Apple stock bought at $25.02 in 2016 now sits at $352.64, leaving a $92,905 embedded gain inside a $100,000 position.
A single filer with zero 2026 income can sell up to $65,550 of long-term gains at 0% federal tax by combining the standard deduction and the 0% bracket.
The gift strategy beats inheritance outright only when the embedded gain is $65,550 or less, with the crossover basis sitting at $34,450 on a $100,000 position.
At the national average savings rate, $40,000 earns about $150 a year. In one of today's top-rated high-yield accounts, the same balance earns $1,200 or more. See the current best rates, side by side.
A 66-year-old widow bought shares of Apple (NASDAQ:AAPL) in November 2016 at a split-adjusted $25.02. Ten years later the stock trades at $352.64, a 1309.61% gain. Her position is now worth $100,000.

#gain #Apple #Stock #year

Sarah Ferguson and Andrew Mountbatten Windsor, the once "happiest divorced couple," may no longer live together, but that doesn't mean they're no longer on speaking terms and united by their roles as parents and grandparents.
"Sarah and Andrew speak regularly and have always had and continue to have unity as co-parents and co-grandparents," Sarah's spokesperson exclusively tells ****** O!.
The former couple became grandparents for a fifth time over the summer, with the birth of their daughter Princess Eugenie's third child, Adelaide Elizabeth Annina Brooksbank. Andrew and Sarah's third granddaughter was born in Lisbon, Portugal on August 3.
In addition to Adelaide,Sarah and Andrew are grandparents to Eugenie and Jack Brooksbank's two older sons August and Ernest, and Princess Beatrice's daughters, Sienna and Athena. Beatrice is also a stepmother to her husband Edoardo Mapelli Mozzi's son Christopher Woolf.
Sarah pictured with her daughters in November 2023 (@ Dave Benett/Getty Images for The Anti Slavery Collective)

#sarah #grandparents #couple

Tesla (TSLA) and **** eX (SPCX) stock fell on Wednesday after Democrats took control of both houses of Congress in a "Blue Wave" that flipped Texas, home to both companies, with potential implications for CEO Elon Musk.
Musk spent $224 million backing Texas Republicans, including $158 million in September alone, per The New York Times, part of at least $446 million he gave to Republican candidates and groups before the vote. Democrat Gina Hinojosa unseated Gov. Greg Abbott to become the first Democratic governor of Texas since 1990, and Democrat James Talarico beat Republican Ken Paxton for the Senate seat.
Tesla and **** eX both dropped by over 2% despite the broad market rally, which includes Big Tech.
"Both of these stocks have major headline risk if we get a blue sweep," Vikram Rai of FirstNew York told Bloomberg ahead of the election.

#tesla #democrat

Coffee chain Dutch Bros (NYSE:BROS) met Wall Street's revenue expectations in Q3 2026, with revenue up 29.8% year on year to $549.8 million. On the other hand, the company's full-year revenue guidance of $2.1 billion at the midpoint came in 1.5% below ******* ysts' consensus estimates. Its GAAP profit of $0.20 per share was in line with ******* ysts' consensus estimates.
For more on Dutch Bros, read our full research report.
Revenue $549.8 million vs S&P ******* ysts' consensus estimates of $548.8 million (29.8% year-on-year growth, in line)
EPS (GAAP) $0.20 vs ******* ysts' consensus estimates of $0.21 (in line)
Adjusted EBITDA $101.1 million vs ******* ysts' consensus estimates of $97.47 million (18.4% margin, 3.7% beat)

#million

Arm beat ****** yst estimates for its fiscal second quarter and with its guidance for the current period. But Arm stock fell.

#second

NFLX shares have fallen 33% year to date to near their 52-week low, despite a Q3 operating margin of 34.6% and a record $4.8 billion buyback quarter.
Netflix's 29% operating margin dwarfs Disney's (DIS) 15% and Spotify's (SPOT) 13%, yet its P/E multiple sits far closer to Disney's than Spotify's.
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Netflix (NASDAQ:NFLX) spent 2026 extending its reach. It added live NFL games, built its own ad technology and brought outside networks onto its platform.
The stock fell anyway, and that gap is why the setup deserves a closer look. The 24/7 Wall St. price target for Netflix is $76.26, which means 22.9% upside from $62.05.

