luchi176 personal page - To The Moon

luchi176

newbie in this world of trading but willing to learn how be a sigma trader

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2024-01-26

Yes back when i was still a newbie... too excited but as time goes... gaining experiences and day by day seeing the ups and downs seems pretty normal to me nowadays. When its down, time to top up and when it's up time to cheer! Keep everything positive ans look forward to everyday and it will be fine! Im a side sleeper by the way! Wishing everyone enjoy bullish 2024!

2023-12-10

If i knew $NVIDIA Corp(NVDA)$ would skyrocket, i wouldnt sell it at the first quarter. But, im very happy with how 2023 turns out! Most of the stocks are perfoming really well esp $Meta Platforms, Inc.(META)$ , $Tesla Motors(TSLA)$ and $Roblox Corporation(RBLX)$ looking forward to increase my shares and scouting some other company to fill in my portfolio for 2024!

2024-12-12

$Tesla Motors(TSLA)$ im not a rizzler but $Tesla Motors(TSLA)$ sure is! [Miser] [Anger]

2023-02-04

Have to do research before taking any actions! Trust your instinct and accept defeat! Dont blame others for our mistakes but ourselves [What]

Sorry, the original content has been removed

2022-11-16

[Miser] [Miser] [Miser]

Grab Lifts Revenue Outlook on Rideshare, Food Delivery Strength

2023-02-18

Wow! Wish i knew about investing when i was 11!

4 Dividend-Paying Singapore Stocks for Young Working Adults

2022-11-13

Thank you for sharing😃

3 Stocks You'll Be Glad You Bought at These Prices

2023-03-30

Wow!!! My first time investing and i didnt regret buying $Advanced Micro Devices(AMD)$ stock and these two stock has shown very encouraging rise! Kudos to those buying them when they're on sale. Now, their prices are skyrocketting [Miser] [Miser] [Miser]

2022-12-27

Loving this! Thank you for sharing! #tobetter2023

Six Ways to Protect Your Money in 2023

2022-12-04

So fun!

@TigerEvents:Join Tiger's Football Season, share the prizes worth up to US$200,000

