La catena delle opzioni mostra i dati chiave delle opzioni azionarie di Cardiol Therapeutics a vari prezzi di esercizio e date di scadenza. I trader utilizzano queste informazioni per analizzare potenziali operazioni e valutare il sentiment del mercato per Cardiol Therapeutics..

Cardiol Therapeutics (NASDAQ:CRDL) Azioni, Catena delle Opzioni

Cardiol Therapeutics

Cardiol Therapeutics Inc is a clinical-stage life sciences company focused on the research and clinical development of anti-inflammatory and anti-fibrotic therapies for the treatment of heart diseases. The company's main product candidate, CardiolRx, is a pharmaceutically manufactured oral cannabidiol formulation that is being clinically developed for use in heart diseases. Cardiol has received Investigational New Drug Application authorization from the United States Food and Drug Administration to conduct clinical studies to evaluate the efficacy and safety of CardiolRx in two diseases affecting the heart which are a Phase II multi-national trial, the ARCHER trial, in acute myocarditis; and a Phase II multi-center open-label pilot study in recurrent pericarditis.

Cardiol Therapeutics Inc. - Class A Common Shares

Cardiol Therapeutics Inc

In a Sunday interview, Ray Dalio, the founder of Bridgewater Associates, expressed his apprehension about a possible economic crisis that could surpass a recession if the current economic policies are not managed effectively.
What Happened: Dalio shared his concerns on Sunday on NBC&#8217;s Meet The Press. He warned that the U.S. is on the brink of a recession and a severe economic downturn could be on the horizon if the situation is not controlled properly.
Dalio, who had previously accurately&nbsp;predicted the 2008 financial crisis, drew attention to the collapse of the monetary order and significant changes in the domestic and global order. He drew parallels between the current times and the 1930s, referring to the disruptive mix of tariffs, excessive debt, and a rising power challenging the existing power.
&#8220;I think that right now we are at a decision-making point and very close to a recession,&#8221; Dalio <a href="https://www.nbcnews.com/politics/politics-news/investor-predicted-2008-financial-crisis-says-worried-something-worse-rcna201040">told</a> NBC. &#8220;And I&#8217;m worried about something worse than a recession, if this isn&#8217;t handled well.&#8221;
He specifically highlighted&nbsp;the unsustainable growth of U.S.&nbsp;debt,&nbsp;the decline in U.S. manufacturing, and the country&#8217;s increasing dependence on other nations for essential items. Dalio called on Congress members to commit to reducing the budget deficit to 3% of the GDP, cautioning of&nbsp;a supply-demand problem for debt&nbsp;if this is not achieved.
Also Read: <a href="https://www.benzinga.com/markets/25/03/44550983/ray-dalios-timeless-stock-market-advice-dont-try-to-time-the-market-yourself-because-youll-probably-lose">Ray Dalio&#8217;s Timeless Stock Market Advice: &#8216;Don&#8217;t Try to Time the Market Yourself Because You&#8217;ll Probably Lose&#8217;</a>
&#8220;If they don&#8217;t, we&#8217;re going to have a supply-demand problem for debt at the same time as we have these other problems, and the results of that will be worse than a normal recession,&#8221; he added.
In Dalio&#8217;s worst-case scenario, the world economy could face disruption, potential military conflict could arise, and internal conflict could lead to a deviation from the known democratic norms.
Why It Matters: Dalio&#8217;s predictions are significant given his track record of accurately forecasting the 2008 financial crisis. His concerns about the current economic policies and the potential for a severe economic downturn highlight the importance of effective management and policy reform. 
The comparison to the 1930s serves as a stark reminder of the potential consequences of economic mismanagement and could serve as a wake-up call for policymakers. 
The specific issues Dalio points out, such as&nbsp;the unsustainable growth of U.S.&nbsp;debt and&nbsp;the decline in U.S. manufacturing, are critical areas that need to be addressed to prevent a potential crisis.
Read Next
<a href="https://www.benzinga.com/markets/25/04/44728417/ray-dalio-praises-trumps-tariff-reversal-urges-us-china-deal-and-deficit-reduction">Ray Dalio Praises Trump&#8217;s Tariff Reversal, Urges US-China Deal And Deficit Reduction: Decision To Step Back A &#8216;Better Way&#8217; To Handle Problems</a>

News

Politics

Markets

Ray Dalio Foresees Economic Crisis Worse Than Recession: 'I'm Worried About Something Worse Than A Recession, If This Isn't Handled Well'

Apple Inc.&nbsp;(NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AAPL#NASDAQ">AAPL</a>) has managed to dodge a potential disaster as its key consumer electronics have been exempted from the 125% tariffs on goods manufactured in China by President Donald Trump.
What Happened: The tariff exemption announced by President Trump on Friday night encompasses&nbsp;iPhones, iPads, Macs, Apple Watches, and AirTags. Furthermore, the&nbsp;10% tariff on goods imported&nbsp;from other countries has been&nbsp;waived off for these products.
Despite the possibility of a new, lower sectoral tariff being imposed on goods containing semiconductors,&nbsp;and a 20% tariff on&nbsp;China still in place, this development signifies a major triumph for Apple and the consumer electronics industry that is heavily dependent on China for production, <a href="https://www.bloomberg.com/news/articles/2025-04-13/apple-was-on-brink-of-crisis-before-tariff-concession-from-trump?srnd=homepage-americas&amp;sref=TBDibEcD">reports </a>Bloomberg. 
Amit Daryanani, an analyst at Evercore ISI, expressed his relief for Apple in a note on Saturday, stating, &#8220;The&nbsp;tariffs would have driven material&nbsp;cost inflation.&#8221; He predicts a surge in Apple&#8217;s shares on Monday following an 11% plunge this month.
Prior to the recent exemption, Apple had devised a plan to shift its supply chain to manufacture&nbsp;more US-bound iPhones in India,&nbsp;which would have been subject&nbsp;to much lower levies. 
Also Read: <a href="https://www.benzinga.com/25/04/44778464/trump-administration-grants-tariff-reprieve-to-tech-industry-apple-and-nvidia-among-beneficiaries">Trump Grants Tariff Reprieve to Tech – Including From China &#8211; In Surprise Move</a>
This strategy was viewed as a short-term solution to evade the high China tariff and avert significant price increases.
Nevertheless, uncertainty prevails as White House policies are prone to change,&nbsp;and Apple may need to&nbsp;implement more drastic alterations.&nbsp;The Chinese Ministry of Commerce&nbsp;has described the move as &#8220;a&nbsp;small step by the US&nbsp;toward correcting its wrongful action&nbsp;of unilateral &#8216;reciprocal tariffs&#8217;,&#8221; and has called on the US to completely rescind the action.
Howard Lutnick, the US Commerce Secretary, indicated on ABC outlet that the late Friday reprieve&nbsp;was temporary, and reiterated Trump's&nbsp;plan to apply a different,&nbsp;specific levy to the sector.
Why It Matters:&nbsp;The tariff exemption is a significant development for Apple, which heavily relies on China for manufacturing its products. The move could potentially save the company from significant cost inflation, as noted by&nbsp;Evercore ISI analyst Amit Daryanani. 
However, the uncertainty surrounding White House policies and the temporary nature of the reprieve means that Apple may still need to consider alternative strategies, such as shifting more of its manufacturing to countries like India. 
The ongoing trade tensions between the US and China also add an element of unpredictability to the situation.
Read Next
<a href="https://www.benzinga.com/tech/25/04/44780258/apple-revamps-leadership-preps-new-vision-pro-headsets-amid-commercial-hurdles">Apple Revamps Leadership, Preps New Vision Pro Headsets Amid Commercial Hurdles</a>
Image: Shutterstock

Tech

AAPL

Apple Escapes Supply Chain Crisis As Trump Excludes Popular Electronics From Tariffs

<a href="https://truthsocial.com/@realDonaldTrump/posts/114332337028519855" title="https://truthsocial.com/@realDonaldTrump/posts/114332337028519855">https://truthsocial.com/@realDonaldTrump/posts/114332337028519855</a>

Macro Economic Events

Economics

General

iShares PHLX SOX Semiconductor Sector Index Fund

SOXX

President Trump, In Truth Social Post Said :We Are Taking A Look At Semiconductors And The Whole Electronics Supply Chain In The Upcoming National Security Tariff Investigations"

<a href="https://truthsocial.com/@realDonaldTrump/114332337028519855" title="https://truthsocial.com/@realDonaldTrump/114332337028519855">https://truthsocial.com/@realDonaldTrump/114332337028519855</a>

President Trump, In Truth Social Post Sunday, Said "There Was No Tariff Exception Announced On Friday. These Products Are Subject To The Existing 20% Fentanyl Tariffs, And They Are Just Moving To A Different Tariff Bucket"

