Core Insights - The traditional view of retirement assumes that expenses will decrease significantly, but this is increasingly challenged by the reality of housing debt and rising costs for many retirees [1][3]. Group 1: Retirement Challenges - A growing number of older Americans are entering retirement with housing debt, higher insurance costs, and uncertainties regarding healthcare and inflation, making the assumption that retirement will be cheaper than working life less reliable [3]. - The case of a hypothetical retiree, Tom, illustrates the financial strain of carrying a mortgage into retirement, with a monthly payment of $1,650 consuming a significant portion of his expected income [2][7]. Group 2: Economic Realities of Mortgages - Carrying a mortgage into retirement, once seen as a failure of planning, is now viewed as an economic reality due to various factors such as refinancing during low-rate periods and unexpected life events [4]. - For some retirees, maintaining a mortgage can be financially sensible if the interest rate is low and investment returns exceed mortgage costs, allowing for better liquidity [5]. Group 3: Financial Implications - The fixed nature of mortgage payments poses a risk for retirees as their income shifts from wages to Social Security and withdrawals from savings, potentially leading to accelerated portfolio depletion [6][7].

Bloom Energy solid-oxide fuel cell units at a solar site, showing Bloom Energy branding and clean power infrastructure. Key Points Bloom Energy is well-positioned to serve data center and industrial power needs. A triple-digit increase in the backlog points to strong revenue and earnings in 2026. Analysts and institutions indicate accumulation, but there is a risk of volatility. Interested in Bloom Energy Corporation? Here are five stocks we like better. Bloom Energy (NYSE: BE) has been advancing f ...

ConocoPhillips (NYSE:COP) is included among 13 Best Long Term Low Risk Stocks to Buy Now. ConocoPhillips (COP) Gets Higher Target at Roth Capital as Cost Cuts Progress On February 5, Roth Capital Partners increased its price objective on ConocoPhillips (NYSE:COP) to $112 from $105. It also kept a Buy rating on the stock. The move followed the company’s fourth-quarter results, unchanged 2026 capital spending plans, and steady progress on a $1B cost-cutting program. As Roth rolled out its first look at 202 ...

Core Insights - Cipher Mining is transitioning from primarily crypto mining to securing long-term contracts with tech giants for AI data centers, with Amazon being a significant customer through a 15-year lease worth $5.5 billion [1] Group 1: AI and Tech Contracts - Cipher Mining is expected to win more contracts as it brings additional gigawatts online, currently holding a 3.4 gigawatt pipeline that remains largely unallocated [2] - The Amazon deal illustrates that Cipher Mining can secure contracts without immediate energy delivery, with part of the 300 megawatts promised to Amazon expected by July 2026 [9] Group 2: Crypto Mining Operations - Cipher Mining's crypto mining revenue has nearly tripled year-over-year to $71.7 million, although the segment remains unprofitable with a reduced operating loss of $37.6 million compared to $91.4 million in the same quarter last year [4] - The company holds $170 million in Bitcoin, providing direct exposure to Bitcoin price movements, unlike other miners who sell their mined Bitcoin immediately [5] Group 3: Expansion and Infrastructure - Cipher Mining has acquired a 200 megawatt site in Ohio, expanding its geographical footprint and increasing its total pipeline to 3.4 gigawatts across eight sites [7] - This expansion allows Cipher Mining to build its energy pipeline more rapidly while already having sufficient gigawatts to support future tech deals [8]

Eli Lilly and Company (NYSE:LLY) is included among 13 Best Long Term Low Risk Stocks to Buy Now. Goldman Sachs Reaffirms Buy on Eli Lilly and Company (LLY), Citing 25% Growth Outlook On February 5, Goldman Sachs raised its price recommendation on Eli Lilly and Company (NYSE:LLY) to $1,260 from $1,145. The firm reiterated its Buy rating on the stock. Shares jumped about 10% after the company posted a strong earnings beat and issued 2026 guidance that came in above expectations. In a note to investors, Gol ...

Quick Read First Trust SDVY (SDVY) returned 13.5% over the past year. Its Q4 2025 dividend dropped 28% to $0.1305. Uniting Wealth Partners initiated a $7.6M position in SDVY during Q3 2025 as a top ten holding. SDVY’s small-cap holdings face heightened sensitivity to borrowing costs and credit conditions. A recent study identified one single habit that doubled Americans’ retirement savings and moved retirement from dream, to reality. Read more here. First Trust SMID Cap Rising Dividend Achievers ...

Core Viewpoint - Software and AI-exposed stocks have faced significant sell-offs in early 2023, with concerns that AI may disrupt demand rather than enhance it [1][2] Group 1: Market Dynamics - The sell-off in AI-related stocks accelerated in February due to renewed fears about the implications of AI advancements [1] - Despite these concerns, the market has not entered a state of panic; instead, investors are adapting and identifying new opportunities [2] - Capital is shifting towards sectors perceived as insulated from AI disruption, marking a departure from the previous year's trend where AI exposure was considered beneficial [3] Group 2: Sector Performance - Industries linked to cyclical and consumer activities have seen gains while software stocks have struggled, with the Dow Jones Industrial Average approaching all-time highs [4] - The market is increasingly favoring sectors characterized by their reliance on physical assets and real-world demand, rather than software pricing or data monetization [5]

Nio Inc. (NYSE:NIO) stock surged on Thursday after the company announced a positive profit alert for the fourth quarter of 2025, signaling a strong turnaround from the previous year. Positive Profit Outlook for Q4 2025 The company a major rival to Tesla, Inc. (NASDAQ:TSLA), expects to achieve an adjusted profit from operations of approximately 0.7 billion Chinese yuan (roughly $100 million) to 1.2 billion Chinese yuan (approximately $172 million) for the quarter. In comparison, it recorded an adjusted lo ...

He explained exactly how he'd do it: Target properties that are paid off, offer full asking price, and negotiate seller-financed terms at 3% for five years. "You become the bank," Cardone said. "You're not earning 3% at the bank right now…and if I don't make the payment, you take the house back. You're up $350,000."Even for single-family homes, he thinks the leverage is there. You just need to stop chasing a discount and start chasing terms. "Surrender to the price and get the terms," he said in the intervi ...

These aren't just abstract numbers either, and it matters when you are a retired couple as the gap between living in New York and Florida represents roughly $15,000 in annually in reduced tax extraction, money that stays in the pocket of the retirees. Over a 25-year retirement, this is potentially $375,000 in savings, not counting investment growth on money retained. In other words, moving from a moderately high-tax state to an average one can shift retirement math meaningfully.The difference between high-t ...