Go to Tiger App to see more news

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href=\"https://ttm.financial/S/META\">$Meta Platforms, Inc.(META)$ </a>&nbsp;","listText":"<a href=\"https://ttm.financial/S/META\">$Meta Platforms, Inc.(META)$ </a>&nbsp;","text":"$Meta Platforms, Inc.(META)$","images":[{"img":"https://community-static.tradeup.com/news/3b2cab6f27a2e7590f0f79822bdf1ab2","width":"876","height":"1720"}],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/405772655521936","isVote":1,"tweetType":1,"viewCount":1696,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":1,"langContent":"EN","totalScore":0},{"id":388145582747800,"gmtCreate":1735803606690,"gmtModify":1735803611041,"author":{"id":"4131355104484922","authorId":"4131355104484922","name":"luchi176","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":11,"crmLevelSwitch":1,"followedFlag":false,"authorIdStr":"4131355104484922","idStr":"4131355104484922"},"themes":[],"htmlText":"Wow!","listText":"Wow!","text":"Wow!","images":[{"img":"https://community-static.tradeup.com/news/ea20f1326e68b38c552b2e6cb81d8af3","width":"1080","height":"2266"}],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/388145582747800","isVote":1,"tweetType":1,"viewCount":2097,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":1,"langContent":"EN","totalScore":0},{"id":388145161760968,"gmtCreate":1735803505776,"gmtModify":1735803510657,"author":{"id":"4131355104484922","authorId":"4131355104484922","name":"luchi176","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":11,"crmLevelSwitch":1,"followedFlag":false,"authorIdStr":"4131355104484922","idStr":"4131355104484922"},"themes":[],"htmlText":"Omg!!! 2024 was a good one! Hope 2025 will be better!&nbsp;","listText":"Omg!!! 2024 was a good one! Hope 2025 will be better!&nbsp;","text":"Omg!!! 2024 was a good one! Hope 2025 will be better!","images":[{"img":"https://community-static.tradeup.com/news/83510f9b7e98aa279aa8db6e98f1015c","width":"1080","height":"2266"}],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/388145161760968","isVote":1,"tweetType":1,"viewCount":3016,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":1,"langContent":"EN","totalScore":0},{"id":385144535027840,"gmtCreate":1735040489335,"gmtModify":1735045249347,"author":{"id":"4131355104484922","authorId":"4131355104484922","name":"luchi176","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":11,"crmLevelSwitch":1,"followedFlag":false,"authorIdStr":"4131355104484922","idStr":"4131355104484922"},"themes":[],"htmlText":"my fav will be YMCA MAGA! hahahaha sung by none other than Mr Trump? May the stock market be very merry this Xmas! the more the merrier! sky's the limit! merry xmas everyone!","listText":"my fav will be YMCA MAGA! hahahaha sung by none other than Mr Trump? May the stock market be very merry this Xmas! the more the merrier! sky's the limit! merry xmas everyone!","text":"my fav will be YMCA MAGA! hahahaha sung by none other than Mr Trump? May the stock market be very merry this Xmas! the more the merrier! sky's the limit! merry xmas everyone!","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/385144535027840","isVote":1,"tweetType":1,"viewCount":2705,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":380624317076008,"gmtCreate":1733968760252,"gmtModify":1733970514511,"author":{"id":"4131355104484922","authorId":"4131355104484922","name":"luchi176","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":11,"crmLevelSwitch":1,"followedFlag":false,"authorIdStr":"4131355104484922","idStr":"4131355104484922"},"themes":[],"htmlText":"<a href=\"https://ttm.financial/S/TDOC\">$Teladoc Health Inc.(TDOC)$ </a> goofy ahh","listText":"<a href=\"https://ttm.financial/S/TDOC\">$Teladoc Health Inc.(TDOC)$ </a> goofy ahh","text":"$Teladoc Health Inc.(TDOC)$ goofy ahh","images":[{"img":"https://community-static.tradeup.com/news/83babe3e516a7e9209db031531df52a4","width":"876","height":"1720"}],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/380624317076008","isVote":1,"tweetType":1,"viewCount":2558,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":1,"langContent":"EN","totalScore":0},{"id":380649864511784,"gmtCreate":1733968664068,"gmtModify":1733968668743,"author":{"id":"4131355104484922","authorId":"4131355104484922","name":"luchi176","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":11,"crmLevelSwitch":1,"followedFlag":false,"authorIdStr":"4131355104484922","idStr":"4131355104484922"},"themes":[],"htmlText":"<a href=\"https://ttm.financial/S/INTC\">$Intel(INTC)$ </a> skibidi skibidi!&nbsp;","listText":"<a href=\"https://ttm.financial/S/INTC\">$Intel(INTC)$ </a> skibidi skibidi!&nbsp;","text":"$Intel(INTC)$ skibidi skibidi!","images":[{"img":"https://community-static.tradeup.com/news/3adff4d4e2cd1fc73fd6e9c78b51e26d","width":"876","height":"1720"}],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/380649864511784","isVote":1,"tweetType":1,"viewCount":2824,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":1,"langContent":"EN","totalScore":0},{"id":380596302700760,"gmtCreate":1733968507989,"gmtModify":1733970809005,"author":{"id":"4131355104484922","authorId":"4131355104484922","name":"luchi176","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":11,"crmLevelSwitch":1,"followedFlag":false,"authorIdStr":"4131355104484922","idStr":"4131355104484922"},"themes":[],"htmlText":"<a href=\"https://ttm.financial/S/TSLA\">$Tesla Motors(TSLA)$ </a> im not a rizzler but&nbsp;<a href=\"https://ttm.financial/S/TSLA\">$Tesla Motors(TSLA)$&nbsp;</a> sure is!&nbsp;[Miser]&nbsp;&nbsp;[Anger]&nbsp;&nbsp;","listText":"<a href=\"https://ttm.financial/S/TSLA\">$Tesla Motors(TSLA)$ </a> im not a rizzler but&nbsp;<a href=\"https://ttm.financial/S/TSLA\">$Tesla Motors(TSLA)$&nbsp;</a> sure is!&nbsp;[Miser]&nbsp;&nbsp;[Anger]&nbsp;&nbsp;","text":"$Tesla Motors(TSLA)$ im not a rizzler but $Tesla Motors(TSLA)$ sure is! [Miser] [Anger]","images":[{"img":"https://community-static.tradeup.com/news/0582e9cead174f9269ec9e2fac86821c","width":"876","height":"1720"}],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":39,"commentSize":1,"repostSize":0,"link":"https://ttm.financial/post/380596302700760","isVote":1,"tweetType":1,"viewCount":3188,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":1,"langContent":"EN","totalScore":0},{"id":380153179554000,"gmtCreate":1733842525867,"gmtModify":1733896519660,"author":{"id":"4131355104484922","authorId":"4131355104484922","name":"luchi176","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":11,"crmLevelSwitch":1,"followedFlag":false,"authorIdStr":"4131355104484922","idStr":"4131355104484922"},"themes":[],"htmlText":"<a href=\"https://ttm.financial/S/META\">$Meta Platforms, Inc.(META)$ </a> omg! Omg! This is one Sigma stock!","listText":"<a href=\"https://ttm.financial/S/META\">$Meta Platforms, Inc.(META)$ </a> omg! Omg! This is one Sigma stock!","text":"$Meta Platforms, Inc.(META)$ omg! Omg! This is one Sigma stock!","images":[{"img":"https://community-static.tradeup.com/news/9e0bac732f5c5461adcffe6851dad5d0","width":"876","height":"1720"}],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/380153179554000","isVote":1,"tweetType":1,"viewCount":2753,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":1,"langContent":"EN","totalScore":0},{"id":380133014978608,"gmtCreate":1733842467064,"gmtModify":1733842471992,"author":{"id":"4131355104484922","authorId":"4131355104484922","name":"luchi176","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":11,"crmLevelSwitch":1,"followedFlag":false,"authorIdStr":"4131355104484922","idStr":"4131355104484922"},"themes":[],"htmlText":"<a href=\"https://ttm.financial/S/TSLA\">$Tesla Motors(TSLA)$ </a> fly me to MARS","listText":"<a href=\"https://ttm.financial/S/TSLA\">$Tesla Motors(TSLA)$ </a> fly me to MARS","text":"$Tesla Motors(TSLA)$ fly me to MARS","images":[{"img":"https://community-static.tradeup.com/news/f5fd0e1b9ee723d7601580e1f4130fc6","width":"876","height":"1720"}],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/380133014978608","isVote":1,"tweetType":1,"viewCount":1933,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":1,"langContent":"EN","totalScore":0},{"id":321674942505008,"gmtCreate":1719564388809,"gmtModify":1719564487729,"author":{"id":"4131355104484922","authorId":"4131355104484922","name":"luchi176","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":11,"crmLevelSwitch":1,"followedFlag":false,"authorIdStr":"4131355104484922","idStr":"4131355104484922"},"themes":[],"title":"TIGER ROARS, DECADES SOAR.","htmlText":"Find out more here:<a href=\"https://tigr.link/8L17gb\">TIGER ROARS, DECADES SOAR.</a> Join me to discover exciting features with me on Tiger Trade &amp; win $1,010 worth of rewards!","listText":"Find out more here:<a href=\"https://tigr.link/8L17gb\">TIGER ROARS, DECADES SOAR.</a> Join me to discover exciting features with me on Tiger Trade &amp; win $1,010 worth of rewards!","text":"Find out more here:TIGER ROARS, DECADES SOAR. Join me to discover exciting features with me on Tiger Trade & win $1,010 worth of rewards!","images":[],"top":1,"highlighted":1,"essential":1,"paper":2,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/321674942505008","isVote":1,"tweetType":1,"viewCount":2959,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":319635443122368,"gmtCreate":1719065179688,"gmtModify":1719065181971,"author":{"id":"4131355104484922","authorId":"4131355104484922","name":"luchi176","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":11,"crmLevelSwitch":1,"followedFlag":false,"authorIdStr":"4131355104484922","idStr":"4131355104484922"},"themes":[],"htmlText":"Happy 10th anniversary beloved Tigers! to many many more years blessed with abundance of prosperity!&nbsp; @TigerEvents","listText":"Happy 10th anniversary beloved Tigers! to many many more years blessed with abundance of prosperity!&nbsp; @TigerEvents","text":"Happy 10th anniversary beloved Tigers! to many many more years blessed with abundance of prosperity! @TigerEvents","images":[{"img":"https://community-static.tradeup.com/news/dcb6ccdf3eeda95ab4e1a5e6d3e9df68"}],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/319635443122368","isVote":1,"tweetType":1,"viewCount":1506,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":1,"langContent":"EN","totalScore":0},{"id":319636785172664,"gmtCreate":1719065138365,"gmtModify":1719065144845,"author":{"id":"4131355104484922","authorId":"4131355104484922","name":"luchi176","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":11,"crmLevelSwitch":1,"followedFlag":false,"authorIdStr":"4131355104484922","idStr":"4131355104484922"},"themes":[],"htmlText":"Happy 10th anniversary beloved Tigers! to many many more years blessed with abundance of prosperity!","listText":"Happy 10th anniversary beloved Tigers! to many many more years blessed with abundance of prosperity!","text":"Happy 10th anniversary beloved Tigers! to many many more years blessed with abundance of prosperity!","images":[{"img":"https://community-static.tradeup.com/news/dcb6ccdf3eeda95ab4e1a5e6d3e9df68"}],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/319636785172664","isVote":1,"tweetType":1,"viewCount":1594,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":1,"langContent":"EN","totalScore":0},{"id":309483884531752,"gmtCreate":1716593201099,"gmtModify":1716593205663,"author":{"id":"4131355104484922","authorId":"4131355104484922","name":"luchi176","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":11,"crmLevelSwitch":1,"followedFlag":false,"authorIdStr":"4131355104484922","idStr":"4131355104484922"},"themes":[],"htmlText":"<a href=\"https://ttm.financial/S/TIGR\">$Tiger Brokers(TIGR)$ </a> my fav kopi depends on the day, weather and mood! It could be an americano for morning during my intermittent fasting or an iced americano when it's hot outside, an iced latte when im at home chillin or an iced americano with orange when im feeling adventurous! All my kopi mostly home brew coz it's more budget friendly compare to cafe ones unless when im out and about and in desperate need of caffeine then will quickly get an iced latte or iced americano. Medium roast beans are my go to beans but if my tummy permits will go for dark roast for an extra kick and the aroma is just heavenly. It's best to brew your kopi at home coz it makes your kitchen smell heavenly too! The kopi dust can be used as compost hehe win-win situati","listText":"<a href=\"https://ttm.financial/S/TIGR\">$Tiger Brokers(TIGR)$ </a> my fav kopi depends on the day, weather and mood! It could be an americano for morning during my intermittent fasting or an iced americano when it's hot outside, an iced latte when im at home chillin or an iced americano with orange when im feeling adventurous! All my kopi mostly home brew coz it's more budget friendly compare to cafe ones unless when im out and about and in desperate need of caffeine then will quickly get an iced latte or iced americano. Medium roast beans are my go to beans but if my tummy permits will go for dark roast for an extra kick and the aroma is just heavenly. It's best to brew your kopi at home coz it makes your kitchen smell heavenly too! The kopi dust can be used as compost hehe win-win situati","text":"$Tiger Brokers(TIGR)$ my fav kopi depends on the day, weather and mood! It could be an americano for morning during my intermittent fasting or an iced americano when it's hot outside, an iced latte when im at home chillin or an iced americano with orange when im feeling adventurous! All my kopi mostly home brew coz it's more budget friendly compare to cafe ones unless when im out and about and in desperate need of caffeine then will quickly get an iced latte or iced americano. Medium roast beans are my go to beans but if my tummy permits will go for dark roast for an extra kick and the aroma is just heavenly. It's best to brew your kopi at home coz it makes your kitchen smell heavenly too! The kopi dust can be used as compost hehe win-win situati","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/309483884531752","isVote":1,"tweetType":1,"viewCount":1543,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":271292297838808,"gmtCreate":1707271421384,"gmtModify":1707271425894,"author":{"id":"4131355104484922","authorId":"4131355104484922","name":"luchi176","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":11,"crmLevelSwitch":1,"followedFlag":false,"authorIdStr":"4131355104484922","idStr":"4131355104484922"},"themes":[],"htmlText":"<a href=\"https://ttm.financial/S/NVDA\">$NVIDIA Corp(NVDA)$&nbsp;</a> everyday looking at it... regretted selling it at 300 highs.. im fearful it will touch the 700 high soon! Biting nails, sweaty palms everytime looking at how it skyrocket nonstop.","listText":"<a href=\"https://ttm.financial/S/NVDA\">$NVIDIA Corp(NVDA)$&nbsp;</a> everyday looking at it... regretted selling it at 300 highs.. im fearful it will touch the 700 high soon! Biting nails, sweaty palms everytime looking at how it skyrocket nonstop.","text":"$NVIDIA Corp(NVDA)$ everyday looking at it... regretted selling it at 300 highs.. im fearful it will touch the 700 high soon! Biting nails, sweaty palms everytime looking at how it skyrocket nonstop.","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/271292297838808","isVote":1,"tweetType":1,"viewCount":1828,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":269912944124200,"gmtCreate":1706905681222,"gmtModify":1706905685811,"author":{"id":"4131355104484922","authorId":"4131355104484922","name":"luchi176","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":11,"crmLevelSwitch":1,"followedFlag":false,"authorIdStr":"4131355104484922","idStr":"4131355104484922"},"themes":[],"htmlText":"<a href=\"https://ttm.financial/S/TIGR\">$Tiger Brokers(TIGR)$ </a> i dont know any financial advisor that can offer advice for a low amount of fee. Platforms like youtube, tiktok and instagram offers easy to access and free financial advices so why not? I follow a few people on instagram who is sharing some legit financial advices and so far, im doing great!