Entrepreneur and former presidential candidate Andrew Yang sparked conversation on social media Thursday morning with a simple but thought-provoking math question: &#8220;If something goes down 10% and then up 10% are you back where you started?&#8221;
&#8220;No because the decrease is from a bigger number,&#8221; Yang explained in a <a href="https://x.com/AndrewYang/status/1910146705045020719">tweet</a> that included a quick example. &#8220;E.g., 100 &#8211; 10 = 90 + 9 = 99.&#8221;
<figure class="wp-block-embed is-type-rich is-provider-twitter wp-block-embed-twitter"> 
<div class="wp-block-embed__wrapper">
<blockquote class="twitter-tweet" data-width="500" data-dnt="true">If something goes down 10% and then up 10% are you back where you started? No because the decrease is from a bigger number. E.g., 100 &#8211; 10 =90 + 9 = 99
&mdash; Andrew Yang&#x1f9e2;&#x2b06;&#xFE0F;&#x1f1fa;&#x1f1f8; (@AndrewYang) <a href="https://twitter.com/AndrewYang/status/1910146705045020719?ref_src=twsrc%5Etfw">April 10, 2025</a></blockquote>
<script async src="https://platform.twitter.com/widgets.js" charset="utf-8"></script></div>
</figure>
Don't Miss:
<ul>
<li>Maker of the $60,000 foldable home has 3 factory buildings, 600+ houses built, and big plans to solve housing —<a href="https://www.benzinga.com/money/boxabl"> this is your last chance to become an investor for $0.80 per share.</a></li>
<li>Deloitte's fastest-growing software company partners with Amazon, Walmart &amp; Target – <a href="https://www.benzinga.com/money/mode-mobile-2">Many are rushing to grab 4,000 of its pre-IPO shares for just $0.26/share!</a></li>
</ul>
<h2 class="wp-block-heading">A Lesson With a Bigger Point</h2>
The tweet quickly gained traction, pulling in more than 300,000 views within hours as people weighed in on the concept and its wider implications. While Yang didn't say what exactly he was referring to, it was an obvious nod to recent <a href="https://www.benzinga.com/25/04/44728428/sp-500-records-biggest-surge-since-2008-as-trump-pauses-tariffs-investor-fear-eases-but-fear-greed-index-remains-in-extreme-fear-zone">market swings</a> and economic uncertainty.
Yang, who has long advocated for data-driven policy and economic reform, often uses his online presence to break down complex issues in simple terms. This tweet was no different, serving as a mini-lesson in percentage math that also hinted at a broader commentary on financial policy and decision-making.
Trending: <a href="https://www.benzinga.com/money/how-a-10k-bet-on-health-care-originals-could-have-skyrocketed-your-portfolio">With Shares Starting at Just $1.52, This Could be Your Chance to Invest in the Future of Healthcare.</a>
<h2 class="wp-block-heading">Critique of Leadership</h2>
Just a day earlier, Yang took a more direct shot at U.S. leadership. &#8220;Well at least we now know it only takes one moron in the wrong position surrounded by yes men to tank the world economy,&#8221; he <a href="https://x.com/AndrewYang/status/1909944780529754446">tweeted</a> on Wednesday.&nbsp;
While Yang didn't name names, the comment came in the middle of a heated debate over recent tariff decisions and their impact on the markets. President Donald Trump's administration has faced pushback after floating new tariffs, which caused investor panic before a <a href="https://www.benzinga.com/25/04/44727235/how-wall-street-and-tech-leaders-reacted-to-trumps-surprise-tariff-stance-reversal">90-day delay was announced</a>.
Yang responded to the delay with cautious relief: &#8220;Thank goodness that reason has prevailed vis-à-vis this 90 day delay in tariffs to properly negotiate,&#8221; he wrote.
See Also: <a href="https://www.benzinga.com/money/vatom-adv">Invest in the Future of Digital Engagement. Own a Piece of the $100 Billion Metaverse Today for Just $500.</a>
<h2 class="wp-block-heading">Retweeting the Irony</h2>
<figure class="wp-block-embed is-type-rich is-provider-twitter wp-block-embed-twitter"> 
<div class="wp-block-embed__wrapper">
<blockquote class="twitter-tweet" data-width="500" data-dnt="true">Trump adviser: This was the plan Trump adviser: This was the plan Trump adviser: This was the plan Trump: The markets were panicking so I backed off
&mdash; Peter Hamby (@PeterHamby) <a href="https://twitter.com/PeterHamby/status/1910054532815675849?ref_src=twsrc%5Etfw">April 9, 2025</a></blockquote>
<script async src="https://platform.twitter.com/widgets.js" charset="utf-8"></script></div>
</figure>
Yang also reposted a <a href="https://x.com/PeterHamby/status/1910054532815675849">tweet</a> from political journalist Peter Hamby, which took aim at mixed messages coming out of Trump's camp. Hamby wrote:
&#8220;Trump adviser: This was the plan
Trump adviser: This was the plan
Trump adviser: This was the plan
Trump: The markets were panicking so I backed off&#8221;
By amplifying that message, Yang highlighted what he sees as a lack of clear strategy behind major economic decisions.
Whether through a math lesson or a sarcastic retweet, Yang continues to use his platform to push for more thoughtful leadership—and maybe a little more logic in how decisions are made.
Read Next:
<ul>
<li>Hasbro, MGM, and Skechers trust this AI marketing firm — <a href="https://www.benzinga.com/money/rad-intel">invest pre-IPO from $0.55 per share now</a>.</li>
<li>Inspired by Uber and Airbnb &#8211; Deloitte's fastest-growing software company is transforming 7 billion smartphones into income-generating assets &#8211; <a href="https://www.benzinga.com/money/mode-mobile-2">with $1,000 you can invest at just $0.26/share!</a></li>
</ul>

Andrew Yang Wonders, 'If Something Goes Down 10% And Then Up 10%, Are You Back Where You Started?'

Billionaire and Dallas Mavericks owner Mark Cuban once shed light on the common misconceptions about super-rich individuals and the impact of<a href="https://www.benzinga.com/top-stories/24/06/39241650/heres-how-mark-cuban-made-91-of-his-employees-millionaires"> wealth on personal relationships</a>.
What Happened: Cuban, who has made a name for himself by investing in profitable companies and appearing on &#8220;Shark Tank,&#8221; shared his thoughts on wealth during an interview on The HoopsHype Podcast.
Contrary to the general perception, Cuban stated that money doesn&#8217;t necessarily alter a person.&nbsp;&#8220;Everybody thinks that money changes&nbsp;you. And it can, in&nbsp;many respects, but it doesn&#8217;t&nbsp;have to,&#8221; he said during the <a href="https://hoopshype.com/category/podcast/">interview</a>.
&#8220;Even when I was dead broke sleeping on the floor, I was having fun, hanging out with my friends. And those guys are still my same friends now,&#8221; he added.&nbsp;
Cuban also touched upon the difficulties of preserving relationships after acquiring wealth.&nbsp;&#8220;The hardest part is just dealing with friends when it first happens because they&#8217;re the ones that aren&#8217;t quite sure if you&#8217;re going to be the same person, how you&#8217;re going to act. Are you always going to pick up the check or only sometimes pick up the check? So it&#8217;s a little adjustment, but your true friends stay your true friends,&#8221; he elaborated.
Also Read: <a href="https://www.benzinga.com/news/22/08/28577562/what-its-like-to-have-mark-cuban-as-a-dad-you-dont-just-get-a-credit-card">Mark Cuban Is A Billionaire, But He Still Cooks For His Kids: &#8216;We Try To Be As Normal As Possible&#8217;</a>
Despite his vast fortune, Cuban underscored his efforts to maintain his down-to-earth attitude&nbsp;and ensure that his wealth&nbsp;hasn&#8217;t changed his character. He also noted that his wealth has granted him&nbsp;peace of mind and flexibility.
Cuban attributes his success to the time he has devoted to his family and children.
&#8220;I&#8217;m lucky because I don&#8217;t have to stress about bills, I don&#8217;t have to worry if they&#8217;re going to turn my lights off again and stuff like that, which I had to worry about in the past,&#8221; he said. &#8220;I don&#8217;t have to worry about money, and I can set my schedule,&#8221; Cuban said.&nbsp;
Why It Matters: Cuban&#8217;s insights provide a rare glimpse into the lives of the super-rich, challenging common stereotypes. His comments underscore the importance of maintaining personal values and relationships, despite significant wealth. 
This perspective is particularly relevant in today&#8217;s society, where wealth is often equated with personal change. 
Cuban&#8217;s emphasis on family and personal relationships as a key to success offers a refreshing counterpoint to the usual narratives surrounding wealth and success.
Read Next
<a href="https://www.benzinga.com/news/24/10/41196856/heres-how-mark-cubans-drunken-splurge-of-125-000-turned-into-a-profitable-investment">Mark Cuban Drunkenly Bought A $125,000 Lifetime Flight Pass And Turned It Into A Profitable Investment</a>
Photo: Ron Adar/Shutterstock

Success Stories

Mark Cuban Gets Real About What It Takes To Get Rich: 'Even When I Was Dead Broke Sleeping on the Floor, I Was Having Fun'

