Category Archives:  Public Interest

Death Cults 1st of 3

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Death Cults: 1st of 3

“Atheism (secular humanism) has wantonly killed more than any religion and perhaps any war …

can you create a table of estimated deaths by murder,

execution starvation by Mao Stalin and Lenin

or anyone else in history you think comparable?

ChatGPT said:

[This table summarizes] estimated deaths caused by policies, purges, famines, executions, and mass violence under leaders like Mao Zedong, Joseph Stalin, Vladimir Lenin, and others historically known for state-induced mass deaths. These figures are estimates and often debated by historians. I’ll also include a few other comparable historical figures for context.

⚠️ Important Notes:

  • Estimates vary widely depending on sources and methodologies.
  • Deaths include murders, executions, famine (when induced or exacerbated by policy), gulag/labor camp deaths, and in some cases ethnic cleansing or genocide.
  • These are not battlefield deaths in war, but rather civilian or political deaths caused by internal policies.

📊 Table: Estimated Deaths by Authoritarian Regimes (20th Century)

Leader / Regime

Country / Period

Estimated Deaths

Causes

Notes

Mao Zedong

China (1949–1976)

45–70 million

Great Leap Forward famine, Cultural Revolution, purges

Largest death toll primarily from famine (policy-induced)

Joseph Stalin

USSR (1924–1953)

15–20 million

Purges, Gulag labor camps, forced collectivization famines (e.g., Holodomor)

Includes mass deportations and executions

Adolf Hitler

Nazi Germany (1933–1945)

17–25 million

Holocaust (6M Jews), WWII civilian casualties, ethnic cleansing

Includes genocide and war crimes

Vladimir Lenin

USSR (1917–1924)

3–5 million

Red Terror, Civil War, early Gulag, famine

Shorter period, but laid foundations for Stalinist terror

Pol Pot

Cambodia (1975–1979)

1.5–2 million

Execution, forced labor, famine

Up to 25% of population died

Kim Il-sung

North Korea (1948–1994)

1–3 million

Famine, purges, gulags

Continued under his successors

Mengistu Haile Mariam

Ethiopia (1977–1991)

500,000–2 million

Red Terror, famine (exacerbated by policy)

Marxist military junta (Derg)

Hideki Tojo

Japan (WWII era)

3–5 million

Massacres (e.g., Nanking), civilian deaths in Asia

Imperial Japan’s military leader during invasions

Leopold II of Belgium

Congo Free State (1885–1908)

8–10 million

Forced labor, violence, starvation

Colonial-era atrocities in the Congo

Yakubu Gowon & others

Nigeria (1967–1970)

1–2 million

Biafra famine (civil war blockade), massacres

Humanitarian crisis more than direct execution

📌 Summary:

  • Mao Zedong tops the list primarily due to policy-induced famine.
  • Stalin caused millions of deaths via purges, gulags, and famines.
  • Hitler combined industrialized genocide (Holocaust) with aggressive war and occupation.
  • Other leaders (Pol Pot, Kim Il-sung, etc.) inflicted large-scale suffering, often on their own populations.

Drones & Site Security

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Asking chatGPT:

•What features of drones have been used successfully for inspection of facilities of less than 1 1/2 acres?
•Are any particular brands designed for this purpose?

Drones have become a valuable tool for inspecting and securing smaller facilities (such as campuses, industrial sites, or residential estates) under 1.5 acres. In these compact environments, several features have proven especially effective for inspection and security tasks. Here’s a breakdown of those features, followed by a look at specific brands and models designed for such purposes.

✅ Key Drone Features for Inspection & Security in Small Facilities

1. High-Resolution Cameras

    • Purpose: Detect intrusions, inspect infrastructure (e.g., HVAC, roofs, fences).

    • Effective Spec: 4K resolution or better, with zoom (3x–30x optical zoom preferred).

    • Thermal Imaging: Especially useful for nighttime security or inspecting equipment hotspots.

2. Obstacle Avoidance and GPS Stabilization

    • Purpose: Ensure safety in tight environments with trees, fences, and buildings.

    • Effective Spec: Omnidirectional obstacle sensing; GPS + GLONASS support for accurate hovering.

3. Waypoint Navigation & Patrol Automation

 

 

    • Purpose: Automate routine security patrols or inspection flights.

    • Effective Spec: Waypoint missions, geofencing, and scheduling features via app.

4. Remote Live Monitoring

    • Purpose: Allow real-time remote surveillance via streaming mobile or desktop interface.

    • Effective Spec: Low-latency video feeds; encrypted transmission (AES-256 recommended).

5. Compact Size & Deploy Quickly

    • Purpose: Useful for small properties where rapid response and agility are more critical than long-range capabilities.

6. Night Vision or Infrared (IR) Capabilities

    • Purpose: Ensure surveillance continuity after dark.

    • Effective Spec: Dual cameras (RGB + thermal) or IR-enabled sensors.

🔍 Popular Drone Models for Small-Site Security & Inspection

Here are specific models known for strong performance in small-facility settings:

Brand / Model Key Features Best For
DJI Mavic 3T 4K camera, 56x hybrid zoom, thermal imaging, 45-min flight time General security, roof inspections, night monitoring
DJI Air 3 Dual camera (wide + telephoto), obstacle sensing, compact Daylight security patrols, detailed visual inspections
Skydio 2+ AI-based obstacle avoidance, autonomous flight, GPS tracking Autonomous patrols, complex environments
Parrot Anafi USA Thermal + 32x zoom, GPS, rugged, secure data Sensitive sites, thermal inspections
Autel EVO II Dual 640T Dual 8K visual + FLIR thermal camera, 38-min flight time Night surveillance, equipment inspection

 

Example from Amazon.com

 

🛠️ Use Case: 1.5 Acre Sites

    • Security Patrols: Routine perimeter sweeps with waypoints.

    • Roof & HVAC Inspection: Thermal cameras can detect leaks or overheating.

    • Intrusion Detection: Drones can quickly check alerts from motion sensors or alarms.

    • Asset Monitoring: Track vehicles, equipment, or unusual activity with visual and infrared imaging.

