MMN Editor

The suspected gunman who opened fire at Old Dominion University (ODU) has been identified as a former Army National Guard soldier convicted of supporting ISIS.Multiple federal sources confirmed to Fox News that the suspected shooter at ODU is Mohamed Bailor Jalloh, 36.Jalloh is a naturalized U.S. citizen from Sierra Leone, Fox News has learned.In 2017, Jalloh, a former member of the Virginia National Guard, was sentenced to 11 years in prison plus five years supervised release for attempting to provide material support to ISIS, according to the Department of Justice.

For years, iPhone users have had to watch iPad owners do something their phones simply could not: run two apps at the same time. That changes this fall.Apple’s first foldable iPhone, set to debut in September 2026, will ship with a reimagined version of iOS that lets users open two apps side by side on the inner screen. It is the kind of feature iPhone loyalists have long asked for, and Apple is finally delivering it, just wrapped inside a $2,000-plus device most people will window-shop before buying.Bloomberg’s Mark Gurman broke the news Wednesday, March 11, reporting that Apple has been quietly building a new iPad-inspired interface specifically for the foldable’s large inner screen. Apple (AAPL) shares climbed 0.9% to $248 in premarket trading after the report.Apple iPhone Fold will bring side-by-side apps to iPhone for the first timeOpen the Apple iPhone Fold, and the experience shifts entirely. The inner 7.8-inch display lights up with an iPad-like layout, complete with left-edge sidebars in core apps like Mail, Notes, and Files. Two apps can run simultaneously in a clean 50/50 split.Apple is keeping the foldable on standard iOS rather than moving it to iPadOS, which means existing iPad apps will not work on it out of the box. The company is essentially building a third lane, somewhere between phone and tablet, with its own set of rules.Developers will get tools to adapt their iPhone apps for the wider layout, and 9to5Mac reports that Apple settled on a 4:3 aspect ratio for the inner screen after deciding that current foldables are too narrow and too creased. Apple believes it has solved both problems.What the new interface is expected to include:Side-by-side split view for two apps simultaneouslyLeft-edge sidebar navigation across core Apple apps such as Mail, Notes, and FilesPicture-in-picture video supportStage Manager Lite for up to three floating windows (optional)Dynamic Island carried over from the current iPhone lineupApple iPhone Fold hardware makes one surprising trade-offThe specs are largely what you would expect from a flagship Apple device in 2026. The A20 Pro chip, built on a 3nm process, handles the processing load, alongside dual rear cameras with a 48MP main sensor and a 12MP ultrawide. Both inner and outer displays run at 120Hz with ProMotion.More Tech Stocks:Morgan Stanley sets jaw-dropping Micron price target after eventNvidia’s China chip problem isn’t what most investors thinkQuantum Computing makes $110 million move nobody saw comingThe surprise is Face ID. It is gone. The foldable’s front panel is too thin to fit the sensor array, Bloomberg reports, so Apple is reverting to Touch ID built into the power button. It would be the first iPhone with a fingerprint sensor since the third-generation iPhone SE in 2022.The outer cover screen, around 5.5 inches, gets a hole-punch cutout for the front camera in place of the usual Dynamic Island pill. The inner screen is targeting a crease-free finish, one of the engineering challenges that reportedly delayed Apple’s foldable ambitions for years.Apple iPhone Fold: key hardware specs at a glanceInner display: 7.8-inch AMOLED, 4:3 ratio, 120Hz ProMotion, crease-freeCover display: 5.5-inch AMOLED with hole-punch cameraChip: A20 Pro, 3nm TSMCBiometrics: Touch ID in power button, no Face IDBattery: Dual-cell 5,000mAh, 40W charging, MagSafeWater resistance: IP68 targetColors: Titanium silver, space black, midnight blueApple is walking into a foldable market that is heating up fastApple is late to foldables, and everyone knows it. Samsung has been selling book-style foldables since 2019, and Google and Motorola are already on their second and third generations. But being late has never stopped Apple before, and the market it’s entering is growing quickly.IDC forecasts the global foldable market will grow 30% year over year in 2026, a sharp jump from just 6% the prior year. Apple is projected to capture more than 22% of global foldable unit share and around 34% of total market value in its first year, driven largely by its expected average selling price near $2,400.Samsung’s Galaxy Z Fold 7 is the main rival to beat, starting at $2,199 with an 8.1-inch inner display and three-app multitasking. Apple’s device will cost more and do less on paper, but it brings something Samsung cannot match: an ecosystem of over a billion users already invested in iCloud, the App Store, and Continuity features that tie iPhone to Mac and iPad.