A recent survey conducted by The Wall Street Journal reveals that economists have drastically reduced growth estimates and raised inflation and unemployment projections since President Donald Trump assumed office, largely due to his trade policies.
What Happened: The outlet reported on Saturday that economists have adjusted their perspective on the U.S. economy in light of President Trump&#8217;s assertive trade policies. The primary driver of this change is the implementation of tariffs, which have been escalated beyond what was expected three months ago.
The <a href="https://www.wsj.com/economy/trade/us-economic-outlook-trump-b4e3469a?mod=hp_lead_pos1">survey</a>, which compiled&nbsp;responses from 64 academic and&nbsp;business economists between April 4 and 8, forecasts that the US gross domestic product (GDP) will only grow by&nbsp;0.8% in the fourth quarter&nbsp;compared to the previous year. This marks a substantial decrease from the 2% GDP growth predicted in January.
Findings from the survey also indicate that economists have raised their estimated likelihood of a&nbsp;recession in the next 12&nbsp;months to 45%, a significant increase from 22% in January. &#8220;We&#8217;re dancing with recession,&#8221; Joseph Davis, Vanguard&#8217;s chief economist told the outlet.
Also Read: <a href="https://www.benzinga.com/25/04/44778464/trump-administration-grants-tariff-reprieve-to-tech-industry-apple-and-nvidia-among-beneficiaries">Trump Grants Tariff Reprieve to Tech – Including From China &#8211; In Surprise Move</a>
In addition, economists anticipate that the average US tariff rate will surge about 19 percentage points by 2025. This is projected to deduct&nbsp;1.2 percentage points from 2025&nbsp;GDP growth and contribute an additional&nbsp;1.1 percentage points to inflation.
James F. Smith&nbsp;of EconForecaster has forecasted 3.1% growth on the assumption Trump will quickly roll back any tariffs because they are "so outrageous."
"It's looking like brilliant diplomacy. In the short run, I'd be very surprised to learn that most of the companies with critical supply chains don't have big inventories in warehouses around the U.S," Smith said. 
The unpredictability of Trump&#8217;s trade policies, including his inconsistent stance on tariffs, has further complicated the economic forecast. &#8220;No one—including, apparently, Trump himself—knows&nbsp;the final outcome,&#8221; the Journal reported.
Why It Matters:&nbsp;The revised economic outlook underscores the potential long-term impact of Trump&#8217;s trade policies on the US economy. The expected rise in tariffs and the increased probability of a recession could have significant implications for businesses and consumers alike. 
The uncertainty surrounding these policies adds another layer of complexity to economic planning and forecasting. 
As such, investors, policymakers, and businesses will need to closely monitor these developments and adjust their strategies accordingly.
Read Next
<a href="https://www.benzinga.com/25/04/44652222/trumps-tariffs-may-shift-us-spending-from-goods-to-services-creating-uncertainty-for-ecommerce-and-advertising-industries-analyst-warns" target="_blank" rel="noreferrer noopener">Tariffs To Impact End Demand: Goldman Sachs Analyst Expects Drag On Corporate Spending, Hiring</a>
Image: Shutterstock

Trump's Tariff Policies Fuel Economic Concerns, Economists Expect Slower Growth Ahead

Solana reached an all-time high of $295 in mid-January, just as President Trump launched his memecoin, $Trump. Fast forward to Tuesday, and the once-promising blockchain is trading at just $111.20, a staggering 60% drop from its peak. This dramatic decline has left many investors questioning what went wrong and where the blockchain's price is headed next.
One of the key drivers behind Solana's meteoric rise was the retail hype surrounding memecoins, particularly following the release of BONK in December 2022. The meme coin sparked massive retail interest and propelled Solana into the spotlight, driving a surge in decentralized exchange volumes. On Jan. 17, the day the $Trump token launched, Solana saw a peak of $36 billion in DEX volume, a record high for the network.
Don't Miss:
<ul>
<li>Maker of the $60,000 foldable home has 3 factory buildings, 600+ houses built, and big plans to solve housing —<a href="https://www.benzinga.com/money/boxabl"> this is your last chance to become an investor for $0.80 per share.</a></li>
<li>‘Scrolling To UBI' — Deloitte's #1 fastest-growing software company allows users to earn money on their phones. <a href="https://www.benzinga.com/money/mode-mobile-2">You can invest today for just $0.26/share with a $1000 minimum.</a></li>
</ul>
However, that momentum has since faded. As of Tuesday, daily DEX volume on Solana has dropped significantly, averaging just around $1.5 billion per day. This sharp decline in trading activity signals a slowdown in the hype cycle that once fueled Solana's growth. With prices now stabilizing well below their highs, Solana holders need to understand what this trend means for the future of the network.
Solana: A High Beta Asset With High Risk, High Reward
It's important to remember that Solana is a high beta asset—meaning it tends to move more aggressively than the broader crypto market. When prices are rising, Solana often outpaces other top tokens, delivering outsized gains. But the flip side is just as true: when sentiment shifts or liquidity dries up, Solana can experience sharper drawdowns.
This volatility is a double-edged sword for investors. While it helped push Solana from under $10 to nearly $300 in just over a year, it also exposes holders to rapid downside when momentum fades. Much of Solana's recent correction can be attributed to the cooling of speculative activity, especially as memecoin trading—one of the major catalysts for its rise—has slowed dramatically.
<figure class="wp-block-image size-large"><img loading="lazy" decoding="async" width="1024" height="520" src="https://editorial-assets.benzinga.com/wp-content/uploads/2025/04/11084010/IMG_6935-1024x520.png" alt="" class="wp-image-867902" srcset="https://editorial-assets.benzinga.com/wp-content/uploads/2025/04/11084010/IMG_6935-1024x520.png 1024w,https://editorial-assets.benzinga.com/wp-content/uploads/2025/04/11084010/IMG_6935-300x152.png 300w,https://editorial-assets.benzinga.com/wp-content/uploads/2025/04/11084010/IMG_6935-768x390.png 768w,https://editorial-assets.benzinga.com/wp-content/uploads/2025/04/11084010/IMG_6935-1536x780.png 1536w,https://editorial-assets.benzinga.com/wp-content/uploads/2025/04/11084010/IMG_6935.png 1600w" sizes="(max-width: 1024px) 100vw, 1024px" /></figure>
Source: TradingView User @NoticeTrades)
For holders, the question now becomes: Is this just part of a typical high beta correction, or a sign of deeper fundamental issues? Understanding Solana's position as a high-risk, high-reward asset is key when evaluating the road ahead.
Trending: It&#8217;s no wonder Jeff Bezos holds over $250 million in art — <a href="https://www.benzinga.com/money/masterworks">this alternative asset has outpaced the S&amp;P 500 since 1995, delivering an average annual return of 11.4%. Here&#8217;s how everyday investors are getting started.</a>
Current Fundamentals: Weak Signals for Solana's Growth
Solana&#8217;s fundamentals are currently lacking, despite its fast speeds and low fees, which make it an ideal platform for DeFi applications. The network&#8217;s decentralized exchange volume has significantly dropped from a peak of $36 billion in January to just $1.5 billion per day as of Tuesday. This sharp decline highlights the fading retail-driven hype, particularly from memecoins like BONK, $Trump, and others, which once fueled much of the activity on the blockchain.
Additionally, Solana's Fully Diluted Valuation stands at $66.712 billion, while its Total Value Locked, including staked governance tokens, is only $7.79 billion. This gives a FDV/TVL ratio of approximately 8.6, which reveals a significant disconnect between the network's market valuation and its actual on-chain usage. Previously, this ratio was higher during periods of greater hype, but as the market has cooled and activity has decreased, the gap between the FDV and TVL has tightened. A lower ratio is generally preferred, as it signals a more sustainable market valuation relative to the assets locked within the network.
See Also: If there was a new fund backed by Jeff Bezos offering a <a href="https://www.benzinga.com/money/arrived-private-credit-fund">7-9% target yield with monthly dividends would you invest in it</a>?
A Bright Future Ahead?
Despite these challenges, Solana still has significant potential. Its fast transaction speeds and low fees make it an ideal platform for scalable DeFi applications, and its infrastructure remains strong. However, the lack of sustained, organic use outside of speculative events like memecoins has kept the network from realizing its true value.
For Solana to truly take off, it needs to attract more consistent use cases within the DeFi space and beyond. If metrics such as DEX volume and on-chain activity improve, Solana could regain momentum. But for now, its weak fundamentals are reflected in the current price drop, showing that without strong, ongoing usage, its market performance will remain volatile.
Read Next:
<ul>
<li><a href="https://www.benzinga.com/money/gbr-savings-by-age">If You're Age 35, 50, or 60: Here&#8217;s How Much You Should Have Saved Vs. Invested By Now</a></li>
<li>Deloitte's fastest-growing software company partners with Amazon, Walmart &amp; Target – <a href="https://www.benzinga.com/money/mode-mobile-2">Many are rushing to grab 4,000 of its pre-IPO shares for just $0.26/share!</a></li>
</ul>

