and welcome back to Worldwide Exchange. Blockchain technologies already disrupted the financial services and other industries out there, offering ways to tokenize assets and speed up transactions. The real estate market is also dipping its toes into the blockchain pool.It started in residential, but it's now quickly moving into commercial. Our Diana Olick joins us now with much more in this week's property play. Diana, good morning. >> Good morning, Frank.Yeah, earlier this year, Fanny May and Freddy Mack w ...

Core Insights - Investing in ETFs, particularly those from Vanguard, is highlighted as a simple method for generating lasting passive income [1] Group 1: Vanguard High Dividend Yield ETF - The Vanguard High Dividend Yield ETF (VYM) tracks a diversified index of high-yielding dividend stocks, currently offering a dividend yield of 2.5%, which is more than double that of the S&P 500 at 1.2% [2] - The ETF holds over 560 stocks, including top dividend-paying companies like ExxonMobil, which has a yield of 3.5% and has increased its dividend for 42 consecutive years [3] - The focus on higher-yielding dividend stocks positions this fund to provide above-average and steadily rising dividend income in the future [4] Group 2: Vanguard Real Estate ETF - The Vanguard Real Estate ETF (VNQ) invests in REITs and other real estate companies, currently yielding over 3.5% [5] - It holds over 150 REITs, with Prologis as a top holding, yielding 3.3% and increasing its payout by 13% annually over the past five years, outpacing the S&P 500's 5% growth rate [6] - Investing in REITs through this fund offers a straightforward way to generate passive income from real estate [7] Group 3: Vanguard Total Bond Market ETF - The Vanguard Total Bond Market ETF (BND) provides broad exposure to the U.S. dollar-denominated bond market, with a current yield of 4.1% [8][10] - The fund holds over 11,400 investment-grade bonds, with more than 69% backed by the U.S. government, which helps lower the risk profile [9] - The income yield from this fund will fluctuate with interest rate changes, but it is expected to provide a steady stream of interest income over the long term [10] Group 4: Overall Investment Strategy - The combination of VYM, VNQ, and BND offers a diversified approach to generating passive income, with each fund contributing from different asset classes [11]

Group 1 - Zillow is expected to announce news next week, currently positioned at the midpoint of its 52-week range, with a suggestion to sell strangles due to expensive options [1] - Japanese banks, specifically Mitsubishi UFJ Financial Group (MUFG), are viewed positively, with a long position recommended [1] Group 2 - Discussion around Adobe suggests it may not be a good buying opportunity, indicating caution in the software sector [2] - Salesforce (CRM) is mentioned, but no specific investment recommendation is provided [2]

Core Insights - Several companies have experienced significant stock price declines, reflecting both internal developments and broader market trends [6] Company Summaries - **MingZhu Logistics Holdings Limited (NASDAQ:YGMZ)**: Stock price dropped by 76.22% to $0.21; pursuing a strategic partnership with ENEXTREND.VN COMPANY LIMITED to enhance logistics and supply chain efficiencies in Vietnam and the U.S., with a two-year agreement starting July 7, 2025, pending due diligence and board approval [1][7] - **Adaptimmune Therapeutics plc (NASDAQ:ADAP)**: Stock price fell by 67.32% to $0.06; despite a 150% increase in Q2 2025 Tecelra sales reaching $11.1 million, the company has entered a definitive agreement to sell its cell therapies for $55 million upfront, with potential milestone payments of up to $30 million [2][7] - **United Homes Group, Inc. (NASDAQ:UHG)**: Stock price decreased by 50.71% to $2.09; set to release Q3 2025 financial results on November 6, 2025, with a conference call scheduled for the same day to discuss performance [3][7] - **The GrowHub Limited (NASDAQ:TGHL)**: Stock price dropped by 37.30% to $0.89; signed a Memorandum of Understanding with the Government of the Republic of Srpska to pursue Environmental, Social, and Governance initiatives, including blockchain technology for product traceability [4][7] - **Tianci International, Inc. (NASDAQ:CIIT)**: Stock price fell by 35.10% to $0.57; entered a Memorandum of Understanding with BTC Digital Ltd. to expand logistics services, particularly in ocean freight forwarding [5][7]

Blackstone has completed its second debt sale of 2025 linked to UK warehouses, according to a person familiar with the transaction, as it capitalizes on relentless demand for online shopping logistics https://t.co/8F3PWCt9BL ...

