VICI and ARCC pay nonqualified dividends taxed at ordinary rates, making a Roth shelter worth $12,222 annually at the 24% bracket.
AGNC's 16.55% yield creates the steepest Roth advantage, while MPLX and EPD can trigger unrelated business income taxes inside an IRA.
Reinvested at 4%, the $12,222 annual Roth advantage compounds to $363,948 over 20 years with no price growth ****** umed.
Building a portfolio and living off one are two completely different skills, and almost ****** ody teaches the second. This problem is what The Definitive Guide to Retirement Income helps, and it is free today. Read more here. (Sponsor)
In 2026 the 24% federal bracket covers individuals whose taxable income tops $105,700 and married couples over $211,400. At that rate, a portfolio paying $50,925 a year in ordinary dividends sends $12,222 to the government annually. Hold the same stocks in a Roth IRA and that bill quickly drops to zero.

#dividends #annually #advantage

Dividend-paying stocks are taking a beating as surging Treasury yields make bonds a more competitive income source, creating a difficult environment for baby boomers who lean on dividend funds and individual stocks to cover living expenses in retirement.
Utilities, real estate, and materials have all experienced share-price declines as climbing bond yields have drawn income-seeking investors away from dividend stocks. The 10-year Treasury yield has remained north of 5%, recently hovering between 5.2% and 5.3%, while the 20-year has hit 5.68% and the 30-year has reached 5.62% — marks last seen more than two decades ago, according to Benzinga.
The pain shows up clearly in fund performance. The Invesco S&P 500 High Dividend Low Volatility ETF (SPHD) lost 7.59% over the trailing month, and the iShares Select Dividend ETF (DVY) shed 6.02% in the same window, according to CNBC. The Vanguard High Dividend Yield Index ETF (VYM) gave back 3.85% over the past month. The WisdomTree U.S. Quality Dividend Growth Fund (DGRW) stands apart, with its heavy tilt toward technology helping limit its one-month loss to just 0.81%.
The Federal Reserve raised its overnight rate by a quarter percentage point on Sept. 16, and markets are pricing in additional increases, keeping pressure on rate-sensitive dividend sectors. The 10-year yield touched 5.342% and the 30-year reached 5.683%, their highest marks in 24 years, driven in part by rising public debt, geopolitical tensions, and the prospect of a prolonged high-rate environment.
Despite the pressure, financial advisors caution retirees against making reactive moves. "The worst thing that a retiree could do is sell a high-quality dividend payer at depressed prices to chase income somewhere else in the stock market just to get higher yield," Timothy Chubb, chief investment officer at Girard, a Univest Wealth Division, told CNBC. Chubb said he would rather own a company growing 4% to 5% annually with a 3% dividend yield than pursue an 8% yield from a deteriorating business.

#Dividend #yield #month #treasury

Social Security is the only income that automatically beats inflation, making it the anchor of any retirement plan built on $540,000 in savings.
Delaying Social Security past 64 and bridging expenses with Treasury bills yielding above 4% produces a larger lifetime benefit and a smaller tax bill.
The 4% withdrawal rule applied to $540,000 yields about $21,600 annually, and claiming Social Security early permanently cuts that check by roughly 20%.
Building a portfolio and living off one are two completely different skills, and almost ***** ody teaches the second. This problem is what The Definitive Guide to Retirement Income helps, and it is free today. Read more here. (Sponsor)
A 64-year-old with $540,000 saved and a $2,600 monthly Social Security estimate has two very different kinds of money. One is a government check that rises with prices for life, while the other is a portfolio that has to survive market drops, inflation and possibly 30 years of withdrawals. The income you can count on depends almost entirely on how you connect those two pieces over the next three years.

#security #income #almost #years

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During most of the decades you are preparing financially for retirement, you are likely focused on saving as close as you can get to the recommended amount, without worrying too much about the details. As you approach retirement, however, it's a good idea to look more closely at what might be a realistic retirement budget. At age 62, with $890,000 in a 401(k) account, $115,000 in a Roth IRA and accounting for Social Security benefits, you can likely generate enough income to cover typical retiree lifestyle expenses. Your individual needs may vary, of course, but there are likely moves you can make now and in retirement to give you the flexibility you'll need to fund a comfortable and secure retirement.
Consider speaking with a financial advisor for help building an effective retirement strategy.
A typical retirement budget starts with the income side and Social Security benefits represent an important part of that for a large majority of retirees. Social Security is lifelong, guaranteed by the U.S. government and includes annual cost-of-living adjustments to keep up with inflation. The amount of your specific benefit is controlled by your work history and age at claiming. ****** uming your current income is $90,000 annually, here are estimates of your annual Social Security benefit based on your age when you start claiming benefits:
Age

