#investment

1. Fiserv is billions of dollars in debt
   2.profits dropped by 25%
2. Clover lawsuit class action lawsuit underway.
3. Lawsuit from 44% drop in stock underway. Billions lost
4. Investment in AI with no immediate revenue stream to support it.
5. Investigation by Senate on contracts
6. Media stock analyst saying do not invest in Fiserv

What is going on with those two love birds? Are they still bringing 5100 jobs to the Train station? I ask because an investment / real estate project is banking on that and I don't see it happening.

Well, over the past month we watched our stock just tumble and tumble.... and then tumble some more and watched our stock investments just collapse.

I initially thought the price would see a hold before it got to $250 per share - but didn't happen. Now we are well on our way to $225 per share and at the rate the stock is falling it is well possible that we can crash to $200 by end of year ( next 5 weeks).

Which then begs the question, how low will stock price go before our Board has to take very aggressive measures to curtail the investment losses ( and protect themselves)?

I think at this point the Board was already in discussions to implement layoffs in Q1/26 but at the steady rate the stock is falling combined with a global economy that shows significant signs of the onset of a recession, I am fearful the layoff discussions the Board is having will very well have to be amped up even higher to offset the stock collapse.

Making matters even worse, our Board could not have picked a worse time to shut down our ERP Maintenance biz, which has been the stalwart of a very profitable and steady income stream - we will all live to regret this move.

Does anybody know how much has been spent on it already?

Quantum is not even close to commercial viability despite what AK likes to spout.

https://www.wsj.com/tech/quantum-could-be-techs-next-big-thing-but-for-investors-its-all-about-timing-aeebc9ff

Quantum computing has made big strides in recent years, but there’s danger in getting in too early

By: Asa Fitch
Nov. 7, 2025 5:30 am ET

Quantum computing is drawing renewed attention owing to a recent advance from Google and talk of the U.S. government taking stakes in companies working on the technology. But the industry has a way to go before the rewards for investors outweigh some glaring risks.

Most U.S.-listed quantum stocks have risen sharply in recent months, including IonQ IONQ which has nearly doubled in the past six months, and D-Wave Quantum QBTS which has more than quadrupled.

That enthusiasm reflects budding interest in an industry that, like artificial intelligence, may become a crux of geopolitical competition that the U.S. seeks to dominate. But it also reflects quantum computing’s significant underlying promise.

Quantum computers make calculations differently than conventional computers. Instead of representing data with bits that can be either one or zero, quantum computers harness the quantum-mechanical properties of so-called qubits that can be a combination of the two at the same time.

That tweak allows quantum computers to juggle more possibilities at once, opening the way for solutions to problems that would take conventional computers a near eternity. A powerful quantum computer, for example, could test complex molecular combinations quickly, potentially leading to the rapid discovery of new dr-gs. Already, scientists have used quantum computers to identify materials that could make solar cells more efficient, simulate Airbus’s aircraft performance and optimize power grids.

But performance is uneven. Even today’s most advanced quantum computers for the most part don’t outperform regular computers in arenas where quantum computing should excel. That is mostly because today’s quantum computers don’t have electronic brains that are large enough and don’t fix calculation errors reliably enough.

And it has proven extremely difficult to build large and error-free quantum computers. Many of them have components that need to be cooled to near absolute zero for quantum effects to become usable. They are often physically large and delicate. International Business Machines IBM has been at it for about a decade and produces some of the most powerful quantum computers, but its most advanced system has just 156 qubits.

Analysts say quantum computers will need much larger numbers of qubits to tackle many problems ordinary computers can’t. IBM released a road map this year that lays out a path to 2,000 qubits in 2033. Google, the other Big Tech company considered a leader in the arena, has a quantum chip with 105 qubits and is aiming to hit a milestone of 1,000 qubits, although its timeline is less clear.

Google last month said its chip could make certain computations 13,000 times as fast as an ordinary computer, providing a taste of the advances that quantum computing could bring.

“Scalability is the primary question as you look from now to the next five years or the end of the decade,” said Wamsi Mohan, an analyst at Bank of America who covers the quantum computing industry. “If you can make them scalable then the usefulness of this technology really becomes quite significant.”

