Anyone investing heavily this year??
- Thread starter rph2005
- Start date
Did you go with the SPAXX or FDIC Insurance/Partner Banks?
Also found this vid to comparing with Schwab Investor Checking
Right now the FDIC account which is like 2.7%, but I may switch to the SPAXX.
Probably call them to get a better understanding.
AMD just signed a 5 billion deal, I’m gonna see how much the options hit for this time
SPAXX is safe and shit has to go south for you to lose money on it, you just don't get that fdic assurance.
How a small group of nuns in rural Kansas vex big companies with their investment activism
Among corporate America’s most persistent shareholder activists are 80 nuns in a monastery outside Kansas City. The Benedictine sisters of Mount St.
apnews.com
She needs both houses to raise 44% on CGT. By the way, you could eliminate the 25% tax on unrealized gains by not allowing people to borrow against their stock.
None of these will pass...it's just lip service to her base for votes
I’m going to call my homie that’s a CPA and get the real deal. Niggas on this board and Twitter just be making up shit
Toyota to test Tesla-style EV gigacasting machine at Japan plant
NAGOYA, Japan -- Toyota Motor will install a giant gigacasting machine at a Japanese plant as soon as this year, Nikkei has learned, looking to lower electric vehicle production costs by adopting a technique perfected by Tesla.
Located at a production center in Aichi prefecture, the machine will be one of the largest pieces of casting machinery in Japan. It will be capable of 9,000 tonnes of clamping pressure. Gigacasting machines typically apply at least 6,000 tonnes of force.
Gigacasting involves creating large modules for vehicles by fusing multiple components together using molten aluminum alloy that is fed into a molding machine at high pressure.
By molding several components together in a single step, an EV maker can reduce the vehicle's mass and improve production efficiency. The more pressure available, the bigger the pieces the machine can make.
The Lexus LF-ZC, an EV set to be released in 2026, will use gigacasting for parts.
$TM
PwC Confirms BC Mortgage Broker Greg Martel Was Running $317M+ Ponzi Scheme
PricewaterhouseCoopers also says 930 creditors have filed a total of $317M in claims against Martel and Shop Your Own Mortgage.
storeys.com
B.C. mortgage broker ran $270-million Ponzi scheme, then fled Canada, bankruptcy trustee says
The trustee appointed to manage the bankruptcies of a Victoria mortgage company and its owner has concluded that they committed "numerous offences" and operated as a "massive Ponzi scheme."
Trustee concludes Victoria broker Greg Martel ran a massive Ponzi scheme
My Mortgage Auction was the vehicle through which Martel took investor money
B.C. man who stole nearly US$1 million from investors sentenced to 3 years in prison: regulator
A North Vancouver man who stole nearly US$1 million from investors over a 10-year period has been handed a three-year prison sentence, according to B.C.'s financial markets regulator.
Crown seeks jail for North Vancouver day trader who fleeced friends
More than $1.6 million was lost in bad trades
www.nsnews.com
Man gets jail time for allegedly stealing nearly US$1M from investors | Investment Executive
The man and his company were not registered to trade securities, BCSC says
www.investmentexecutive.com
Diversifying wealth: Real estate investing through private alternatives | Investment Executive
In this webinar replay, learn about the rise of private alternatives as well as real estate investment opportunities within the private alternative space.
www.investmentexecutive.com
Canada’s Financial Industry Newspaper | Investment Executive
Investment Executive has the latest news and analysis on investment products, industry news and securities regulation for financial advisors.
www.investmentexecutive.com
Hell, the market expected six in 2024, but that didn’t happen.
If your interest rate is around 3% does a heloc still male sense?
Given how high current rates are I think 3% is pretty damn good.
HELOC at 3%? Is that a promotional period?
Ive heard about them for years but dont know enough. Will do my research. Would love to knock out my mortgage faster. Been putting an extra $300 each month since I got it but have a long way to go.
Apple (AAPL) is planning to unveil the latest iPhones, watches and AirPods on Sept. 10 during a launch event, Bloomberg reported Friday, citing people familiar with the matter.
The phones will go on sale Sept. 20, according to the report.
The phones will go on sale Sept. 20, according to the report.
5 smart ways to use a high-yield savings account
High-yield savings accounts are known for their competitive interest rates. So what’s the best way to use a high-yield savings account? Here are five options to consider.
The plug-in hybrid, long a fringe technology in the car business, is gaining some traction.
As automakers slow-walk plans to roll out more fully electric vehicles in response to lighter-than-expected consumer interest, more are embracing plug-in hybrids, which run on battery power for about 20 to 40 miles before reverting to a gas engine.
The technology has been on the market for more than a decade, but sales hadn't taken off until recently. Some automakers shied away from offering them because of the added cost and engineering complexity -- they essentially require two ways to power the car, packed under one hood. The relatively small number of models available also were pricier than gas-powered cars, limiting their appeal.
Now, car companies are finding more reasons to offer plug-in hybrids, which provide another path beyond full EVs to meet tougher U.S. tailpipe-pollution rules. Ford Motor said this past week that it canceled plans for a fully electric large SUV and instead will offer hybrid versions, potentially including plug-ins.