#annual

Energy Transfer (NYSE: ET) is one of the largest U.S.-listed master limited partnerships (MLPs) specializing in the ownership of pipelines and other midstream energy ***** ets. Based on current prices, Energy Transfer has a forward distribution yield of 6.64%.
In other words, add up its quarterly cash distributions and divide by the current stock price, and you'll get approximately this figure. Considering this, let's run the numbers and see how many shares of this pipeline stock you'd need to own in order to earn $250 monthly.
Missed AI's "Act 1"? Act 2 Could Be 14x Bigger. Most investors think they missed the AI boat because they didn't buy Nvidia in 2005. But according to our ***** ysts, we're only at the end of "Act 1"—the R&D phase. "Act 2" is the global rollout. Continue »
Considering the complexities of MLPs and taxation, we will focus on a gross dividend income of $250 per month from an Energy Transfer position, for purposes of our calculation. A monthly payout of $250 comes out to $3,000 per year. Energy Transfer pays $1.36 per share in annual distributions.
Divide $3,000 by $1.36, and you get 2,205 shares, worth around $45,136 based on Energy Transfer's current stock price. From this position, you'd generate around $2,998.80 in dividend income annually, or just under $250 per month.

#transfer #mlps #considering

Under Warren Buffett, Berkshire Hathaway stock returned 19.7% annually between 1965 and 2025, nearly doubling the 10.5% annual return in the S&P 500 (SNPINDEX:^GSPC). That makes Buffett a great source of inspiration, and he consistently recommended an S&P 500 index throughout his career.
"In my view, for most people, the best thing to do is to own the S&P 500 index fund," Buffett said at Berkshire Hathaway's shareholder meeting in 2021. Investors have several options, but Buffett himself selected the Vanguard S&P 500 ETF (NYSEMKT:VOO) when going head-to-head with a hedge fund in the early 2000s.
Missed AI's "Act 1"? Act 2 Could Be 14x Bigger. Most investors think they missed the AI boat because they didn't buy Nvidia in 2005. But according to our **** ysts, we're only at the end of "Act 1"—the R&D phase. "Act 2" is the global rollout. Continue »
Following Buffett's advice could turn $400 per month into $820,000. Here's what investors should know.
Image source: Getty Images.

#buffett #investors #hathaway

A $700,000 inherited IRA forces the daughter to withdraw annually for 10 years, stacking on her salary and generating $182,580 in federal taxes.
If the father had converted at 22%, his $154,000 tax bill would have been $28,580 less than his daughter pays at her higher rate.
Converting only wins when the parent's rate is lower than the heir's, making a conversation about the child's income the essential first step.
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His plan was simple: leave the IRA invested, take only the required distributions, and let the rest pass to his daughter. When he died at 82, the account still held $700,000. His daughter inherited the money, but she also inherited the tax bill, with withdrawals taxed at her rate during her peak earning years.

#rate #income

Clark Howard calls Medicare Advantage plans "disadvantage plans," warning the new SCAN Costco HMO prioritizes cost savings over patient care through prior authorization denials.
In a serious illness year, a $0-premium Advantage plan can cost $6,807 more than Original Medicare plus Medigap Plan G, which caps costs at $283 annually.
Choosing Advantage at 65 may permanently lock you out of Medigap coverage if you get sick later, since most states allow insurers to deny or upcharge applicants.
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"Costco. Do you know what you're doing here? You know who you're messing around with?" Consumer advocate Clark Howard, usually one of the warehouse club's biggest fans, said that on his show on October 5.

#clark #plan #plans

A 62-year-old retiree can withdraw up to $66,500 annually from a 401(k) at just 12% federal tax, moving roughly $532,000 before RMDs begin.
RMDs force a $1.2 million account holder to withdraw $45,283 in year one, potentially pushing effective tax rates to 41% when Social Security is included.
Leaving $900,000 untouched grows it to roughly $1.7 million by 73, creating a first RMD larger than the current 73-year-old's and repeating the same tax trap.
Building a portfolio and living off one are two completely different skills, and almost ******* ody teaches the second. This problem is what The Definitive Guide to Retirement Income helps, and it is free today. Read more here. (Sponsor)
Picture two retirees. One is 62 with $900,000 in a traditional 401(k). The other is 73 with $1.2 million. Most people would take the bigger account. The smaller one is worth more because the 62-year-old still determines when that money gets taxed and at what rate. The 73-year-old has already gave that decision to the IRS.

#year #rmds

The winning entry of a prestigious scientific photography competition is being re-evaluated following criticism from other scientists that it was made with AI.
Nikon's annual Small World In Motion contest accepts photos and video taken using powerful microscopes, and has run annually for the last 15 years.
The winner was a short video submitted by Dr Ning Xu, a researcher at Tsinghua University in China, which claims to be footage of tiny, hair-like structures called cilia moving inside the airways of a child with a rare disease.
Xu did not respond to the BBC's request for comment, but has posted online denying he broke the competition rules.
In a response to a post by Nikon on LinkedIn, he did not dispute using AI within the image processing but said he remained within the rules of the contest.

