La cadena de opciones muestra datos clave de las opciones de acciones de Raytech Holding a varios precios de ejercicio y fechas de vencimiento. Los operadores utilizan esta información para analizar posibles operaciones y evaluar el sentimiento del mercado para Raytech Holding..

Raytech Holding (NASDAQ:RAY) Bolsa, Cadena de Opciones

Raytech Holding Ltd is principally engaged in product designing and manufacturing of various product ranges such as Hair Care, Men's Care and Women's Care products. It has sourced and wholesaled a wide range of personal care electrical appliances, which can be broadly classified into seven categories: hair styling series, including hair dryer, hair straightener and curling iron; trimmer series, including facial shaver, nose trimmer and eyebrow trimmer; eyelash curler; neck care series; nail care series; tooling and other personal care appliances such as body and facial brush, reset brush, callus remover, sonic peeling, handy fan and others. Raytech manufactures products under OEM and ODM.

Raytech Holding

Raytech Holding Limited - ordinary shares

Raytech Holding Ltd

Raydium - United States dollar

Erayak Power Solution Group Inc. - Class A Ordinary Shares

Erayak Power Solution Group Inc

Rayliant Quantamental China Equity ETF

The Advisors' Inner Circle Fund III Rayliant Quantitative Developed Market Equity ETF

Rayliant Quantamental Emerging Market ex-China Equity ETF

The Advisors' Inner Circle Fund III Rayliant SMDAM Japan Equity ETF

Global X Solar ETF

Rayont Inc

Billionaire investor Mark Cuban blasted a Commerce Department plan under discussion to charge patent holders a percentage of their patent value, calling it "one of the dumbest ideas in the history of business."
What Happened: In a post on X reacting to a Wall Street Journal report that officials are weighing a new levy of 1% to 5% of a patent's overall value, Cuban added, "The crazy part is that fewer patents will be filed as inventors try to protect their creations from LLMs."
<figure class="wp-block-embed is-type-rich is-provider-twitter wp-block-embed-twitter"> 
<div class="wp-block-embed__wrapper">
<blockquote class="twitter-tweet" data-width="500" data-dnt="true">One of the dumbest ideas in the history of business. The crazy part is that fewer patents will be filed as inventors try to protect their creations from LLMs. ExclusiveTrump Administration Weighs Charging Patent Holders New Fee to Raise Revenue &#8211; WSJf <a href="https://t.co/5UHjvDMnKs">https://t.co/5UHjvDMnKs</a>
&mdash; Mark Cuban (@mcuban) <a href="https://twitter.com/mcuban/status/1950747852034248947?ref_src=twsrc%5Etfw">July 31, 2025</a></blockquote>
<script async src="https://platform.twitter.com/widgets.js" charset="utf-8"></script></div>
</figure>
The Journal reported the idea is part of Commerce Secretary Howard Lutnick's revenue-raising push and could either replace or supplement today's fee schedule, a shift that critics say would act like a recurring tax on intellectual property and saddle owners with unpredictable costs.
See Also: <a href="https://www.benzinga.com/news/politics/25/07/46749278/chuck-schumer-says-scott-bessent-slipped-and-told-the-truth-about-trumps-social-security-privatization-plan">Chuck Schumer Says Scott Bessent &#8216;Slipped&#8217; And &#8216;Told The Truth&#8217; About Trump&#8217;s Social Security Privatization Plan</a>
Analysts told the paper that valuing millions of active U.S. patents would be difficult and that the U.S., which traditionally charges flat fees ranging from hundreds to roughly $10,000 over a patent's life, would become an outlier among major patent systems.
Brad Watts, senior vice president at the U.S. Chamber of Commerce&#8217;s Global Innovation Policy Center, called it a "<a href="https://www.benzinga.com/news/politics/25/07/46680702/trump-administration-weighs-paradigm-shift-in-patent-system-to-raise-billions-in-revenue-report">paradigm shift</a>," noting that a value-based levy would upend a 235-year-old practice in which applicants pay standardized filing, examination and maintenance fees rather than a percentage of assessed value.
Why It Matters: Legal and industry groups have already signaled pushback. Patent scholars at Patently-O warned that a 1%–5% value tax would "dramatically increase costs" and make the U.S. an international anomaly, while Bloomberg Law <a href="https://news.bloomberglaw.com/bloomberg-government-news/lutnick-backed-patent-fees-proposal-blasted-by-lawyers-chamber">reported</a> Chamber of Commerce concerns that the plan could undermine the nation's innovation ecosystem.
Cuban's criticism adds a high-profile voice to resistance that has spread across tech, life sciences and manufacturing. He has sparred publicly with Lutnick before. In May, Cuban <a href="https://www.benzinga.com/25/05/45395189/mark-cuban-takes-a-jab-at-howard-lutnick-in-which-time-share-company-is-he-going-to-get-a-job-in-sales-at">mocked the secretary</a> on social media, showcasing a growing clash over how Washington funds government priorities without chilling private-sector invention.
Read Next: 
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<li><a href="https://www.benzinga.com/markets/tech/25/07/46750637/chamath-palihapitiya-laid-out-a-short-case-against-meta-alphabet-in-2020-both-have-since-rallied-over-160">Chamath Palihapitiya Laid Out A Short Case Against Meta, Alphabet In 2020—Both Have Since Rallied Over 160%</a></li>
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Image via Shutterstock

