Category: Business

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Dividend shares are in focus as investors, after the first speed, look at a euphoric market at a euphoric market. Many successful dividend investment stories show that choosing dividend paying shares can help carefully generate a reliable income flow.

About three years ago, a dividend investor about R/Dividends shared his detailed income report and said he earned $ 13,000 a year. The initial investment of the Redditor was around $ 330,000, which reached nearly $ 474,000 of his investment trip in about seven years.

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Asked if he uses drop investment strategies, the investor said:

“I am not dropping – I prefer to earn dividends and invest again when I see a good chance. The same with re -balancing. If a share is very overvalued and I see a good cheap, I can reduce funds.”

There were 73 shares in this portfolio. To give you a taste of what kind of shares have yielded the most income for this investor, we have chosen 14 dividend shares with a high return with the biggest contributions to the total annual income of the investor, based on the portfolio screenshots that he publicly shared in his Reddit post.

With an up -to -date dividend yield of 3.2%, ABBVIE Inc. was (NYSE: ABBV) One of the important dividend shares in the portfolio of the Redditor that earns $ 13,000 a year. The screenshots that are shared by the investor showed that the portfolio had 80 shares of the company. In the past year, ABBVIE shares have won around 25%.

Financial services Franklin Resources Inc. (NYSE: Ben) was one of the best interest signs dividend shares in the $ 13,000 income portfolio. The share yields around 5.9% and the company has increased its payouts without a break for more than four decades. The Redditor owned 180 shares of the company. In the past five years, however, Ben’s shares have fallen by around 27%.

With more than 35 consecutive years of dividend increases, Cardinal Health Inc. (NYSE: CAH) One of the safest dividend shares. The Redditor had around 95 shares of the company.

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Daniel Lubetzky, the founder of child Snacks, joins the panel of ordinary sharks to “Shark Tank” and replaces Mark Cuban. But before he became a business Mogul, Lubetzky made a risky relocation of $ 220 million that almost cost him his business. It turned out to be the best decision he has ever made.

In 2008, Kind was still a small player in the snack industry. Lubetzky had just purchased an investment of $ 16 million from a private equity company, VMG Partners. The deal was that he had to sell the company within five years. It seemed like a solid plan, but things were unexpected.

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“Four years after the deal, I realized that the species could get so much bigger,” he reminded himself of CNBC. The sale had risen and Lubetzky thought the company had much more potential. But his investors wanted to cash in and put him under pressure to sell. Instead of admitting, Lubetzky decided to buy back their shares. The problem was that he needed $ 220 million to do it.

This was not a small achievement. Lubetzky had to scrape the company in cash and accept millions of bank loans to make it happen. “Because I had not negotiated the conditions for buying them in advance, it turned out to be very, very duration and very risky. It was a very painful negotiation, “he said.

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He could have losing everything if the sale of child had even fallen somewhat. He had known sleepless nights that every misstep could lead to losing the company that he had built up all the way again.

But Lubetzky believed in friendly and decided to jump. “I felt we had just started,” he said. He was right. The annual turnover of the company almost doubled that year, so that the stage was set for what would come.

Lubetzky transformed his $ 220 million gamble into a huge victory. By the time he decided to sell child to Mars in 2020, the company had collected an amazing $ 5 billion appreciation. He attributes the success of Kind to his decision to buy back his business.

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The legendary investor Ken Fisher has a message for pensioners and those who are retiring – you can set up the allure of “capital retention” for financial disappointment.

Fisher, known for his no-nonsense approach to investing, argued in a New York Post Opinion Report that was published on Monday that the concept of capital retention is promoted as a refuge for pension savings fundamental attribute to the growth that is needed to support a comfortable pension.

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“Growth and true capital retention cannot co -exist in the short term,” Fisher explained. He said that what many consider as “safe” investment strategies often do not keep pace with inflation, so that purchasing power may be eroded over time.