🧭 Recommendations by Use Case

🧩 Optional Add-ons

    • Drone-in-a-box systems (for full automation, though pricey)

    • Private LTE/5G or Wi-Fi mesh (for continuous connectivity on site)

    • Software platforms like DroneDeploy, Skydio Cloud, or DJI FlightHub for mission planning and data storage

 

Any Future with Gold?

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Whitworth LLC generates reports using technologies from Microsoft, Apple, ChstGPT, Claude and Google.

ChatGPT said:

To build a well-balanced mix of 3–5 royalty companies that maximizes diversity, stability, and high dividend potential, consider the following curated portfolio:

🥇 Core Holdings (Stable + Dividend Growth)

1. Franco‑Nevada (FNV)

  • Dividend Yield: ~0.9–1.3%, raised for 16–18 consecutive years The Motley Fool Canada+1Investors.com+1

  • Strengths: Debt-free, high-margin, extremely diversified across gold, silver, platinum, and energy in 30+ countriesAInvest

  • Fit: Defensive core foundation.

2. Wheaton Precious Metals (WPM)

  • Yield: ~1.3%; recently increased quarterly dividend policy

  • Focus: ~97% exposure to precious metals—mainly gold and silver—with minor cobalt AInvest+2The Motley Fool+2The Motley Fool Canada+2

  • Fit: Reliable dividend payer with precious-metal concentration.

3. Royal Gold (RGLD)

🌱 Additional Satellite Picks (Boosted Yield & Regional Exposure)

4. Gold Royalty Corp (GROY) (smaller, higher-yield play)

📊 Portfolio Snapshot

Ticker Dividend Yield Dividend Growth Diversification North America Focus
FNV 0.9–1.3% 16–18 years Global metals + energy Moderate
WPM ~1.3% Consistent raises Precious metals heavy High
RGLD ~1.2% 16 years Americas + metals diversification Medium‑High
GROY ~2.6% Newpayer NA royalties only Very High

🧭 Why This Mix Works

  • Stability & Longevity: FNV, WPM, and RGLD bring decades of dividend growth and low operational risk.

  • Diversity:

    • Commodity: Exposure to gold, silver, PGM, and energy.

    • Geography: A blend of global vs. Americas-centric portfolios.

    • Size: Includes both large-cap blue chips and a higher-yielding small-cap.

  • Dividend Profile: Core stocks provide reliable income, while GROY enhances yield without adding large operational risk.

✅ Suggested 4‑Stock Allocation

  1. Franco‑Nevada (FNV) – ~30–35%

  2. Wheaton Precious Metals (WPM) – ~30–35%

  3. Royal Gold (RGLD) – ~25–30%

  4. Gold Royalty (GROY) – ~5–10%

This blend gives you a strong income foundation, superior diversification, and moderate upside via GROY’s growth potential.

Would you like real-time yield breakdowns, NAV-per-share metrics, or dividend coverage ratios for these names?

Relevant Royalty Company News

 

Royal Gold Aims to Boost Scale, Gold Output With $3.5 Billion Sandstorm Gold Acquisition

The Wall Street Journal

Royal Gold Aims to Boost Scale, Gold Output With $3.5 Billion Sandstorm Gold Acquisition
4 days ago

 

Royal Gold agrees acquisitions worth $3.7bn as record prices drive deals

ft.com

Royal Gold agrees acquisitions worth $3.7bn as record prices drive deals
4 days ago
A Majestic Mover: Royal Gold Stock Flirts With Buy Point Amid 58% Run As Earnings Spike

Investors.com

A Majestic Mover: Royal Gold Stock Flirts With Buy Point Amid 58% Run As Earnings Spike
Mar 21, 2025

 

 

 

Sources

 

 

You said:
hiw do GGN and others deliver over 7% annual return?
ChatGPT said:

GGN (GAMCO Global Gold, Natural Resources & Income Trust) delivers a 7–13%+ annual return primarily due to a covered-call strategy layered on a gold/natural resource stock portfolio, combined with monthly cash payouts—but it comes with trade-offs.

🧩 How GGN Pays Out 7%+

  1. Covered-call overlay
    GGN holds gold and resource stocks like Barrick, Newmont, Chevron, and Exxon, then sells call options on them. This brings in premiums—around $0.03 per share monthly—which help sustain high payouts and reduce NAV volatility Reddit+15AInvest+15Seeking Alpha+15GuruFocus+7Dividend.com+7CEF Connect+7.

  2. Monthly distributions & income coverage

    • It distributes ~$0.36/year per share—equating to ~8–10% annual yield .

    • Q1 2025 coverage was around 1.2× distributable cash flow, meaning payouts were backed by operations, not fully from capital AInvest.

  3. Return of Capital (ROC) inclusion

    • About 15% of distributions are classified as ROC, lowering your cost basis rather than reflecting actual earnings Wall Street Numbers+15AInvest+15Reddit+15.

    • This means you’re getting back part of your original investment, not purely income.

⚠️ Key Risks

  • ROC reliance: As ROC rises (~15–20%), it may indicate weakening operations .

  • Capped upside: The covered-call strategy limits growth during bullish commodity runs Investing.com+3AInvest+3The Street+3.

  • Premium valuation: Trading near premium to NAV reduces future upside potential Seeking Alpha+10Investing.com+10The Street+10.

  • High fees/discount erosion: Closed-end fund fees and potential NAV decline could erode returns long-term .

🗣️ What Reddit Investors Say

“GGN is yield trap. High dividends, high ER and crap returns. There are better PM investments.” Reddit+1Seeking Alpha+1

“The yields will never increase… CC ETF will lag underlying over 30 years… yield strategy sacrifices growth.” Reddit

🧭 Practical Takeaway

Feature Benefit Trade-off
High monthly yield 7–13%+ cash payouts May include ROC, reducing long-term NAV
Income stability Call premiums provide cash flow Growth capped during strong rallies
Downside buffering Mitigates volatility on commodity declines Fund expenses & option losses can reduce NAV

Ideal for: Investors seeking cash income and comfortable with sacrificing growth for stability.

Not ideal for: Those seeking capital appreciation via full participation in commodity bull runs.

✅ Bottom Line

Yes, GGN delivers ~7–13% annual return through its income-first strategy, combining covered calls with portfolio distributions. But it sacrifices upside, uses ROC, and has higher costs. It’s a high-income vehicle, not a total-return or growth-focused investment.

