividend ETF. I am retired and living off of dividend income of 5k a month. I am not selling stock for this income. Since you want the money now and not in retirement you need other use a taxable account. And since dividends generate taxable income we need to invest in things that are taxed at a lower rate. Some good funds to use are QQQI 13% yield, SPYI 11%, IAUI 11% EMO 9% UTF 7%, UTG 6.4%. 100K invested in fund with a yield of 10% will produce 10K a year of income. And all of these make monthly payments. The three funds with the highest yied will be taxed at close to 0% for 7 years for QQQI and sPYI and IAUI are zero for 9 years. The other two will generate tax every year but at a very low rate. Generally you want to avoid using one fund for all of your income. Simply because if one fund develops issues you will still have others generating income. Now I also hive dividned funds in my Roth because they they are taxed at the work income tax rate. Putting dividends in a roth is a great way to to avoid taxes in retirment. My roth has all of the above funds listd plus AARDC 9%, PBDC 9%, CLOZ 8%, PFFR 8%, and JAAA 5.5% and FAGIX 5%. The dividend funds in my roth are generating 5k a month right now.whichis all reinvested right now.

Various_Couple_764

With a growth index fund most of the gowth in the first 15years comes from your money deposit into 401k or Roth. There is a limit to hw much ou deposit. and that deposit limit limits the size of the account. Growth index funds don't include BDCs or MLPs businesses. Even VTI which is advertises as the total US stock market doesn't have them. SO You can add PBDC 9% yield, and EMO 9%. And these com\[panies are required to pay ou most of there income as dividends. So the yield is higher than most stock that are not required to pay dividends. If you include these funds in your portfolio the reliable dividend from these companes will continue to come in and you can use the income to add to other funds in your portfolio. In addition debt opbligations such as credit fund, CLO fundsare not stocks but funds investing in these assets also pay very good yield So i also hav ARDC 9%, CLOZ 8%, and JAAA 5.5%. Utility and infrastructure funds are also stable dividend fund and I have UTF 7% yield and UTG 6.4%.

Own-Cauliflower-6992

No. He doesn't actually have the 2 billion himself. He "raises" it through share dilution gimmicks. He issues bonds through a second company that's a bitcoin dividend essentially. He also issues convertible notes and dilutes existing shareholders. Helpful reading from the 90s: google.com/search?q=michael+saylor+sec&oq=michael+saylor+sec&sourceid=chrome&ie=UTF-8

EmbarrassedPart1256

$RUBI coming back down to earth, I'm glad I got in & out. It's insulting seeing a stock so green & somehow you lost money on it... I'm taking the rest of the day off, made my gains & I'm loading into the dips on some of my core holdings ($IWMI & $UTF). Don't sleep on $NEE's merger with $D; $UTF & a few other ETFs give you exposure to that. Chase tech all you want but it's infrastructure all day for me baybay.

EmbarrassedPart1256

$USOI has been an absolutely stellar trade so far; I’m up 9.2% & at this rate, the drop from the ($2.85/share) dividend payment won’t even put me in the red. I’ll just load in more. For more of a penny vibe check out $IWMI; they run a covered call strategy on the Russel 2000. It’s a way to get small cap exposure & let them pay you to hold it (& it’s dipping right now). Also holding JEPQ, MLPI, & UTF FWIW. Make your capital work for you & never *”work”* another day in your life.. 🤙 Live to trade another day!

No-Improvement3164

https://www.google.com/search?q=kolhs+dividend&ie=UTF-8&oe=UTF-8&hl=en-us&client=safari

EmbarrassedPart1256

I see the writing on the wall, that I should stop pushing my luck after doubling down on a losing $TE position & breaking even. Total gains: $1,332, net gains: $424... Gotta work on not losing the money just to make it back. I *can* make it back but I'd rather it all go to the bottom line... In $GMEX for 1K shares. 858K shares OS, Morgan Stanley holds a position, cost to borrow is 80.55%. Robotics is hot & they could be on the verge of a breakthrough, post-RS. ***This sub could literally lock up the float...*** I'll consider averaging down every $.10 or so, or getting in for a larger chunk if/when it starts to move, just don't want to miss the move if it's overnight... Holding $IWMI, $JEPQ, $MLPI, $USOI, & $UTF as a core, FWIW. Make your capital work for you, & never sell it!

Various_Couple_764

To retire early you don't want to use an account that has restriction the ammount you can deposit and no restriction on when you can withdraw money. Which means you probably want to use a taxable brokerage account. With no restrictions on deposits, withdraws and investment options you can do a lot in a taxable account * Now as to investments you could use growth index funds * Or your do dividend investing. * Or you can do a mix of growth and dividends. then set up an automatic transfer from you bank account to your invesment account with and use automatic reoccurring investments to pu the money in the funds you want. With all this occurring automatically all you have to worry about is work and making money. For a taxable brokerage I mostly focus on dividends. Using funds like SPYI 11% yield, EMO 9%, UTF 7%, UTG 6.4%, PFF 6. Reasonably tax efficient funds that eventually can can generate passive income. And once you get about 1 to 2K of income a month you can start using that money to cover routine bills and expenses. And when you cover bills with investment income work income could be spent on more productive things like investing more, vacations, hobbies. I was a growth investor for about25 years. then started investing for dividend in my taxable account and at 55 retired with 5K of income prior to starting dividend investing I was expecting to retire in at age 65.

