The essay critiques using HELOCs for investments, highlighting risks like foreclosure and increased debt. It argues that moving debt around doesn't solve financial issues and advocates for building an emergency fund and avoiding HELOCs.

Gold has always been the ultimate store of value—from ancient Lydia's first gold coins around 550 BCE to the monarchs who hoarded it for centuries. But here's the twist: despite its historical prestige, the idea of returning to a gold standard today is running into some hard math.
The Classic Gold

You以为投资是有钱人的游戏？错了。复利的威力让早鸟投资者赢得更多，即使投入微不足道。
我们基于S&P 500过去100年平均10.64%年回报率做了个计算，退休年龄按67岁算。结果很扎心：
每天投$1能存多少？
20岁开始：投入总额$17,167 → 退休时$507,662（涨幅29倍！）
30岁开始：投入总额$13,514 → 退休时$172,806（涨幅12.8倍）
40岁开始：投入总额$9,862 → 退休时$57,357（涨幅5.8倍）
每天投$5呢？
相当于每月$150，这是大多数人能做到的：
- 20岁起：$85,835投入 → $2.5M退休金
- 30岁起

This essay discusses gold's investment performance compared to the S&P 500, highlighting its role as a hedge during economic turmoil. While gold offered 136% returns since 2015, it underperformed against stocks. Its value lies in stability and protection during market crashes, making it a defensive investment despite lower returns.

Core viewpoint
Short-term goal: Analyst Tom Lee predicts that ETH will rise to $7,000 (a 147% increase from the current price) before Q1 2026.
Long-term vision: Reach $62,000 by the end of 2035, provided that DeFi can truly reshape the financial system.
Risk warning: Lee personally holds ETH worth $10 billion, creating a conflict of interest.
Why are we bullish on ETH? Three logics
1. Mature network infrastructure
- Ethereum has been running for 10 years without downtime, relying on thousands of nodes worldwide.
- Every application built by developers on it must pay Gas fees in ETH.
- The hotter the ecosystem, the greater the demand for ETH.
2. The scale of DeFi is exploding
- In 2024, the trading volume of stablecoins will reach $15.6 trillion, exceeding the total of Visa and Mastercard.
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Here's the thing about AI infrastructure that nobody talks about enough: power consumption is eating into margins. Traditional copper cables in data centers? They're basically obsolete for next-gen AI workloads.
Marvell Technology (MRVL) just figured out how to flip the script with co-packaged

Marvell Technology is innovating with co-packaged optics to address bandwidth demands from AI models, utilizing fiber for faster data transmission and lower power usage. Despite strong revenue growth, MRVL faces competition, and its stock is underperforming overall market gains.

The Setup: Why Now Matters
2022 was basically the bond market's worst nightmare. The Total Bond Index tanked 13% — the worst performance in 50+ years (since 1980's 9.2% drop). The Fed was fighting inflation like crazy, rates got nuked into the stratosphere, and anyone holding bonds got

The essay argues that Apple's $4 trillion market cap is at risk as Microsoft and Alphabet demonstrate stronger growth and innovation, particularly in AI. Despite a higher valuation, Apple's slow revenue growth and lack of AI innovation could lead to a market cap decline by 2026.

Woodside has signed a cooperation deal with Timor-Leste to develop the Greater Sunrise gas fields into an LNG hub, targeting 5 million tonnes per annum by 2032-2035. The project involves gas facilities and helium extraction, with ongoing discussions on regulatory frameworks.

Warren Buffett's Berkshire Hathaway amassed $382 billion in cash after selling $15.5 billion of Apple and Bank of America stocks. This strategy reflects a cautious approach to investing, suggesting patience for better opportunities rather than chasing inflated valuations.

To determine if you've reached upper-middle-class status, household income typically needs to be between $117,000 and $150,000, though this varies by location. Inflation and local costs can further influence these thresholds, requiring higher incomes to maintain the same lifestyle.

Elon Musk's SpaceX launched 21 Starlink satellites, including 6 with direct-to-cell technology, aiming to enhance mobile coverage globally. This innovation allows phones to connect directly to satellites, eliminating dead zones and improving service in remote areas. With partnerships in place, this move could transform connectivity, especially for underserved regions.

Robusta coffee prices rise due to harvest delays in Vietnam from heavy rains, while US imports from Brazil plummet due to high tariffs. Supply trends show potential production boosts from Brazil, but current inventory shortages maintain price support.