#Investor earning distribution

[syndicationpro]

Real estate syndication is among the lucrative businesses in the modern era. It is crucial to understand the structure and investor earning distribution in real estate syndication. Checkout figure out the investment distribution in real estate syndication.

[fresh-bag-of-ham]

seeking urbanism / housing advocacy advice (because you're the only person i follow who both posts about it and does it): my city (primarily a college town, population < 100k) is holding a community discussion about ways to increase affordable housing, including inclusionary zoning and other zoning reforms. what kinds of policy ideas / comments are best to bring to this as A Member Of The Public? does inclusionary zoning work like it's supposed to? are there other specific zoning reforms that work well? i know getting rid of parking minimums is a big one, but i don't know if that's achievable here yet.

MY TIME HAS COME.

First of all, if the forum is about 'affordable housing', then you may need to start with drawing the connection between affordability and increasing housing supply. There are a lot of tangents you can go down in a discussion of affordable housing, but the crucial point to get across is that increasing housing supply on its own makes housing costs go down. Investor speculation in real estate, e.g., happens because supply is constrained and those are the conditions where real estate values reliably go up, creating profit. It is a symptom, not a cause. See also: landlords in Austin, TX melting down on Twitter because they're increasing supply so fast there that they're having to lower rents. Video recently studied and shown to be 3x more effective for changing people's minds about supply-side housing than other interventions.

INCLUSIONARY ZONING. a.k.a. mandating that for any development with more than X units, Y% of those units must be 'affordable' units reserved for families earning Z% area median income. In a perfect world, all housing would be mixed-income housing. In practice, the effectiveness of IZ depends almost entirely on what you set Y% at. About five years ago, our local DSA passed a referendum increasing Y% from 10% to 25%. This change has basically stalled all housing development that this applies to because the projects just don't pencil. You need subsidy to build affordable housing, you have to cobble that subsidy together from a lot of different funding sources, and all these sources have different requirements on how their funding can be used. Your problems become twofold: (1) Most subsidies for affordable housing want you to build something that's more like 80-100% affordable, so a 25%-affordable development won't get funding. (2) The subsidy available for affordable housing is finite, so even if your 25%-affordable development were able to get subsidy, that necessarily is taking subsidy away from somewhere else. The same number of affordable units will be built, IZ just ends up trying to dictate how those units are distributed. It mainly ends up kneecapping market-rate housing construction, which, again, adding market-rate housing puts downward pressure on housing prices.

Our prior level of 10% IZ seemed to work ok..? but I would caution strongly against relying on IZ if you are supply constrained, which, I can't imagine you're not. A buzzy new strategy for mixed-income housing creation is "social housing" -- AOC wrote about it in the NYT last week, here's a talk about it that I admittedly haven't watched yet. This is what's getting traction here as DSA is tentatively walking back support for their very aggressive IZ policy that has not created the affordable housing they wanted it to.

If you have parking minimums, KILL THAT SHIT. We were successful in advocating for our table of parking minimums to be turned into parking maximums. Add/increase bike parking minimums, bike theft is a HUGE deterrent from biking here, so having a safe place to store your bike at home is critical if you want anyone to start leaving behind their cars. You also probably want to look at dimensional standards: increase heights, reduce setbacks, increase lot coverage maximums, reduce lot size minimums, if you're anything like our city then you probably have even more and weirder constraints you'll want to relax so new buildings can be bigger and hold more units. You probably have just straight up caps on number of units per lot -- kill single-family zoning, get at least 4 units or something per lot allowed! Lot area per dwelling unit is a particularly terrible constraint, basically creating a minimum amount of land you have to own in order to be able to have a home. Horrible! Kill it!

My personal preferred urban form is the perimeter block enabled by single-stair apartment buildings that's common throughout Europe and basically anywhere outside of the US and Canada. This will take reforms at multiple levels before it becomes possible even here, but Seattle-based architect Michael Eliason (@holz_bau on Twitter) has stair-pilled me on this form so powerfully, and https://secondegress.ca/ makes the extremely compelling (Canada-centric) case for allowing single-stair apartment buildings, which for us means changing building code at the state level. #goals, though.

I have had a lot of practice recently writing and organizing public comment to advocate for this stuff so I would be happy to talk messaging/strategy at any point, I could go on and on about this subject! I'm so thrilled that you're asking about this though, it's so important to get involved and show up at these kinds of meetings, because the people who reliably show up to these things are the retiree busybodies with nothing but free time to oppose every type of change imaginable and are the ones who got us into this situation in the first place.

[riyagupta0472]

Finding Your Investment Path: A Simple Guide

In the vast ocean of financial opportunities, finding the right investment scheme can feel like searching for a needle in a haystack. Every individual's financial goal, risk tolerance, and investment horizon are unique, making it crucial to navigate through the diffrent of options available in the market. From fixed income to equity and everything in between, understanding the various investment schemes is key to building a robust and diversified portfolio tailored to your needs.

Fixed Income: Let's begin with the fundamentals. Your investment portfolio's fixed income investments are similar to the consistent beat of a drum. The traditional examples are bonds and certificates of deposit (CDs). They are the best option for people looking for stability because they provide predictable returns at a lower risk. And you can earn average 8-10% return. Managed Portfolios: Do you like someone else to do the grunt work? You may want to consider managed portfolios. These expertly managed funds provide a hands-off approach to investing, catered to your financial objectives and risk tolerance.

Insurance: Although the main goal of insurance is to provide protection, several plans also include investment options. For example, life insurance policies give you coverage and the opportunity to gradually build up cash value; for the astute investor, this is a two-for-one offer. Derivatives: At this point, things become a little more intricate. The value of derivatives is derived from underlying securities or indexes. This group includes swaps, futures, and options. They can be employed speculatively or for hedging, but they're not for the timid. but do not invest in derivatives until and unless you are expert in this field.

Credit Instruments: Now let's talk about credit instruments, which include peer-to-peer lending websites and corporate bonds. With the range of risk and return potential offered by these products, you can tailor your portfolio to your degree of risk tolerance. Equities: Ah, the stock market, the global investor community's playground. Purchasing stock entails obtaining ownership of shares in publicly traded corporations. It's all about dividends and growth potential, but be prepared for market turbulence. Keep it straightforward: align your investments with your time horizon, risk appetite, and goals. To distribute the risk, diversify between several programs. And keep up with market developments at all times. Recall that there isn't a single, universal strategy for investing. Discover what works for you and get to work accumulating wealth!

[mariacallous]

The imposition of the largest sanctions program since the Second World War in response to Russia’s full-scale invasion of Ukraine remains a key tool for limiting the Kremlin’s war machine. But it has inadvertently also had substantial secondary and tertiary effects, from the rewiring of European energy networks to myriad lawsuits over what insurers should have to pay for the Kremlin’s seizure of over 400 Western aircraft.

These unintended consequences have garnered far less attention than the intended ones, but the former are still multiplying and there are tens of billions of dollars already at stake in them. While sanctions rightfully continue to be tweaked to maximize their impact, policymakers have not paid due attention to the legal spats and sanctions challenges that have already arisen in their wake. Their outcome will greatly determine the effectiveness of the sanctions and the extent to which the Kremlin or the West will bear their cost.

This is not the first time the West has had to deal with such issues. At the outbreak of the war with Japan in 1941, the U.S. seized assets and businesses owned by Japanese nationals on its soil, acting under the Trading with the Enemy Act. These actions, while directed primarily at the war-time adversary, inevitably wrought a lot of collateral damage, as investors in Japanese enterprises, their creditors, or depositors in Japanese-owned banks, were often the American public.

It took years to untangle the resulting mess. And yet, when all was said and done, the U.S. Supreme Court and Congress acted to protect the interests of these investors, and ensure both the orderly liquidation and the equitable distribution of proceeds to those affected. Thus, the depositors of Yokohama Specie Bank, had their claims on the “yen certificates” preserved in a decision by the U.S. Supreme Court in 1967, allowing the certificate holders to recover at least some economic value from proceeds of the bank’s liquidation.