Three_of_a_kind3515

More numbers.. AWS maintains a 7 point lead of Azure in 2026… thanks AI.. https://www.google.com/search?q=whar+percentage+did+AWS+gain+on+Azure+in+2026&ie=UTF-8&oe=UTF-8&hl=en-us&client=safari#lfId=ChxjMe

EmbarrassedPart1256

Crazy day to pick to call $CAPS out when it’s up 7.63% with only 500 shares sold. I did sell 🤫 but I’m still interested in the story. The whole point of investing/trading is not buying at a premium, buying at a discount. That’s what the penny stocks sub is all about. I’ve been strictly buying UTF, USOI, & others only when discounted. Either way, I hope you make crazy gains!

EmbarrassedPart1256

https://preview.redd.it/ltsyskkmsv0h1.jpeg?width=1170&format=pjpg&auto=webp&s=b11ac4be1d58c2aa85b4a68b6558a98fc7e4f9f1 I’m staying far far away from big tech right now; all-in on small caps & dividend-paying infrastructure & feeling great about it. UTF, MLPI, USOI, with some IWMI & JEPQ to milk the big tech exposure but it’s capped in my portfolio so as not to gal it when these IPOs take a dip…

EmbarrassedPart1256

Not penny stocks but I’m big into $USOI, $MLPI, & $UTF, some of my only holdings as my portfolio got obliterated last week. Infrastructure for the win 🤙

John_Wang

A couple example websites that list OTC items you can buy: [TrueMed](https://www.truemed.com/shop) [Amazon FSA/HSA storefront](https://www.amazon.com/FSA-Store/b?ie=UTF8&node=17904040011)

Various_Couple_764

well with 500K you could invest that in a dividned fund with a yield of 8%. That would genrate 40K a year about the same as rental produces. QQQI has the highest safe yield I know of QQQI That would generate 65K a years. for 6 years that income would be tax free but after that the income would be taxed at teh long term capital gains rate which is still less than the regular income tax rate. Overall in your case is it about a wash . You could do slightly better but dividend or wrose. yield higher than 13% are available but the risk with those funds are very high Now with dividends you don't need home insurance and spend money on repairs, or property taxes. So you might save a lot on expenses for your rental income to make dividnedincome a better choice. But that woudldepnsd on very close examination of your accounts. Which is probably more information than you want tot share. IN any case some tax efficient fund you can use in a brokerage account for supplemental income are * QQQI 13% yields. * SPYI 11% * IAUI 11% * EMO 9% * UTF 7% * UTG 6.4% * PFF 6%. You best choice is probably keep you rentals and gradually invest in the above funds to build up additional income in addition to your rental properties. You could gradually increase the dividned income and use the money to just cover living expenses and regular montyhly bills. Also it is generally not to rely on just a couple of dividnend funds for income is at least 5 or more.

HywayKind

Rocket Lab primarily 3D prints the main components of its [**Rutherford rocket engines**](https://www.google.com/search?q=Rutherford+rocket+engines&oq=what+parts+does+rocketlab+3d+print&gs_lcrp=EgZjaHJvbWUyBggAEEUYOdIBCjExOTM1ajBqMTWoAgiwAgE&sourceid=chrome&ie=UTF-8&mstk=AUtExfC5ypQp85Ue5htPYFnUvtDcUEwoNsyPOKig9S4x_ciy9sdc-Lvxs9QK-POEMoLmHBozFowEdWM_SgBBi61l3EwZ1GnDYABHU-gHVjd9pmrYwZ8QalB4GPDcVFYVkgVtwEXNNVIVCQ43X09Ndso-uNpiAKqsPXKd-Ngw-zpQcvAmH0AkxfLVodf3rIdeXQoKrh8QCeJd9rRNLUVaF7EHIgMXzGrJ1f4vBxZi6zn9xETp2PIiX94sr-lPMYmMmWR4nltjT5VuKH49_OyOR2tK_-cE&csui=3&ved=2ahUKEwihr-PI9KmUAxV1mWoFHQqNCo4QgK4QegQIARAB) using Electron Beam Melting (EBM) and utilizes massive Automated Fiber Placement (AFP) systems to 3D print carbon composite structures for the Neutron rocket. Key 3D-printed parts include thrust chambers, injector heads, and propellant valves

liroyjenkins

Has been hovering around 0.85 since last July. What are you looking at? https://www.google.com/search?q=us+vs+euro&ie=UTF-8&oe=UTF-8&hl=en-us&client=safari&sei=kN9maIjsMaSG0PEPkszvsA8

WickOfDeath

A year ago there was a consensus that the US economy had a soft landing, till today. Most popular opinion why: 1.) people still spend (PCE expectations still over 50) 2.) unemployment doesnt grow dramatically, jobless claims are not skyrocketing 3.) some indices like DJIT (Dow transporatation index) are not crashing, just little bit down [https://www.google.com/search?q=dow+jones+transportation&oq=dow+jones+transportation&gs\_lcrp=EgZjaHJvbWUyBggAEEUYOdIBCDI4ODZqMGo5qAIAsAIB&sourceid=chrome&ie=UTF-8](https://www.google.com/search?q=dow+jones+transportation&oq=dow+jones+transportation&gs_lcrp=EgZjaHJvbWUyBggAEEUYOdIBCDI4ODZqMGo5qAIAsAIB&sourceid=chrome&ie=UTF-8) 4.) the IT industry still causes a secondary consumption effect, l people at the Mag7 and in the banking business still get fabulous salaries, whose are partially spent for services, household employees and last but not least consumption