News

Politics

Legal

Mark Cuban Says This Trump Administration Move Is 'One Of the Dumbest….'

Leading cryptocurrencies fell alongside stocks on Thursday as a jump in consumer prices dampened hopes of interest rate cuts. &nbsp;
<figure class="wp-block-table"> 
<table class="has-fixed-layout">
<thead>
<tr>
<th>Cryptocurrency</th>
<th>Gains +/-</th>
<th>Price (Recorded at 9:40 p.m. ET)</th>
</tr>
</thead>
<tbody>
<tr>
<td>Bitcoin (CRYPTO: <a class="ticker" href="https://www.benzinga.com/quote/btc/usd">BTC</a>)</td>
<td>-2.17%</td>
<td>$115,531.73</td>
</tr>
<tr>
<td>Ethereum (CRYPTO: <a class="ticker" href="https://www.benzinga.com/quote/eth/usd">ETH</a>) &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</td>
<td>-3.77%</td>
<td>$3,680.37</td>
</tr>
<tr>
<td>Dogecoin (CRYPTO: <a class="ticker" href="https://www.benzinga.com/quote/doge/usd">DOGE</a>)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</td>
<td>-5.72%</td>
<td>$0.2084</td>
</tr>
</tbody>
</table>
</figure>
What Happened: Bitcoin tumbled to an intraday low of $114,369.87, prompting a broader market decline. Ethereum sank below $3,700.
Bullish long traders were heavily hit by the slump, with over $570 million in long positions wiped out in the last 24 hours.
That said, the two cryptocurrency heavyweights recorded a profitable July. While Bitcoin rose nearly 8% in the month, Ethereum skyrocketed over 48%.
Bitcoin's open interest fell by 0.86% in the last 24 hours, while funds locked in Ethereum unsettled contracts dropped 1.83%.&nbsp;
The "greed" sentiment weakened further in the market, according to the Crypto Fear &amp; Greed Index.
Top Gainers (24 Hours)
<figure class="wp-block-table"> 
<table class="has-fixed-layout">
<thead>
<tr>
<th>Cryptocurrency</th>
<th>Gains +/-</th>
<th>Price (Recorded at 9:40 p.m. ET)</th>
</tr>
</thead>
<tbody>
<tr>
<td>Toncoin (TON)&nbsp;&nbsp;&nbsp;&nbsp;</td>
<td>+2.00%</td>
<td>$3.49</td>
</tr>
<tr>
<td>XDC Network (XDC)&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</td>
<td>+1.77%</td>
<td>$0.09785</td>
</tr>
<tr>
<td>Story (IP)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</td>
<td>+1.16%</td>
<td>$6.02 </td>
</tr>
</tbody>
</table>
</figure>
The global cryptocurrency market capitalization stood at $3.78 trillion, contracting 2.33% in the last 24 hours.
Stocks closed lower on Thursday. The Dow Jones Industrial Average dropped 330.30 points, or 0.74%, to end at 44,130.98. The S&amp;P 500 dipped 0.37%, ending at 6,339.39. The tech-focused Nasdaq Composite lost 0.03% to finish at 21,122.45.
The Personal Consumption Expenditures price index, the Federal Reserve's preferred inflation gauge,<a href="https://www.benzinga.com/markets/economic-data/25/07/46755543/inflation-pce-june-tariffs-trump-powell-interest-rates"> jumped to 2.6% year-over-year</a>, up from 2.3% in May and topping expectations of 2.5%, casting doubt on the future of rate cuts this year.
Investors have been anxious following Federal Reserve Chair Jerome Powell&#8217;s <a href="https://www.benzinga.com/markets/macro-economic-events/25/07/46736975/powell-holds-rates-copper-crashes-after-tariff-change-trump">hawkish tone after the central bank's July policy meeting</a>.