In short, there is a blueprint for handling the legal spats that result from waging economic war. That blueprint, in broad terms, is to act forcefully against the economic interests of the enemy, yet make full use of the institutions of law and justice for the interests of affected parties at home.

Today, as Russia and the West remain engaged in a full-scale economic war, this blueprint seems largely ignored. What we see instead, is perhaps the opposite: The adversary ruthlessly subverting the toolkit of the “rules-based international order” for its benefit with lawsuits that seem to lead Western institutions down the path of treading softly where Russian interests are concerned, while Western investors and, of course, Ukraine take the brunt of the costs and receive little or no protection.

Consider the June G-7 summit, where member states united on a plan for using the returns earned by Russia’s $300 billion in frozen sovereign assets to aid Ukraine, of which $200 billion are held as cash and securities at the Belgian financial company Euroclear. Leaders of the G7 have agreed to effectively monetize the future income flow on the frozen assets, and turn it into an immediate $50 billion in loans to Ukraine. This is as stark an acknowledgement as possible that Russia’s assets will not be returned to it any time soon, even if outright seizure is off the table for now following a chorus of complaints that doing so would not be compatible with international law.

Nevertheless, Brussels has insisted Kyiv will not receive any of the five billion euros that the frozen assets have generated thus far and continues to tread softly against Russia and its proxies. The reason: Euroclear itself is worried about lawsuits brought by Russia over this action and its freezing of other securities affected by the Western sanctions regime.

According to Euroclear, it is facing “a significant number of legal proceedings…almost exclusively in Russian courts,” where “the probability of unfavourable rulings is high since Russia does not recognize the international sanctions.”

This reveals a fundamental flaw in the arguments made by proponents of the so-called “rules-based international order.” Russia can appeal to its structures too—and, slowly but surely, make sanctions even less effective than they already are. Meanwhile in the West, the powers that be continue to dither, and ignore the blueprints for economic confrontation from the past.

Russia’s efforts here are already advancing: thus the suits against Euroclear, and the efforts of Mikhail Fridman—the sanctioned Russian oligarch—to return the nearly $16 billion of his former assets through an arbitration claim under the Soviet-Belgium-Luxembourg Bilateral Investment Treaty. As its name gives away, the pact actually even predates Russia’s establishment as an independent state and was inherited from the Soviet Union. It has not been updated since, but cannot be so easily unwound—its final clause notes that it applies to investments made before its hypothetical abrogation for 15 years thereafter.

It is also this treaty that Russia would ultimately use to try and have its domestic court rulings against Euroclear and other Western institutions enforced. We can be sure that there is more to come: Russia has already promised “endless legal challenges” if its assets or the income on these assets are seized. One of the largest such clashes is likely imminent, and will require politicians decide how to proceed. On 7 June the Permanent Court of Arbitration awarded Uniper, which was taken over after being bailed out by the German state, €13 billion in damages from Gazprom over Putin’s decision to toggle Europe’s gas taps in 2022, which forced Germany to bail out Uniper. A Russian arbitration court, on the other hand, has awarded Gazprom €14 billion from Uniper in the dispute. Berlin aims to re-IPO Uniper but will hardly be able to do so with such an albatross hanging above it.

It is therefore all the more remarkable that Western policymakers have not yet addressed how they intend to overcome such risks, nor why Russia remains permitted to take advantage of Western legal system under circumstances of a full-scale economic warfare.

Potential vulnerability to legal action by Russia and its proxies, and a lack of credible or coherent response by the West appears to have led Euroclear to take a number of actions that are clearly not in the Western interest and are often inconsistent with its past practices.

The clearing house has, for example, refused to label a number of securities as being in default in cases where the underlying entity has chosen to default rather than being forced to into default by sanctions. This has not just affected Russian corporate borrowers but even the debts of the government of neighboring Belarus. Belarus’ sovereign Eurobonds that were due to be repaid in early 2023 and are still unpaid, and thus in “default”; but Euroclear has instead designated these as “matured”. This semantic choice has significant implications, blocking the clearing and settlement of these bonds and thus impacting Western creditors – while Belarus, a key ally to Russia in its war, remains (intentionally or not) shielded from the full consequences of its default.

Good explanations for these actions are lacking, but it does appear that Euroclear has, in effect, accepted Belarus’ purported excuse: that sanctions prevent it from paying. But not all sanctions are a barrier to payment—certainly not those that have been imposed on Belarus. Notably, the Development Bank of Belarus, which faces a similar sanctions regime as the sovereign government, successfully made its coupon payment in November 2022, which was, albeit with delay, passed on to the bondholders by Euroclear. Suspension of payments, then, is simply a policy choice, and indeed, the Development Bank ultimately followed the sovereign and suspended payments as well, and this year failed to repay its Eurobonds at maturity. Euroclear took the same action with respect to the Development Bank’s bonds: they are marked as “matured” instead of “in default”.

This sort of leniency, and, seemingly, a fear of calling a “default” on a Russian ally, is without precedent, and completely at odds with the approaches by rating agencies, investors, the World Bank, the ISDA Determinations Committee (as it relates to Russia) and Euroclear’s own actions as to other sovereigns. In the recent past, the defaulted bonds of Sri Lanka, Lebanon, Zambia are all correctly marked by Euroclear as “in default” and continue to settle.

For Western creditors of Belarus, its Development Bank and the similarly placed Russian corporate borrowers, the block on trading and settlement by Euroclear is clearly harmful. For Russia and its ally, the lack of a “default” label by a key player in the Western financial infrastructure looks oddly protective. It also makes a mockery of the fact that sanctions are meant to constrain the inflow of funds to Russia and its allies instead of limiting their outflow and reducing the resources available to Russia and its allies to pursue an unjust war.

How should Western policymakers respond to these challenges? Firstly, by looking at the existing playbook for economic war, and treating as many claims as standard defaults and bankruptcies as possible. Secondly, by recognizing that the “international rules-based order” is in fact largely a set of established norms, particularly when it comes to creditor disputes, and that Russia has spent at least the last decade seeking to undermine these—beginning with its attempt to muck up Ukraine’s restructuring in 2014, something that continues to wind its way through the English courts.

That is the least that can be done to protect Western interests, free up more funds for Ukraine, and defang the Kremlin’s attempts to weaponize international law and institutions.

[dkaufmandevelopment]

Blackstone Surges to Record High: A Closer Look at Their Impressive Q3 Results

Blackstone, the world's largest commercial property owner, achieved a remarkable milestone on Thursday as its shares surged to a record high. This impressive performance comes on the heels of better-than-expected third-quarter results and an improved real estate investment performance. Let’s dive into the factors driving this success and what it means for the market.

Key Highlights from Q3

In the third quarter, Blackstone invested or committed a staggering $54 billion, marking the highest amount in over two years. This surge in investment activity is attributed to the Federal Reserve’s recent rate cut in September, which significantly reduced the cost of capital. The U.S. central bank’s previous rate hikes had stymied real estate deals and financing, leading to increased defaults in the office market affected by corporate cost-cutting and the rise of hybrid and remote work.

Stephen Schwarzman, Blackstone’s Chief Executive, emphasized the positive impact of the rate cut, stating, “Easing the cost of the capital will be very positive for Blackstone’s asset values. It will be a catalyst for transaction activity.” This sentiment was echoed by Jonathan Gray, President and Chief Operating Officer, who noted that while commercial real estate sentiment is improving, it remains cautious.

Strategic Investments and Areas of Focus

Blackstone has been proactive in planting the “seeds of future value” by substantially increasing its pace of investment. A key area of focus is the revolutionary advancements in artificial intelligence (AI) and the associated digital and energy infrastructure. In September, Blackstone announced the $16 billion purchase of AirTrunk, the largest data center operator in the Asia-Pacific region. This acquisition is part of Blackstone’s $70 billion investment in data centers, with over $100 billion in prospective pipeline development.