Who will win the scaling-up battle is far from clear. While IBM and Google have poured in money, so have their Big Tech rivals Amazon AMZN and Microsoft MSFT. One of the smaller listed quantum-computing players could also come in from below and prevail in the market. Or it could be a startup like PsiQuantum, which is building large-scale quantum computers in Australia and in Chicago, where it broke ground in September.

Quantum computing is so nascent that it isn’t even clear which basic technical approach to it will scale up best. Some companies, like IBM and Google, use materials cooled to near absolute zero. Others—including IonQ—use charged particles trapped and suspended in space. PsiQuantum uses the quantum properties of light.

For potential investors—including the Trump administration, which has denied The Wall Street Journal’s reporting late last month that it is considering taking stakes in companies including IonQ and D-Wave—there is therefore no lane for exposure to the quantum-computing phenomenon that doesn’t entail a big dose of risk. Any of today’s approaches could easily fail, just as Betamax lost out to VHS in the videotape format war decades ago. Early-stage government backing of one approach over another could also have the perverse impact of holding back the industry if the state bets on the wrong horse.

How long it will take to shake out is also uncertain. BNP Paribas analyst David O’Connor said in a recent note that quantum computing was now less of a science experiment than an engineering problem involving how to make computers bigger. That could take three or four years to work out, he estimates.

Whether that holds is hard to predict. But it seems likely that quantum computing will grow fast and generate significant returns for investors if those challenges get worked out. Mohan estimates quantum-computing revenue could reach $4.25 billion by 2030. That isn’t an incredible amount, but also nothing to laugh at: It is about what Nvidia NVDA was pulling in about a decade ago.

The question now is more one of when, not if, quantum computing becomes a technology worth investing in. And that could be a while.

https://www.nytimes.com/2025/11/14/business/bill-pulte-mobile-homes-fhfa.html

Have you looked at the 401K investment changes on the email from Monday? Seems like they are narrowing down our choices. And it’s odd that there is a Schwab IRA option. Aren’t they a competitor?!

I have a workable and thoughtful proposal, aiming to avoid layoffs completely while still achieving the desired cash flow for investment.
Here is a breakdown of the suggestion and some key aspects it addresses:
💡 Proposal Summary
• Goal: Avoid layoffs and fund a new investment.
• Method: Temporarily cut employee bonuses (10% to 50%) for two years.
• Investment: Use the saved bonus money to fund the project "Dan wanted to invest in."
• Incentive/Risk:
• Success: If the investment works after two years, the employees receive their deferred bonus money back as a lump-sum incentive for their sacrifice.
• Failure: If the investment fails, "Dan should accept the responsibility"
✅ Key Strengths of This Approach

1. Layoff Avoidance: This is the strongest benefit, maintaining team morale and institutional knowledge.
2. Shared Sacrifice: It frames the financial challenge as a company-wide effort, which can foster unity.
3. Incentivized Risk: The promise of a repayment and potential "extra incentive" acts as a performance bonus for the overall company strategy.
4. Accountability: The success or failure of the plan is tied directly to the leadership ("Dan") who proposed the investment, which could satisfy employees who are bearing the temporary cost.
   ❓ Considerations for Management
   While compelling, a management team would need to carefully consider the following details:
   • Legal/HR: The company would need clear legal agreements outlining the bonus deferral and repayment mechanism.
   • Employee Morale: Even with the promise of repayment, a 50% bonus cut for two years could lead to high-value employees leaving for competitors offering better immediate compensation.
   • Financial Math: They would need to ensure the 10-50\% cut actually yields enough cash to fully cover the required investment without jeopardizing other operational needs.
   • Definition of "Works": There needs to be a clear, measurable metric (e.g., specific ROI, revenue increase) defined now so there is no ambiguity about whether or not "Dan's plan" was successful two years from now.
   It's a creative way to turn a potential crisis (layoffs) into a shared, high-stakes investment with an immediate path to funding.

https://spectrumnews1.com/ky/louisville/news/2025/08/11/ford-electric-vehicle

I hope this is not another mistake like BOSK KY and BOSK TN. $5 billion mistake.

