Michael's Investment Perspective:
Navigating Wealth, Risk, and Life’s Lessons

For investors seeking stable, interest-generating vehicles, the newly issued certificate of deposit (CD) from Jonesboro State Bank in Jonesboro, Louisiana presents a compelling option. Offering a fixed 5.00% annual yield paid monthly , this CD provides a regular income stream and comes with FDIC protection for added security. Key Features: Issuer: Jonesboro State Bank (FDIC #9325) CUSIP: 48040PRB3 Coupon Rate: 5.00% annually (Fixed, Monthly Payouts) Maturity Date: April 18, 2035 Next Call Date: July 18, 2025 (callable at par with 15 days' notice) Minimum Denomination: $1,000 Availability: Restricted in Louisiana Strengths Attractive Yield: In a market where high-yield opportunities are increasingly rare, a 5.00% CD with monthly interest payments stands out. It may appeal to conservative investors seeking predictable income without market volatility. Monthly Payouts: Unlike many CDs that pay quarterly or semiannually, this one distributes ...

Stellus Capital Investment Corp. ( NYSE: SCM ) is quietly positioning itself as a compelling pick for income-focused investors—particularly those of us who appreciate monthly payouts and reliable cash flow. On April 8, the stock surged 3.29%, marking its largest single-day gain since May 2023 , and snapping an eight-day losing streak. While some investors may have been rattled by recent declines, this rebound could be a sign of stability returning. Let’s dig deeper into what makes SCM a standout among dividend-paying stocks—and why I’m bullish on its long-term role in a well-balanced, income-focused portfolio.  Business Model: How SCM Makes Money SCM is a Business Development Company (BDC) , meaning it exists to invest in and lend money to private, middle-market businesses across the United States. In return, SCM earns income through interest on loans, equity stakes, and other structured investments. Here’s how it works: Lending with a twist: SCM provides senior secured ...