Would you like a comparison of other high-yield precious metal CEFs/ETFs using similar strategies?

 

Sources

 

You said:
yes please suggest something better than GGN that avoids the downsides you mentioned
ChatGPT said:

To find a better income vehicle than GGN—with less reliance on return-of-capital (ROC), more NAV upside, and fewer trade-offs—consider these alternative strategies:

🛡️ 1. Covered-Call Equity ETFs with More Balanced Outcomes

  • JEPI (JPMorgan Equity Premium Income ETF)

    • Yield: ~10.4%

    • Strategy: S&P 500 equity exposure with strategic call overlays, delivering high income with more upside participation than aggressive covered-call fundsReddit+12Reddit+12Reddit+12.

    • Provides a more balanced path vs. GGN’s gold-only focus and heavy ROC.

  • DIVO ETF

    • Yield ~5–6%, plus capital gains (~6% p.a.), combining dividend-paying equities with mild covered-call writingInvestopedia.

    • Offers reliable monthly distributions and capital appreciation potential, making it superior to GGN for total return.

2. Precious Metal Royalty Funds with Yield + Growth

These avoid ROC structure entirely by owning royalty/streaming firms that collect real revenue and distribute genuine dividends:

Though yields are below GGN’s ~8–10%, they offer superior stability, long-term compounding, and no NAV drag.

3. Gold Royalty/Streaming ETFs

For a more diversified portfolio of royalty companies in one fund:

📊 Quick Comparison Summary

Option Yield ROC Risk NAV Upside Equity Participation
GGN 7–13% ✅ High 🚫 Limited 🚫 Limited
JEPI ~10% ❌ Low 👍 Good 👍 Strong
DIVO ~5–6% + cap ❌ Low 👍 Good 👍 Moderate
FNV/WPM/RGLD ~1–1.3% ❌ None 👍 Strong Moderate
ROYL / GOAU ~1–1.5% ❌ None 👍 Strong Moderate

🧭 Final Take

  • Want high income with limited downside? Go with JEPI (S&P 500 covered call) or DIVO—both offer regular payout plus upside participation.

  • Want precious metal exposure without ROC risk? Combine FNV, WPM, and RGLD for stable, dividend-growing royalty plays.

  • Prefer a one-stop royalty ETF? Try ROYL or GOAU.

Let me know if you’d like real-time NAV discounts, historical returns, or a combined portfolio strategy!

3 week Tariff Trepidation?

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this article was created by Whitworth.LLC using technologies from Microsoft,  Apple™, ChatGPT™, ClaudeAI™ and WordPress™.

  

Here’s a breakdown of which countries and industries are most negatively affected by the current and anticipated US tariffs (effective August 1, 2025), who’s benefiting, and what might unfold over the next three weeks:

Countries & Industries Most Negatively Affected

Canada

  • Overall tariffs rising to 35% on all imports from Canada (up from 25%)  .
  • Auto parts, steel, and aluminum hit hardest—these were already subject to 25–50% tariffs earlier this year.

Brazil

  • Facing a 50% tariff on beef and broader goods—likely halting Brazilian beef imports and raising US consumer prices  .
  • Other commodity sectors like copper and coffee also at risk.

South Korea & Japan

  • 25% tariffs on all imports from South Korea and Japan, layered on existing duties (e.g., steel, autos) ().
  • Electronics, autos, and batteries (Samsung, LG, Hyundai, Kia) most affected  .

 Malaysia, Laos, Myanmar, South Africa

  • New reciprocal tariffs ranging from 25–40%  .
  • Malaysia: electronics/semiconductors currently exempt, but uncertainty looms  .
  • South Africa: auto sector heavily impacted, undermining AGOA benefits  .

 

Additional countries

  • Vietnam (20%), India (26–27%), Cambodia (36%), Laos (40%), Bangladesh (35%), Tunisia/Malaysia (up to 50%), and others face steep tariffs  .

Who’s Benefiting (Positive Impact)

US Domestic Producers

  • Copper producers: US Comex copper prices spiked ~13% after news of 50% tariffs  .
  • Domestic beef and agriculture: US producers may see short-term gains from reduced Brazilian competition ().

 

Alternative Exporters & Suppliers

  • Australia and Argentina: Likely to see beef export volumes rise in absence of Brazilian imports  .
  • Semiconductor suppliers outside Malaysia, like Mexico or the Philippines, may capture redirected orders  .

 

Financial Markets (short-term sentiment)

  • US stock indexes momentarily rallied following tariff announcements ().
  • Bond markets hint at expected Fed rate cuts due to slowing growth  .

?? Near-Term Outlook (Next 3 Weeks)

  1. Negotiations & Adjustments
  • Countries like Japan, EU, UK, China, Vietnam are actively negotiating to delay or mitigate tariffs ().
  • Investors should watch for any deals before August 1 that could lighten or delay duties.
  • Court Challenges
  • Legal suits are underway against these tariffs; some delays or injunctions could arrive within the next few weeks ().Market Volatility
  • Continued policy unpredictability may suppress business investment; S&P 500 earnings could be trimmed ~1–2% per 5 pp of tariff hikes  .Price Inflation Pressures
  • Rising costs in commodities (beef, copper, pharma, lumber, semis) may feed into consumer prices shortly after August 1 ().

Summary Table: Impact Snapshot

Region/Country

Tariff Rate

Most Affected Industries

U.S./Offshore Beneficiaries

Canada

35%

Autos, steel, aluminum

— (some supply chain reshuffling)

Brazil

50%

Beef, coffee, orange juice

US ranchers; AUS/ARG exports

South Korea & Japan

25%

Electronics, autos, batteries

US copper/electronics; MX/PH exporters

Malaysia, South Africa

25–40%

Semiconductors, automobiles

Offshore exporters in exempt regions

Vietnam, India, etc.

20–40%

Diverse goods

Alternate sourcing in low-tariff areas

What to Watch in Coming Weeks

  • Key deadlines: August 1 is the line in the sand—any last-minute agreements could postpone tariffs.
  • Legal rulings: Court interventions might restrain enforcement — check news feeds around mid-July.
  • Market behavior: Watch commodity prices (especially copper) and bond spreads as economic expectations shift.

