Good morning. It's Monday, Dec. 04, and we're covering money-saving tips during the holiday season, your social security break-even age, ramped up referrals, and much more. | First time reading? Sign up here. | Stock Market Update | | | | | Market Performance: December 04, 2023. | Well, the data shows that over a rolling 30 year horizon, the S&P 500 averages 11.1% total returns with a standard deviation of 1.3%. Over a similar horizon, the much stabler bond market generates 5.6% in average returns but with a higher standard deviation of 2.7%.
With these details in mind, and as the market starts to price in a low rate environment, we decided to take a look at the top volatility stocks that are under $5. Some notable picks are Independence Contract Drilling, Inc., Pagaya Technologies Ltd., and Bakkt Holdings, Inc.
To make our list of the best volatile stocks under $5 for day trading, we first made a list of all stocks that trade below $5 and have a beta greater than 2.
Then, the top 30 among these were sorted by the number of hedge funds that had bought their shares as of Q3 2023 and the top stocks were chosen. |
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| | Financial Maverick Insights | | | | | 8 Major Money-Saving Tips During The Holiday Season, From The Pros |
The holidays are right around the corner. If you're like most people, you're wondering what the heck happened to this year—and may not be prepared for the holiday season financially.
The stats are sobering. According to Lending Tree's survey of 2022 holiday spending, among the people they polled, the average debt reached $1,549, up 24% from 2021.
Furthermore, 37% of those taking on debt expect to take five months or more to pay it off. You don't want this kind of holiday hangover.
| The good news is it's not too late to put a savings plan in place. Here are a few strategies for successfully navigating the holidays. |
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| | | | | | What's Your Social Security Break-Even Age? It Matters a Lot. | If you want to delay claiming your Social Security benefits until age 70, you won't come out ahead until you live beyond your break-even age.
Since Social Security is likely to provide a big chunk of your retirement income -- it provides around 30% of the income of the retirees, on average -- it's worth learning how to make the most of it. One key thing to know is your break-even age, which can help you decide when to claim your benefits.
The big picture…
First, understand that each person has a "full retirement age" at which they can start collecting the full benefits to which they're entitled, based on their earnings history. For most workers these days, it's 67.
You don't have to start receiving your benefits at your full retirement age, though -- you can start as early as age 62 and as late as age 70, with your benefits getting smaller if you claim early and bigger if you delay. |
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| Real Estate News |  | Real estate expert shares tips and tricks to better understand housing market |
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|  | 7 Ways to Guide Real Estate Agents Through the Market | If you're a broker or manager, your agents need your time, attention—and rational thinking. From 2023 NAR NXT, The REALTOR® Experience, Anaheim, Calif., Nov. 14-16 |
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|  | Boost your repeat and referral business in three steps | Agents, if you wish to boost your repeat and referral business ASAP, it's time to embrace three specific steps: |
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| | Personal Finance Tips |  | Money-saving Google trick to 'immediately find cheapest grocery price' | Aussies are being urged to take advantage of a simple Google trick that allows you to find the most affordable price for grocery items. Here's how it works. |
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|  | What is Cash Stuffing | Read on for our review to learn what is cash stuffing and how to start it. |
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|  | 13 Ways To Save Money On A Tight Budget | Bankrate | Being on a tight budget means you'll need to stretch your money to save. Bankrate offers 13 ways to efficiently budget and save your money. |
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| | Alternative Investing |  | One in Four Americans Now Hold Bitcoin and Crypto Is Going Mainstream | As digital assets gain a foothold in more investor portfolios, crypto is poised to become a truly mainstream technology. |
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|  | Crypto app users left fearing for investments | Users of a cryptocurrency app fear they have lost thousands of pounds after they were unable to make withdrawals from the site, the BBC has been told. |
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|  | How to Buy Stocks | Not everyone knows how to buy stocks, even as investing in the stock market becomes more and more popular. This four-step plan can help. |
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| | Do you actively invest in stocks? | | | Reach Over 100,000 Financial Mavericks | Advertise with Financial Maverick to get your brand in front of the Financial Gurus in the world. The Mavericks are high-income and highly knowledge people who are always looking for an interesting product or tool. | | | Share Financial Maverick | Calling all Financial Mavericks! To help out a family and friend in need by sharing this newsletter. Tell you what if you ever wanted to be a Hero, Financial Guru, or a Nice Person this is your time! | | | DISCLAIMER: None of this is financial advice. This newsletter is strictly educational and is not investment advice or a solicitation to buy or sell any assets or to make any financial decisions. Please be careful and do your own research. | |
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