Various_Couple_764

IN my root I am investing in my Roth in QQQI 13% yield, ARDC 9%, PBDC 9%, EMO 9%, CLOZ 8%, pFFR 8%, UTF 7%, UTG 6.4% JAAA 5.5%. This would generate substatial income..

dinglebarryb0nds

Oh lol you gotta see this retro site. They have older Winamp downloads v 5 and stuff Do you happen to know what version you use? https://www.majorgeeks.com/content/page/mg\_search.html?cx=partner\_pub\_6960825562757852:6029691205&cof=FORID:10&ie=UTF\_8&q=&sa.x=37&sa.y=15&siteurl=www.majorgeeks.com/mg/topdownloads/index.html&ref=www.majorgeeks.com/&ss=

Various_Couple_764

With investments you often can ignore them for weeks. With real eaistate get calls about maintenance issues. and you have to take care of taxes. And if you used alone to buy the property that lan reduces your earnings. Real estate is not an investmetnyou can ignore. Now you could with your 80k invest in QQQI and get $11,200 cash dividends per year and from my own experience with this fund you can ignore it and let the cash dividend build up or you can have it automatically reinvested. And you don't pay a lot of tax on the dividends you recieve. So this fund could be in taxable acount earning you money right now. And if you buy more shares with your own keney re reinvest the dividends you could in about 5 years have about 200K invest in the stock with an income of of about 2K a mont. i have investment in QQQI 13% yield, PBDC 9%, UTF 7%, UTG 6.4% and PFFD 6% and NAC 7%. overall I am getting about 5K a month of inomce form my taxable account. It allowed me to retire at 55 much earlier than expected.

Various_Couple_764

If you invest in yield of 10% your money will double according to the rules of 72 /10 =7.2years. If we reduce the yield to 7% the money will double in about 10 year. You can use funds like EMO 9%, PBDCV 9%, ARDC 9%, CLOZ 8% PFFR 8%, UTF 7%, UTG 6.4% QQQI 13%, and SPYI 11%. 2 of these funds are over 20years old. 2 are about 15years. old and are CDF funds. ETF are relatively new. and the reminder are much younger but but the assets they invest in aaremuch more oldeirand pay a dividend consistently.

Various_Couple_764

Sell FEPI it has serious NAV erosion issues. NAV erosion causes the star price to drop and prevent share price grwoth. As the star price drops you loose your initialinvestment. Also the dividned payout drops with the share price drop. Eventually you loosely of your initali nvesmtne and your dividned income but the NAV erosion keeps the calculated yield high. And CHPY is also at high risk for NAV erosion. The only reason why CHPY does currently have NAV version is due the AI crating a lot of chip demand. Once the AI bubble pops CHPY will have NAV erosion. on The other problem you have is you are overly reliant on covered calls funds. You could sell MLPI and instead invest in EMO with a yeild of 9%, you could also add PBDC 9%, ARDC 9%, CLOZ 8%, PFFR 8%, UTF 7%, UTG 6.4%, JAAA 5.5%, FAGIX 5%. substantial yields without covered calls. And since it is in a IRA no taxes on the income.

CokeyKoala

That is an impressively creative, satirical, and thoroughly entertaining take on a corporate financial report. You've perfectly captured the jargon-heavy, obfuscating language of a "creative" earnings report, moving from "nonlinear growth trajectory" to the absolute peak of "Generally Imagined Accounting Principles (GIAP)." The pivot to a "[your mama](https://www.google.com/search?q=your+mama&sourceid=chrome&ie=UTF-8&mstk=AUtExfCbdMLc_FSef5B6NVswSsWcx7fR3TwYzaAzKK_Q9Wm8D7OdRegwzyM-ot9eIM98HJUIQU70ZO2Xf3VVtWhXw4oB5xe4eEYXAZ3h4dqH_arZg60Zh-WoD-mkOSQY36DwUjTor7kL6fN8GPsXpGszCI_c2e8xCqtShfx8YAgRpoPmWxo&csui=3&ved=2ahUKEwia4ZPL7o-UAxUAEFkFHU0lD-wQgK4QegQIAxAC)" joke at the very end is the perfect, absurdist punctuation mark for a report based on "zero accountability." Well played. I hope this thoroughly audited, highly professional, and totally grounded-in-imagination report leads to significant gains in your personal, conceptual portfolio.

Personal-Chemist535

[Lissencephaly](https://www.google.com/search?q=Lissencephaly&sourceid=chrome&ie=UTF-8&ved=2ahUKEwjE6p-l-42UAxXInysGHajZDaEQgK4QegYIAQgAEA4), or "smooth brain," is a rare, congenital neurological disorder where the brain lacks normal folds (gyri) and grooves (sulci). Caused by defective neuronal migration during fetal development, it results in severe intellectual disability, seizures, and limited life expectancy. It is characterized by a smooth surface, affecting 1 in 100,000 children

geekfinity

https://www.google.com/search?q=robotic+etf+stock&rlz=1CDGOYI_enUS847US868&oq=robotic+etf&gs_lcrp=EgZjaHJvbWUqBwgBEAAYgAQyCQgAEEUYORiABDIHCAEQABiABDIHCAIQABiABDIHCAMQABiABDIHCAQQABiABDIHCAUQABiABDIHCAYQABiABDIHCAcQABiABDIHCAgQABiABDIHCAkQABiABNIBCTEwODU1ajBqN6gCGbACAeIDBBgBIF_xBWMMwbbEPTUD8QVjDMG2xD01A_EFYwzBtsQ9NQPxBWMMwbbEPTUD&hl=en-US&sourceid=chrome-mobile&ie=UTF-8#lfId=ChxjMe