#netflix #Stock #spot

USO sits near its 52-week high of $172, but its price rests on a futures war premium that the physical market is already discounting.
Goldman Sachs trader Peter Hackworth said 'Needless to say this does NOT suggest a tight market' as North Sea offers found no buyers.
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One cargo of the Republic of Congo's Djeno crude reportedly sold at $25 under Dated Brent. A month earlier, refiners were paying up for any barrel that could load soon.
Dated Brent is the price of physical North Sea cargoes loading in the next few weeks. ICE Brent futures are contracts for later delivery. In early October, Dated traded $30 a barrel above futures, and by November 3, 2026, that premium had shrunk to roughly $3.70 a barrel.

#futures #market

FNMA surged 9% and FMCC 7% on Election Day, marking their fourth straight gain as Ackman publicly pushed for their conservatorship exit.
Ackman's Pershing Square owns more than 200 million combined shares and argues the president can release the GSEs without Congress.
Bessent set the conservatorship exit timeline at "next year, the year after," with the condition that agency mortgage spreads do not increase.
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Fannie Mae closed at $5.56 on November 3, 2026, up 8.81%. Freddie Mac rose 6.61% to $5.00, marking the fourth straight gain for both.

#enter

Berkshire bought 924,281 SIRI shares across three days, raising its stake to over 125 million shares at roughly $27 million total.
Sirius raised full-year guidance for the second straight quarter, with free cash flow rising 14% and EBITDA margins expanding to 32%.
Pandora monthly users fell 7%, net leverage sits at 3.3x adjusted EBITDA, and management warned of a harder Q4 for subscribers.
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Berkshire Hathaway (NYSE:BRK-B) disclosed in a Form 4 filed Nov. 3, 2026, that it bought 924,281 shares of Sirius XM (NASDAQ:SIRI) on Oct. 30, Nov. 2, and Nov. 3. The purchases raised its beneficial ownership to 125,731,398 shares. Investing.com estimated the buying at about $26.9 million, with weighted average prices of $28.8913 on Oct. 30 and $30.233 on Nov. 3.

#shares #berkshire #raised #free

MRVL's base case turns $1,000 into ~$1,549 by 2030, while 40 Wall Street ******* ysts hold buy ratings with zero sells.
The potential LITE acquisition triggered an 11.4% selloff today, and Morningstar warned the deal risks a steep overpay.
Google's expanded custom silicon deal with Marvell includes a warrant to acquire up to 7% of shares tied to revenue milestones.
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Marvell Technology (NASDAQ:MRVL) shares traded at $222.97 at midday, a decline of 11.4% on the session. The drop followed reports that the chipmaker is close to a megadeal for Lumentum (NASDAQ:LITE) as part of an AI push.

#enter #stocks

A $1,000 investment in MSFT today could reach $1,587 by 2029 under the base case, or as high as $1,911 in a bull scenario.
Azure revenue surged 48% last quarter, and CFO Amy Hood guided next-quarter growth of between 49% and 50% in constant currency.
Microsoft's contracted backlog jumped 73% to $677 billion, with Copilot daily users up over 5x year over year.
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Microsoft (NASDAQ:MSFT) is one of the biggest stocks you can own to get exposure to enterprise AI, so it makes sense to ask what $1,000 put in today could grow into by 2029. Our price-prediction model uses a reference price of $525.63 per share.