This is the best scenario for a turnaround.

Occidental Petroleum (OXY) is preparing for its Q3 earnings report, expected to show a 52% decline in earnings year-over-year. Recent developments, including a 10% drop in stock value and mixed analyst opinions, are reshaping the company's investment outlook.

Want to know what bold financial bets underpin this target? The narrative hinges on a game-changing revenue outlook and projected margin jumps over the next few years. See what specific assumptions drive the calculation and why consensus thinks a rerating might be ahead.

However, persistent losses in the Wind division and heavier exposure to volatile, large-scale projects could quickly reverse optimism around GE Vernova’s margin outlook.

Not looking Good Enough anymore is it?

The CA has long been a joke as almost every project that won the award eventually turned out to be a terrible investment or otherwise bad decision. CA seems to be the kiss of death. A lot of people have old CA plaques hiding in their desk drawers. Can anyone think of a CA effort that was well deserved and added value?

PEGATRON is one of the chain suppliers for Dell and Apple and Samsung.

PEGATRON Corporation, a leading global provider of AI computing services, has acquired a 168,784-square-foot facility in Georgetown, Texas, marking its first manufacturing site in the United States. This development underscores Texas's prominence in tech and AI industries, with PEGATRON’s investment bolstering the state’s growing tech infrastructure.

The company, based in Taiwan, specializes in the design, manufacturing, and service of a variety of electronic products, including notebooks, smartphones, game consoles, and smart home devices. The new Georgetown facility will help PEGATRON better serve its U.S. customers with improved solutions and services.

The project was made possible through collaborative efforts by the City of Georgetown, Williamson County, Opportunity Austin, the Texas Economic Development & Tourism Office, and the Austin Regional Manufacturing Association. PEGATRON plans to invest at least $35 million in the facility and hire hundreds of employees, with an initial goal of hiring 100 within the first three years.

The facility, located at 610 Blue Springs Blvd., is set to begin construction by the end of 2025. Local leaders, including Georgetown Mayor Josh Schroeder and Williamson County Judge Steve Snell, have expressed enthusiasm over the long-term economic impact, particularly in terms of job creation and growth in the region’s high-tech manufacturing sector.

The project also involves performance-based economic development agreements, which will be reviewed by local officials to ensure the commitment to capital investments and job creation is met.

https://www.wilcotx.gov/CivicAlerts.aspx?AID=698

An increasing number of Taiwanese companies are establishing a presence in Austin-area suburbs like Hutto, Taylor, and Georgetown. As more foreign companies invest in the U.S. tech sector for its strong economic fundamentals, some, like MD, are hiring foreign workers to slash down costs.

Over the past 12 months, the Pune and Penang R&D centers has not delivered any significant new products or features that have made a meaningful impact on roadmap or revenue. Given the scale of investment, the output from these sites appears misaligned with expectations, and they should seriously reassess the strategy, scope, and leadership of this team to ensure a better return on R&D spend.

https://economictimes.indiatimes.com/industry/banking/finance/banking/citibank-to-boost-investment-in-india-as-firms-eye-global-expansion-viswas-raghavan/articleshow/124917840.cms

We’re back.

AIG, Onex partner to buy specialty insurer Convex in $7 billion deal

Oct 30 (Reuters) - Canadian asset manager Onex (ONEX.TO), opens said on Thursday it has teamed up with U.S.-based insurer AIG (AIG.N),to buy privately held specialty insurer Convex Group in a $7 billion deal.

https://www.tradingview.com/news/zacks:1e2b0e7bc094b:0-verizon-vs-t-mobile-which-telecom-stock-should-you-bet-on/

https://investors.xerox.com/news-releases/news-release-details/xerox-releases-third-quarter-results-1

It's a question, not a statement.

We know they skipped the Goodwill testing and put it off until Q4. We also know they are required to do it once a year, and they absolutely have to in Q4.

If I'm reading this thing right, the Goodwill far exceeds the Total Equity. I know a lot of the one time losses will be gone on the Q4 call, but still, the EV could go to 0 or negative.