See More: <a href="https://www.benzinga.com/money/best-crypto-scanners">Best Cryptocurrency Scanners</a>
Analyst Notes: Widely followed cryptocurrency analyst and trader CW suggested that the retail demand for Bitcoin was on the rise.
"Transfer volumes have bottomed out and are gradually increasing. Transfer volume remains low, but growing demand from retail investors is a positive sign," the analyst said. "If they return to the market in earnest, the BTC rally will continue."
<figure class="wp-block-embed is-type-rich is-provider-twitter wp-block-embed-twitter"> 
<div class="wp-block-embed__wrapper">
<blockquote class="twitter-tweet" data-width="500" data-dnt="true">Retail investor demand for <a href="https://twitter.com/search?q=%24BTC&amp;src=ctag&amp;ref_src=twsrc%5Etfw">$BTC</a> is increasing. Transfer volumes have bottomed out and are gradually increasing. Transfer volume remains low, but growing demand from retail investors is a positive sign. If they return to the market in earnest, the <a href="https://twitter.com/search?q=%24BTC&amp;src=ctag&amp;ref_src=twsrc%5Etfw">$BTC</a> rally will continue. <a href="https://t.co/R9WTnMMgxa">pic.twitter.com/R9WTnMMgxa</a>
&mdash; CW (@CW8900) <a href="https://twitter.com/CW8900/status/1950969335650120121?ref_src=twsrc%5Etfw">July 31, 2025</a></blockquote>
<script async src="https://platform.twitter.com/widgets.js" charset="utf-8"></script></div>
</figure>
Another popular cryptocurrency analyst, Michaël van de Poppe, predicted that Ethereum may peak around $4,000 in the short term, followed by a brief pullback.
"Things are building up for a perfect bull market for the coming 12-24 months on altcoins," Van De Poppe stated.
<figure class="wp-block-embed is-type-rich is-provider-twitter wp-block-embed-twitter"> 
<div class="wp-block-embed__wrapper">
<blockquote class="twitter-tweet" data-width="500" data-dnt="true">Volatility dies down on <a href="https://twitter.com/search?q=%24ETH&amp;src=ctag&amp;ref_src=twsrc%5Etfw">$ETH</a>, which makes it likely that we&#39;re going to be seeing a top around the $4K area in the short-term and then a short-lived correction. Things are building up for a perfect bull market for the coming 12-24 months on the <a href="https://twitter.com/hashtag/Altcoins?src=hash&amp;ref_src=twsrc%5Etfw">#Altcoins</a>. <a href="https://t.co/ic0oEE3YLX">pic.twitter.com/ic0oEE3YLX</a>
&mdash; Michaël van de Poppe (@CryptoMichNL) <a href="https://twitter.com/CryptoMichNL/status/1950855456039051428?ref_src=twsrc%5Etfw">July 31, 2025</a></blockquote>
<script async src="https://platform.twitter.com/widgets.js" charset="utf-8"></script></div>
</figure>
Read Next:&nbsp;&nbsp;&nbsp;&nbsp;
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<li><a href="https://www.benzinga.com/crypto/cryptocurrency/25/07/46770711/sec-launches-project-crypto-heres-what-it-means-for-you">SEC Launches &#8216;Project Crypto&#8217; — Here&#8217;s What It Means For You</a></li>
</ul>
Photo Courtesy: Rido on Shutterstock

Coverage of Bitcoin, Etherum, Ripple and all the latest digital currencies.