#year #email #price

Democrats have regained control of Congress, winning back the U.S. House and Senate as Republican midterm losses mount.
Coming into the night, Republicans held 53 of the Senate's 100 seats, compared with 45 held by Democrats. To wrest back control of the Senate, Democrats needed a net gain of at least four seats. As at 6 a.m. ET on Wednesday, the Democrats had won 54 Senate seats to the GOP's 44.
Democrats won a series of key Senate seats. In Michigan, Abdul El-Sayed defeated Mike Rogers in one of the most closely watched races. James Talarico beat Republican Ken Paxton in Texas, becoming the first Democrat to win a U.S. Senate seat in the Lone Star State since 1988.
Annie Andrews beat GOP Sen. Darline Graham in South Carolina to flip a Senate seat. In Maine, Democrat Troy Jackson defeated incumbent GOP Sen. Susan Collins, putting an end to her three-decade tenure. Sen. Jon Ossoff comfortably won reelection in Georgia. Other Senate seats to flip to the Democratic Party included Roy Cooper in North Carolina and Sherrod Brown in Ohio.
In the 435-seat House, the GOP held 218 seats, compared with 214 held by Democrats. To retake control of the House, Democrats needed a net gain of three seats — and the AP said early Wednesday that the party had exceeded that figure.

#democrats #seat

Sandisk (NASDAQ:SNDK) gave investors two pieces of news on Thursday, Oct. 29. The flash memory company's fiscal first-quarter revenue grew 23% over the previous quarter to $11.0 billion. And the board approved an eight-for-one stock split, with split-adjusted trading expected to start Friday, Nov. 20.
Does a split announcement tell investors anything about where a stock heads next? I checked what happened over the year after eight big-name split announcements, measured from every stock's close on announcement day.
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 »
Five of the eight were up one year later, and the median stock rose around 26%. Five also beat the S&P 500. But the results ran from a 43% drop to a 79% gain.
Image source: Getty Images.

#NVIDIA #eight

Realty Income has declared 673 consecutive monthly dividends and raised its payout for the 115th consecutive quarter.
ExxonMobil extended its run to 44 consecutive years of annual dividend increases, while PepsiCo expects to pay $7.9B in dividends in 2026.
Suze Orman says dividend stocks "truly come into play" in downturns "because at least you are being paid to wait."
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Suze Orman told investors they can skip the reflex to act every time stocks dip. She said it on the October 25 episode of her Women & Money podcast, ****** led "When Is a Decision Right For You?": "You don't have to think, oh, the markets went down, I have to dollar-cost average, now is the time. No, you don't always have to do something."

#consecutive #suze

Altria has raised its dividend 61 times in 57 years and yields ~6%, while Realty Income has raised its payout 115 consecutive quarters and yields ~6%.
Kinder Morgan carries a $9.6 billion project backlog, over 60% tied to power generation, while AT&T uses just 46% of adjusted EPS to fund its dividend.
VICI Properties yields ~7.5% with 100% portfolio occupancy and 39.6-year average lease terms, but its stock trades well below the average **** yst target of $31.
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Retirees need two things from a dividend stock: the check must arrive on schedule, and it must grow faster than the cost of groceries. This month's list covers five cash-generating businesses in five different industries: tobacco, net-lease real estate, gaming real estate, natural gas pipelines, and telecom. In every case, earnings or cash flow will cover the payout, and each company has years of payment history behind it. Several of them pay in November, including Realty Income (NYSE:O), whose next monthly dividend of $0.2715 a share is scheduled to arrive on November 13.

#november #raised

College-town states like Ohio (93) and Tennessee (92) beat Florida's (103) cost-of-living index, cutting a retired couple's required savings by over $205,000.
Pennsylvania exempts 401(k) and IRA withdrawals from its 3.07% flat income tax for qualifying retirees, while Ohio taxes non-Social Security income above $26,050.
Ohio residents 60 and older can audit Ohio State courses tuition-free and access a major academic medical center, though game days and student rents add real trade-offs.
Read More: Avoid these 13 retirement mistakes before they derail your future (sponsor)
Most people who talk about where to retire end up on the coast. Florida ranked first in net adjusted gross income gained through state-to-state moves in IRS migration data for 2022-2023, at $20.6 billion. The less talked-about option is a town built around a university.

