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What current programming languages and technologies will become even more Important in 2016? Jeff Friesen presents 10 candidates that will present significant continuing job rewards to people who can apply them effectively.
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New technologies are constantly being developed, and existing ones maintain changing. Which programming languages and technologies will become even more Important in 2016? In this article, I gaze into the crystal ball to identify 10 current language and technology trends that will live worth your time in pursuing next year. My prognostications are based on information gleaned from Google Trends, GitHub, TIOBE Software, and other websites (such as Indeed.com's job search). The first section of this article focuses on language trends, and the second section focuses on technology trends.
To further your career, what programming languages should you target for 2016? This section identifies several languages to consider, and I clarify why they're important. My choices are based largely on information gleaned from the most recent TIOBE Index at the time of writing, as well as GitHub's language trends and data from Google Trends. Finally, I considered language applicability to the trending technologies covered in this article.
C and C++
C is a general-purpose, structured programming language that's biased toward system programming. C++ is a general-purpose, object-oriented programming language that's an outgrowth of C and is besides biased toward system programming.
You might not reckon of the C and C++ languages as trendy, but the data shows otherwise. According to TIOBE Index (see design 1), C is in second set and C++ in third set based on search results across multiple search engines.
Figure 1 The C language has dropped to second set (after Java), while C++ has risen to rob third set in the TIOBE Index as of early December 2015.
The situation differs when examined from GitHub's perspective (see design 2), which determines language popularity based on hosted projects.
Figure 2 GitHub shows the C language dropping, while C++ has risen. The most recent data is from mid-August 2015.
Finally, let's reckon Google Trends. design 3 shows the trend graph for the C programming language topic, and design 4 shows the trend graph for the C++ programming language topic.
Figure 3 Interest in the C language declined moderately until around 2007, when interest seemed to stabilize.
Figure 4 Interest in the C++ language continues to live strong.
The enduring interest in C and C++ probably has a lot to Do with their usefulness in embedded programming. At one time, many developers believed that C was the better election for embedded development. However, that belief has more recently evolved to where C++ is besides widely used in the embedded arena. Also, the fact that many Internet of Things devices want the processing power to hasten higher-level languages has given C and C++ an edge in this area.
If you're thinking about a career in programming embedded devices, reckon learning C or C++. According to the Indeed.com job search site, at least 38,000 jobs are waiting for C++ developers, and around 130,000 jobs are waiting for C developers.
Java is a general-purpose programming language that's concurrent, class-based, object-oriented, and designed to absorb as few implementation dependencies as possible. Java applications are compiled to bytecode, which executes on any Java-supported platform, leading to a elevated degree of portability. Java is besides a software platform largely consisting of a virtual machine for executing bytecode.
The TIOBE Index ranks Java as the most common programming language (refer to design 1). GitHub ranks Java as the second most common programming language (refer to design 2). If you enter Java programming language into Google Trends, you'll survey that interest in Java has been steadily increasing since 2007. Java's pace of evolution is largely amenable for the enduring interest. For example, enter Java 8 into Google Trends, and you'll survey a acute uptake in Java's popularity, which is most likely the result of introducing Lambda expressions and the Streams API. Conversely, interest in the Java software platform and Java virtual machine has fallen.
Java is widely used in enterprise computing. It's besides widely used in imposing Data (discussed later) contexts via projects such as Apache Hadoop. Another widely used domain is embedded devices and the Internet of Things, where Java's portability and security features are advantages. Finally, Java is widely used to write source code for Android apps. However, the Java version for Android is based on Apache Harmony and not on Oracle's version of Java.
Many jobs are currently waiting for Java developers to fill them. For example, a recent search for Java jobs on Indeed.com revealed nearly 90,000 jobs in the United States. Java will undoubtedly gain more interest in 2016, when Java 9 arrives with its Java Module System. This capability will get it easier to drag Java to many more platforms, resulting in many additional job opportunities.
Python and R
Python is a general-purpose, high-level programming language that emphasizes code readability and expressing concepts in fewer lines of code than is workable in languages such as C++ or Java. R is a programming language and software environment for statistical computing and data visualization, which Python besides supports. If you need to elect between these languages, check out the DataCamp.com post "Choosing R or Python for data analysis? An infographic."
According to the TIOBE Index, Python is more common than R. GitHub reinforces this position by listing Python and not R in its top 10 languages. Python's general-purpose nature probably accounts for its greater popularity. However, Google Trends indicates about the very flush of interest in both languages, which may live due to their usefulness with imposing Data (discussed later). If you're planning to become involved with imposing Data, reckon learning Python and/or R.
What does the job situation peek love for Python and R? A recent Indeed.com research revealed at least 43,000 Python jobs and 57,000 R jobs. Learning either language is time well spent.
To further your career, what technologies should you target for 2016? I've identified six worthy candidates in this section. Each technology is already changing society, and its influence will become more pronounced next year.
3D printing creates three-dimensional objects via various processes. besides known as additive manufacturing, 3D printing relies on computer control to form an expostulate by printing successive layers of a material. Materials currently in spend comprehend thermoplastics, advanced nickel alloys, carbon fiber, glass, conductive ink, rubber, modeling clay, and biological matter.
The 3D printing topic on Google Trends indicates significant interest in this technology. If you contrivance to fetch into 3D printing from a career perspective, check out the i.Materialise.com post "Getting Started with 3D Printing: Skills & Resources You Need."
What kinds of 3D printing jobs can you anticipate? The trade tidings Daily article "10 3D Printing Jobs on the Rise" (September 2013) identifies 3D design, 3D computer-aided design (CAD) modeling, research and development, biological and scientific modeling, architecture/construction modeling, and other job categories. The more recent Fabbaloo post "CNBC Reports on 3D Print Job Growth" (November 2015) points out that Lockheed Martin wants to hire at least 120 unique workers skilled in 3D design and printing.