Cryptocurrency

$BTC

$DOGE

$ETH

Bitcoin, Ethereum, Dogecoin Slide As Hotter-Than-Expected Inflation Dims Rate Cut Hopes: Analyst Sees ETH Dip After $4,000 Peak

On Thursday, Apple Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AAPL#NASDAQ">AAPL</a>) CEO Tim Cook said the company is open to considering artificial intelligence acquisitions.
During Apple's <a href="https://www.benzinga.com/markets/earnings/25/07/46776239/apple-q3-earnings-revenue-eps-smash-estimates-as-iphone-sales-jump-active-installed-base-reaches-new-highs">third-quarter earnings call</a>, Citi analyst Atas Malik asked whether the company would accelerate its AI roadmap through major mergers and acquisitions.
Check out the current price of <a href="https://benzinga.com/quote/AAPL" target="_blank" rel="noreferrer noopener">AAPL stock here</a>.
Cook responded that Apple has already acquired around seven companies this year and remains "very open to M&amp;A that accelerates our roadmap."
<h2 class="wp-block-heading">Apple Is Open To M&amp;A, Says Tim Cook</h2>
"We are not stuck on a certain size company," Cook said. "Although the ones that we have acquired thus far this year are small in nature… we basically ask ourselves whether a company can help us accelerate a roadmap. If they do, then we're interested."
See Also: <a href="https://www.benzinga.com/markets/tech/25/07/46680504/apple-faces-18-month-deadline-to-deliver-on-ai-says-analyst" target="_blank" rel="noreferrer noopener">Apple Faces 18-Month Deadline To Deliver On AI, Says Analyst</a>
<h2 class="wp-block-heading">Apple's M&amp;A History Lags Behind Meta, Google</h2>
While Cook's comments reflect a willingness to act, Apple's past tells a different story. Its largest-ever acquisition <a href="https://www.benzinga.com/markets/equities/23/05/32613736/if-you-invested-1000-in-apple-when-it-made-its-biggest-acquisition-9-years-ago-heres-how-much-yo">remains the $3 billion</a> Beats Electronics deal in 2014.
By contrast, peers like Facebook-parent Meta Platforms, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/META#NASDAQ">META</a>) acquired WhatsApp <a href="https://www.benzinga.com/exclusives/15/01/5187867/facebook-may-not-need-to-prove-whatsapp-was-worth-19-billion">for $19 billion</a>, Alphabet Inc.'s (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/GOOG#NASDAQ">GOOG</a>) (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/GOOGL#NASDAQ">GOOGL</a>) Google bought Motorola Mobility for $12.5 billion and Microsoft Corporation (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/MSFT#NASDAQ">MSFT</a>) spent a <a href="https://www.benzinga.com/general/gaming/24/10/41342256/microsoft-settles-antitrust-lawsuit-filed-by-gamers-over-activision-blizzard-acquisition">staggering $69 billion</a> on Activision Blizzard.
<h2 class="wp-block-heading">Apple Trails Rivals Like Meta, Microsoft In AI Spending</h2>
