I treated my first $1,000 like $100,000. Set up accounts. Allocated profit. Logged patterns. It wasn't about the income. It was about identity. Money started showing up differently because I did. #NovaMosleyGad

As a former atheist with a PhD in psychology, I can confirm that a relationship with God is a more effective strategy for change than psychological theory. #NovaMosleyGad #NYC

Financial clutter looks like: •Ignoring taxes until April •Mixing business and personal money •Making decisions on vibes, not numbers This cost me stress, money, and bad choices. Build money routines and systems instead. Clean habits, clear mind. #NovaMosleyGad

If you own a business, you need to understand finance. Not advanced. Just the basics. Cash flow. Profit. Runway. Burn rate. You can't run what you can't read. #Nova Mosley Gad

Why NOWPayment is the best crypto gateway with the lowest fees NOWPayments stands out as the best crypto payment gateway with the lowest fees due to its user-friendly interface, a wide range of supported cryptocurrencies, and seamless integration with various e-commerce platforms. This payment gateway not only ensures quick and secure transactions but also offers competitive rates that make it an attractive option for businesses looking to minimize costs while maximizing efficiency. By choosing NOWPayments, merchants can enjoy the benefits of accepting cryptocurrency payments without the burden of high service fees, making it an ideal solution for both small and large enterprises. 2025 context In 2025, crypto payment gateways continue to evolve as established crypto payment processors, offering payment gateway provider services that help merchants to accept and use crypto safely. A secure crypto stack with trusted crypto payment gateway tools is crucial for scale. Look for a gateway that offers strong APIs, payment gateway solutions integrations, and choose a gateway with comprehensive cryptocurrency payment gateway documentation so you can test the payment process quickly and deploy a payment gateway for your business that supports various crypto assets.

Traditional DEXs Aren’t Doing Justice to Yield-Bearing Stablecoins, but There is a Solution! GUIDES DeFi, for all its permissionless liquidity and non-local trading advantages, still faces a major architectural flaw, one that has continued to cost liquidity providers millions of dollars annually. To elaborate, traditional automated market makers (AMMs) like Uniswap and Curve are primarily designed for static tokens that can maintain relatively stable relationships with one another or at least fluctuate in predictable patterns. What they weren’t built for, however, are assets that appreciate over time via certain yield generation mechanisms. As a result, when yield-bearing stablecoins (YBC) are deposited into these pools, something peculiar happens wherein they continue to accrue value through staking rewards, funding rate spreads, or other yield-generating mechanisms. Existing AMMs, however, have no means of recognizing or capturing this growth, leaving these rewards vulnerable to arbitrage. For instance, a review of Uniswap v3’s pool performance (covering 43% of its TVL) reveals that liquidity providers generated $199.3 million in trading fees, yet at the same time experienced a net loss of $60.8 million relative to simply holding their original assets. This is because arbitrageurs monitoring these pools can detect price discrepancies within seconds, executing trades that extract the accumulated yield from the pool, effectively transferring value that should have belonged to the liquidity providers into their own pockets (often multiple times per block during periods of high market activity). What makes this even more insidious is that liquidity providers may not even realize they’re losing value, as their token balances remain unchanged but the losses continue to manifest (not in quantity but in the opportunity cost of the foregone yield). Mounting hidden costs can become burdensome, quick! In addition to impermanent loss, the issue of capital efficiency is also a major problem. And, while platforms like Uniswap v3 have tried to allay these issues using the idea of concentrated liquidity (which enables liquidity providers to concentrate their capital within specific price ranges), the innovation falls short for yield bearing stablecoins. This is because their optimal range constantly shifts, forcing providers into a perpetual rebalancing act so much so that missing a single window can result in liquidity becoming idle, earning neither trading fees nor maintaining exposure to the asset’s yield. This is where Terminal Finance’s architecture differs from conventional frameworks, i.e., rather than attempting to retrofit traditional AMM mechanics to accommodate yield-bearing assets, its yield skimming mechanism treats any accumulated yield not as a price discrepancy to be arbitraged away, but as legitimate revenue belonging to the liquidity pool itself. So, for example, when Ethena’s sUSDe or other similar stablecoin pools generate returns, that yield is captured systematically and redistributed according to a set of predefined allocation rules. Liquidity providers receive their proportional share while a portion flows to the protocol and token holders, creating aligned incentives across all stakeholders. In other words, instead of watching arbitrageurs extract value that rightfully belongs to them, liquidity providers on Terminal benefit directly from the native yields of their deposited assets while simultaneously earning trading fees and protocol incentives. This tri-fold revenue stream of native yield, trading fees, and governance token rewards creates an economic model that can sustainably compete with centralized alternatives without relying on unsustainable token emissions or promotional rates. In fact, thanks to this novel setup, Terminal’s pre-deposit phase attracted over $280 million in committed capital (across USDe, WETH, and WBTC vaults) within sixty days of its launch. Not only that, the platform currently stands as the most traded asset on Pendle by volume and the largest protocol by TVL within the Ethena ecosystem. Looking ahead toward an increasingly digital future From the outside looking in, the broader crypto market has been shifting toward YBS as investors continue to seek out uses for their capital beyond speculative trading alone. Similarly, trad-fi institutions are taking notice as well, with BlackRock’s BUIDL fund backing USDtb, a tokenized Treasury product that Terminal supports as a base trading pair. Looking ahead, it stands to reason that the next evolution of DeFi will recognize that not all assets are created equal and that treating them identically (in protocol design) can and will lead to suboptimal outcomes for everyone except arbitrageurs. Interesting times ahead!

