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Updated second year Q&A:
Answering all your questions about my degree: BA Business Management!
TIMESTAMPS:
0:00 intro
1:13 what is Business Management? How is it different from other business degrees?
2:22 why did I choose Business Management?
3:50 entry requirements – do you need specific A levels or GCSEs?
5:18 modules and course structure
8:05 my favourite and least favourite modules
9:24 how much maths is involved?
10:29 contact hours and teaching styles
11:53 MY NEW BLOG!!
13:03 is it difficult?
13:47 what’s the workload like?
14:46 what are the assignments like?
15:57 am I doing a placement or study abroad year?
16:47 my career plans after graduation and career opportunities from Business Management
17:50 outro
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How old are you? – 18 (my birthday is the 26th April!)
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Grubhub is celebrating the FIFA World Cup by offering several freebies, BOGOs, fan‑favorite deals, and $0 delivery and service fees on restaurant orders over $50. The promotion runs for three weeks, with over 10 separate deals.
High-yield savings account rates have held steady, with some banks even increasing their rates, to start June.
As of June 8, 2026, some online banks are still offering interest rates up to 5.00% APY, but these top APYs are usually limited by deposit size. This is still much better than the average of 0.38% APY, according to the FDIC.
Banks and credit unions are constantly adjusting their annual percentage yields (APYs) as markets react to Federal Reserve policy and inflation data, so staying up to date can make a real difference. Here’s where the best savings rates stand today — and what you should know before moving your money.
💰 Today’s Best Savings Rates At a Glance
Here are the best bank and credit union savings accounts rates today:
Bank or Credit Union
Top APY
Balance Requirement
Varo
5.00%
On the first $5,000
Consumers Credit Union
5.00%
On the first $10,000
Pibank
4.40%
$0
Everbank
4.10%
$0.01
CIT Bank
4.10%
$2,500
1. Varo – Varo is a bank that offers up to 5.00% APY on the first $5,000 with qualifying direct deposits. Read our full Varo review.
2. Consumers Credit Union – CCU offers up to 5.00% APY on your checking account for the first $10,000. The requirements to earn are tiered. Read our full Consumers Credit Union Review.
3. PiBank – PiBank is the online brand of Intercredit Bank, N.A and offers 4.40% APY with no monthly maintenance fees and no minimum balance requirements. However, lots of consumers complain about only being allow to withdraw via wire transfer. Read our full Pibank review.
4. Everbank – Everbank offers a boosted rate of 4.10% guaranteed for 90 days in partnership with Raisin. Plus, they’re currently offering a cash bonus of up to $1,200 for new deposits. Read our full Everbank review.
5. CIT Bank – CIT Platinum Savings a two-tiered savings account.
Open an account with promo code CITBoost and you’ll earn 4.10% APY* on balances of $5,000 or more for the first six months* — that’s 10x the national average savings rate.
After 6 months, you’ll return to the regular rate of 3.75% APY* with a $5,000 minimum balance. Otherwise you’ll earn 0.25% APY. See website for full details. Read our full CIT Bank review.
You can find a full list of the best high yield savings accounts here >>
How High Yield Savings Accounts Work And Why Rates Matter?
High-yield savings accounts function just like traditional savings accounts, but they pay a much higher annual percentage yield (APY) — often 10 to 15 times more. You can see how these rates compare to the savings rates at the 10 largest banks in America – and these rates put them to shame.
“We’re seeing banks become increasingly competitive on both APY and bonus offers to start June.” – Robert Farrington
The banks and credit unions on this list typically always have above-average rates, so even if the Federal Reserve lowers rates and these accounts lower their rates, you’ll still be head.
For example, a $10,000 balance earning 4.00% APY will generate about $400 in interest per year, compared with less than $20 at a big-bank rate of 0.20%. That gap makes it worth tracking rate changes regularly and switching institutions if your current bank stops staying competitive.
However, we expect more rates to dip below that 4.00% level in the coming weeks.
What To Know Before Opening An Account
Before opening a new account, review the key details that determine how much you’ll earn — and how easily you can access your funds.
