Carnival share price has pulled back in the past few weeks, moving from the year-to-date high of 2,205p in August to 1,924p today. It is hovering near its lowest level since July despite the ongoing d... ...

Core Insights - The article discusses three ETFs that can help create a balanced passive income portfolio, focusing on two dividend ETFs and one bond ETF [1][2]. Equity ETFs - Schwab U.S. Dividend Equity ETF (SCHD) tracks the Dow Jones U.S. Dividend 100 Index, selecting companies that have increased dividends for at least 10 years, excluding REITs [3][4]. - The ETF's composite score considers metrics like cash flow to total debt, return on equity, dividend yield, and five-year dividend growth rate, aiming to identify strong businesses with attractive yields [4]. - The trailing dividend yield for Schwab U.S. Dividend Equity ETF is 3.8%, with a low expense ratio of 0.06% [5]. - Vanguard Dividend Appreciation ETF (VIG) tracks the S&P U.S. Dividend Growers Index, focusing on U.S. stocks that have increased dividends for at least 10 years, excluding the highest-yielding 25% [6][7]. - The expense ratio for Vanguard Dividend Appreciation ETF is 0.05%, with a modest yield of 1.6%, but it has shown strong total returns over time [7]. Bond ETF - Vanguard Intermediate-Term Bond ETF (BIV) provides stability to a portfolio by investing in high-quality bonds with maturities between five and ten years, tracking the Bloomberg U.S. 5–10 Year Government/Credit Float Adjusted Index [8][9]. - The expense ratio for Vanguard Intermediate-Term Bond ETF is very low at 0.03%, with a yield around 3.9%, offering a balance between risk and reward [9][10]. Portfolio Strategy - Combining Schwab U.S. Dividend Equity ETF, Vanguard Dividend Appreciation ETF, and Vanguard Intermediate-Term Bond ETF can enhance income, capital appreciation, and diversification, allowing investors to tailor their risk and yield preferences [12].

Core Viewpoint - Retail investors have targeted Opendoor Technologies as a new meme stock, despite the company's struggles in a challenging housing market due to elevated interest rates [1][2]. Company Overview - Opendoor Technologies operates one of the largest real estate direct buying operations in the U.S., purchasing homes from sellers and attempting to flip them for profit [1]. - The company's business model simplifies the home selling process by offering cash purchases with predictable settlement periods, eliminating the need for traditional real estate marketing [4]. Market Conditions - The housing market has faced difficulties, with a record high of 500,000 more sellers than buyers, impacting Opendoor's ability to profit from its inventory [6]. - The company experienced a significant revenue increase of 5% year-over-year in Q2 2025, generating $1.6 billion, but adopted a cautious approach by purchasing fewer homes [7]. Financial Performance - Wall Street forecasts a sharp decline in Opendoor's Q3 revenue, estimating it at $882 million, a 36% decrease year-over-year [8]. - The company reported a net loss of $114 million in the first half of 2025, following a $392 million loss in 2024, indicating challenges in achieving profitability [9]. Future Outlook - Opendoor had $789 million in cash as of June 30, providing a runway for operations unless losses increase significantly [10]. - The Federal Reserve's interest rate cuts may eventually benefit the housing market, but the viability of Opendoor's direct buying model remains in question due to past failures of similar companies [11][12]. Investment Considerations - The speculative rally in Opendoor's stock may not address the underlying issues of the business model, which has previously led to significant losses for other companies in the industry [14].

Group 1: Market Overview - European futures are pointing higher as fears of bad loans in the US easing, indicating a potential stabilization in credit risks [2][4] - US markets saw a rebound on Friday, with the NASDAQ gaining approximately 0.5%, and both the S&P and Dow also showing similar gains after a selloff led by regional banks [5][11] - Asian markets experienced strong gains, particularly in Japan, where the Nikkei 225 rose over 3% amid political optimism [7][8] Group 2: Company Developments - Kering has agreed to a €4 billion deal with L'Oreal, selling its beauty business, including the perfume line Creed, as part of a strategic refocus under new CEO Luca Deo [3][38] - The deal allows L'Oreal to expand its luxury brand portfolio, acquiring licenses for Gucci, Balenciaga, and others, while Kering aims to reduce its debt, which stood at €9.5 billion at the end of June [43][41] - Analysts view this move positively, suggesting it reflects Kering's strategic shift towards its core fashion business and reduces capital intensity by licensing rather than developing beauty products independently [48][49] Group 3: Economic and Regulatory Context - UK Chancellor Rachel Reeves emphasized the need for fiscal consolidation in response to global economic challenges, with a budget set to address these issues in November [26][28] - S&P Global downgraded France's credit rating to A+ from AA-, citing policy uncertainty and unresolved government finances as key concerns [50][52] - The French government faces long-term fiscal challenges, with projections indicating a potential debt level of 121% by 2028 if no corrective measures are taken [55][56]