Apple also remains a relatively modest spender on capital expenditures compared to other big tech firms. In the June quarter, it reported $3.46 billion in capex—its highest since December 2022—up from $2.15 billion a year earlier. At that pace, annual spending would total around $14 billion, according <a href="https://www.cnbc.com/2025/07/31/tim-cook-apple-ai-acquisitions.html?taid=688bffe49f3972000101230c&amp;utm_campaign=trueanthem&amp;utm_content=main&amp;utm_medium=social&amp;utm_source=twitter">to</a> CNBC.
In comparison, Meta, Google and Microsoft have spent <a href="https://www.benzinga.com/markets/tech/25/07/46760252/meta-microsoft-and-google-are-unleashing-a-250-billion-ai-tsunami">tens of billions to dominate</a> the AI arms race. Meta alone projects up <a href="https://www.benzinga.com/markets/tech/25/07/46745285/meta-cfo-susan-li-says-company-may-tap-external-financing-for-2026-ai-infrastructure-as-capex-heads-toward-100-billion">to $72 billion in annual</a> CapEx, while Google expects $85 billion.
<h2 class="wp-block-heading">Apple Reportedly Eyes Perplexity AI, Mistral And Others</h2>
Meanwhile, it has been reported that <a href="https://www.benzinga.com/markets/tech/25/06/46041473/apple-eyes-perplexity-ai-acquisition-while-facing-shareholder-lawsuit-over-exaggerated-ai-progress-report">Apple is evaluating</a> Perplexity AI as a possible acquisition. Apple has also reportedly looked at other smaller AI companies like Cohere, Mistral and Thinking Machines Lab.
<h2 class="wp-block-heading">Apple Beats Earnings Expectations In Q3 Revenue</h2>
Apple posted fiscal third-quarter revenue of $94 billion, surpassing expectations of $89.04 billion. The company closed the quarter with $36.27 billion in cash and cash equivalents.
Price Action: Apple shares rose 2.42% in after-hours trading, according to <a href="https://pro.benzinga.com/dashboard">Benzinga Pro</a>.
Benzinga's Edge Stock Rankings show that AAPL continues to display strong upward momentum in the short and medium term, though it trends downward over the long term. <a href="https://www.benzinga.com/premium/ideas/benzinga-edge-2#:~:text=Turn%20Market%20Chaos,when%20markets%20rebound'">More detailed performance insights are available here</a>.
<figure class="wp-block-image size-full"><a href="https://www.benzinga.com/premium/ideas/benzinga-edge-2#:~:text=Turn%20Market%20Chaos,when%20markets%20rebound'"><img decoding="async" src="https://editorial-assets.benzinga.com/wp-content/uploads/2025/07/31215702/Screenshot-2025-08-01-at-7.22.20%E2%80%AFAM.png" alt="" class="wp-image-1010025" /></a></figure>
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<li><a href="https://www.benzinga.com/25/05/45396297/cathie-wood-dumps-palantir-as-stock-touches-peak-prices-bails-on-soaring-flying-taxi-maker-archer-aviation" target="_blank" rel="noreferrer noopener">Cathie Wood Dumps Palantir As Stock Touches Peak Prices, Bails On Soaring Flying-Taxi Maker Archer Aviation</a></li>
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Disclaimer:&nbsp;This content was partially produced with the help of AI tools and was reviewed and published by Benzinga editors.
Photo courtesy: jamesteohart/Shutterstock