Watch For Intro Or Promo Rates: APYs can rise or fall at any time. But a strong introductory rate doesn’t guarantee long-term performance. None of the rates listed here are introductory, but some referral codes may only be temporary rates.
Transfer Limits: Federal rules no longer cap savings withdrawals at six per month, but many banks still impose limits.
Safety: Confirm that the institution is FDIC- or NCUA-insured, which protects up to $250,000 per depositor, per bank or credit union.
Access: Many top-yield accounts are online-only. Make sure you can deposit via mobile app and link external accounts for easy transfers.
These details help you separate truly high-performing savings options from accounts that look appealing but may include hidden limitations or slower rate adjustments.
How We Track And Verify Rates
At The College Investor, our goal is to help you make smart, confident decisions about your money. To create this list, our editorial team reviews savings account rates daily across more than 50 banks, credit unions, and fintechs. We verify data using each institution’s official website, rate disclosures, and regulatory filings.
Only accounts available to U.S. consumers and insured by the FDIC or NCUA are included.
Our coverage is independent and editorially driven – we never rank accounts based on compensation. While we may earn a referral fee when you open an account through certain links, this does not influence our recommendations or reviews. Our opinions are our own, based on a consistent evaluation of usability, fees, yields, and customer experience.
FAQs
How often do savings account rates change?
Banks can adjust rates daily or weekly based on market conditions.
Are online banks safe?
Yes — as long as they’re FDIC-insured. Verify coverage on the FDIC’s BankFind site.
Is interest on savings accounts taxable?
Yes. You’ll receive a 1099-INT if you earn $10 or more in interest.
Should I move my money if rates drop?
It depends on the difference in APY and your transfer limits, and frequent rate chasing can reduce returns if transfers take time.
Disclosures
CIT Bank For complete list of account details and fees, see our Personal Account disclosures.
* Platinum Savings is a tiered interest rate account. Interest is paid on the entire account balance based on the interest rate and APY in effect that day for the balance tier associated with the end-of-day account balance. APYs — Annual Percentage Yields are accurate as of January 9, 2026: 0.25% APY on balances of $0.01 to $4,999.99; 3.75% APY on balances of $5,000.00 or more. Interest Rates for the Platinum Savings account are variable and may change at any time without notice. The minimum to open a Platinum Savings account is $100.
* Platinum Savings APY Boost Promotion Terms and Conditions
This is a limited time offer available to New and Existing customers who meet the Platinum Savings APY Boost promotion criteria.
Accounts enrolled in the Platinum Savings Annual Percentage Yield (APY) Boost promotion will receive a 0.35% APY boost on the Platinum Savings current standard APY tiers for 6 months following the opening of a new account or when an existing Platinum Savings account is enrolled in the promotion. The Platinum Savings APY boost will be applied on account balances up to $9,999,999.00. Account balances above $9,999,999.00 will earn the standard APY. If the standard-published APY should change during the promotion period, the APY boost will move with it, offering an account APY above the standard rate.
The Promotion begins on February 13, 2026, and ends June 30, 2026. Customers enrolled in the promotion prior to the end date will receive the APY boost for the 6-month period outlined in the terms and conditions.
The promotion can end at any time without notice.
Editor: Colin Graves
Reviewed by: Richelle Hawley
The post Best High-Yield Savings Rates for June 8, 2026: Up to 5% appeared first on The College Investor.
Universal Music Greater China (UMGC), a division of Universal Music Group, has acquired the recorded rights to the Carrier Creative catalog of 1980s and 1990s Mandopop.
The catalog includes recordings by the group Little Tigers and singer-songwriter Johnny Chiang, along with acts including Nicky Wu, Alec Su, You Huan Pai Dui, Hong Hai Er, and Girl Group.
The deal was announced on Monday (June 8) at UMGC’s inaugural China Summit in Beijing.
The acquisition follows a partnership launched in 2025 between UMGC and Taiwan-based music companySkyhigh Entertainment, which previously managed the catalog.
