The semiconductor industry records a supply chain recovery, with delivery times shortening to 14 weeks from 20 weeks earlier this year. Investing accounts holding chipmakers report strong price performance ahead of expected earnings beats. Analysts raise revenue forecasts as automotive and cloud segments increase demand. I like to look at how many shares insiders own in a company, to help inform my view of how aligned they are with insiders. I reckon it's a good sign if insiders own a significant number of shares in the company. Duluth Holdings insiders own 43% of the company, currently worth about US$64m based on the recent share price. I like to see this level of insider ownership, because it increases the chances that management are thinking about the best interests of shareholders. Risk: Annuity contracts are notoriously complex, and so you may not be getting exactly what you expect if you don’t read the contract’s fine print very closely. Annuities are fairly illiquid, meaning it can be hard or impossible to get out of one without incurring a significant penalty. If inflation rises substantially in the future, your guaranteed payout may not look as attractive either.