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Boris Babic is an associate professor of data science, philosophy and law at the University of Hong Kong. Brian Wong is an assistant professor of philosophy and a fellow at the Centre on Contemporary China and the World at the University of Hong Kong. Nikola Ilovski is pursuing a Master of Global Affairs and Policy at Yonsei University’s Graduate School of International Studies.
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Timestamps:
00:00 Passive Income sa 10,000 budget
00:25 Dividend Stocks
03:05 REITs
05:07 Global Income Funds
08:49 Pag-IBIG MP2
10:36 Time Deposit
12:29 Digital Banks
13:44 Maya Savings 10% p.a (as of this recording)
14:41 3 Dapat Gawin Bago Mag-invest
16:12 Investing Notes
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IPON TIPS:
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DISCLAIMER:
This video discusses mindset, habits, tools, and educational frameworks. It does NOT promise guaranteed results or income. Outcomes depend on personal effort, skills, context, and decision-making. For educational purposes only.
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Always do your own research and consult with a licensed professional before making financial decisions.
Artificial intelligence dominates today’s technology landscape, but quantum computing could redefine what is computationally possible in investment management. Genevieve Hayman, PhD, and Oswaldo Zapata, PhD, explore how quantum computing differs from AI, where it may deliver real advantages in portfolio optimization, risk modeling, and trading, and why investors should pay attention as financial institutions begin experimenting with this emerging technology.
Availability: Must live, work or worship in one of the chartered counties:
OR: Klamath, Lake, Harney, Malheur
CA: Modoc, Siskiyou
NV: Humboldt, Pershing, Lander, Eureka
Direct deposit required: Yes, $500+
Additional requirements: None
Hard/soft pull: Unknown
ChexSystems: Unknown
Credit card funding: Unknown
Monthly fees: None
Early account termination fee:
Household limit:
Expiration date: 11/30/2026
The Offer
Direct link to offer
Sage Credit Union is offering a bonus of $250 when you open a checking account and complete the following requirements:
Receive a direct deposit of $500+
The Fine Print
New Checking Account Bonus: Offer begins 9/1/26. To earn the bonus, you must (1) open a new Sage Federal Credit Union (Sage CU) Simple Checking, Rewards Checking, Compass Checking, or Pathfinder Checking account by 11/30/2026 (2) receive a Direct Deposit of at least $500 within the first 90 days of account opening.
Offer limited to those who are not primary owners of a Sage CU Simple Checking, Rewards Checking, Compass Checking or Pathfinder Checking on 08/31/26.
The bonus funds will be deposited to your new checking account at the month end after the new checking account has been open for 90 days if all requirements are met as described above and your account is open and in good standing as defined by the Membership Agreement at the time of the bonus deposit.
Limit one New Checking Account Bonus per member.
Sage CU reserves the right to cancel or amend the terms of the New Checking Account Bonus at any time and without prior notice.
Bonuses are considered dividends and will be reported on IRS form 1099-INT. Recipients are responsible for any federal, state, or local taxes.
All bank account bonuses are treated as income/interest and as such you have to pay taxes on them
Avoiding Fees
Monthly Fees
None of the accounts have monthly fees
Early Account Termination Fee
Wasn’t able to find any EATF so unsure if there is any EATF.
Our Verdict
Rewards checking account also earns 7% APY on balances up to $10,000 and requires the following:
(a) Your Credit Union loans, if any, cannot be more than 14 days past due; and
(b) at least 15 point of sale transactions using Your VISA Debit Card must post and settle to Your Account as evidenced by Your monthly statement; and
(c) You must consent to receive Your periodic statements electronically; and
(d) You must have a minimum $5.00 balance in Your membership savings account
Seems relatively easy to meet those requirements if you can manufacture the debit card transactions. Bonus itself looks worth doing as well if its a hard/soft pull. If anybody goes for it then please share your experiences in the comments below.
According to Yahoo! Finance, the consensus price target from analysts for Viking Therapeutics(VKTX +2.62%) is about $92, which indicates potential upside of 162% from its current stock price. It’s a significant opportunity, but is it justified? Here’s the lowdown from the skeptics’ perspective.