#within

Sempra (NYSE:SRE) added a long-term customer commitment on September 14, when its infrastructure subsidiary announced a 20-year sales and purchase agreement with Petróleo Brasileiro S.A. - Petrobras (NYSE:PBR). The agreement covers approximately 0.8 million tonnes annually of liquefied natural gas, or LNG.
Supply will come from the subsidiary's contracted liquefaction capacity at Port Arthur LNG Phase 2 in Texas. The project is under construction, with trains 3 and 4 expected to begin commercial operations in 2030 and 2031, respectively. The agreement improves visibility into future sales, while the earnings contribution depends on delivery and contract economics.
Petróleo Brasileiro S.A. - Petrobras (NYSE:PBR) becomes the infrastructure subsidiary's first South American LNG customer. That broadens the geographic base of buyers and establishes a commercial relationship extending over two decades.
For Sempra (NYSE:SRE), the practical benefit is an external buyer for part of the subsidiary's contracted capacity. Securing that relationship before startup could reduce the need to find buyers for the covered volumes as production approaches, while supporting longer-term supply planning.
The annual commitment equals approximately 6.2% of Phase 2's planned 13-million-tonne annual capacity. This provides a measure of scale, although it does not establish the percentage of capacity still available for sale.

#agreement #petr #supply #term

On September 14, NextEra Energy, Inc. (NYSE:NEE) and Dominion Energy, Inc. (NYSE:D) announced a "transformational" Virginia benefits package to address concerns regarding their proposed $66.8 billion merger. The Virginia supplier program, worth up to $1 billion annually ‌for five years, will direct spending toward contractors, suppliers, and service providers in the state.
Additionally, the companies also proposed doubling residential bill credits to four years, protecting retail customers from grid costs tied to Northern Virginia's rapidly expanding AI data centers, and committing $100 million toward directly supporting workforce development in the Commonwealth. NextEra also stated that it plans to add 600 new energy jobs in Virginia, while expecting suppliers to create another 400 positions.
The updated package comes after the proposed merger attracted a great deal of political scrutiny due to the impact it can have on everyday consumers. Virginia Governor Abigail Spanberger also stated last month that she would formally intervene in the regulatory review to press for commitments on electric bill affordability, job protections, and clean-energy investments.
John Ketchum, Chairman, President, and CEO of NextEra Energy, commented:
"This is a Virginia-first package, and it starts with customers. We are proposing to double residential bill relief from two years to four years, along with expanded low-income financial ******* istance and long-term affordability benefits. We are also reaffirming our support for the State Corporation Commission, Governor and General ******* embly's efforts to protect residential and small business customers from costs ******* ociated with serving data centers. Just as important, this package would help Virginia build more of the clean energy and infrastructure it needs faster, so the Commonwealth can reduce its reliance on expensive imported power. And it would do that while positioning Virginia as a major energy leader, bringing NextEra Energy jobs, good-paying supplier jobs, workforce investment, economic development and national-scale energy technology and innovation to Virginia. This is the kind of customer-focused, job-creating package this combination makes possible."

#energy #years #Jobs

GE Vernova Inc. (NYSE:GEV) is one of Jim Cramer's favorite stocks. Throughout 2025, the CNBC TV host continued to heap praise on the firm. Cramer's praise came at a time when new-age nuclear power and quantum computing stocks were experiencing strong gains. Throughout this period, he continued to **** ert that GE Vernova Inc. (NYSE:GEV) was the only nuclear firm with a stable delivery timeline and the capacity to deliver. In his morning appearance on the 15th, Cramer discussed the recent dip in shares and worries about a slowdown in the AI buildout:
"One company, GE Vernova, which was hit incredibly hard, which actually builds these, was saying they're seeing an order acceleration. So I really doubt the idea there's going to be a decel. Now that stock got hammered yesterday, it's been a horrendous stock since we started getting this political controversy. But again I point out that you just hear no one say anything about pullback."
For GE Vernova Inc. (NYSE:GEV), as perhaps indicated by the share price movement, the narrative is driven by its backlog and overall exposure to AI's power generation demand. On this front, CEO Scott Strazik, another Cramer favorite, outlined during the firm's second quarter earnings that data center orders of $5 billion for H1 2026 had already doubled over the full year 2025 figures. Additionally, during Q2, the firm's total orders touched $24 billion to mark an 88% growth driven by its Power and Electrification segment. As a whole, GE Vernova Inc. (NYSE:GEV)'s Q2 revenue grew by 22% annually, while its overall backlog and electrification backlogs sat at $176 billion and $446 billion.
At the same time, with GE Vernova Inc. (NYSE:GEV) also relying on gas turbines for its business, the debate is also about whether exposure to AI can remove the inherent cyclicality in the business. Additionally, with data centers accounting for 40% of the Electrification business's orders, any slowdown in capex spending by big tech players could generate tailwinds for GE Vernova Inc. (NYSE:GEV). Similarly, while the data center business is booming and the gas generation business remains tied to prices and interest rates, the firm's wind business is a drag and expected to hurt the bottom line throughout 2026.
In Q2, 106 out of the 1,006 funds tracked by Insider Monkey had held a stake in GE Vernova Inc. (NYSE:GEV), which marked a dip over the 118 out of 1,022 funds in Q1. Whether the dip was due to the order mix and AI sentiment or due to profit taking, your guess is as good as ours. On the valuation front, GE Vernova Inc. (NYSE:GEV) trades at a forward P/E ratio of 35, while short interest as a percentage of float is 3.29%.

