same
Anyone investing heavily this year??
- Thread starter rph2005
- Start date
Waiting on the next dip
Might split before that happens
this
Vanguard announcing our largest-ever reduction in expense ratios
Vanguard is lowering the expense ratios across 87 of our funds, delivering an expected $350 million in savings for investors this year.1 It's the largest expense ratio reduction in our 50-year history. What does this mean for you? Lower expense ratios leave more money in your funds and raise their potential returns. And even small differences in expense ratios can have a big impact over the long term.
Vanguard is lowering the expense ratios across 87 of our funds, delivering an expected $350 million in savings for investors this year.1 It's the largest expense ratio reduction in our 50-year history. What does this mean for you? Lower expense ratios leave more money in your funds and raise their potential returns. And even small differences in expense ratios can have a big impact over the long term.
Announcing the largest expense ratio reduction in Vanguard history | Vanguard
Effective February 1, 2025, the company has lowered the expense ratios of 168 share classes across 87 funds.
investor.vanguard.com
Not bad but if you are looking for low fees nothing is touching Fidelitys zero fee fundsVanguard announcing our largest-ever reduction in expense ratios
Vanguard is lowering the expense ratios across 87 of our funds, delivering an expected $350 million in savings for investors this year.1 It's the largest expense ratio reduction in our 50-year history. What does this mean for you? Lower expense ratios leave more money in your funds and raise their potential returns. And even small differences in expense ratios can have a big impact over the long term.
Announcing the largest expense ratio reduction in Vanguard history | Vanguard
Effective February 1, 2025, the company has lowered the expense ratios of 168 share classes across 87 funds.investor.vanguard.com
Hmmm.... some in congress are a little... shook:
https://www.yahoo.com/news/deepseek-download-criminalized-us-could-214925455.html
DeepSeek download to be criminalized in US, could mean 20 years in prison, $100M fine
Kaif Shaikh
Mon, February 3, 2025 at 4:49 PM EST3 min read
A newly introduced bill from Senator Josh Hawley (R-MO) is drawing attention for its unprecedented severity in restricting Chinese artificial intelligence (AI), specifically targeting technologies like DeepSeek.
The bill, which Hawley filed last week, intends to “prohibit United States persons from advancing artificial intelligence capabilities within the People’s Republic of China, and for other purposes.” Analysts say the proposed legislation, if passed, could effectively outlaw the use of DeepSeek, the emerging Chinese AI competitor, within the United States.
Key provisions and consequences for DeepSeek download
Under Hawley’s proposed law, “technology or intellectual property” developed in China would be barred from importation into the U.S. Anyone found violating these restrictions could face up to 20 years in prison, as well as substantial monetary penalties of up to $1 million for individuals and $100 million for companies. According to Harvard AI research fellow Ben Brooks, the measure stands out as “easily the most aggressive legislative action on AI” to date.
Although the bill was tabled soon after its introduction, often a signal that a proposed law is losing momentum, the fact it was proposed at all signifies a growing sense of urgency in Congress.
Lawmakers remain alarmed by the sheer speed and scale of DeepSeek’s rise, which also contributed to a $1 trillion stock market selloff last week. DeepSeek captured international attention earlier this month by matching the performance of top-tier U.S.
AI chatbots use far fewer resources. Its efficiency has fueled fears in Washington that American technology companies could be wasting billions of dollars, especially if smaller-scale alternatives prove just as capable. Lawmakers also worry that AI breakthroughs in China could accelerate military or surveillance technologies.
Hawley and some of his colleagues argue that banning AI exports or imports tied to China would protect national security as well as U.S. economic interests.
According to The Washington Post, Hawley and Senator Elizabeth Warren (D-MA) criticized the slow pace of action by the Biden administration before it imposed new limits on the export of high-performance AI chips to China in 2022.
“Multiple administrations have failed — at the behest of corporate interests — to update and enforce our export controls in a timely manner,” Hawley and Warren wrote in an appeal to Congress. “We cannot let that continue.”
Impact on U.S. tech and Nvidia’s uncertain role
Nvidia, one of the world’s leading AI chipmakers, has become a focal point for this debate. Its stock plummeted in the largest one-day loss for any company in history, leaving many questioning whether the AI giant will continue supplying chips to Chinese entities.
Last Friday, Nvidia’s CEO Jensen Huang met with President Donald Trump. Details of the meeting are scarce, though a spokesperson told Reuters that they “discussed the importance of strengthening US technology and AI leadership.” Trump remarked, “I can’t say what’s gonna happen,” describing it as a “good meeting.”