Personal Finance

Solana Is Down Over 60%—What Solana Holders Need to Know Now

Jamie Dimon, CEO of JPMorgan Chase &amp; Co., urged the younger generation to stop focusing on the negative aspects of the current state of the U.S. and instead look forward to a promising future.
What Happened: Speaking to Fox Business, Dimon expressed optimism about the future of the younger generation.
Dimon refuted the idea that&nbsp;the next generation is in&nbsp;a dire situation. During the <a href="https://www.foxbusiness.com/video/6371264419112">interaction</a>, he highlighted the massive total net worth of US households, which is anticipated to be inherited by younger generations, and the technological advancements that&nbsp;he believes will allow Gen&nbsp;Z and Gen Alpha to&nbsp;lead long and prosperous lives.
&#8220;People say the next generation is in bad shape – Really? They're going to inherit a country that's worth $200-$300 trillion. They're probably going to live to 120. [Artificial intelligence] is going to cure some cancers,&#8221; Dimon said.
The Federal Reserve reported last month that the net worth of households had risen to $169 trillion. By 2045, over half of this amount,&nbsp;$84.4 trillion, is projected to&nbsp;be passed down&nbsp;to heirs, marking a significant&nbsp;multigenerational wealth transfer, according to&nbsp;experts at&nbsp;financial services firm Cerulli Associates.
Also Read: <a href="https://www.benzinga.com/markets/25/04/44657195/charlie-munger-slams-teaching-stock-trading-to-young-people-its-like-trying-to-induce-young-people-to-sta">Charlie Munger Slams Teaching Stock Trading To Young People: &#8216;It&#8217;s Like Trying To Induce Young People To Start Off On Heroin&#8217;</a>
Dimon also stressed the importance of maintaining physical and mental health as part of the younger generation&#8217;s&nbsp;preparations for a successful future.&nbsp;He underscored the significance of treating people with fairness, honesty, and respect.
"If you don't take care of your mind, your body, your spirit, your soul, your friends, your family — you're not going to have a great life and enjoy it. Have a little heart and humanity, treat people properly. The way I grew up, the way you treat everyone is fair and honest and forthright and you'll have a great life," he added. 
Why It Matters: Dimon&#8217;s comments come at a time when the younger generation is grappling with numerous challenges, including economic uncertainty, climate change, and social inequality. 
His optimistic outlook is a call to action for the younger generation to leverage the opportunities that lie ahead, such as the anticipated wealth transfer and technological advancements. 
Furthermore, his emphasis on health and respect underscores the importance of personal well-being and social values in shaping a prosperous future.
Read Next
<a href="https://www.benzinga.com/news/23/03/31504452/despite-the-controversy-surrounding-tiktok-young-americans-love-chinese-apps-heres-why">Despite The Controversy Surrounding TikTok, Young Americans Love Chinese Apps. Here&#8217;s Why.</a>
Shutterstock: Rokas Tenys

JPMorgan Chase's Jamie Dimon Says Younger Generation Will Thrive if One Major Risk Is Avoided

Bitcoin has become more than just a speculative asset; it is now evolving into a functional monetary tool, especially in economies seeking to bypass the U.S. dollar and reduce exposure to U.S.-led financial systems. Head of Digital Assets Research Matthew Sigel said in <a href="https://www.vaneck.com/us/en/blogs/investment-outlook/our-portfolio-managers-weigh-impact-of-trumps-tariffs/">VanEck&#8217;s report released on April 8</a>, &#8220;China and Russia have reportedly begun settling some energy transactions in Bitcoin and other digital assets,&#8221; a significant step that further drives the narrative of de-dollarization.
Don't Miss:
<ul>
<li>‘Scrolling To UBI' — Deloitte's #1 fastest-growing software company allows users to earn money on their phones. <a href="https://www.benzinga.com/money/mode-mobile-2">You can invest today for just $0.26/share with a $1000 minimum.</a></li>
<li>It&#8217;s no wonder Jeff Bezos holds over $250 million in art — <a href="https://www.benzinga.com/money/masterworks">this alternative asset has outpaced the S&amp;P 500 since 1995, delivering an average annual return of 11.4%. Here&#8217;s how everyday investors are getting started.</a></li>
</ul>
The global financial landscape has been changing rapidly, with the Trump administration's April 2 tariff package reigniting trade tensions. The tariffs, targeting imports from China and the European Union, have heightened risks of monetary and geopolitical fragmentation. VanEck notes that this policy shift "might be bullish for Bitcoin" as it could prompt the Federal Reserve to cut rates. The report explains that if tariffs affect GDP without causing a fresh inflation spike, it may "reintroduce the liquidity conditions under which Bitcoin has historically excelled." This sets the stage for Bitcoin to benefit from an environment where liquidity is more favorable and interest in digital assets continues to rise.
In recent developments, China and Russia&#8217;s decision to settle energy trades using Bitcoin signals a shift towards crypto adoption on the global stage. VanEck's report emphasizes that this is no longer a theoretical concept but a tangible reality: "Bolivia has announced plans to import electricity using crypto. And French energy utility EDF is exploring whether it can mine Bitcoin with surplus electricity currently exported to Germany." These examples are indicative of a broader shift as nations begin using Bitcoin not just as a store of value but also as a tool to circumvent the dollar-based financial system.
Trending: Hasbro, MGM, and Skechers trust this AI marketing firm — <a href="https://www.benzinga.com/money/rad-intel">invest pre-IPO from $0.55 per share now</a>.
The weaponization of trade and financial infrastructure, largely led by the U.S., has fueled this movement. Countries increasingly seek neutral settlement systems that avoid dependency on the dollar. VanEck highlights that Bitcoin's growing adoption by nations like China and Russia "could accelerate adoption of crypto as an alternative settlement layer," marking a crucial shift in global trade dynamics.
Despite recent fluctuations in the market, Bitcoin has outperformed major indices like the Nasdaq across various timeframes. While slower growth alone may not be a bullish signal for Bitcoin, the potential policy response to trade tensions could create an environment where Bitcoin thrives. In particular, any dovish shifts in Fed policy—such as rate cuts and rising liquidity—could benefit Bitcoin, especially in an era of geopolitical fragmentation.
See Also: Have $200K saved?<a href="https://www.benzinga.com/money/have-200k-saved-heres-how-to-turn-it-into-lasting-wealth"> Here's how to turn it into lasting wealth</a>
Looking ahead, VanEck recommends keeping an eye on the U.S. Dollar Index and sustained dollar weakness, as this could further strengthen the "Bitcoin-as-hedge" narrative. The report also points to Bitcoin's decoupling from traditional macro sensitivities, noting that "rising yields did not trigger a wave of forced liquidations or volatility in crypto markets," suggesting that Bitcoin may no longer react the same way to shifts in traditional financial markets as it did in the past.
As the world shifts towards digital assets and away from reliance on traditional financial systems, Bitcoin's role in the global economy is becoming increasingly clear. Whether it's energy trades in Bitcoin or countries looking for alternatives to the dollar, the future of Bitcoin is intertwined with the global push for de-dollarization.
Read Next:
<ul>
<li><a href="https://www.benzinga.com/money/gbr-savings-by-age">If You're Age 35, 50, or 60: Here&#8217;s How Much You Should Have Saved Vs. Invested By Now</a></li>
<li>Deloitte's fastest-growing software company partners with Amazon, Walmart &amp; Target – <a href="https://www.benzinga.com/money/mode-mobile-2">Many are rushing to grab 4,000 of its pre-IPO shares for just $0.26/share!</a></li>
</ul>

VanEck Confirms China and Russia Settling Energy Trades in Bitcoin — A Major Step in De-Dollarization

Apple Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AAPL#NASDAQ">AAPL</a>) is reportedly gearing up to introduce two new Vision Pro headsets and revamp its iPadOS. This comes amidst a major reshuffling in the company&#8217;s leadership and challenges related to the commercial success of the Vision Pro.
Bloomberg's Mark Gurman, in his <a href="https://www.bloomberg.com/news/newsletters/2025-04-13/apple-vision-pro-2-details-low-latency-headset-ar-glasses-ipados-19-details-m9flf1fd?srnd=undefined&amp;sref=TBDibEcD">latest</a> weekly "Power On&#8221; column, revealed that Apple has been witnessing significant internal shifts. The company recently reassigned the leadership of Siri from AI chief John Giannandrea to Mike Rockwell, who previously led the Vision Products Group (VPG).
This resulted in the dissolution of VPG, with its components being reabsorbed across the company. Rockwell now reports to Craig Federighi, the head of all software engineering, while maintaining his previous responsibility over software engineering for the Vision Pro.
The first Vision Pro device, a $3,500 headset, despite its technological prowess, has not achieved commercial success. This, along&nbsp;with recent product cancellations and&nbsp;engineering issues, has raised concerns among employees about potential layoffs. The company is now reassessing its approach to the Vision Pro, contemplating whether to launch a new model or modify the product to attract more consumers.
Also Read: <a href="https://www.benzinga.com/tech/25/03/44552954/inside-apples-silent-revolution-ai-doctors-nutrition-tech-and-a-new-retail-boss">Inside Apple&#8217;s Silent Revolution—AI Doctors, Nutrition Tech, And A New Retail Boss</a>
Despite competition from cost-effective alternatives like those offered by&nbsp;Meta Platforms Inc., Apple is forging ahead with the development of two new Vision Pro models. One model aims to address the current model&#8217;s weight and cost issues, while the other is expected to connect to a Mac, offering&nbsp;an ultra-low-latency system for streaming&nbsp;a user&#8217;s Mac display or&nbsp;connecting to high-end enterprise applications.
Apple is also planning a major overhaul of iPadOS&nbsp;to make the tablet more&nbsp;like a Mac, focusing on productivity, multitasking, and app window management. This move is in response to user feedback that&nbsp;the hardware capabilities of the&nbsp;iPad far outstrip its software.
According to Gurman, the leadership reshuffle and the planned launch of new Vision Pro models indicate Apple&#8217;s commitment to overcoming the commercial challenges faced by the Vision Pro. 
The company&#8217;s decision to revamp iPadOS also reflects its responsiveness to user feedback and its dedication to enhancing user experience. These developments could potentially shape the future of Apple&#8217;s product line and its position in the competitive tech market.
Read Next
<a href="https://www.benzinga.com/tech/25/03/44450408/apple-explores-ai-wearables-with-camera-integrated-smartwatches" target="_blank" rel="noreferrer noopener">Apple Explores AI Wearables With Camera-Integrated Smartwatches</a>
Shutterstock: Ringo Chiu