#vernova #business #throughout #data

IBM raised its quarterly dividend a single penny, from $1.68 to $1.69, marking its 31st consecutive increase but delivering just $0.04 more annually to shareholders.
Microsoft grew its quarterly dividend from $0.13 to $0.98 since 2010, making it the stronger pick for investors seeking real income growth over IBM's 2.83% yield.
IBM's dividend appears safe, with $14.7B in free cash flow comfortably covering its $6.3B payout, though capital is flowing toward acquisitions, $62B in debt, and quantum computing bets.
Just released. Our ******* ysts combed the entire stock market and named the ten best stocks to buy right now, and IBM didn't make the cut. Enter your email to see the names that beat IBM. The report is free. Enter your email and see if any of your stocks made the cut.
The headline is easy to sell. IBM (NYSE:IBM) has paid consecutive quarterly dividends every year since 1916 and, with the April declaration, notched its 31st consecutive year of dividend increases. The reality a retiree actually banks is smaller. Much smaller.

#Dividend #year

If you are looking for reliable high yields in the energy sector, Energy Transfer (NYSE: ET) is likely to be high up on the list of options. And Wall Street really likes the stock, with 19 of the 21 ***** ysts covering it rating it a buy or strong buy. And yet, I just can't get myself to buy it, instead owning lower-yielding Enbridge (NYSE: ENB). Here's why Energy Transfer's 6.3% yield, despite distribution coverage of 2.2x, isn't enough to get me to buy it.
Before getting to Energy Transfer, I want to highlight some facts about Enbridge, the North American pipeline giant I actually bought. For starters, Enbridge's yield is 5.8%, roughly half a percentage point lower. That's a big difference, as buying Energy Transfer would increase my income stream by nearly 9%.
Missed Nvidia in 2009? This Rare Signal Is Flashing Again. In 2009, a "Double Down" signal flashed for a little-known chipmaker called Nvidia. For the first time in years, that same "Total Conviction" signal is flashing for a company 1/100th the size of Nvidia. Continue »
I can totally understand where a dividend investor would buy Energy Transfer for the added yield. But there's a big difference when you consider dividend history. Enbridge has increased its dividend annually for 31 consecutive years. Energy Transfer cut its distribution in 2020 during the COVID pandemic, right when most investors would probably have preferred dividend consistency. To Energy Transfer's credit, it lived up to its promise at the time to reduce leverage and return to distribution growth. In fact, the distribution is now above its level prior to the cut. And the cut was probably the right decision to make for the business.
But that distribution cut was a hit for unitholders. And it comes after another questionable situation back during the 1996 energy market downturn. At that point, Energy Transfer agreed to buy peer Williams (NYSE: WMB), but got cold feet. In an effort to scuttle the deal, Energy Transfer issued convertibles that appeared to protect insiders from a dividend cut, if one were made. The Williams deal was canceled, and the convertibles never became an issue, but it raised material trust issues for me.

#distribution #Dividend #yield

Owning a $400,000 Villages home costs owners roughly 4.5% annually in forgone investment income alone, before taxes, insurance, or CDD bond payments.
Annual rentals run between $2,200 and $3,000 a month, but renting beats owning only for stays under eight years once all costs are counted.
A 75-year-old facing a forced sale in a narrow buyer pool at 3.98 million existing home sales risks losing the flexibility a lease ending provides.
Two retirees, same $1 million, same 4% rule, buy one finished with $1.4 million, the other hit $0 in 12 years. Our free reader guide explains the flaw that separated them, and the income-first method built to avoid it.
At the end of the day, renting versus buying in The Villages comes down to one thing: math. More owners are running the numbers and finding that renting wins on the spreadsheet, so here is what the comparison actually looks like when every line is filled in.