The center of Fisher’s argument lies in the role of market volatility. Although many investors consider the volatility as a threat, Fisher sees it as essential for long -term growth. He said that historically the US shares have risen in 63.1% of the calendar months and 73.5% of the calendar years from 1925 to 2023.

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“Eliminate the [downside] and the [upside] Also disappears, “Fisher said. He claims that attempts to completely avoid market fluctuations, usually resulting in ultra -ow rods, hardly surpass – or even behind – inflation.

The investor was aimed at financial products that promise growth and capital retention and called them ‘fake’.

“Investment strategies that promise both growth and capital retention are Nepbaloney,” Fisher said. “Nevertheless, so many suppliers in different forms – especially in rocky times such as this summer – are different, paddling poor products that are destined to disappoint.

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He warns investors who are particularly wary of insurance -like ‘buffered’ funds and every product that claims ‘upside down without a disadvantage’.

Instead, the investor argues for a clear approach to pension investment. With investors, he insists that the short -term volatility is the entrance fee for long -term growth. For those who cannot tolerate market -ups and downs, he suggests evaluating financial goals, savings and future spending plans.

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JPMorgan & Chase (NYSE: JPM) CEO Jamie Dimon is one of the financial managers who have been resisting the cryptocurrency sector over the years.

Although Dimon’s attitude has somewhat changed with JPMorgan who now possesses Bitcoin through ETFs, his comments about the death of the sector of the cryptocurrency.

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What happened: Dimon probably made some enemies in the cryptocurrency sector with its statements seven years ago.

While speaking at the Barclays Global Financial Services Conference on September 17, 2017, Dimon did not stop his criticism Bitcoin (Crypto: BTC) and the cryptocurrency sector.

Dimon referred to Bitcoin as “Dom” and “Dangerous” and went so far to label the leading cryptocurrency as fraud. The JPMorgan director also said that if he caught one of the employees of his company who buy or sell Bitcoin, he “would dismiss them like that.”

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“It’s against our rules, and they are stupid. And both are dangerous,” Dimon said at the time, as reported by Bloomberg.

During his speech, Dimon predicted that Bitcoin would collapse, whereby the rising valuations in the 1600s in the Netherlands were compared with Tulipmania, when the price of bulbs reached new highlights and then collapsed.

“You can’t have a company where people can invent a currency from scratch and think that the people who buy it are really smart. It’s worse than tulip bulbs.”

Dimon predicted at the time that it would not end well for investors.

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“It will blow up, China has just kicked them out, someone will lose money somewhere else – don’t ask me to be too short, it can be at $ 20,000 before this happens, but it will eventually blow up.”

Dimon was right that Bitcoin hit $ 20,000, but so far it is wrong with the leading cryptocurrency.

On 12 September 2017, Bitcoin traded as high as $ 4,344.65, the day of the comments from Dimon. An investor could have purchased 0.2302 BTC that day with $ 1,000.

Fast forward to today, and the investment of $ 1,000 in what Dimon said was a fraud and something that would become worthless is worth $ 14,574.14. This represents a hypothetical return of +1,357.41% in the last seven years.

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By Harshita Mary Varghese

(Reuters) -Micron technology shares rose around 14% in trade after the hours after the memory maker that was higher than the expected income from the first quarter because of the thirst for his memory chips used in artificial intelligence computing.

Micron is one of the few three providers of HBM chips with high bandwidth (HBM), together with SK Hynix and Samsung in South Korea, so that the American company can be redeemed to semiconductors on request that help improve generative AI technology.

HBM is a space-saving, power-efficient type of dynamic random access memory chip, or dram, crucial for AI-oriented graphic processing units that help process enormous amounts of data.

“The demand from data centers customers remains strong and the customer inventory levels are healthy,” said Sanjay Mehrotra, CEO of Micron, at a conference call with analysts.

The company said in June that his HBM chips, used in the AI ​​processors designed by Wall Street Darling Nvidia, were sold out for the calendar years of 2024 and 2025 with determined prices.