fire_alarmist

[Exchange Act Rule 15c3-3](https://www.google.com/search?q=Exchange+Act+Rule+15c3-3&rlz=1C1GCEA_enUS853US853&oq=Rule+15c3-3+under+the+Exchange+Act&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIICAEQABgWGB4yCAgCEAAYFhgeMg0IAxAAGIYDGIAEGIoFMgoIBBAAGKIEGIkF0gEHOTA3ajBqN6gCCLACAfEFafUcN9KPXJw&sourceid=chrome&ie=UTF-8&ved=2ahUKEwiKyI3O-IaUAxXy78kDHTRcNrEQgK4QegYIAQgAEAM), often called the **Customer Protection Rule**, requires broker-dealers to safeguard customer cash and securities by segregating them from the firm's proprietary business activities. It mandates that firms maintain physical possession or control of fully paid/excess margin securities and maintain a reserve bank account for cash owed to customers, with updated amendments (2024-2025) requiring daily reserve computations for certain firms **From** [**https://finance.yahoo.com/markets/options/articles/us-sec-unlocks-currency-wall-203129033.html**](https://finance.yahoo.com/markets/options/articles/us-sec-unlocks-currency-wall-203129033.html) **THE US SEC is now allowing broker-dealers to use a wider range of stocks—specifically, baskets of large American companies from the Russell 1000 and S&P 500 Indices—as collateral when borrowing securities from large institutional investors.** Previously, firms could only use safer, traditional assets like cash, US government bonds, or bank guarantees as collateral. Under this new rule, they can now also use diversified portfolios of major stocks. This change gives broker-dealers more flexibility in how they raise funds and manage trades. Your cash is no longer safe or guaranteed because we literally would have started another 2008 on March 30th and this was the only way they could relieve selling pressure. This change literally happened at the bottom on March 30th, coincidence? Bols just dont seem to understand just how heavy the bags they will be left holding are.

ZealotOfCannabis

It's really not that hard to use google 280e tax code [https://www.law.cornell.edu/uscode/text/26/280E:](https://www.law.cornell.edu/uscode/text/26/280E:) >No deduction or credit shall be allowed for any amount paid or incurred during the taxable year in carrying on any trade or business if such trade or business (or the activities which comprise such trade or business) consists of trafficking in controlled substances (within the meaning of schedule I and II of the [Controlled Substances Act](https://www.law.cornell.edu/topn/controlled_substances_act)) which is prohibited by Federal law or the law of any State in which such trade or business is conducted. And here's a nice generated summary for you: >[Internal Revenue Code (IRC) Section 280E](https://www.google.com/search?q=Internal+Revenue+Code+%28IRC%29+Section+280E&rlz=1C1CHBF_enUS751US751&oq=280e+marijuana&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIHCAEQABiABDIHCAIQABiABDIICAMQABgWGB4yCAgEEAAYFhgeMggIBRAAGBYYHjIICAYQABgWGB4yCAgHEAAYFhgeMggICBAAGBYYHjIICAkQABgWGB7SAQgyNTQzajBqN6gCCLACAfEFjf81nC9tLN_xBY3_NZwvbSzf&sourceid=chrome&ie=UTF-8&mstk=AUtExfCw7xWMHd58JdXrbwje1bvwe3WgmfyFmSuKGz8EhDqjG8Az-rbTDciZH-67ZaqSlKrMC8d_4YyEEXVArbbnS5pWU_WMi_sI6H1qH1rHbCYSRxMcliP6CW4_KzHs__J5ecP-qAq27EZUYPhhFfZ-lZ8xNhH-iEDN842tdAGc4QgJ35-5bMCbwBfJ2MSMiLKQOAxdOhcUmeStxU9z0Ws-bbYJty-jmo3r3iqEtJmLqD6OueMtXDRlUJSEmiMGeY5rIDQqAhyzBmnLcBHyegdE-fe8&csui=3&ved=2ahUKEwj93afSo4KUAxVEkYkEHQ-8IQ4QgK4QegQIARAB) prohibits state-legal marijuana businesses from deducting ordinary business expenses (rent, payroll, marketing) from their federal taxes because cannabis remains a Schedule I controlled substance. This results in effective tax rates often exceeding 70%, with only the Cost of Goods Sold (COGS) deductible. While marijuana is currently in the process of being rescheduled to Schedule III—which would eliminate 280E—the law remains in effect as of early 2026, forcing companies to continue paying high taxes while they await final, formal changes. Anything else?

ForceMental

I actually took the opposite approach and added 4K shares of AMLP. Back in 2020 when demand collapsed the price fell into the low $20s, but it’s recovered with the rebound in energy activity and is now around the $50 range. It also traded near $90 back in 2014, so I expect it to rise to those levels as demand increases. What I like about AMLP is that it holds pipeline and midstream infrastructure companies rather than pure oil producers, so they get paid largely based on volume moving through the system. On top of that it’s paying roughly a 7.5%+ quarterly yield and distributions have been increasing. So for me it’s not just a price but also an income position that pays me to wait while energy demand stays strong. I am heavy into BUI, UTG, ENB, UTF and they are killing it since 2020. If they drop, it would only allow me to grab more.