Other notable investment themes include renewable energy transition, private credit, and India’s emergence as a major economy. These strategic areas highlight Blackstone’s commitment to innovation and growth.

Recovery in Commercial Real Estate

The Blackstone Real Estate Income Trust (BREIT), a benchmark for the industry, reported a 93% slump in investor stock redemption requests from a peak. This indicates a recovery in investor confidence and a shift towards positive net inflows of capital. BREIT’s core-plus real estate investments, which include stable, income-generating, high-quality real estate, showed a 0.5% decline in Q3 performance, an improvement from a 3.8% drop over the past 12 months. The riskier opportunistic real estate investments posted a 1.1% increase, reversing previous declines.

Student Housing and Data Centers

Among rental housing, student housing has emerged as a significant focus. Wesley LePatner, set to become BREIT CEO on Jan. 1, highlighted the structural undersupply in the U.S. student housing market, emphasizing its potential as an all-weather asset class. BREIT has consistently met investor redemption requests for several months, showcasing strong performance.

Furthermore, the demand for data centers remains robust. QTS, which Blackstone took private in 2021, recorded more leasing activity last year than the preceding three years combined. Such sectors, once considered niche, are now integral to the commercial real estate landscape.

Financial Performance and Outlook

Blackstone’s third-quarter net income soared to approximately $1.56 billion, up from $920.7 million a year earlier. Distributable earnings, profit available to shareholders, rose to $1.28 billion from $1.21 billion. Total assets under management jumped 10% to about $1.11 trillion, driven by inflows to its credit and insurance segment.

The Path Forward

As Blackstone continues to navigate the evolving market landscape, it remains focused on identifying “interesting places to deploy capital.” With a robust investment strategy and a keen eye on emerging trends, Blackstone is well-positioned for future growth.

Join the Conversation: What are your thoughts on Blackstone’s impressive Q3 performance and strategic investments? How do you see these trends impacting the broader real estate market? Share your insights and engage with our community!

[exitrowiron]

Investing 101

Part 1 of ?

A Tumblr mutual has asked me to explain brokers and stocks; I'm not an investing expert but I will share what I know (or what I think I know). The investing subreddit is a great source for those who really want to know the details.

What are stocks? When you buy a company's stock you own a small portion of the company. If a company has issued 100 shares and you purchase 1 share, you own 1/100th of the company. Most companies start out as private enterprises (i.e. owned by one of more individuals) and if the company is successful it may want to sell shares (i.e. go public). Going public is a major milestone in the life of a company. The process of issuing shares, quarterly reports, etc. is highly regulated by the SEC and requires audits, the creation of a board of directors and regular financial reporting, all in an effort to protect investors. In light of this expense, it's fair to wonder why an owner would want to go through the hassle of going public and giving up control of some (or all) of their company.

Going public (i.e. selling shares/stock) is a way of generating capital for the company. Perhaps a company needs an infusion of cash to build a new factory or expand to a new market... new stock issuances often include statements from the company about how it intends to use the proceeds. Issuing public shares is also a way to reward owners and key employees by giving them a way to get cash out of the business. Imagine you started a business 20 years ago and always funneled the company's earnings back into the business to help it grow. You may have a valuable business, but you have all your eggs in that basket and don't have cash to invest in other ways, buy a yacht etc. Likewise, you may have promised key employees partial ownership of the business, this is a way for them to cash-in also.

Regardless of the motivation, companies issuing stocks can choose to sell partial or full ownership of the company. Successful entrepreneurs often choose to retain majority ownership in the business - shareholders may collectively only own 40% of the business, for example, and have the right to elect 2 of 5 directors to the board. This kind of strategy allows the founder to have his cake and eat it too (i.e. cash-out some of the value of the business while still retaining control). A company can also sell various types of shares, each with different benefits. For example, a company may sell Preferred Shares, which are guaranteed to receive a dividend before other shares. Or the company may issue voting and non-voting shares (this is another way for a founder to retain control). Most retail investors (individuals like you and me), purchase Common Shares which have voting rights and are eligible for dividends.

What is a dividend? If you own a part of a company, it is reasonable to expect that you receive your proportionate share of the earnings right? The distribution of a company's earnings to shareholders is called a dividend. Companies may distribute dividends quarterly, annually or in the case of start-up or fast growing companies, not at all. Netflix for example, which had $8.19B in revenue and $1.49B in earnings in 2022 HAS NEVER PAID A DIVIDEND. Likewise, TESLA has never paid a dividend.

Why would anyone want to own shares in companies which don't pay dividends? It isn't at all uncommon for early stage and/or high growth companies to not pay dividends. The thinking is that the growth prospects for the company are so attractive, the money is best spent by reinvesting in the business. Of course there's an expectation that at some point in the future the business will mature and begin paying dividends. This is what happened with Microsoft and Apple for example. As long as the company continues to show accelerating growth, investors will overlook the lack the dividends, betting that the overall value of the company (and intrinsic value of the shares) will grow as well. Again, Netflix and Tesla are good examples of that.

This leads to the conclusion that there are two ways to make money from stocks - dividends and increases in the share price. I may not be concerned if I own a stock with a share price which has been stuck at $100 for the last 5 years if that company is paying me a $10 dividend every year. I'm still earning a 10% return on that investment. Conversely, I may be equally happy owning a stock which has never paid a dividend but is now worth $150 dollars versus my original purchase price of $100.

Stocks whose value is primarily derived from their reliability for generating dividends are called Value stocks. Stocks whose value is primarily derived from the growth of the stock price are called Growth stocks - Netflix and Tesla are examples of Growth stocks; Microsoft and Ford are examples of Value stocks. Admittedly this can be confusing; I remember our first broker asking if we were Value or Growth investors. It seems like a silly question; can't we have both? In truth, older investors like me tend to be Value investors... we like the reliability (and cash flow) of stable companies that declare dividends every quarter. Growth stocks can be exciting, but the stock prices can be volatile and older investors have little tolerance for volatility. Value stocks tend to be stable companies in stable industries. Growth companies are all about the future; there is an opportunity for much greater rewards, but that comes with more risk. Over a longer investing horizon (>10 years), a broad portfolio Growth stocks will likely outperform an equally broad portfolio of Value stocks. Old people don't have a long investing horizon, but young people do and each group's investment portfolio should be biased accordingly.

Next Post - how to buy stocks.

[valvicos]

BonkCash Presale: Innovative Digital Token Launched on the Solana Blockchain

Introduction

Basically, the cryptocurrency landscape calls for serious investments which is usually the talk of the town. However, a cryptocurrency platform, BonkCash ($BONKC), emerges with a twist, a breath of fresh air and a playful, experimental venture that changes the script on traditional notions of value and utility. Deployed on the Solana blockchain, BonkCash invites users to engage with a digital token that eschews the weighty expectations typically associated with cryptocurrencies. Instead, it offers a fanciful journey through the realm of financial entertainment, embracing the idea that sometimes, the best experiences are those that prioritize fun over financial return.

Imagine the $BONKC token as a vibrant dance floor, alive with the dynamic movements of market forces. The symbolic 'R' in BonkCash's movement represents a lively dance, where price fluctuations create a rhythm that is both exciting and unpredictable. This isn't just another token; it's a unique ride decorated with disco lights, capturing the essence of joy and freedom. BonkCash is designed for those who want to immerse themselves in the experimental side of the crypto world, letting go of the stress of traditional investments and simply enjoying the ride.

BonkCash recognizes that many investors crave an experience that go beyond financial gain. The project stands firmly on the principle that $BONKC holds no essential value, utility, or promise of financial returns. Instead, it is an exploration of the intersection between digital currency and entertainment, aiming to create a community that appreciates the sheer delight of participating in something different. As BonkCash embarks on this space dance, it invites users to join in on the fun, reminding us that sometimes the journey is more important than the destination.