#college #Social #security

Welltower (WELL) pays out only 52% of normalized FFO, while Ventas (VTR) raised its dividend 8% and improved leverage to a decade-low 4.4x.
Baby boomers turning 80 now number nearly 70 million, yet builders started only 1,000 new senior housing units last quarter.
Sabra's 6% yield comes with a dividend flat since 2020 and a $102 million non-cash loan loss provision recorded in Q2.
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Senior housing has one of the clearest demand stories in real estate. On its third-quarter call, Ventas (NYSE:VTR) noted that the baby boomer generation, a cohort of nearly 70 million individuals, began turning 80 this year. Builders started only 1,000 units of new senior housing in the quarter. More 80-year-olds and very few new buildings push occupancy and rents higher, but operator health, labor costs, and government reimbursement decide how much of that reaches shareholders. The four REITs below are all equity REITs that own buildings. None is a mortgage REIT. Dividend safety is measured on FFO, FAD, or AFFO coverage, the cash-flow figures REITs actually pay dividends from.

#senior #million #housing #ventas

Bloomberg calculated Dodge's roughly 15,897 Berkshire (BRK-A, BRK-B) shares would have topped $2.7 billion by 2013 if the family held them.
Homer Dodge drove 1,500 miles to hand a 25-year-old Buffett $120,000 in 1956, and the stake grew to $2.1 million by 1970.
The Avenir Foundation received 2,000 Berkshire shares from Dodge's estate and grew from $1 million to $1.2 billion in endowment by late 2024.
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In the summer of 1956, Homer Dodge, a physicist who built the University of Oklahoma's physics and astronomy department, pulled up to Warren Buffett's Omaha house with that canoe strapped to the roof of his car, according to biographer Alice Schroeder's account.

#enter #shares #grew #email

AUSTIN - Mississippi State will show a new face at quarterback when the Bulldogs come to town for a game that Steve Sarkisian and Texas hope replicates last season when the Longhorns won seven of their last eight games.
The Bulldogs started the season at 4-0 and beat teams like Missouri and Minnesota with flashy new quarterback Kamario Taylor before losing three straight, but the dynamic playmaker was lost for the season when he underwent surgery this week for an injured toe.
So the 11th-ranked Longhorns (5-2, 2-2 in SEC) will see either athletic redshirt freshman Billy Puckett or Appalachian State transfer A.J. Swan, who had 12 starts in two years at Vanderbilt and six more at App State, when Mississippi State (4-3, 2-3 SEC) and Texas kick off at 6:30 Saturday night.
BOHLS: Nine things and one crazy prediction
Puckett has completed 66% of his passes with one touchdown and two picks and can make full use of a strong running game centered around Fluff Bothwell, who is much more physical than his name suggests and has four 100-yard games this season.

#mississippi #longhorns

Week 9 of the college football season is officially here! And in the Big Ten, that means another loaded slate of conference games, with UCLA the lone school facing a nonconference opponent.
So what can we expect to see in the league this week? Here are my Big Ten picks for Week 9:
USC's loss in Madison last week looks even worse after this one.
The Terrapins remain winless in Big Ten play.
The Wolverines do not have a quarterback, but they probably do not need one to beat Rutgers.

#week #terrapins

The Minnesota Vikings' unbeaten start has drawn attention to quarterback Kyler Murray, whom an NFL ******* yst identified as the team's most notable offseason addition. Murray's arrival has given Minnesota a new option under center as the club continues its strong run through the 2026 season.
Murray joined the Vikings after the team moved on from its previous quarterback plans, bringing his experience and mobility to the offense. His ability to make plays with both his arm and legs has added another dimension to Minnesota's attack. The move also placed him in a system designed to use his athleticism while maintaining a balanced offensive approach.
Quarterback Kyler Murray (1) runs the ball against the Green Bay Packers during the first half at U.S. Bank Stadium. Mandatory Credit: Jeffrey Becker-Imagn Images
The quarterback's mobility has been a key part of his early impact. Murray can extend plays when protection breaks down and create opportunities outside the pocket, forcing defenses to account for his movement. His scrambling ability can also open passing lanes and provide an additional threat on designed runs, making it more difficult for opponents to anticipate the offense's next move.
Minnesota's early results have strengthened the attention surrounding Murray's role. The Vikings have maintained an unbeaten record, with their defense contributing to the team's success while the offense works to establish consistency. Murray's presence has given the unit flexibility, particularly when plays develop differently than planned or when the defense applies pressure.