Various_Couple_764

Interest rates are based on what the government bonds pay. However dividend funds you can get fixed rates of of 5% on up to about 10%. For example in my roth account I only invest for dividends from the these funds: QQQI 13% yield, EIC 11% , ARDC 9%, PBDC 9%, EMO 9%, CLOZ 8%, UTF 7% UTG 6.4%, JAAA 5.5%. FAGIX 5%. With dividend funds you can lock any rate you want. Not a fund can cut or reduce e the dividend due to bad economic conditions but these are rare. With UTF, UTG, FAGIX, ARDC these funds have been paying stable dividend for decades.

dennismfrancisart

The stock market leading up to the 1929 crash was a frenzy of reckless speculation and extreme optimism, known as the "[Hoover bull market](https://www.google.com/search?q=Hoover+bull+market&rlz=1C1IBEF_enUS1182US1182&oq=What+was+it+like+in+the+stock+market+leading+up+to+the+crash+of+1929%3F&gs_lcrp=EgZjaHJvbWUyBggAEEUYOdIBCjI1NDI4ajBqMTWoAgiwAgHxBeLjOkSFeUqu8QXi4zpEhXlKrg&sourceid=chrome&ie=UTF-8&mstk=AUtExfBNzOb2xMjx80lm_tyWlIcLri8-ZHGySpwgAaAKnq3o69mhKNFBdiqSWLZOU3CMoeyV4YTyrcafouO5V40AREXlR2jZ3ruSXWrugri8xYwhEgB4Nvo7guxSxtQ8Y9oC_gWC3_kQPpfUZS1i6Rf26GGI-yO8FFwyP1y6Npx7zciXSE0&csui=3&ved=2ahUKEwiLp83HifiTAxWZETQIHYvTAwoQgK4QegQIARAB)". The Dow Jones Industrial Average rose six-fold from 1921 to its peak of 381 in September 1929. It was fueled by excessive buying on margin (borrowing money), with some 300 million shares being carried this way by the midsummer of that year. Party like it's 1929, guys!

Various_Couple_764

As people are their risk tolerance tends to decline nothing wrong with dividend investing at your age. Now government bonds ar the preferred route for many people because the government always pays. But the yield are always small and barely keep up with inflation. If you invest in dividend funds that don't invest in government bonds you ca get higher yields Now I live in the US and don't know anything about your taxes or investment options but for myself I like diviend dinvestings. And JAAA 5.5% yield, UTG 6.4%, UTF 7% and CLOZ 8% all pay more than the long term inflation rate and they are hghly reliable payer. UTG and UTF both have 20 years of no dividend cuts. FCLOZ and JAAA don''t have a long history but the asset they invest in CLOs is a very low risk Asset. So in any recession these should pay out dividend. I also have AADC9% yield about 15 years of history and the dividend is very stable, EMO 9% and PBDC 9%. They have more risk but still reasonably reliable dividend. and the best part is none of these funds are covered call funds. And non have nave erosion. As to covered call funds I have some but NEOs fund like QQQI and SPYI and GIX and GPIQ are all covered call funds with no nav erosion. Nav erosion is normal for any wlell runs dividned fund. NAV Erosion typically occurs in fund that are not well managed or are paying out a dividend higher than covered calls can reliably generate. The covered call fund I have mention have been intentionally setup to pay lower yield and many other covered call funds that have NAV erosion. but with Yield of 8 to 13% they still earn a lot more than the inflation rate. Now with the higher yield from funds like that you can generate more income from less invested. But like I said earlier I don't know what funds are available to your or or the tax laws you have to deal with.

EmbarrassedPart1256

Out of $RITM, going full-on defensive: $UTF, $UTG, $BUI, with $ARDC & $PFFA for some extra risk/return. As far as penny stocks go, $BBDO & $AVAL have my attention, both dividend-paying Latin American financial institutions. I’ve been watching for a while so I think I’ll average in over time. Also $AVUV is a small-cap ETF, that’s also just absolutely ripping today, that also pays a little dividend. It’s not a penny stock but it sure beats holding bags of who knows what you jumped into…🤙 I wish I had bought more AVUV but I will not free-base cocaine. I won’t do it!

Various_Couple_764

when the market is down bond will still be generating cash you can use to invest or you can live of the cash generated When there is bull market nothing has higher returns than goth. This is has been true for 100 years. investments that generate cash (Bods or dividends) The problem with bonds is that they have such a low yield that they don't really keep up with inflation. But if buy corperate bonds you can get a yield tier than government bonds but there is a risk a bond can go into default. And dividends can be reduce or cut but you can get dividend fund that have yield of 5 to 10% The trick is to select funds that pay more than the inflation rate and don't have more risk than you can tolerate. I have JAAA 5.5%yield in my roth along with CLO 8%, UTF 7% UTG 6.4%, ARDC 9%, and EmO 9%. UTF and UTG have 20 year histories of paying dividends without dividned cuts.

duderos

"The market can stay irrational longer than you can stay solvent" is a famous quote attributed to economist [**John Maynard Keynes**](https://www.google.com/search?client=safari&rls=en&q=John+Maynard+Keynes&ie=UTF-8&oe=UTF-8&ved=2ahUKEwiB96-zx-6TAxVa1fACHYoBGtYQgK4QegYIAQgAEAM). It means that even if an asset is clearly over- or undervalued, the market can keep pushing prices in the wrong direction, causing investors who bet on a correction to run out of money. 