Viking Therapeutics’ prospects
The investment case for the stock rests on its lead drug candidate, VK2735, a dual GLP-1 and GIP agonist in development for obesity and type 2 diabetes. The two key advantages VK2735 may have over its rivals are a steeper rate of weight loss and the promise of a dual-formulation therapy (oral and subcutaneous). The combination of these two advantages would mean that patients could achieve significant weight loss with a subcutaneous (injectable) dose, followed by a more convenient oral maintenance dose.
Today’s Change
(2.62%) $0.89
Current Price
$34.87
Key Data Points
Market Cap
$4.1BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Day’s Range
$33.56 – $34.95
52wk Range
$22.96 – $43.15
Volume
1.4M
Avg Vol
2.2M
These properties mean VK2735 could win market share in a crowded field, and investors are looking forward to the results of its phase 3 trials of VK2735 in subcutaneous formulation (likely in the second half of 2027) and VK2735 in oral formulation (set to commence later this year with results likely in 2028/2029). In addition, investors are awaiting the imminent results of a small (180 adults) phase 1 maintenance trial designed to evaluate dosing regimens.
The skeptics’ case for Viking Therapeutics
As with clinical-stage biopharmaceutical companies, there are two key considerations for investors to ponder, both of which pose risks for Viking Therapeutics. The first is competition from rival drugmakers and its possible impact on the market potential of Viking’s pharmaceuticals. The second is Viking’s success in its clinical trials, as that will also determine the value of its pipeline.
The obesity and type 2 diabetes treatment market is highly competitive, with drugs already within VK2735’s class of drugs, including oral formulations. Moreover, much larger peers like Eli Lilly(LLY -0.88%), Novo Nordisk(NVO -1.92%), and Amgen are already developing next-generation or differentiated treatments.
Image source: Getty Images.
Focusing on the more lucrative obesity market, the list of already approved drugs includes Eli Lilly’s Zepbound (tirzepatide), which has the same mechanism as VK2735, and an oral tablet, Foundayo (orforglipron). Novo Nordisk has semaglutide approved as an injectable (Wegovy) for obesity and as an oral tablet (Rybelsus) for diabetes, with additional oral formulations for obesity in development.
Looking ahead, Eli Lilly plans to file for FDA approval of its GLP-1, GIP, and glucagon agonist, retatrutide, in early 2027, following several successful phase 3 trials. Novo Nordisk has CagriSema (which combines semaglutide and another drug) and an experimental drug, Amycretin, in phase 3 trials.
This is a highly competitive market, and it could be even more competitive by the time Viking completes its phase 3 trials for VK2735.
Clinical trial data
There is no end to reasons for trial failures. In the case of VK2735, it could come down to the safety and tolerability of the drug in oral form.
Image source: Getty Images.
The stock crashed last summer after phase 2 results for VK2735 (oral) revealed a 20% discontinuation rate due to adverse events in the treated group. Oral formulations always have to answer the questions around potential gastrointestinal issues.
Any issue with the tolerability of VK2735 (oral) will threaten not only the market potential of the oral formulation itself but also its use as a maintenance dose in Viking’s dual-formulation approach.
Where next for Viking Therapeutics
There’s no doubt the company faces significant competitive and clinical trial risks, and investors are hoping Viking calibrates any titration issues with the oral formulation in the phase 3 trial. In the near term, the results from the phase 1 maintenance trial will provide indicative data on the potential dual-formulation strategy. A successful result may cause some skeptics to reconsider their position.
Welcome to Music Business Worldwide’s Weekly Round-up – where we make sure you caught the five biggest stories to hit our headlines over the past seven days. MBW’s Round-up is exclusively supported by BMI, a global leader in performing rights management, dedicated to supporting songwriters, composers and publishers and championing the value of music.
This week, BMG and Concord completed their long-awaited merger, creating a combined music company with Bob Valentine confirmed as CEO.
Meanwhile, the Trump administration sided with OpenAI in a key fair use case, arguing that AI companies can use copyrighted works to train their models — a position with potentially significant implications for the music industry’s legal battles with AI companies.
Elsewhere, Sony Music Publishing and Warner Chappell Music sued Anthropic in a multi-billion-dollar copyright lawsuit, accusing the AI company of illegally using copyrighted songs to train its Claude models.
Also this week, Jason Isbell, David Lowery and other musicians filed a class-action lawsuit against Suno, alleging the AI music company is unlawfully exploiting artists’ identities and likenesses.