That collaboration led to the restoration, remastering, and global streaming relaunch of more than 600 recordings and 66 albums, including 24 releases from Little Tigers and Johnny Chiang, according to UMGC.
According to the announcement, the repertoire is “widely regarded as one of the foundational catalogs of the modern Chinese era”, and “helped define the first golden age of Chinese-language youth pop culture, and shaped the emotional memory of multiple generations across the Chinese-speaking world”.
It is the first catalog acquisition by UMGC in the region, the company said.
“We are deeply grateful to Shirley Miao for her trust in placing this extraordinary catalog with Universal Music, and we will honor that trust by preserving its legacy while creating new possibilities for these works in the years ahead.”
Timothy Xu, Universal Music Greater China
Timothy Xu, Chairman & Chief Executive Officer, Universal Music Greater China, said: “The Little Tigers, Johnny Chiang and the broader Carrier Creative catalog represent one of the most important chapters in the history of Chinese-language popular music. These songs helped shape the sound, identity and collective memory of an entire generation.
“We are deeply grateful to Shirley Miao for her trust in placing this extraordinary catalog with Universal Music, and we will honor that trust by preserving its legacy while creating new possibilities for these works in the years ahead.”
UMGC’s inaugural China Summit took place after China overtook Germany to become the world’s fourth-largest recorded music market in 2025, according to the IFPI.
China’s recorded music revenues grew 20.1%YoYlast year, the fastest rate among the world’s 20 largest markets.
“The landmark acquisition of the Carrier Creative catalog demonstrates our ongoing commitment to preserving China’s important musical heritage, and with Jason Zhang joining our global artist roster UMGC is firmly at the forefront of Chinese pop music.”
Adam Granite, UMG
Under Chairman & Chief Executive Officer TimothyXu, UMGC has signed a series of deals with Chinese artists.
They include an exclusive global agreement with Liu Huan, known domestically as the “King of Chinese Pop,” covering recording and publishing rights, and, most recently, a deal with Chinese singer, songwriter, and producer JasonZhang.
The Carrier Creative deal also follows Xu‘s comments to MBW in a recent interview on the company’s appetite for dealmaking in the market.
“M&A is a very important strategy for Universal Music in China,” Xu told MBW.
“I believe Tim and the UMGC team will continue to care for these works with the passion, respect, and long-term commitment they deserve.”
Shirley Miao, Carrier Creative
Shirley Miao, Founder of Carrier Creative, said: “These songs have been my life’s work. For nearly forty years, I have devoted myself to caring for this catalog and carrying it through different eras. There is a great deal of emotion in finally passing it on.”
Added Miao: What matters most to me is knowing they are now in the hands of people and a company I truly trust. I believe Tim and the UMGC team will continue to care for these works with the passion, respect, and long-term commitment they deserve.”
“Our work with Universal Music began with a shared goal: to bring these classics back to listeners in the best possible way. Through careful restoration, remastering and global streaming relaunch, we were able to preserve the warmth and character of the original recordings while suited to today’s digital platforms.”
Mark Liu, Skyhigh Entertainment
Mark Liu, Chief Executive Officer, Skyhigh Entertainment, said: “Our work with Universal Music began with a shared goal: to bring these classics back to listeners in the best possible way. Through careful restoration, remastering and global streaming relaunch, we were able to preserve the warmth and character of the original recordings while suited to today’s digital platforms.”
“Congratulations to Universal Music, Skyhigh Entertainment, and Carrier Creative on this partnership.”
Nicky Wu, Little Tigers
Nicky Wu (吴奇隆), member of Little Tigers, said: “Congratulations to Universal Music, Skyhigh Entertainment, and Carrier Creative on this partnership. I believe Universal Music will carefully preserve the youth and memories we all shared together, while helping these classic songs from Chinese pop music continue to reach more audiences and travel even further for years to come.”
Johnny Chiang (姜育恒), Mandopop singer-songwriter, said: “Looking back on those years, every melody created during the Carrier Creative era remains a precious treasure of its time. I’m very happy to see these timeless classics become part of UMG’s catalog legacy, and I hope they will continue to move new generations of listeners for many years ahead.”
