For money you won't need for at least a year, I bonds can keep your cash ahead of rising prices without putting a dime of it at risk in the market.  ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌

November 2nd, 2026   |   Read online How Series I Bonds Protect Your Savings From Inflation For money you won't need for at least a year, I bonds can keep your cash ahead of rising prices without putting a dime of it at risk in the market. GOOD MORNING. THE LEAD New rates on Series I savings bonds took effect Sunday, and buyers now lock in the best fixed rate since 2006. That makes this a good time to understand how these bonds work, because few tools are built so directly for a worry most retirees share: inflation eating away at their cash. An I bond pays interest in two parts. The first is a fixed rate that never changes for the life of the bond. For bonds bought now through April 30, 2027, that rate is 1.40%. The second part follows inflation and resets every six months, based on the consumer price index. Together, bonds bought now earn 5.51% a year for their first six months. After that, the inflation part adjusts up or down, but the 1.40% stays. Elon Musk: This Could be 180 Times Bigger than SpaceX IPO Elon Musk is on record predicting this new opportunity is set to be 180 times bigger than the SpaceX IPO. That IPO minted 4,400 millionaires overnight. If this is 180 times bigger... Just imagine how many more Americans will become millionaires. Will you be one of them? Click here now. That design does something a bank CD cannot. A CD locks in one rate, so if inflation jumps, your real return shrinks. An I bond's payout rises with inflation, so your money keeps its buying power, plus a little extra. The bond's value also never declines. The rate cannot fall below zero, and you never lose what you put in. There are rules, and they matter. Each person can buy up to $10,000 a calendar year online through TreasuryDirect.gov, so a married couple can buy $20,000. You must hold the bond at least one year. If you cash it before five years, you give up the last three months of interest. The bonds keep earning for up to 30 years. Move Your Money OUT of SpaceX (and Into This Stock) by Nov. 16th Elon Musk has gone "all in" on Texas, home of SpaceX. But Texas just froze ALL new AI data center buildouts. The reason? Data center demand in Texas has soared from 48 gigawatts to 474 gigawatts... since 2023, according to Reuters. But according to 60-year Wall Street legend Marc Chaikin, one company has the solution. Its "micro cluster" technology will consume an estimated 99% less electricity and water. And it'll come online as soon as Nov. 16th. When it does, it'll make current data centers obsolete when it comes to major AI breakthroughs – including Elon's Grok. Go here for the company name and ticker – and Marc’s full prediction – free. The tax treatment is friendly. I bond interest is free from state and local income tax, and you can put off federal tax until you cash the bond or it matures. I bonds are not the only inflation shield. Treasury Inflation Protected Securities, or TIPS, now pay a higher return above inflation, roughly 2.6% on 10 year issues. But TIPS trade in the market, and their price can fall if you sell before they mature. I bonds give up some return in exchange for simplicity and safety. So where might they fit? Think of I bonds as a home for money you won't need for at least a year but want kept safe and ahead of prices. That could be part of an emergency fund, a reserve for a future roof or car, or cash set aside for later retirement years. They are a poor fit for money you may need soon or for large sums, given the yearly limit. Two more details. If you already used your 2026 limit, a purchase from January through April can use your 2027 limit and still lock in 1.40%. And if you own older I bonds, check their fixed rates on TreasuryDirect, because many bought between mid 2020 and late 2022 carry a fixed rate of zero. Your advisor can help you decide what fits your plan.   THE NUMBER THAT MATTERS 1.40% The New Fixed Rate on I Bonds That is the new fixed rate on I bonds, the highest since November 2006. The fixed rate is your guaranteed return above inflation for as long as you hold the bond, up to 30 years. For perspective, the fixed rate sat at zero from 2020 into late 2022. People who bought then got protection from inflation and nothing more. As recently as May of this year, the rate was 0.90%. Why is it higher now? The fixed rate tends to follow what inflation protected Treasuries pay in the market, and those returns recently reached their highest levels since 2008. What does 1.40% mean in plain dollars? On a $10,000 bond, it adds about $140 a year on top of inflation, and that margin compounds. Over 20 years, it alone would grow the bond's buying power by about 32%. A bond with a zero fixed rate would only keep pace. Rates like this do not come along often, and Treasury can change the fixed rate for new bonds on May 1.   