#income

The idea of building a $1 million portfolio might sound more daunting than climbing Mt. Everest. In reality, it's more achievable than you probably think. With enough time, discipline, and the right mix of investments, the long-term power of compounding can get you to the $1 million mark and beyond!
Just take a look at history. If you invested $10,000 in the S&P 500 (SNPINDEX: ^GSPC) at the beginning of 1996, it would have grown to roughly $214,000 with dividends reinvested. Now, that's clearly not $1 million, but that's how large it grew with a one-time investment. Imagine how big it could get if you added a modest monthly investment to it over all those years.
Missed AI's "Act 1"? Act 2 Could Be 15x Bigger. Most investors think they missed the AI boat because they didn't buy Nvidia in 2005. But according to our ****** ysts, we're only at the end of "Act 1"—the R&D phase. "Act 2" is the global rollout. Continue »
This is why the idea of regular, consistent investing over time is one of the best pathways to millionaire status.
Over the past century, the S&P 500 has returned around 10% annually. The index has performed much better than that over the past decade, but the next decade could very well be much worse. When projecting long-term returns, it's better to be a little more conservative.

#idea #investment #past

Amgen (AMGN) yields 2.6% with a $10.08 annualized payout, topping Merck (MRK) at 2.29%, and has raised its dividend 6% annually versus Merck's smaller step-ups.
Amgen's 17 billion-dollar products and $3.5B quarterly free cash flow dwarf Merck's reliance on a single Keytruda franchise facing peak penetration.
Merck absorbed a $5.7B acquisition charge that pushed Q2 earnings to a loss, while Amgen raised 2026 EPS guidance to as high as $23.50.
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For a retirement portfolio that leans on pharma dividends, the choice between Amgen (NASDAQ:AMGN) and Merck (NYSE:MRK) comes down to one question: which check is more likely to keep getting bigger through the next wave of patent expirations? Both companies deliver quarterly income today. Only one has the coverage, the growth cadence, and the portfolio breadth to keep raising through the cliff.

#merck #amgen

Interested in Equinix, Inc.? Here are five stocks we like better.
Equinix plans to invest $5 billion to $7 billion annually in data-center development, primarily in established markets where customer demand and infrastructure needs are already visible.
The company controls about 3 gigawatts of designed power, with 600–700 megawatts under development, and is targeting cash-on-cash returns in the low 20% range with typical stabilization in two to three years.
AI adoption is accelerating among enterprise customers, driving expected demand for higher-density facilities, liquid cooling and additional interconnections; however, executives said AI-related business still represents a minority of Equinix's revenue today.
3 Stocks Built for Higher Rates—And 2 That Could Break

#higher #demand #here #built

Medicare's two-year income lookback makes age 63 the last year a Roth conversion won't directly raise your Medicare premiums at 65.
Married couples can convert roughly $133,000 annually within the 22% bracket, but crossing the $218,000 IRMAA threshold triggers surcharges for both spouses.
Delaying Social Security to 70 preserves low-income years for conversions, since every dollar of benefits claimed adds an invisible marginal rate on top of conversion income.
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A 63-year-old with $1.4 million in a traditional 401(k) has a narrower Roth conversion window than the calendar suggests. Medicare enrollment at 65 uses a two-year lookback on modified adjusted gross income, which means the conversion executed at 63 is the one that sets Medicare premiums at 65. The real deadline arrives earlier than most people expect.

#income #roth #lookback

Tesla's (NASDAQ: TSLA) business is in an interesting spot. The company saw a significant sales rebound in the second quarter, with revenue rising 26% year over year to reach $22.5 billion. Recent reports also suggest that the company's share of the U.S. electric vehicle (EV) market has risen sharply amid a substantial sales contraction for the overall industry. And while the company's net income fell 5% annually in the second quarter, the business still recorded net income of $1.11 billion in the period.
On the other hand, positive net income doesn't tell the whole story because the metric doesn't include capital expenditures (capex) that are recorded as ****** ets on the balance sheet. With Tesla betting big on its robotaxi project, Optimus humanoid robots, and other potential growth drivers, the company recorded $5.79 billion in capex in Q2. As a result, the business posted -$1.1 billion in free cash flow (FCF) in the period. With FCF coming up negative lately, the company's $43.5 billion cash position provides a valuable cushion.
Missed Nvidia in 2009? This Rare Signal Is Flashing Again. In 2009, a "Double Down" signal flashed for a little-known chipmaker called Nvidia. For the first time in years, that same "Total Conviction" signal is flashing for a company 1/100th the size of Nvidia. Continue »
Tesla posted substantial sales growth in the second quarter as some of the pressures facing the brand eased, higher gas prices encouraged EV purchases, and price cuts helped spur demand. On the other hand, it remains to be seen whether this sales growth momentum is sustainable -- and banking on the core EV business to be an earnings driver that can support the company's highly growth-dependent valuation seems unwise.
While Tesla has seen competitors based in the U.S., ****** an, and South Korea reduce their focus on the EV market, BYD and other China-based rivals are making inroads in the market and continue to bet heavily on long-term growth in the category. CEO Elon Musk appears to have a good grasp on the challenging competitive landscape and has been positioning robotaxis, humanoid robots, and semiconductor projects as the core elements of his company's growth strategy.