The number of plug-in-hybrid models on sale in the U.S. has nearly doubled since 2019, to 47, according to automotive-research site Edmunds. These include well-known nameplates such as the Toyota RAV4 and Ford Escape compact SUVs.
Dealers say some car shoppers who are interested in going electric still want the security of a gas engine. Buyers also are finding that, with hefty support from automakers and the federal government, plug-in hybrids can sometimes be the cheapest option.
Bria Adams, a 28-year-old firefighter from Central Massachusetts, once considered herself a "naysayer" on electric vehicles. This past spring, though, she pounced on a plug-in hybrid Jeep Wrangler at her local dealership that was about $200 a month cheaper to lease than the gas SUVs she browsed.
Adams said the Jeep is surprisingly quiet when running on electricity. "It was definitely a switch from driving pickup trucks for most of my life," she said.
Toyota Motor in the early 2000s popularized conventional hybrids with its original Prius, which combines a small battery and motor to assist the gas engine and improve fuel efficiency. Plug-in hybrids like the Prius Prime take the concept further, with batteries large enough to power the car on electricity alone for short trips.
A few years ago, plug-in hybrids seemed destined to fade as the industry rushed to develop full EVs. Now some automakers are giving them another look, partly because EV demand has been lighter-than-expected.
For example, General Motors was one of the first companies to offer a plug-in hybrid with its 2010 launch of the Chevrolet Volt. The Detroit automaker phased out the Volt in 2019, declaring its future in EVs. Now GM plans to bring back plug-in hybrids, starting in 2027.
Plug-in hybrid sales in the U.S. jumped 59% in the first quarter of this year from a year earlier, and their share of the overall market -- while still small -- has roughly doubled since 2022, to 2.4%, according to research from Cox Automotive.
The technology is growing at a faster rate globally, led by China, where plug-in hybrids are projected to account for 15% of the market this year, according to consulting firm AlixPartners.
In the U.S., much of the growth of plug-in hybrids has been driven by regulations, analysts say.
The Jeep Wrangler and Grand Cherokee alone accounted for about one-third of U.S. plug-in hybrid sales during the first half of 2024, according to data from research firm Motor Intelligence.
Yet, there is "limited natural demand" among Jeep customers for electric range in their rugged SUVs, said John Morrill, who owns Planet Chrysler Jeep Dodge in Franklin, Mass. Sales of the plug-in Jeeps are supported by "very aggressive" manufacturer discounts of up to $12,000 a vehicle, plus a $7,500 federal tax credit if the vehicles are leased, he said.
"A lot of people come in and say, 'I don't want a hybrid,'" Morrill said. But after the salesperson explains it is $70 cheaper a month than the gas version, "they say, 'I'll take the hybrid.'"
Global automaker Stellantis, parent company of Jeep, Ram, Dodge and Chryser, has paid hefty federal fines for failing to meet emissions rules in the past, a byproduct of its fuel-thirsty vehicle lineup. The company, which only this year started selling a fully electric vehicle in the U.S., is leaning into plug-in hybrids as a way to comply with state and federal laws.
Stellantis in recent years has limited the stock of regular, gas-only Jeeps for Morrill and other dealers in about a dozen states that have adopted California's stricter emissions rules.
"Plug-in hybrids balance the need to reduce vehicle emissions and offer consumers an entry point to electrified vehicles," a Stellantis spokesperson said.
Now, federal regulatory changes will ensure more plug-in hybrids hit the market in coming years, auto executives and analysts say.
The Environmental Protection Agency in March completed new tailpipe-emissions thresholds to crack down on pollution limits for model years 2027 through 2032. The EPA said plug-in hybrids would likely play a bigger role in helping the industry hit those targets than the agency originally envisioned.
Mainly because of the EPA rules, Toyota will expand its plug-in hybrid lineup from the RAV4 and Prius, while making plug-ins more widely available, said David Christ, group vice president at Toyota Motor North America.
German auto giant Volkswagen is strongly considering plug-in hybrids for its U.S. lineup, said Lyndon Lie, executive vice president of Volkswagen Group of America. For now, it is a better business than EVs, he said.
"You can make money on a [plug-in hybrid] or at least break even...and give the customer something that they are more comfortable with," he said.
Plug-in hybrids have their detractors. Some clean-energy advocates say they have fewer environmental benefits than advertised because many drivers don't plug them in and rely mostly on the gas engine.
Adams, though, routinely charges her Wrangler at her firehouse, and loves saving on gas. "And I feel like I'm doing a little bit for the environment," she said. "A tiny amount."
$TM
As automakers slow-walk plans to roll out more fully electric vehicles in response to lighter-than-expected consumer interest, more are embracing plug-in hybrids, which run on battery power for about 20 to 40 miles before reverting to a gas engine.
The technology has been on the market for more than a decade, but sales hadn't taken off until recently. Some automakers shied away from offering them because of the added cost and engineering complexity -- they essentially require two ways to power the car, packed under one hood. The relatively small number of models available also were pricier than gas-powered cars, limiting their appeal.