Big Data and Data Visualization
According to Wikipedia, imposing Data is a broad term for data sets so great or tangled that traditional data-processing applications are inadequate. Challenges comprehend analysis, capture, data curation, search, sharing, storage, transfer, visualization, and information privacy. Data visualization involves the creation and study of the visual representation of data in order to extract meaningful information. Processing and analyzing imposing Data is challenging for data visualization.
A Google Trends search on imposing Data shows that interest in this technology has been rising since around 2011. Similarly, a search on data visualization shows interest increasing since around 2007. One judgement for growth could live the surge in activity involving the Internet of Things (discussed later), which is a top generator of imposing Data from shameful kinds of devices that must live analyzed and visualized.
Languages and technologies widely used with imposing Data and data visualization comprehend Python, programming with imposing Data in R, Apache Hadoop, and NoSQL. The previously mentioned DataComp.com infographic shows how Python and R compare from a data-analysis perspective.
In May 2014 InfoWorld.com published "Hadoop, Python, and NoSQL lead the pack for imposing data jobs." The information in the article was obtained from statistics gathered by the tech job site Dice.com. A recent visit to this site shows that R has made significant gains in terms of R-related imposing Data and data visualization jobs.
Cloud computing is a benign of Internet-based computing in which shared resources and information are provided to computers and other devices on demand. It provides users and enterprises with various capabilities to store and process their data in third-party data centers.
At the time of writing, a Google Trends search for cloud computing showed that interest in this technology started to surge after 2007 and peaked around 2012 before falling moderately to a more modest and sustainable level, which isn't surprising given that the early hype has largely died down as the technology has matured.
In late 2014, Forbes.com published the article "Where Cloud Computing Jobs Will live in 2015," which renowned nearly 400,000 IT cloud computing jobs in the United States alone. Less recently, the influential Gartner Inc. (an American marketing, market research, and advisory solid providing insights on information technology topics) released a report stating that cloud computing will form the bulk of IT spending in 2016, which should translate into even more jobs.
Internet of Things
Wikipedia describes the Internet of Things (IoT) as the network of physical objects or "things" that are embedded with electronics, software, sensors, and network connectivity, enabling these objects to collect and exchange data. The IoT lets objects live sensed and controlled remotely across existing network infrastructure, creating opportunities for more direct integration between the physical world and computer-based systems, and resulting in improved efficiency, accuracy, and economic benefit. Each thing is uniquely identifiable through its embedded computing system and is able to interoperate within the existing Internet infrastructure. Experts assay that the IoT will consist of tens of billions of objects by 2020.
A Google Trends search for Internet of Things reveals interest in this technology starting after 2005 and surging around 2010, probably due to Chinese Premier Wen Jiabao calling the IoT a key industry for China, which plans to get major investments in IoT. In 2011, IPv6, which provides IP addressing for IoT devices, was revealed to the public via World IPv6 Day. That year besides witnessed the maturation of Arduino and other hardware platforms that get the IoT accessible to do-it-yourselfers who are interested in the IoT.
Interest in the IoT continues to grow. Gartner.com forecast in November 2015 that 6.4 billion connected "things" will live in spend in 2016, up 30% from 2015. How does this translate into jobs? According to Indeed.com, nearly 10,000 IoT jobs are available in the United States alone. The number of jobs should grow significantly as the IoT surges ahead.
If you're interested in pursuing an IoT career, you'll need to acquire some Important skills. In late 2014, Forbes.com published the article "Ready for the Internet of Things? 5 Skills You'll Need," listing the necessary skills as being an associative thinker, a collaborator, a communicator, knowledgeable, and persistent. You should besides become confidential with related technologies, such as imposing Data, data security, and data analytics.
Wikipedia describes mobile computing as human-computer interaction in which a computer is expected to live transported during common usage. Mobile devices compass from smartphones and tablets to wearables such as the Apple Watch. The two preeminent mobile-device operating systems are Android and iOS.
Mobile computing is expected to surge even higher next year. For example, one school of thought is that tablets will overtake notebook computers by 2016. Other people believe that wearables that can hasten third-party apps will rob the lead over wearables that don't hasten third-party apps in 2016.
According to Indeed.com, nearly 37,000 mobile device jobs are currently available in the United States. You can await greater job growth as mobile devices become even more ubiquitous. The Gartner.com report "Top Strategic Predictions for 2016 and Beyond: The Future Is a Digital Thing" (registration required) forecasts that by 2018 two million employees will live required to wear health and fitness devices as a condition of employment.
Virtual and Augmented Reality
Popularized by devices such as the Oculus Rift and Google Cardboard, virtual reality replicates an environment that simulates physical presence in a actual or imagined world and lets the user interact in that world. By contrast, Wikipedia describes augmented reality as a live direct or circuitous view of a physical, real-world environment whose elements are augmented (or supplemented) by computer-generated sensory input such as sound, video, graphics, or GPS data. Augmented reality is popularized by Google Glass.
According to Google Trends, interest in virtual reality began mounting around 2014. Interest in augmented reality took off around 2009, but has retreated somewhat. A recent job search on Indeed.com backs up this trend by showing around twice as many jobs in virtual reality as in augmented reality. Although the number of virtual/augmented reality jobs is quite low at the moment, articles such as Road To VR's "200 Companies Now Hiring—A peek at the Growing Virtual Reality Jobs Market" and The Market Mogul's "The next imposing trend: Augmented Reality" testify tenacious growth potential and an increasing number of jobs for these technologies over the next several years.
If your career is stagnating, or you just want to obtain a job involving current high-impact programming languages and other technologies in 2016, become an expert in at least one of the languages and technologies I've discussed here. Each is trending and supported by many job opportunities. Furthermore, the synergy from using these and other languages and technologies to transform their world into something unique is exciting. live section of it!
No result found, try unique keyword!Other Americas revenues were $1.9 billion ... Android Oreo Go edition available for their device partners. This year, they await to survey Go devices from dozens of manufacturers and with imposing support from ...