Ford Motor Co. is planning to invest approximately 32.5 billion rupees (about $370 million) in India to produce new engines.

Thoughts?

For everyone getting all bricked up about billion dollar investment announcements - just ask yourself some simple questions - where is the money? Do you see it anywhere on our books? Where is the new customer demanding any kind of capacity add?

I can tell you all day that I’m PLANNING to buy a lambo in the future - but you shouldn’t get too excited until you see it in my driveway.

It’s Q4 and it’s bleak - don’t believe the hype.

Are the other B’s getting investment and new projects or just Baytown?

For those of you that own stock in Humana, are you pleased with this year’s stock’s position? What are your feelings about 2026, in regards to Humana’s stock’s position?

there are whisperings of a future lp offering. Would anyone buy in? With assets out almost exceeding assets in, i will probably sit this one out

JPMorgan analyst Sebastiano Petti:

"We anticipate that Schulman will pursue an assertive strategy to accelerate Verizon's fiber footprint growth, with a heightened focus on convergence to lower churn and enhance consumer segment volumes and share. However, increased capital expenditures to support footprint expansion are likely to pressure free cash flow and impede the company's de-leveraging trajectory. As a result, we would not be surprised if Verizon suspends dividend growth to prioritize investment in growth initiatives and/or discretionary share buybacks."

https://www.investors.com/news/technology/att-stock-verizon-stock-dividend-tmobile-stock-new-ceo/?src=A00220

Check out Pat’s commentary grants vs investment..

Oh the headline is more click bait…the meat of the interview was intel and the fed government dollars

https://www.cnbc.com/video/2025/10/13/former-intel-ceo-pat-gelsinger-of-course-were-in-an-ai-bubble.html

Did Nvidia sell 10% stake at 0.01 per share ? No it's products are solid. This is betting the entire farm. Short term excellent but long term foolishness. Tell me I am wrong.

Segment 2: Broadcom x OpenAI and the AI capacity race

JIM CRAMER: We are here with Hock Tan, CEO of Broadcom. Stock is up nearly 10 percent on a big OpenAI partnership. Hock, you are not a cheerleader. What is the hard business case?

HOCK TAN: Customers building large language models need compute capacity, at scale. We invest to enable a small set of those builders, and we do it with purchase orders, not hopes.

JIM CRAMER: Power is the scare word. People are throwing around 18 Hoover Dams. Where does the juice come from?

HOCK TAN: The power exists. The challenge is making it usable. Do not chase one giant gigawatt site. Distribute 50 to 100 to 200 megawatt sites across the grid. Oracle, Google, Meta, Microsoft are securing capacity. With time, those locations become usable power.

JIM CRAMER: Custom silicon at scale without wrecking margins. How many partners can actually do this with you?

HOCK TAN: Very few. We learned a lot over eight years with Google on AI accelerators. Today we focus on about seven players pushing foundation models. Four are already real customers, meaning production purchase orders at scale.

JIM CRAMER: OpenAI is private, but you would not sign up unless the economics worked.

HOCK TAN: Correct. They are real, fast growing, and we look three to five years out. Generative AI is not a fad. It is how intelligence gets created in software.

JIM CRAMER: Competition. I am not starting a cage match with Jensen. Is there room for everyone?

HOCK TAN: Jensen is a friend. Demand for compute is more than doubling year over year. No single vendor can satisfy it. The race is performance per watt and performance per dollar, plus networking and software stack to run the models at scale.

JIM CRAMER: Everyone talks AI, but VMware and the rest of Broadcom matter. How are they doing?

HOCK TAN: VMware is growing and throwing off large free cash flow. One of our best assets.

JIM CRAMER: You have called this a secular wave. How big can it be?

HOCK TAN: Think railroads and the internet. Global GDP is roughly 110 trillion. About 30 percent is tech and knowledge driven. Generative AI can push that toward 40 percent. That is on the order of 10 trillion in added value annually over time. Spend a trillion a year and the returns can still be compelling.