Apple is projected to capture more than 22% of global foldable unit share in its first year.CFOTO/Future Publishing via Getty Images

Apple iPhone Fold price, launch date, and what investors are watchingThe device is expected to start between $2,000 and $2,500, with a rumored higher-tier model featuring a periscope zoom lens pushing closer to $2,799. Apple is likely to soften the sticker shock with trade-in credits of up to $800 for iPhone 15 Pro owners and a monthly option through the iPhone Upgrade Program.The launch window points to a September event reveal, preorders around Sept. 19, and shipping near Oct. 11. iOS 27, which powers the foldable, will be previewed at WWDC in June, though 9to5Mac notes the foldable-specific features will likely stay under wraps until the hardware is officially shown.Wall Street is watching closely. Piper Sandler and Morgan Stanley both rate AAPL overweight, with price targets of $290 and $285, respectively. Whether the foldable iPhone becomes a blockbuster or a niche product for early adopters is the central question, but for now, the market is betting Apple gets this right.Related: Apple stock quietly moves on a surprising Al hardware bet

TheStreet aims to feature only the best products and services. If you buy something via one of our links, we may earn a commission.Why we love this dealOne of the best things about the spring and summer is relaxing in the great outdoors, and with the right patio setup, you only need to step outside your own front door to unwind. Elevating your outdoor space with cozy patio furniture and a few personal touches can maximize a home’s square footage and make it more livable. Even if you only have a tiny apartment balcony or a cramped condo courtyard to work with, there are several compact patio furniture sets catered to these smaller layouts. Walmart’s bestselling Lofka 3-Piece Rocking Chair Bistro Patio Set is a popular choice for smaller outdoor spaces, and this week it’s 61% off with a Flash deal. Normally, this highly rated patio furniture with two rockers and a coffee table retails for $140, but the limited-time discount brings the price down to just $54. I search for the best furniture deals at the top retailers on a nearly daily basis, and any 3-piece outdoor furniture set with a durable build and stylish design is a steal at under $75. These savings take that typical price point even lower.Lofka 3-Piece Rocking Chair Bistro Patio Set, $54 (was $140) at Walmart

Courtesy of Walmart

Why do shoppers love it?Create the perfect spot to enjoy your favorite beverage on the front porch or back deck with this 3-piece patio set. The modern bistro set comes with two cushioned rocking chairs and a tempered glass coffee table. Each rocker is designed for comfort and features a curved and supportive backrest and convenient armrests. Plush cushions on the seats add even more coziness. The height of the table is 15.6 inches, putting it exactly where you’d want it for placing a cup of tea, refreshing lemonade, or some snacks. With only room for two, this patio set is well-suited to homes with limited outdoor space. It also works as an intimate conversational area if you have a spacious deck with an oversized dining table or sofa seating. Wherever you place the set, the durable rattan material will look great and withstand poor weather conditions. The chairs are also incredibly sturdy and built with a heavy-duty metal frame for further longevity. Related: Amazon is selling a patio furniture cover for just $28The majority of shoppers have great things to say about this outdoor set. Even more impressive, over 700 buyers have given the patio furniture a perfect rating, many highlighting its space-saving footprint, versatile design, and affordability. “Our front porch rocker set is cute and cozy,” raved one shopper. “They make a nice addition to our home.”Pros and cons of this patio set dealPros:An unbeatable price point: Outdoor furniture can be a big-ticket item, but this 3-piece patio set is on sale for just $55, which is an exceptional deal.It’s upgraded with rocking chairs: Unlike basic chairs, these rockers offer a soothing and gentle rock, which is a superior feature for many shoppers.A stylish and modern design: The dark metal, classic rattan materials, and thick gray cushions will look great on any porch and blend easily with existing patio decor.Cons:It probably won’t last as long as more expensive options: When buying the most affordable options, you’re not getting premium quality. One shopper, who called the patio set “really comfortable,” explained, “Will it last a decade? Probably not, but I’ll get several years of use out of it, and it’s an incredible value!”Assembly is required: Reviewers are mixed about the difficulty of assembling this furniture, so for those less handy, putting the chairs together may take some effort.There are limited color options: While this patio furniture comes in three other color combinations, only the black and gray set is on sale for the low price of $54. Shop more dealsLofka 3-Piece Outdoor Patio Bistro Set, $80 (was $116) at WalmartNoelse 3-Piece Patio Furniture Set, $90 (was $160) at WalmartTqkvipi 3-Piece Folding Patio Bistro Set, $96 (was $130) at WalmartUpgrade your outdoor space with the Lofka 3-Piece Rocking Chair Bistro Patio Set for just $54 at Walmart. Walmart’s Flash deals only run through the end of the week, so don’t wait and miss your chance to save.