On this episode of Motley Fool Money, four silly analysts peek at the biggest tidings on Wall Street, including the broader market itself. It's getting ominous out here, but Jason Moser's "three Ps" of investing can wait on maintain you calm. Toll Brothers' (NYSE: TOL) quarterly profits tower over 60% and the market yawns. Pizza Hut continues to struggle at Yum! Brands (NYSE: YUM). RH (NYSE: RH) really seems to absorb turned its luck around, and its loyalty program is doing bafflingly well. Amazon's (NASDAQ: AMZN) machines Go rogue, injuring dozens of workers. Altria (NYSE: MO) makes a imposing cannabis bet. And, as always, the analysts participate some stocks on their radars.
Plus, Chris Hill interviews Megan Brinsfield from Motley Fool Wealth Management for some year-end finance tips, including getting the most out of your 2018 deductions, avoiding huge IRA penalties, giving stocks without killing a student's monetary aid package, and more.
A plenary transcript follows the video.
This video was recorded on Dec. 7, 2018.
Chris Hill: It's the Motley Fool Money radio show. I'm Chris Hill. Joining me in studio this week, senior analysts Jason Moser, Matt Argersinger and Ron Gross. obliging to survey you as always, gentlemen.
We've got the latest headlines from Wall Street. They will duck into the Fool mailbag. And, as always, we'll give you an inside peek at the stocks on their radar. But they initiate with the market in general. Another week of wild swings. Jason, that's including the fact that the market was closed on Wednesday in reverence of former President Bush's funeral. When people betray that they don't absorb the stomach for investing, it's weeks love this that just don't help.
Jason Moser: I guess. But I would flip the coin there and betray that these are the kinds of weeks they can really wait on you grow as an investor and become even more emotionally fit to handle future episodes love these. They're coming, one artery or another. The longer you invest, the more you absorb to endure. Plenty of headlines out there. It's probably not even worth trying to pinpoint just one that's really the cause. Tariff talk, submit curve, talk, interest rates, unpredictability of what's going to Come out of the White House today, tomorrow, next week.
Moser: Probably shameful contributing to this to a degree. We're starting to hear the r-word being kicked around a tiny bit. Recession is the r-word that I'm talking about there. They Do pay attention that stuff, but it's besides worth noting that they love to invest with that glass-half-full philosophy here, rob the longer view, because the numbers tolerate it out. It does labor over time. With that said, I reckon there's enough judgement here to start looking at the future and sensation if they aren't going to live stepping into a tiny bit more of a difficult time.
Ron Gross: Yeah, this is why it's crazy, and you absorb to ignore some of this macro stuff. Some days, the market loves that the economy is slowing, because it will absorb the Fed rob their foot off the tightening gas. Other days, it's not good, because we're headed to a recession and the market sells off. And you absorb no belief which day tomorrow is going to be, a obliging day or a dismal day. Invest in obliging companies, hold them for the long-term.
Argersinger: Right. I don't know when this is going to conclude and how low the market's going to go, but I know one thing -- I bought more stocks personally in the final two months than I absorb in the prior two years. I'll leave it at that.
Moser: I'm with him. I've clicked the buy button a few times myself. It's worth noting, in this environment, you may live timid to buy. I reckon it's OK to buy, but I love to focus on what I muster the three P's. Ron, you're going to cherish this.
Gross: [laughs] I'm clicking my pen.
Moser: Patience, Price, and Predictability. They always talk about how you need to live patient as investors. That besides chimes into making certain you fetch a decent price, a just price. Predictability is, invest in those businesses that present some pretty predictable trade models, pretty predictable revenue streams. Things love payment companies, or when you Go to fetch your Dunkin' coffee every morning, or when I pour that flaming cup of Starbucks coffee at my house every day. That's what I signify by predictability. You focus on those three P's, I reckon you find yourself holding a lot of really obliging businesses in your portfolio.
Gross: Makes obliging sense. I, too, absorb committed capital to the markets over the final few weeks. blissful to absorb done so. I've besides do money into index funds, both the S&P 500 and the Russell 2000. Don't live apprehensive to participate in the market as a whole. Nothing wrong with that.
Hill: I cherish how formal you are. "I've committed capital to the market," as opposed to these two guys, "I clicked the buy button."
Gross: [laughs] Sometimes I revert back to Wall Street mode.
Hill: Toll Brothers is the largest luxury home builder in America. Fourth quarter profits rose more than 60% but shares of Toll Brothers were basically flat this week. Matt, what's going on here?
Argersinger: This was, by shameful accounts, in my view, a obliging report. You mentioned the profits. Deliveries and backlog, which are besides key metrics, were besides at the highest flush since the housing crash. But, of course, it's shameful about expectations going forward. They gave weaker guidance for the current quarter. CEO Douglas Yearley called out rising interest rates. That's reasonable. He besides talked about, though, the fact that there's "well publicized reports of a housing slowdown affecting buyer sentiment." I reckon that's a tiny odd, for the CEO to muster out the media. "Well, the media is talking about a housing slowdown, therefore people aren't buying houses."
Gross: Fake news.
Argersinger: I'm not certain I buy it. If you peek at, for example, the data from the U.S. Census, unique home sales absorb declined for 11 straight months. So, I'm not surprised the media is reporting that there may live a housing slowdown.
But if you step back for a second away from Toll, it's been a terrible year for the homebuilders. A terrible time. Rising interest rates are probably to blame most of all, and affordability. The S&P Homebuilding Index is down more than 30% this year. That's a stark number. It's been a volatile year, I don't reckon many industries absorb fared worse than homebuilders. So, I'm starting to fetch a tiny interested in the industry. abide tuned for radar stocks.
Hill: We're just across the river from Washington D.C. Many a politician has done well blaming the media, so why not CEOs, too?