We’re on YouTube! Visit our official channel, The Patriot Investor, to watch this video and discover more about investing and retirement. Subscribe to Stay Connected WHAT WE’RE WATCHING THIS WEEK INFLATION DATA HEALTH INSURANCE: Early Retirees Have Until December 15 to Pick a 2027 Plan If you retired before 65 and buy coverage through the Affordable Care Act marketplace, open enrollment began Sunday. In most states it ends December 15, about a month earlier than in past years, and new coverage starts January 1. The larger premium tax credits many early retirees relied on expired at the end of 2025, so costs rose sharply this year for many households in their late 50s and early 60s. Renewal notices for 2027 are arriving now. Do not let a plan simply roll over. Compare premiums, deductibles and doctor networks. Some states, including Virginia and Rhode Island, now offer their own help with premiums. Missing the deadline can leave you without a new plan for the year. SMART MONEY SIGNAL MEDICARE: The 2027 Part B Premium Is Due This Month Medicare usually announces next year's Part B premium in November. The Medicare trustees project the standard premium will rise to $209.50 a month in 2027, up from $202.90, with the yearly deductible rising to about $292. Most people have the premium taken straight out of their Social Security check, so it trims the 3.6% raise arriving in January. Drug coverage is changing too. The yearly cap on out of pocket costs for Part D rises to $2,400 from $2,100, and the maximum deductible rises to $700. Medicare open enrollment runs through December 7, so there is still time to compare plans once the final numbers are out. WORTH KNOWING SOCIAL SECURITY: Working Retirees Get a Higher Earnings Limit in 2027 If you claimed Social Security before full retirement age and still work, the earnings limit rises next year. In 2027 you can earn $25,560 before Social Security holds back $1 in benefits for every $2 you earn above that line. In the year you reach full retirement age, the limit rises to $67,920, and $1 is held back for every $3 above it, counting only earnings before the month you reach that age. Money held back is not lost for good, because Social Security raises your monthly check later to make up for it. Once you reach full retirement age, there is no limit at all. If you plan to work part time in 2027, run the numbers now.     I bonds are one of the simplest ways to keep part of your savings ahead of inflation without taking on market risk. The new 1.40% fixed rate is the best in 20 years, and it lasts as long as you hold the bond. The trade off is a yearly limit and a one year lock. For cash you won't need soon, they deserve a close look.       Know someone who should be reading this? Forward this email. It takes ten seconds and might save them real money. This newsletter is for informational purposes only and does not constitute investment advice. Always consult a qualified financial advisor before making investment decisions. Update your email preferences or unsubscribe here © 2026 The Patriot Investor by Sellet LLC 13860 Wellington Trace 38-256 Wellington, FL 33414, United States

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Read online A Message From TradeWins Ian Cooper here, Alert! If you still haven't saved your copy of "The $50-to-$500 Options Strategy"... ... do it right now before the download link expires. We'll be moving this book behind a paywall in the near future so grab it now while you still can. You'll thank me. FREE: The $50-to-$500 Options Strategy To your success, Ian Cooper Tradewins Reminder: Grab your copy of "The $50-to-$500 Options Strategy" before we move it behind a paywall. Special Report Plugging In: Vertiv Cashes In On AI Demand Submitted by Jeffrey Neal Johnson. First Published: 10/29/2026. Key Points Vertiv reported third-quarter revenue of about $4.31 billion, up roughly 61% year over year, as deferred revenue surged to $4.12 billion from $1.81 billion at the end of 2025. The company is expanding into microgrid controls, switchgear, and behind-the-meter power through a $1.45 billion acquisition of UtilityInnovation Group, while partnering with NVIDIA on the DSX platform to speed deployments. Vertiv raised full-year guidance, expanded adjusted operating margins to 25.2%, and trades at a premium forward price-to-earnings ratio of about 37. Special Report: I've Studied Every Boom of the past 126 Years. This Floored Me. (From Monument Traders Alliance) Hyperscaler spending has drawn considerable scrutiny, fueling anxiety about a potential slowdown in demand for data center infrastructure. Yet the physical buildout paints a different picture. When operators commit billions of dollars in upfront cash to secure future equipment deliveries, it signals a tight supply environment—not a cooling demand cycle. Vertiv Holdings Co. (NYSE: VRT) recently delivered third-quarter results that challenged the prevailing slowdown narrative. The company reported approximately $4.31 billion in revenue, representing a year-over-year increase of about 61%. Trump and Musk are circling the same $5 stock (Ad) A newly surfaced executive order targets an $8 to $16 trillion stockpile of critical metals essential for smartphones, electric vehicles, fighter jets, and AI data centers. One small company, trading under $5 per share, reportedly has the tools and technology to help tap this resource