#quarterback

Florida baseball coach Kevin O'Sullivan is getting a clearer picture of what his roster could look like as the games begin to count.
The Gators continued their unbeaten fall exhibition schedule Wednesday with a 7-4 win over the Ontario Blue Jays, with Nic Partridge delivering a three-hit night and Florida's bullpen stringing together seven consecutive scoreless innings. The performance gave O'Sullivan another opportunity to move players around defensively and evaluate a pitching staff that he believes has made significant progress.
O'Sullivan spoke with the press immediately following the exhibition about Partridge's breakout fall, Florida's defensive versatility, its emerging bullpen options and the development of several young pitchers.
Here's everything O'Sullivan had to say, with quotes transcribed from Gators Online's YouTube coverage.
I think they all did. Honestly, I think Brady (Snow)'s back was bothering him just a little bit, and I think he kind of tweaked something and didn't say anything. So I thought he threw good. I thought they all threw good.

#thought

Leeds United Under-21s take on Stoke City Under-21s on Saturday afternoon in the fourth Premier League Cup group stage fixture.
After the opening three games, Scott Gardner's side sit second in the Group I standings with four points, knowing a top two finish could ensure progression to the Round of 16.
The Whites began with a goalless draw in the away tie against the Potters before narrowly losing out at Charlton Athletic back in September. United got up and running in the competition last time out, beating Stockport County 3-1.
In the victory over the Hatters, Alfie Cresswell fired the hosts ahead before Carrick Njinko continued his impressive start to the new campaign with a brace to put Leeds three goals to the good before the break.
Following on from that one, the team gained important senior experience as they faced Sky Bet League Two outfit Oldham Athletic in the EFL Trophy, falling to a tight defeat after impressing for large spells at Boundary Park.

#city #saturday #premier

Myles Graham has seen Florida's defense flash its potential throughout the season. The challenge now is making that version of the unit show up consistently.
The Gators took an encouraging step at Texas, overcoming a rough opening two drives before settling in and playing some of their best defense of the season. Graham said the unit gained confidence by playing aggressively, especially when Brad White dialed up the pressure, but still has plenty to clean up ahead of a physical matchup with Georgia.
There's no hiding what this week means to Graham. Florida hasn't beaten Georgia since he arrived in Gainesville, and as one of the veterans responsible for explaining the rivalry to younger players, Graham made his feelings clear: enough is enough.
Here's everything Graham had to say ahead of Florida's matchup with Georgia.
I've seen him grow since day one. The talent has always been there. It was just more of him knowing where to be, where to fit. I've just seen him skyrocket from the first day he got here.

#graham #defense #unit #playing

Oct. 30 (UPI) -- Jordan Love threw three touchdown passes while the Green Bay Packers defense harassed opposing quarterback Bryce Young to beat the Carolina Panthers in primetime.
The Packers quarterback completed 30 of 41 passes for 288 yards in the 27-19 victory Thursday in Green Bay, Wis. Running back Josh Jacobs totaled 42 yards from scrimmage and two scores in the win.
"We talk about how tough these short weeks are," Love told reporters. "We've had two throughout the season so far. The way we came out and just executed today from the get-go was so much better than the last time we played a Thursday night game. That's what it's gotta be about."
The Packers, who overcame two deficits, out-gained their visitors 354-258 in total yards and held a 21-14 advantage in first downs. They scored 21 consecutive points from the start of the second quarter into the third quarter to take control of the Monday Night Football clash.
Green Bay Packers wide receiver Matthew Golden reacts after catching a touchdown pass against the Carolina Panthers on Thursday at Lambeau Field in Green Bay, Wis. Photo by Tannen Maury/UPI

#panthers #passes

British tennis player Harriet Dart qualified for a WTA semi-final for just the second time in her career after she came from a set down to beat Paula Badosa in the quarter-final of the Guangzhou Open on Friday.
The 30-year-old produced one of the biggest wins of her career, coming back from a set down to secure a 3-6, 6-2, 6-4 victory and book her place in the final four of a WTA tournament for the first time since the Transylvania Open in 2024.
Dart had to come through two rounds of qualifying before beating Tatiana Prozorova, Janice Tjen and now Badosa, who had to receive medical attention twice in the match. She will face either Xinran Sun or Claire Liu for a place in her first WTA final.
In an on-court interview, Dart said: "It was an incredible battle. I thought Paula started really strongly. I was always behind, but I knew going in that it was going to be an incredibly tough match.
"I really needed to hang in there in the tough moments, and maybe I'd get a chance. It's been a very long time since I've been in the business end of a (WTA) tournament, so I'm very proud of that."