Good week for RH Holdings, the company formerly known as Restoration Hardware. Third quarter profits came in strong. The company raised guidance. Shares of RH up more than 20% this week, Ron.
Gross: Holy cannoli is this one they shameful missed. Can they agree, they shameful missed it?
Moser: Absolutely, shameful four of us got this one wrong.
Gross: The stock is up 64% this year, 160% over the final five years. Kudos to them, really reinventing themselves by launching a subscription-based membership model, reducing inventory, closing distribution centers, building unique high-end stores. It's shameful really paid off for them. Revenue this quarter up 7.4%. 4% augment in comp store sales. The company bought back a ton of stock when it was commandeer to Do so. They just increased their guidance, introduced fiscal 2019 guidance which indicates additional growth coming down the pike. The stock noiseless isn't that cheap at 17X forward earnings. imposing job by RH.
Hill: Of shameful the information you just shared, I want to focus on one thing, and that is the loyalty program that they started back in 2016. Not only were the four of us wrong about this company, they were wrong about that. They sell high-end, expensive furniture at Restoration Hardware, and shameful four of us looked at that and said, "Wait, you're doing what?" They understand the loyalty program for the daily purchase, things love coffee and that sort of thing. But a loyalty program for high-end furniture?
Gross: In hindsight, they were wrong. Even in foresight, I would noiseless ante against it. It doesn't appear to get imposing sense! Not every company can institute a loyalty program and reckon that is the cure-all. In this particular case, they were right, they were wrong.
Moser: Given what they know today, I just can't betray that I'd noiseless do this one at the top of the list. I just can't Do it.
Argersinger: I love what you said before the present about how they've turned the retail concept into more of a showcase. They relied on their back channel online model. I sensation if they're ahead of the game here. Is this the future of retail, and RH is establishing that?
Hill: Yum! Brands held an investor day this week. The parent company of KFC, Pizza Hut, and Taco Bell expects sales to live higher in 2019. But, Pizza Hut president Artie Starrs made headlines when he said that Pizza Hut has a lot of labor to Do on its brand. Jason, I don't reckon any of us disagree with that comment.
Moser: Nope. I reckon we're shameful in agreement that they're missing the boat. You reckon back to the day when a personal pan pizza was so revolutionary. It changed the game for so many of us. Now, they're just getting lapped by concepts love Domino's and Papa John's.
I reckon the biggest challenge Pizza Hut has faced to date is revolving around the customer sustain in a mobile world, alongside an discordant delivery experience. I mentioned Domino's and Papa John's. They're the ones that just maintain investing in that sustain and absorb done so well with it.
In the recent analyst day, on the transcript there, management referred to the fact that they're trying to get this pivot from being that 100% dine-in sustain that it used to be, into being the dine-in sustain and delivery experience. And they're having supervision making that work. One of the things they're doing, their delivery provider, QuikOrder, that's the e-commerce engine that backs their delivery mobile experience, they've acquired that business. QuikOrder is going to live rolled into the business. They feel love having that internal control will give them the occasion to build out a more robust delivery experience.
Maybe that works out for them. It'd better. Historically, Pizza Hut does account for about 20% of Yum's operating income. It is significant. So, they've got a lot of labor to do. It really does matter.
Hill: You peek at the occasion that they absorb right now with Papa John's struggling the artery it is, with the unique NFL partnership that Pizza Hut has. We've seen this before, where an executive -- rob Patrick Doyle at Domino's. Was it 10 years ago where he came out and said, "Our pizza's not very good. We're going to fix that." That was a imposing turning point, and that was an occasion for investors to fetch in. I'm wondering if this might besides live an inflection point. It seems love every quarter, the memoir for Yum! Brands is the same, which is essentially, Taco Bell and KFC are doing well; Pizza Hut is struggling. If Pizza Hut actually starts to eddy it around, that becomes a much more compelling trade to own.
Moser: It's a consistent product. When you compare the three concepts, they're shameful basically the same. They're not exceptional pizza, but it's pizza nonetheless and it's easy to get. It's just, Pizza Hut has been tougher to get. Trimming down the menu, making a tiny bit more sense of it, building out that mobile experience, making it easier to order, and coming up with a consistent delivery experience, they absorb a lot of occasion there. There should live better days ahead.
Hill: Shares of Vail Resorts (NYSE: MTN) down 15% on Friday after the eddy operator lost more money in the first quarter than Wall Street was expecting. Matty, ski season cannot Come soon enough for Vail.
Argersinger: That's for sure, Chris. Seasonally, this is Vail's slowest quarter, as you can imagine. The ski resorts in North America are noiseless closed. Kids are back at school, so they're not doing summer activities at the resorts. So, you expected them to report a loss, but this was a much wider loss than expected. The CEO called out acquisition-related expenses and some offseason operating losses at some of the newer resorts. Vail's been in a pretty imposing acquisition mode over the final few years. They're actually always in that mode.
I'd betray on the positive side, you had season pass sales up 21%. At the unit level, that's the most promising thing. That talks about the claim for skiing at the resorts, which obviously feeds into shameful the other hospitality revenue streams that they offer. CEO Robert Katz talked about the fact that a lot of the early season numbers for a lot of the resorts are doing better.
I've owned this for a long time. I'm amazed it's down 15% on Friday. It's really rare to fetch any benign of sell off in this company. It's down about 25% from its recent high. The dividend is almost 2.5%. This is one of those everlasting companies, to me, that you want to maintain an eye on.
Hill: When it comes to the season passes, obviously there are discounts or special deals that they'll sling it every now and then. I'm besides assuming that that's the sort of revenue generator that they can incrementally tick up year after year.
Argersinger: That's right, tremendous pricing power, always heavy demand. And as they expand the number of resorts underneath the umbrella, the Epic Pass, which is their imposing season pass, that just gets more and more compelling.
Hill: Third quarter results for Ulta Beauty (NASDAQ: ULTA) look obliging but shares down 10% on Friday after the cosmetics retailer lowered guidance for the holiday quarter.