The abrupt emergence of DeepSeek and China’s broader AI prowess has magnified concerns about national security and control over AI technologies, which have become essential over the years.
Some lawmakers argue that letting a Chinese AI tool flourish in the United States could pose the same privacy and security issues surrounding the TikTok debate. Although Congress approved a TikTok ban last year, the restriction still hangs in limbo, partly because President Trump reversed his original support and opted not to enforce it.
With new bills like Hawley’s appearing to restrict or even criminalize the importation and use of Chinese AI, the possibility of legislative overreach remains an open question. Critics argue that lawmakers are partly motivated by protecting U.S. markets from competitive threats rather than addressing national security concerns.
Nonetheless, pressure is likely to continue, given the scale of DeepSeek’s disruption and the fragile state of AI-related markets. Whether or not a formal ban on DeepSeek materializes, the bill’s introduction highlights the intensifying scrutiny on Chinese AI and could shape future technology policies within the United States.
https://www.yahoo.com/news/deepseek-download-criminalized-us-could-214925455.html
DeepSeek download to be criminalized in US, could mean 20 years in prison, $100M fine
Kaif Shaikh
Mon, February 3, 2025 at 4:49 PM EST3 min read
A newly introduced bill from Senator Josh Hawley (R-MO) is drawing attention for its unprecedented severity in restricting Chinese artificial intelligence (AI), specifically targeting technologies like DeepSeek.
The bill, which Hawley filed last week, intends to “prohibit United States persons from advancing artificial intelligence capabilities within the People’s Republic of China, and for other purposes.” Analysts say the proposed legislation, if passed, could effectively outlaw the use of DeepSeek, the emerging Chinese AI competitor, within the United States.
Key provisions and consequences for DeepSeek download
Under Hawley’s proposed law, “technology or intellectual property” developed in China would be barred from importation into the U.S. Anyone found violating these restrictions could face up to 20 years in prison, as well as substantial monetary penalties of up to $1 million for individuals and $100 million for companies. According to Harvard AI research fellow Ben Brooks, the measure stands out as “easily the most aggressive legislative action on AI” to date.
Although the bill was tabled soon after its introduction, often a signal that a proposed law is losing momentum, the fact it was proposed at all signifies a growing sense of urgency in Congress.
Lawmakers remain alarmed by the sheer speed and scale of DeepSeek’s rise, which also contributed to a $1 trillion stock market selloff last week. DeepSeek captured international attention earlier this month by matching the performance of top-tier U.S.
AI chatbots use far fewer resources. Its efficiency has fueled fears in Washington that American technology companies could be wasting billions of dollars, especially if smaller-scale alternatives prove just as capable. Lawmakers also worry that AI breakthroughs in China could accelerate military or surveillance technologies.
Hawley and some of his colleagues argue that banning AI exports or imports tied to China would protect national security as well as U.S. economic interests.
According to The Washington Post, Hawley and Senator Elizabeth Warren (D-MA) criticized the slow pace of action by the Biden administration before it imposed new limits on the export of high-performance AI chips to China in 2022.
“Multiple administrations have failed — at the behest of corporate interests — to update and enforce our export controls in a timely manner,” Hawley and Warren wrote in an appeal to Congress. “We cannot let that continue.”
Impact on U.S. tech and Nvidia’s uncertain role
Nvidia, one of the world’s leading AI chipmakers, has become a focal point for this debate. Its stock plummeted in the largest one-day loss for any company in history, leaving many questioning whether the AI giant will continue supplying chips to Chinese entities.
Last Friday, Nvidia’s CEO Jensen Huang met with President Donald Trump. Details of the meeting are scarce, though a spokesperson told Reuters that they “discussed the importance of strengthening US technology and AI leadership.” Trump remarked, “I can’t say what’s gonna happen,” describing it as a “good meeting.”
The abrupt emergence of DeepSeek and China’s broader AI prowess has magnified concerns about national security and control over AI technologies, which have become essential over the years.
Some lawmakers argue that letting a Chinese AI tool flourish in the United States could pose the same privacy and security issues surrounding the TikTok debate. Although Congress approved a TikTok ban last year, the restriction still hangs in limbo, partly because President Trump reversed his original support and opted not to enforce it.
With new bills like Hawley’s appearing to restrict or even criminalize the importation and use of Chinese AI, the possibility of legislative overreach remains an open question. Critics argue that lawmakers are partly motivated by protecting U.S. markets from competitive threats rather than addressing national security concerns.
Nonetheless, pressure is likely to continue, given the scale of DeepSeek’s disruption and the fragile state of AI-related markets. Whether or not a formal ban on DeepSeek materializes, the bill’s introduction highlights the intensifying scrutiny on Chinese AI and could shape future technology policies within the United States.