#NVIDIA

Generating $2,200 monthly in dividends requires between $264,000 at a 10% yield and $754,000 at a 3.5% yield, with higher yields carrying greater principal erosion risk.
A blended portfolio of SCHD (35%), DGRO (25%), VYM (20%), and JEPI (20%) hits a 3.9% weighted yield requiring about $670,000 to reach the $2,200 target.
A 3.5% yield growing 8% annually doubles income in roughly nine years, while a flat 10% yield stays stagnant or declines if distributions are cut.
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Turning zero into $2,200 a month in dividend income requires only two things: a target yield and the capital to support it. The annualized goal is $26,400, which lands somewhere between covering a mortgage payment and replacing a part-time salary. The capital needed depends entirely on the yield you choose, and the yield you choose determines how durable that income actually is.

#yield #choose #dgro

A UTMA custodial account requires no attorney, costs nothing to open, and lets married couples contribute $38,000 annually per grandchild without triggering gift-tax reporting.
VOO anchors the portfolio at 60-70% with a 0.03% expense ratio, while SCHG's 447% 10-year return earns it a 20-25% growth slice.
Custodial account funds legally become the grandchild's property at 18 or 21, so grandparents who want spending control should use a 529 instead.
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You want to hand each grandchild a serious head start without the complicated legal setup. Skip the trust attorney. A custodial account under the Uniform Transfers to Minors Act (UTMA) can be opened in an afternoon at any major brokerage, and three low-cost ETFs can do the work for the next 15 to 20 years: the Vanguard S&P 500 ETF (NYSEARCA:VOO), the Schwab U.S. Large-Cap Growth ETF (NYSEARCA:SCHG), and the iShares Core MSCI Emerging Markets ETF (NYSEARCA:IEMG). Three tickers, one account per grandchild, and time on your side.

#custodial #three

At 60, Stephen has $40,000 saved against a $680,000 benchmark, plus $32,000 in debt draining his recovery runway.
Rachel Cruze and George Kamel told Stephen to stop funding his daughter and eliminate debt before rebuilding retirement savings.
Workers aged 60 to 63 can contribute up to $35,750 annually to a 401(k), a catch-up window that Stephen must use before it closes at age 64.
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A 60-year-old caller named Stephen phoned The Ramsey Show from Portland and laid out a balance sheet that would make anyone flinch: $40,000 left in retirement, no liquid savings, a $27,000 loan on a 4Runner worth about what he owes, $5,000 in credit card debt, and an $85,000 salary he took after quitting a more stressful job. He said he had drained the retirement account to put his daughter through school and pay off a $25,000 IRS bill he insists "wasn't mine."

#stephen #Retirement #workers

Liberty Media Formula One (FWONK) is increasingly looking like more than a fast-growing sports franchise — it is becoming a premium global media and entertainment ******* et. That view is gaining traction on Wall Street, with Jefferies initiating coverage of FWONK stock with a "Buy" rating and a $115 price target, implying about 22% potential upside from current levels. Jefferies views Formula One as a high-quality media and consumer-experiences business, supported by its premium sports ******* ets, ******* et-light model, and margin-expansion opportunity.
Jefferies believes that the company streamlining Formula One and MotoGP after the Liberty Live separation and MotoGP acquisition could improve how its allocates capital and executes. Moreover, ******* ysts highlighted Apple's (AAPL) new U.S. F1 media-rights deal for Apple TV, estimating it could add revenue of about $55 million annually through 2030. Overall, the firm expects revenue to grow to $5.84 billion in 2028, and adjusted OIBDA margins to expand to 27.2%.
Goldman Sachs Expects Fed Chair Kevin Warsh to Raise Rates This Week — But Not Because of Oil Prices.
Billionaire Charlie Munger, Who Died at 99, Skipped Insurance on His Mansion Since He Could Just Write a Check to Rebuild — 'All Intelligent People Do It My Way'
The EV Bubble Has Burst. How to Play Rivian Stock Now.

