**Is HELOC really a trap?** Real estate celebrity Dave Ramsey calls using home equity loans for investments "foolish behavior" and lists 6 major risks:
1. **Possible Loss of House** - The house is collateral, and failing to repay it may lead to foreclosure.
2. **Emotional Exhaustion** - The stress caused by complex financial operations is endless.
3. **Interest Rate Variability** - Floating rates, low when borrowing, but could double when repaying.
4. **Debt is still debt** - it's just moving the debt around, not solving the problem at all.
5. **Owing more than expected** - It's easy t

**Want to earn $1K in passive income per month? These 10 methods may be easier than you think**
I saw a question being spammed in the discussion area: Is passive income really passive? The answer is, it's not passive in the early stages, but it feels great later on.
Financial advisor Erika Kullberg summarized a practical plan with the core logic being: **You don't necessarily need a large principal, but you must start as early as possible**.
**The three most direct tricks:**
1. **Invest in Dividend Stocks/REITs** — Stable cash flow with no daily management required. Open accounts with

# BTC hasn't bounced back this year, but that doesn't mean it's time to sell.
With less than 50 days left in 2025, BTC has instead lost 6%. Originally, there were favorable conditions from the new government and institutions buying in aggressively as catalysts, but it still broke the $100,000 mark. It really hurts.
**Short-term player? Give up BTC and buy gold instead**
Spot gold has risen by 55% this year, while BTC has fallen by 6%. If BTC is truly "digital gold", how can one rise while the other falls? If the logic doesn’t add up, don’t force it; simply allocate to a gold ETF i

Ackman reduces position in Google, criticized by Wall Street? This move is worth pondering.
Hedge fund mogul Ackman recently did something that sparked heated discussions—he reduced his position by 519,000 shares of Alphabet Class A stock in Q3, marking the largest move in his AI investment portfolio. However, Wall Street is not convinced: out of 66 analysts, none recommend selling, while 57 gave a "strong buy" or "buy" rating.
Data speaks: Alphabet Q3 revenue was $102.3 billion, a year-on-year increase of 16%; profit surged by 33% to approximately $35 billion. Gemini's daily active users

# Tokenization 101: Why Assets Are Going Digital
Tokenization converts real-world assets into blockchain-based digital units—basically turning your art, real estate, or voting rights into tradeable tokens.
**How it actually works:**
- Fungible tokens (like Bitcoin) are interchangeable—identical value, swap freely
- Non-fungible tokens (NFTs) are unique—each one represents different asset value
- Utility tokens unlock specific network access (fees, services)
- Governance tokens = voting power on blockchain projects
**Why people care:**
Normally buying real estate takes months and costs a fort

# Novo Nordisk's Price-Cutting Gambit: Can the Danish Giant Reclaim Its GLP-1 Crown?
Novo Nordisk just made a bold move—slashing GLP-1 drug prices by up to 30%. Here's what's really going on.
**The Squeeze**
Remember when Novo owned the weight-loss drug market? That was before Eli Lilly muscled in with Mounjaro/Zepbound and telehealth startups like Hims undercut prices through loopholes. The result? Novo's stock tanked two-thirds from its peak.
Now existing patients pay $349/month for Ozempic and Wegovy (down from $499), while first-timers get their first two doses for $199 each. Sounds despe

**Global stocks tanking, India might catch the cold too**
Indian markets riding high yesterday—Sensex and Nifty both up ~0.5% near record levels, thanks to foreign funds flowing back and Nvidia's monster earnings. But here's the plot twist: U.S. jobs data just got messy. September added only 119k jobs (way below the 50k forecast), and unemployment jumped to 4.4%—highest since 2021. Nasdaq down 2.2%, S&P 500 down 1.6%, so yeah, the "Nvidia rally" got murdered overnight.
Asia's bleeding this morning. Oil sliding on Russia-Ukraine easing. Dollar gaining on rate cut doubts—Fed now looking less lik

GE Aerospace is dropping $53M over three years to supercharge its North Carolina plant—adding 35,000+ sq ft and 40+ jobs. The West Jefferson facility churns out CFM LEAP engine components (blisks, turbines, spools), and this expansion is basically betting on narrowbody aircraft demand staying hot.
The state's chipping in $100K, plus local govt throwing in another $1M. GE's riding strong commercial engine demand + defense budget tailwinds, though supply chain headaches and cost pressures are keeping margins under pressure.
Zacks rates GE as Hold (#3), but the stock's up 26.3% in six months—crus