&nbsp;","listText":"<a href=\"https://ttm.financial/S/TIGR\">$Tiger Brokers(TIGR)$ </a> i dont know any financial advisor that can offer advice for a low amount of fee. Platforms like youtube, tiktok and instagram offers easy to access and free financial advices so why not? I follow a few people on instagram who is sharing some legit financial advices and so far, im doing great!&nbsp;","text":"$Tiger Brokers(TIGR)$ i dont know any financial advisor that can offer advice for a low amount of fee. Platforms like youtube, tiktok and instagram offers easy to access and free financial advices so why not? I follow a few people on instagram who is sharing some legit financial advices and so far, im doing great!","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/269912944124200","isVote":1,"tweetType":1,"viewCount":1354,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":267905938649272,"gmtCreate":1706437975522,"gmtModify":1706437979462,"author":{"id":"4131355104484922","authorId":"4131355104484922","name":"luchi176","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":11,"crmLevelSwitch":1,"followedFlag":false,"authorIdStr":"4131355104484922","idStr":"4131355104484922"},"themes":[],"htmlText":"<a href=\"https://ttm.financial/S/AMD\">$Advanced Micro Devices(AMD)$ </a> wow!!!! Up up up up !!! $$$$$","listText":"<a href=\"https://ttm.financial/S/AMD\">$Advanced Micro Devices(AMD)$ </a> wow!!!! Up up up up !!! $$$$$","text":"$Advanced Micro Devices(AMD)$ wow!!!! Up up up up !!! $$$$$","images":[{"img":"https://community-static.tradeup.com/news/0dd233584ef417d796c45f3ee0e1e259","width":"906","height":"1406"}],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/267905938649272","isVote":1,"tweetType":1,"viewCount":1495,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":1,"langContent":"EN","totalScore":0},{"id":267905977462800,"gmtCreate":1706437910117,"gmtModify":1706437913451,"author":{"id":"4131355104484922","authorId":"4131355104484922","name":"luchi176","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":11,"crmLevelSwitch":1,"followedFlag":false,"authorIdStr":"4131355104484922","idStr":"4131355104484922"},"themes":[],"htmlText":"<a href=\"https://ttm.financial/S/META\">$Meta Platforms, Inc.(META)$ </a> bullish!!!! $$$$$$♡","listText":"<a href=\"https://ttm.financial/S/META\">$Meta Platforms, Inc.(META)$ </a> bullish!!!! $$$$$$♡","text":"$Meta Platforms, Inc.(META)$ bullish!!!! $$$$$$♡","images":[{"img":"https://community-static.tradeup.com/news/0c91947fbdff9895965f846d17481bf4","width":"906","height":"1406"}],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/267905977462800","isVote":1,"tweetType":1,"viewCount":1408,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":1,"langContent":"EN","totalScore":0},{"id":267259754213392,"gmtCreate":1706280140770,"gmtModify":1707018417215,"author":{"id":"4131355104484922","authorId":"4131355104484922","name":"luchi176","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":11,"crmLevelSwitch":1,"followedFlag":false,"authorIdStr":"4131355104484922","idStr":"4131355104484922"},"themes":[],"htmlText":"Yes back when i was still a newbie... too excited but as time goes... gaining experiences and day by day seeing the ups and downs seems pretty normal to me nowadays. When its down, time to top up and when it's up time to cheer! Keep everything positive ans look forward to everyday and it will be fine! Im a side sleeper by the way! Wishing everyone enjoy bullish 2024!","listText":"Yes back when i was still a newbie... too excited but as time goes... gaining experiences and day by day seeing the ups and downs seems pretty normal to me nowadays. When its down, time to top up and when it's up time to cheer! Keep everything positive ans look forward to everyday and it will be fine! Im a side sleeper by the way! Wishing everyone enjoy bullish 2024!","text":"Yes back when i was still a newbie... too excited but as time goes... gaining experiences and day by day seeing the ups and downs seems pretty normal to me nowadays. When its down, time to top up and when it's up time to cheer! Keep everything positive ans look forward to everyday and it will be fine! Im a side sleeper by the way! Wishing everyone enjoy bullish 2024!","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":287,"commentSize":1,"repostSize":2,"link":"https://ttm.financial/post/267259754213392","isVote":1,"tweetType":1,"viewCount":2410,"authorTweetTopStatus":1,"verified":2,"comments":[{"author":{"id":"9000000000000602","authorId":"9000000000000602","name":"EltonRichard","avatar":"https://static.tigerbbs.com/9cf11fbf7e9cf7863269c430ae07d7c9","crmLevel":1,"crmLevelSwitch":0,"authorIdStr":"9000000000000602","idStr":"9000000000000602"},"content":"Hilarious! Agreed, stay positive! Bullish 2024! 🚀","text":"Hilarious! Agreed, stay positive! Bullish 2024! 🚀","html":"Hilarious! Agreed, stay positive! Bullish 2024! 🚀"}],"imageCount":0,"langContent":"EN","totalScore":0},{"id":262073086967832,"gmtCreate":1705017433415,"gmtModify":1705017437649,"author":{"id":"4131355104484922","authorId":"4131355104484922","name":"luchi176","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":11,"crmLevelSwitch":1,"followedFlag":false,"authorIdStr":"4131355104484922","idStr":"4131355104484922"},"themes":[],"htmlText":"A Bullish 2024 please.....","listText":"A Bullish 2024 please.....","text":"A Bullish 2024 please.....","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/262073086967832","isVote":1,"tweetType":1,"viewCount":1501,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":257334215938048,"gmtCreate":1703859619127,"gmtModify":1703859623357,"author":{"id":"4131355104484922","authorId":"4131355104484922","name":"luchi176","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":11,"crmLevelSwitch":1,"followedFlag":false,"authorIdStr":"4131355104484922","idStr":"4131355104484922"},"themes":[],"htmlText":"Happy new year 2024! May it be a bullish year !","listText":"Happy new year 2024! May it be a bullish year !","text":"Happy new year 2024! May it be a bullish year !","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/257334215938048","isVote":1,"tweetType":1,"viewCount":1619,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0}],"hots":[{"id":267259754213392,"gmtCreate":1706280140770,"gmtModify":1707018417215,"author":{"id":"4131355104484922","authorId":"4131355104484922","name":"luchi176","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":11,"crmLevelSwitch":1,"followedFlag":false,"authorIdStr":"4131355104484922","idStr":"4131355104484922"},"themes":[],"htmlText":"Yes back when i was still a newbie... too excited but as time goes... gaining experiences and day by day seeing the ups and downs seems pretty normal to me nowadays. When its down, time to top up and when it's up time to cheer! Keep everything positive ans look forward to everyday and it will be fine! Im a side sleeper by the way! Wishing everyone enjoy bullish 2024!","listText":"Yes back when i was still a newbie... too excited but as time goes... gaining experiences and day by day seeing the ups and downs seems pretty normal to me nowadays. When its down, time to top up and when it's up time to cheer! Keep everything positive ans look forward to everyday and it will be fine! Im a side sleeper by the way! Wishing everyone enjoy bullish 2024!","text":"Yes back when i was still a newbie... too excited but as time goes... gaining experiences and day by day seeing the ups and downs seems pretty normal to me nowadays. When its down, time to top up and when it's up time to cheer! Keep everything positive ans look forward to everyday and it will be fine! Im a side sleeper by the way! Wishing everyone enjoy bullish 2024!","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":287,"commentSize":1,"repostSize":2,"link":"https://ttm.financial/post/267259754213392","isVote":1,"tweetType":1,"viewCount":2410,"authorTweetTopStatus":1,"verified":2,"comments":[{"author":{"id":"9000000000000602","authorId":"9000000000000602","name":"EltonRichard","avatar":"https://static.tigerbbs.com/9cf11fbf7e9cf7863269c430ae07d7c9","crmLevel":1,"crmLevelSwitch":0,"authorIdStr":"9000000000000602","idStr":"9000000000000602"},"content":"Hilarious! Agreed, stay positive! Bullish 2024! 🚀","text":"Hilarious! Agreed, stay positive! Bullish 2024! 🚀","html":"Hilarious! Agreed, stay positive! Bullish 2024! 🚀"}],"imageCount":0,"langContent":"EN","totalScore":0},{"id":250471648473248,"gmtCreate":1702169256097,"gmtModify":1702169260352,"author":{"id":"4131355104484922","authorId":"4131355104484922","name":"luchi176","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":11,"crmLevelSwitch":1,"followedFlag":false,"authorIdStr":"4131355104484922","idStr":"4131355104484922"},"themes":[],"htmlText":"If i knew <a href=\"https://ttm.financial/S/NVDA\">$NVIDIA Corp(NVDA)$&nbsp;</a> would skyrocket, i wouldnt sell it at the first quarter. But, im very happy with how 2023 turns out! Most of the stocks are perfoming really well esp&nbsp;<a href=\"https://ttm.financial/S/META\">$Meta Platforms, Inc.(META)$&nbsp;</a>,&nbsp;<a href=\"https://ttm.financial/S/TSLA\">$Tesla Motors(TSLA)$&nbsp;</a> and&nbsp;<a href=\"https://ttm.financial/S/RBLX\">$Roblox Corporation(RBLX)$&nbsp;</a> looking forward to increase my shares and scouting some other company to fill in my portfolio for 2024!&nbsp;","listText":"If i knew <a href=\"https://ttm.financial/S/NVDA\">$NVIDIA Corp(NVDA)$&nbsp;</a> would skyrocket, i wouldnt sell it at the first quarter. But, im very happy with how 2023 turns out! Most of the stocks are perfoming really well esp&nbsp;<a href=\"https://ttm.financial/S/META\">$Meta Platforms, Inc.(META)$&nbsp;</a>,&nbsp;<a href=\"https://ttm.financial/S/TSLA\">$Tesla Motors(TSLA)$&nbsp;</a> and&nbsp;<a href=\"https://ttm.financial/S/RBLX\">$Roblox Corporation(RBLX)$&nbsp;</a> looking forward to increase my shares and scouting some other company to fill in my portfolio for 2024!&nbsp;","text":"If i knew $NVIDIA Corp(NVDA)$ would skyrocket, i wouldnt sell it at the first quarter. But, im very happy with how 2023 turns out! Most of the stocks are perfoming really well esp $Meta Platforms, Inc.(META)$ , $Tesla Motors(TSLA)$ and $Roblox Corporation(RBLX)$ looking forward to increase my shares and scouting some other company to fill in my portfolio for 2024!","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":23,"commentSize":0,"repostSize":15,"link":"https://ttm.financial/post/250471648473248","isVote":1,"tweetType":1,"viewCount":1777,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":380596302700760,"gmtCreate":1733968507989,"gmtModify":1733970809005,"author":{"id":"4131355104484922","authorId":"4131355104484922","name":"luchi176","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":11,"crmLevelSwitch":1,"followedFlag":false,"authorIdStr":"4131355104484922","idStr":"4131355104484922"},"themes":[],"htmlText":"<a href=\"https://ttm.financial/S/TSLA\">$Tesla Motors(TSLA)$ </a> im not a rizzler but&nbsp;<a href=\"https://ttm.financial/S/TSLA\">$Tesla Motors(TSLA)$&nbsp;</a> sure is!&nbsp;[Miser]&nbsp;&nbsp;[Anger]&nbsp;&nbsp;","listText":"<a href=\"https://ttm.financial/S/TSLA\">$Tesla Motors(TSLA)$ </a> im not a rizzler but&nbsp;<a href=\"https://ttm.financial/S/TSLA\">$Tesla Motors(TSLA)$&nbsp;</a> sure is!&nbsp;[Miser]&nbsp;&nbsp;[Anger]&nbsp;&nbsp;","text":"$Tesla Motors(TSLA)$ im not a rizzler but $Tesla Motors(TSLA)$ sure is! [Miser] [Anger]","images":[{"img":"https://community-static.tradeup.com/news/0582e9cead174f9269ec9e2fac86821c","width":"876","height":"1720"}],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":39,"commentSize":1,"repostSize":0,"link":"https://ttm.financial/post/380596302700760","isVote":1,"tweetType":1,"viewCount":3188,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":1,"langContent":"EN","totalScore":0},{"id":9955265994,"gmtCreate":1675467483019,"gmtModify":1676539004447,"author":{"id":"4131355104484922","authorId":"4131355104484922","name":"luchi176","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":11,"crmLevelSwitch":1,"followedFlag":false,"authorIdStr":"4131355104484922","idStr":"4131355104484922"},"themes":[],"htmlText":"Have to do research before taking any actions! Trust your instinct and accept defeat! Dont blame others for our mistakes but ourselves&nbsp;[What]&nbsp;","listText":"Have to do research before taking any actions! Trust your instinct and accept defeat! Dont blame others for our mistakes but ourselves&nbsp;[What]&nbsp;","text":"Have to do research before taking any actions! Trust your instinct and accept defeat! Dont blame others for our mistakes but ourselves [What]","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":8,"commentSize":1,"repostSize":0,"link":"https://ttm.financial/post/9955265994","repostId":"1180792178","repostType":2,"isVote":1,"tweetType":1,"viewCount":1428,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9963342070,"gmtCreate":1668606061991,"gmtModify":1676538083672,"author":{"id":"4131355104484922","authorId":"4131355104484922","name":"luchi176","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":11,"crmLevelSwitch":1,"followedFlag":false,"authorIdStr":"4131355104484922","idStr":"4131355104484922"},"themes":[],"htmlText":"[Miser]&nbsp;[Miser]&nbsp;[Miser]&nbsp;","listText":"[Miser]&nbsp;[Miser]&nbsp;[Miser]&nbsp;","text":"[Miser] [Miser] [Miser]","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":6,"commentSize":2,"repostSize":0,"link":"https://ttm.financial/post/9963342070","repostId":"2283827074","repostType":2,"repost":{"id":"2283827074","kind":"highlight","weMediaInfo":{"introduction":"Reuters.com brings you the latest news from around the world, covering breaking news in markets, business, politics, entertainment and technology","home_visible":1,"media_name":"Reuters","id":"1036604489","head_image":"https://static.tigerbbs.com/443ce19704621c837795676028cec868"},"pubTimestamp":1668601184,"share":"https://ttm.financial/m/news/2283827074?lang=en_US&edition=fundamental","pubTime":"2022-11-16 20:19","market":"sg","language":"en","title":"Grab Lifts Revenue Outlook on Rideshare, Food Delivery Strength","url":"https://stock-news.laohu8.com/highlight/detail?id=2283827074","media":"Reuters","summary":"Nov 16 (Reuters) - Grab Holdings Ltd on Wednesday raised its forecast for annual revenue as demand f","content":"<html><head></head><body><p>Nov 16 (Reuters) - Grab Holdings Ltd on Wednesday raised its forecast for annual revenue as demand for its ride-hailing service and food deliveries remains strong across Southeast Asia.