at scale - drawing attention from Washington and from Elon Musk's metal-dependent ventures. See the executive order and the stock details now While top-line beats often attract immediate attention, the balance sheet reveals a more structural shift. A sharp buildup in deferred revenue suggests that power grid and cooling constraints—not weakening demand for computing—are the real bottlenecks. Wiring the Demand: Unpacking the Order Book Investors should examine the money flowing through Vertiv before a single piece of equipment ships. Organic orders increased by more than 100% in the third quarter. To gauge the significance of that metric, investors can look to deferred revenue, which climbed to approximately $4.12 billion at the end of the third quarter, up significantly from about $1.81 billion at the end of 2025. In financial accounting, deferred revenue differs from a soft backlog or a nonbinding capacity agreement. It represents cash that customers have already paid to secure priority for future manufacturing runs. By committing capital upfront, hyperscalers and enterprise operators are using their cash reserves to guarantee access to critical infrastructure. This reflects a market in which hardware availability remains the primary pacing factor. Some investors previously assumed that any third-quarter strength would primarily reflect a catch-up effect from supply chain delays earlier in the year. The data suggests a broader trend. Management cited strong demand across multiple geographies, including the Americas, Asia-Pacific and EMEA. Demand is expanding across multiple customer segments rather than relying on a localized anomaly. Customers are navigating macroeconomic constraints, such as site permitting and skilled labor shortages, by securing the necessary hardware well in advance of site readiness. Bypassing Gridlock: Vertiv's Power Play Turning digital ambitions into physical buildings brings logistical hurdles. Operators can no longer simply plug new server racks into existing cooling and power infrastructure. Data centers are encountering hard limits on power availability and thermal dissipation. Vertiv recently completed a $1.45 billion acquisition of UtilityInnovation Group, a strategic move aimed directly at these constraints. The acquisition expands the company's addressable market into microgrid controls, switchgear (equipment that controls and protects electrical circuits) and behind-the-meter power, meaning electricity generated on-site rather than drawn from the utility grid. By moving further up the power chain, Vertiv can help operators work around grid bottlenecks, which remain a persistent headwind for large projects. With grid interconnection waits now stretching into years, behind-the-meter solutions offer developers a critical bridge for bringing capacity online faster. At the same time, data center designs are evolving. Power-hungry AI workloads are driving a shift from traditional air cooling to advanced liquid cooling and system-level thermal-chain architectures. As cooling providers like Johnson Controls International plc (NYSE: JCI) have also found, the physical limits of older air-cooling systems are necessitating a move to liquid-cooling frameworks. Operators are heavily focused on time-to-first-token, a metric that measures how quickly an AI system can begin generating a response. To accelerate deployment timelines, Vertiv is collaborating with NVIDIA Corp. (NASDAQ: NVDA) on the DSX platform. Using pre-engineered designs and digital twins—virtual models of a facility—the partnership aims to cut deployment times by up to half while reducing the conversion risks associated with complex, customized site builds. Digital twins allow operators to model heat behavior before construction, reducing trial and error during installation. This parallel approach to design and site preparation can shorten physical deployment times, keeping capital from sitting idle. Keeping the Lights on: Execution Meets Expectation Strong demand translates into shareholder value only if a company can scale production while maintaining pricing power. Third-quarter data suggests Vertiv is doing just that, with profits growing faster than sales. Adjusted operating margins expanded 290 basis points year over year to 25.2%. Looking ahead, fourth-quarter guidance calls for organic growth of approximately 50% and adjusted earnings per share of about $2.25. Full-year targets were raised across all metrics, with revenue now projected at roughly $14.65 billion. From a valuation standpoint, Vertiv trades at a forward price-to-earnings ratio of about 37. While that represents a premium to peers such as Eaton Corporation plc (NYSE: ETN) and nVent Electric plc (NYSE: NVT), it aligns with the elevated growth profile of dedicated data center pure plays. Analysts remain cautiously optimistic, with a consensus average price target of approximately $335.67, implying potential upside of about 38% from a recent close. Capital returns also reflect a growth-first posture. Vertiv offers a nominal dividend yield of roughly 0.1%, supported by a conservative payout ratio of about 5.6%. This low distribution rate signals management's preference for