Apple Revamps Leadership, Preps New Vision Pro Headsets Amid Commercial Hurdles

Jeff Bezos, during his time at Amazon, reportedly had an unconventional method of interviewing prospective employees, always posing them one unusual question: &#8220;Are you a lucky person?&#8221;
What Happened: As per the report, a former&nbsp;Amazon executive Dan Rose has disclosed that Bezos, the founder of the company, consistently inquired job applicants about their luck. This question, while seemingly unrelated to business skills, was in fact a strategic move to evaluate key attributes in potential employees.
Observers and psychologists suggest that Bezos&#8217; question was an ingenious way to measure humility, initiative, and optimism. Known for valuing humility, Bezos also questioned candidates about their past mistakes, seeing the capability to recognize and learn from errors as an indicator of intelligence.
Patrick Mayr, a venture investor, supported Bezos&#8217; method, stating that acknowledging&nbsp;luck is a sign of&nbsp;modesty. It demonstrates an understanding that success is not only due to hard work and intelligence, but also being at the right place at the right time.
Also Read: <a href="https://www.benzinga.com/news/24/06/39563534/jeff-bezos-reveals-the-one-secret-to-success-you-can-have-a-job-or-you-can-have-a-career-or">Jeff Bezos Reveals The One Secret To Success: &#8216;You Can Have A Job, Or You Can Have A Career, Or &#8230;&#8217;</a>
According to the report <a href="https://www.inc.com/jessica-stillman/jeff-bezos-favorite-job-interview-question-is-weird-psychology-says-its-also-brilliant/91171188">by </a>Inc., the question also served to identify individuals with initiative. Research has indicated that those who consider themselves lucky are more observant and alert to opportunities, traits that Bezos would find appealing in an employee.
Finally, the question was a measure of optimism. Those who consider themselves lucky are likely to&nbsp;expect good fortune in the&nbsp;future, a mindset that psychology suggests can lead to better business outcomes.
Also Read:&nbsp;<a href="https://www.benzinga.com/news/24/01/36631415/this-amazon-applicants-interview-answer-earned-her-a-seat-3-feet-away-from-amazons-bezos" target="_blank" rel="noreferrer noopener">This Amazon Applicant's Interview Answer Earned Her A Seat 3 Feet Away From Jeff Bezos</a>
Despite its peculiarity, Bezos&#8217; favorite interview question seems to be an effective way to identify potential hires with humility, initiative, and optimism.
Why It Matters: This revelation sheds light on the unique hiring practices at Amazon under Bezos&#8217; leadership. The question, while unconventional, is a testament to Bezos&#8217; innovative approach to building a successful team. 
It underscores the importance of humility, initiative, and optimism in the workplace, traits that have arguably contributed to Amazon&#8217;s monumental success. 
This insight into Bezos&#8217; hiring methodology may serve as a valuable lesson for other companies aiming to build a successful and dynamic workforce.
Read Next
<a href="https://www.benzinga.com/news/24/01/36625488/amazon-is-reportedly-using-a-secretly-disturbing-tactic-to-get-rid-of-unwanted-employees" target="_blank" rel="noreferrer noopener">Amazon Is Reportedly Using A Secretly Disturbing Tactic To Get Rid Of Unwanted Employees</a>
Shutterstock: dennizn

AMZN

Decoding Jeff Bezos' Unique Amazon Interview Question: A Key To Hiring Success?

Investing money into dividend stocks can result in steady cash flow. Gradually putting money into these investments will increase your dividend income over time, but some people receive a windfall of cash that they can deploy right away.
One Redditor finds themselves in that position. The individual is set to have $10,000 sometime next week and has been following the Dividends subreddit for a while. Now, after consuming content from the group for a while, the Redditor is <a href="https://www.reddit.com/r/dividends/comments/1juckoh/10k_invest/">looking for advice</a>.
"I'm looking for a decent yield and a little growth," the Redditor explained when asking for recommendations.&nbsp;
Don't Miss:
<ul>
<li>Deloitte's fastest-growing software company partners with Amazon, Walmart &amp; Target – <a href="https://www.benzinga.com/money/mode-mobile-2">Many are rushing to grab 4,000 of its pre-IPO shares for just $0.26/share!</a></li>
<li>Maker of the $60,000 foldable home has 3 factory buildings, 600+ houses built, and big plans to solve housing —<a href="https://www.benzinga.com/money/boxabl"> this is your last chance to become an investor for $0.80 per share.</a></li>
</ul>
In addition to the immediate $10,000 investment, the Redditor aims to invest $250 each month. Other Redditors shared their thoughts in the comments.
<h2 class="wp-block-heading">Stagger The $10,000 Investment&nbsp;</h2>
One commenter suggested staggering the $10,000 investment instead of putting it all into the market at once. This approach can help the Redditor capitalize on any price dips instead of unloading all of their capital and watching their assets lose value.
Many investors on Reddit seem to be jittery about the recent trade war. The popular consensus on Reddit is that the market will continue to tank, and that fear showed up again in the comments.
Trending: BlackRock is calling 2025 the year of alternative assets. <a href="https://www.benzinga.com/money/masterworks">One firm from NYC has quietly built a group of 60,000+ investors who have all joined in on an alt asset class previously exclusive to billionaires like Bezos and Gates.</a>
An investor who wants to dollar cost average as the market goes down may want to consider breaking the $10,000 investment into several investments. The amount of times you break down the $10,000 should depend on your risk tolerance, your thoughts about current prices, and what you think the stock market will look like in five to 10 years.
<h2 class="wp-block-heading">Accumulate ETFs That Align With Your Financial Goals</h2>
The original poster mentioned some ETFs and received comments that suggested some ETFs as well. The Schwab US Dividend Equity ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SCHD#NYSE">SCHD</a>) was the first ETF the original poster mentioned. It's no surprise to see SCHD mentioned in the Dividends subreddit since it seems to be a fan favorite.
The SPDR S&amp;P 500 Trust (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SPY#NYSE">SPY</a>), JPMorgan Nasdaq Equity Premium Income ETF (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/JEPQ#NASDAQ">JEPQ</a>), and the JPMorgan Equity Premium Income ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/JEPI#NYSE">JEPI</a>) were some of the other ETFs that were mentioned in the post and the comments.&nbsp;
See Also: If there was a new fund backed by Jeff Bezos offering a <a href="https://www.benzinga.com/money/arrived-private-credit-fund">7-9% target yield with monthly dividends would you invest in it</a>?
However, these recommendations don't mean much since we don't know much about the Redditor. One of the top commenters pointed this out.
‘What to invest in depends a lot on your personal situation. You didn't provide any details about age, income, investment objectives (other than decent yield and a little growth, which is a relative idea), risk tolerance, jurisdiction, investment currency, etc., so it's hard for any meaningful advice to be given."
The best stocks and ETFs for one person may be different from the best assets for another person. Some people pursue high-yield stocks as they get closer to retirement, while others buy growth stocks when they are younger to maximize their potential returns. Personal details like risk tolerance and income play a role in which stocks and ETFs make sense for you.
Read Next:
<ul>
<li><a href="https://www.benzinga.com/money/vatom-adv">Invest in the Future of Digital Engagement. Own a Piece of the $100 Billion Metaverse Today for Just $500.</a></li>
<li>Inspired by Uber and Airbnb &#8211; Deloitte's fastest-growing software company is transforming 7 billion smartphones into income-generating assets &#8211; <a href="https://www.benzinga.com/money/mode-mobile-2">with $1,000 you can invest at just $0.26/share!</a></li>
</ul>

JEPI

JEPQ

SCHD

An Individual Is Ready To Invest $10,000 And Turns To Reddit For Advice: 'I'm Looking For A Decent Yield And A Little Growth'