#liberty

Eli Lilly and Company (NYSE:LLY) says its newly launched oral obesity drug Foundayo has captured more than 30% of new U.S. patients starting oral weight-loss medicines, a notable early gain against Novo Nordisk's Wegovy pill. Reuters reports that Wegovy initially held roughly 90% of the oral market, making Lilly's rapid share capture an important sign that the oral GLP-1 market is becoming a two-player competition rather than a Novo-dominated segment. The broader U.S. obesity-drug market is expected to exceed $100 billion annually by 2030, with oral treatments potentially accounting for more than one-third of GLP-1 use.
The timing is strategically important for Lilly because Foundayo was only launched in the U.S. in April 2026. The drug starts at $149 per month for self-pay patients and can cost as little as $25 for eligible commercially insured patients, while Medicare beneficiaries can access it through the GLP-1 Bridge program at $50 per month. Lilly's SEC filing says Mounjaro and Zepbound already represented 65% of its revenue in the first six months of 2026, highlighting both the importance of the incretin franchise and the opportunity for Foundayo to broaden Lilly's cardiometabolic revenue base.
The strongest bullish implication is that Foundayo appears to be overcoming the biggest behavioral barrier in obesity treatment: patients' preference for an oral medicine over an injection. Capturing more than 30% of new oral patients only months after launch suggests Eli Lilly and Company (NYSE:LLY) is establishing meaningful competitive positioning before the oral GLP-1 market fully scales. Foundayo's formulation also has a practical advantage because it can be taken at any time of day without food or water restrictions, while Lilly's clinical data showed an average 27.3-pound, or 12.4%, weight reduction at the highest dose among patients who remained on treatment in ATTAIN-1.
The commercial opportunity could become considerably larger if Foundayo gains indications beyond obesity. Lilly reported that in the ACHIEVE-3 trial, Foundayo produced a 57.1% greater relative reduction in A1C and a 73.6% greater relative reduction in body weight compared with oral semaglutide 14 mg. Lilly submitted Foundayo for type 2 diabetes in the U.S., EU, and **** an, potentially expanding the addressable market beyond weight management.
The early oral-market traction also complements Eli Lilly and Company (NYSE:LLY)'s existing injectable franchise rather than simply cannibalizing it. A Lilly trial found that patients switching from maximum-tolerated Wegovy to Foundayo maintained all but 0.9 kg of their previous weight loss after one year, while patients switching from maximum-dose Zepbound to Foundayo maintained all but 5.0 kg. That suggests Foundayo could serve as a maintenance or lower-burden treatment within Lilly's broader obesity portfolio, increasing lifetime value per patient rather than limiting the opportunity to new prescriptions.

#patients #weight #c

Eli Lilly and Company (NYSE:LLY) says its newly launched oral obesity drug Foundayo has captured more than 30% of new U.S. patients starting oral weight-loss medicines, a notable early gain against Novo Nordisk's Wegovy pill. Reuters reports that Wegovy initially held roughly 90% of the oral market, making Lilly's rapid share capture an important sign that the oral GLP-1 market is becoming a two-player competition rather than a Novo-dominated segment. The broader U.S. obesity-drug market is expected to exceed $100 billion annually by 2030, with oral treatments potentially accounting for more than one-third of GLP-1 use.
The timing is strategically important for Lilly because Foundayo was only launched in the U.S. in April 2026. The drug starts at $149 per month for self-pay patients and can cost as little as $25 for eligible commercially insured patients, while Medicare beneficiaries can access it through the GLP-1 Bridge program at $50 per month. Lilly's SEC filing says Mounjaro and Zepbound already represented 65% of its revenue in the first six months of 2026, highlighting both the importance of the incretin franchise and the opportunity for Foundayo to broaden Lilly's cardiometabolic revenue base.
The strongest bullish implication is that Foundayo appears to be overcoming the biggest behavioral barrier in obesity treatment: patients' preference for an oral medicine over an injection. Capturing more than 30% of new oral patients only months after launch suggests Eli Lilly and Company (NYSE:LLY) is establishing meaningful competitive positioning before the oral GLP-1 market fully scales. Foundayo's formulation also has a practical advantage because it can be taken at any time of day without food or water restrictions, while Lilly's clinical data showed an average 27.3-pound, or 12.4%, weight reduction at the highest dose among patients who remained on treatment in ATTAIN-1.
The commercial opportunity could become considerably larger if Foundayo gains indications beyond obesity. Lilly reported that in the ACHIEVE-3 trial, Foundayo produced a 57.1% greater relative reduction in A1C and a 73.6% greater relative reduction in body weight compared with oral semaglutide 14 mg. Lilly submitted Foundayo for type 2 diabetes in the U.S., EU, and ***** an, potentially expanding the addressable market beyond weight management.
The early oral-market traction also complements Eli Lilly and Company (NYSE:LLY)'s existing injectable franchise rather than simply cannibalizing it. A Lilly trial found that patients switching from maximum-tolerated Wegovy to Foundayo maintained all but 0.9 kg of their previous weight loss after one year, while patients switching from maximum-dose Zepbound to Foundayo maintained all but 5.0 kg. That suggests Foundayo could serve as a maintenance or lower-burden treatment within Lilly's broader obesity portfolio, increasing lifetime value per patient rather than limiting the opportunity to new prescriptions.