BonkCash, symbolized as $BONKC, is an innovative digital token launched on the Solana blockchain. Designed purely for entertainment and experimental purposes, $BONKC does not hold any intrinsic value or promise of financial returns. Unlike traditional cryptocurrencies, BonkCash has no dedicated roadmap or promise of utility, making it a unique addition to the landscape of digital assets.

BonkCash Presale: An Experimental Journey on the Solana Blockchain

The Presale Opportunity: As part of its introduction to the market, BonkCash is hosting a presale that allows early investors to acquire $BONKC at a special rate: 1 SOL for 1,000,000 $BONKC tokens. This presale is an exciting opportunity for participants to secure their stake in the token before its official launch. With a straightforward entry point—0% selling tax and no fees—the presale aims to promote accessibility and encourage participation from a wide audience. Investors can dive into this venture without the worry of hidden costs, making it easier to engage with the token and its community.

Airdrop Mechanism: Central to the appeal of $BONKC is its unique airdrop mechanism designed to foster community involvement. Unlike many other tokens, which often rely on complex strategies for growth, BonkCash aims to create excitement through periodic airdrop events. Token holders can earn rewards by engaging with the community—simply by following social media channels, tweeting about the project, and showcasing their support.

The airdrop process is automated, with a Telegram bot facilitating the distribution of tokens. For every point earned through community activities, participants can convert their points into $BONKC tokens, creating an engaging and interactive experience. The community plays a significant role in determining the conversion ratio after the token is officially listed, emphasizing collective involvement in the growth of $BONKC.

To further bolster this community-centric approach, 5% of the total token supply is allocated for the “airdrop bomb,” designed to reward the top 50,000 active Solana wallets. This strategic distribution ensures that the most engaged users are recognized, while also enhancing the BonkCash brand within the crypto ecosystem.

The R-Trajectory: A Funky Price Movement: BonkCash aims to distinguish itself from other meme tokens by introducing what it calls the "R" trajectory, a playful metaphor for the token's price movement. Instead of the typical downward trends often associated with memecoins, BonkCash aims for an upward trajectory, likened to a dance floor where price dynamics groove to the rhythm of the market. This unique concept positions $BONKC as a light-hearted and enjoyable investment option -  inviting participants to experience the thrill of a special ride in the crypto space.

Community and Engagement: The BonkCash ecosystem places a strong emphasis on community involvement. By leveraging social media engagement, the project encourages participants to contribute actively, creating a vibrant atmosphere of shared excitement. The presale not only provides a financial opportunity but also fosters a sense of belonging among participants, turning investors into community members who collectively navigate the ups and downs of the token's journey.

Pre-sale Details

● The amount for presale is 1,000,000,000 BONKC tokens.

● End of Pre-sale: 2024-12-20 12:00 (UTC).

● Pre-sale price 1 SOL = 1,000,000 BONKC. Min buy 0.5 SOL, Max buy 10 SOL.

● Use your wallet to send SOL to the presale address provided on this platform. Our system will automatically send BONKC tokens to your wallet instantly. You can send SOL any amount.

● The distribution of BONKC will be based on SOL time arrived. First come, first served.

● Once the presale is over. 30% of the funds raised will be locked in RAYDIUM liquidity. Similarly, 30% of the funds raised will be used for listing on Huobi and Hotbit exchanges. The other 40% of the funds raised will be used to buyback BONKC tokens after Pre-sale. This action will prevent people from dumping.

Tokenomics

Token Name: BonkCash

Symbol: $BONKC

Blockchain: Solana

Total Supply:  100%

1 Billion $BONKC will be minted in total. They will be distributed into 8 main pools, each with different unlocking schedules.

Liquidity Pool (17%):  Fully Unlocked at Launch

Ecosystem (15%):  10% unlocked 1 month after launch. Remaining 90% unlocks continuously from year 1 to year 4.

Presale (50%):  Fully unlocked at launch

Contributors (5%):  33% unlocked at year 1. Remaining 67% unlocks continuously from year 1 to year 2.

Partnerships and marketing (3%):  25% unlocked at launch. Remaining 75% unlocks continuously from year 1 to year 4.

Airdrop bomb (5%):  Fully unlocked at launch

CEX launchpool (2%):  Fully unlocked at launch

Advisory (3%):  33% unlocked at year 1. Remaining 67% unlocks continuously from year 1 to year 2.

Roadmap

October, 2024

Official website launched & smart contract deployed Pre-sale & Airdrop Started Pre-sale & Airdrop Started Developing the BonkCash platform

December, 2024

Pre-sale completed Airdrop distributed Listed on Raydium Listed on Coinmarketcap and CoinGecko The second marketing campaign

March, 2025

BonkCash listed on Hotbit, Binance and Coinbase exchanges BonkCash platform launched. Launch swap platform, staking program and liquidity pool. The third marketing campaign.

July, 2025

Launch of mobile apps and DeFi wallet Launch of the Borrow platform Listed on the top 10 CMC Exchange. Roadmap update

Conclusion

As the BonkCash presale progresses, participants are encouraged to embrace the spirit of experimentation and creativity that defines the project. This isn't about chasing profits or guaranteeing returns; it’s about engaging with a digital asset that revels in its purposelessness, inviting users to explore a space where entertainment takes precedence over traditional financial metrics. The $BONKC token represents a chance to be part of a unique narrative—a journey that doesn’t adhere to the conventional trajectories seen in most cryptocurrencies.

BonkCash symbolizes a shift in perspective, one that encourages participants to dance to the rhythm of market dynamics without the burden of expectation. It champions a community-driven ethos, inviting individuals from all walks of life to experience the thrill of something new and unexpected. By focusing on enjoyment and experimentation, BonkCash seeks to cultivate an environment where creativity flourishes, and the exploration of digital tokens becomes a joyous adventure rather than a calculated risk.

While many financial projects prioritize immediate gains, BonkCash stands out as a reminder that the crypto space can also be a playground, an arena for innovation, fun, and community engagement. As $BONKC embarks on its unique journey, participants are not merely investors; they are dancers on a vibrant floor, celebrating the unpredictable nature of this digital landscape. BonkCash invites everyone to join the festivities, offering an experience that promises to be as entertaining as it is unconventional. The presale isn't just an entry point; it’s an invitation to be part of something truly special, a lively, special celebration in the heart of the crypto world. Bonkcash have come to change the narrative by making crypto lovers to see the other side of the crypto space.

For more information about BonkCash please visit the following websites:  (formula)

Website: https://bonkcash.io/

Telegram: https://t.me/BonkCashOfficial

Twitter: https://x.com/BonkCash

Whitepaper: https://bonkcash.io/whitepaper.html

Bitcointalk Campaign: https://bitcointalk.org/index.php?topic=5512819.0

#cryptocurrency #Airdrop #Bitcoin #BonkCash #BonkCash

Author’s Information

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[cryptoolivia]

What Exactly is Cryptocurrency? A Comprehensive Guide to Get You Started!

The term cryptocurrency has been gaining increasing attention over the past few years, capturing the interest of both investors and the general public. But what exactly is this emerging digital asset? How does it work, and what does it mean for someone new to the world of crypto? In this guide, we’ll walk you through the basics, from the core concepts to real-world applications, offering a complete insight into the rapidly evolving world of cryptocurrency.

What is Cryptocurrency?

Cryptocurrency is a digital asset built on blockchain technology. Unlike traditional currencies, it is not issued by central banks but is created and managed through decentralized technology. The key characteristics of blockchain are its openness, transparency, and immutability, which allow for secure transactions without the need for intermediaries like banks or other financial institutions.

