# Who Can Actually Invest in Private Deals?
Hear the term "accredited investor" thrown around a lot? Here's the real deal: it's basically the SEC's way of saying "you're rich enough to gamble on high-risk stuff like hedge funds and venture capital."
**The two paths to get in:**
1. **Show me the money** — Made $200k/year solo or $300k+ combined with spouse for the past 2 years, and expecting the same this year? ✓
2. **Net worth flex** — Got $1M+ in assets (not counting your house)? ✓
Catch: You gotta pick ONE method and stick with it across all three years. Mix-and-match doesn't work — that's

# U.S. Pushes Critical Minerals Independence: ABAT's $1M DOE-Backed Lithium Tech Could Be a Game-Changer
Here's the thing—America's been too dependent on foreign lithium supply chains, and the DOE is finally putting real money behind alternatives. American Battery Technology Company just grabbed a $1 million grant from Argonne National Laboratory's ReCell Center, and this one's worth paying attention to.
What's the play? ABTC's cracked an electrochemical process for lithium hydroxide production that flips the script on traditional refining. Conventional methods? Heavy on chemicals, heavy on w

Why Mobile Homes Are a Wealth Trap (According to Finance Expert Dave Ramsey)
Think buying a mobile home is your entry ticket to the middle class? Think again. Dave Ramsey just broke down why mobile homes are actually one of the worst investment decisions you can make — and the math is brutal.
**The Core Problem: They Depreciate Immediately**
Here's the simple truth: mobile homes lose value the moment you buy them. If you're putting money into something that goes down in value, you're essentially making yourself poorer. That's not an opinion — it's basic math.
**The Dirty Secret: You're Not Rea

U.S. stocks had a good rise on Monday, led by technology stocks. The Nasdaq soared by 2.69%, and the S&P 500 rose by 1.55%.
Chip giant Broadcom ( AVGO ) rose by 11%, mainly boosted by Google's and Amazon's large-scale investments in AI. Both companies are pouring real money into AI infrastructure, which is beneficial for chip suppliers.
Insurance stocks Oscar(OSCR) rose 22%, as expectations for policy improvement emerged—The Trump administration may continue the premium subsidies of the Affordable Care Act, which has given investors plenty of room for imagination.
On the other side, No

Year-end money moves that actually matter:
1. **401(k) match = free money** — 34% of people just leave it on the table. If your employer matches, max it out before Dec 31. Average match is 4.8%, but it's basically guaranteed ROI. No 401(k)? Go Roth IRA instead.
2. **Tax-loss harvesting** — Sold a stock at a loss? Use it to offset your gains and lower your tax bill. Works until December 31. Your net gains get taxed, so this move can actually save thousands.
3. **Emergency fund check** — How much liquid cash do you have? Should cover 3-6 months of expenses for peace of mind. Add up bank accounts

# AI Scammers Evolved, Is Your Wallet Still Safe?
Banking practitioners reveal: AI has made it incredibly easy for scammers - no longer low-level typos and strange email addresses, now they can clone your friend's voice, generate fake videos, and create websites that are indistinguishable from real ones.
**The Most Outrageous New Scam**:
- Phishing links from fake websites to steal your bank account password.
- AI search engine poisoning, all the results for your bank's customer service number are scams.
- Deepfake videos, fake investments endorsed by celebrities, urgent borrowing of