#weight

On September 10, Copart (NASDAQ:CPRT) held its fourth-quarter earnings call and used it to unveil a deal that could reshape its business: an all-cash agreement to acquire ACV, a digital auto marketplace that moved roughly $10 billion of vehicles last year without owning a single lot. The announcement landed alongside a quarter that captured the company's central tension. Revenue rose, but net income fell, and management is now betting that pairing its junkyards with someone else's software can fix that.
The ACV deal is the headline, and for good reason. ACV brings more than 22,000 active buyers and inspection and valuation technology, while Copart contributes over 275 locations, roughly 4 million vehicles sold annually, and about 1 million members across more than 185 countries. Management structured it as an all-cash tender offer funded from cash on hand, with a close targeted by the end of the calendar year and earnings accretion expected in fiscal 2028. Executives framed the fit as physical scale meeting digital liquidity, giving dealers, banks, and fleet sellers a single partner for disposing of vehicles.
That diversification push is already showing up in the numbers. International revenue grew 11.7% to $222.1 million on 15% service revenue growth, and international buyers accounted for 45.7% of total US sales dollars despite making up only 38.2% of units, a sign they are chasing pricier vehicles. Domestically, non-insurance units returned to growth of 0.2% in the quarter after a full-year decline, dealer units rose 5.8%, and BluCar, which serves banks and fleets, expanded nearly 20%. Global average selling prices climbed 3.5%, evidence that Copart's auctions still command pricing power even as volumes soften.
The quarter's numbers show where the strain is. Consolidated revenue grew 2.4% to $1.2 billion, yet net income dropped 17.4% to $327.4 million and diluted earnings per share fell 14.6% to $0.35. Operating expense per car jumped 12.7% year over year as the company poured money into long-haul delivery, **** leExpress, and dedicated wholesale facilities, and US facility costs alone rose 7.7% in the quarter. Lower interest income, a byproduct of the $1.63 billion spent on buybacks earlier in the fiscal year, added to the squeeze.
The core insurance business is also cooling. Global insurance units fell 4.2%, with domestic insurance **** ignments down 7.5%, though management noted that figure would have been up 2.3% excluding the loss of a single customer. Collision claim frequency declined 3.4% even as total loss frequency hit a record 23.3% for a second quarter and severity topped $6,300 per claim, up 8.8%. And the ACV deal itself carries integration risk, since management expects only breakeven results before accretion arrives in fiscal 2028.

#quarter #vehicles #insurance

Azure crossed $100B annually with 43% growth, and Microsoft's commercial backlog surged 84% to $678B, explaining why markets shrugged off AI safety calls.
Progressive fell 5% and Sherwin-Williams dropped 12% over the past year as housing starts slid 12% and consumer sentiment hit a recessionary 55.
Trump's 'whoever wins, AI wins' framing directly counters Manchin's push for an executive order freezing AI IPOs until federal safeguards are established.
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Monday morning, hours after public radio spent its morning walking through an open letter asking the AI industry to slow itself down, President Trump told CNBC the opposite: "We're leading China in AI. We're the most sophisticated country in the world. And frankly, I want to keep it that way because whoever wins, AI wins." Ninety minutes later, shares of Microsoft (NASDAQ:MSFT) were changing hands at $498.70, and Polymarket bettors were pricing 84.5% odds that the stock would close green.

#msft #whoever #stocks #morning

Founded in 1977 and headquartered in South Korea, LX Pantos has grown into a global logistics provider spanning freight forwarding, contract logistics, e-commerce fulfillment, last-mile delivery and installation, and supply chain management consulting. The company now operates more than 380 locations worldwide with a workforce of approximately 8,500 employees, moving more than 1.6 million TEUs of ocean freight and over 120,000 tons of air freight annually. In 2025, LX Pantos recorded revenue of approximately $5.85 billion.
For President and CEO Lee Yong-ho, those figures mark a foundation rather than a destination.
"Since **** uming the role of CEO, I have set a clear vision for LX Pantos: to build the company into a 'Korea-born, global logistics company,' and we have been pursuing that goal with unwavering commitment," Lee said.
That vision marks a departure from the model that carried LX Pantos for decades on domestic corporate freight volumes.
"For many years, LX Pantos grew rapidly by leveraging freight volumes from domestic corporate customers. However, we have also recognized that growth driven primarily by the domestic market has its limitations," Lee said. "It is now time for LX Pantos to evolve into a truly global logistics company — one that is not confined to any single country or customer segment, but is capable of delivering comprehensive logistics solutions to customers worldwide."

#pantos #Logistics