Micron expects record income of approximately $ 8.7 billion, plus or minus or minus $ 200 million in the first quarter of record income and predicts a jump in the gross margin to around 39.5% for the same period.

Analysts had expected a turnover of $ 8.28 billion for the first quarter and the adapted gross margin of 37.7%, according to LSEG data.

The AI ​​Boom has also helped with the cushion of the hit of a memory chip inventory -glut on PC and smartphone markets.

Personal computers infused with AI technologies are expected to have more memory chips, so that companies such as Micron are helped.

AI PCs may have more than 30% more dram and Microsoft’s push to let users change Windows 11 from an older version, especially for commercial PCs in 2025, Summit Insights Senior research analyst Kingai Chan said.

The results of Micron usually set the tone for the chip sector, because it reports before colleagues and serves a wide customer base about the PC, data center and smartphone industry.

“HBM, high capacity memory and flash storage of data center, each of these three product categories will be several billions of dollars in income in 2025,” said Micron’s Chief Business Officer Sumit Sadana.

For the first quarter, the company predicts a customized profit of $ 1.74 per share, plus or minus 8 cents, compared to estimates of analysts of $ 1.65.

(Reporting by Harshita Mary Varghese and Akash Sriram in Bengaluru and Max A. Cherney in San Francisco; Edit by Sounak Dasgupta and Jacqueline Wong)

Intel (Intc) is located in the middle of one of the most tumultuous periods in the 56-year history. Falling sales, missed opportunities to compete in the AI ​​space and a huge turning effort of CEO Pat Gelsinger who wants to return the company to its former glory, turn considerable pressure on the Bottom line of the chip giant and the share race.

And things for the company only become more interesting.

Last Monday, Intel announced that it had signed a deal with Amazon (AMZN) to build adapted chips for Amazon Web Services, a positive sign for the emerging third -party company of the company.

Subsequently, the Wall Street Journal reported on Friday that Qualcomm (Qcom) contacted Intel about a blockbuster -deal that would give Qualcomm a larger foot in the PC and AI spaces. That’s not all. On Sunday, Bloomberg reported that Apollo Global Management (APO) offered to make an investment of millions of dollars in Intel to keep Gelsinger’s reversal forward. (Publication: Yahoo Finance is owned by Apollo Global Management.)

It is a lot to follow and even more to have some feeling. Fortunately I am here to break it all for you.

Intel has to do with sliding sales and the non -enviable position to assume market leader Nvidia in the AI ​​room. For 2023, Intel reported a turnover of $ 54.2 billion, a decrease of 14% on an annual basis compared to the $ 63.1 billion that the company saw in 2022.

That included a decrease of 8% in Intel’s Client Computing Group, which sells chips for PCs; A 20% decrease in data center and AI turnover; And a decrease of 31% in network and edge sales. Intel, however, reported an increase of 103% in its Intel Foundry Services, but that was only $ 952 million.

Part of the misery of Intel originated from the fact that the explosion in PC sales at the start of the Pandemie has sent the client computing group income for various quarters, creating a tree and bust. Consumers bought new computers in large numbers for work and games and sent the income of Chip income. But millions of consumers usually do not buy new PCs at the same time. With so many people who had new computers, there were fewer consumers looking for upgrades and the sale went an extensive slump in those shipments that felled eight consecutive quarters.

However, the sale goes on again. In July IDC said that the PC market grew by 3% in the second quarter, which recorded a second consecutive quarter of growth. But the industry still has a way to go.

At the same time, Intel is confronted with a new threat from Qualcomm, which started his Snapdragon X Elite and X Plus chips in Windows PCS earlier this year as an alternative to the Intel processors. These chips offer improved performance and strength versus Intel’s older supply and are intended to compete with the exceptional M -family of Chips from Apple (AAPL) that feed the MacBooks of electricity.

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However, Intel fights back. Earlier this month, the company showed its Ultra 200V line from processors that it says it can surpass the Chips of Qualcomm.