Bottom line:

Tariffs set for August 1 threaten to disrupt global supply chains—particularly hurting Canadian autos, Brazilian beef, Korean/Japanese electronics, and more. US domestic producers and alternate exporters stand to gain in the short term. But uncertainty—legal, diplomatic, and market-driven—could shift this dynamic in the next three weeks.

 

Court Challenges:

  • Legal suits are underway against these tariffs; some delays or injunctions could arrive within the next few weeks ().

Market Volatility:

  • Continued policy unpredictability may suppress business investment; S&P 500 earnings could be trimmed ~1–2% per 5 pp of tariff hikes  .

Market Volatility:

  • Price Inflation Pressures
  • Rising costs in commodities (beef, copper, pharma, lumber, semis) may feed into consumer prices shortly after August 1 ().

Bottom line:

Tariffs set for August 1 threaten to disrupt global supply chains—particularly hurting Canadian autos, Brazilian beef, Korean/Japanese electronics, and more. US domestic producers and alternate exporters stand to gain in the short term. But uncertainty—legal, diplomatic, and market-driven—could shift this dynamic in the next three weeks.

 https://www.theguardian.com/us-news/2025/jul/11/donald-trump-latest-tariff-threats-analysis-us-economy

 

www.reuters.com/markets/commodities/trump-tariff-brazilian-goods-could-jack-up-us-burger

 

www.wsj.com/economy/trade/trump-tariffs-countries-goods-explained 

Inner Circle Stocks

Posted on by

Certainly! Here’s a list of stock market symbols (tickers) for the companies or ETFs mentioned in the response:

🔹 Financial Institutions

Company Name Ticker Symbol
JPMorgan Chase JPM
Bank of America BAC
PNC Financial Services PNC
Wells Fargo WFC
Morgan Stanley MS
Santander Bank SAN
BlackRock BLK

🔹 Tech & IT

Company Name Ticker Symbol
Google (Alphabet) GOOG / GOOGL
Amazon AMZN
Oracle ORCL
Accenture ACN
IBM IBM
Microsoft MSFT
Meta Platforms (Facebook) META
Uber Technologies UBER
Teladoc Health TDOC
Redfin RDFN

🔹 Pharma, Biotech, & Health

Company Name Ticker Symbol
Pfizer PFE
AbbVie ABBV
Gilead Sciences GILD

🔹 Consumer Goods & Food

Company Name Ticker Symbol
Kraft Heinz KHC
Mondelez International MDLZ
Altria Group MO
Philip Morris Intl. PM

🔹 Energy & Materials

Company Name Ticker Symbol
Vulcan Materials VMC
Teledoc / Teledoc Health TDOC
Vivint Smart Home VVNT (acquired; now part of NRG)

🔹 Other / Specialty

Company Name Ticker Symbol
Invesco Ltd. (asset mgmt) IVZ
Cedar Fair (amusement parks) FUN
DuPont de Nemours DD

🔹 FAANG Stocks (grouped reference)

Name Ticker Symbol
Facebook META
Apple AAPL
Amazon AMZN
Netflix NFLX
Google GOOGL / GOOG

Let me know if you’d like ETF equivalents (e.g., for S&P 500, tech, or defense sectors), or if you want help tracking insider trading via Form 4 filings.

You said:
ETF equivalents please 
ChatGPT said:

Sure! Below are ETF equivalents for the industries and stocks mentioned earlier. These ETFs give broad exposure to each sector or group of companies and are commonly used by institutional and individual investors.

🔹 Finance / Banking ETFs

ETF Name Ticker Focus
Financial Select Sector SPDR XLF Large U.S. banks and financials (e.g., JPM, BAC)
SPDR S&P Bank ETF KBE Equal-weighted U.S. bank stocks
iShares U.S. Financials ETF IYF Broad U.S. financials sector
Invesco KBW Bank ETF KBWB Large national and regional banks

🔹 Technology ETFs

ETF Name Ticker Focus
Technology Select Sector SPDR XLK U.S. tech giants like MSFT, AAPL, ORCL, IBM
Invesco QQQ Trust QQQ Tracks NASDAQ-100; heavy FAANG weighting
Vanguard Information Tech ETF VGT Broad tech exposure; includes software & hardware
iShares U.S. Technology ETF IYW U.S. tech industry; GOOG, META, AMZN included

🔹 Pharma, Biotech & Healthcare ETFs

ETF Name Ticker Focus
Health Care Select Sector SPDR XLV Large healthcare companies (Pfizer, AbbVie)
iShares U.S. Healthcare ETF IYH Broad health sector
iShares Nasdaq Biotechnology ETF IBB Biotech firms like Gilead
SPDR S&P Pharmaceuticals ETF XPH Equal-weighted U.S. pharma companies

🔹 Consumer Goods & Staples ETFs

ETF Name Ticker Focus
Consumer Staples Select Sector SPDR XLP Food, tobacco, household (MO, PM, KHC, MDLZ)
Vanguard Consumer Staples ETF VDC Broad exposure to U.S. consumer staples
iShares U.S. Consumer Goods ETF IYK Covers discretionary and staples (includes Kraft)

🔹 Real Estate ETFs

ETF Name Ticker Focus
Vanguard Real Estate ETF VNQ REITs and real estate holdings
iShares U.S. Real Estate ETF IYR U.S. REITs and property groups

🔹 Energy & Utilities ETFs

ETF Name Ticker Focus
Energy Select Sector SPDR XLE Oil & gas, energy infrastructure
Vanguard Energy ETF VDE Broad U.S. energy sector
iShares U.S. Energy ETF IYE U.S. oil, gas, and energy firms
Utilities Select Sector SPDR XLU Electricity and utility providers

🔹 Defense & Aerospace ETFs

ETF Name Ticker Focus
iShares U.S. Aerospace & Defense ETF ITA Defense contractors (Lockheed, Raytheon, etc.)
SPDR S&P Aerospace & Defense ETF XAR Equal-weighted exposure to U.S. defense stocks
Invesco Aerospace & Defense ETF PPA Diversified exposure to U.S. defense/aviation