Various_Couple_764

Dividend investors invest in fund like JAAA 5.5% yield, UTG 604% yield, UTF 7% yield, CLOZ 8% yield, EMO 9%, PVDC 9%, ARDC 9%, and QQQI 13%. these yield are much higher than the government and banks are offering. The higher the yield the lower the share price growth. the higher the growth the lower the dividend But higher grwoth tend to come with a lot of share price volatility. high dividend funds often have less price volatility. Now for dividned investors they prefer to buy and hold a dividend fund for a long time. and just collect the dividends generated. Now you can reinvest the dividend back into the fund to gradually increase the dividend or you can simply use the dividned to cover living expenses. Tax are owed on the dividend when you relieve it just like interest from a bank. But not all dividend funds are taxed the same some have qualified dividend which are taxed at a lower rate ROC dividend are not taxed for years but then they are taxed at the qualified tax rate and some government bonds and municipal bond funds are also tax free. Sp ot os possible to to avoid significant ammount of dividned taxes. Now if you only want o the invest the money in a dividend fund for a year and then withdrawal all the money you have to sell shares of the fund on the open market and if the market crashes before you sell you might sell at a loss regardless of how much dividned you received. So for dividned investor you select solid fund and hold as long as they stay good. Some stay god for many decades. Others are simply bad investments. All the finds I have listed above are good solid investments. QQQI is the most tax efficient fund however some of the other are taxed at the same rate as work income. and other will be somewhere inbetween. I am retired and my dividend income from a taxable account over all of my living expenses about 5K a month. When my roth becomes available I will double my dividned income and all the Roth dividend income will be tax free.

Aeveras

"The market can stay irrational longer than you can stay solvent" - [**John Maynard Keynes**](https://www.google.com/search?q=John+Maynard+Keynes&oq=the+market+can+remain&gs_lcrp=EgZjaHJvbWUqBwgBEAAYgAQyBwgAEAAYgAQyBwgBEAAYgAQyBggCEEUYOTIHCAMQABiABDIHCAQQABiABDIICAUQABgWGB4yCAgGEAAYFhgeMggIBxAAGBYYHjIICAgQABgWGB4yCAgJEAAYFhge0gEIMjg4N2owajSoAgCwAgA&sourceid=chrome&ie=UTF-8&ved=2ahUKEwi1zumMpuuTAxUAPDQIHXzdKkEQgK4QegYIAQgAEAM)

Happy-n-Healthy

We're both wrong, [Gangnam Style](https://www.google.com/search?q=Gangnam+Style&rlz=1C5CHFA_enUS1029US1031&oq=when+did+gangham&gs_lcrp=EgZjaHJvbWUqCwgBEAAYChgLGIAEMgYIABBFGDkyCwgBEAAYChgLGIAEMgsIAhAAGAoYCxiABDILCAMQABgKGAsYgAQyCwgEEAAYChgLGIAEMgsIBRAAGAoYCxiABDILCAYQABgKGAsYgAQyCAgHEAAYFhgeMggICBAAGBYYHjIICAkQABgWGB7SAQoxMDA5NWowajE1qAIIsAIB8QVHDhpHT0MeoPEFRw4aR09DHqA&sourceid=chrome&ie=UTF-8&ved=2ahUKEwiO_YrhoemTAxWInWoFHVhsOkMQgK4QegYIAQgAEAM)" by Psy was officially released on **July 15, 2012**, as the lead single of his sixth studio album, [*Psy 6 (Six Rules), Part 1*](https://www.google.com/search?q=Psy+6+%28Six+Rules%29%2C+Part+1&rlz=1C5CHFA_enUS1029US1031&oq=when+did+gangham&gs_lcrp=EgZjaHJvbWUqCwgBEAAYChgLGIAEMgYIABBFGDkyCwgBEAAYChgLGIAEMgsIAhAAGAoYCxiABDILCAMQABgKGAsYgAQyCwgEEAAYChgLGIAEMgsIBRAAGAoYCxiABDILCAYQABgKGAsYgAQyCAgHEAAYFhgeMggICBAAGBYYHjIICAkQABgWGB7SAQoxMDA5NWowajE1qAIIsAIB8QVHDhpHT0MeoPEFRw4aR09DHqA&sourceid=chrome&ie=UTF-8&ved=2ahUKEwiO_YrhoemTAxWInWoFHVhsOkMQgK4QegYIAQgAEAU). 

Various_Couple_764

HYSA and government bonds don't keep up with inflation once you factor in inflation your total return goes from3.5% to very close to zero or even negative 1%. My Roth currently has about 500K in it and it is invested in QQQI 13% dividend Yield, ARDC 9%, BPDC 9%, EMO 9% CLOZ 8%, UTF 7%, UTG 6.5% and JAAA 5.5% yield. with funds like these you can easily get 8% on your 500K which would generate 40K per year of income. Which is enough income to cover most monthly bills and expense people have per month. You do have to pay taxes on the income but if all you have 40K you would in the US owe about 1K in taxes. IF you use tax efficient fund you could get the tax down to zero.