PC sales flags also influenced graphic giant Nvidia (NVDA), in which the sale of graphic chips of the video game deteriorated after the pandemic tree. But the company, in contrast to Intel, has succeeded in using early investments in AI to take advantage of the increase in interest caused by the debut of OpenAi’s Chatgpt in November 2022.

That helped Catapult Nvidia to the vanguard of the semiconductor industry and sent its shares to extraordinary new heights, with more than 860% in the past two years and 191% in the past 12 months.

Intel works to try to catch Nvidia with his own Gaudi line from AI rapiders. On Tuesday, the company debuted its latest Gaudi 3 AI Accelerator and announced that IBM will use it as part of its IBM Cloud offer.

But with Gartner that estimates that Nvidia checks more than 70% of AI chip sale, it is a tough fight.

Intel also fights for position as a chip manufacturer for external customers. The plan is that the company’s foundry activities operate as a subsidiary of Intel who builds processors for customers who are looking for an alternative to TSMC, one of the largest chip makers in the world

But the Buildout is expensive and Wall Street is not fully sold on the idea. Analysts from Citi Research have said that Intel should completely leave the foundry company, so that it can improve margins and profit per share.

In September, however, Intel announced a deal of millions of dollars to “produce an AI fabric chip for AWS on Intel 18A, the most advanced process junction of the company.” The company is also set to build a modified version of its Xeon 6 -chip for Amazon.

The news comes after Intel announced that Microsoft signed up as a production customer in February. Two large companies are certainly a start for Intel, but it will have to sign a whole series of customers if it hopes to grow his production segment to match competing chip manufacturers.

Intel’s PC and AI -exciting have left it as a potential takeover objective, where Qualcomm and Apollo enter the mix. According to the Wall Street Journal Intel, Qualcomm wants to buy, although it is unclear whether the company would retain all Intel segments or would sell parts of its business segments. The deal will certainly generate many antitrust problems, because the companies are two of the most important chip companies in the US.

In the meantime, Apollo seems to favor Gelsinger’s plans and can invest Intel up to $ 5 billion to follow the effort, Bloomberg reports.

Now investors will have to wait and see if Intel will continue with a company or keep trying to do it alone.

E -Mail Daniel Howley at dhowley@yahoofinance.com. Follow him on Twitter @DanielHowley.

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Micron Stock (MU) rose with 17% for the bell on Thursday after the chip maker predicted higher than expected income for the coming quarter.

Micron projected the turnover of the first quarter of $ 8.5 billion to $ 8.9 billion, above the anticipated analysts of $ 8.3 billion.

Managers attributed the increased guidelines to a more favorable price environment and the robust demand for Micron’s memory chips used in data centers to feed artificial intelligence.

“With the arrival of AI we are in the most exciting period I have seen for memory and storage in my career,” said CEO Sanjay Mehrotra during a phone call on Wednesday afternoon. Mehrotra said that the company enters the 2025 financial year with ‘the best competitive positioning in the history of Micron’.

Executives now expect that the market for high-bandwidth memory (HBM) chips used in AI data centers, in 2025 will increase to $ 25 billion, an increase of $ 5 billion this year and an increased demand for its HBM chips to bring several billions of dollars next year.

Analysts at Wedbush, JPMorgan, TD Cowen and Raymond James repeated their outper formation of the shares, encouraged by Micron’s comments about AI question and recovery in his more traditional markets. For example, they pointed to repairing the demand for micron memory chips from PC and smartphone manufacturers.

Matt Bryson van Wedbush said that the prospects of Micron ‘first quarter’ reflect our conviction that the overall memorial dynamics will probably improve considerably “after the start of next year.

Raymond James -analysts said: “HBM question remains strong and Micron appears firmly on schedule to achieve his goals.”

Micron is the first chip maker to report this profit season of quarterly results. The report gives a first glance at how the semiconductor sector goes in the midst of high expectations of Wall Street.