🔹 General U.S. Market / Large-Cap ETFs

ETF Name Ticker Focus
SPDR S&P 500 ETF SPY Tracks S&P 500
Vanguard Total Stock Market ETF VTI Entire U.S. stock market
iShares Russell 1000 ETF IWB U.S. large-cap equity

QQQQQQQQ

ChatGPT said:

Certainly! Here’s a list of stock market symbols (tickers) for the companies or ETFs mentioned in the response:

🔹 Financial Institutions

Company Name Ticker Symbol
JPMorgan Chase JPM
Bank of America BAC
PNC Financial Services PNC
Wells Fargo WFC
Morgan Stanley MS
Santander Bank SAN
BlackRock BLK

🔹 Tech & IT

Company Name Ticker Symbol
Google (Alphabet) GOOG / GOOGL
Amazon AMZN
Oracle ORCL
Accenture ACN
IBM IBM
Microsoft MSFT
Meta Platforms (Facebook) META
Uber Technologies UBER
Teladoc Health TDOC
Redfin RDFN

🔹 Pharma, Biotech, & Health

Company Name Ticker Symbol
Pfizer PFE
AbbVie ABBV
Gilead Sciences GILD

🔹 Consumer Goods & Food

Company Name Ticker Symbol
Kraft Heinz KHC
Mondelez International MDLZ
Altria Group MO
Philip Morris Intl. PM

🔹 Energy & Materials

Company Name Ticker Symbol
Vulcan Materials VMC
Teledoc / Teledoc Health TDOC
Vivint Smart Home VVNT (acquired; now part of NRG)

🔹 Other / Specialty

Company Name Ticker Symbol
Invesco Ltd. (asset mgmt) IVZ
Cedar Fair (amusement parks) FUN
DuPont de Nemours DD

🔹 FAANG Stocks (grouped reference)

Name Ticker Symbol
Facebook META
Apple AAPL
Amazon AMZN
Netflix NFLX
Google GOOGL / GOOG

Let me know if you’d like ETF equivalents (e.g., for S&P 500, tech, or defense sectors), or if you want help tracking insider trading via Form 4 filings.

You said:
ETF equivalents please 
ChatGPT said:

Sure! Below are ETF equivalents for the industries and stocks mentioned earlier. These ETFs give broad exposure to each sector or group of companies and are commonly used by institutional and individual investors.

🔹 Finance / Banking ETFs

ETF Name Ticker Focus
Financial Select Sector SPDR XLF Large U.S. banks and financials (e.g., JPM, BAC)
SPDR S&P Bank ETF KBE Equal-weighted U.S. bank stocks
iShares U.S. Financials ETF IYF Broad U.S. financials sector
Invesco KBW Bank ETF KBWB Large national and regional banks

🔹 Technology ETFs

ETF Name Ticker Focus
Technology Select Sector SPDR XLK U.S. tech giants like MSFT, AAPL, ORCL, IBM
Invesco QQQ Trust QQQ Tracks NASDAQ-100; heavy FAANG weighting
Vanguard Information Tech ETF VGT Broad tech exposure; includes software & hardware
iShares U.S. Technology ETF IYW U.S. tech industry; GOOG, META, AMZN included

🔹 Pharma, Biotech & Healthcare ETFs

ETF Name Ticker Focus
Health Care Select Sector SPDR XLV Large healthcare companies (Pfizer, AbbVie)
iShares U.S. Healthcare ETF IYH Broad health sector
iShares Nasdaq Biotechnology ETF IBB Biotech firms like Gilead
SPDR S&P Pharmaceuticals ETF XPH Equal-weighted U.S. pharma companies

🔹 Consumer Goods & Staples ETFs

ETF Name Ticker Focus
Consumer Staples Select Sector SPDR XLP Food, tobacco, household (MO, PM, KHC, MDLZ)
Vanguard Consumer Staples ETF VDC Broad exposure to U.S. consumer staples
iShares U.S. Consumer Goods ETF IYK Covers discretionary and staples (includes Kraft)

🔹 Real Estate ETFs

ETF Name Ticker Focus
Vanguard Real Estate ETF VNQ REITs and real estate holdings
iShares U.S. Real Estate ETF IYR U.S. REITs and property groups

🔹 Energy & Utilities ETFs

ETF Name Ticker Focus
Energy Select Sector SPDR XLE Oil & gas, energy infrastructure
Vanguard Energy ETF VDE Broad U.S. energy sector
iShares U.S. Energy ETF IYE U.S. oil, gas, and energy firms
Utilities Select Sector SPDR XLU Electricity and utility providers

🔹 Defense & Aerospace ETFs

ETF Name Ticker Focus
iShares U.S. Aerospace & Defense ETF ITA Defense contractors (Lockheed, Raytheon, etc.)
SPDR S&P Aerospace & Defense ETF XAR Equal-weighted exposure to U.S. defense stocks
Invesco Aerospace & Defense ETF PPA Diversified exposure to U.S. defense/aviation

🔹 General U.S. Market / Large-Cap ETFs

ETF Name Ticker Focus
SPDR S&P 500 ETF SPY Tracks S&P 500
Vanguard Total Stock Market ETF VTI Entire U.S. stock market
iShares Russell 1000 ETF IWB U.S. large-cap equity


Inner Circle Overview

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among the White House inner circle, the cabinet, the president, military and other close advisors … what industries do these staff or their families control directly or in which do they hold major stock positions or serve on the boards of directors ?
ChatGPT said:

Here’s a breakdown of reported industry ties and holdings among top White House figures—including the president’s inner circle, cabinet members, military advisors, and others—with a focus on industries, boards, and family interests:

🏛️ Treasury & Economic Figures

Tom Krause (lead of Treasury “DOGE” team) & colleagues:

  • Hold major stock positions in big banks (JPMorgan Chase, Bank of America, PNC, Wells Fargo, Morgan Stanley, Santander) and large tech/government contractors (Accenture, Oracle, Google, Amazon, Intuit)quiverquant.com+9propublica.org+9citizensforethics.org+9politico.com.
    → Possible conflict given Treasury’s role in debt issuance, payments, IRS initiatives.

Gary Cohn (former Trump NEC Director, adviser to current leadership too):

  • Ex‑Goldman Sachs COO with substantial investments/dividends tied to Goldman.