retaining capital to fund internal capacity expansion, engineering research and strategic acquisitions rather than returning cash to shareholders in the near term. The primary headwind ahead involves execution. Converting a large order book into recognized revenue depends on supply chain resilience, factory throughput and successful site-level deployment. Rolling out complex thermal-chain solutions requires careful coordination, and manufacturing missteps could result in costly project delays. Investors evaluating the AI infrastructure space may want to monitor how efficiently these orders convert into revenue in coming quarters. A sustained ability to clear the backlog while defending operating margins could help justify Vertiv's premium valuation and provide a practical framework for assessing the next phase of the data center buildout. .   Update your email preferences or unsubscribe here © 2026 Ticker Talk | MarketBeat Media, LLC 345 N Reid Place, Suite 620 Sioux Falls, SD 57103, United States

Revenue rose 20.5%, but guided cRPO growth of 18.5% trailed forecasts  ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌

A Message from Zacks Investment Research Dear Reader, Here’s the thing about stocks with the potential to double. Timing matters. The investors who see the most upside from a breakout stock are almost always the ones who . . . . . . got in early before the move was obvious . . . . . . and before the stock started appearing in everyone else’s portfolio. By the time a double is confirmed, much of the gain is already gone. That’s exactly why we created the playbook, 5 Stocks Set to Double. Our team of 5 Zacks experts scans thousands of publicly traded companies and selects a single stock apiece. Their criteria: the best realistic shot at gaining +100% or more in the next 12 months. But the picks aren’t chosen solely for long-term potential. Every stock also carries a strong Zacks Rank, meaning earnings estimates are already trending upward. That’s a key predictor of near-term outperformance. These aren’t stocks you simply hold and hope. These are stocks positioned to start moving. While we can’t guarantee future performance, previous editions have produced gains of +143.08%, +175.3%, and even +340.3%.¹ Of course, not every pick will be a winner. The report is free to download. And the sooner you see these 5 stocks, the sooner you can make an informed decision about whether any of them belong in your portfolio. Every week without the right strategy is a week of potential gains left on the table. That’s a loss worth considering. Download 5 Stocks Set to Double now, at no cost to you and with no obligation. Good Investing, Kevin Matras Executive Vice President ¹ The results listed above are not (or may not be) representative of the performance of all selections made by Zacks Investment Research’s newsletter editors and may represent the partial close of a position. Access grants you a comprehensive list of all open and closed trades. This free resource is being sent by Zacks.com. We look for investment resources and inform you of these resources, which you may choose to use in making your own investment decisions. Zacks is providing information on this resource to you subject to the Zacks “Terms of Service”. https://www.zacks.com/terms_of_service Past performance is no guarantee of future results. Inherent in any investment is the potential for loss. This material is being provided for informational purposes only and nothing herein constitutes investment, legal, accounting or tax advice, or a recommendation to buy, sell or hold a security. No recommendation or advice is being given as to whether any investment is suitable for a particular investor. It should not be assumed that any investments in securities, companies, sectors or markets identified and described were or will be profitable. All information is current as of the date of herein and is subject to change without notice. Any views or opinions expressed may not reflect those of the firm as a whole. Zacks Investment Research is not a licensed securities dealer, broker or U.S. investment adviser or investment bank. The Zacks #1 Rank Performance covers the period beginning on January 1, 1988 through March 2, 2026. The performance is the equal weighted performance of a hypothetical portfolio consisting of stocks with a Zacks Rank of #1 that was rebalanced monthly from January 1988 through December 2013 and weekly from 12/31/13 through Monday’s open on March 2, 2026. For each stock with a Zacks Rank #1 at the beginning of the month, the total return during the month was calculated as the % change in the price of the stock from the closing price of the prior month to the closing price of the current month plus any dividends received during the month. The monthly individual stock returns were then averaged to determine the portfolio return for the month. For each stock with a Zacks Rank #1 at the beginning of the week, the total return during the week was calculated as the % change in the price of the stock from the opening price for the week to the opening price of the next week plus any dividends received during the week. The weekly individual stock returns were then