You scheduled a routine MRI in January, months before you’ve touched your deductible. You handed over your insurance card. Then the bill arrived: $2,400, all applied to your deductible. You owe every dollar.Now imagine a different patient walking into a direct-pay imaging center down the street, asking for the cash price, and getting the same scan for $350. No claim filed, no surprise balance, no weeks of waiting for an explanation of benefits.That price gap is the reality of American health care pricing, a Johns Hopkins Bloomberg School of Public Health study reveals. And a growing number of patients, even those with insurance, are using it to their advantage.But before you hand over your credit card, there are real tradeoffs to understand. Cash pay can save you hundreds, and it can also backfire if you do it at the wrong time or for the wrong procedure.U.S. health care spending hit $5.3 trillion, and your bills are rising with itThe numbers behind American health care costs are staggering, and they explain why so many people are looking for alternatives.U.S. health care spending reached $5.3 trillion in 2024, according to the Centers for Medicare and Medicaid Services (CMS). That works out to roughly $15,474 per person, a figure that has climbed every single year for decades.More Health Care:If your Medicare plan was canceled, do this nowHealth care costs are the wild card in year-end tax planning22 million Americans hit by ACA health insurance cliff after vote failsHealth care spending now represents 18% of the entire U.S. economy, according to KFF, and is projected to reach more than 20% by 2033.The U.S. spends more than $3,700 per person more than the next most expensive wealthy nation, according to Peterson-KFF Health System Tracker data. And all that spending has not consistently translated into better health outcomes for Americans.Your out-of-pocket health care costs keep climbingEven with insurance, you are paying more than ever. The average annual deductible for employer-sponsored single coverage reached $1,886 in 2025, according to the KFF 2025 Employer Health Benefits Survey. That is a 43% increase over the past decade, per KFF. At smaller firms, the average deductible is even higher at $2,631.More than a third of covered workers now face a deductible of $2,000 or more, and that share has increased 77% over the past 10 years.Meanwhile, family premiums for employer-sponsored coverage reached an average of $26,993 in 2025. You are paying more for insurance that often covers less before you hit that deductible threshold.How cash-pay health care works, and why providers offer steep discountsCash pay does not mean showing up with a stack of hundred-dollar bills. It means paying the provider directly without routing the transaction through your insurance company. When you do this, something remarkable happens: The price often drops significantly.The reason is economics. Insurance billing is expensive and slow. A provider that files a claim today may wait 90 days or longer to get paid, and the administrative overhead of coding, submitting, appealing, and chasing reimbursement adds real cost to every transaction.When you pay cash up front, the provider gets immediate payment with minimal paperwork. Those savings get passed on to you.The health care discount ranges are realHospitals and clinics can offer self-pay discounts that skip the administrative fees tied to insurance processing, according to reporting from NBC News. Cash-pay pricing is most commonly available for diagnostic procedures like MRIs, CT scans, X-rays, and ultrasounds, as well as lab work, outpatient surgeries, and prescription drugs.Here is what those savings can look like in practice:MRI: $1,500 to $3,000 billed through insurance versus $300 to $500 at a direct-pay imaging centerX-ray: $228 through insurance versus $55 paying cash, based on real patient examples reported by KTVB NewsEchocardiogram: $766 through insurance versus approximately $400 paying cash, as noted by Consumer Reports and according to ClearHealthCostsBrain MRI: More than $9,000 billed through insurance versus $1,385 cash, per Consumer Reports, as documented by patient advocates at Greater National AdvocatesFederal