AAPL

GOOG

GOOGL

MSFT

Tim Cook Says Apple Is 'Very Open' To AI Acquisitions Amid Mounting Pressure To Catch Up With Google, Meta And Microsoft

Economist Peter Schiff is criticizing the Federal Reserve for its handling of inflation, arguing that the central bank is underestimating persistent price pressures.
What Happened: On Thursday, in a post on X, Schiff said that &#8220;the biggest takeaway&#8221; from Fed Chair Jerome Powell&#8217;s post-meeting press conference was his admission that the central bank was already &#8220;looking through persistent and rising above-target inflation,&#8221; but wasn&#8217;t raising the rates.
See Also: <a href="https://www.benzinga.com/news/politics/25/07/46749812/trump-jamie-dimon-reportedly-meet-after-presidents-fed-visit-ending-years-long-rift-what-changed">Trump, Jamie Dimon Reportedly Meet After President&#8217;s Fed Visit, Ending Years-Long Rift: What Changed?</a>
According to Schiff, President Donald Trump&#8217;s tariffs will be just &#8220;one of several factors leading to much higher inflation,&#8221; and as a result, he believes that &#8220;Fed policy is far too loose,&#8221; suggesting the need for rate hikes.
With tariffs expected to push consumer prices higher, economists like Schiff believe that the Fed&#8217;s decision to ease monetary policy too soon might further entrench price instability.
<figure class="wp-block-embed is-type-rich is-provider-twitter wp-block-embed-twitter"> 
<div class="wp-block-embed__wrapper">
<blockquote class="twitter-tweet" data-width="500" data-dnt="true">The biggest takeaway from the Powell presser was his letting slip that the Fed is already looking through persistent and rising above-target inflation by not raising rates. Tariffs will just be one of several factors leading to much higher inflation. Fed policy is far too loose.
&mdash; Peter Schiff (@PeterSchiff) <a href="https://twitter.com/PeterSchiff/status/1950936647144534278?ref_src=twsrc%5Etfw">July 31, 2025</a></blockquote>
<script async src="https://platform.twitter.com/widgets.js" charset="utf-8"></script></div>
</figure>
Why It Matters: This comes following the Fed&#8217;s July Federal Open Market Committee (FOMC) meeting on Wednesday, when it <a href="https://www.benzinga.com/markets/macro-economic-events/25/07/46746117/fed-holds-rates-amid-trumps-demands-for-a-cut-powell-more-hawkish-than-anyone-expected-say-economists-historic-dissent-noted">decided to hold</a> the benchmark interest rate unchanged at 4.25% to 4.50%.
While Schiff pushes for a hawkish stance with a rate hike, Trump has been batting for <a href="https://www.benzinga.com/markets/macro-economic-events/25/07/46512725/peter-schiff-says-trump-wants-fed-chair-jerome-powell-to-do-exactly-what-he-accused-janet-yellen-of-doing-for-obama-a-dangerous-step">aggressive rate cuts</a> for the past several months, demanding rates as low as 1%.
Over a month ago, Powell had told Congress that its <a href="https://www.benzinga.com/markets/economic-data/25/06/46077396/powell-interest-rates-trump-inflation-tariffs">near-term policy</a> uncertainty revolves almost entirely around Trump&#8217;s tariffs. &#8220;Increases in tariffs this year are likely to push up prices and weigh on economic activity,&#8221; he said, adding that the Fed was monitoring inflation pass-through to consumers.
Others, such as Louis Navellier, the founder and chief investment officer at Navellier &amp; Associates, have <a href="https://www.benzinga.com/markets/macro-economic-events/25/07/46753311/delusional-world-analyst-slams-jerome-powells-inaction-as-experts-debate-possibility-of-six-cuts-starting-september">criticized the Fed</a> for not cutting rates fast enough. 
&#8220;The Fed lives in a delusional world. They're not reading the data,&#8221; he said, citing a weakening economy and five straight months of inflation coming in below expectations.
Price Action: Even as the Fed holds interest rates steady for the fifth consecutive meeting, the S&amp;P 500, tracked by the SPDR S&amp;P 500 ETF Trust (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SPY#NYSE">SPY</a>) and the Invesco QQQ Trust (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/QQQ#NASDAQ">QQQ</a>), which tracks the Nasdaq, are both up 8.11% and 10.74% year-to-date, respectively.
Read More: 
<ul class="wp-block-list">
<li><a href="https://www.benzinga.com/markets/macro-economic-events/25/07/46750358/odds-of-zero-fed-rate-cuts-in-2025-surge-to-25-after-jerome-powells-press-conference-rate-cuts-are-being-priced-out-of-markets">Odds of &#8216;Zero&#8217; Fed Rate Cuts In 2025 Surge To 25% After Jerome Powell&#8217;s Press Conference: &#8216;Rate Cuts Are Being Priced-Out Of Markets&#8217;</a></li>
</ul>
Photo courtesy: Domenico Fornas / Shutterstock

Government

Federal Reserve

Markets

Peter Schiff Slams Fed's Blind Spot: Jerome Powell 'Looking Through' Soaring Inflation While Policy Remains 'Far Too Loose'