Investment maestro Peter Lynch once shed light on the distinguishing traits that set successful investors <a href="https://www.benzinga.com/markets/25/01/42935107/peter-lynchs-money-making-advice-when-things-go-from-terrible-to-semi-terrible-to-ok-you-can-make-a-lot-of-money">apart from the average ones</a>.
What Happened: Lynch underscores the significance of patience, courage, and discipline, asserting that these qualities hold more weight than mere intelligence. 
Lynch, in his book Learn to Earn, advocates for a twenty-year investment horizon as the ideal timeframe for stock market success. This span provides sufficient time to bounce back from market slumps and amass profits.
Historically, stocks have yielded an 11% annual return, turning a $10,000 investment into a whopping $80,623 over a span of two decades. To attain this, investors need to demonstrate an unwavering dedication to stocks, likening the relationship to&nbsp;a marriage. Patience, courage, and&nbsp;discipline—rather than just intelligence—are the cornerstones of successful investing.
Lynch counsels investors to turn a deaf ear to short-term market fluctuations and stay invested in robust companies with solid earnings, even during market downturns. While many proclaim to be long-term investors,&nbsp;their true commitment is put to the test during market slumps, underlining the need for resilience and consistency.
Also Read: <a href="https://www.benzinga.com/markets/25/04/44658863/peter-lynchs-advice-if-you-cant-explain-to-an-11-year-old-in-two-minutes-or-less-why-you-own-the-stock-you-shouldnt-own-it">Peter Lynch&#8217;s Advice: &#8216;If You Can&#8217;t Explain to an 11-Year-Old in Two Minutes or Less Why You Own the Stock, You Shouldn&#8217;t Own It&#8217;</a>
&#8220;You can be a genius&nbsp;at analyzing which companies to&nbsp;buy, but unless you have&nbsp;the patience and the courage&nbsp;to hold on to the&nbsp;shares, you're an odds-on favorite&nbsp;to become a mediocre investor,&#8221; Lynch states in his book. 
&#8220;It's not always brainpower that separates good investors from bad; often, it's discipline. Stick with your stocks no matter what, ignore all the smart advice that tells you to do otherwise, and act like a dumb mule," he said.
He stresses that discipline is often the dividing line between good and bad investors, and not just intellect.
Why It Matters: Lynch&#8217;s insights serve as a timely reminder for investors, especially in the current volatile market conditions. His emphasis on patience, courage, and discipline over intelligence underscores the importance of emotional intelligence in investment decisions. 
His advice to ignore short-term market noise and focus on companies with strong earnings resonates with the principles of value investing, a strategy that has proven successful over time. 
His words serve as a guide for investors navigating the complex world of investing, highlighting the importance of long-term commitment and resilience in achieving investment success.
Read Next
<a href="https://www.benzinga.com/markets/25/02/43581581/peter-lynchs-timeless-advice-when-the-markets-going-down-and-you-buy-funds-wisely-at-some-point-in-the-future-you-will-be-happy">Peter Lynch&#8217;s Timeless Advice: &#8216;When the Market&#8217;s Going Down and You Buy Funds Wisely, at Some Point in the Future You Will Be Happy&#8217;</a>
Image: Shutterstock

Peter Lynch's Advice for Successful Investors: 'Stick With Your Stocks No Matter What,' Ignore So-Called 'Smart Advice'

Real estate is supposed to make you rich, not raise your blood pressure — unless you're Dave Ramsey hearing a caller explain her mobile home park "investment."
Andrea from Missoula, Montana called into "<a href="https://youtu.be/sa9cYhNTu1g?si=0JAgTAYA6UHFNTXK">The Ramsey Show</a>" with what sounded like a simple question: Can she use profits from one business to pay off the debt in another? Turns out, the businesses in question were a trio of Airbnbs and a mobile home park. The <a href="https://www.benzinga.com/markets/24/12/42657437/theres-nothing-wrong-with-owning-rentals-says-dave-ramsey-but-forget-the-get-rich-quick-nonsense-some-want-you-to-believe">Airbnbs were doing great</a> — bringing in $150,000 a year. The mobile home park? Well, let's just say things went downhill faster than a trailer in a windstorm.
Don't Miss:
<ul>
<li>Hasbro, MGM, and Skechers trust this AI marketing firm — <a href="https://www.benzinga.com/money/rad-intel">invest pre-IPO from $0.55 per share now</a>.</li>
<li>Deloitte's #1 fastest-growing software company allows users to earn money on their phones — <a href="https://www.benzinga.com/money/mode-mobile-2"> invest today for just $0.26/share with a $1000 minimum.</a></li>
</ul>
Ramsey, who owns hundreds of millions of dollars in real estate himself, wasn't impressed. "You've got a really bad deal," he told her, flat out. "Mobile home parks generally aren't that bad. They generally are cash money." But Andrea's wasn't printing cash — it was draining it.
Despite pouring $200,000 to $300,000 in upgrades into the park, the numbers just didn't add up. "You don't have a $650,000 mortgage on a mobile home park that makes 60 grand," Ramsey said. "That does not make sense. It literally should be making 300."
And then he drove the point home:
"That thing ought to be cash flowing like a bandit."
Andrea explained there were only 13 mobile homes on the property, along with a four-bedroom house. Some of the units had below-market rents because it was low-income housing, and she was reinvesting profits into improvements. But Ramsey wasn't buying the math. "You're not charging," he said. "It's a trailer — of course it's lower income housing."
Trending: <a href="https://www.benzinga.com/money/arrived-centennial">Jeff Bezos-Backed Arrived Homes Hits A Big Sale On Charlotte Property – Investors Earning A 34.7% Return</a>
And that's when Ramsey launched into full-on coach mode.
"If you did not already own this mobile home park," he told her, "and you had the chance to buy it today with $650,000 in debt to make $60K a year, would you buy it again?" His answer: a hard no.
He didn't mince words about the investment either. "If you really are $650,000 in debt on depreciating, losing-value mobile homes and you're only cash flowing 60 — you got a really bad deal. And you need to get out of it if you can. It just sucks as an investment."
Ramsey's advice? Forget the cosmetic upgrades. Stop building redwood decks and "giving them all a hot tub." Focus on paying off the mortgage. "Let's get rid of the mortgage and then we'll go back and do our improvements… once we're debt-free and we've got real cash flow."
Andrea's situation wasn't just a one-off lesson in bad ROI — it also opened the door to Ramsey's broader philosophy on mobile homes as investments. He made it clear: never buy one to live in.
"They go down in value," he said. "It's a car you sleep in… Financially, that's what it amounts to."
But as investments? It depends on the numbers. Ramsey pointed to another woman he recently advised who was, in his words, "breaking even every 20 seconds" on mobile homes she picked up for $20,000 apiece. With low buy-in and high cash flow, that made business sense. "She was making bank," he said. "She was printing money."
The contrast couldn't be sharper. One investor's mobile home park is a cash cow. The other? A money pit dressed as a passive income stream.
"If you can get someone else to buy it, you should sell it and get rid of it," Ramsey told Andrea. "That's a horrible ROI."
In the end, his advice was simple: pay off the mortgage fast, stop throwing good Airbnb money after bad, and don't confuse a fixer-upper with a solid investment.
Because when even Ramsey — <a href="https://www.benzinga.com/personal-finance/25/01/43171388/dave-ramsey-was-in-debt-up-to-his-eyeballs-sheriff-wanted-to-take-his-kids-crib-now-he-owns-600-million-in-real-estate-paid-for-in-cash">a guy who loves real estate </a>— says, "That thing ought to be cash flowing like a bandit," it might be time to trade that park in for, well, just about anything else.
Read Next:
<ul>
<li><a href="https://www.benzinga.com/money/investing-in-the-midwest-why-multifamily-real-estate-is-a-winning-strategy">This investment company boasts a 33.85% internal rate of return (IRR) for its realized projects, allowing accredited investors to earn passive returns and avoid the headaches of being a landlord.</a></li>
</ul>

Dave Ramsey Is Shocked A Caller's $650K Mobile Home Park Only Nets Her $60K A Year — 'That Thing Ought To Be Cash Flowing Like A Bandit!'

Bill Gates, the co-founder of Microsoft, is reportedly planning to sell his unused $645 million hydrogen-powered superyacht&nbsp;to a former NHL goalie&nbsp;turned billionaire.
What Happened: Gates has never utilized his eco-friendly superyacht, &#8220;Breakthrough&#8221;. The 390-foot vessel, constructed by&nbsp;Dutch shipbuilder Feadship in 2021, holds the distinction of being the world&#8217;s first hydrogen-powered superyacht. It features lavish amenities including two large bedrooms, an infinity pool, a helipad, a spa, and a gym.
Known as Project 821, the superyacht is powered by&nbsp;two 28-ton vacuum-sealed tanks that&nbsp;run on liquid hydrogen, emitting only water. Although Gates never publicly confirmed his ownership, it&#8217;s widely believed that he commissioned the vessel, <a href="https://luxurylaunches.com/celebrities/canadian-billionaire-to-buy-bill-gates-superyacht-09042025.php">reports </a>Luxury Launches.
As per the outlet, Gates is now prepared to sell the superyacht. The potential buyer is Patrick Dovigi, the Canadian billionaire and CEO of Green For Life Environmental. Dovigi, a former NHL goalie, has an estimated net worth of $1 billion and is the 97th richest person in Canada.
Also Read: <a href="https://www.benzinga.com/tech/25/02/43581817/bill-gates-says-this-simple-trait-is-the-secret-to-his-success">Bill Gates Says This Simple Trait Is the Secret to His Success</a>
Jamie Edmiston, CEO of Edmiston,&nbsp;has hailed Breakthrough as&nbsp;a game changer for superyacht&nbsp;standards, describing it as &#8220;the most extraordinary yacht ever built&#8221;.
Why It Matters: If the sale is successful, it would represent another significant business transaction for Gates, who&nbsp;has an estimated net worth&nbsp;of&nbsp;$101.2 billion, according to Forbes.&nbsp;
The sale also highlights the growing interest in eco-friendly luxury vessels, with Breakthrough&#8217;s hydrogen-powered system setting a new standard in the superyacht industry. 
This move could potentially inspire other high-net-worth individuals to invest in environmentally-friendly luxury vessels, further pushing the industry towards sustainability.
Read Next
<a href="https://www.benzinga.com/tech/25/01/43218782/bill-gates-i-would-probably-be-diagnosed-on-the-autism-spectrum-if-growing-up-today" target="_blank" rel="noreferrer noopener">Bill Gates: ‘I Would Probably Be Diagnosed on the Autism Spectrum&#8217; if Growing Up Today</a>
Image via Shutterstock