law now requires hospitals to make their discounted cash prices publicly available online, thanks to the Hospital Price Transparency Rule. That means you can research these prices before you schedule anything.When paying cash makes the most financial senseCash pay is not a blanket strategy. It works best in specific situations, and understanding those conditions is the difference between saving hundreds and making a costly mistake.You have a high deductible and rarely hit itIf you are on a high-deductible health plan and do not expect to meet your deductible this year, cash pay can be a smart move. Every dollar you spend on insured visits before meeting that deductible comes straight out of your pocket anyway, often at the higher insurance-negotiated rate. Paying cash at a lower direct price saves you money on each visit.You need routine or elective proceduresDiagnostic imaging, lab work, dental cleanings, physical therapy sessions, and outpatient procedures are the sweet spot for cash-pay savings. These are predictable, scheduled, and non-emergency. You have time to shop around and compare prices.Prescription drugs can be cheaper off-insuranceThis one comes as a surprise to most people. For certain medications, using a discount card like GoodRx and paying cash at the pharmacy can cost less than your insurance copay. Generic drugs in particular can drop to a fraction of the insured price. It is worth checking before every refill.The risks you need to weigh before skipping insuranceCash pay has real drawbacks, and ignoring them can cost you more in the long run.Cash payments usually do not count toward your deductibleThis is arguably the biggest tradeoff. When you pay cash, that money typically does not count toward your annual deductible or out-of-pocket maximum. If you end up needing major care later in the year, a hospitalization or surgery, you will still have to meet your full deductible from scratch. The cash savings early in the year become wasted dollars.Emergency and catastrophic care still demands insuranceNo financial strategy replaces the protection of health insurance for serious, unexpected events. A single ER visit can cost tens of thousands of dollars. Cancer treatment, surgery, or a prolonged hospital stay can run into six figures. Insurance is not optional for those situations. As Michele Johnson, executive director of the Tennessee Justice Center, told NBC News, approaching health care without insurance is like playing Russian roulette with your finances.You may need to negotiate with every provider involvedGetting a cash price from your primary doctor is one thing. But a procedure may involve an anesthesiologist, a lab, a separate facility fee, and nursing staff, each with their own billing. You need to confirm the total cash price upfront and get it in writing, or you risk surprise charges from providers with which you did not directly negotiate.How to compare cash prices before your next medical appointmentShopping for health care prices used to be nearly impossible. That has changed significantly in the past few years, thanks in part to federal transparency regulations.Tools and steps to find the best cash priceHere is a practical checklist for comparing costs before your next procedure:Request a good-faith estimate: Under the No Surprises Act, which took effect in 2022, cash-pay patients are entitled to a written estimate of scheduled services before treatment. Ask for it.Use price comparison tools: Sites such as Healthcare Bluebook, Turquoise Health, and ClearHealthCosts publish cash prices, insurance-negotiated rates, and Medicare rates for common procedures.Check your insurer’s cost estimator first: Compare your insurance price (including your deductible share, copay, and coinsurance) with the cash price. Do the math on both options before committing.Call the billing office directly: Ask for the self-pay or uninsured rate. Some providers will offer this, even if you have insurance. Ask specific questions about when payment is due and whether payment plans are available.For prescriptions, check GoodRx: Compare your insurance copay with the discount cash price at different pharmacies. The cash option is frequently lower for generics.