JIM CRAMER: Translation for investors. You are meeting demand that already exists.

HOCK TAN: Yes. Our job is to deliver capacity and keep optimizing.

JIM CRAMER: Hock Tan, Broadcom CEO. Big day. Thanks for being here.

HOCK TAN: Thank you, Jim.

https://nypost.com/2025/10/07/business/jamie-dimon-says-jpmorgan-spends-2b-a-year-on-ai-and-breaks-even-with-savings/

Due to our autistic upper and middle management, that means we're probably at least 5 years out before we see any material benefit. I don't know how much we're spending on AI, but I guarantee it's just bleeding $. Dimon is a piece of work, but you can't deny JPM's success under his leadership either.

Apparently CS was Dimon's protege, which may have actually been one of his biggest mistakes, seeing how woefully bad CS is in comparison. The only thing CS has managed to "transform" in 6+ years is a massive culling of American jobs and an extremely disgruntled workforce. $30mm / year clown.

Is the margin reduction for reinvestment in employees, hiring, comp, or product development? The change in the vesting schedule is not significant. It would be prudent to reinvest in junior employees, new hires, engineers given the recent pressures the company has been facing.

How long do employees need to be at the company to be eligible for equity?

Investors have parted with unprecedented sums of money to help AI fulfil its lofty promise. But no one really knows how it will all pay off.

https://finance.yahoo.com/news/why-fears-trillion-dollar-ai-130008034.html

“But look at the stock price” was used as something of a justification for decisions like RTO and veneration of Stankey. Looked today though and the stock is effectively flat since early March and down vs. 6 months ago. S&P 500 is way up in that time period. Thank goodness I move my 401k match out of T and into investments that actually do something (for now)

It's the only rationale that makes sense in my mind. There is no innovation any more, oh apart from some earbuds, lol. Reduce the workforce, the wellbeing of which went out the window years ago because, well that costs money. They own some realestate probably worth a bit. But no investment at all. Any educated guesses as to when?

David Einhorn warns about "AI Spending Splurge"

Hedge fund manager David Einhorn cautioned that the unprecedented amount of spending on artificial intelligence infrastructure may destroy vast amounts of capital, even if the technology itself proves transformative.

The Greenlight Capital founder said the trillion-dollar build-out by companies overall, such as Apple Inc., Meta Platforms Inc. and OpenAI is so extreme that the eventual returns are highly uncertain. While he expects AI will ultimately surpass today’s bullish forecasts, he questioned whether “spending a trillion dollars a year or 500 billion a year” will deliver good outcomes for the firms making those investments.

Video here:

https://finance.yahoo.com/news/david-einhorn-sees-tremendous-capital-230951096.html

AAPL, META, GOOGL: Investors Could Be the Losers of AI Spending Splurge, Warns Hedge Fund Guru

“When David Einhorn speaks, the markets should listen,” said Kathleen Brooks, research director at XTB. “He is the hedge fund manager who pulled the rug from underneath the subprime mortgage market bo-m in 2007/2008. His warning could be seen as a threat to the lofty valuations of Google GOOGL +0.44% ▲ , Meta and Microsoft MSFT +0.42% ▲ . They have pledged some of the largest investments in AI infrastructure and are Nvidia’s NVDA -0.24% ▼ largest customers.”

More here, plus other articles if you scroll further down:

https://www.tipranks.com/news/aapl-meta-googl-hedge-fund-guru-einhorn-warns-that-investors-could-be-the-losers-of-ai-spending-splurge

Elliot is an activist vulture capitalist investment group. They buy company stock, bleed them dry and then move on like locust. They are the ones who ruined Southwest Airlines and canceled their longstanding "bags fly free" company policy.

They bought a large position of TI Stock in Spring 2024. They wrote a letter to the Board demanding that TI cut expenses and increase stock dividends. They have been pushing for a seat on the board, but have not gotten one yet. Shortly after the layoffs began and have become a quarterly occurrence.

An aggravating factor is that Chinese backed startups have poached our customers by underselling us. Demand for our biggest product lines have dropped in half, so the layoffs are becoming more intense.