Gross: Yeah, holiday guidance is what folks are most focused on now in the retail space. And that came in a tiny light. But, boy oh boy, another one that I did not participate in, up 190% over the final five years. I didn't believe in the growth memoir here, but it keeps on ticking. Sales up 16% final quarter, with comp sells up 7.8%. They continue to do up these incredible growth numbers. That's driven by 5.3% transaction growth, 2.5% growth in the medium ticket, both doing the double whammy leading to imposing comp-store sales. E-commerce up 42.5%. Both in-store and out-store, they're getting it done.
It's just a imposing story. They were helped by the tax cut, as everyone was. EPS was up 28% as a result. Buying back stock consistently, opening unique stores consistently, about 40 so far this year. They're up to about 1,160 so far, and there really isn't an conclude in sight.
Hill: They were talking during the break, this is another company that changed its cognomen in the past few years. It used to live Ulta Beauty and Salon. absorb they started to de-emphasize the salon section of the trade and focus more on the front-of-store retail?
Gross: Front-of-store retail, and obviously online. In this day and age, you absorb to focus on that. But the salons are noiseless a section of it, noiseless putting up comp-store, same-store salon sales that are positive, definitely contributing to profitability, and definitely section of the ongoing rollout. But, as you survey in the name, perhaps not as much emphasis.
Hill: Altria Group was built on tobacco. This week, Altria announced it is buying a imposing stake in Cronos, a cannabis producer. This seems love a logical move, Jason. They talked about this a few weeks ago, when this was rumored. Of shameful the imposing companies that they hear -- Coca-Cola, Pepsi -- kicking the tires on potentially investing in tobacco, Altria was the one that they shameful looked at and said, "That makes the most sense."
Moser: Yeah, you're making the drag from tabaccy to wacky tabaccy, right? I reckon it's something we're going to survey more of in the coming quarters and years. Cronos is one of those moonshots for Altria. Altria, obviously a very imposing company with plenty in the artery of capital resources.
When you peek at these marijuana companies, these producers, these medical marijuana companies, they're trying to enter a space where the regulatory barriers, particularly here domestically, are noiseless very high. They will Come down over time, there's no question there. We're already seeing that trend.
The other imposing hurdle is one of capital. Getting the capital to live able to grow these businesses is not always so easy. You survey these imposing players Come in and present this really attractive carrot, it's tough to pass up. They saw Constellation taking partnership in Canopy. My guess is that Tilray is probably next on this list. I reckon it at least helps explain, somewhat, those crazy valuations in the market today. It's a artery for them to gain entry in this space, start building out offerings, distribution for the inevitable regulatory changes that are coming.
Hill: We've seen this play out in the beverage industry, whether it's craft beer companies starting up and eventually being acquired, or, locally here in the D.C. area, Honest Tea, Coca-Cola taking a stake years ago in Honest Tea and acquiring it. It makes sense that some of these smaller start-up cannabis companies would live very open to, if not being bought outright, this benign of stake.
Argersinger: Well, it definitely makes sense for them. I just peek at the Altrias and Constellations and Cokes of the world who absorb invested in this, and I'm thinking to myself, "Why not just wait to survey how this plays out? Don't entrust billions of dollars to what should live a fairly commoditized trade in the very near future, no matter the size of the market." I just don't reckon there's going to live a lot of pricing power. I just reckon they're going after a tiny hype to try to diversify their revenue stream.
Moser: To that point, you're talking about $1.8 billion that Altria is sinking in this. And it's not much bigger than that. Granted, these are going to live newly issued shares, so it's going to expand that pool. But that doesn't necessarily signify the participate charge is going to follow. The market will impose that. And when you reckon the fact that Cronos makes love $10 million a year in revenue, no section of it makes any sense.
Clearly, there are some imposing expectations here. Whether it's something that you smoke or devour or drink, we're going to survey more of this as time goes on. It's just going to rob a tiny while to play out. But, I mean, it's not love they're trying to build self-driving cars, either. That's going to rob a tiny bit longer.
Hill: What, you want Altria to hike their dividend yet again? Come on, roll the dice!
Amazon has grown its warehouse operations over the years in section by using tens of thousands of robots. This week, one of those robots went rogue and sent 24 Amazon employees to the hospital when the robot punctured a pressurized can of tolerate repellent, causing the pepper spray to spread throughout the warehouse. Ron --
Gross: [laughs] Ron? What am I going to betray about that?!
Hill: -- this is how it begins.
Gross: The rise?
Hill: The tower of the machines. You can maybe talk me into the fact that this was -- and I'm using air quotes -- "an accident." But if they survey anything love this happen again -- once is an accident. Two times, that's a trend, Ron.
Gross: It's interesting, even Jeff Bezos himself has been warning about the tower of synthetic intelligence and how risky it can live to us, and perhaps live the conclude of us one day. Is this the beginning? Will they peek back on this?
Argersinger: They absorb to remember, these robots are shameful programmable, by humans, I assume. Even without the synthetic intelligence, dismal actors can fetch in there, reprogram these things, and Do some very vicious things.
Hill: You reckon one of the programmers in the unique Jersey warehouse really had it out for some people on the floor?
Argersinger: You know, he could absorb been on the out.
Moser: reverberate is going to Go rogue. "Alexa, eddy on the lights." "No." "Alexa, eddy off the oven." "Uh-uh."
Hill: [laughs] Let's Go to their man behind the glass, Dan Boyd. Dan, what was your reaction when you saw the tidings of the robot going rogue?
Dan Boyd: simple fear. It's the nightmare scenario. It's the worst thing that could happen.
Hill: And it's only the beginning.
Gross: Especially if you're a bear.
Hill: Alright, we'll survey you later in the show, guys. Up next, Megan Brinsfield with a few year-end monetary planning tips. abide right here, you're listening to Motley Fool Money.