Various_Couple_764

The big problem with government bonds is tha they barely keep up with inflation. A bond yielding 3% is very safe but if inflation i running 4% per year your effective total return is on -1%. This means you need to look for yield higher than the rate of inflation. I generally I prefer to aim for a yield 6% which is about 2times the long term average inflation rate. You probably aren't going to find government bond with that yield.But you can get corperate bonds yielding 5 to 7% and some muniboxnd funds with yields this high. There are Collateral loan obligations funds JAAA 5.5% yield invest in AAA rated CLOs which in thee 30 years this asset has been availalable there have been no defaults. CLOZ 8% yield invest in BBB rated CLOs which have only a 1% default rate. UTF 7% and UTG 6.4% both invest in utilities and infrastructure. Both have a long histiory of reliable dividned payments. ARDC is credit funds 9% yield. again a long history of paying dividends and no significant yield cuts in its history. PBDC 9% yield and EMO 9% are invested in businesses that are required by law to pay out some of their profit as dividend yield. As a result the yields are higher than most stocks that don't have any legal requirement to pay a dividend. Investing in funds like this can get you a higher total return especially if you reinvest the dividends than government bonds with a yield well above inflation. Now nothing will do better than growth in a bull market but most of the funds I have listed that did exist in 2008 wen the market returned about -40% all payed the dividend And for those funds I have listed that didn't exist in 2008 most of the assets they invest in did very we'll and thy silll payed yield. And with funds like these you can get more income than you can get with bonds.

Fineous40

[Live weekend oil prices here](https://www.google.com/search?q=gas+prices+near+me&ie=UTF-8&oe=UTF-8&hl=en-us&client=safari)

StevieWonder557

As of April 2026, Donald Trump Jr. is heavily involved in the drone industry, holding a $4 million stake in and advising [**Unusual Machines**](https://www.google.com/search?q=Unusual+Machines&oq=trump+jr+drones&gs_lcrp=EgZjaHJvbWUyCQgAEEUYORiABDIICAEQABgWGB4yCAgCEAAYFhgeMggIAxAAGBYYHjIICAQQABgWGB4yCAgFEAAYFhgeMggIBhAAGBYYHjIICAcQABgWGB4yCAgIEAAYFhgeMggICRAAGBYYHtIBCDI0NTRqMGoxqAIAsAIA&sourceid=chrome&ie=UTF-8&ved=2ahUKEwiYp9aWqOiTAxU11vACHfleCNcQgK4QegYIAQgAEAM), a Florida-based company that secured a major U.S. Army contract for drone components. He is also affiliated with **Powerus**, a company backed by the Trump sons, aiming to sell drone interceptors to Gulf states.

Bittygirl707

$POET **POET Technologies is deeply involved with Celestial AI's chips****.** Marvell Technology completed its acquisition of [Celestial AI](https://www.google.com/search?q=Celestial+AI&rlz=1C5ZNUK_enUS1142US1145&oq=did+Marvell+buy+&gs_lcrp=EgZjaHJvbWUqBwgAEAAYgAQyBwgAEAAYgAQyBggBEEUYOTIICAIQABgWGB4yCAgDEAAYFhgeMggIBBAAGBYYHjIICAUQABgWGB4yCAgGEAAYFhgeMggIBxAAGBYYHjIICAgQABgWGB4yCAgJEAAYFhge0gEIODc0M2owajeoAgCwAgA&sourceid=chrome&ie=UTF-8&mstk=AUtExfA62ik5J5SaOt9T2Aq-nNAQwnj4-W_GtqsEiGKy6UM-FdgbpIl9lXH-jnNGjKnffoDWeVinsELO-aj7YjTtrc5qi4CjuI4MElZnCtT-81pdq6zQLFnudeq49OovL_8iCy1OGsM6BOkmZIzieCgKm1LyuW0gNqo4yz6_yYFn4UmUI-ZxqpztAI93zYOVS8lGvM_q3o3g3wLycOdxzGZQPmpYVYpQCMgnBh5iNcZid9T4INQXBh6j-lPvAIPXjfX1nW09mOBzVm3CCMMGa5qhLF9l&csui=3&ved=2ahUKEwieo8rEyeOTAxWWITQIHTOlDdAQgK4QegQIARAC) on February 2, 2026, for roughly $3.25 billion in cash and stock, plus potential earnouts. So what else is there to know. POET Technologies supplies light source solutions (light engines) that are critical to the operation of Celestial AI’s "Photonic Fabric™" technology platform.  Here are the key details of the relationship: * **POET Starlight™ in Celestial AI Chips:** POET developed a packaged light source product called "POET Starlight," which is designed specifically to power the external silicon photonics modulators used by Celestial AI to connect compute and memory chips. * **Partnership Structure:** Celestial AI is a key customer of POET. The two companies entered an agreement in 2023 for the development and production of these light sources, which are a core part of Celestial's Photonic Fabric. * **Validated Use Case:** Celestial AI uses POET’s optical interposer technology to enable higher bandwidth and lower power consumption in AI systems, serving as the "engine" that enables data transmission through light. * **Marvell Acquisition:** In 2025/2026, Marvell Technology announced the acquisition of Celestial AI, which is expected to increase demand for POET's technology, as Marvell is expected to use the Celestial Photonic Fabric in its own products.  POET Technologies +6 Essentially, Celestial AI's "Photonic Fabric" relies on POET's "Optical Interposer" to move data faster using light rather than electricity. 