The company reported a turnover of $ 7.75 billion in its fiscal fourth quarter ending on August 29 – 93% higher than last year and exceeded the $ 7.66 billion expected by analysts, who recently mitigated their expectations. Adapted profit per share of $ 1.18 also exceeded both the top range of Micron’s guidance and the $ 1.11 prediction by Wall Street.

Micron’s memory chip activities have undergone a revival in the past year, because large technology companies pour billions in the semiconductor sector for hardware to power AI data centers.

Micron distinguishes itself by working together with, instead of competing against Superpower Nvidia (NVDA) in the industry. Micron delivers memory chips for Nvidia’s fierce requirements GPUs.

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Investors have amazingly high and increasingly larger standards for AI chip makers, who have often disappointed them in recent months. Micron’s profit in the third quarter of Micron made few investors and the shares plummeted because of the Outlook of the fourth quarter, which came in line with (instead of beating) the expectations of Wall Street.

NVIDIA shares also fell after reporting a quarterly win at the end of August. Despite more than doubling the profit and beating sales forecasts, investors wanted more of the Semiconductor Superpower.

NVIDIA has returned since then and Micron’s fourth quarter results have lifted its shares after a different disappointing few months, in which shares decreased in the mid -June of the highlights in the range of $ 150.

The PHLX Semiconductor Sector Index (^SOX) started repairing a dip at the beginning of the month while Tech shares gathered after the Jumbo Renter reduction of the US Federal Reserve and the wide stimulation package of the Chinese Central Bank. The index has risen almost 6% in the past week.

The company will also benefit from a bill pending the signature of President Joe Biden who would detach the environmental requirements for microchip projects that were financed by the Chips and Science Act. Micron is one of the largest beneficiaries of chips act financing, and the building chips in America act of the American house of delegates Monday would allow access to financing for his projects in Idaho and New York.

Laura Bratton is a reporter for Yahoo Finance.

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• Robert Papalia, 74, retired early to take care of his sick wife, Marie.

• The monthly pension income of $ 5,000 of $ 5,000 are tense by medical accounts and taxes.

• Many Americans are confronted with similar financial struggles, which rely on social security in the midst of high medical costs.

Robert Papalia, 74, had to retire earlier than he intended after his wife Marie, 71, started to get sicker. After working at a telephone company for more than 30 years, he retired at 60 – five years before he intended – to take care of her.

The couple who live in Burlington, New Jersey has struggled financially in recent years. Although they yield around $ 5,000 a month in pension income before taxes, many of them go to medical accounts, high real estate tax and expensive insurance payments. They were not left much at the end of every month, although Papalia said they were not in anger.

“Do we have money in the bank? Yes. Is it a lot of money? No,” Papalia told Business Insider.

We want to hear from you. Are you an older American with lifelong regret that you would share comfortably with a reporter? Fill in this fast.

Many Americans have told BI that they have had trouble preparing themselves financially for the unexpected, such as a sudden emergency or death in the family. Because Americans are increasingly dependent on social security and other pension income to make ends meet, high medical costs can bring years of pension planning out of balance.

Papalia had a goal to retire in 2015 at the age of 65, so that he could receive social security benefits and saved sufficiently that money would not be a huge problem. In 2010, however, he withdrew to take care of his wife full -time and took a buy -out from his company that lasted until 2014.

Marie, a lifelong diabetes, had treated medical problems throughout her life, including loss of eyesight in her right eye, static hypertension and low blood sugar levels. She got a prosthetic eye after she had experienced retinal damage.

Marie’s medical care was expensive, and the couple also caused two dogs, both of which had expensive medical problems.

Marie needed around the clock, and Papalia thought it was worth retirement to retire with her early to ensure that she would stay as healthy as possible. In 2012 she had a heart attack that forced them to pause their plans to sell their home in New Jersey to move to an area in Pennsylvania with lower costs of living.

In 2014, Marie underwent an open heart surgery after doctors discovered a 95% of the main artery of her heart. Papalia said that year was when the finances became much tighter – he added that Marie took eight or nine recipes every day. She has trouble walking in recent years and has familiar with a wheelchair.