Everybody can't sell naked spreads...gotta have some stock to back it
spreads are not naked they are defined risk. I guess you need to qualify to sell spreads with your broker.
Yea I don't do spreads like that..my coworker loves them...I want all my money
I hold VONG in my ROTH fee dropped from %.08 to %.07.Vanguard announcing our largest-ever reduction in expense ratios
Vanguard is lowering the expense ratios across 87 of our funds, delivering an expected $350 million in savings for investors this year.1 It's the largest expense ratio reduction in our 50-year history. What does this mean for you? Lower expense ratios leave more money in your funds and raise their potential returns. And even small differences in expense ratios can have a big impact over the long term.
Announcing the largest expense ratio reduction in Vanguard history | Vanguard
Effective February 1, 2025, the company has lowered the expense ratios of 168 share classes across 87 funds.investor.vanguard.com
Surveys of Consumers
www.sca.isr.umich.edu
Preliminary Results for February 2025
| Feb | Jan | Feb | M-M | Y-Y | |
| 2025 | 2025 | 2024 | Change | Change | |
| Index of Consumer Sentiment | 67.8 | 71.1 | 76.9 | -4.6% | -11.8% |
| Current Economic Conditions | 68.7 | 74.0 | 79.4 | -7.2% | -13.5% |
| Index of Consumer Expectations | 67.3 | 69.3 | 75.2 | -2.9% | -10.5% |
Read our January 24th report, January 2025 Update: Current versus Pre-Pandemic Long-Run Inflation Expectations
Next data release: Friday, February 21, 2025 for Final February data at 10am ET
Surveys of Consumers Director Joanne Hsu
Consumer sentiment fell for the second straight month, dropping about 5% to reach its lowest reading since July 2024. The decrease was pervasive, with Republicans, Independents, and Democrats all posting sentiment declines from January, along with consumers across age and wealth groups. Furthermore, all five index components deteriorated this month, led by a 12% slide in buying conditions for durables, in part due to a perception that it may be too late to avoid the negative impact of tariff policy. Expectations for personal finances sank about 6% from last month, again seen across all political affiliations, reaching its lowest value since October 2023. Many consumers appear worried that high inflation will return within the next year. Interviews for this release concluded on February 4.
Year-ahead inflation expectations jumped up from 3.3% last month to 4.3% this month, the highest reading since November 2023 and marking two consecutive months of unusually large increases. This is only the fifth time in 14 years we have seen such a large one-month rise (one percentage point or more) in year-ahead inflation expectations. The current reading is now well above the 2.3-3.0% range seen in the two years prior to the pandemic. Long-run inflation expectations ticked up from 3.2% last month to 3.3% this month. Long-run inflation expectations remain elevated relative to the 2.2-2.6% range seen in the two years pre-pandemic.
We ate there once after covid. The kids never asked for it again. Come to think of it, we used to love Chick Fil A too, but its never requested on nights we eat out.
I find them expensive escpecially chick-fila, with what your paying your better off paying a little more and going to a fridays/chillis type restaurant.
They were charging $10 for a double cheeseburger and small fries. Not even medium but small. There was also the fact that different locations after midnight had weird ass price surges. If you were to be in the suburbs the prices would be noticeably cheaper than they were in the urban portion of Phililadelphia.
Elon Musk making a play to buy open AI
I’m curious to see how this situation will unfold for Sam now that Elon has not only the president’s ear but also the president’s pen.
The work was done with a chip that's less than. 005% of whatever they're talking about.
Elon has been trying to gain control of Open AI for a minute. They have a history. Weird that this would drop outta no where, clearly some fukry from Elon since it now looks like Altman is tellin him to fuck off.
autogpt.net
www.theverge.com
www.pcgamer.com
Elon Musk Challenges OpenAI's Profit-Driven Shift in US Court
Explore Elon Musk's legal battle with OpenAI over its profit-driven shift. Discover how this impacts AI's future and innovation.
autogpt.net
Inside Elon Musk’s messy breakup with OpenAI
Musk cut off funding and departed the board in 2018.
www.theverge.com
OpenAI claims Elon Musk 'demanded absolute control, and to be CEO' while also agreeing to ditch its non-profit status back in 2017, despite him now suing it for turning decidedly for-profit
It's not just a case of 'he said, she said': OpenAI has released DMs and emails about the whole thing.
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So that was Elon's play. Tesla is getting a beating in Europe and China I was wondering Why Elon was acting like he doesn't care.