Bitcoin (BTC), created in 2009, is the first and most well-known cryptocurrency. Its creator, Satoshi Nakamoto, aimed to leverage blockchain technology to build a new financial system that operates independently of traditional banking institutions. Since then, countless other cryptocurrencies have emerged, including Ethereum (ETH), Ripple (XRP), and many more.

Different cryptocurrencies have different design goals. Some are used for payments, others for executing smart contracts, while others are primarily investment or store-of-value tools. In essence, cryptocurrencies emerged to address issues in the traditional financial system, such as high transaction fees, long settlement times, and lack of transparency.

Cryptocurrency and Blockchain: The Relationship

To understand cryptocurrency, it’s essential to grasp the underlying technology — blockchain. Simply put, blockchain is a distributed ledger where all participants can view transaction records, but no one can arbitrarily alter them. Each time a transaction is completed, it’s added to a "block," and these blocks are linked in chronological order to form a chain — hence the name "blockchain." This setup ensures that every step of the transaction is traceable and nearly impossible to manipulate.

Another critical feature of blockchain is decentralization, meaning that no single entity controls the system, which, in theory, enhances its security and transparency. The reason cryptocurrencies are so popular is largely due to the independence that blockchain technology provides from traditional financial systems.

Beyond Payments: Cryptocurrency’s Other Use Cases

Although cryptocurrencies were initially designed as digital payment systems, their applications have grown exponentially over time. Here are a few common use cases:

Payment Systems: Cryptocurrencies like Bitcoin are widely used as global payment tools, especially in regions where traditional payment systems are inaccessible, such as countries with unstable political or economic conditions.

Smart Contracts and Decentralized Applications (DApps): Ethereum, beyond being a cryptocurrency, is also a platform for developing smart contracts — self-executing contracts that automatically enforce terms without human intervention. These contracts have broad applications across industries like law, finance, and logistics.

Decentralized Finance (DeFi): DeFi is one of the hottest trends in the crypto world. It aims to create a decentralized financial system where users can lend, borrow, trade, and earn interest on crypto assets without intermediaries like banks. DeFi is seen as more transparent and efficient compared to traditional banking systems.

NFTs and Digital Art: NFTs (Non-Fungible Tokens) are unique digital assets stored on the blockchain. Each NFT has a unique identifier, making it impossible to copy or divide, which has led to their popularity in digital art and collectibles markets.

How to Buy Cryptocurrency?

For beginners, the most common way to buy cryptocurrency is through a crypto exchange. These platforms provide a convenient interface for users to convert fiat money (like USD, EUR, or TWD) into cryptocurrency. Popular exchanges include Binance, Bitget,OKX，Gate·io， Kraken and Bybit. These platforms typically support various payment methods, including bank transfers, credit cards, and third-party payment systems.

Here’s a basic guide to purchasing cryptocurrency:

Create an Account: Choose an exchange and create an account. Most exchanges require identity verification to comply with KYC (Know Your Customer) regulations.

Deposit Funds: Once registered, you can deposit funds via bank transfer or another payment method.

Choose a Cryptocurrency and Place an Order: After depositing, you can select the cryptocurrency you want to purchase, set the quantity, and place an order. Most exchanges offer market orders (buying at the current price) or limit orders (setting a target price).

Transfer to a Wallet: Once your purchase is complete, it’s recommended to transfer your cryptocurrency to a private wallet for safekeeping. Wallets can be online, hardware, or paper-based.

Security Concerns Around Cryptocurrency

While blockchain technology itself is highly secure, cryptocurrency transactions still come with significant risks. Some of the most common include:

Market Volatility: The price of cryptocurrencies can fluctuate wildly in short periods, offering high returns but also posing substantial risks, especially for newcomers.

Scams and Hacking: Fraudulent schemes, like "rug pulls" (where project creators disappear with investors’ money), are common. Exchanges are also frequent targets for hackers, making it crucial to choose a reputable platform and store assets in a secure personal wallet.

Regulatory Risk: Cryptocurrency regulations vary widely across different countries. Some nations ban crypto trading, like China, while others, like the U.S., Singapore, and Hong Kong, are more open. Investors need to be aware of local regulations, especially regarding tax reporting and asset management.

The Future of Cryptocurrency: Opportunities and Challenges

While cryptocurrency has seen significant growth, it still faces several challenges, including market volatility, regulatory uncertainty, and the need for improved user experiences. Stablecoins, like USDT and USDC, have emerged to address price volatility, offering a more stable investment option. However, as governments increasingly seek to regulate the sector, the industry’s transparency and legitimacy are likely to improve over time.

On the technological front, high-energy consumption is a critical issue for some cryptocurrencies, especially Bitcoin. However, projects like Ethereum's switch to a Proof-of-Stake (PoS) model, which is more energy-efficient than traditional Proof-of-Work (PoW), signal an environmentally friendly future for blockchain. With continuous advancements in technology and growing mainstream adoption, cryptocurrency is poised to become a significant part of our daily lives.

Conclusion

Cryptocurrency represents a transformative financial tool, offering new possibilities through decentralization, transparency, and efficiency. From Bitcoin to Ethereum, and from DeFi to NFTs, the scope of cryptocurrency’s application continues to expand, offering unprecedented opportunities for investors, developers, and everyday users.

Despite its potential, investing in cryptocurrency carries risks, particularly in terms of volatility, security, and regulatory uncertainty. However, for those willing to invest time in understanding the landscape and remaining patient as the technology matures, cryptocurrency presents an exciting frontier to explore.

Whether you’re a beginner or a seasoned crypto enthusiast, understanding the fundamental concepts and future prospects of this rapidly evolving field is key to thriving in the industry. As technology continues to develop and mainstream applications grow, cryptocurrency could become an integral part of our financial system, reshaping our understanding of money, transactions, and assets.

[vophuocthien]

How to Optimize Your Crypto Investments

With the rapid pace of modern life, it seems that only professional traders can afford to leave their full-time jobs and concentrate solely on trading. For someone like me who values security and doesn't have the time to monitor the market 24/7, finding ways to generate income with minimal effort is appealing. This approach allows me to participate in crypto without the constant stress and time commitment required by active trading.

Several way to invest in crypto

There are several ways to create passive income from DeFi: staking, lending, farming, and real yield. However, today I want to share a strategy that requires minimal effort yet brings in profits: hunting for ICOs (Initial Coin Offering) and presales.

ICOs and presales offer a unique opportunity for investors. Tokens sold during these events are usually priced very low, as they are in the early stages of their lifecycle. By participating in these sales, you can purchase tokens at a fraction of their potential future value. The strategy is simple: buy the tokens, hold onto them, and wait for them to be listed on an exchange where their value typically increases.

For example, consider a meme project like BUSAI, which leverages AI technology and enjoys strong community support. BUSAI offers an attractive opportunity during its presale phase. The project blends meme culture with advanced AI, creating a unique ecosystem. By purchasing tokens during the presale, investors can benefit from low prices and potentially see significant returns once the tokens are listed.

Successful ICOs and Presale Tokens

Several notable case studies illustrate how presale tokens have significantly increased in value once listed on exchanges, providing substantial returns for early investors.

Ether (ETH)

The native token for Ethereum, Ether, is one of the most successful ICOs in history. During its ICO, Ether was sold at 2,000 ETH per 1 BTC. By March 2024, the value of Ether had surged to $3,496 per token, offering an incredible return on investment for early backers

NEO (NEO) 

Often referred to as "China’s Ethereum," NEO had a remarkable ICO. The initial token price was around $0.03, and at its peak, NEO traded at approximately $180. Even though its current value is around $14.83, early investors saw substantial returns​

BONK (BONK)

Bonk started as an airdrop, not a presale, and was distributed freely via social media. It surged over 25,000% in a year and briefly hit a $2 billion market cap after its Coinbase listing.

How to find Presale token?

Historically, platforms like Coinlist were excellent for finding such opportunities. However, in the past year, many projects listed there have underperformed, leading me to seek alternatives. The key to success with this strategy lies in thorough research and careful selection of projects.