averaged to determine the portfolio return for the week. If no month-end price or week end open price was available for a stock, it was not included in the portfolio return for the month or the week. The monthly and weekly returns were compounded to arrive at the annual returns. The annualized return is the annual return that, had it been achieved in each year or portion of a year, would have compounded to create the total return over the full time period. These returns are based on the list of Zacks Rank #1 Stocks that was available to clients of Zacks as of the beginning of the month, when returns were calculated monthly, or as of the beginning of the week when returns were calculated weekly. These returns are higher than the returns an investor could achieve investing real money in a portfolio of Zacks Rank #1 stocks because the returns of the hypothetical Zacks Rank #1 portfolio exclude a number of costs, including commissions incurred for trading, the average bid ask spread, the price impact of the trading and, prior to 2013, in those months when the end of the month fell on Friday, Saturday or Sunday, the overnight return from the month end close to the open on the next trading day. The S&P 500 is an unmanaged index. Visit https://www.zacks.com/performance_disclosure for information about the performance numbers displayed above. Zacks Emails If you would prefer to not receive future profit-producing emails from Zacks.com the primary purpose of which is the commercial advertisement or promotion of a commercial product or service, then please click here and confirm your request. If you have trouble with the unsubscribe link, please email support@zacks.com. Zacks Investment Research 101 N Wacker Drive, Floor 15 Chicago, IL 60606 ServiceNow Lost 27% in One Day. Here's the Number Behind It On Thursday, Oct. 29, shares of ServiceNow fell 26.95% and closed at $109.67, down from $150.13 the day before. Yahoo Finance called it the stock's worst day ever. The drop followed the company's third-quarter report, released after the close on Wednesday, Oct. 28. The damage came from one forward-looking figure. What the Report Said Total revenue was $4.11 billion, up 20.5% from a year earlier. Subscription revenue, the recurring software fees, rose 21% to $3.99 billion. ServiceNow also raised its 2026 subscription revenue outlook to $15.78 billion to $15.79 billion and lifted its full-year free cash flow margin target to 36%, according to the company's earnings release. The problem was current remaining performance obligations, or cRPO. That is contracted revenue the company expects to recognize over the next 12 months, so investors read it as a preview of growth. cRPO grew 20.5% to $13.65 billion in the third quarter. For the fourth quarter, ServiceNow guided to 18.5% growth. Yahoo Finance cited 19.4% as the Wall Street expectation. The company's CFO told Yahoo Finance that cRPO is a useful but imperfect accounting measure that does not capture all of the momentum in the business. Yahoo said the outlook also revived fears that AI competition could pressure its software business. The Bull View Bulls say the selloff is out of proportion to a small miss. Oppenheimer analyst Brian Schwartz, who rates the stock Buy with a $165 target, wrote that AI momentum counters the idea that ServiceNow is being disrupted, though it shows no clear path to faster organic growth yet. The company also raised its 2026 AI contract value target to $1.7 billion, up from $1 billion at the start of the year. The Bear View Bears point to the slowdown. Guided cRPO growth of 18.5% sits below the 20.5% just reported, and the market is sensitive to any sign that AI tools could eat into software demand. A stock priced for steady growth has little cushion. What Comes Next ServiceNow had not announced its fourth-quarter report date as of Oct. 30. Its previous fourth-quarter report came on Jan. 28, 2026. What It Means for You A company can beat on revenue, raise its full-year outlook and still fall sharply. Stock prices lean heavily on expectations for future growth, and a small gap between guidance and forecasts can matter more than a good quarter. The risk runs both ways. A drop this large does not tell you what comes next, and analysts disagree about whether the reaction went too far. For scale, $100 in the stock at the Oct. 28 close was worth about $73 at the Oct. 29 close. It also shows how concentrated risk can hurt. One holding lost more than a quarter of its value in a single session. SPONSORED   Set Up for 2027 Now, or Play Catch-Up Later? Stock prices often move before news does. Good Morning Alerts' 2027 Outlook names three threats that could hit portfolios hard: an economic downturn, a break in the AI trade — where the market leans on a handful of tech names — and a dollar that keeps shrinking. Their 10 Smart Money Moves report lists 10 stocks built for that environment: companies with genuine cash flow, pricing power, and balance sheets able to withstand a hit, including a household-name staple and a company sitting on one of the biggest cash piles in corporate America. Delivered instantly, no cost to request. 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