Banking giant sets date when gold will hit $5,000 Finance A banking giant is predicting that the gold rally is likely to continue into 2026, with the metal hitting new highs. Specifically, the commodity could soar past $5,000 per ounce by the end of 2026, driven primarily by strong buying from central banks, especially in emerging-market economies, according to J.P. Morgan Private Bank. Alex Wolf, the firm’s global head of macro and fixed income strategy, forecasts that gold could reach between $5,200 and $5,300 per ounce. If the highest target is achieved, it would imply a roughly 27% increase from the metal’s current value of $4,143. Wolf attributed the anticipated surge to growing demand for gold as a store of value and diversification tool among central banks, particularly in emerging markets. Increasing central bank purchases Central bank purchases have been a key driver behind gold’s remarkable rally over the past two years, with the metal reaching record highs above $4,380 per ounce in October before a recent pullback. Despite slightly lower purchases amid rising prices, Wolf expects central banks to keep building gold reserves. The World Gold Council reports they added 634 tonnes through September 2025, well above pre-2022 levels. Notably, China has been a major contributor to this trend, seeking to reduce its dependence on U.S.-centric financial markets. At the same time, the World Gold Council projects that central banks will buy between 750 and 900 tonnes of gold in 2025, further driving demand for the precious metal. It’s worth noting that gold has regained bullish momentum after briefly dipping below the $3,000 mark, climbing to its highest level in nearly three weeks amid expectations of a December Fed rate cut and progress toward ending the U.S. government shutdown. Key economic and financial data, including the non-farm payrolls report, were delayed by the shutdown. With government operations set to resume, investors expect greater clarity on the U.S. economic outlook and the Federal Reserve’s next policy moves.

Wall Street analyst updates Tesla stock price after Musk’s $1 trillion package approval Stocks Tesla’s (NASDAQ: TSLA) stock outlook has been updated following the approval of CEO Elon Musk’s massive $1 trillion pay package. In the latest assessment, Truist Securities analyst William Stein reiterated a ‘Hold’ rating and maintained a price target of $406 per share, implying a potential 7% downside from Tesla’s current trading level of about $439. According to Stein, shareholder approval of Musk’s compensation plan removes a major uncertainty surrounding the company’s leadership. However, he cautioned that Tesla’s most ambitious artificial intelligence (AI) projects, Full Self-Driving (FSD), robotaxis, and the Optimus robot, remain in early development and are still years away from generating meaningful revenue. Stein noted that while Tesla’s FSD system continues to show progress, it is “not performing as expected,” and warned of ongoing execution risks in scaling its AI-driven technologies. Despite optimism about Musk’s continued leadership, the analyst said near-term catalysts for the stock remain limited. Truist maintained its discounted cash flow-based valuation of $406 per share, reflecting a neutral stance as investors await clearer results from Tesla’s AI and robotics efforts. Musk’s pay package It’s worth noting that unlike traditional executives, Musk receives no salary or cash bonus. Instead, his payout depends entirely on performance-based stock options that vest only if Tesla hits a series of ambitious milestones. The latest pay package includes market capitalization targets from $2 trillion up to about $8.5 trillion, production of 20 million vehicles, 1 million robotaxis, and 1 million humanoid “Optimus” bots. The new plan builds on Musk’s earlier $56 billion 2018 package, which was struck down by a Delaware court but later reinstated by shareholders. While the $1 trillion figure represents potential value if all goals are achieved, analysts note that Musk could walk away with far less if Tesla fails to deliver on its lofty ambitions. Wall Street bearish on TSLA stock Across Wall Street, the American electric vehicle giant holds a consensus ‘Hold’ rating from 34 analysts tracked by TipRanks. Of these, 14 recommend ‘Buy’, 10 ‘Hold’, and 10 ‘Sell’. The average 12-month price target stands at $382.54, implying a 12.98% downside from the most recent closing price of $439.62. Price targets range from a high of $600 to a low of $19.05, underscoring the deep divisions among analysts regarding the electric vehicle maker’s near-term trajectory.

The best time to make money is when you don't need it. When tomorrow is funded, you stop negotiating from fear and start pricing from strength; your runway turns desperation into discipline. #Nova Mosley Gad

U.S. politician makes super suspicious housing stock trade amid Trump’s 50-year mortgage plan Congressman Tim Moore has made a notable housing stock purchase that’s drawing attention over its timing. According to financial disclosures, Moore purchased between $15,001 and $50,000 worth of LGI Homes (NASDAQ: LGIH) stock on October 30, 2025, just days before President Donald Trump began promoting his controversial proposal for 50-year mortgages. Since the transaction, LGIH shares have climbed more than 16%, while the S&P 500 has gained just 0.5% over the same period. By press time, LGIH was trading at $49 up almost 5% for the day. The timing and context of the Congress trade are of particular interest, given that LGI Homes specializes in building affordable, entry-level houses for first-time buyers, the exact market segment that would benefit most from longer mortgage terms. Suspicion arises because Moore sits on the House Financial Services Committee, which oversees U.S. housing and mortgage policy. His dual role as a policymaker and investor in a company that could gain from such policies has raised questions about the ethics of the trade. Controversy around Trump’s mortgage plan Trump’s 50-year mortgage proposal aims to make homeownership more affordable by extending the standard 30-year mortgage term to 50 years, thereby lowering monthly payments. For instance, a $400,000 loan at 6% interest would cost about $2,400 per month under a 30-year plan but roughly $2,100 under a 50-year loan. Proponents argue the idea could help younger Americans struggling with high borrowing costs. However, the plan has drawn criticism from economists and housing experts. Extending the loan period means homeowners would pay much more in total interest and build equity far more slowly. Critics warn the policy could drive home prices even higher, worsening affordability in the long run. Many view it as a short-term fix that fails to address the nation’s core issue, the housing shortage. Trump has brushed off the criticism, portraying it as a simple way to reduce monthly costs. The proposal remains unofficial and would require both regulatory and legislative approval to take effect.