While this method may not yield as much profit as active trading, it is well-suited for those with a lower risk appetite. It allows participation in the crypto market without the need for constant vigilance. However, no investment is entirely risk-free. Even with presales and IDOs, there is always the potential for loss. The crypto market is volatile, and projects can fail despite promising initial signs.

In summary, hunting for IDOs and presales is a viable strategy for earning passive income from crypto without dedicating too much time and effort. By carefully selecting projects like BUSAI, you can capitalize on early-stage investments and potentially enjoy substantial returns. However, always conduct thorough research and be aware of the inherent risks.

Source: Compiled

The Official Channel: Website | Twitter | Telegram 

[tokenlauncher]

From Meme Dreams to Business Class Seats: How Solana Crypto Could Take You There

Picture this: you’re scrolling through your phone, belly aching from laughter at the latest doge meme. Suddenly, a thought strikes you — “This could be me, living the high life, reclining in a plush business class seat, sipping champagne as I soar towards an exotic destination.”

Well, the ever-evolving world of cryptocurrency might just hold the key to unlocking these luxurious travel dreams. One particularly intriguing corner of this world is the rise of memecoins: digital tokens inspired by internet jokes and cultural moments. While they started as a playful experiment, some memecoins have skyrocketed in value, catapulting their early investors into unimaginable wealth.

But here’s the reality check: memecoins are inherently volatile and relying solely on them for a luxurious lifestyle is a gamble. So, how can you leverage the potential of memecoins while building a more secure foundation for your travel aspirations?

Enter Solana, a high-speed blockchain platform rapidly becoming a breeding ground for innovative memecoins. Here’s why Solana stands out:

Lightning Speed & Low Fees: Transactions on Solana are lightning-fast and incredibly cheap compared to other blockchains like Ethereum. This makes it ideal for the fast-paced world of memecoin trading, where frequent, small transactions are common.

Innovation Hub: Solana is constantly pushing the boundaries of blockchain technology, attracting developers and fostering a dynamic memecoin ecosystem. This translates to more creative and potentially lucrative memecoin opportunities.

However, building wealth for luxurious travel goes beyond memecoins. It requires a well-rounded investment strategy that leverages different avenues to create a robust financial base.

Here’s your comprehensive roadmap to achieving that coveted business class seat:

1. Diversification is Key: Don’t gamble your travel dreams on a single memecoin. Diversify your portfolio by exploring established cryptocurrencies like Bitcoin and Ethereum. Consider incorporating traditional investments like stocks and bonds into your strategy for a balanced approach.

2. Knowledge is Power: Never invest blindly, especially in the volatile world of memecoins. Before diving in, conduct thorough research on the project you’re considering. Understand the tokenomics (the structure and distribution of the token), the development team’s experience, and the project’s overall roadmap. Invest only what you can afford to lose, as memecoins are inherently high-risk assets.

3. Continuous Learning is Crucial: The crypto landscape is continuously evolving. Stay informed by following reputable news sources and attending educational webinars or workshops. Embrace the learning curve; the more you understand about crypto and memecoins, the better equipped you’ll be to make informed investment decisions.

4. Embrace Responsible Investing: Investing in memecoins, or any crypto for that matter, involves inherent risk. Always prioritize responsible investing practices. Never invest with borrowed money, and clearly define your risk tolerance and investment goals before putting your hard-earned money into any project.

5. Consider Professional Guidance: While not a necessity, seeking advice from a qualified financial advisor can be incredibly beneficial. A good advisor can help you create a personalized investment strategy tailored to your specific risk tolerance and financial goals.

Design Freedom: Unleash your creativity by designing your own eye-catching logo and defining your meme coin’s name.

Simplified Setup: Set key parameters like total token supply and transaction fees with our easy-to-use interface.

Community Building Tools: SolanaLauncher.com integrates with popular social media platforms, allowing you to seamlessly connect with potential investors and build a strong community around your meme coin.

Remember, building wealth for travel takes time, effort, and a well-rounded strategy. Don’t expect overnight success with memecoins. However, by combining a dash of memecoin excitement, a sprinkle of Solana innovation, and a whole lot of dedication to responsible investing, you just might find yourself sipping champagne in business class, living out your travel dreams.

Here are some additional tips to keep in mind:

Set Realistic Expectations: Don’t chase unrealistic get-rich-quick schemes. Building wealth takes time and a consistent effort.

Focus on Long-Term Gains: While memecoins offer the potential for explosive growth, it’s not guaranteed. Consider them as long-term investments and focus on building a diversified portfolio.

Enjoy the Journey: The world of crypto is an exciting one, filled with constant innovation and a passionate community. Embrace the learning process and enjoy the ride!

[infamousbrad]

Should only rich people get to make art?

Because, truly, that's what the writers' guild strike is about. The streaming services have driven down the pay scale for professional writers to the point where literally nobody, no matter how popular their show is, is earning a living wage. Nor can the job be done as a hobby or a side-hustle, because when the studios do hire you, they want you on-call almost around the clock for up to 10 weeks.

So it's become a job that only trust-fund kids will be able to do, going forward. Is that who we want creating all our art? I mean, sometimes I think that that is what we want; it's certainly how we act. Oh, sure, hobbyists can (and do) make art, as long as it's stuff they can make using cheap or throw-away materials and solo or with a tiny team of friends. (And that, mostly only if you don't have kids, because that plus a job will leave you no time nor energy to make art.)

You'll still be able to make cheap art, if you have any time and energy left from your job (which your employer's investors will see as reason to install harsher management), that basically nobody will get to see. And that's all.

So, basically, we're heading back to an art world like Europe during the Medicis. Any art that's big, expensive, and regional or national in scope is either state-funded propaganda, rich-people vanity projects that glorify the funders, or the "career" of people born rich enough that they don't need to earn a living and can fund their own projects' production and distribution costs off of the interest payments on their inherited wealth.

You know. Your "betters." Professional art as a working-class job, or even a middle-class job if you get famous for being good at it? Well, that depended on unions, and artists' unions have never not been under attack, but what it really depended on was our sense that we were a wealthy enough and successful enough culture that we could afford more independent art.

Do we want to be that any more? Or is art going to go back to being a privilege reserved for people who society thinks are "better" than you?

[bethetry]

For me, nobody legalizing drugs and distributing them fair

U.S. + (UNKNOWLINGLY AND UNPAID TO MENTION THIS 1st comment”) U.N. (Due to the Great Depression involving genuine traumatic experiences left absolutely unstable since prior the 1900’s, causing Marilyn Monroe (MARILEN Manson duplicate who roughly just as hard) for personal right of privacy

Causing dementia to occur since 19050’s roughly

Causing other DSM Disorders

Especially and exclusively due to all diagnosable DSM DISORDERS, violence, sexual assault, (enforced through the Dead god and strategically, public adultery included to pornhub, wanna try xxnx,, redxxx etc due to also not being cautious about ID checks and blackmailing)

Also removing and or as hating vocal cords of a variety of the. Star Wars universe, Steven UNIVERSE, BRONINATION, Family guys)

And breaking, blacking DISNEY (despite all ways they tried to suit to kids including being adolescents themselves to earn enough money to smoke or drink water without being grounded, in certain cases) due to parents failing to understand why one is either cruel or attempting child/beastality porn-

This OCCURRED THREE TIMES AS IF IT WAS ANOTHER WAVE OF THE FLU OR ECEN SIKOOIFIED CANCER

FROM THE US MILITARY

DUE TO ROBBING THE SEVEN MEN I KNOW PERSONALLY

THEN THE SEVEN WOMEN I KNOW PERSONALLY

THEN DECIDE TO DO WALL STREET (BULLSHIT STOCKS PRIOR TRADES INCLUDING QUITE RECENTLY)

Mikaela Phillip Nicole Pahn

Or leading to a mass dissociative integration project with DR NANNCY

MIKAELA FRUID CARL JUNG FOR WAKING UP IN MY BODY AND LEAVING A BOOK, the red book, underneath my body when I simply had a hard time healing god’s traumatic history

All without necessary medication (OxyContin 30 mg-for mental health a

Allowing drug testing until the nose of the dead simply rotted off for sneezing incorrectly, also Assume 1% of sexual assault/rape due to the silenced board staff, even if they’re simply slapped on the ass, and ANY MISUNDERSTANDING THAT ANXIETY, the shy LAUGH, had been able to be misunderstood!!! Or ignored through well I don’t care so fine, I’ll do it, including if it happened to be enforcement through hallucinations/real kidnapped abused sex trafficking, including the cages the families were seperated in.