Although paying cash for health care is a sound strategy in some cases, the protection of health insurance remains critical for serious, unexpected events.Shutterstock

Direct primary care offers a monthly flat-fee alternativeIf you are healthy and primarily need routine checkups and basic care, Direct Primary Care is worth considering. DPC is a membership-based model where you pay a flat monthly fee, typically between $50 and $150, directly to your primary care provider. That fee covers basic care like office visits, basic labs, and sometimes minor procedures, according to the American Academy of Family Physicians.DPC is not insurance. It does not cover hospitalizations, specialist care, or emergencies. But for routine health maintenance, it simplifies your costs and removes the insurance billing process entirely. Some patients pair a DPC membership with a low-cost catastrophic insurance plan to keep premiums down while still protecting against major events.Medical debt affects 36% of U.S. households, and even insured patients are vulnerableThe scale of medical debt in America is enormous, and it underscores exactly why cost-reduction strategies matter. In 2024, 36% of U.S. households reported having some form of medical debt, according to research published by the Consumer Financial Protection Bureau.An estimated 31 million Americans borrowed a combined $74 billion in a single year just to cover medical bills, according to a West Health-Gallup survey.Nearly 58% of Americans say they are concerned that a major health event could push them into debt. That fear is not limited to the uninsured. Most people with medical debt are employed and have some form of health coverage. The issue is that deductibles, copays, and coinsurance stack up, and many Americans simply do not have enough liquid savings to cover even a moderate medical event.KFF estimates that total medical debt in the United States reaches at least $220 billion, according to an analysis published by the Peterson-KFF Health System Tracker. Knowing where you can legally reduce your bills is not just a nice-to-have. For many households, it is a financial survival skill.“The U.S. often pays higher prices for the same drugs, hospital procedures, and physician care than other wealthy countries,” a Kaiser Family Foundation analysis indicates.A smarter approach to health care spending starts with asking one questionThe single most powerful thing you can do before any non-emergency medical visit is ask: What is the cash price? That one question opens a door that most patients do not even know exists.The goal is not to replace insurance. It is to use insurance strategically. Let it protect you from catastrophic costs, and use cash pay where it saves you money on routine and predictable care. Pair that with a Health Savings Account if you are on a qualifying high-deductible plan. HSA contributions are tax-deductible, grow tax-free, and withdrawals for eligible medical expenses carry no tax penalty. In 2025, you can contribute up to $4,300 individually or $8,550 for a family.Start now with these practical steps.Before every medical appointment, call the billing office and ask for the self-pay rate.Check GoodRx or similar tools before every prescription refill.Review itemized bills carefully. Up to 80% of medical bills may contain errors, according to health care billing analysts.Build an emergency health care fund separate from your regular savings.Never drop insurance entirely. The savings on routine care are not worth the risk of a six-figure emergency bill.Health care costs are not going down. Premiums are rising. Deductibles are climbing. And the gap between what you pay through insurance and what you could pay in cash is, in many cases, wide enough to save your household real money.The patients who come out ahead are the ones who treat their medical bills the way they treat any other major purchase: by comparing prices, asking hard questions, and refusing to accept the first number they see.Related: What to Do About Medical Debt

