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7%+ Yielding Monthly Dividend Machines For Tax-Advantaged Retirement Income

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7%+ Yielding Monthly Dividend Machines For Tax-Advantaged Retirement Income

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Samuel Smith has a diverse background that includes being lead analyst and Vice President at several highly regarded dividend stock research firms and running his own dividend investing YouTube channel. He is a Professional Engineer and Project Management Professional and holds a B.S. in Civil Engineering & Mathematics from the United States Military Academy at West Point and has a Masters in Engineering from Texas A&M with a focus on applied mathematics and machine learning.Samuel leads the High Yield Investor investing group. Samuel teams up with Jussi Askola and Paul R. Drake where they focus on finding the right balance between safety, growth, yield, and value. High Yield Investor offers real-money core, retirement, and international portfolios. The service also features regular trade alerts, educational content, and an active chat room of like-minded investors. Perspective: “Do not store up for yourselves treasures on earth, where moth and rust destroy, and where thieves break in and steal. But store up for yourselves treasures in heaven, where neither moth nor rust destroys, and where thieves do not break in or steal; for where your treasure is, there your heart will be also … For what will it profit a man if he gains the whole world and forfeits his soul?” ~ Jesus (Matthew 6:19-21; 16:26)Learn more

Analyst’s Disclosure: I/we have no stock, option or similar derivative position in any of the companies mentioned, and no plans to initiate any such positions within the next 72 hours. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from Seeking Alpha). I have no business relationship with any company whose stock is mentioned in this article.

Seeking Alpha’s Disclosure: Past performance is no guarantee of future results. No recommendation or advice is being given as to whether any investment is suitable for a particular investor. Any views or opinions expressed above may not reflect those of Seeking Alpha as a whole. Seeking Alpha is not a licensed securities dealer, broker or US investment adviser or investment bank. Our analysts are third party authors that include both professional investors and individual investors who may not be licensed or certified by any institute or regulatory body.

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Envelope maker Encore Group describes challenging year but continues investment

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The Wearside firm described “relentlessly tough competition” in new accounts

Encore Group has acquired Heritage Envelopes in an undisclosed deal.

Encore Group’s Washington site.(Image: Encore Group)

Bosses at print and packaging business Encore Group have described a “challenging but eventful year” in new accounts which show a dip in revenue and profits.

The maker of envelopes and packaging for the food, medical and wider retail sectors said it had managed to hang on to the majority of work despite “aggressive” competition and the inability to pass increased overheads on to customers. Newly published accounts for the Washington-based group, covering the year to November 30, 2025, also talk of substantial investment in the business, including the acquisition of a former rival based in the North West.

The documents reveal that deal in June 2025 has given 300-strong Encore bigger market share and strengthened its offer in the stationery envelopes space. Several of Blackburn-based Heritage’s production lines were added to Encore’s Wearside factory to boost capacity.

Further investment went into a 10,000 pallet bay automated warehouse system at the group’s Stephenson Road warehousing site in Peterlee. That location is being used as central hub for the firm’s stationery work.

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Encore’s packaging business managed to increase output volume and turnover in 2025, with sales increasing by 1% to £14.3m but overall, turnover fell from £51.2m to £47.2m as operation profit fell from £5.3m to £3.5m. Meanwhile, gross margin reported as a proportion of turnover fell by just under 2% to 23.5% as directors said the loss of margin “perfectly demonstrates the difficult market conditions, in which the group (and most likely all of our competitors) had to sacrifice some gross margin to retain work”.

The group hopes to become a net zero company by 2045 but says that aim has become more challenging with a perceived downgrading of environmental improvements in some parts of society. It said price is the overriding driver of contracts, with “very little” work award on environmental grounds.

Financial director Gary Joyce wrote in the accounts: “The financial year 2025 proved to be a challenging but eventful year for the Encore Group, during which the company faced relentlessly tough competition in both of its main markets. Once again, the group faced the usual aggressive pricing from competitors in both the envelopes and packaging markets that the company operates in.

“However, the company was able to compete to retain a large majority of the volume of work from the prior year. Turnover did contract though, by almost 8% year on year for the second year running. Similarly to 2024, the packaging business did manage to increase output volume and turnover in 2025, sales increasing by 1% to £14.3m.”

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Encore says it operates one of Europe’s most modern factories. Having been set up in 1983, the group now produces roughly 2.5bn envelopes a year and produces a range of packaging products for ecommerce, medical and healthcare, food and retail industry customers.

Encore said trading had continued to be challenging in recent months but that it had maintained strong order books for both envelopes and packaging. It said record levels of investment in the last five years had helped it achieve growth.