Now, car companies are finding more reasons to offer plug-in hybrids, which provide another path beyond full EVs to meet tougher U.S. tailpipe-pollution rules. Ford Motor said this past week that it canceled plans for a fully electric large SUV and instead will offer hybrid versions, potentially including plug-ins.
The number of plug-in-hybrid models on sale in the U.S. has nearly doubled since 2019, to 47, according to automotive-research site Edmunds. These include well-known nameplates such as the Toyota RAV4 and Ford Escape compact SUVs.
Dealers say some car shoppers who are interested in going electric still want the security of a gas engine. Buyers also are finding that, with hefty support from automakers and the federal government, plug-in hybrids can sometimes be the cheapest option.
Bria Adams, a 28-year-old firefighter from Central Massachusetts, once considered herself a "naysayer" on electric vehicles. This past spring, though, she pounced on a plug-in hybrid Jeep Wrangler at her local dealership that was about $200 a month cheaper to lease than the gas SUVs she browsed.
Adams said the Jeep is surprisingly quiet when running on electricity. "It was definitely a switch from driving pickup trucks for most of my life," she said.
Toyota Motor in the early 2000s popularized conventional hybrids with its original Prius, which combines a small battery and motor to assist the gas engine and improve fuel efficiency. Plug-in hybrids like the Prius Prime take the concept further, with batteries large enough to power the car on electricity alone for short trips.
A few years ago, plug-in hybrids seemed destined to fade as the industry rushed to develop full EVs. Now some automakers are giving them another look, partly because EV demand has been lighter-than-expected.
For example, General Motors was one of the first companies to offer a plug-in hybrid with its 2010 launch of the Chevrolet Volt. The Detroit automaker phased out the Volt in 2019, declaring its future in EVs. Now GM plans to bring back plug-in hybrids, starting in 2027.
Plug-in hybrid sales in the U.S. jumped 59% in the first quarter of this year from a year earlier, and their share of the overall market -- while still small -- has roughly doubled since 2022, to 2.4%, according to research from Cox Automotive.
The technology is growing at a faster rate globally, led by China, where plug-in hybrids are projected to account for 15% of the market this year, according to consulting firm AlixPartners.
In the U.S., much of the growth of plug-in hybrids has been driven by regulations, analysts say.
The Jeep Wrangler and Grand Cherokee alone accounted for about one-third of U.S. plug-in hybrid sales during the first half of 2024, according to data from research firm Motor Intelligence.
Yet, there is "limited natural demand" among Jeep customers for electric range in their rugged SUVs, said John Morrill, who owns Planet Chrysler Jeep Dodge in Franklin, Mass. Sales of the plug-in Jeeps are supported by "very aggressive" manufacturer discounts of up to $12,000 a vehicle, plus a $7,500 federal tax credit if the vehicles are leased, he said.
"A lot of people come in and say, 'I don't want a hybrid,'" Morrill said. But after the salesperson explains it is $70 cheaper a month than the gas version, "they say, 'I'll take the hybrid.'"
Global automaker Stellantis, parent company of Jeep, Ram, Dodge and Chryser, has paid hefty federal fines for failing to meet emissions rules in the past, a byproduct of its fuel-thirsty vehicle lineup. The company, which only this year started selling a fully electric vehicle in the U.S., is leaning into plug-in hybrids as a way to comply with state and federal laws.
Stellantis in recent years has limited the stock of regular, gas-only Jeeps for Morrill and other dealers in about a dozen states that have adopted California's stricter emissions rules.
"Plug-in hybrids balance the need to reduce vehicle emissions and offer consumers an entry point to electrified vehicles," a Stellantis spokesperson said.
Now, federal regulatory changes will ensure more plug-in hybrids hit the market in coming years, auto executives and analysts say.
The Environmental Protection Agency in March completed new tailpipe-emissions thresholds to crack down on pollution limits for model years 2027 through 2032. The EPA said plug-in hybrids would likely play a bigger role in helping the industry hit those targets than the agency originally envisioned.
Mainly because of the EPA rules, Toyota will expand its plug-in hybrid lineup from the RAV4 and Prius, while making plug-ins more widely available, said David Christ, group vice president at Toyota Motor North America.
German auto giant Volkswagen is strongly considering plug-in hybrids for its U.S. lineup, said Lyndon Lie, executive vice president of Volkswagen Group of America. For now, it is a better business than EVs, he said.
"You can make money on a [plug-in hybrid] or at least break even...and give the customer something that they are more comfortable with," he said.
Plug-in hybrids have their detractors. Some clean-energy advocates say they have fewer environmental benefits than advertised because many drivers don't plug them in and rely mostly on the gas engine.
Adams, though, routinely charges her Wrangler at her firehouse, and loves saving on gas. "And I feel like I'm doing a little bit for the environment," she said. "A tiny amount."
$TM
Agreed, last time i remember rates being that low was coming out of the 2008 crisis
Yeah just like @doe moe and @BlackGoku mentioned that is great. I took a HELOC for a down payment on my new crib back in 2022 and it was at 6%.
I believe he was saying his current mortgage rate is 3% and he wants to know if its worth taking a HELOC out at current rates
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