Transcript:Caroline WoodsIncome has been top of mind for investors lately, especially with market volatility rising and interest rates still relatively high. Joining me now for this week’s ETF spotlight is Adrian Holford, chief investment officer of multi-asset Strategies at Westwood. Adrian, thanks so much for being here at the desk.Adrian HelfertThank you for having me.Caroline WoodsAll right. So let’s start. Big picture. We’re talking income opportunities. Where are the best places to get those opportunities right now?Adrian HelfertAbundant. Some more attractive than others. When we look at income opportunities, we think about bonds. Things like corporate bonds where the the default compensation you get spread income is near historic lows. Still, even with the volatility we see now. So you start looking in other areas. And of course we get dividend yield from equities. And that return of capital is reasonably attractive.But the growth has certainly been in areas where it’s technological innovation. These are companies that are pumping capital back into their companies in order to generate new revenue opportunities, not delivering it directly as an income to shareholders. So when we look across that spectrum, how do you receive income? Well, one way is also covered. Calls. Covered calls for call are where I go out and sell a call on a company.I get premium income for that. I’m involved in the growth of the company, and that’s how I package up something that might be a growth company with income from premium income, and I participate in its upside. That, to me, is one of the more attractive areas of the market right.Caroline WoodsNow because for for for quite some time, although I guess some tech companies, for example, do pay a small dividend, it’s either you get the income or you get the growth. So this is a way to essentially get both.Adrian HelfertVery much so. And of course, you know, the narrative of the market over the last several years has been the extraordinary growth of these tech companies, in part because of AI, in part because of the picks and shovels of just building out infrastructure for that. So let’s take Broadcom for example. Broadcom pays a 80 basis point dividend yield kind of a smidgen.Not even as much as the S&P 500 on average. So an income based investor would not normally look at a stock like that. But if you’re able to package that up sell a 15% out of the money, call on Broadcom. You can generate a 13% dividend yield. Or I should say an income yield while holding something with a growth opportunity that participates in the growth of the market.Caroline WoodsSo you did package that up with your ETF. The enhanced Income Opportunity ETF, ticker symbol Y l d w. So you talked about how the the strategy works a bit. But tell us a bit more about the fund specifically.Adrian HelfertLike you asked about income opportunities and where they might lie. One of the great things as an income investor is being able to participate in other areas of the market when they become more attractive. Make no mistake, at some point this market is going to provide an extraordinary opportunity for areas like corporate bonds. When we see a default cycle come, when there are the opportunities that are overpriced or overcompensated for that income potential, and we can participate in that.So we have five different income buckets. And of those five different income buckets that include real estate investment trust and MLPs and common equity dividend yield plus covered calls plus high yield bonds. We can migrate to each of those to where the best opportunity lies. Now, when we do that, we are looking for, a target level of income that says we’re going to we’re going to prioritize this but not have that style bias.And there’s two things about income investors that are really important. Number one, your standard income is short volatility. You want volatility to drop. And that’s a benefit to yourself.Caroline WoodsWhich is not happening right now which.Adrian HelfertIs well.Caroline WoodsI guess it is from the 30 level but it’s still elevated.Adrian HelfertYes. And as we see that then of course, when you use the covered calls as an offset in that, that five pieces of the, of the stool that provide you with an opportunity, then to say, okay, well actually I want opportunity, I want volatility to rise. When volatility rises, I can reset a covered call. I can sell that call at a premium that’s higher than when volatility is lower.So it reduces the factory exposure in my fund. It increases my risk adjusted return. So for any of those looking at that opportunity that’s very important.Caroline WoodsBut obviously we know in the options market there’s always risk associated with it as well. So how do investors know when to lean into risk and when to kind of step back from it.Adrian HelfertGreat question. And when you’re looking at covered calls that oftentimes you see something that is based on the index. And when you’re based on the index, you’re leaning on just the very top level macro risk on or risk off. And so you’re relying on the signals that we get in the economy, the things that are happening over the course of previous times when we have a geopolitical risk rising or we have a narrative from artificial intelligence eroding moats, that’s your your standard up and down.When you’re able to take advantage of an active solution that says, this is the best company I talked about, Broadcom. They have an extraordinary opportunity of participating in growth significant upside. And at the same time there’s a lot of uncertainty about that. So you can clip a good coupon versus other companies. How do investors know they you need to be a good fundamental analyst, I believe, to capture the best opportunities.I