Core Insights - AppFolio announced the winners of the 2025 FUTUREist Awards, recognizing customers who are making significant contributions to their communities through leadership and commitment to equitable housing [1][2] - The awards program reflects AppFolio's belief that successful businesses contribute to thriving communities, with a total donation of $75,000 to the charities chosen by the award recipients [2][3] Community FUTUREist - Fairlawn is recognized for its investment in creativity and public art, enhancing community life through diverse murals and cultural partnerships, particularly in Champaign-Urbana [5] - Runners-up in this category include RentRight and DLP Capital [5] Housing FUTUREist - Atlas Real Estate has dedicated over 1,500 volunteer hours in 2025 and expanded its Atlas Uplift Program, assisting over 200 residents towards homeownership through coaching and financial support [5] - The company also engaged in sustainability initiatives, educational workshops, youth mentorships, and donation drives to empower communities [5] - Runners-up are GSF Properties and The Stonekey Group [5] Leadership FUTUREist - Enclave Companies focuses on developing future leaders through initiatives like the Ignite Leadership Development Program and Elevate Annual Summit, fostering leadership at all organizational levels [5] - Runners-up in this category include Evernest and Prosper Communities [5]

Core Insights - A diversified stock portfolio is crucial for financial stability in retirement, alongside maintaining cash reserves for liquidity [1][6] - Relying solely on one income source, such as a 401(k) or Social Security, poses significant risks, necessitating additional income streams for a secure retirement [3][4] - Smart withdrawal strategies and asset diversification are essential for managing expenses and maintaining lifestyle during market fluctuations [7][8] Asset Types and Strategies - Mixing various asset types, including high-yield savings accounts, money market funds, and short-term investments, can provide flexibility and liquidity [1][2] - Retirees are encouraged to consider part-time jobs or side hustles to supplement income, which can ease the transition into retirement and provide social engagement [9][11] - Real estate investments, such as rental properties or REITs, can offer higher yields and potential appreciation, but come with management challenges and risks [12][13][14] Financial Planning - Categorizing expenditures based on priorities helps in creating sustainable withdrawal rates, focusing on essentials over luxuries [7][8] - The current high-interest rate environment presents an opportunity for retirees to take advantage of better yields while maintaining cash reserves for unexpected expenses [6] - A creative approach to income generation, including side hustles and real estate investments, is necessary for building a reliable financial safety net in retirement [15]

Vietnam’s government inspectorate has asked police to probe real estate giant Novaland for possible misuse of bond proceeds https://t.co/4EMU4nuzZV ...

Core Insights - The real estate market in September showed relative stability, with steady transaction volumes in the secondary market and ongoing structural differentiation in the new housing market [1] - Positive signals emerged as the year-on-year decline in housing prices narrowed, indicating that the effects of previous policies are gradually permeating the market, alleviating long-term downward pressure [1] Market Performance - In September, 64.1% of online house-hunting users on the Anjuke platform were looking for second-hand homes, marking a 1.6 percentage point increase from the previous month and reaching the highest level since April [1] - The average listing duration for second-hand homes in 100 cities increased to 95 days, with third and fourth-tier cities experiencing an even longer duration of 99 days, indicating greater difficulty in inventory digestion in smaller cities [1] New Housing Market - The new housing market performed relatively well, with new home prices in Beijing and Shanghai increasing by 0.2% and 0.3% month-on-month, respectively, and Shanghai achieving a significant year-on-year growth of 5.6% [1] - Key support for this growth came from the introduction of quality improvement housing in core areas and the relaxation of purchase restrictions in peripheral areas [1] Policy Impact - The relaxation of policies in August and September directly stimulated demand, supporting both new home prices and transaction volumes in the secondary market [1] - Expectations for stable housing prices and continued policy easing are anticipated to bolster transaction volumes in core cities in the fourth quarter, while non-core areas and many smaller cities will still need to rely on "price for volume" strategies to reduce inventory [2]

Core Insights - The UK real estate market is experiencing an unexpected slowdown during the traditionally active autumn season, primarily due to concerns over potential property tax increases in the upcoming budget announcement by Chancellor Rachel Reeves [1][2]. Group 1: Market Activity - Data from Rightmove indicates that both buyer and seller activity in September decreased by 5% year-on-year, with the anticipated seasonal boost post-summer failing to materialize [2]. - The average house price in October rose by only 0.3% to £371,422, significantly lower than the 1.1% average increase seen in the same period over the past decade [2]. Group 2: Tax Concerns - Speculation regarding potential tax hikes on high-value properties is causing many prospective movers, particularly homeowners in southern England, to adopt a wait-and-see approach until the budget is clarified [2]. - The Treasury is reportedly considering various tax proposals targeting high-value properties, including a new tax on homes priced over £500,000 and the removal of capital gains tax exemptions for first homes valued over £1.5 million [2]. Group 3: Market Dynamics - Despite a resilient market characterized by stable mortgage rates and lower property prices supporting transaction volumes, demand has weakened for the second consecutive year as budget speculation continues to create uncertainty [2]. - The Treasury has stated its commitment to increasing the construction of new homes by simplifying planning permissions and leveraging AI to expedite the process [2].