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• The Hedgefonds manager Eric Jackson believes that an “all -rally” can maintain the stock market.

• Jackson compared the economic environment with the Bullmarkt of 1982, when the rates fell and the economy grew.

• Renij reductions, economic growth and changes in the revenue curve prefer risk assets.

The non -repellent rise in the stock market can become an “all -rally”, says the hedge fund manager Eric Jackson of EMJ Capital.

In an interview on Tuesday, Jackson told CNBC that the current environment of economic growth and interest rates reminded of the early days of the Bull Market 1982, one of the best performing progress of the stock market of all time.

In the first 10 months of the Bull market of 1982, the Nasdaq rose 107%, Jackson noted.

“The last time that the yield curve was reversed for so long and then finally broke to the advantage as we recently saw, in a benign economic environment where rates are falling, was August 1982,” Jackson said.

He added: “And when that happened, there was a rally of the stock market that lasted 10 months. Nasdaq rose by 107% during those 10 months. So I think we could have an all -rally.”

That would mean that everything from Small-Cap technology shares to the Mega-Cap-Tech shares would get higher together.

The combination of interest rates of the Federal Reserve, resilient economic growth and the on-inversion of the interest curve is generally a favorable environment for risk provisions, especially if inflation remains modest.

When a similar scenario took place in the summer of 1982, the S&P 500 launched a five -year bullmarkt that delivered a total return of 229% and an annual profit of 26.7%, the second highest annual profit ever, according to data from First Trust.

The non-inversion of the two-year-old and 10-year-old US Treasury Yield Curve is significant because it has been in a negative area for about 26 months, the longest in history.

The revenue curve finally went positive earlier this month.

The revenue curve that flashed between positive and negative and positive, is considered a reliable recession indicator, but with the economy still in good condition, this time seems to be different, as in 1982.

Read the original article about Business Insider

• Almost half of the Americans who retire with 65 risks without money, says Morningstar.

• Single women are confronted with a 55% chance of exhausting funds, higher than single men and pairs.

• Experts advise better tax planning and diversified investments to reduce pension risks.

If you retire on the standard era of 65, get stuck because you want to hear it.

According to a simulated model that factors in things like changes in health, costs for nursing homes and demography, about 45% of Americans who leave the workforce at 65 will probably no longer have any money during retirement.

The model, run by Morningstar’s Center for Retirement and Policy Studies, showed that the risk is higher for single women, who had a 55% chance of having no money versus 40% for single men and 41% for couples.

The group that is most susceptible to end in this situation are those who have not played for a pension plan, according to Spencer Look, the Associate Director of the Center. Yet pension advisers say that even those who think they are prepared are not.

It is a major problem, says Joepat Roop, the president of Belmont Capital Advisors, who has helped customers set up income flows for their retirement years. What many could surprise is that one of the biggest mistakes that people make is not so much about how much they save, but how they plan around what they save.

To be more specific, says Roop, what pensioners are overwhelmed taxes and lack of planning around them. Many assume that they will be in a lower tax bracket as soon as they stop receiving a salary. But from his experience, pensioners often remain in the same tax bracket or can even end up in a higher one.

“It’s wrong in so many ways,” said Roop. After his retirement, the expenditure habits of most people remain the same or go up. If you have more free time, more money goes to entertainment and travel, especially in the first few years of retirement. The outcome is a higher recording rate that you can push in a higher tax bracket, he noticed.

People spend their career in a 401 (K) or an IRA because they allow contributions before taxes. It sounds like a great advantage if you can lower and postpone your taxes. The disadvantage is that recordings are taxed.

His solution is to add a Roth IRA, an account after taxes that may become tax -free. In this way, for a year in which you have to withdraw a higher amount, you can resort to that account instead, he noticed.

Another big mistake that people make is Move money in an inefficient way This means that they are more taxes than they should or should lose in future declarations. This can be to choose to withdraw a large amount from an investment account to pay off a mortgage or buy a house.

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