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SBAR: 85% In A Money Market ETF, But That’s Not Where The 12% Yield Comes From (NYSEARCA:SBAR)

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U.S. Equities: What's Hiding Beneath The Market's Headline Returns?

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I have a B.Tech degree in Mechanical Engineering from a top school in India. For nearly twenty five years, I have worked in the oil and gas sector, primarily in the Middle East. I work at the intersection of engineering, operations, and project management in an industry that does not forgive mistakes – so I have learned to be efficient, careful, and disciplined. These traits inform my investment strategy. For much of my professional career, I have maintained a serious and sustained interest in the U.S. equity markets, with a particular focus on technology, energy, and healthcare. I started as a growth investor, taking risks as I saw fit; but today, my investment approach blends elements of both value and growth. I seek to understand the underlying economics of a business, evaluate the durability of its competitive advantage (or “moat”), and assess its ability to generate consistent free cash flow over time. I believe, as Munger puts it, in “sitting on your ass” when holding a high-quality business—allowing time and compounding to do the heavy lifting. My orientation is moderately conservative; I look for upside while minimizing downside. Well, who doesn’t, but as I look towards retirement, I have started emphasizing the latter over the former. As a result, in recent years, I’ve gradually rebalanced toward income-generating assets—dividend-paying equities, REITs, and similar vehicles. I view investing not merely as a pursuit of high returns but something that will also generate peace of mind. I joined Seeking Alpha to both contribute to and learn from a community of thoughtful investors—people who, like me, are interested in the intersection of real-world business fundamentals and intelligent investing. PS – The icon I have used represents something fundamentally important to me – that is, to earn money through investing in ecologically sensitive businesses.

Analyst’s Disclosure: I/we have no stock, option or similar derivative position in any of the companies mentioned, and no plans to initiate any such positions within the next 72 hours. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from Seeking Alpha). I have no business relationship with any company whose stock is mentioned in this article.

Seeking Alpha’s Disclosure: Past performance is no guarantee of future results. No recommendation or advice is being given as to whether any investment is suitable for a particular investor. Any views or opinions expressed above may not reflect those of Seeking Alpha as a whole. Seeking Alpha is not a licensed securities dealer, broker or US investment adviser or investment bank. Our analysts are third party authors that include both professional investors and individual investors who may not be licensed or certified by any institute or regulatory body.

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Queen Camilla Is Firmly on Team Kate Amid Harry and Meghan Markle Return to Britain, Author Claims Now

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Queen Camilla

LONDON — Queen Camilla has aligned herself firmly with the Princess of Wales rather than with Prince Harry and Meghan Markle following the couple’s return to Britain this week, according to a royal biographer whose account was reported by the Daily Mail and picked up by outlets across the royal-watching press.

Royal author Andrew Lownie said Camilla, who is described as being close to Catherine, Princess of Wales, has been pushing King Charles III to set firmer limits on his dealings with the Duke and Duchess of Sussex. “The Queen, who is very close to Kate, has been stiffening the resolve of the King to establish clear boundaries for [Harry and Meghan],” Lownie said, according to the Daily Mail’s reporting. He added that there “remains a great deal of family dissension” over how Charles has handled what he called “the Sussex problem,” pointing also to lingering unhappiness within the family over the King’s handling of the fallout involving Prince Andrew.

Lownie’s comments came just days after Charles and Camilla hosted Harry and Meghan for tea at the King’s Gloucestershire residence, a meeting that had been read by some as a sign of warming relations within the family. But Lownie cautioned that any goodwill on display should not be mistaken for genuine reconciliation, saying Harry should not read the Queen’s composed public demeanor as forgiveness. He said Camilla has grown notably closer to Catherine in the years since Harry and Meghan stepped back from royal duties in 2020, a period commonly referred to as “Megxit,” while remaining guarded toward the King’s younger son and his wife.

Harry and Meghan landed in Birmingham on Wednesday, arriving with their two children, Prince Archie and Princess Lilibet, for what has been widely described as an extended stay in the United Kingdom. British media outlets have reported that the couple’s children have been enrolled at a private school in the country, one of the clearer signals yet that the family’s relocation from their home base in Montecito, California, may not be temporary.

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The claims about Camilla’s alignment with Catherine are the latest in a string of similar reports from British and American royal commentators in recent months. Separate reporting from the celebrity magazine Globe, citing unnamed palace insiders, has similarly described tension between Camilla and Catherine over how to handle Harry, alleging that Camilla has expressed frustration that the Princess of Wales has quietly encouraged a path toward reconciliation between Charles and his younger son. Other tabloid reporting, including from the National Examiner, has made similar claims about strain between the two women, though such accounts, sourced to anonymous palace insiders, have not been independently verified and Buckingham Palace does not typically comment on this kind of reporting.