  • Serves on boards and advisory roles in tech (IBM, blockchain/cybersecurity startups like Hoyos Integrity, Spring Labs, Sotera Digital) politico.comen.wikipedia.org.

Cabinet-Level Interests

Trump-era

Jared Kushner & Ivanka Trump:

Steve Bannon:

Kellyanne Conway:

  • Owns modest stakes (under $200K) in consumer staples, pharma, and tobacco: Pfizer, Kraft Heinz, Mondelez, Altria, Philip Morris cbsnews.com+1foxbusiness.com+1.

Wilbur Ross:

  • Made a fortune restructuring distressed assets in steel, coal, telecom, textiles, and held board roles across dozens of firms en.wikipedia.org.

Elaine Chao (Sec. of Transportation):

Biden-era

Cabinet members by and large divested publicly traded stock to avoid conflictreddit.com+6citizensforethics.org+6citizensforethics.org+6. Exceptions:

  • Jennifer Granholm (Energy Sec.): retained small stakes in energy, finance, healthcare, real estate, and tech sectors (Invesco, Gilead, Cedar Fair, Vivint, Redfin, Teledoc, Uber) —likely de minimis citizensforethics.org.

  • Tom Vilsack (Ag Sec.): retained minor stock interest, also likely de minimis .

White House Senior Staff

Biden senior aides

Other senior officials sometimes retained small holdings in tech/growth stocks (Microsoft, Facebook, Google, IBM) until divestment reddit.com+3citizensforethics.org+3foxbusiness.com+3.

Trump-era staff

CNBC analysis shows staff held stocks in Apple, GE, Microsoft, and contract-heavy firms —like Lockheed Martin, General Dynamics, United Technologies— common among defense and industrial advisors cnbc.com.

Broader Executive Branch Trends

  • Over 1,800 federal officials (2016–21) reportedly held FAANG stocks while their agencies oversaw those firmsreddit.com+2foxbusiness.com+2reddit.com+2.

  • Senior staff in Defense and EPA held holdings in aerospace, defense, oil, and gas sectors totaling up to $3.4 M and nearly $2 M, respectively reddit.com.

Summary Table

Person/Group Industries / Firms Held or Influential In
Tom Krause & DOGE team Major banks, tech, contractors
Gary Cohn Goldman Sachs, IBM, tech/biotech start‑ups
Kushner & Ivanka New York real estate
Steve Bannon Media, data firms, entertainment
Kellyanne Conway Pharma, food, tobacco stocks
Wilbur Ross Steel, coal, telecom, textile restructuring
Elaine Chao Shipping (family), construction materials (Vulcan)
Jennifer Granholm Energy, finance, healthcare, real estate, tech – small retained stakes
Catherine Russell (via spouse) BlackRock (investment management)
Ryan Montoya Cryptocurrency holdings
Susan Rice Tech, pharma, chemicals, timber, venture capital
Broader staff & exec branch FAANG, defense, aerospace, oil & gas stocks

⚖️ Ethical Implications

  • Trump-era figures often retained substantial assets in sectors directly overseen by their agencies—raising strong conflict concerns.

  • Biden-era officials have generally resigned or divested from problematic holdings; exceptions usually involve de minimis or mitigated holdings (via recusal, spousal holdings, etc.).

Overall, the pattern shows common White House ties to key sectors: finance (banks, BlackRock, Goldman), tech (FAANG, IBM, startups), defense/aerospace, energy, real estate, healthcare/pharma, and commodities/mining—with varying levels of transparency and mitigation efforts over time.

Key News on Political Financial Conflicts

'Glaring red flag': Treasury DOGE team discloses bank stock holdings

politico.com

‘Glaring red flag’: Treasury DOGE team discloses bank stock holdings
May 14, 2025

Drones for Property Mgmt

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Here are specific models known for strong performance in small-facility settings:

Brand / Model Key Features Best For
DJI Mavic 3T 4K camera, 56x hybrid zoom, thermal imaging, 45-min flight time General security, roof inspections, night monitoring
DJI Air 3 Dual camera (wide + telephoto), obstacle sensing, compact Daylight security patrols, detailed visual inspections
Skydio 2+ AI-based obstacle avoidance, autonomous flight, GPS tracking Autonomous patrols, complex environments
Parrot Anafi USA Thermal + 32x zoom, GPS, rugged, secure data Sensitive sites, thermal inspections
Autel EVO II Dual 640T Dual 8K visual + FLIR thermal camera, 38-min flight time Night surveillance, equipment inspection

Corporate 3 day Rentals

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what are weekend rentals in San Diego going for for apartments whose target market are visiting business persons ? what are such rentals called and how are they taxed and best managed?

ChatGPT said:

Here’s what I found regarding weekend rentals in San Diego catering to business travelers:

🏨 What they’re called

💵 Typical pricing for weekend stays

Local providers report:

While advertised as “monthly,” many accept shorter stays over weekends with prorated nightly rates.

🧾 How they’re taxed in San Diego

  1. Transient Occupancy Tax (TOT)

  2. Business Tax & STRO License

  3. Rental Unit Business Tax

  4. Income Tax

    • Federal: report income on Schedule E (if no services) or Schedule C (if services offered), with self‑employment tax implications bnbcalc.com.

    • State: California income tax applies (1–13.3%)avalara.com+2bnbcalc.com+2westcoasthomestays.com+2.

    • Tax deductions possible: mortgage, utilities, cleaning, depreciation, etc. .

  5. 14‑Day Rule

🔧 Best practices for management

  • Use a property manager experienced with business‑oriented rentals—they can handle marketing, guest screening, cleaning, maintenance, and compliance with local rules bnbcalc.comself.com+10swellproperty.com+10bnbcalc.com+10.

  • Market toward business travelers by highlighting high‑speed Wi‑Fi, ergonomic workspaces, and proximity to business hubs or the Convention Centeraltovita.com+1self.com+1.

  • Choose between STR vs mid‑term rentals:

  • Keep meticulous financial records: track income, dates rented, fees paid, and expenses for accurate tax filing and potential deductions .