Will Kaskida field development be a technical and commercial success?
Why does Kaskida not have other co-owners to differ cost and risk…

A conservative guess:
10years$100,000annual salary30 developers=$30,000,000 salary investment

That is just a salary investment guess. No idea on the infrastructure investment(offices, hardware required pipeline software, etc)

For comparison. MVA which was a smashing success likely was way less of an investment.

Chipmaker Nvidia plans to invest up to $100 billion in artificial intelligence startup OpenAI under a new agreement today. On the other hand, last week Nvidia is going to invest $5B in Intel. That's a 20:1 ratio... just shows you how much Intel is worth. Not much.

By Bloomberg

Sep 17, 2025

(Bloomberg) -- Exxon Mobil Corp. is shelving investments in chemical recycling in Europe due to what the energy giant says are overly restrictive rules on plastics.

The company will pause until further notice €100 million ($118 million) of investments in recycling in Antwerp and Rotterdam, the European Union’s petroleum-trading heartland, Senior Vice President Jack Williams said in an interview.

The EU is under mounting pressure to cut red tape to help industries grappling with high energy prices and myriad regulations compete in the global arena. The bloc’s leadership in policies to fight climate change faces growing challenges following the return to the White House of President Donald Trump, who’s in the UK for his second state visit.

“I find that a bit ironic given the EU is really taking a leadership role in terms of decarbonization, and we have a whole business set up for just that, and yet we can’t find competitive investments to make in Europe,” said Williams, one of the top executives running Exxon with Chief Executive Officer Darren Woods. “We were excited to be able to deploy chemical recycling at Rotterdam and Antwerp and unfortunately, at this point, we can’t.”

Without changes to EU regulations, Exxon is unable to resume projects designed to recycle 80,000 metric tons of plastic waste annually, he added.

It’s the latest sign of industrial discontent with EU rules. The European Commission, the bloc’s executive branch, has embarked on a program to streamline bureaucracy and regulations, but it’s not going far enough, Williams said.

Mario Draghi, former European Central Bank President and architect of a landmark roadmap to boost the region’s competitiveness, said this week the EU was “failing to match the speed” of a changing global order. Just 11% of the ideas he outlined in a paper published last year have been implemented, according to the European Policy Innovation Council.

“Our efforts are focused on supporting the competitiveness of the chemicals and recycling industries, by focusing on circularity and embracing innovation,” Jessika Roswall, EU environment commissioner, said in response to questions. “We are working on a clear and science-based framework — to make sure chemical recycling is done properly.”

The EU says that traditional mechanical plastic recycling is “typically preferred” as it’s less polluting and more energy efficient. The problem with that approach is that a lot of harder-to-recycle plastics end up going to landfills, according to Exxon. Williams said the Texas-based company has embarked on several similar chemical recycling projects in the US.

In May, Exxon announced its intention to sell its controlling stake in the Gravenchon refinery in northern France, which accounts for about 20% of the country’s refining capacity. It sold another French refinery and announced the closure of some petrochemical production, also in France, in 2024. The company has also been trying to sell its stake in Germany’s biggest-oil processing complex.

Williams also said that the EU’s due diligence rules for companies, known as CSDDD, which are designed to clean up supply chains and mandates climate transition plans, should be scrapped. The bloc is currently trying to make it easier for companies to adhere to them.

Exxon’s public reprimand is unusual. Williams’s remarks may catch the attention of Trump, whose supporters have sought to tie CSDDD to trade negotiations between the US and Europe.

A framework trade agreement between the EU and the US published in August said the bloc will make efforts to ensure the directive doesn’t “pose undue restrictions on transatlantic trade.”

CSDDD “forces companies to commit to transition plans that aren’t achievable because the policies and the technologies quite frankly just aren’t available to transition to net zero scope 3 emissions for many industry sectors,” Williams said. “The only choice is to reduce or cease operations.”

Scope 3 refers to indirect greenhouse gas emissions that a company doesn’t control, such as products from suppliers.

https://www.energyconnects.com/news/renewables/2025/september/exxon-halts-100-million-recycling-investments-due-to-eu-rules/