Plus: Canada’s SOCAN sued AI music company Suno for copyright infringement, alleging that the platform has generated outputs that are identical or substantially similar to songs in its repertoire, including Joni Mitchell’s “Both Sides Now” and Avril Lavigne’s “Sk8er Boi.”
Here are some of the biggest headlines from the past few days…
1. The BMG and Concord merger is complete; Bob Valentine begins role as CEO of new company
BMG and Concord have on Tuesday (September 1) confirmed the successful completion of their merger.
The combined companies say the deal will “create a new global music company with the scale, expertise, and capabilities to unlock greater opportunities for creators.”
The transaction, first announced on April 28, 2026, has received “all required regulatory approvals”, according to a press release. The company’s global headquarters will be located in Nashville, with Berlin serving as its European headquarters. (MBW)
2. Donald Trump’s administration just sided with OpenAI in a key ‘fair use’ case. Here’s what it means for music’s fight with Anthropic and Suno.
The US Government has told a court that AI companies do not break copyright law when they train their models on written work without a license.
The Department of Justice set out that position on Tuesday (September 1), in a filing in the copyright lawsuit brought against OpenAI by The New York Times.
It appears to be the first time Washington has intervened in any of the copyright cases now stacked up against AI companies. (MBW)
3. Now Sony Music Publishing and Warner Chappell sue Anthropic in multi-billion dollar lawsuit: ‘One of the largest and most blatant ongoing thefts of intellectual property in history.’
Sony Music Publishing and Warner Chappell Music have joined forces to sue Anthropic, home of Claude, over what the publishers call “one of the largest and most blatant ongoing thefts of intellectual property in history.”
The complaint – obtained by MBW, and which you can read in full here – also names Anthropic Co-Founder and Chief Executive Officer Dario Amodei and Co-Founder Benjamin Mann as individual defendants.
It was filed on Friday (August 28) in the US District Court for the Northern District of California. (MBW)
4. Jason Isbell and David Lowery are suing Suno in a class action suit. Importantly, they’re hitting Mikey Shulman’s company with identity claims – not copyright.
Jason Isbell is suing AI music company Suno over the alleged commercial use of his identity.
The six-time Grammy winner filed a proposed class action on Monday (August 31) in Boston federal court, alongside Cracker and Camper Van Beethoven frontman David Lowery, Texas blues musician Guy Forsyth, and Florida saxophonist Eduardo Calle.
Interestingly, the 84-page lawsuit contains no copyright claim. (MBW)
5. Now Canada’s SOCAN sues Suno, claiming it illegally copied hits like ‘Both Sides Now’ and ‘Sk8er Boi’
Canada’s SOCAN has sued Suno for copyright infringement.
The collecting society filed its statement of claim in the Federal Court of Canada on Wednesday (September 2).
SOCAN is the third collecting society to take Suno to court, and the first to file since one of them won. (MBW)
Partner message: MBW’s Weekly Round-up is supported by BMI, the global leader in performing rights management, dedicated to supporting songwriters, composers and publishers and championing the value of music. Find out more about BMIhere. Music Business Worldwide
Trump’s War in Iran has sparked global fears about the economy. If the Strait of Hormuz were to remain closed, and Dubai, Saudi Arabia, UAE and the other Gulf states continue to come under attack, global oil prices could surge.
Why has Trump launched this attack on Iran now?
Everything comes back to the US Petrodollar system. Oil is at the root of everything. It’s been the basis of our global economy since the Second World War.
But what actually is the Petrodollar system? How does it work? Why was it put in place? What’s the future of the Petrodollar?
In this video, we dive into the topic. Keeping the Petrodollar afloat explains all the US foreign policy, and all geopolitics, for more than 70 years. Everything from the first Gulf War, to the War in Iraq, to Russia’s invasion of Ukraine, to the current War with Iran.
00:00 – Introduction
00:30 – Why Is Oil So Important?
01:17 – How the US Dollar Controlled Global Economy
01:53 – Gold Standard and The Nixon Shock
02:44 – Global Reserve Currency
03:20 – Petrodollar Agreement with the Saudis
04:00 – How the Petrodollar System Works
05:00 – Petrodollar Recycling
05:43 – Future of the Petrodollar
06:06 – Why Hostile Countries Trade In Dollars
06:50 – China and Russia
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