Adam Granite, CEO of Universal Music Group AMEA, said: “UMGC’s inaugural China Summit reflected the energy, ambition and investment we bring to this dynamic music market. The landmark acquisition of the Carrier Creative catalog demonstrates our ongoing commitment to preserving China’s important musical heritage, and with Jason Zhang joining our global artist roster UMGC is firmly at the forefront of Chinese pop music.
“Thank you to all the partners and artists who joined us on this special occasion, and who continue to work with us as we take China’s music to audiences around the world.”
The deal follows the news of UMG’s recent signing of superstar Chinese singer, songwriter, and producer Jason Zhang.
Together with Jason Zhang’s personal label ‘Planet Culture’, UMGC will work across Jason Zhang’s future recorded music, artist management, live performance, international presence and broader strategic developmentMusic Business Worldwide
Advanced Micro Devices (AMD +5.16%), better known as just AMD, is one of the largest tech companies that’s not in the trillion-dollar club right now. Currently, its valuation sits at around $800 billion. In just the past 12 months, its shares have skyrocketed more than 300% as its growth rate has improved and investors have begun to take it more seriously in its attempts to take market share from rival Nvidia in the chip market.
Given its robust growth opportunities and the excitement around artificial intelligence (AI) these days, is it inevitable that AMD hits a market cap of $1 trillion this year?
Image source: Getty Images.
Could the bullishness around AMD’s stock continue this year?
The latter part of this year could be a crucial time for AMD. Back in February, CEO Lisa Su said that the second half of the year would be an “inflection point” for its business as it ships Helios, its new server-scale system for AI.
Strong demand for Helios could be what gives the tech stock the added boost that it needs to reach $1 trillion in market cap. To get to $1 trillion, AMD’s stock would need to rise by another 25%, which may seem like a trivial amount given how strong its gains have been over the past year and the excitement around AI stocks as a whole.
A big part of the reason investors have become more bullish around AMD has been due to its improving growth rate. In its most recent quarter, which ended on March 28, its revenue totaled $10.3 billion, representing a year-over-year increase of 38%. In the previous quarter, its growth rate was more modest at 34%. A continued acceleration due to Helios may convince investors that the stock is the real deal, giving it the push it needs to hit $1 trillion in market cap.
Today’s Change
(5.16%) $24.04
Current Price
$490.42
Key Data Points
Market Cap
$760B
Day’s Range
$477.74 – $494.86
52wk Range
$115.06 – $546.44
Volume
988.5K
Avg Vol
37.5M
Gross Margin
47.09%
The expected growth may already be priced into the stock’s value
The biggest challenge for AMD’s stock at this stage may simply be due to valuation. It’s trading at more than 160 times its trailing earnings, and even when you factor in analyst expectations, its forward price-to-earnings multiple is still high at around 67. At such a high premium, the market may already be expecting Helios to do exceedingly well, and unless it completely blows past expectations, the stock may not necessarily experience a surge in value.
While I wouldn’t rule out the possibility of AMD reaching $1 trillion this year, I don’t expect it to finish there this year. Valuations have been elevated for some time in tech, and I believe a correction may be coming for the overall sector. Buying AMD stock at its current price is risky as it depends on a rosy outlook for tech and AI. With virtually no margin of safety, I wouldn’t rush to buy the stock right now.
A new report says Canada could be poised for a slower-than-usual summer rental market as average asking rents for May were down approximately $100 from a year earlier.
Maximum bonus amount: $150 savings & $200 checking
Availability: Select areas in UT, NV, AZ, ID, OR, NM, CA. Can see if you’re eligible here.
Direct deposit required: Yes, no minimum specified
Additional requirements: See below
Hard/soft pull: Hard
ChexSystems: Unknown
Credit card funding: Unknown
Monthly fees: None
Early account termination fee: 12 months, bonus forfeit
Household limit: None listed
Expiration date:
The Offer
Direct link to offer
America First Credit Union is offering a bonus of up to $350. Broken down as follows:
$150 when you open a savings account and add a checking account
$200 when you receive at least $1,000 in direct deposits within 60 days
The Fine Print
Membership, eligibility, terms, creditworthiness, change & conditions apply. Primary owners of America First accounts opened within the last 12 months are ineligible, as are employees and volunteers, as well as business, secondary & special accountholders.