✅ Summary table

Aspect Details
Type of rental Corporate housing / aparthotel
Nightly rates ~$120–167 for 1–3 BR
TOT rates 11.75%–13.75% based on zone
Licenses needed STRO license (Tier 1–4); Business Tax Certificate
Annual tax Rental Unit Business Tax if ≥6 days
Income taxes Federal + CA income tax; deductions available
Mgmt tips Use property management, market to business guests, track finances meticulously

If you’re planning to operate such rentals, it’s wise to consult with a local accountant or property‑management specialist to ensure full compliance with San Diego’s regulations and optimize tax efficiency. Want help finding a manager or diving deeper into zoning or tax brackets? Just say the word!

You said:
would my taxes local and state be for six nights a month at $167 each the night. How much tax would pass on to the guest and how much tax would not absorbed by the owner? am I right to assume there would be no federal tax other than income?
ChatGPT said:

You’re mostly right. Let’s break it down with your example and clarify each tax component step by step:

🧾 Your Example Rental Scenario:

  • 6 nights per month

  • $167/night

  • Monthly gross revenue: $167 × 6 = $1,002

✅ 1. Local Taxes (Passed to Guest)

a. Transient Occupancy Tax (TOT)

San Diego charges 11.05%–13.05%, depending on location. Let’s assume 11.05% for this example.

  • TOT = $1,002 × 11.05% = $110.74

  • ✅ This is passed to the guest, not absorbed by you.

  • Platforms like Airbnb and VRBO often automatically collect and remit TOT for hosts, but if you book directly, you must do this yourself (monthly filing with the City Treasurer).

✅ 2. City of San Diego Business Taxes (Owner Responsibility)

a. Short-Term Residential Occupancy (STRO) License

Required for renting <30 days. This is a yearly license fee, not charged per guest.

  • Tier-based based on how and where you rent. If you’re not onsite, likely Tier 3 or 4:

    • Fee range: $200–$1,100/year

b. Business Tax Certificate (BTC)

Annual requirement for anyone doing business in San Diego.

  • Fee: ~$34–$100/year depending on revenue and entity type

c. Rental Unit Business Tax

This is a yearly tax charged if you rent out the property more than 6 days/year (you would).

  • Estimated at ~$50–$150/year

✅ These are fixed annual obligations. They are not passed to guests — you pay them.

✅ 3. State of California Taxes (Owner Responsibility)

  • California income tax applies to the profit (net income) you earn from the rental.

  • Tax rate: 1%–13.3%, depending on your total income bracket.

  • You can deduct related expenses (cleaning, utilities, supplies, depreciation, platform fees).

✅ This is your responsibility, not passed to the guest.

✅ 4. Federal Taxes

You’re correct:

  • No federal taxes like sales tax or TOT.

  • You’ll report rental income on Schedule E (or Schedule C if you’re offering hotel-like services).

  • Federal income tax rates apply based on your income bracket.

  • You can deduct related expenses — potentially reducing your taxable profit.

📊 Summary Table

Tax Type Rate/Cost Who Pays It? When
TOT (Transient Tax) 11.05% (~$110/mo) Guest pays Monthly
STRO License $200–$1,100/year Owner pays Annually
Business Tax Cert. $34–$100/year Owner pays Annually
Rental Unit Biz Tax $50–$150/year Owner pays Annually
CA Income Tax 1–13.3% on profit Owner pays Yearly (filed with CA FTB)
Federal Income Tax Based on bracket Owner pays Yearly (IRS)

💡 Net Effective Tax Burden

  • Of the $1,002/month, about $110 in TOT is passed to the guest.

  • The rest (licenses + income taxes) are your responsibility, but can often be deducted as business expenses.

Want a calculator to estimate your federal + state income tax on this? I can build a custom one for your tax bracket and deduction assumptions.

Big Beautiful Bill? Boondoggle?

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What do financial commentators or economists think are some of the possibilities will happen (within a week, month or 90 days) when the “Big beautiful Bill” is signed into law, possibly as soon as today 7/3/25

Here’s a snapshot of what economists and financial commentators are predicting could happen in the short-to-medium term (within a week, one month, and up to 90 days) if the “One Big Beautiful Bill” (aka “Big Beautiful Bill”) becomes law—potentially any day now:

📈 Within a Week

  • Stock market rally: Wall Street has already begun to price in the bill. The S&P 500 recently hit an all-time high, with analysts linking the surge to investor optimism around potential tax cuts and deregulation under the bill  .
  • Treasury yields edge up: Short-term U.S. Treasury bond yields may tick upward, as investors brace for the bill’s projected surge in federal debt—estimated at around $3.3 trillion to $4.5 trillion over 10 years  .Axios

📅 Over the Next Month

  • Volatility related to implementation details: Analysts warn that because the bill contains dense, last-minute legislative text, markets may react sharply to granular elements—like changes in charity deductions, auto-loan interest breaks, or adjustments to gambling deductions ().
  • Spike in bond issuance & fiscal pressure: Treasuries may need to offer higher yields to sell mounting debt, especially if the Federal Reserve pairs this with rate hikes—raising borrowing costs economy-wide ().

⏳ Over 90 Days

  • Deficit & credit rating concerns: Agencies like Moody’s and CBO estimates suggest federal deficits could swell by $3–4 trillion over a decade. Credit-score agencies have signaled warnings—any further downgrade could elevate long-term borrowing costs ().
  • Interest rates and inflation pressures: With cutting clean-energy incentives and boosting defense spending, consumer prices—especially energy and electricity—may rise, intensifying inflation concerns. This could pressure the Fed to tighten further ().
  • Health care & social impact fallout: The bill’s Medicaid and SNAP rollbacks are forecast to cause 11–17 million Americans to lose coverage—sparking public backlash, possible state-level interventions, and increased political volatility  .
  • Political headwinds: Democrats are already framing the bill as “tax breaks for billionaires,” and intend to capitalize on it politically—potentially shifting investor sentiment into election 2026  .

Summary Table

Timeframe

Market & Economy

Political & Social

Within 1 week

Stock indexes up; bond yields nudge upward

Treasury issuance ramps up

Within 1 month

Volatility on bill fine print; yields rising

Public pushback as provisions unfold

Within 90 days

Higher yields, inflation pressures, potential downgrades

Health/social consequences, election leverage

In essence:

  • Short term: Likely a market rally driven by tax cuts, with rising bond yields.
  • Mid term: Focus will turn to fiscal implications—debt issuance, yield curve pressure, and detail-driven volatility.
  • Longer term (90 days): Watch for inflation, potential credit downgrades, political backlash, and the economic drag from program cuts (healthcare/energy/consumer protections).