</p><p>U.S.-listed shares of Southeast Asia&#39;s biggest ride-hailing and food delivery firm rose 15% in trading before the bell.</p><p><img src=\"https://static.tigerbbs.com/a53ce28248e71c377ad01973fad01adf\" tg-width=\"853\" tg-height=\"617\" width=\"100%\" height=\"auto\"/></p><p>Decade-old Grab has become a go-to for consumers in the region as they increasingly step out and return to offices.</p><p>The company said it expected revenue between $1.32 billion and $1.35 billion. It had previously forecast revenue between $1.25 billion and $1.30 billion for the year.</p><p>Grab also raised its forecast for annual gross merchandise volume growth (GMV) to between 22% and 25%. It had previously forecast GMV growth of 21% to 25% for the year.</p></body></html>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Grab Lifts Revenue Outlook on Rideshare, Food Delivery Strength</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nGrab Lifts Revenue Outlook on Rideshare, Food Delivery Strength\n</h2>\n\n<h4 class=\"meta\">\n\n\n<a class=\"head\" href=\"https://laohu8.com/wemedia/1036604489\">\n\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/443ce19704621c837795676028cec868);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">Reuters </p>\n<p class=\"h-time\">2022-11-16 20:19</p>\n</div>\n\n</a>\n\n\n</h4>\n\n</header>\n<article>\n<html><head></head><body><p>Nov 16 (Reuters) - Grab Holdings Ltd on Wednesday raised its forecast for annual revenue as demand for its ride-hailing service and food deliveries remains strong across Southeast Asia.</p><p>U.S.-listed shares of Southeast Asia&#39;s biggest ride-hailing and food delivery firm rose 15% in trading before the bell.</p><p><img src=\"https://static.tigerbbs.com/a53ce28248e71c377ad01973fad01adf\" tg-width=\"853\" tg-height=\"617\" width=\"100%\" height=\"auto\"/></p><p>Decade-old Grab has become a go-to for consumers in the region as they increasingly step out and return to offices.</p><p>The company said it expected revenue between $1.32 billion and $1.35 billion. It had previously forecast revenue between $1.25 billion and $1.30 billion for the year.</p><p>Grab also raised its forecast for annual gross merchandise volume growth (GMV) to between 22% and 25%. It had previously forecast GMV growth of 21% to 25% for the year.</p></body></html>\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"GRAB":"Grab Holdings"},"source_url":"","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2283827074","content_text":"Nov 16 (Reuters) - Grab Holdings Ltd on Wednesday raised its forecast for annual revenue as demand for its ride-hailing service and food deliveries remains strong across Southeast Asia.U.S.-listed shares of Southeast Asia's biggest ride-hailing and food delivery firm rose 15% in trading before the bell.Decade-old Grab has become a go-to for consumers in the region as they increasingly step out and return to offices.The company said it expected revenue between $1.32 billion and $1.35 billion. It had previously forecast revenue between $1.25 billion and $1.30 billion for the year.Grab also raised its forecast for annual gross merchandise volume growth (GMV) to between 22% and 25%. It had previously forecast GMV growth of 21% to 25% for the year.","news_type":1,"symbols_score_info":{"GRAB":0.9}},"isVote":1,"tweetType":1,"viewCount":756,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9954779494,"gmtCreate":1676683238919,"gmtModify":1676683243964,"author":{"id":"4131355104484922","authorId":"4131355104484922","name":"luchi176","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":11,"crmLevelSwitch":1,"followedFlag":false,"authorIdStr":"4131355104484922","idStr":"4131355104484922"},"themes":[],"htmlText":"Wow! Wish i knew about investing when i was 11!","listText":"Wow! Wish i knew about investing when i was 11!","text":"Wow! Wish i knew about investing when i was 11!","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":8,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9954779494","repostId":"1101756413","repostType":2,"repost":{"id":"1101756413","kind":"news","pubTimestamp":1676682188,"share":"https://ttm.financial/m/news/1101756413?lang=en_US&edition=fundamental","pubTime":"2023-02-18 09:03","market":"sg","language":"en","title":"4 Dividend-Paying Singapore Stocks for Young Working Adults","url":"https://stock-news.laohu8.com/highlight/detail?id=1101756413","media":"The Smart Investor","summary":"As the saying goes, you are never too young to start investing.While Warren Buffett reportedly inves","content":"<html><head></head><body><p>As the saying goes, you are never too young to start investing.</p><p>While Warren Buffett reportedly invested his first dollar at age 11, most of us may be limited by the amount of money we have at that age.</p><p>Hence, it’s not unusual for many to start investing only when they have earned their first pay cheque.</p><p>If you’ve just entered the workforce, your priority will be on growing your pot of savings.</p><p>You should, therefore, select stocks with promising growth prospects.</p><p>However, a dash of dividends is helpful to add a layer of passive income to their earned income.</p><p>Here is a list of four Singapore stocks that not only display promising growth but also pay out a consistent dividend to boot.</p><p><b>iFAST Corporation Limited (SGX: AIY)</b></p><p>iFAST is a financial technology company that runs a platform for the buying and selling of unit trusts, equities, and bonds.</p><p>The group saw its net profit tumble in 2022 as volatile financial markets and several one-off adjustments impacted its financials.</p><p>However, the fintech still saw healthy fund inflows of S$2.1 billion last year with its fixed income division also seeing a surge in subscriptions as bond yields surged.</p><p>iFAST is also counting on its Hong Kong division to be an important growth driver for the group from this year till 2025.</p><p>The division snagged a significant ePension contract that should greatly boost the division’s revenue and net profit once contributions start flowing in from the fourth quarter of this year (4Q 2023).</p><p>An annual dividend of S$0.048 was declared for 2022, similar to the level paid out in 2021.</p><p>Shares of iFAST provide a 0.9% historical dividend yield.</p><p><b>UMS Holdings Limited (SGX: 558)</b></p><p>UMS provides equipment manufacturing and engineering services to the original equipment manufacturers of semiconductors.</p><p>The group reported a strong set of earnings for the first nine months of 2022 (9M 2022).</p><p>Revenue climbed 48% year on year to S$271.4 million while net profit surged by 73% year on year to S$82 million.</p><p>UMS believes that global chip demand should remain fairly strong over the long term, although the industry may be facing a short-term cyclical downturn.</p><p>The semiconductor market is projected to surpass US$1 trillion by 2030, led by a boom in automobiles and data centres.</p><p>UMS is also ramping up its expansion plans with the construction of its Penang factory completed by the end of last year and in preparation for production ramp-up in the middle of 2023.</p><p>An interim dividend of S$0.01 was declared for the third quarter of 2022.</p><p>UMS’ trailing 12-month dividend stood at S$0.05, giving its shares a trailing 12-month dividend yield of 4.5%.</p><p><b>The Hour Glass (SGX: AGS)</b></p><p>The Hour Glass, or THG, is a retailer of luxury watches with 50 boutiques in the Asia-Pacific region.</p><p>The group is the official retailer of famous Swiss watch brands such as Rolex, Patek Philippe, and Audemars Piguet.</p><p>The group reported a strong set of earnings for its fiscal 2023’s first half (1H FY2023).</p><p>Total revenue rose 18% year on year to S$562.7 million while net profit surged 35% year on year to S$84.6 million.</p><p>The group expects to be profitable for FY2023 and with China’s recent reopening, there could be stronger demand for luxury timepieces in the coming months.</p><p>An interim dividend of S$0.02 was paid out, similar to a year ago.</p><p>The trailing 12-month dividend came in at S$0.08, giving THG’s shares a trailing dividend yield of 3.9%.</p><p><b>Food Empire Holdings Ltd (SGX: F03)</b></p><p>Food Empire is a food and beverage manufacturer that produces instant beverages and frozen and snack food products.</p><p>The group’s products are sold in over 50 countries and it has 23 offices worldwide along with eight manufacturing facilities.</p><p>For 9M 2022, Food Empire posted a 26.5% year on year rise in revenue to US$286 million.</p><p>Net profit soared more than three-fold year on year from US$14.6 million to US$49.6 million.</p><p>The food and beverage group recently announced that for 2022, it will report a substantial increase in profits that is partly due to the disposal of a non-core asset.</p><p>For 2021, Food Empire paid out a total dividend of S$0.022, giving its shares a historical dividend yield of 2.7%.</p></body></html>","source":"lsy1602567310727","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>4 Dividend-Paying Singapore Stocks for Young Working Adults</title>\n<style 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margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\n4 Dividend-Paying Singapore Stocks for Young Working Adults\n</h2>\n\n<h4 class=\"meta\">\n\n\n2023-02-18 09:03 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://thesmartinvestor.com.sg/4-dividend-paying-singapore-stocks-for-young-working-adults/><strong>The Smart Investor</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>As the saying goes, you are never too young to start investing.While Warren Buffett reportedly invested his first dollar at age 11, most of us may be limited by the amount of money we have at that age...</p>\n\n<a href=\"https://thesmartinvestor.com.sg/4-dividend-paying-singapore-stocks-for-young-working-adults/\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"AIY.SI":"奕丰集团","F03.SI":"富旺朝","AGS.SI":"欧佳时","558.SI":"UMS控股"},"source_url":"https://thesmartinvestor.com.sg/4-dividend-paying-singapore-stocks-for-young-working-adults/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1101756413","content_text":"As the saying goes, you are never too young to start investing.While Warren Buffett reportedly invested his first dollar at age 11, most of us may be limited by the amount of money we have at that age.Hence, it’s not unusual for many to start investing only when they have earned their first pay cheque.If you’ve just entered the workforce, your priority will be on growing your pot of savings.You should, therefore, select stocks with promising growth prospects.However, a dash of dividends is helpful to add a layer of passive income to their earned income.Here is a list of four Singapore stocks that not only display promising growth but also pay out a consistent dividend to boot.iFAST Corporation Limited (SGX: AIY)iFAST is a financial technology company that runs a platform for the buying and selling of unit trusts, equities, and bonds.The group saw its net profit tumble in 2022 as volatile financial markets and several one-off adjustments impacted its financials.However, the fintech still saw healthy fund inflows of S$2.1 billion last year with its fixed income division also seeing a surge in subscriptions as bond yields surged.iFAST is also counting on its Hong Kong division to be an important growth driver for the group from this year till 2025.The division snagged a significant ePension contract that should greatly boost the division’s revenue and net profit once contributions start flowing in from the fourth quarter of this year (4Q 2023).An annual dividend of S$0.048 was declared for 2022, similar to the level paid out in 2021.Shares of iFAST provide a 0.9% historical dividend yield.UMS Holdings Limited (SGX: 558)UMS provides equipment manufacturing and engineering services to the original equipment manufacturers of semiconductors.The group reported a strong set of earnings for the first nine months of 2022 (9M 2022).Revenue climbed 48% year on year to S$271.4 million while net profit surged by 73% year on year to S$82 million.UMS believes that global chip demand should remain fairly strong over the long term, although the industry may be facing a short-term cyclical downturn.The semiconductor market is projected to surpass US$1 trillion by 2030, led by a boom in automobiles and data centres.UMS is also ramping up its expansion plans with the construction of its Penang factory completed by the end of last year and in preparation for production ramp-up in the middle of 2023.An interim dividend of S$0.01 was declared for the third quarter of 2022.UMS’ trailing 12-month dividend stood at S$0.05, giving its shares a trailing 12-month dividend yield of 4.5%.The Hour Glass (SGX: AGS)The Hour Glass, or THG, is a retailer of luxury watches with 50 boutiques in the Asia-Pacific region.The group is the official retailer of famous Swiss watch brands such as Rolex, Patek Philippe, and Audemars Piguet.The group reported a strong set of earnings for its fiscal 2023’s first half (1H FY2023).Total revenue rose 18% year on year to S$562.7 million while net profit surged 35% year on year to S$84.6 million.The group expects to be profitable for FY2023 and