Lots of archived personal familial discussions @solver tsr.com. Generalized website, authors of roulette due to having to cover entirety of of hidden

It’s the reason why Marylyn Monroe VS

Military DRAFT PROPAGANDA AND STILL DUPLICITY (like random clock fields and clocks being on the IQ TEST) and silencing conscious thoughts by killing their duplications with or through deleting the consciousness, or using a very known AREA 51 experiment of the disappearing and appearing Vietnam island only after public UNITED STATES EDUCATION STARTED)

Imp style of what’s nonconsent or what’s a debit wanna be credit

Werebabies cry of where are the soldiers, officers, doctors, teachers, computer science factories, and ANY AND EVERYONE OTHER FACTORY) ESPECIALLY GREEN TOKYAI VS THE CHINESE/shady OF OCEA OR ANY OTHER ENFORCEMENT THAT MADE PEOPLE HAVE AN ANXIETY ATTACK FOR SITTING OR USING THEIR CELL PHONE, that failed to addressed , paid leave for up to 6 months due to emergencies especially due to the failure of

MK Ultra of the LSD VS IGAY/abused vs not abusive to be considered verbal/physical/sexual abuse due to nonconsent of I just cuddle.

Any judgemental possible is included with included in how verbal trauma can be equal to a disappearing lock or if a pet opened a door using their snot when it was absolutely knocked. Vs is that a drug literally meaning anytime a parent joined in.

Or just was one.

Due to metal that genuinely disappeared.

And anytime god de-used to drive on lsd and on the highway

Only to be gossiped!

Vs

MK TURK

MK ULTRA OF THE GREAT RESET BRO ANTI STOCKS OF I’m SUCH A TOTALLYYYYY LEGIT INVESTOR VS(it’s sarcasm for bullshit wannabe remarks of serial or curious)

Mark 1 of potentional argument is the eye roll of is big Brother from the United Stated, or are they

The Hitler (or known to be WWI-WWI-2) - meaning literally anyone else who supported another leader,

Am I pretty or do I have that rare unique feature tying with any way a male had been bold enough to decline sex too, or blacked out during any party, any sleepover, and even on a television show INCLUDED, ESPECIALLY IT THEY WENT TO COLLAGE—-any collage being hey, want a bill? Even through ANY TAX COLLECTIONS UNION, or any other way someone felt like they lost memory, went out of control, felt crazy due to disassortments of was it because I wanted to stay to eat/do the pre-planned thing or was it because of nonconsent suddenly appearing grey (I just got out of an X)

2023

[investmentorsec]

Everything you should know about Dividend Investing

Dividend investing is a strategy where investors purchase shares of companies with a history of paying dividends to their shareholders. A dividend is a portion of a company's earnings that is distributed to its shareholders, typically on a regular basis, often quarterly. These payments provide investors with a steady stream of income, making it an attractive option for those looking to supplement their earnings.

Benefits of Dividend Investing:

1. Steady Income: Dividend investing offers a consistent source of income, which can be especially appealing for retirees or anyone seeking financial stability.

2. Compound Growth: Reinvesting dividends can supercharge your returns through the power of compounding, allowing you to grow your wealth over time.

3. Risk Mitigation: Dividend-paying companies tend to be more stable and mature, reducing the volatility in your portfolio.

4. Inflation Hedge: Dividends often increase over time, helping you keep pace with inflation and maintain your purchasing power.

How to Start Dividend Investing:

1. Research: Begin by researching companies with a history of consistent dividend payments. Look for established, financially stable companies in industries that interest you.

2. Diversify: Diversification is key to managing risk. Build a portfolio with a mix of stocks from different sectors to spread risk.

3. Dividend Yield: Pay attention to a company's dividend yield, which is the annual dividend payment divided by the stock's current price. A higher yield can mean more income, but be cautious of excessively high yields, as they may signal financial troubles.

4. Dividend Growth: Look for companies with a history of increasing dividends over time. This indicates financial health and a commitment to rewarding shareholders.

5. Dividend Reinvestment: Consider reinvesting your dividends back into the same stocks to take advantage of compounding.

Advanced Strategies:

1. Dividend Aristocrats: These are companies with a history of increasing dividends for at least 25 consecutive years. They often make reliable long-term investments.

2. Dividend ETFs: Exchange-traded funds (ETFs) that focus on dividend-paying stocks can offer diversification and convenience.

3. Dividend Capture: Some investors engage in a short-term strategy called dividend capture, where they buy a stock just before the ex-dividend date to receive the dividend and then sell shortly after.

4. Tax Considerations: Be aware of the tax implications of dividend income in your country and consider tax-efficient strategies.

Monitoring Your Portfolio:

Regularly review your portfolio to ensure that your investments align with your goals. Keep an eye on company performance, dividend sustainability, and market trends.

Conclusion:

Dividend investing is a powerful strategy that can provide you with financial security and income. Whether you're just starting or looking to enhance your investment knowledge, mastering dividend investing can lead to a brighter financial future. Remember, success in dividend investing requires patience, research, and a long-term perspective. Start building your dividend portfolio today, and watch your wealth grow over time. Happy investing!

[stockxpo]

Value vs. Growth Stocks: What’s the Difference and Which One Should You Invest ??

When it comes to investing in stocks, there are various strategies and approaches that investors can employ. Two popular investment styles are value investing and growth investing. Understanding the difference between these two approaches is essential for making informed investment decisions. In this blog, we will delve into the characteristics of value and growth stocks, explore their differences, and help you determine which one aligns with your investment goals.

Value Stocks: Uncovering Hidden Gems

Value stocks are companies that are considered undervalued by the market, trading at prices lower than their intrinsic value. These stocks often have stable earnings, pay dividends, and possess solid fundamentals. Value investors typically focus on identifying stocks with low price-to-earnings (P/E) ratios, low price-to-book (P/B) ratios, or other valuation metrics that suggest the stock is priced lower than its actual worth. Value stocks may include mature companies in established industries that may have experienced temporary setbacks or are overlooked by the market.

Top of Form

Bottom of Form

Key Characteristics of Value Stocks:

Low valuation metrics: Value stocks often have low P/E ratios, P/B ratios, or other valuation metrics compared to their industry peers.

Dividend payments: Many value stocks are known for their consistent dividend payments, making them attractive to income-focused investors.

Established companies: Value stocks are typically found in well-established industries, where companies have a long history and solid track records.

Potential for turnaround: Value investing involves identifying companies with potential for a turnaround or market correction, where their true value may be unlocked over time.

Growth Stocks: Investing in the Future

Growth stocks, on the other hand, are companies that exhibit strong growth potential, often characterized by above-average revenue and earnings growth rates. These companies typically reinvest their earnings back into the business to fuel expansion, rather than paying dividends. Growth investors seek companies that are at the forefront of innovation, disruptive technologies, or emerging industries, with the expectation that their earnings and stock prices will rise substantially in the future.

Key Characteristics of Growth Stocks:

High revenue and earnings growth: Growth stocks typically demonstrate above-average revenue and earnings growth rates compared to their peers and the overall market.