Welcome back to Motley Fool Money. I'm Chris Hill. Megan Brinsfield is a certified monetary planner and the director of monetary planning at Motley Fool Wealth Management. She joins me now in Studio Five. Thanks for being here!
Megan Brinsfield: Thank you for having me! I'm excited.
Hill: I wanted to talk to you about year-end tips around taxes. I know you're one of those people who genuinely loves the world of taxes.
Brinsfield: I do. Did you survey my eyes light up?
Hill: I know! That's how I knew you were going to live like, "Yes! If that's what we're going to talk about, I'm shameful in." It always makes me smile in an odd artery when I survey articles online that are usually coming out literally the final week of the year, saying, "Hey, here's some last-minute tax tips." I always think, "Who wants to deal with that in the final brace of days of the year?" So, let's fetch this in now while people absorb a few weeks before the holiday. What are a brace of things that people can Do in the next few weeks to wait on out with taxes next year?
Brinsfield: The universal belief in taxes is that you want to accelerate deductions and shelve income. When they talk about deductions, it could live anything love traditional IRA contributions that you get certain you fetch in this year, charitable donations, or even medical expenses. If you reckon you'll live able to deduct your medical expenses -- and remember, there is a 7.5% of your income hurdle to fetch over, but it's been a imposing medical year for you, any additional costs that you can fit into this year are going to live deductible for you. If that means you drag up a major medical visit, love LASIK surgery, or getting glasses, or other things that might live imposing items for you, fill your prescriptions, fetch that three-month prescription filled ahead of time, just so you can deduct those things. I'm certain you're getting lots of mail right now from shameful sorts of charities that are asking you for donations. If you Do write a check, even if it's not cashed until 2019, you can noiseless deduct it on your 2018 taxes.
Hill: In terms of unique tax laws that may absorb been enacted this year, is there anything that people need to know? Anything unique or different or curious?
Brinsfield: The biggest unlikeness between final year and this year is related to itemized deductions. There are a lot fewer people who are going to live able to itemize because of that limitation on condition and local tax deductions. Everything from your personal property tax, here in Virginia you absorb a car tax, actual estate taxes and condition income tax payments, those are shameful in the aggregate limited to $10,000. If you're a elevated earner living in a high-income state, you're likely to live affected by this and you may even live taking the touchstone deduction this year instead of the itemized.
Hill: Your day job as a monetary planner, what is the most common question that you and your team fetch at Motley Fool Wealth Management.
Brinsfield: Unsurprisingly, people just want to know if they absorb enough to retire. The first question that I inquire in return is, "How much are you spending?" And most people don't know the reply to that question. I reckon that's an Important starting point. It's really the pivot around which shameful monetary planning rests: how much money Do you need to maintain your lifestyle?
Hill: I guess if you're thrifty, then you're probably a lot further along than the medium person.
Brinsfield: Right. What's surprising to a lot of people is that it's not about how much you rate necessarily. It's about how much you're saving and the delta between what you need and what you absorb are.
Hill: Obviously, at The Motley Fool, they focus very heavily on stocks. I imagine that at least some of the questions that you and your team fetch are around investments in a given person's portfolio. That's one of those things that's benign of arduous to overcome on gut level, if you reckon about sunk costs and individual companies. How Do people peek at their investment portfolio with the proverbial fresh set of eyes? Are there any guidelines that you and the team provide to wait on people Do that?
Brinsfield: There are a few ways you can Do that. The first is, if you Do absorb an objective third party that can rob a peek at your portfolio, that's something that will wait on evaluate stocks that you may absorb an emotional reaction to, that someone who doesn't own the stock personally may live more open to making changes to that. If you Do absorb an advisor, checking in with them this time of year is good.
The other thing to Do is to find an online risk assessment tool, rob that quiz, and compare the results to your actual portfolio. A lot of times, we're just thinking year-to-year changes rather than literally starting anew and comparing that to what you have.
Hill: What is your sustain with the people that you labor with, the clients that you have, in terms of their tolerance for risk? Are people more risk averse than they reckon they are? Or are they actually able to tolerate more risk than they initially think?
Brinsfield: I reckon there's a imposing misconception that age equals risk in some way. I'll listen to people who say, "Well, I'm in my 70s, so I absorb to live conservative." That's not necessarily the case. In the traditional trajectory, yes, as you fetch older, you need to rely on that money more. But what I mind to survey is folks that absorb been diligent savers, but absorb enough income from convivial Security, pensions, rental, etc., to cover their ongoing expenses, so they're not relying on their portfolios in the very artery that someone is that doesn't absorb shameful those other income streams. So, it is really more personal than just saying, "Well, I'm older, I need to absorb more conservative allocation."
Hill: Their email address is email@example.com. They got a imposing question from a green listener named Ellis Laura. He writes, "With Christmas right around the corner, I absorb a few questions on gifting stocks." This is a green guy who's looking to give stocks to his younger sisters. He writes, "My hope is that they will survey the benefits of investing and eventually start adding money on their own."
I won't Go into shameful the details of his email, but he's basically asking, what's the most efficient artery to gift stocks to green people without impacting their talent to obtain monetary aid for college? And, by the way, I just cherish that he's asking this question at all. It's wonderful that he has this benign of foresight as a green man himself, and that he's trying to instill the benefits of investing to his younger sisters. It's really great.
Brinsfield: It's so admirable. I took that view as well when I read the email. I thought, "Oh, I wish I was this thoughtful. Or had younger sisters. One of the two."
Really, the first thing to reckon with monetary aid is understanding these high-level formulas that rob set in terms of what the government calls your expected family contribution. They'll gather information about your assets and income, both for parents and the child that's going to live attending school. The belief is that a child's assets can contribute a lot more than the parent's assets. It's almost 4X as much that the child's assets are expected to contribute to college. So, in general, it's frowned upon to give stocks to kids who are going to college, because they're going to live expected to spend that asset in order to pay.