A mother who depends on <a href="https://www.benzinga.com/personal-finance/management/25/06/46073802/she-thought-her-ssi-ended-at-18-now-shes-worried-her-mom-may-still-be-collecting-it">Supplemental Security Income</a> is now facing a long suspension of her benefits — all because of a car accident settlement that didn't turn out the way anyone expected.
According to a post shared in the <a href="https://www.reddit.com/r/SocialSecurity/comments/1m60bqw/moms_ssi_suspended_she_won_a_settlement_of_25000/">r/SocialSecurity forum</a> on Reddit, the woman was awarded $25,000 from a 2021 car accident. But after years of delays, legal fees, and Medicaid reimbursement, she only received a little over $8,000 — and not until early this year.
Despite that, the post says the Social Security Administration is treating it like she had the full $25,000 in her bank account since 2021. That misunderstanding has now left her without her monthly SSI benefits — and trying to figure out what to do next.
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<h2 class="wp-block-heading">SSI Has a Hard Cap on What You Can Own</h2>
SSI is designed to help people with low income and limited resources, but those resources are tightly monitored. In order to stay eligible, <a href="https://www.ssa.gov/ssi/spotlights/spot-transfer-resources.htm">SSA rules</a> say you can't have more than $2,000 in countable assets if you're single — or $3,000 for couples.
Countable resources include things like cash, bank account balances, stocks, property (other than your primary home) and most other items that can be sold or converted to money. One-time payments, like a settlement or inheritance, count toward that limit.
Even if you only have the money temporarily, going over the resource cap — even for just one day — can make you ineligible for that month's SSI payment.
<h2 class="wp-block-heading">Why Giving the Money Away Isn't the Solution</h2>
The Reddit user asked whether giving the remaining $8,000 to family members or grandchildren would help her mom qualify for SSI again.
Trending: ‘Scrolling To UBI' — Deloitte's #1 fastest-growing software company allows users to earn money on their phones. You can <a href="https://www.benzinga.com/money/mode-mobile-2">invest today for just $0.30/share.</a>
Unfortunately, it doesn't work that way. Giving away money while on SSI is considered a "transfer of resources," and the SSA can penalize you by suspending benefits for up to 36 months. That's because transferring assets for less than their full value — including gifts — is seen as an attempt to bypass the resource limit.
One Reddit commenter put it bluntly: "Who in their right mind gives away $8,000 when they&#8217;re poor? Don&#8217;t you think SSA will be asking this same [question]?"
<h2 class="wp-block-heading">The Right Way to Spend Down the Money</h2>
There is a path forward — but it requires careful documentation. To get back on SSI, the woman needs to show that she spent the $8,000 on allowable expenses and didn't just hand it off or stash it.
Some suggestions from commenters included:
<ul class="wp-block-list">
<li>Buying a new car or repairing an old one</li>
<li>Paying for a full year of car insurance</li>
<li>Making necessary home repairs</li>
<li>Purchasing household items, groceries, or medical supplies</li>
<li>Replacing furniture or essential appliances</li>
</ul>
The key is to spend the money in a traceable way — ideally through a bank account, with receipts — so the SSA can clearly see where the money went.
See Also: Warren Buffett once said, "If you don't find a way to make money while you sleep, you will work until you die."<a href="https://www.benzinga.com/money/warren-buffet-make-money-when-you-sleep"> Here&#8217;s how you can earn passive income with just $10.</a>
<h2 class="wp-block-heading">If You're in a Similar Situation</h2>
Getting a settlement, back pay, or other lump sum while on SSI can be tricky. Here are a few tips to stay on the right side of the rules:
<ul class="wp-block-list">
<li>Report the money to SSA immediately</li>
<li>Don't withdraw it all in cash — use a bank account to create a paper trail</li>
<li>Spend down the funds carefully, only on necessary items</li>
<li>Keep receipts and records of everything</li>
<li>Don't gift the money to others — it could result in a longer suspension</li>
</ul>
Even a relatively small windfall can lead to serious consequences if handled the wrong way. For those relying on SSI, it's essential to understand how one-time payments can affect eligibility — and to plan carefully to <a href="https://www.benzinga.com/personal-finance/management/25/07/46206467/social-security-says-she-owes-4765-but-could-the-monthly-rule-save-her-from-paying-back-money-she-didnt-earn">protect your benefits</a>.
Read Next: The average American couple has saved this much money for retirement —<a href="http://www.benzinga.com/money/smartasset"> How do you compare</a>?
Image: Shutterstock

Personal Finance

How A $25K Car Crash Settlement Could Leave This Mom Without SSI For Years

DRMAW

Trading Halt: Halted at 7:50:00 p.m. ET - Trading Halt: Halt News Pending

DRMA

HCTI

Apollo Asset Management (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/APO#NYSE">APO</a>) has outperformed the market over the past 10 years by 10.16% on an annualized basis producing an average annual return of 21.8%. Currently, Apollo Asset Management has a market capitalization of $83.05 billion. 
Buying $1000 In APO: If an investor had bought $1000 of APO stock 10 years ago, it would be worth $7,074.98 today based on a price of $145.32 for APO at the time of writing.
<h3>Apollo Asset Management's Performance Over Last 10 Years</h3>
<img src="https://www.benzinga.com/files/images/story/2025/1754004614_0.png" alt="comp_fig" />
Finally -- what's the point of all this? The key insight to take from this article is to note how much of a difference compounded returns can make in your cash growth over a period of time.
This article was generated by Benzinga's automated content engine and reviewed by an editor.