know this is the company with the best supply line, the best contracts in place, and as well the best offer, the best uncertainty to take advantage of the income.Caroline WoodsYou’ve been using Broadcom as an example. But overall so far in 2026 tech has been very much out of favor. It’s definitely a change. We’ve seen this rotation into other obviously sectors like energy and industrials and materials and staples has done very well. Do you think that that’s a short term rotation or do you think that we should get used to growth not necessarily being in favor.Adrian HelfertGreat question. I think that it is a short term rotation. The picks and shovels of the build out is going to be technological innovation is here. Now we’re talking about capital appreciation of equity markets rising. The erosion that is happening is going to happen with certain areas of the tech market. We’re already seeing that with the so-called SAS Armageddon or the SAS apocalypse, the software names that maybe their moat is eroding because of the vibe coders that are creating a new product.The same thing is happening in the industrial space. The same thing is happening in areas of the financial space. That is a potential higher risk for these companies. That’s that’s two opportunities. Number one, that is well, if uncertainty is higher about their future and I have a good fundamental outcome, then as somebody that is invested, but fundamentally with taking advantage of the income from covered calls, that’s a great thing and great opportunity for me.Areas of the market will feel appreciation as a result of this extension out to, for instance, small caps and mid-caps that take advantage of margin expansion and rationalization. It needs to be a measure, of course. So we see a workforce that is still employed and not just the machines that are employed, but at the same time, we could see opportunities in the market.I believe we will. I believe technology is experiencing a change of the guard, if you will. But technology infrastructure is still extraordinarily attractive.Caroline WoodsOkay, so what’s the biggest mistake that you see investors making as they go about building an income portfolio?Adrian HelfertIt’s not. Well, the biggest mistake truly is not realizing that your exposure is being short volatility only. And as you do that, the biggest mistake is managing to a target risk exposure and being an income investor. Then what happens when volatility drops? You take more risk. What happens when volatility drops again? You take more risk because you’re targeting a risk exposure.That’s the biggest mistake is you need to have a fundamental value for what you’re invested in, whether that’s a corporate bond and what the default compensation you receive for that spread is. And so the probability that this company goes belly up, that’s, that’s an in the weeds kind of analysis that good investors do as opposed to simply targeting risk and targeting income.I get asked day in day out, well can you target an income. Can you target a risk for me and tell me what that’s going to mean? I can tell you an estimated and indicated, but the market changes. And if I simply targeted income, that’s where the world ends and tier then you end up in that possibility of, well, increasingly getting riskier and riskier as volatility drops until it doesn’t.Caroline WoodsAnd it kind of goes against the notion that income opportunities are that the safer place it does.Adrian HelfertAnd this is why, you know, when we say income opportunities, myself, I very much believe in tactical asset allocation. We see opportunities to move capital around the market when potential for capital appreciation income is better in one area versus the other. Suddenly we see that in low quality bonds versus high quality bonds. Right now, high quality bonds are trading at at levels that are, for the past 25 years, about the second percentile, meaning they’re very rich.And I’m looking for opportunities a little bit more in low quality bonds. You might think that that doesn’t make a lot of sense, but that’s the valuations that are there in the market now. So the opportunities that present. So when we look at that as an income investor. Number number one. Yes moving capital around the market makes a lot of sense.And number two, as I said, income investors are generally pushed into a style bias. It’s a value. Style bias is an early stage capital return. Forecast. We’ve coming out of this new paradigm. We talked about tech where capital return to investors is not as high, or the growth potential, the capital appreciation potential of the market is significant.You don’t want to miss out on while you want that income potential. That’s where we find other, other ways to take advantage of it.Caroline WoodsOkay, the ETF is Enhanced Income Opportunity ETF y LW thank you so much for joining us. Really appreciate.Adrian HelfertIt. Thank you for having me.Caroline WoodsAll right. That’s Adrian Helfert chief investment officer of Multi-Asset strategies at Westwood.

Vietnam is expected to be promoted to ‘emerging’ market from ‘frontier’ market. Here’s when you’ll need to act.

The turmoil currently sweeping through the $3 trillion private credit market has investors stampeding out of the funds.

“I think one thing to keep in mind is that currently markets don’t have a better, great option than U.S. Treasury debt,” Yale Budget Lab’s executive director Martha Gimbel told the Senate Finance Committee on Wednesday.

Lapotaire’s acting career began on the stage when she landed the role of Ruby Birtle in “When We Are Married” at the Bristol Old Vic in 1965.

Lapotaire’s acting career began on the stage when she landed the role of Ruby Birtle in “When We Are Married” at the Bristol Old Vic in 1965.