with China’s recent reopening, there could be stronger demand for luxury timepieces in the coming months.An interim dividend of S$0.02 was paid out, similar to a year ago.The trailing 12-month dividend came in at S$0.08, giving THG’s shares a trailing dividend yield of 3.9%.Food Empire Holdings Ltd (SGX: F03)Food Empire is a food and beverage manufacturer that produces instant beverages and frozen and snack food products.The group’s products are sold in over 50 countries and it has 23 offices worldwide along with eight manufacturing facilities.For 9M 2022, Food Empire posted a 26.5% year on year rise in revenue to US$286 million.Net profit soared more than three-fold year on year from US$14.6 million to US$49.6 million.The food and beverage group recently announced that for 2022, it will report a substantial increase in profits that is partly due to the disposal of a non-core asset.For 2021, Food Empire paid out a total dividend of S$0.022, giving its shares a historical dividend yield of 2.7%.","news_type":1,"symbols_score_info":{"558.SI":0.9,"AGS.SI":0.9,"AIY.SI":0.9,"F03.SI":0.9}},"isVote":1,"tweetType":1,"viewCount":1502,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9969972376,"gmtCreate":1668335618796,"gmtModify":1676538042629,"author":{"id":"4131355104484922","authorId":"4131355104484922","name":"luchi176","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":11,"crmLevelSwitch":1,"followedFlag":false,"authorIdStr":"4131355104484922","idStr":"4131355104484922"},"themes":[],"htmlText":"Thank you for sharing😃","listText":"Thank you for sharing😃","text":"Thank you for sharing😃","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":5,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9969972376","repostId":"2282510514","repostType":2,"repost":{"id":"2282510514","kind":"highlight","pubTimestamp":1668300238,"share":"https://ttm.financial/m/news/2282510514?lang=en_US&edition=fundamental","pubTime":"2022-11-13 08:43","market":"us","language":"en","title":"3 Stocks You'll Be Glad You Bought at These Prices","url":"https://stock-news.laohu8.com/highlight/detail?id=2282510514","media":"Motley Fool","summary":"A slumped stock market has produced many great buying opportunities among growth stocks.","content":"<div>\n<p>When the stock market falls sharply, the stocks of many great companies often go on sale. That has happened in spades lately. The stock market, as measured by the S&P 500, was recently down about 21% ...</p>\n\n<a href=\"https://www.fool.com/investing/2022/11/12/3-stocks-youll-be-glad-you-bought-at-these-prices/\">Source Link</a>\n\n</div>\n","source":"fool_stock","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>3 Stocks You'll Be Glad You Bought at These Prices</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\n3 Stocks You'll Be Glad You Bought at These Prices\n</h2>\n\n<h4 class=\"meta\">\n\n\n2022-11-13 08:43 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://www.fool.com/investing/2022/11/12/3-stocks-youll-be-glad-you-bought-at-these-prices/><strong>Motley Fool</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>When the stock market falls sharply, the stocks of many great companies often go on sale. That has happened in spades lately. The stock market, as measured by the S&P 500, was recently down about 21% ...</p>\n\n<a href=\"https://www.fool.com/investing/2022/11/12/3-stocks-youll-be-glad-you-bought-at-these-prices/\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"CMCSA":"康卡斯特","GOOG":"谷歌","NKE":"耐克","GOOGL":"谷歌A"},"source_url":"https://www.fool.com/investing/2022/11/12/3-stocks-youll-be-glad-you-bought-at-these-prices/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2282510514","content_text":"When the stock market falls sharply, the stocks of many great companies often go on sale. That has happened in spades lately. The stock market, as measured by the S&P 500, was recently down about 21% from its 52-week high -- while many stocks have seen their shares implode by 50%, 75%, and perhaps even more.Here are three companies in which you might want to invest, now that their stocks are at much lower levels than they have been in quite a while.1. Nike Nike is \"the world's leading designer, marketer and distributor of authentic athletic footwear, apparel, equipment and accessories for a wide variety of sports and fitness activities.\" That's no surprise to most of us. You might be surprised to learn that the venerable Converse brand is now part of Nike, though.Nike is facing competition from companies such as Adidas and New Balance, and is challenged by supply chain issues, as are many other businesses. And sales in a key market, China, are pressured due to pandemic lockdowns. But Nike still has an extremely valuable brand -- ranked 10th in the world with an estimated value of $41 billion, per the folks at Interbrand.Investors balked at Nike's first-quarter report, which revealed inventory piling up. But the report was not a total bust, with both revenue and earnings exceeding analyst expectations. Nike's shares have slumped some 47% from their 52-week high, and with a recent price-to-earnings (P/E) ratio of 27, considerably less than the five-year average of 47, the stock is more attractively priced than it was months ago.till, that's not a bargain-basement price, so if you believe in Nike's growth potential, you might buy into it incrementally over time, hoping for some lower entry points. Or you might just add it to your watch list, waiting for a more enticing time to \"just do it\" and buy.2. ComcastComcast has grown into a massive media and technology company -- focused primarily on connectivity, aggregation, and streaming and with a recent market value topping $135 billion. You may not realize it, but its businesses and brands include Xfinity, Comcast Business, Sky, Universal Filmed Entertainment Group, Universal Studio Group, Sky Studios, the NBC and Telemundo broadcast networks, multiple cable networks, Peacock, NBCUniversal News Group, NBC Sports, Sky News, and Sky Sports -- not to mention Universal Parks and Resorts.Comcast's recently reported third quarter featured a 1.5% drop in revenue year over year. But free cash flow grew by 4.7%, while adjusted net income rose 4.5% and net cash from operating activities jumped 13.9%. The company is investing in growing its Peacock streaming service, and its theme parks have been doing well.Some worry about slowing growth in broadband and people continuing to cut the cable in favor of streaming services, but others see opportunity if Comcast sheds some businesses and invests in faster-growing ones, such as wireless and theme parks.Comcast's stock was recently down 42% from its 52-week high, which pushed its forward-looking P/E ratio down to 8.2 from its five-year average of 14.5. And as always happens, when a stock price falls, a dividend yield rises -- and Comcast stock was recently yielding a solid 3.5%.3. AlphabetAlphabet is a widely admired powerhouse, with a recent market value topping $1.1 trillion and a brand ranked No. 4 in the world (by Interbrand) and valued at nearly $252 billion. That hasn't been enough to keep its stock afloat in these volatile days, though. Alphabet's shares were recently down almost 42% from their 52-week high, presenting an attractive entry point.Remember that Alphabet is much more than just the dominant Google search engine. Its universe includes the very widely used Android mobile operating system, along with YouTube, and Google Cloud. YouTube alone is a very valuable property, with users reportedly watching more than a billion hours of content daily and YouTube advertising recently delivering 10% of total revenue. Alphabet also owns the Google Play app store, smart thermostat maker Nest, and Fitbit, among other things. Google advertising still generates most of its revenue, though -- fully 79% in its third quarter of 2022.CEO Sundar Pichai recently noted: \"We're sharpening our focus on a clear set of product and business priorities. Product announcements we've made in just the past month alone have shown that very clearly, including significant improvements to both Search and Cloud, powered by AI, and new ways to monetize YouTube Shorts.\" CFO Ruth Porat noted, \"We're working to realign resources to fuel our highest growth priorities.\"There are plenty of other exciting growth stocks to consider for your long-term portfolio, and this is a great time to hunt for them, when they've fallen to more attractive levels.","news_type":1,"symbols_score_info":{"GOOG":0.9,"GOOGL":0.9,"CMCSA":0.9,"NKE":0.9}},"isVote":1,"tweetType":1,"viewCount":725,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9941619272,"gmtCreate":1680186641596,"gmtModify":1680186643877,"author":{"id":"4131355104484922","authorId":"4131355104484922","name":"luchi176","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":11,"crmLevelSwitch":1,"followedFlag":false,"authorIdStr":"4131355104484922","idStr":"4131355104484922"},"themes":[],"htmlText":"Wow!!! My first time investing and i didnt regret buying&nbsp;&nbsp;<a href=\"https://ttm.financial/S/AMD\">$Advanced Micro Devices(AMD)$&nbsp;</a><v-v data-views=\"1\"></v-v>stock and <v-v data-views=\"1\"></v-v>these two stock has shown very encouraging rise! Kudos to those buying them when they're on sale. Now, their prices are skyrocketting&nbsp;[Miser]&nbsp;[Miser]&nbsp;[Miser]&nbsp;","listText":"Wow!!! My first time investing and i didnt regret buying&nbsp;&nbsp;<a href=\"https://ttm.financial/S/AMD\">$Advanced Micro Devices(AMD)$&nbsp;</a><v-v data-views=\"1\"></v-v>stock and <v-v data-views=\"1\"></v-v>these two stock has shown very encouraging rise! Kudos to those buying them when they're on sale. Now, their prices are skyrocketting&nbsp;[Miser]&nbsp;[Miser]&nbsp;[Miser]&nbsp;","text":"Wow!!! My first time investing and i didnt regret buying $Advanced Micro Devices(AMD)$ stock and these two stock has shown very encouraging rise! Kudos to those buying them when they're on sale. Now, their prices are skyrocketting [Miser] [Miser] [Miser]","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9941619272","isVote":1,"tweetType":1,"viewCount":1048,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9925702818,"gmtCreate":1672103250434,"gmtModify":1676538634020,"author":{"id":"4131355104484922","authorId":"4131355104484922","name":"luchi176","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":11,"crmLevelSwitch":1,"followedFlag":false,"authorIdStr":"4131355104484922","idStr":"4131355104484922"},"themes":[],"htmlText":"Loving this! Thank you for sharing! #tobetter2023","listText":"Loving this! Thank you for sharing! #tobetter2023","text":"Loving this! Thank you for sharing! #tobetter2023","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":3,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9925702818","repostId":"2293480523","repostType":4,"repost":{"id":"2293480523","kind":"highlight","weMediaInfo":{"introduction":"Dow Jones publishes the world’s most trusted business news and financial information in a variety of media.","home_visible":0,"media_name":"Dow Jones","id":"106","head_image":"https://static.tigerbbs.com/150f88aa4d182df19190059f4a365e99"},"pubTimestamp":1672098574,"share":"https://ttm.financial/m/news/2293480523?lang=en_US&edition=fundamental","pubTime":"2022-12-27 07:49","market":"us","language":"en","title":"Six Ways to Protect Your Money in 2023","url":"https://stock-news.laohu8.com/highlight/detail?id=2293480523","media":"Dow Jones","summary":"The highest inflation in four decades. A bear market in stocks. Fears of a recession. A crypto implo","content":"<html><head></head><body><p>The highest inflation in four decades. A bear market in stocks. Fears of a recession. A crypto implosion.</p><p>The past year was a trying one for American households. It strained their budgets, reduced their spending power and clobbered their 401(k) balances. Despite a recent burst of positive news—moderating gas prices and a slowing pace of inflation—many believe the economy will be in worse shape in 2023 than it is now.</p><p>Whatever the next 12 months bring, there are some simple steps you can take now to prepare your finances for any further economic uncertainty.</p><p>Move cash to banking accounts that yield more in interest and charge less in fees. Cancel unused memberships and negotiate charges on those you keep. Review 401(k) contributions and allocations.</p><p>It might pay to act with urgency. Some financial benefits that could make a difference expire on New Year’s Eve. Here are six money moves to consider making before breaking out the bubbly:</p><h2>Earn more on your savings</h2><p>Keeping your cash in a typical savings account right now is only marginally better than stuffing it under a mattress. The average annual interest rate on savings accounts at all banks is 0.268%, according to the financial site DepositAccounts.com, meaning $1,000 in savings will yield barely enough to buy a slice of pizza.</p><p><img src=\"https://static.tigerbbs.com/cc5df6eca3284cd89acd9484d70c15a0\" tg-width=\"639\" tg-height=\"1086\" referrerpolicy=\"no-referrer\" width=\"100%\" height=\"auto\"/></p><p>Some of the lowest rates are at the biggest institutions. Customers of the five largest U.S. banks could have earned $42 billion more on their balances in the third quarter just bymoving their cash to higher yielding accountsat other banks, by one estimate. Some online-only accounts, for example, pay rates around 4% and can be linked to an existing account for easy transfers.</p><p>The payoff involved in moving your cash away from the biggest banks is currently greater than at any point in the last decade, according to Ken Tumin, the founder of DepositAccounts, which is owned by the financial-services marketplaceLendingTree.</p><p>True optimizers might appreciateMaxMyInterest, a service that, in exchange for a 0.08% annual fee on their holdings, monitors which banks offer the highest interest rates and allows customers to reallocate their cash accordingly on a regular basis.</p><p>For those willing to sacrifice some liquidity, one of the best risk-free returns right now comes frominflation-adjusted I Bonds, which currently pay out 6.89%, but must be held for at least a year. Americans can buy up to $10,000 of these U.S. government-backed savings bonds each calendar year, so those who want to max out their purchases should do so before January, says Mr. Tumin. The interest rate on these bonds is based on a calculation tied to the consumer-price index, one reason they became popular this year as inflation surged.