Members will forfeit bonuses if accounts are closed or transferred within 12 months.
Direct deposit requirement does not apply to bank-to-bank, peer-to-peer (Venmo, Zelle®, PayPal, Apple Pay, etc.) wire transfer, or internal transfer transactions. Cash will be deposited within 60 days of meeting requirements.
All bank account bonuses are treated as income/interest and as such you have to pay taxes on them
Avoiding Fees
Monthly Fees
Classic checking has no monthly fees to worry about.
Early Account Termination Fee
Account must be kept open for 12 months otherwise bonus is forfeit
Our Verdict
Shame about the hard pull but otherwise seems worth doing especially as you can get some of the bonus without a direct deposit/checking account. Previous bonuses have all been for less money or available in less areas. We will add this to our list of the best checking bonuses.
Hat tip to reader Bockrr
Useful posts regarding bank bonuses:
A Beginners Guide To Bank Account Bonuses
Bank Account Quick Reference Table (Spreadsheet) (very useful for sorting bonuses by different parameters)
PSA: Don’t Call The Bank
Introduction To ChexSystems
Banks & Credit Unions That Are ChexSystems Inquiry Sensitive
What Banks & Credit Unions Do/Don’t Pull ChexSystems?
How To Use Our Direct Deposit Page For Bank Bonuses Page
Common Bank Bonus Misconceptions + Why You Should Give Them A Go
How Many Bank Accounts Can I Safely Open Within A Year For Bank Bonus Purposes?
Affiliate Links & Bank Bonuses – We Won’t Be Using Them
Complete List Of Ways To Close Bank Accounts At Each Bank
Banks That Allow/Don’t Allow Out Of State Checking Applications
Elon Musk — founder of Tesla, SpaceX, xAI, Neuralink, and The Boring Company, owner of X, and the first individual in history to surpass $400 billion in personal net worth — appeared on Nikhil Kamath’s People by WTF podcast on November 30, 2025 for a two-hour unfiltered conversation.
Nikhil Kamath is the co-founder of Zerodha, India’s largest stock brokerage with over 7 million active clients, and True Beacon, a hedge fund. His podcast has hosted guests including Bill Gates and Indian Prime Minister Narendra Modi.
Musk was direct from the start: he does not invest in stocks. He builds companies. He doesn’t look for things to put money into — there happens to be stock in the companies he creates, and that’s his exposure. But Kamath pressed him on a hypothetical: if he were forced to invest in companies outside his own ventures, where would he put his money?
Two companies. One category.
On Google: “I think Google is going to be pretty valuable in the future. They’ve laid the groundwork for an immense amount of value creation from an AI standpoint.”
On Nvidia: “NVIDIA is obvious at this point.”
On the category that everything else should be understood relative to: “Companies that do AI and robotics — and maybe spaceflight — are going to be overwhelmingly almost all the value.”
And then the sentence that puts the scale of the prediction in full view:
“The output of goods and services from AI and robotics is so high that it will dwarf everything else.”
He is not describing a tech sector that will outperform other sectors over the next decade. He is describing an economic shift in which the productive capacity of AI and robotic systems becomes so enormous that the relative contribution of everything else — agriculture, manufacturing, services, human labor broadly — contracts to a fraction of the overall economy.
Google was his pick for foundational AI infrastructure — DeepMind, Gemini, TPUs, and two decades of data advantage built into the substrate of the internet. Nvidia was his pick for the hardware layer that makes all of it possible.
Musk’s timing predictions are frequently wrong. His directional predictions are rarely wrong. He has spent his entire career — Tesla, SpaceX, Neuralink, xAI — betting in exactly the direction he described on this podcast.
The question for anyone building or investing is not whether this shift happens. It is what side of it you are on when it does.