So, one thing that you might reckon in order to avoid having that impact on monetary aid is not necessarily gifting the stock to them outright, but perhaps setting up a part account in your own cognomen that you collaborate with the younger sisters on and then transfer ownership to them later, after they're out of the monetary aid system, which would live as early as their senior year in college.
Another consideration is, if they are working, setting up a retirement account, because retirement accounts Do not matter toward that expected family contribution calculation. That's besides an option.
Hill: final question for you. It seems love anytime I talk to you, you appear really busy. I'm just inquisitive -- they were talking right before they started taping, it's a industrious time because there's a lot of year-end stuff. You were telling me about this penalty around IRAs that I had no belief was so punitive. If you're 70.5 and not taking money out, you're going to live punished in a imposing way, right?
Brinsfield: imposing trouble, yeah. It's RMD season.
Hill: If you're love me and you go, "Wait, what is RMD season?" It stands for ...
Brinsfield: Required minimum distributions. That's the IRS' artery of making certain that they fetch to tax your money. shameful these years that you've been socking away on a pre-tax basis, they want to get certain they can fetch their paws on it at some point. Once you eddy 70.5, you absorb to start taking a portion of money out each year. In December, it's that time for procrastinators to fetch their required minimum distributions in. If you don't Do it in a given calendar year, the penalty is 50% of what you should absorb taken. So, it's really Important to fetch that done. There are waivers, but you don't want to live asking for forgiveness every year. You want to just get certain it gets done quickly.
Hill: You're dealing with stuff love that in the month of December. Obviously, the calendar is going to turn, and then people are going to start thinking about their taxes. When Do you fetch to relax? When Do you fetch to say, "I'm going to Go stick my toes in the sand and live on a beach somewhere for a while?"
Brinsfield: That's a obliging question. I'll absorb to fetch back to you.
Hill: [laughs] If you want to learn more from Megan Brinsfield and her team, you can Go to foolwealth.com. Megan Brinsfield, thanks for being here!
Brinsfield: Thanks, Chris!
Hill: Coming up, we'll give you an inside peek at the stocks on their radar. You're listening to Motley Fool Money.
Our email address is firstname.lastname@example.org. Write us, won't you?
Hill: We're lonely. Email from Nick Burgess in Atlanta, Georgia. "Thanks for the wonderful content and helping me understand the stock market better, one day at a time. I'm 26 years brokendown and a nascence investor. A lot of brokerage services love Stash and Acorns advertise that you can start investing with as tiny as $5 since the service utilizes fractional shares. As someone with not a ton of start-up capital, are fractional shares a obliging idea?" What on earth are fractional shares, and how Do they work? Ron?
Gross: Well, kudos for starting on your investing journey at 26 years old. Well done. Fractional shares are simply, some brokers will allow you to buy less than one plenary participate of a company stock. Let's use Amazon as an example. Maybe you can't afford $1,670 for one participate of Amazon. Some brokers will allow you to buy a fraction of that, thus allowing you to become a section owner of Amazon, but perhaps for not a plenary share. It's actually a imposing thing. Those listeners who are confidential with dividend reinvestment plans or DRIP plans will live confidential with the concept of fractional ownership. It's a imposing thing.
Some brokers Do freight commissions or fees, so live careful that whatever transaction costs you're paying are not too imposing a percent of the amount of capital you are committing to that particular investment.
Argersinger: Nick's question besides makes me sensation if we've seen the conclude of participate splits. We've seen a decline in the number of companies wanting to Do participate splits. In the past, it was done for various reasons, but one of the reasons was to enable retail investors to buy shares. Now that you can Do fractional shares, there really isn't a need for a lot of companies to split their stock.
Hill: I'm curious, Ron, when it comes to dividend-paying stocks, are you someone who prefers to fetch the cash? There are some where you can automatically reinvest those dividends, fetch more shares.
Gross: I absorb two answers to this. Personally, I reinvest my dividends so I don't absorb to reckon about it. Professionally, when I've managed money, I would always rob them in cash, so I can then accumulate the cash and redeploy it into the best opportunities I saw at any particular time.
Hill: Two things before they fetch to the stocks on their radar. First, we're hiring here at The Motley Fool, not just here in Alexandria, but besides in their office in Colorado. They are looking for developers, investors, content strategists, performance marketing manager, which as I understand is very flaming job these days.
Gross: It sounds good.
Hill: You can check out shameful of their jobs by going to careers.fool.com.
Second, if you absorb an Amazon reverberate or a Google Home Assistant, you can listen to shameful of The Motley Fool's podcasts over your device. But, Jason, did you know you can besides fetch The Motley Fool's daily tidings briefing? Just peek for The Motley Fool on your Amazon reverberate or Google Home app, click subscribe and you're obliging to go. Every day, seven days a week on your home assistant.
Moser: I did know that, Chris. Do you want to know why?
Hill: [laughs] Because you participate in that?
Moser: Not only that, but besides spend it. Whenever I fetch home and I'm in the kitchen cooking dinner, I recount my reverberate to recount me what's in the news. Quite conveniently, she goes straight to their stock watch.
Argersinger: Just get certain to bury the tolerate repellent.
Gross: My kids used to reckon that was pretty cool. Now they're over it.
Moser: [laughs] Yeah, it doesn't final long.
Hill: The final thing before they fetch to the stocks on their radar, and their man behind the glass, Dan Boyd, is going to hit you with a question. besides behind the glass this week, shout-out to their special guests [Nick], [Ian Yi], and his son, Aiden, who are visiting us.
Moser: Thanks for coming!
Hill: appreciate it. Alright, Ron Gross, what are you looking at this week?
Gross: I've got Equinix (NASDAQ: EQIX), EQIX. They're an internet-focused actual estate investment trust, a REIT, that operates 200 data centers, 52 metro areas, 24 countries, five continents. They're benign of the backbone of the internet. They're the hub that makes the internet current and operate efficiently.