Entertainment

MSFT

Bill Gates Bought a $645 Million Superyacht and Never Used It — Now It's for Sale

<ul>
<li>Kaspersky has recently found crypto-stealing malware disguised as a Microsoft Office package on SourceForge.</li>
<li>While the malware primarily tricks users into sending crypto to bad actors, Kaspersky warns that the threat extends far beyond that.</li>
<li>Thousands of users have encountered this scheme in the past three months.</li>
</ul>
As crypto adoption grows, so too does interest from bad actors.
In likely evidence of this trend, warnings of security threats have ramped up in recent weeks, from <a href="https://www.benzinga.com/content/44555236/new-crocodilus-android-malware-steals-sensitive-crypto-wallet-credentials-research?utm_campaign=partner_feed&amp;utm_source=yahooFinance&amp;utm_medium=partner_feed&amp;utm_content=site&amp;nid=44710877">Threat Fabric&#8217;s Crocodilus malware warning</a> to <a href="https://www.benzinga.com/personal-finance/25/04/44710877/users-risk-buying-smartphones-preloaded-with-crypto-stealing-malware-what-you-need-to-know">Kaspersky&#8216;s recent Triada Trojan warning</a>. In the latest instance, Kaspersky is back with a warning of yet another security risk facing crypto users.
<h2 class="wp-block-heading">A Malicious &#8220;Officepackage&#8221;</h2>
Kaspersky has recently found crypto-stealing malware disguised as a Microsoft (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/MSFT#NASDAQ">MSFT</a>) Office package on SourceForge, a popular software hosting and distribution platform.&nbsp;
Don't Miss:
<ul>
<li>Maker of the $60,000 foldable home has 3 factory buildings, 600+ houses built, and big plans to solve housing —<a href="https://www.benzinga.com/money/boxabl"> this is your last chance to become an investor for $0.80 per share.</a></li>
<li>‘Scrolling To UBI' — Deloitte's #1 fastest-growing software company allows users to earn money on their phones. <a href="https://www.benzinga.com/money/mode-mobile-2">You can invest today for just $0.26/share with a $1000 minimum.</a></li>
</ul>
In a Tuesday blog <a href="https://securelist.com/miner-clipbanker-sourceforge-campaign/116088/">post</a>, the cybersecurity outfit warned of a project it found on SourceForge called &#8220;officepackage,&#8221; which posed as a legitimate Microsoft Office add-in project but redirected users to another website to download malware disguised as pirated Microsoft Office applications.
Once downloaded, Kaspersky explains that the malware scans the system for previous infections and antivirus software, deleting itself if it finds either. But if the system passes both checks, the malware quickly sends out a message of key system data through a Telegram API, sets up several re-entry measures and delivers its payload, the so-called ClipBanker.
ClipBanker is a malicious code that replaces cryptocurrency addresses in a system&#8217;s clipboard with the attacker&#8217;s own. This exploit is particularly potent as crypto users typically copy wallet addresses instead of typing them out to avoid errors. As such, ClipBanker turns what is usually a safety precaution into the user&#8217;s undoing.
Trending: It&#8217;s no wonder Jeff Bezos holds over $250 million in art — <a href="https://www.benzinga.com/money/masterworks">this alternative asset has outpaced the S&amp;P 500 since 1995, delivering an average annual return of 11.4%. Here&#8217;s how everyday investors are getting started.</a>
Still, the threat of the officepackage scheme may extend beyond stealing cryptocurrencies.
&#8220;While the attack primarily targets cryptocurrency by deploying a miner and ClipBanker, the attackers could sell system access to more dangerous actors,&#8221; Kaspersky warned.
Responding to the recent Kaspersky report, SourceForge President Logan Abbot <a href="https://cointelegraph.com/news/microsoft-office-extension-packages-hide-malware-replaces-crypto-addresses">told</a> Cointelegraph that the firm had removed the officepackage software from its platform and put measures in place to prevent future occurrences. But these measures arrived too late for thousands of users.
According to Kaspersky, 4,604 users were affected by the scheme between January and March, with Russians seemingly the primary target as they accounted for 90% of the victims.
See Also: <a href="https://www.benzinga.com/money/are-you-rich">Are you rich?</a> Here&#8217;s what Americans think you need to be considered wealthy.
<h2 class="wp-block-heading">How To Stay Safe From Schemes Like The Officepackage Exploit</h2>
While the officepackage scheme is particularly tricky, there are simple measures users can take to stay protected.
For one, as highlighted by Kaspersky, users should stick to official sources for their software as much as possible.&nbsp;
&#8220;We advise users against downloading software from untrusted sources. If you are unable to obtain some software from official sources for any reason, remember that seeking alternative download options always carries higher security risks,&#8221; the firm stressed.
Another step users can take to stay safe is to have up-to-date antivirus software for prompt and easy malware detection.
Furthermore, users should always double-check wallet addresses before executing transfers to avoid making transfers to unwanted addresses.
Read Next:
<ul>
<li>Hasbro, MGM, and Skechers trust this AI marketing firm — <a href="https://www.benzinga.com/money/rad-intel">invest pre-IPO from $0.55 per share now</a>.</li>
<li>Deloitte's fastest-growing software company partners with Amazon, Walmart &amp; Target – <a href="https://www.benzinga.com/money/mode-mobile-2">Many are rushing to grab 4,000 of its pre-IPO shares for just $0.26/share!</a></li>
</ul>

Kaspersky Warns Of Crypto-Stealing Malware In SourceForge Microsoft Package—Here's How to Stay Protected

Meta Platforms Inc (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/META#NASDAQ">META</a>), the $1.3 trillion empire of Mark Zuckerberg, is gearing up to battle an antitrust lawsuit.
What Happened: Meta is bracing for a legal showdown with the U.S. government&#8217;s antitrust watchdogs on Monday. The impending case, to be heard in a Washington court, could result in Zuckerberg being forced to divest Instagram, one of Meta&#8217;s most valuable assets.
This lawsuit has the potential to disrupt Meta&#8217;s dominance in the tech industry.
The U.S. government&#8217;s case against Meta is largely built on claims by the Federal Trade Commission (FTC) that Facebook, Meta&#8217;s flagship social media platform, leveraged its monopoly power to acquire rather than compete with smaller social media rivals, reports <a href="https://www.theverge.com/policy/646828/meta-ftc-antitrust-trial-preview-instagram-whatsapp">the</a> Verge.
According to the FTC, these acquisitions bolstered Meta&#8217;s ability to track&nbsp;its users across the internet&nbsp;and monopolize the online advertising market.
A spokesperson for Meta has disputed the FTC&#8217;s lawsuit, arguing that it&nbsp;mischaracterizes Facebook as a monopolist&nbsp;by overlooking its main competitors in the social media market. 
Also Read: <a href="https://www.benzinga.com/tech/25/03/44209921/meta-secretly-keeps-block-lists-of-ex-employee-former-google-hr-chief-calls-it-unheard-of">Meta Secretly Keeps &#8216;Block&#8217; Lists of Ex-Employee, Former Google HR Chief Calls It &#8216;Unheard Of&#8217;</a>
The spokesperson underscored that&nbsp;Instagram, Facebook, and WhatsApp compete&nbsp;with a multitude of other platforms, including TikTok, YouTube, and iMessage.
The FTC initially&nbsp;filed its complaint against Facebook&nbsp;during President Trump's first term.&nbsp;The case was initially dismissed but was later accepted when an amended complaint&nbsp;was refiled during former President&nbsp;Biden's administration.
Regulators are now advocating for the judge to reestablish fair competition in the personal social networking services market by ordering the divestment of Instagram and a court-ordered spin-off of Meta&#8217;s messaging service, WhatsApp.
Emarketer has revealed that Instagram contributed $32 billion to Meta&#8217;s U.S. ad revenue in 2024, accounting for&nbsp;48.4% of its $1.3 trillion&nbsp;in total revenue. Consequently, a divestment of Instagram would significantly affect Meta&#8217;s bottom line.
Why It Matters: This lawsuit comes at a time when tech giants are facing increased scrutiny over their business practices. The outcome of this case could set a precedent for future antitrust cases in the tech industry. 
Furthermore, the potential divestment of Instagram and WhatsApp could drastically alter the landscape of social media and online advertising, impacting both users and advertisers.
Read Next:&nbsp;
<a href="https://www.benzinga.com/news/24/09/40867264/big-techs-security-spending-spree-zuckerberg-leads-in-lavish-security-measures" target="_blank" rel="noreferrer noopener">Big Tech&#8217;s Security Spending Spree: Zuckerberg Leads In Lavish Security Measures</a>
Shutterstock: Kemarrravv13