Limited or no dividends: Instead of distributing profits as dividends, growth companies reinvest earnings into research, development, and expansion.

Technological or industry disruptors: Growth stocks are often associated with companies leading the charge in innovative sectors or disrupting traditional industries.

High valuations: Due to their growth potential, growth stocks may trade at higher P/E ratios and valuation multiples compared to their current earnings.

Which Should You Invest In: Value or Growth?

Deciding whether to invest in value or growth stocks depends on your investment objectives, risk tolerance, and investment horizon. Both approaches have their merits:

Value stocks can offer stability, income potential, and the opportunity to buy companies at a discount. They are favored by conservative investors seeking established companies with solid fundamentals and attractive dividend yields.

Growth stocks, on the other hand, offer the potential for significant capital appreciation. They are suitable for investors with a higher risk appetite, a long-term investment horizon, and an interest in innovative industries and emerging trends.

Some investors choose to maintain a balanced portfolio that includes both value and growth stocks, diversifying their risk and capitalizing on opportunities across different market segments.

Ultimately, the decision between value and growth investing comes down to your personal financial goals, investment strategy, and risk tolerance. It is advisable to consult with a financial advisor or conduct thorough research before making any investment decisions.

Conclusion:

Value and growth investing represent distinct approaches to stock selection, each with its own set of characteristics and potential rewards. Value investing focuses on finding undervalued companies with solid fundamentals and stable earnings, while growth investing targets companies with high growth potential and innovation. The choice between value and growth stocks ultimately depends on your investment objectives, risk tolerance, and time horizon.

I hope you have received all of the necessary information, for additional information, please see our blog area

[importantfuryprince]

The attractions of dividends

Dividends can be a powerful tool in an investor's arsenal. Understanding what they are, their benefits, drawbacks, and their role in your overall portfolio is crucial. When it comes to growing your money, there are typically two main avenues to consider, each with its own characteristics. The first option is the low-risk approach of cash savings, where your money sits in a bank account and earns interest over time. However, this strategy requires patience, especially when interest rates are low. 

The alternative is investing in equities, such as stocks and shares. While this carries higher risk, the principle is simple: if share prices rise, your investment value increases, though the opposite is also true. But there's another advantage to holding certain types of shares that novice investors often overlook: dividends. In addition to potential gains from share value appreciation, some shares entitle shareholders to receive extra payments known as dividends.

A dividend represents a portion of a company's profits that is distributed among its shareholders. While companies may pay dividends at any stage of their development, it is more common among those that have transitioned past their high-growth phase. By paying dividends, companies keep shareholders engaged and allow them to benefit from their share ownership even when the share price appears stagnant. Regular dividend payments also make shares more appealing to investors, driving demand and ideally raising the share price.

The amount of the dividend is determined by the company, provided it has sufficient post-tax profits to make the payments. The dividend yield, the dividend's size relative to the share price, is a key metric to consider. For example, if the share price is £10 and the dividend is £1, the dividend yield is 10%. You can learn the formulas and the dividend payout ratio, calculate the dividend yield in the blog of BeatMarket, an IT platform and mobile application for analyzing an investment portfolio.

Dividends come in different forms, with the main categories being cash dividends and stock dividends. Cash dividends are straightforward cash payments, while stock dividends are additional shares in the company. The appeal of dividends lies in their stability and potential for consistent returns. Companies that pay dividends are typically in a more mature phase, making their shares less risky than those of fast-growing companies. Shareholders can have more confidence in the stability of their investment while still receiving a regular return. Additionally, any underlying growth in the company can further increase the value of the dividends.

Dividend stocks are often favored by investors with a medium-high risk profile. They offer more stable returns compared to fast-growth companies but are riskier than bonds or cash investments. For individuals seeking income during retirement, companies that pay regular and predictable dividends can be particularly attractive, as the reliability of income takes precedence over investment growth. Another advantage of dividends is the lower tax rate they attract compared to ordinary income. This makes them an appealing choice for business owners who want to extract income from their business while minimizing tax liabilities compared to a salary.

Understanding the potential of dividends and their role in your investment strategy can enhance your portfolio's performance and provide a consistent income stream.

[exitrowiron]

Investing 101

Part 4 of ?

What to Buy

I've been procrastinating this post because I have a broker who provides buying/selling recommendations to me as I'm not an expert. Having said that, I can provide some information.

The first decision to make is whether to buy stocks or bonds. I explained the difference between the two in previous posts but I should add a caveat. Normally bonds are considered a safe but lower return investment to balance your portfolio and reduce risk. The moves by the Fed to control inflation however have raised interest rates on bonds to levels not seen in >40 years. For the first time in a long time, very safe bonds (ex. US Treasuries) are yielding more than equities and you can lock in those rates for a long time. Normally I'd advise a young person to avoid any bonds, but this is a strange time and some bonds would be a good investment for almost anyone. As with stocks, you can buy individual bonds or a bond fund.

What is a fund? Let's imagine that you want to own a basket of tech stocks (or bank stocks or consumer goods stocks, etc.). You could research various companies and make your purchases or you could buy a mutual fund. Mutual funds are actively managed investment pools with specific investment philosophies (ex. focused on tech stocks) - you purchase shares in the fund and the fund manager uses your money (and the $$ of other fund investors) to buy/sell shares in accordance with the philosophy/purpose of the fund. Actively managed means that there is a management team doing investment research and then buying and selling shares. Of course the management team costs money and they deduct their fee from the earnings pool prior to distributing the fund's earnings back to the owner/investors of the fund. Fund managers argue that their active management improves your earnings while lowering your risk. Detractors argue that management fees are too expensive and over the long run, investors can do better on their own (more on that later). Management fees aren't regulated (that I'm aware of) so investors have to be cautious - some funds have very expensive management fees while others are more frugal. Morningstar is a great resource for researching investments of all types, including funds.

An alternative to a Mutual Fund is an Index or Exchange Traded Fund. These funds are designed to mirror the composition and performance of an entire stock exchange (ex. NASDAQ). So if the NASDAQ goes up 10pts today, the related Index or Exchange traded fund will also go up 10pts. This is a low cost way to invest in the performance of the overall market. Many advisors recommend these investments for superior long term growth. These funds aren't actively managed by a human, but their low cost makes them a winner.

Speaking of humans, AI managed funds are increasingly a hot topic. I may own some of these funds and not even know it, but I'm not seeking AI management. In fact, automated trading can be problematic and cause 'flash crashes' for the market when every AI algorithm tries to sell at the time.

Target Date funds are another kind of mutual fund which is increasingly popular in 401Ks and 529 college savings plans. A target date fund is designed to manage risk and volatility with a specific life goal in mind. For example, you might establish a goal retirement date of 2040 and buy a Target Date fund for that year. The 2040 fund will automatically invest in higher risk/higher return equities in the first 20 years and gradually shift more of the portfolio to lower risk investments (like bonds) as your target date approaches.

Money market funds are a very low risk way to earn better returns on your emergency fund cash than allowing it to wallow in a bank savings account. A money market is a kind of mutual fund, but it owns very safe investments - the odds are very small that you'd lose money and instead you'll have a very liquid, safe investment that you can use in case of emergency.

What about individual stocks? Some investors follow the simple strategy of buying the stocks of companies whose products they know and admire. Ex, "I like my iPhone so I'm going to buy Apple stock." In >30 years of investing I have never purchased an individual stock. My rationale is that there is an entire industry of very smart people who do nothing but research and invest. The odds that I can outsmart them and pick a company which everyone else has undervalued are small. If I've read about it in the Wall Street Journal, so has everyone else and the opportunity to buy something cheap is long gone. In my opinion, buying individual stocks is like going to Vegas - of course you will hear stories of big winners, but in general the house (full time investment professionals) always wins. For a non-professional like me, the odds of selecting individual stocks and assembling a winning portfolio over the long term aren't in my favor.