 Democrats…


Source: ChatGPT
edited and formatted by Whitworth LLC


Drone Legalese – Calif

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  Have you ever been tempted to buy a $99 drone from Temu or Amazon? They often fly away by themselves according to many reviewers …

Why: roof inspections, beach and canyon photography, photo tours for FSBO (for sale by owner) publicity.

I first bought a low end drone in 2023. It had a microscopic not-exactly–English brochure which I could barely read without laughing. But I admired their capitalistic  confidence – plus – I learned something thanks to chatGPT, what “gravity induction” means in the context of a drone.

Additionally chatGPT …

1. recommended a better drone that is not too expensive to lose but not so cheap that is useless.

2. recommended documentation sources and online classes

3. warned of FAA and state legal requirements … the responsibility of each individual…

…

ChatGPT said:

Thanks for your questions — sounds like you’re diving into the drone world with a practical goal in mind. Let’s break it down clearly:

📘 1. What might “Gravity Induction” mean in a drone context?

This likely refers to “Gravity Induction” or “Gravity Sensor Mode.”

In gravity induction mode, you can tilt your smartphone or controller to steer the drone — instead of using the regular joystick/thumbstick method.

  • Example: Tilt your phone forward to make the drone fly forward.

  • It’s a gimmick-style control, often used in toy drones or beginner drones.

  • Useful for simple fun, not precise enough for serious tasks like roof inspections.

🚁 2. Better Drone Recommendation for Learning (Not Too Expensive or Cheap)

You’re looking for a drone that:

  • Is good enough to learn real flight/navigation.

  • Is not so costly that it hurts if you crash it.

  • Has English support/documentation.

  • Can serve as a step toward doing roof inspections.

✅ Top Choices Under $300 (Beginner-Intermediate, Reliable):

Drone Price (est.) Why It’s Recommended
DJI Mini 2 SE ~$279 GPS, 2.7K camera, good for learning & basic inspections. Lightweight & reliable.
Holy Stone HS720E ~$270 4K EIS camera, GPS return-to-home, decent battery life, comes with English manual.
Potensic Atom SE ~$259 4K camera, GPS, beginner-friendly, lightweight. Surprisingly solid for the price.

➡️ Best pick for roof inspection training: DJI Mini 2 SE — it’s under the FAA registration limit (249g), good camera, GPS-stabilized, and very intuitive with lots of tutorials available.

📚 3. Documentation & Learning Sources (Flight + Roof Inspections)

Here are a few trusted, beginner-friendly resources:

🧭 Flight Training / Drone Navigation Basics

🏠 Roof Inspection Skills (using drones)

🧩 Final Notes

  • Stay away from very cheap drones (<$100) unless you’re just learning indoors.

  • The DJI Mini series is a sweet spot between affordability and capability.

  • Once you’re confident with flight, consider Part 107 certification if you plan to charge for roof inspections.

Would you like help choosing between those drone options based on your exact goals (e.g., residential roofs, steep pitches, photos vs thermal, etc.)?

You said:
what does part 107 certification cost? I live in California. Is there also California bureaucracy?
ChatGPT said:

Great questions — here’s a clear breakdown tailored for California:

🛫 What is Part 107 Certification?

Part 107 is the FAA’s commercial drone license. If you want to fly drones for business (e.g., roof inspections, real estate, construction, etc.), this license is required in all U.S. states, including California.

💲 Part 107 Certification Costs

Item Cost
FAA Knowledge Test $175 (paid to the testing center, e.g., PSI)
Study Materials (optional) Free – $250+ (depending on source)

✅ Minimum total: $175

(If you self-study using free resources)

📍 California-Specific Bureaucracy?

No additional California license is required just to fly drones commercially. However:

  • State privacy laws apply — e.g., you can’t fly over private property for inspections without permission.

  • Local ordinances: Some California cities or counties (e.g., L.A., San Francisco) have extra drone flight restrictions — mainly around parks, schools, airports, etc.

  • Business license: If you’re charging for inspections, you’ll need a basic California business license (usually through your city).

📘 Recommended Study Resources (Free + Paid)

Resource Type Cost Notes
FAA Part 107 Study Guide PDF Free Link here
Pilot Institute Online course $149 Excellent, pass guarantee, video-based
Drone Launch Academy Online course $199 Focused on drone business use
Tony Northrup YouTube Video Free Search “Part 107 free course”

🧭 Summary

Item Details
Certification Cost $175 test fee
California extras No drone license, but respect local privacy & flight rules
Best path Study for free or pay for a course → Schedule FAA test at PSI center near you (available throughout CA)

Would you like a map of Part 107 testing centers near you, or help deciding which study method fits your schedule and budget best?

You said:
yes
ChatGPT said:

Here are the Part 107 testing centers near San Diego—ideal for scheduling your FAA knowledge exam:

Golden State Flying Club
Golden State Flying Club
Open now until 7:00 PM

·

Lounge
PSI FAA knowledge tests near SD. letsflysandiego.com

Directions

Website

Call

Pinnacle Aviation Academy
Pinnacle Aviation Academy
Closed until Tue 9:00 AM
4.8(30 reviews)
Another PSI‑administered center at Palomar. letsflysandiego.com

Directions

Website

Call

✅ Step-by-Step: Scheduling & Cost Breakdown

📝 1. Cost & Registration

🏢 2. Choosing a Testing Center

🔄 3. Scheduling Tips

  • Book well in advance—slots fill up, especially on weekends and evenings.

  • Pro tip: Avoid system issues around midday; morning sessions tend to go smoother .

📅 4. On Test Day

Arrive early with:

You’ll hand over electronic items (phones, watches, etc.) and be provided scratch paper and pencil for test useletsflysandiego.com+7peltierphotocourses.com+7specializedheli.com+7.

🧭 5. Post-Test Process

🛫 Follow-Up Regulatory Steps

  • No separate California license needed for commercial drone work.

  • For operating a business, you may need a city business license and must always respect privacy laws and local flight restrictions (parks, schools, controlled airspace, etc.).