There’s a version of physician productivity advice that sounds like this: wake up earlier, batch your tasks, use the Pomodoro technique. And there’s nothing wrong with any of it. But it’s all still you doing the work.
The more useful question is: which of these tasks didn’t need you in the first place?
For most physicians building income outside of medicine, the answer is more than they realize. And the most cost-effective way to address that gap is also one of the least utilized: a virtual assistant.
Not a full-time hire. Not a complex system. A part-time VA, starting with five tasks, at $7 to $10 an hour.
Here’s where to start.
Disclaimer: This article is for informational and educational purposes only and does not constitute financial, legal, or investment advice. Any investment involves risk, and you should consult your financial advisor, attorney, or CPA before making any investment decisions. Past performance is not indicative of future results. The author and associated entities disclaim any liability for loss incurred as a result of the use of this material or its content.
If you’ve been circling ideas but still feel stuck, you’re not alone.
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Why Physicians Resist This (and Why the Math Is Wrong)
The objection I hear most often isn’t budget. It’s setup cost. The mental model goes: “Training someone will take more time than it saves.”
In week one, that’s partially true. You do have to articulate your preferences, explain your categories, build a few templates. That’s real.
But physicians think about this as a one-time cost paid upfront, when it’s actually a one-time cost paid against years of compounding returns. A VA who handles your inbox well in month two does it without you explaining anything. The system is built. You just use it.
The bigger issue is that most physicians don’t have a clear list of what to hand off. They think in buckets, not tasks. “Administrative work” is too vague to delegate. “Triage my inbox and draft responses to anything that isn’t clinical or urgent” is a task someone can actually do.
That’s what this post is: five specific tasks with enough detail to hand off this week.
1. Email Triage and Drafting
Physicians spend somewhere between one and two hours per day on email, most of it on triage. Reading, deciding, deleting, flagging, drafting replies. The vast majority of that doesn’t require your specific judgment.
What the VA does: they go through your inbox first, filter by category, draft responses for routine messages using templates you’ve built together, and flag anything that needs your voice specifically.
The mental shift that makes this work: you’re not giving up your inbox. You’re stopping yourself from being the first line of defense on things that don’t require you. That’s a different thing.
Expect two weeks of training before it runs smoothly. After 30 days, most people find they’ve reclaimed 45 to 60 minutes daily.
2. Calendar Management and Scheduling
The invisible tax on scheduling isn’t the booking itself. It’s the back-and-forth, the cognitive load of tracking six possible windows, the double-checking, the rescheduling when something changes.
A VA handles all of it. They coordinate requests, send invites, protect recurring commitments, and flag anything that needs your direct approval.
The key is building the rule set upfront. What gets blocked no matter what. What categories they can book freely. What always requires your sign-off. One 30-minute conversation sets this up. Then you’re largely out of it.
For anyone juggling clinical schedules, family time, and a growing side business, this one pays off in the first week.
3. First-Pass Research
Physicians building outside of medicine have a constant stream of research questions. What’s this syndication operator’s track record? What property managers are active in this market? What are comparable deals trading at?
This is work that requires judgment to evaluate, but not judgment to gather. A VA does the gathering. You make the call.
The division is clean and the leverage is real. What would take you 90 minutes of scattered searching takes a focused VA 30 minutes to compile into a usable summary.
This is particularly valuable for investment due diligence. You’re not outsourcing the decision. You’re outsourcing the first pass so you spend your time evaluating, not hunting.
4. Travel and Logistics
Every trip carries overhead. Flight options, hotel comparisons, ground transport, conference registration, backup bookings. For a typical work trip or family vacation, that’s three to four hours of logistics attached to the event itself.
Brief your VA: dates, budget range, your preferences. Get back two or three options. Pick one. The cognitive load of tracking moving pieces across a week of emails goes away entirely.
This one is easy to underestimate because it’s spread across the year in small chunks. Add it up over 12 months and you’re looking at 30 to 40 hours.
5. Content Scheduling and Distribution
This is relevant for any physician building a platform, a side business, or a professional presence online.