</p><p>After I Bonds, Mr. Tumin suggests considering certificates of deposit orTreasury securities, some of which offer higher rates than those of the top online savings accounts; for instance, a six-month T-bill purchased Thursday would yield about 4.66% on an annualized basis. That said, temporarily tying up your money could mean missing out on better yields soon if the Federal Reserve continues to raise rates.</p><p>Finding a home for your cash that pays higher yields won’t make you rich, but it can give you some protection from inflation, says Gary Zimmerman, the CEO of MaxMyInterest. Even some of the best options have still been outpaced by inflation recently. “The real return on cash may be negative, but it would be even more negative if you’re complacent about where you keep your cash,” he says.</p><h2>Switch your bank accounts</h2><p>Banking changed dramatically over the last two decades, but chances are the institution you bank with hasn’t. Americans stick with the same primary checking and savings accounts for about 17 years on average,according to a Bankrate survey. That is longer than the average marriage.</p><p><img src=\"https://static.tigerbbs.com/3fa1d86619600eda3092eaa7e43a5295\" tg-width=\"639\" tg-height=\"1089\" referrerpolicy=\"no-referrer\" width=\"100%\" height=\"auto\"/></p><p>It is worth regularly shopping around to make sure you’re still getting the best deal, saysGreg McBride, chief financial analyst at Bankrate.com, particularly if you are paying any ATM or monthly maintenance fees. It is now easy to find a bank that offers those services free, he said, and the benefits could outweigh the inconvenience of switching institutions.</p><p>For example, customers who typically carry a low balance in their checking account may benefit from choosing accounts with an extended overdraft grace period. One institution,Citizens Financial Group, added a feature to some of its checking accounts that gives customers who overdraft until 10 p.m. the following business day to cover the negative balance to avoid fees.</p><p>A customer who has more than $250,000, which is the maximum amount per depositor that is insured by the Federal Deposit Insurance Corp., may also benefit from switching to a brokerage that can offer more insurance coverage by partnering with multiple FDIC-regulated banks. One brokerage giant, Fidelity Investments, allows customers to hold up to $3 million in insured deposits in its cash management account through partnerships with 26 banks.</p><p>Many new financial-technology companies offer even more specialized features bundled with checking accounts. LiliApp Inc., an online-only bank for gig-economy workers and entrepreneurs, includes a tax-write-off tracker with its checking account. Majority, a digital bank for migrants, offers unlimited international transfers as part of its monthly subscription fee.</p><h2>Cancel your subscriptions</h2><p>This time of year many Americans sign up for gym memberships as part of a resolution to lose a few pounds. It is also a good time to cancel unused memberships to shed a few bucks from your budget.</p><p><img src=\"https://static.tigerbbs.com/1edfab7036046f4dd9392995182adcec\" tg-width=\"639\" tg-height=\"1073\" referrerpolicy=\"no-referrer\" width=\"100%\" height=\"auto\"/></p><p>The average American spends more than $200 a month on subscription fees and underestimates the cost by roughly $130, according to a study by C+R Research earlier this year. Roughly three quarters of consumers say it is easy to forget about recurring charges and 42% admitted that they were still paying for a subscription they had forgotten about.</p><p>The monthly costs associated with streaming services, subscription boxes, gym memberships and mobile apps have all crept higher over the past year, according to data from Rocket Money, which operates a personal finance app that tracks spending. Subscription spending among Rocket Money members increased an average of 8.5% this year compared with 2021. Once you authorize a company to take recurring payments from your account, they can change the price without asking permission, making it easy to lose track of exactly how much you are spending.</p><p>This is a good moment to take stock in the recurring payments you may have forgotten, said Yahya Mokhtarzad, chief revenue officer at Rocket Money. “This year more than recent years, it is important to not just take stock of your finances but to really cut unneeded expenses and brace for what could be a tough 2023,” he said.</p><h2>Renegotiate your bills</h2><p>For all the recurring bills you cannot cancel, pick up the phone and negotiate.</p><p>Cable companies and wireless providers may be willing to lower your bill since it costs more to acquire a new customer than to keep an existing one, said Ted Rossman, a consumer-spending analyst at Bankrate.</p><p><img src=\"https://static.tigerbbs.com/a58879e51f265a3ea65674fc9b3bc8a5\" tg-width=\"639\" tg-height=\"1089\" referrerpolicy=\"no-referrer\" width=\"100%\" height=\"auto\"/>Don’t be afraid to ask the company for your old rate back or to match a competitor’s price, he said. There is often an unadvertised retention discount to keep customers from canceling. You can also request any deals and discounts being offered to new customers, even if you’re a longtime subscriber, he said.</p><p>If you’re asking for a lower rate with a service provider such as your wireless company, be aware that you may be offered a promotional rate that increases significantly after an initial period expires, said Sophie Raseman, head of financial solutions at Brightside, a company that provides financial guidance to workers. Set a reminder to cancel or downgrade then, she said.</p><p>Another way to cut costs is to ask that certain fees be removed from your statement. These charges include line items on your phone, internet, or cable bill and may appear as “other fees.”</p><p>If your first attempt to negotiate isn’t successful, call again on a different day as you may have more success with a different customer-service representative, saidBruce McClary, senior vice president at National Foundation for Credit Counseling.</p><h2>Check your 401(k)</h2><p>The standard advice for retirement plans is to let them run on autopilot and to resist the temptation to check your account and make changes when markets are down.</p><p><img src=\"https://static.tigerbbs.com/722955959b8f5671ab714669dcd985d9\" tg-width=\"639\" tg-height=\"1089\" referrerpolicy=\"no-referrer\" width=\"100%\" height=\"auto\"/></p><p>But at least once a year, itpays to log into your accounts and reviewyour savings rate, investment mix and the types of tax-advantaged accounts you use. The S&amp;P 500 stock index is down 19.3% this year through Friday and U.S. intermediate-term bond funds are down 12.4%; investors should rebalance if their asset allocation has strayed from their long-term targets.</p><p>The Internal Revenue Service recently raised the annual 401(k) contribution limit $2,000 to $22,500 for 2023, the largest increase ever in terms of dollars and percentage, according to benefits provider Milliman. For those 50 or older, the 2023 limit rises to $30,000.</p><p>“You should avoid checking too often, based on what the market did that day, but you need to check in periodically to make sure your choices are still aligned with your long-term retirement goals,” said Mike Shamrell, a vice president at Fidelity Investments.</p><p>As inflation strains budgets, some Americans have had to make temporary reductions in 401(k) savings. The good news:The impact of doing so—even for a few years—isn’t as big as you might think, provided you have a plan to catch up later.</p><p>For those able to save more, the higher contribution limits create an “unprecedented opportunity,” said Ed Slott, a certified public accountant and IRA specialist in Rockville Centre, N.Y.</p><p>More investors with money in workplace retirement plans now have the option of choosing between a traditional 401(k), where contributions are deducted and withdrawals are taxed, and a Roth 401(k), where contributions are taxed and distributions can be tax-free. Workers can also divide their 401(k) contributions between the two.</p><p>Using some of each could pay off down the road. One advantage to putting some money into a Roth is that retirees can pull money out tax-free in years when dipping into a regular 401(k) would push them into a higher bracket.</p><h2>Don&#39;t wait until it is too late</h2><p>It doesn&#39;t pay to procrastinate. A number of important financial benefits that could improve the position of your household in 2023 expire on New Year&#39;s Eve.</p><p>Make your financial gifts: Families can give gifts of up to $16,000 to an unlimited number of people without triggering estate or gift tax. That amount, known as the annual exclusion, jumps to $17,000 for 2023.</p><p>A special rule lets donors use five years worth of annual exclusion gifts at once to superfund 529 college savings plans, which let parents, grandparents and others invest money to be used for a beneficiary&#39;s qualified education expenses. That works out to $80,000 per beneficiary account for 2022.</p><p>&#34;Paying for education is a really efficient way to transfer wealth,&#34; says Elisa Shevlin Rizzo, a chief fiduciary officer for Northern Trust Wealth Management in New York.</p><p>A separate rule lets individuals pay anyone&#39;s qualified education expenses and medical bills without estate or gift tax consequences if they make payments directly to the school or medical provider.</p><p>Donors who give away more than $16,000 to anyone must report the gifts on a federal gift tax return, Form 709. Any excess amount counts toward the amount you can give during your lifetime, or at death, and be exempt from federal estate and gift taxes. That exemption is $12.06 million per person for 2022, and rises to $12.9 million for 2023.</p><p>Use your healthcare accounts: Many workers have bigger balances than usual in their workplace healthcare flexible-spending accounts, which allow employees to set aside pretax money from their paychecks to pay for medical expenses, because of special Covid-related FSA carry-over rules. Now they are facing a Dec. 31 deadline to use their money or forfeit it. Check your FSA balance and your plan&#39;s spend down rules now.</p><p>Take your losses: This year&#39;s painful selloff brings an opportunity for investors to harvest losses in their brokerage accounts. Taxpayers who sell investments, including crypto, at a loss through Dec. 31 can offset gains on winners and up to $3,000 of ordinary income on their 2022 tax return. Unused losses carry over to future years.</p><p>Make your required withdrawals: In most cases, taxpayers 72 and older must take annual required minimum distributions, or RMDs, from traditional individual retirement accounts and 401(k)s by Dec. 31 or face a penalty of 50% of the amount they should have withdrawn. One exception: Those who turned 72 this year can wait until April 1, 2023 to take their first RMD. Inherited IRAs, both traditional and Roth, have RMDs too, with special rules for IRAs inherited in 2020 or later. A bill nearing approval in Congress raises the RMD age to 73 in 2023 and 75 in 2033 and reduces the penalty for missed RMDs.</p><p>(END) Dow Jones Newswires</p><p>December 23, 2022 07:51 ET (12:51 GMT)</p><p>Copyright (c) 2022 Dow Jones &amp; Company, Inc.</p></body></html>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Six Ways to Protect Your Money in 2023</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nSix Ways to Protect Your Money in 2023\n</h2>\n\n<h4 class=\"meta\">\n\n\n<div class=\"head\" \">\n\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/150f88aa4d182df19190059f4a365e99);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">Dow Jones </p>\n<p class=\"h-time\">2022-12-27 07:49</p>\n</div>\n\n</div>\n\n\n</h4>\n\n</header>\n<article>\n<html><head></head><body><p>The highest inflation in four decades. A bear market in stocks. Fears of a recession. A crypto implosion.</p><p>The past year was a trying one for American households. It strained their budgets, reduced their spending power and clobbered their 401(k) balances. Despite a recent burst of positive news—moderating gas prices and a slowing pace of inflation—many believe the economy will be in worse shape in 2023 than it is now.</p><p>Whatever the next 12 months bring, there are some simple steps you can take now to prepare your finances for any further economic uncertainty.</p><p>Move cash to banking accounts that yield more in interest and charge less in fees. Cancel unused memberships and negotiate charges on those you keep. Review 401(k) contributions and allocations.</p><p>It might pay to act with urgency. Some financial benefits that could make a difference expire on New Year’s Eve. Here are six money moves to consider making before breaking out the bubbly:</p><h2>Earn more on your savings</h2><p>Keeping your cash in a typical savings account right now is only marginally better than stuffing it under a mattress. The average annual interest rate on savings accounts at all banks is 0.268%, according to the financial site DepositAccounts.com, meaning $1,000 in savings will yield barely enough to buy a slice of pizza.</p><p><img src=\"https://static.tigerbbs.com/cc5df6eca3284cd89acd9484d70c15a0\" tg-width=\"639\" tg-height=\"1086\" referrerpolicy=\"no-referrer\" width=\"100%\" height=\"auto\"/></p><p>Some of the lowest rates are at the biggest institutions. Customers of the five largest U.S. banks could have earned $42 billion more on their balances in the third quarter just bymoving their cash to higher yielding accountsat other banks, by one estimate. Some online-only accounts, for example, pay rates around 4% and can be linked to an existing account for easy transfers.</p><p>The payoff involved in moving your cash away from the biggest banks is currently greater than at any point in the last decade, according to Ken Tumin, the founder of DepositAccounts, which is owned by the financial-services marketplaceLendingTree.</p><p>True optimizers might appreciateMaxMyInterest, a service that, in exchange for a 0.08% annual fee on their holdings, monitors which banks offer the highest interest rates and allows customers to reallocate their cash accordingly on a regular basis.</p><p>For those willing to sacrifice some liquidity, one of the best risk-free returns right now comes frominflation-adjusted I Bonds, which currently pay out 6.89%, but must be held for at least a year. Americans can buy up to $10,000 of these U.S. government-backed savings bonds each calendar year, so those who want to max out their purchases should do so before January, says Mr. Tumin. The interest rate on these bonds is based on a calculation tied to the consumer-price index, one reason they became popular this year as inflation surged.