Tuesday, 4 November 2025 at 11:00 - 12:00am CETIn connection with the publication of Coloplast’s interim financial results for FY 2024/25, to be released same day around 07.00am CET, Coloplast will host a conference call to present the financial results and answer questions from investors and financial analysts. A presentation will be available on Coloplast’s website approximately 1 hour before the conference call.The webcast of the conference call will be available during and after the event. Coloplast wil ...

Seventy percent of consumers say instant access to funds is now an expectation, not a perk.Watch more: The Right Time for Real-Time Account Funding Is NowBy completing this form, you agree to receive marketing communications from PYMNTS and to the sharing of your information with our sponsor, if applicable, in accordance with our Privacy Policy and Terms and Conditions .Complete the form to unlock this article and enjoy unlimited free access to all PYMNTS content — no additional logins required.Real-time ac ...

The department is drafting BNPL rules emphasizing disclosure, credit reporting, and harmonization with other regulators while ensuring appropriate guardrails.Harris cites the DFS’s growth from a few to 60 virtual currency team members and says its stablecoin framework shaped the federal GENIUS Act.Adrienne Harris says New York has proved regulators can “protect consumers and markets and be good for business at the same time,” and that her successor will build on that foundation.Watch more: Monday Conversati ...

Netflix is set to release its quarterly earnings on October 21, 2025, with an estimated EPS of $6.89 and projected revenue of $11.51 billion.The company is trading just 10% below its 52-week and all-time high, with gains of over 30% this year.Netflix is expanding into live sports, advertising, and the gaming market, aiming to maintain its competitive edge in the streaming industry.Netflix (NASDAQ:NFLX) is a leading streaming service provider, known for its vast library of movies, TV shows, and original cont ...

Company announcement no. 47 2025Danske BankBernstorffsgade 40DK-1577 København VTel. + 45 33 44 00 0020 October 2025Page 1 of 1Danske Bank share buy-back programme: transactions in week 42On 7 February 2025, Danske Bank A/S announced a share buy-back programme for a total of DKK 5 billion, with a maximum of 45,000,000 shares, in the period from 10 February 2025 to 30 January 2026, at the latest, as described in company announcement no. 6 2025. The Programme is carried out in accordance with Article 5 of ...

Core Insights - The earnings season has commenced, with major banks and American Express reporting strong consumer spending and credit metrics despite ongoing tariffs and inflation [1] Banking Sector - Bank stocks increased by 2.3% over the week, with J.P. Morgan reporting Q3 2025 earnings that highlighted consumer strength, showing debit and card volumes up approximately 9% year over year [6] - J.P. Morgan's net charge-offs reached $2.6 billion, with an additional $810 million in reserve builds, indicating conservative provisioning [7] - Goldman Sachs reported net revenue of $15.18 billion for Q3 2025, with CEO David Solomon emphasizing AI as a core component of the firm's strategy [8] - Citigroup's revenue was $22.1 billion, reflecting a year-over-year increase of about 9%, driven by investments in new products and digital assets [9] Payments Sector - American Express noted that Gen Z and millennials account for 36% of total card spending, with retail spending up 12% and restaurant spending increasing by 9% [10][11] - Mastercard introduced the Payment Optimization Platform (POP) to enhance approval rates for merchants, showing early tests indicating a 9% to 15% increase in conversions [12] FinTech Developments - Affirm is expanding its buy now, pay later network through partnerships with Fanatics and FreshBooks, while launching a "0% Days" campaign for interest-free holiday financing [13] - Klarna is expanding its partnership with Google to support the new Agent Payments Protocol (AP2), reflecting efforts towards intelligent commerce and automation [14]