The creative work stays with you. The distribution moves to someone else.
A VA can format posts for different platforms, schedule through a tool like Buffer or Later, handle basic caption editing, and repurpose long-form content into shorter pieces. If you’re recording a podcast or writing a newsletter, they can handle the downstream work of getting it out.
You create once. It goes everywhere. Clean.
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How to Actually Start
Pick one task from this list. Just one. Write out what “done well” looks like. Build a short checklist or template. Hand it off.
Spend two weeks in a feedback loop. Refine as you go. Then add a second task.
The physicians I’ve seen fail at this try to delegate everything at once before they’ve established any shared language with their VA. It overwhelms both sides.
Start small. Get one thing working cleanly. The compounding starts from there.
Platforms like Belay, Time Etc., and Zirtual are designed for professional clients and worth looking at. Onlinejobs.ph is a solid option if you want to hire directly.
Either way, there are capable people available at a cost that makes this a no-brainer at a physician’s hourly rate.
A Note on AI
Before we get to the bottom line, I want to address the obvious question.
Can’t AI just do all of this?
Honestly, we’re getting close. But what I’ve found works better in practice is using AI to train my VA rather than replacing her with it. She uses the tools. I review the output.
That combination is more reliable than either one alone. You end up with a supercharged VA instead of an automation that occasionally goes sideways at the worst possible moment.
The Real Value
The ROI of a VA isn’t just hours saved. It’s the shift in how you think about your time.
Once you’ve successfully handed something off, you start seeing two categories of work instead of one. Tasks that require you specifically. And tasks that don’t.
That distinction changes how you allocate your attention. And that, compounded over years, is worth considerably more than whatever you’ll pay in VA fees.
If you want support building systems like this alongside other physicians doing the same, that’s a lot of what we focus on inside our passive income physician community at LGA. You can learn more at .
Were these helpful in any way? Make sure to sign up for the newsletter and join the Passive Income Docs Facebook Group for more physician-tailored content.
Peter Kim, MD is the founder of Passive Income MD, the creator of Passive Real Estate Academy, and offers weekly education through his Monday podcast, the Passive Income MD Podcast. Join our community at the Passive Income Doc Facebook Group.
Disclaimer: I am not a CPA, attorney, or financial advisor. The information in this post is for educational purposes only and should not be construed as tax, legal, or financial advice. Please consult a qualified professional about your specific situation before making any decisions.
A Dollar for Fifty Cents: Proven Strategies to Outperform the Market with Closed-End Funds. 2025. Michael Joseph. IW$ Press
Closed-end funds (CEFs) are “chronically mispriced by the market,” writes Michael Joseph, CFA, but for investors hoping to capitalize on that inefficiency, “simply buying a closed-end fund trading at a discount isn’t enough.” Just picking the funds with the deepest discounts to net asset value (NAV) or the highest yields, adds Joseph, is a “recipe for disaster.”
He further cautions that investing in a CEF in hopes that an activist investor will swoop in and close the gap between NAV and market price is “risky” and “speculative.” Furthermore, says the Deputy Chief Investment Officer at Stansberry Asset Management, purchasing a CEF when it is initially offered is “irrational.” He also points out that when the Fed aggressively raised interest rates in 2022, several leveraged municipal bond CEFs’ valuations were slashed nearly in half.
By thus dispelling expectations of easy money, the author of this 89-page book corrects any misapprehensions that might be induced by his title, A Dollar for Fifty Cents. That phrase also appears in a subheading of a section recounting how Warren Buffett and Charlie Munger’s purchase of 20 percent of the shares of Source Capital after the 1969-1970 market downturn drove the CEF nearly 50 percent below the value of its underlying assets.
Buffett and Munger ultimately doubled their money, but as Joseph remarks in an understatement about discounts to NAV, they “aren’t always as steep as 50%.” In a fairer representation of the actual opportunity set, he cites research showing that the best CEF strategy is to buy at a 20 percent discount, with the objective of selling when the discount narrows to 15 percent.
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