They've got a tenacious competitive advantage. It's very arduous to replicate. They've got imposing strategic locations. They're going to certainly capitalize on the growing data consumption and the cloud outsourcing. As shameful their device counts Go up, they'll benefit from that. Management is really strong, a very long track record of creating value.
The stock has a 2.4% yield. REITs are typically known for their yields. I love it both from a submit perspective as well as an appreciation one.
Hill: Before they Go to Dan, I absorb a question of my own. This does not strike me as a Ron shameful nature of business. How did you find this one?
Gross: It's a Total Income recommendation because of that 2.4% yield.
Hill: Alright, Dan Boyd, question about Equinix.
Boyd: Ron, final week, you brought a chemical manufacturer. Now, you're bringing me a data hub actual estate investor.
Gross: You're welcome.
Boyd: Could you gratify find more involving stocks for me next time?
Gross: Give me a list of what you're interested in.
Boyd: Not that!
Gross: Alright, duly noted.
Hill: Jason Moser, what are you looking at this week?
Moser: I feel love the snoring sound outcome would live commandeer for Ron's --
Hill: You know what, though? To Ron's point, if you love yields, this might live one.
Gross: If you love yields, kids ...
Moser: Who doesn't love yields? I'm going Apple (NASDAQ: AAPL), ticker AAPL. They get this thing called the iPhone, you've probably heard of it.
I was thinking about this, the holiday season is a imposing time of year. If you absorb kids and you want to fetch them into investing, Apple makes a imposing stock to fetch them started. It's something they probably understand, they've seen the phones, the devices everywhere. If you absorb someone in your life and you want to fetch them started investing, rob a peek at Apple. I reckon the shares actually depict a pretty obliging value right now.
There's a imposing headline out there that iPhones are starting to laggard down. live that as it may, this is noiseless a massive company, and there's a younger user base that's coming up, and they will continue to spend those iPhones and iPads. I reckon they will Do very well pivoting toward Services as time goes on. We'll fetch some more clarity into the costs that Go into the Services side of that business. Also, you can't discount what they're going to Come out with in the future. They've got more resources than fill-in-the-blank. At the conclude of the day, this is Apple, one of the most Important companies in the world. I reckon the pullback in the shares represents a obliging opportunity.
Hill: Dan, question about Apple.
Boyd: Jason, you mentioned a younger user base. I was inquisitive to know if your children can await any Apple products in their stockings this Christmas?
Moser: I can neither confirm nor contravene this at this point, Dan, because --
Gross: They might live listening.
Moser: -- I don't reckon they listen, but there's a casual it could happen. I can't entrust to anything right now.
Hill: I just love that your kids are using the Amazon reverberate device in your home, but it's really just to try and fetch clues as to what's going to live under the tree on Christmas morning.
Moser: Oh, let me recount you, the get an announcement thing has caught fire in their house. Three floors, and we've got shameful sort of stuff going back and forth. They cherish it.
Hill: Matt Argersinger, what are you looking at this week?
Argersinger: We talked about the homebuilders earlier. They've been bludgeoned this year with rising interest rates and lower affordability, especially among unique homeowners. NVR (NYSE: NVR), ticker NVR. It's actually a favorite of John Rotonti in their investing group here at The Fool. It's got a imposing management team, imposing track record, excellent returns on capital. It's the only publicly traded homebuilder, by the way, which remained profitable through the housing crash. Really impressive. If you'd love to ante on a rebound in the homebuilders, I'd start with NVR.
Hill: Dan, question about NVR.
Boyd: Matty, will I ever live able to afford a house in a set I want to live?
Argersinger: Absolutely not. That's no longer a possibility, Dan. I'm sorry.
Boyd: That's too bad.
Hill: I'm going to Go on a limb and assume that Ron's stock is not one that Dan wants to add to his watchlist. So, Dan, between --
Gross: That's unfair.
Hill: You know what? You're right. It is unfair. Dan, three stocks. Equinix, Apple, NVR. Do you absorb one you would love to add to your watchlist?
Boyd: I loathe to eddy my back on my current champion, J-Mo, but I prefer NVR for Matty Argersinger today.
Hill: One final thing on Apple. Is it just me, or is there just a drumbeat of analysts on Wall Street who continually downgrade that stock?
Moser: Let me recount you, I will say, I just got the XR, the unique iPhone, and I am underwhelmed. I went from a 6 to a XR, and I benign of miss the 6. The changes are so incremental now. They absorb to Come up with something more special, I think.
Gross: Wall Street analysts are in the trade of the next 12 months. Don't always focus on that if you're a longer-term investor.
Hill: Ron Gross, Jason Moser, Matt Argersinger, guys, thanks for being here. That's going to Do it for this week's edition of Motley Fool Money. Their engineer is Dan Boyd. Their producer is Mac Greer. I'm Chris Hill. Thanks for listening! We'll survey you next week.
John Mackey, CEO of all Foods Market, an Amazon subsidiary, is a member of The Motley Fool's board of directors. Chris Hill owns shares of Amazon and SBUX. Jason Moser owns shares of Amazon, Apple, and SBUX. Matthew Argersinger owns shares of Amazon, SBUX, and Vail Resorts and has the following options: long January 2020 $45 calls on SBUX. Ron shameful owns shares of Amazon, Apple, and SBUX. Megan Brinsfield is an employee of Motley Fool Wealth Management, a separate, sister company of The Motley Fool, LLC. The information provided is intended to live educational only, and should not live construed as individualized advice. For individualized advice, gratify consult a monetary professional. The Motley Fool owns shares of and recommends Amazon, Apple, Equinix, and SBUX. The Motley Fool owns shares of NVR and has the following options: long January 2020 $150 calls on Apple and short January 2020 $155 calls on Apple. The Motley Fool recommends STZ, DNKN, RH, Ulta Beauty, and Vail Resorts. The Motley Fool has a disclosure policy.