</p><p>After I Bonds, Mr. Tumin suggests considering certificates of deposit orTreasury securities, some of which offer higher rates than those of the top online savings accounts; for instance, a six-month T-bill purchased Thursday would yield about 4.66% on an annualized basis. That said, temporarily tying up your money could mean missing out on better yields soon if the Federal Reserve continues to raise rates.</p><p>Finding a home for your cash that pays higher yields won’t make you rich, but it can give you some protection from inflation, says Gary Zimmerman, the CEO of MaxMyInterest. Even some of the best options have still been outpaced by inflation recently. “The real return on cash may be negative, but it would be even more negative if you’re complacent about where you keep your cash,” he says.</p><h2>Switch your bank accounts</h2><p>Banking changed dramatically over the last two decades, but chances are the institution you bank with hasn’t. Americans stick with the same primary checking and savings accounts for about 17 years on average,according to a Bankrate survey. That is longer than the average marriage.</p><p><img src=\"https://static.tigerbbs.com/3fa1d86619600eda3092eaa7e43a5295\" tg-width=\"639\" tg-height=\"1089\" referrerpolicy=\"no-referrer\" width=\"100%\" height=\"auto\"/></p><p>It is worth regularly shopping around to make sure you’re still getting the best deal, saysGreg McBride, chief financial analyst at Bankrate.com, particularly if you are paying any ATM or monthly maintenance fees. It is now easy to find a bank that offers those services free, he said, and the benefits could outweigh the inconvenience of switching institutions.</p><p>For example, customers who typically carry a low balance in their checking account may benefit from choosing accounts with an extended overdraft grace period. One institution,Citizens Financial Group, added a feature to some of its checking accounts that gives customers who overdraft until 10 p.m. the following business day to cover the negative balance to avoid fees.</p><p>A customer who has more than $250,000, which is the maximum amount per depositor that is insured by the Federal Deposit Insurance Corp., may also benefit from switching to a brokerage that can offer more insurance coverage by partnering with multiple FDIC-regulated banks. One brokerage giant, Fidelity Investments, allows customers to hold up to $3 million in insured deposits in its cash management account through partnerships with 26 banks.</p><p>Many new financial-technology companies offer even more specialized features bundled with checking accounts. LiliApp Inc., an online-only bank for gig-economy workers and entrepreneurs, includes a tax-write-off tracker with its checking account. Majority, a digital bank for migrants, offers unlimited international transfers as part of its monthly subscription fee.</p><h2>Cancel your subscriptions</h2><p>This time of year many Americans sign up for gym memberships as part of a resolution to lose a few pounds. It is also a good time to cancel unused memberships to shed a few bucks from your budget.</p><p><img src=\"https://static.tigerbbs.com/1edfab7036046f4dd9392995182adcec\" tg-width=\"639\" tg-height=\"1073\" referrerpolicy=\"no-referrer\" width=\"100%\" height=\"auto\"/></p><p>The average American spends more than $200 a month on subscription fees and underestimates the cost by roughly $130, according to a study by C+R Research earlier this year. Roughly three quarters of consumers say it is easy to forget about recurring charges and 42% admitted that they were still paying for a subscription they had forgotten about.</p><p>The monthly costs associated with streaming services, subscription boxes, gym memberships and mobile apps have all crept higher over the past year, according to data from Rocket Money, which operates a personal finance app that tracks spending. Subscription spending among Rocket Money members increased an average of 8.5% this year compared with 2021. Once you authorize a company to take recurring payments from your account, they can change the price without asking permission, making it easy to lose track of exactly how much you are spending.</p><p>This is a good moment to take stock in the recurring payments you may have forgotten, said Yahya Mokhtarzad, chief revenue officer at Rocket Money. “This year more than recent years, it is important to not just take stock of your finances but to really cut unneeded expenses and brace for what could be a tough 2023,” he said.</p><h2>Renegotiate your bills</h2><p>For all the recurring bills you cannot cancel, pick up the phone and negotiate.</p><p>Cable companies and wireless providers may be willing to lower your bill since it costs more to acquire a new customer than to keep an existing one, said Ted Rossman, a consumer-spending analyst at Bankrate.</p><p><img src=\"https://static.tigerbbs.com/a58879e51f265a3ea65674fc9b3bc8a5\" tg-width=\"639\" tg-height=\"1089\" referrerpolicy=\"no-referrer\" width=\"100%\" height=\"auto\"/>Don’t be afraid to ask the company for your old rate back or to match a competitor’s price, he said. There is often an unadvertised retention discount to keep customers from canceling. You can also request any deals and discounts being offered to new customers, even if you’re a longtime subscriber, he said.</p><p>If you’re asking for a lower rate with a service provider such as your wireless company, be aware that you may be offered a promotional rate that increases significantly after an initial period expires, said Sophie Raseman, head of financial solutions at Brightside, a company that provides financial guidance to workers. Set a reminder to cancel or downgrade then, she said.</p><p>Another way to cut costs is to ask that certain fees be removed from your statement. These charges include line items on your phone, internet, or cable bill and may appear as “other fees.”</p><p>If your first attempt to negotiate isn’t successful, call again on a different day as you may have more success with a different customer-service representative, saidBruce McClary, senior vice president at National Foundation for Credit Counseling.</p><h2>Check your 401(k)</h2><p>The standard advice for retirement plans is to let them run on autopilot and to resist the temptation to check your account and make changes when markets are down.</p><p><img src=\"https://static.tigerbbs.com/722955959b8f5671ab714669dcd985d9\" tg-width=\"639\" tg-height=\"1089\" referrerpolicy=\"no-referrer\" width=\"100%\" height=\"auto\"/></p><p>But at least once a year, itpays to log into your accounts and reviewyour savings rate, investment mix and the types of tax-advantaged accounts you use. The S&amp;P 500 stock index is down 19.3% this year through Friday and U.S. intermediate-term bond funds are down 12.4%; investors should rebalance if their asset allocation has strayed from their long-term targets.</p><p>The Internal Revenue Service recently raised the annual 401(k) contribution limit $2,000 to $22,500 for 2023, the largest increase ever in terms of dollars and percentage, according to benefits provider Milliman. For those 50 or older, the 2023 limit rises to $30,000.</p><p>“You should avoid checking too often, based on what the market did that day, but you need to check in periodically to make sure your choices are still aligned with your long-term retirement goals,” said Mike Shamrell, a vice president at Fidelity Investments.</p><p>As inflation strains budgets, some Americans have had to make temporary reductions in 401(k) savings. The good news:The impact of doing so—even for a few years—isn’t as big as you might think, provided you have a plan to catch up later.</p><p>For those able to save more, the higher contribution limits create an “unprecedented opportunity,” said Ed Slott, a certified public accountant and IRA specialist in Rockville Centre, N.Y.</p><p>More investors with money in workplace retirement plans now have the option of choosing between a traditional 401(k), where contributions are deducted and withdrawals are taxed, and a Roth 401(k), where contributions are taxed and distributions can be tax-free. Workers can also divide their 401(k) contributions between the two.</p><p>Using some of each could pay off down the road. One advantage to putting some money into a Roth is that retirees can pull money out tax-free in years when dipping into a regular 401(k) would push them into a higher bracket.</p><h2>Don&#39;t wait until it is too late</h2><p>It doesn&#39;t pay to procrastinate. A number of important financial benefits that could improve the position of your household in 2023 expire on New Year&#39;s Eve.</p><p>Make your financial gifts: Families can give gifts of up to $16,000 to an unlimited number of people without triggering estate or gift tax. That amount, known as the annual exclusion, jumps to $17,000 for 2023.</p><p>A special rule lets donors use five years worth of annual exclusion gifts at once to superfund 529 college savings plans, which let parents, grandparents and others invest money to be used for a beneficiary&#39;s qualified education expenses. That works out to $80,000 per beneficiary account for 2022.</p><p>&#34;Paying for education is a really efficient way to transfer wealth,&#34; says Elisa Shevlin Rizzo, a chief fiduciary officer for Northern Trust Wealth Management in New York.</p><p>A separate rule lets individuals pay anyone&#39;s qualified education expenses and medical bills without estate or gift tax consequences if they make payments directly to the school or medical provider.</p><p>Donors who give away more than $16,000 to anyone must report the gifts on a federal gift tax return, Form 709. Any excess amount counts toward the amount you can give during your lifetime, or at death, and be exempt from federal estate and gift taxes. That exemption is $12.06 million per person for 2022, and rises to $12.9 million for 2023.</p><p>Use your healthcare accounts: Many workers have bigger balances than usual in their workplace healthcare flexible-spending accounts, which allow employees to set aside pretax money from their paychecks to pay for medical expenses, because of special Covid-related FSA carry-over rules. Now they are facing a Dec. 31 deadline to use their money or forfeit it. Check your FSA balance and your plan&#39;s spend down rules now.</p><p>Take your losses: This year&#39;s painful selloff brings an opportunity for investors to harvest losses in their brokerage accounts. Taxpayers who sell investments, including crypto, at a loss through Dec. 31 can offset gains on winners and up to $3,000 of ordinary income on their 2022 tax return. Unused losses carry over to future years.</p><p>Make your required withdrawals: In most cases, taxpayers 72 and older must take annual required minimum distributions, or RMDs, from traditional individual retirement accounts and 401(k)s by Dec. 31 or face a penalty of 50% of the amount they should have withdrawn. One exception: Those who turned 72 this year can wait until April 1, 2023 to take their first RMD. Inherited IRAs, both traditional and Roth, have RMDs too, with special rules for IRAs inherited in 2020 or later. A bill nearing approval in Congress raises the RMD age to 73 in 2023 and 75 in 2033 and reduces the penalty for missed RMDs.</p><p>(END) Dow Jones Newswires</p><p>December 23, 2022 07:51 ET (12:51 GMT)</p><p>Copyright (c) 2022 Dow Jones &amp; Company, Inc.</p></body></html>\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{".IXIC":"NASDAQ Composite",".SPX":"S&P 500 Index",".DJI":"道琼斯"},"source_url":"","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2293480523","content_text":"The highest inflation in four decades. A bear market in stocks. Fears of a recession. A crypto implosion.The past year was a trying one for American households. It strained their budgets, reduced their spending power and clobbered their 401(k) balances. Despite a recent burst of positive news—moderating gas prices and a slowing pace of inflation—many believe the economy will be in worse shape in 2023 than it is now.Whatever the next 12 months bring, there are some simple steps you can take now to prepare your finances for any further economic uncertainty.Move cash to banking accounts that yield more in interest and charge less in fees. Cancel unused memberships and negotiate charges on those you keep. Review 401(k) contributions and allocations.It might pay to act with urgency. Some financial benefits that could make a difference expire on New Year’s Eve. Here are six money moves to consider making before breaking out the bubbly:Earn more on your savingsKeeping your cash in a typical savings account right now is only marginally better than stuffing it under a mattress. The average annual interest rate on savings accounts at all banks is 0.268%, according to the financial site DepositAccounts.com, meaning $1,000 in savings will yield barely enough to buy a slice of pizza.Some of the lowest rates are at the biggest institutions. Customers of the five largest U.S. banks could have earned $42 billion more on their balances in the third quarter just bymoving their cash to higher yielding accountsat other banks, by one estimate. Some online-only accounts, for example, pay rates around 4% and can be linked to an existing account for easy transfers.The payoff involved in moving your cash away from the biggest banks is currently greater than at any point in the last decade, according to Ken Tumin, the founder of DepositAccounts, which is owned by the financial-services marketplaceLendingTree.True optimizers might appreciateMaxMyInterest, a service that, in exchange for a 0.08% annual fee on their holdings, monitors which banks offer the highest interest rates and allows customers to reallocate their cash accordingly on a regular basis.For those willing to sacrifice some liquidity, one of the best risk-free returns right now comes frominflation-adjusted I Bonds, which currently pay out 6.89%, but must be held for at least a year. Americans can buy up to $10,000 of these U.S. government-backed savings bonds each calendar year, so those who want to max out their purchases should do so before January, says Mr. Tumin. The interest rate on these bonds is based on a calculation tied to the consumer-price index, one reason they became popular this year as inflation surged.After I Bonds, Mr. Tumin