The broader narrative of tension between the royal women has also been shaped by claims in recently published books examining the family’s internal dynamics. Journalist and author Tom Bower, in his book “Betrayal: Power, Deceit and the Fight for the Future of the Royal Family,” has alleged that Camilla once told a friend that Meghan had “brainwashed” Harry, according to extracts published by The Times. That same book reportedly claims Prince William and Catherine came to view Meghan as “a threat” to the family in the period before the Sussexes’ departure from official duties.

Buckingham Palace has not issued a public response to Lownie’s specific claims regarding Camilla’s current stance, and neither the palace nor representatives for Harry and Meghan responded to requests for comment reported alongside the story. Royal commentators have noted that members of the family, including Charles, Camilla, William and Catherine, rarely confirm or deny this type of reporting directly, a longstanding practice within the institution meant to avoid escalating public disputes involving family members.

Harry and Meghan’s relationship with the wider royal family has remained strained since they stepped back from official royal duties in early 2020, a rift that widened further following the couple’s 2021 interview with Oprah Winfrey and Harry’s 2023 memoir, “Spare,” both of which included pointed criticism of members of the family. Harry has continued to pursue a legal battle in the United Kingdom over the removal of his taxpayer-funded police protection following his departure from royal duties, a separate dispute that has run alongside the family’s more personal tensions.

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Despite the reported friction, this week’s tea meeting between Charles, Camilla, Harry and Meghan has been characterized by some royal watchers as evidence that at least a partial thaw may be underway between Harry and his father, even if broader reconciliation with the rest of the family remains uncertain. Commentators including Lownie have cautioned, however, that any warmth shown during the visit should be read cautiously rather than as a sign that the family’s underlying divisions have been resolved.

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Largest Autism Protein Interaction Map Reveals Shared Pathways That Could Guide Future Treatments

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SAN FRANCISCO — Researchers have published what they describe as the largest molecular map of autism-related protein interactions, showing how many different genetic mutations can disrupt the same networks in the developing brain.

The study, released Thursday in the journal Science, charts more than 1,800 protein-protein interactions linked to 100 high-confidence autism risk genes. About 87 percent of those interactions had not been reported before. The authors say the work shifts attention from long lists of genes toward the protein complexes those genes encode — a level at which future drugs might act.

“You need this insight to ultimately develop drugs, and we’ve generated a map now that is providing essentially the molecular underpinnings of autism and pointing us in a multitude of different directions for ultimate drug discovery,” said Dr. Nevan Krogan, a University of California, San Francisco professor, director of the Quantitative Biosciences Institute and senior investigator at the Gladstone Institutes.

“The hope would be at some point you’d be looking back and saying, ‘Ah, this map led to X, Y, and Z, and therefore we have now the first-ever treatment to autism. That’s the vision, and I believe that’s going to come to fruition at some point in the future,” Krogan said.

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More than 250 genes have been associated with autism spectrum disorder. That diversity has made it hard to imagine a single therapy. Proteins, however, often work in shared complexes. If many mutations damage the same partnerships, a smaller set of targets could matter for larger groups of patients.

“When you have the genes and the mutations, that’s just a list. That’s a parts list,” Krogan said. “What you need to do is have a wiring diagram of that parts list, and that’s where you need to go to the proteins and understand how the proteins talk to one another, and understand when you put a mutation in a protein, what does it do to the protein-protein interactions? So, understanding that will point you down therapeutic roads that you just could not have ever imagined if you were simply just looking at the genes and the mutation.”

The team used affinity purification–mass spectrometry to map interactions for the 100 genes, including versions carrying patient-derived missense mutations. They then used AlphaFold structural predictions to flag which contacts were likely direct and which mutations were most worth testing. Priority cases were examined in human forebrain organoids and in Xenopus embryos.

AI is allowing us to study proteins that we could never have even dreamed of even a couple of years ago, and it’s providing an unprecedented light being shone on autism, the underlying biology behind autism,” Krogan said. He called the result “the largest that has ever been done on autism,” and “the largest map of its kind for any neuropsychiatric disorder,” as well as “the largest mutant map that’s ever been generated for any area of disease.”

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One example in the paper involves FOXP1. Distinct mutations weakened its physical partnership with FOXP4. In organoids, that change altered how deep-layer cortical neurons developed. Other mapped proteins clustered around neurogenesis, tubulin biology, transcriptional control and chromatin modification.

Krogan said his group already has three programs underway to explore therapies based on the map.

Independent scientists not involved in the work described it as an important systems-level resource, while stressing that drugs are still far off.