Charming_Raccoon4361

There was multiple news not just one. Amazon selling [**Trainium**](https://www.google.com/search?q=Trainium&rlz=1C1JJTC_enCA1159CA1159&oq=amazon+selling+20+bilin+trimbine+chips+to+antropics&gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIJCAEQIRgKGKABMgkIAhAhGAoYoAEyCQgDECEYChigATIJCAQQIRgKGKABMgcIBRAhGI8C0gEKMTQyNjhqMGoxNagCCLACAfEFJ_JrG01z9pQ&sourceid=chrome&ie=UTF-8&mstk=AUtExfCZyLpLih9pe5Z5rzPqkrFGzW1bjHhvdntCH8PdqX5lQ8c8KAHCXbQuq9nubnfylDxmghO0TSb5bJseMzEUFJh1KdW8YckNVp54rrfQmShk9crMbNuovG7cOTaGPAaKqtup0dxwtAbmhL08xGBr0mQafD1OpiCOgCowzyqr0eTJMPFUQIeAW36rKKVV6HGjHEIL&csui=3&ved=2ahUKEwiYtvij9-GTAxX-DTQIHdvBIBcQgK4QegQIARAB) chips worth 20 billion and Anthropic's AI models are getting trained on trainium chips . Amazon Pharmacy and [Eli Lilly](https://www.google.com/search?q=Eli+Lilly&sca_esv=d1d4a0e44ae05689&rlz=1C1JJTC_enCA1159CA1159&biw=1920&bih=945&sxsrf=ANbL-n4Oa2Fk9wie7iPNU4kH7PaAd3RNFw%3A1775777752320&ei=2DfYaYWZE4eh0PEP9YLgsQQ&oq=amazon+elliy+lily&gs_lp=Egxnd3Mtd2l6LXNlcnAiEWFtYXpvbiBlbGxpeSBsaWx5KgIIATIGEAAYFhgeMgYQABgWGB4yCBAAGIAEGKIEMggQABiABBiiBEi0MlAAWO8icAB4AZABAJgBYaAB-giqAQIxN7gBAcgBAPgBAZgCEaACngnCAgoQABiABBiKBRhDwgIWEC4YgAQYigUYQxixAxiDARjHARjRA8ICEBAAGIAEGIoFGEMYsQMYgwHCAhAQLhiABBiKBRhDGMcBGNEDwgILEAAYgAQYigUYkQLCAggQABiABBixA8ICDhAuGIAEGLEDGIMBGOUEwgILEC4YgAQYsQMY5QTCAgUQABiABMICBxAAGIAEGArCAgUQIRigAcICBRAhGJ8FwgIIEAAYCBgeGA3CAgUQABjvBZgDAOIDBRIBMSBAkgcEMTYuMaAH3m6yBwQxNi4xuAeeCcIHBDIuMTXIBxmACAE&sclient=gws-wiz-serp&mstk=AUtExfA98XSya1ELRWO0CBydhVQ4t-GirQt__vbBCIeTi-1p3tkhVBqEZBgSto2M96w9NTiSYQyMxZNylSElFqXqt5NCWRuKYHr3499Zkmur0RchfWkwC2BY3ryEYxAUPH4PMNWyYKRAyTAXVPqGRwuAnwSHgJQMnPdrRHtUxQRfH4i3RB4LcH5ktwpq9jCWSgRgVZrf&csui=3&ved=2ahUKEwiAzuzd9-GTAxUTBzQIHQRIMQIQgK4QegQIARAC) also had a partnership for the newest pill

Competitive_Lion_379

[**😲**](https://www.google.com/search?q=Astonished+Face+%28%F0%9F%98%B2%29&rlz=1C1GCEA_enUS1187US1188&oq=shocked+face+e&gs_lcrp=EgZjaHJvbWUqCggBEAAYsQMYgAQyBggAEEUYOTIKCAEQABixAxiABDIHCAIQABiABDIHCAMQABiABDIHCAQQABiABDIHCAUQABiABDIHCAYQABiABDIHCAcQABiABDIHCAgQABiABDIJCAkQABgKGIAE0gEIMzAxNGowajeoAgCwAgA&sourceid=chrome&ie=UTF-8&ved=2ahUKEwiC3Zzfu96TAxWrnokEHWwrHdoQgK4QegYIAQgBEAE)

allisondbl

Totally get your first point but I’m afraid I can’t agree with your second. [https://www.google.com/search?q=is+there+more+gold+in+the+ground+or+that+has+already+been+mined&rlz=1CDGOYI_enUS590US590&oq=is+there+more+gold+in+the+ground+or+that+has+already+been+mined&gs_lcrp=EgZjaHJvbWUyBggAEEUYOdIBCDExOTZqMGo3qAIZsAIB4gMEGAEgX_EFO4yzFbHlXdXxBTuMsxWx5V3V&hl=en-US&sourceid=chrome-mobile&ie=UTF-8&zx=1775603308794](https://www.google.com/search?q=is+there+more+gold+in+the+ground+or+that+has+already+been+mined&rlz=1CDGOYI_enUS590US590&oq=is+there+more+gold+in+the+ground+or+that+has+already+been+mined&gs_lcrp=EgZjaHJvbWUyBggAEEUYOdIBCDExOTZqMGo3qAIZsAIB4gMEGAEgX_EFO4yzFbHlXdXxBTuMsxWx5V3V&hl=en-US&sourceid=chrome-mobile&ie=UTF-8&zx=1775603308794)

Low-Win-6691

That X post with Lip-Bu Tan and Elon kissing was supposed to make the stock go up[](https://www.google.com/search?q=Lip-Bu+Tan&ie=UTF-8&oe=UTF-8&hl=en-us&client=safari&ved=2ahUKEwjT2NvI9tuTAxUlH0QIHVatMv0QgK4QegYIAQgAEAQ)

HawkeyeByMarriage

https://www.google.com/search?q=flintstone+and+the+jetsons+in+the+same+universe&oq=flintstone+and+the+jetsons+in+the+same+universe+&gs_lcrp=EgZjaHJvbWUyBggAEEUYOdIBCTEzMTU2ajBqN6gCD7ACAQ&client=ms-android-att-us-rvc3&sourceid=chrome-mobile&ie=UTF-8