Trading Ideas

If You Invested $1000 In This Stock 10 Years Ago, You Would Have This Much Today

Barrington Research analyst Kevin Steinke maintains Quad/Graphics (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/QUAD#NYSE">QUAD</a>) with a Outperform and maintains $10 price target.

Price Target

Analyst Ratings

QUAD

Barrington Research Maintains Outperform on Quad/Graphics, Maintains $10 Price Target

Barrington Research analyst Alexander Paris maintains Affiliated Managers Group (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/AMG#NYSE">AMG</a>) with a Outperform and raises the price target from $200 to $240.

Barrington Research Maintains Outperform on Affiliated Managers Group, Raises Price Target to $240

Macquarie analyst Paul Golding maintains Visa (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/V#NYSE">V</a>) with a Outperform and raises the price target from $380 to $425.

Macquarie Maintains Outperform on Visa, Raises Price Target to $425

TD Securities analyst Cherilyn Radbourne maintains Canadian Pacific Kansas (TSX:<a class="ticker" href="https://www.benzinga.com/stock/CP#TSX">CP</a>) with a Hold and raises the price target from C$117 to C$118.

TSX:CP

TD Securities Maintains Hold on Canadian Pacific Kansas, Raises Price Target to C$118

TD Securities analyst Aaron Macneil maintains Precision Drilling (TSX:<a class="ticker" href="https://www.benzinga.com/stock/PD#TSX">PD</a>) with a Hold and raises the price target from C$71 to C$77.

TSX:PD

TD Securities Maintains Hold on Precision Drilling, Raises Price Target to C$77

UBS analyst Amit Mehrotra maintains Vertiv Holdings (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/VRT#NYSE">VRT</a>) with a Buy and raises the price target from $135 to $173.

UBS Maintains Buy on Vertiv Holdings, Raises Price Target to $173

Pure Storage (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PSTG#NYSE">PSTG</a>) has outperformed the market over the past 5 years by 12.98% on an annualized basis producing an average annual return of 26.85%. Currently, Pure Storage has a market capitalization of $19.45 billion. 
Buying $1000 In PSTG: If an investor had bought $1000 of PSTG stock 5 years ago, it would be worth $3,290.22 today based on a price of $59.51 for PSTG at the time of writing.
<h3>Pure Storage's Performance Over Last 5 Years</h3>
<img src="https://www.benzinga.com/files/images/story/2025/1754003713_0.png" alt="comp_fig" />
Finally -- what's the point of all this? The key insight to take from this article is to note how much of a difference compounded returns can make in your cash growth over a period of time.
This article was generated by Benzinga's automated content engine and reviewed by an editor.

PSTG

Here's How Much $1000 Invested In Pure Storage 5 Years Ago Would Be Worth Today

Wells Fargo analyst Derek Archila maintains argenx (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/ARGX#NASDAQ">ARGX</a>) with a Overweight and raises the price target from $741 to $756.

ARGX

Wells Fargo Maintains Overweight on argenx, Raises Price Target to $756

Citigroup analyst Joanne Wuensch maintains GE HealthCare Techs (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/GEHC#NASDAQ">GEHC</a>) with a Buy and raises the price target from $89 to $93.

GEHC

Citigroup Maintains Buy on GE HealthCare Techs, Raises Price Target to $93

Citigroup analyst Ronald Josey maintains Carvana (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CVNA#NYSE">CVNA</a>) with a Buy and raises the price target from $415 to $490.

CVNA

Citigroup Maintains Buy on Carvana, Raises Price Target to $490

Citigroup analyst Ariel Rosa maintains United Parcel Service (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/UPS#NYSE">UPS</a>) with a Buy and lowers the price target from $127 to $114.

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