“The new study is really exciting in that it represents the most systematic protein-level view of autism risk we’ve had to date,” Fikri Birey, an assistant professor of human genetics at Emory University School of Medicine, wrote in an email. “In the future, it may be possible to identify drugs that stabilize disrupted protein complexes or block pathological interactions, rather than trying to correct every individual autism-causing mutation.”

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Alison Singer, president of the Autism Science Foundation, called the paper a turning point for families of people with profound autism. “Today’s study shows where different autism genes converge on shared biological pathways, and those shared pathways could ultimately give us therapeutic targets relevant to much larger groups of autistic people, including people without an identified genetic cause. That is nothing short of a huge watershed moment for autism science.”

She added: “For families of people with profound autism like mine, this is the kind of scientific advance we have been waiting for and praying for. Many people with profound autism have rare genetic variants and the promise of precision medicine has always been that understanding those variants would eventually allow us to move beyond treating symptoms and behaviors, and begin addressing the underlying biology.”

Singer also cautioned that discoveries still must become drug candidates and pass safety and efficacy tests.

Dr. Andy Shih, chief science officer at Autism Speaks, struck a similar note. “Translating these kinds of discoveries into therapies is a long process,” he wrote. “This study provides valuable insights into potential targets, but much more research is needed before these findings can lead to clinical applications.”

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The authors themselves limit how far the map should be read. Krogan said it is most directly relevant to people with profound autism — those who often need around-the-clock care and who account for about 30 percent of people on the spectrum. He argued the same protein-network approach could still inform work on schizophrenia, obsessive-compulsive disorder, tic disorders and even cancer.

The Science paper, titled “A foundational autism protein interaction atlas reveals molecular convergence,” lists Belinda Wang, Rasika Vartak and Kelsey Hennick among co-first authors, with Kirsten Obernier, Tomasz J. Nowakowski and A. Jeremy Willsey among co-corresponding authors.

The publication arrives as federal autism research priorities are again under debate. The Interagency Autism Coordinating Committee has a draft strategic plan before it. Singer said she worries a broad “injury” framing could pull money away from genetics and brain biology. Shih said he expects the plan to keep room for large-scale work on how genetic factors shape development.

For now, the practical yield is a wiring diagram, not a pill. Hundreds of risk genes remain. Most of the newly listed interactions have not been tested as drug targets. Organoids and frog embryos are models, not patients. What the map does offer is a way to stop treating every mutation as a separate lock. If enough of those locks share the same bolts, the search for a key becomes smaller — and, researchers say, more realistic than it was when the field had only a parts list.

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Goldman draws 3 lessons from economic research on U.S. inflation expectations

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Goldman draws 3 lessons from economic research on U.S. inflation expectations

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Stock Market Week Ahead: Chips, Cybersecurity And Jobs

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Stock Market Week Ahead: Chips, Cybersecurity And Jobs

With the Nasdaq trading sideways since early June and the S&P 500 just 1% above its June 2 high, the stock market winds down a highly unusual earnings season and heads into September. As of Friday, FactSet reported that 488 of the 503 S&P 500 stocks had served up their most recent quarterly earnings. Some 85% of the companies reporting…

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Five Defense Stocks Surprise As Aerospace Leaders, Up 80% This Year

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Five Defense Stocks Surprise As Aerospace Leaders, Up 80% This Year

Demand for military equipment, munitions and components has soared this year amid various global conflicts while the U.S. looks to restock its arsenal and reshape its defense supply chain and NATO members hike their spending contributions. Despite all of those positives, the almost 100 stocks in the defense/aerospace industry group are collectively flat to lower for the year. Some of…

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Chevron: Current Venezuelan Possible Agreement Is Not A Near-Term Solution

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Bonterra Energy: Charlie Lake Is The New Core Area

Chevron: Current Venezuelan Possible Agreement Is Not A Near-Term Solution

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BYD’s Overseas Push Drives Quarterly Profit Growth

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BYD’s Overseas Push Drives Quarterly Profit Growth

BYD’s net profit rebounded despite slightly lower revenue in the second quarter, showing that the world’s top electric-vehicle seller may have turned a corner with the help of its rapid expansion overseas.

China’s leading carmaker has been working to put soft domestic sales in its rear-view mirror following an intense price war and slowing demand in the world’s largest auto market. Its exports now account for a rising share of total sales volume as the EV maker bets on its overseas growth, especially in Europe and Latin America, to drive its next phase of expansion.

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Element Solutions: The Merger Was Noise, The Case Still Stands

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Element Solutions: The Merger Was Noise, The Case Still Stands

Element Solutions: The Merger Was Noise, The Case Still Stands

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