#paula #Career #down

Baylor School, led by Tennessee commit David Gabriel Georges, travels up to Knoxville Catholic for the TSSAA football Week 11 game on Oct. 30 at Covenant Health Park.
Baylor (9-0, 4-0 DII-AAA East) is unbeaten and averaging more than 40 points per game, with Gabriel Georges above 1,000 rushing yards as the state's top running back.
Freshman quarterback Marshall Manning, the son of Vols legend Peyton Manning, is the Red Raiders' backup behind Ole Miss commit Keegan Croucher.
Catholic (7-2, 2-2 DII-AAA East) is ineligible for the playoffs, so its season ends with the Baylor game. The Fighting Irish has a highly-touted junior class, including Alabama commit Braylen Gibbs and 2028 four-star Brooks Johnston.
Here's what you need to know about today's game, including time, TV schedule and streaming information:

#manning

Baylor School, led by Tennessee commit David Gabriel Georges, travels up to Knoxville Catholic for the TSSAA football Week 11 game on Oct. 30 at Covenant Health Park.
Baylor (9-0, 4-0 DII-AAA East) is unbeaten and averaging more than 40 points per game, with Gabriel Georges above 1,000 rushing yards as the state's top running back.
Freshman quarterback Marshall Manning, the son of Vols legend Peyton Manning, is the Red Raiders' backup behind Ole Miss commit Keegan Croucher.
Catholic (7-2, 2-2 DII-AAA East) is ineligible for the playoffs, so its season ends with the Baylor game. The Fighting Irish has a highly-touted junior class, including Alabama commit Braylen Gibbs and 2028 four-star Brooks Johnston.
Here's what you need to know about today's game, including time, TV schedule and streaming information:

#georges #catholic #manning #including

Novak Djokovic's hopes of making a record 19th appearance at the ATP Finals have been dented by a surprise defeat against Jan-Lennard Struff at the Swiss Indoors in Basel.
Playing in the tournament for the first time in 15 years, the 39-year-old lost 6-7 (4-7) 7-5 7-6 (7-5) - the first time he has been beaten by Struff in nine meetings.
"I knew I needed to go for it. There was only one way to play it. So, I was very, very happy," said the world number 27.
"I knew I had to play my best tennis to have a chance. The last eight times he beat me very, very easily. So, I'm very, very happy and pleased with the performance."
The year's top-eight performers qualify for the ATP event in Turin and this result leaves Djokovic - the men's game's record 24-time Grand Slam winner - 11th in the standings.

#time #first #play #eight

Three academy players scored their first goals for Athletic Club's senior side inside four minutes as Edin Terzić's team beat Prat 6-1 in the Copa del Rey. The late burst came from substitutes in a side rotated with the Basque derby in mind.
On Thursday 29 October, Athletic met Prat in the Copa del Rey round of 128. The tie was played at the Estadi La Feixa Llarga in L'Hospitalet de Llobregat. Its closing stages belonged to Athletic's academy.
Each of the late scorers had come off the bench. Selton Sánchez finished the night with the sixth goal, teed up by Vizcay, whose own strike had started the flurry.
Aritz Conde earned an 8.2 rating from the data provider for his half-hour on the pitch. Imga, aged just 17, had made his first-team debut alongside Vizcay against Getafe the previous Sunday.
EFE reported that Athletic picked a starting XI shaped by the coming Basque derby, giving chances to players such as Yohaneko, Sannadi and Nico Serrano. Those changes did not slow the visitors.

#academy #first