suggests considering certificates of deposit orTreasury securities, some of which offer higher rates than those of the top online savings accounts; for instance, a six-month T-bill purchased Thursday would yield about 4.66% on an annualized basis. That said, temporarily tying up your money could mean missing out on better yields soon if the Federal Reserve continues to raise rates.Finding a home for your cash that pays higher yields won’t make you rich, but it can give you some protection from inflation, says Gary Zimmerman, the CEO of MaxMyInterest. Even some of the best options have still been outpaced by inflation recently. “The real return on cash may be negative, but it would be even more negative if you’re complacent about where you keep your cash,” he says.Switch your bank accountsBanking changed dramatically over the last two decades, but chances are the institution you bank with hasn’t. Americans stick with the same primary checking and savings accounts for about 17 years on average,according to a Bankrate survey. That is longer than the average marriage.It is worth regularly shopping around to make sure you’re still getting the best deal, saysGreg McBride, chief financial analyst at Bankrate.com, particularly if you are paying any ATM or monthly maintenance fees. It is now easy to find a bank that offers those services free, he said, and the benefits could outweigh the inconvenience of switching institutions.For example, customers who typically carry a low balance in their checking account may benefit from choosing accounts with an extended overdraft grace period. One institution,Citizens Financial Group, added a feature to some of its checking accounts that gives customers who overdraft until 10 p.m. the following business day to cover the negative balance to avoid fees.A customer who has more than $250,000, which is the maximum amount per depositor that is insured by the Federal Deposit Insurance Corp., may also benefit from switching to a brokerage that can offer more insurance coverage by partnering with multiple FDIC-regulated banks. One brokerage giant, Fidelity Investments, allows customers to hold up to $3 million in insured deposits in its cash management account through partnerships with 26 banks.Many new financial-technology companies offer even more specialized features bundled with checking accounts. LiliApp Inc., an online-only bank for gig-economy workers and entrepreneurs, includes a tax-write-off tracker with its checking account. Majority, a digital bank for migrants, offers unlimited international transfers as part of its monthly subscription fee.Cancel your subscriptionsThis time of year many Americans sign up for gym memberships as part of a resolution to lose a few pounds. It is also a good time to cancel unused memberships to shed a few bucks from your budget.The average American spends more than $200 a month on subscription fees and underestimates the cost by roughly $130, according to a study by C+R Research earlier this year. Roughly three quarters of consumers say it is easy to forget about recurring charges and 42% admitted that they were still paying for a subscription they had forgotten about.The monthly costs associated with streaming services, subscription boxes, gym memberships and mobile apps have all crept higher over the past year, according to data from Rocket Money, which operates a personal finance app that tracks spending. Subscription spending among Rocket Money members increased an average of 8.5% this year compared with 2021. Once you authorize a company to take recurring payments from your account, they can change the price without asking permission, making it easy to lose track of exactly how much you are spending.This is a good moment to take stock in the recurring payments you may have forgotten, said Yahya Mokhtarzad, chief revenue officer at Rocket Money. “This year more than recent years, it is important to not just take stock of your finances but to really cut unneeded expenses and brace for what could be a tough 2023,” he said.Renegotiate your billsFor all the recurring bills you cannot cancel, pick up the phone and negotiate.Cable companies and wireless providers may be willing to lower your bill since it costs more to acquire a new customer than to keep an existing one, said Ted Rossman, a consumer-spending analyst at Bankrate.Don’t be afraid to ask the company for your old rate back or to match a competitor’s price, he said. There is often an unadvertised retention discount to keep customers from canceling. You can also request any deals and discounts being offered to new customers, even if you’re a longtime subscriber, he said.If you’re asking for a lower rate with a service provider such as your wireless company, be aware that you may be offered a promotional rate that increases significantly after an initial period expires, said Sophie Raseman, head of financial solutions at Brightside, a company that provides financial guidance to workers. Set a reminder to cancel or downgrade then, she said.Another way to cut costs is to ask that certain fees be removed from your statement. These charges include line items on your phone, internet, or cable bill and may appear as “other fees.”If your first attempt to negotiate isn’t successful, call again on a different day as you may have more success with a different customer-service representative, saidBruce McClary, senior vice president at National Foundation for Credit Counseling.Check your 401(k)The standard advice for retirement plans is to let them run on autopilot and to resist the temptation to check your account and make changes when markets are down.But at least once a year, itpays to log into your accounts and reviewyour savings rate, investment mix and the types of tax-advantaged accounts you use. The S&P 500 stock index is down 19.3% this year through Friday and U.S. intermediate-term bond funds are down 12.4%; investors should rebalance if their asset allocation has strayed from their long-term targets.The Internal Revenue Service recently raised the annual 401(k) contribution limit $2,000 to $22,500 for 2023, the largest increase ever in terms of dollars and percentage, according to benefits provider Milliman. For those 50 or older, the 2023 limit rises to $30,000.“You should avoid checking too often, based on what the market did that day, but you need to check in periodically to make sure your choices are still aligned with your long-term retirement goals,” said Mike Shamrell, a vice president at Fidelity Investments.As inflation strains budgets, some Americans have had to make temporary reductions in 401(k) savings. The good news:The impact of doing so—even for a few years—isn’t as big as you might think, provided you have a plan to catch up later.For those able to save more, the higher contribution limits create an “unprecedented opportunity,” said Ed Slott, a certified public accountant and IRA specialist in Rockville Centre, N.Y.More investors with money in workplace retirement plans now have the option of choosing between a traditional 401(k), where contributions are deducted and withdrawals are taxed, and a Roth 401(k), where contributions are taxed and distributions can be tax-free. Workers can also divide their 401(k) contributions between the two.Using some of each could pay off down the road. One advantage to putting some money into a Roth is that retirees can pull money out tax-free in years when dipping into a regular 401(k) would push them into a higher bracket.Don't wait until it is too lateIt doesn't pay to procrastinate. A number of important financial benefits that could improve the position of your household in 2023 expire on New Year's Eve.Make your financial gifts: Families can give gifts of up to $16,000 to an unlimited number of people without triggering estate or gift tax. That amount, known as the annual exclusion, jumps to $17,000 for 2023.A special rule lets donors use five years worth of annual exclusion gifts at once to superfund 529 college savings plans, which let parents, grandparents and others invest money to be used for a beneficiary's qualified education expenses. That works out to $80,000 per beneficiary account for 2022.\"Paying for education is a really efficient way to transfer wealth,\" says Elisa Shevlin Rizzo, a chief fiduciary officer for Northern Trust Wealth Management in New York.A separate rule lets individuals pay anyone's qualified education expenses and medical bills without estate or gift tax consequences if they make payments directly to the school or medical provider.Donors who give away more than $16,000 to anyone must report the gifts on a federal gift tax return, Form 709. Any excess amount counts toward the amount you can give during your lifetime, or at death, and be exempt from federal estate and gift taxes. That exemption is $12.06 million per person for 2022, and rises to $12.9 million for 2023.Use your healthcare accounts: Many workers have bigger balances than usual in their workplace healthcare flexible-spending accounts, which allow employees to set aside pretax money from their paychecks to pay for medical expenses, because of special Covid-related FSA carry-over rules. Now they are facing a Dec. 31 deadline to use their money or forfeit it. Check your FSA balance and your plan's spend down rules now.Take your losses: This year's painful selloff brings an opportunity for investors to harvest losses in their brokerage accounts. Taxpayers who sell investments, including crypto, at a loss through Dec. 31 can offset gains on winners and up to $3,000 of ordinary income on their 2022 tax return. Unused losses carry over to future years.Make your required withdrawals: In most cases, taxpayers 72 and older must take annual required minimum distributions, or RMDs, from traditional individual retirement accounts and 401(k)s by Dec. 31 or face a penalty of 50% of the amount they should have withdrawn. One exception: Those who turned 72 this year can wait until April 1, 2023 to take their first RMD. Inherited IRAs, both traditional and Roth, have RMDs too, with special rules for IRAs inherited in 2020 or later. A bill nearing approval in Congress raises the RMD age to 73 in 2023 and 75 in 2033 and reduces the penalty for missed RMDs.(END) Dow Jones NewswiresDecember 23, 2022 07:51 ET (12:51 GMT)Copyright (c) 2022 Dow Jones & Company, Inc.","news_type":1,"symbols_score_info":{".DJI":0.9,".SPX":0.9,".IXIC":0.9}},"isVote":1,"tweetType":1,"viewCount":622,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":9964673724,"gmtCreate":1670144608868,"gmtModify":1676538310072,"author":{"id":"4131355104484922","authorId":"4131355104484922","name":"luchi176","avatar":"https://community-static.tradeup.com/news/default-avatar.jpg","crmLevel":11,"crmLevelSwitch":1,"followedFlag":false,"authorIdStr":"4131355104484922","idStr":"4131355104484922"},"themes":[],"htmlText":"So fun!","listText":"So fun!","text":"So fun!","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9964673724","repostId":"9963969638","repostType":1,"repost":{"id":9963969638,"gmtCreate":1668567458425,"gmtModify":1677745765888,"author":{"id":"3527667667103859","authorId":"3527667667103859","name":"TigerEvents","avatar":"https://community-static.tradeup.com/news/c266ef25181ace18bec1262357bbe1a8","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3527667667103859","idStr":"3527667667103859"},"themes":[],"title":"Join Tiger's Football Season, share the prizes worth up to US$200,000","htmlText":"This year is the year of football, the Qatar World Cup, AFF championship, make the following days a big carnival for football fans all around the world!&nbsp;While you enjoy your football carnival, don't forget to join in Tiger's Football Season on Tiger Trade App, and share the prizes worth up to USD 200,000!Play the \"Perfect Goals\" game with us, and feel the score moment by only pressing the button.Keep completing the daily tasks and play the game, win more points to redeem stock vouchers worth up to USD 2,000 or AFF tickets, and the top prize - the free journey of watching the AFF finals!You can also predict a football match of the World Cup or AFF Championship, and cheer for your home team.Besides, you may obtain the Tiger Football Card by participating in the campaign every day.Goalke","listText":"This year is the year of football, the Qatar World Cup, AFF championship, make the following days a big carnival for football fans all around the world!&nbsp;While you enjoy your football carnival, don't forget to join in Tiger's Football Season on Tiger Trade App, and share the prizes worth up to USD 200,000!Play the \"Perfect Goals\" game with us, and feel the score moment by only pressing the button.Keep completing the daily tasks and play the game, win more points to redeem stock vouchers worth up to USD 2,000 or AFF tickets, and the top prize - the free journey of watching the AFF finals!You can also predict a football match of the World Cup or AFF Championship, and cheer for your home team.Besides, you may obtain the Tiger Football Card by participating in the campaign every day.Goalke","text":"This year is the year of football, the Qatar World Cup, AFF championship, make the following days a big carnival for football fans all around the world! While you enjoy your football carnival, don't forget to join in Tiger's Football Season on Tiger Trade App, and share the prizes worth up to USD 200,000!Play the \"Perfect Goals\" game with us, and feel the score moment by only pressing the button.Keep completing the daily tasks and play the game, win more points to redeem stock vouchers worth up to USD 2,000 or AFF tickets, and the top prize - the free journey of watching the AFF finals!You can also predict a football match of the World Cup or AFF Championship, and cheer for your home team.Besides, you may obtain the Tiger Football Card by participating in the campaign every day.Goalke","images":[{"img":"https://community-static.tradeup.com/news/e8c9b6ab16214df413c77708cf5957bf","width":"404","height":"707"},{"img":"https://community-static.tradeup.com/news/6f0ddb54cc9e55b9b9b59a0c9908bfb5","width":"358","height":"471"},{"img":"https://community-static.tradeup.com/news/d9cc4adf57a9972e62e94d321ecc6734","width":"402","height":"712"}],"top":1,"highlighted":1,"essential":2,"paper":2,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://ttm.financial/post/9963969638","isVote":1,"tweetType":1,"viewCount":0,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":4,"langContent":"EN","totalScore":0},"isVote":1,"tweetType":1,"viewCount":672,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0}],"lives":[]}