Mark Zuckerberg's Empire in Jeopardy as Meta Faces Antitrust Battle in Court

In a recent interview, NBA legend Shaquille O&#8217;Neal shared his financial <a href="https://www.benzinga.com/general/sports/24/11/42026306/nba-legend-shaqs-daughter-breaks-silence-on-dads-career-defying-family-expectations-its-a-no-go-for-me">advice and money-saving tips</a>.
What Happened: The NBA superstar, who has amassed an estimated $700 million throughout his illustrious career, underscored the significance of saving.
Shaq&#8217;s personal wallet includes a license, law enforcement badge, credit card, and a cherished photo of him with his mother. 
He also shared some wisdom for business owners, emphasizing the need for due diligence, seeking advice, and taking decisive action.
In the interview <a href="https://www.cnbc.com/select/shaquille-oneal-money-saving-advice/">with</a> CNBC, Shaq said, &#8220;It&#8217;s not about how much you make, it&#8217;s about how much you keep,&#8221; and recommended saving as much as 75% of earnings.
&#8220;If saving 75% of your income is out-of-reach, consider the 50/30/20 rule, which provides more flexibility. This rule suggests you split up your after-tax income so 50% is spent on needs, 30% on wants and 20% on savings. As your earning change, you can make adjustments and increase savings,&#8221; he added. 
Also Read:&nbsp;<a href="https://www.benzinga.com/general/sports/25/03/44209990/nba-legend-shaqs-walmart-shopping-spree-ends-in-credit-card-decline-heres-how-much-he-tried-to-spend" target="_blank" rel="noreferrer noopener">NBA Legend Shaq's Walmart Shopping Spree Ends In Credit Card Decline—Here's How Much He Tried To Spend</a>
Shaq, who has transitioned from the basketball court to the boardroom as a successful entrepreneur, is a board member at&nbsp;Papa John&#8217;s&nbsp;and owns several Auntie Anne&#8217;s restaurants. 
He further advised that a portion of every paycheck should be saved, even if it&#8217;s a small amount.
&#8220;Putting $100 from each paycheck into Marcus, assuming you get paid biweekly, would allow you to earn $8 in interest after a year, and $198 after five years. The more money you save each paycheck, the more your savings will grow,&#8221; Shaq said. 
He also recommended using high-yield savings accounts that earn compound interest,&nbsp;like Marcus by Goldman Sachs&nbsp;High Yield Online Savings, as a strategy to grow savings over time.
Why It Matters: Shaq&#8217;s financial advice comes from his own experience of building a successful business empire post his NBA career. 
His emphasis on saving and investing wisely is a testament to his financial acumen and business success. His advice is particularly relevant in today&#8217;s uncertain economic climate, where financial security is paramount. 
The NBA legend&#8217;s tips could serve as a valuable guide for those looking to manage their finances effectively.
Read Next
<a href="https://www.benzinga.com/general/sports/25/03/44348149/shaq-once-spent-1-million-in-a-day-on-luxury-then-realized-taxes-took-a-huge-cut">Shaq Once Spent $1 Million in a Day on Luxury, Then Realized Taxes Took a Huge Cut</a>
Shutterstock: Ron Adar

Shaq's Financial Wisdom: 'It's Not What You Make, It's What You Keep' — And What's in His Wallet Might Surprise You

Dave Ramsey has educated millions of people about their finances through his books and "The Ramsey Show." He is an advocate for getting rid of debt and using cash to finance as much as you can. He recently shared a video clip in an <a href="https://x.com/DaveRamsey/status/1908584849083875393">X post</a> that covers a key detail about financial success.&nbsp;
"Success is a pile of all the mistakes you've made, and you're standing on it rather than laying under it," the radio host explained.&nbsp;
Don't Miss:
<ul>
<li>Maker of the $60,000 foldable home has 3 factory buildings, 600+ houses built, and big plans to solve housing —<a href="https://www.benzinga.com/money/boxabl"> this is your last chance to become an investor for $0.80 per share.</a></li>
<li>Inspired by Uber and Airbnb &#8211; Deloitte's fastest-growing software company is transforming 7 billion smartphones into income-generating assets &#8211; <a href="https://www.benzinga.com/money/mode-mobile-2">with $1,000 you can invest at just $0.26/share!</a></li>
</ul>
It's normal to make mistakes, but we only get better from them if we learn from them. Ramsey has spoken with many callers who made mistakes with their finances. Some of those callers recovered while others continued to make the same mistakes. Here's how you can stand on your pile of mistakes instead of getting buried by them.
<h2 class="wp-block-heading">Accept That You Have To Change</h2>
You can only avoid making the same mistakes over and over again if you accept that you have to change. Being comfortable with change and opening yourself up to improvement makes it easier to correct previous financial woes.
Once you become flexible to the idea of change, you have to figure out which change will lead to the most progress. Ramsey has suggested that people cut up their credit cards and stop using them if they are deep in debt. He also believes in the debt snowball method, an approach where you pay off your smaller debt first to build momentum.
Trending: These five entrepreneurs are worth $223 billion –<a href="https://www.benzinga.com/money/arrived-homes-private-credit-fund"> they all believe in one platform that offers a 7-9% target yield with monthly dividends</a>
<h2 class="wp-block-heading">Think About Where You Will Be If You Don't Change</h2>
A deep credit card debt and no money in savings may feel surpassable when you are in your early 20s. However, if you continue this route, it can have dire consequences. Ramsey has had calls with people in their 60s and 70s who have to continue working because Social Security isn't enough and they have no savings.
The decisions you make will compound in the long run. People who continue to spend frivolously won't have money left when they need it the most. People can't work forever, especially in physically demanding jobs. A financial safety net makes it easier to retire and gives you more options.
Making the same mistakes likely won't lead to a good path. You may fall short of critical financial goals and find yourself making uncomfortable sacrifices later in life. You can either have short-term pain for long-term gain or wind up with short-term gain for long-term pain. It's better to make sacrifices now than later, and part of that is correcting your mistakes.
Envision how your life will look if you correct your mistakes compared to how it will look if you ignore your weaknesses. Keeping those two scenarios in mind can help you take the necessary actions to get back on track.
See Also: <a href="https://www.benzinga.com/money/suze-orman-retirement-bucket">&#8216;Which Bucket Do I Draw From First?&#8217; Suze Orman Explains To 67-Year-Old The Best Order For Tapping Into Her Retirement Accounts</a>
<h2 class="wp-block-heading">Building Good Habits</h2>
Making mistakes not only teaches you what to avoid but also helps you develop good habits. For instance, someone who makes impulsive purchases can adopt the 30-day rule before buying non-essentials.&nbsp;
People who follow this rule wait until 30 days before they make a purchase. If it's not an essential item, you will forget about the purchase or opt against it. However, if you still want to buy something after thinking about it for 30 days, the item holds some value.
Working on your credit card debt can also lead to good money habits like setting a budget and reviewing your expenses at the end of each month. These habits can help you cut unnecessary expenses like unused subscriptions.
Read Next:
<ul>
<li>The secret weapon in billionaire investor portfolios that you almost certainly don't own yet. <a href="https://www.benzinga.com/money/masterworks">See which asset class has outpaced the S&amp;P 500 (1995-2024) – and with near-zero correlation.</a></li>
<li><a href="https://www.benzinga.com/money/are-you-rich">Are you rich?</a> Here&#8217;s what Americans think you need to be considered wealthy.</li>
</ul>

Dave Ramsey Explains How Mistakes Can Lead To Success: 'Success Is A Pile Of All The Mistakes You've Made'

Press Releases

Cardiol Therapeutics (Nasdaq: CRDL) Advances Orphan Drug Designation for CardiolRx™ at the American Heart Association…more stocks inside…

"Game-Changers to Watch CRDL, RMSG, WORX, PET and more…Innovative Companies inside"

Thanksgiving Week Oversold Stocks to Watch: CRDL, QBTS, PRSO, RGTI & More!

"Market Movers: CTOR, CTNT, PNPN.V, KITT, SHIM – More Stocks Inside to Watch"

"Cardiol Therapeutics (NASDAQ: CRDL) Heart Health Innovation – AVCO, GXAI, UPC, and More Stocks Driving Groundbreaking Advances"

PRISM MarketView Features Q&A with President and CEO David Elsley: Cardiol Therapeutics Enters Phase 3 Clinical Trial for CardiolRx™ Addressing Patients with Recurrent Pericarditis

Cardiol Therapeutics to Present at Oppenheimer 35th Annual Healthcare Life Sciences Conference

Cardiol Therapeutics Announces Publication of Research in the Journal of the American College of Cardiology: Basic to Translational Science That Supports Development of Its Proprietary Subcutaneous Drug Candidate, CRD-38, for the Treatment of Heart Failure

Comments

Cardiol Therapeutics

Cardiol Therapeutics (CRDL) Opzioni

Cardiol Therapeutics (NASDAQ:CRDL) Azioni, Catena delle Opzioni

Notizie

PARTNER/COLLABORATORE

BENZINGA NEL MONDO