Core Viewpoint - State Bank of India (SBI) is reassessing its construction finance policy for residential real estate, emphasizing accountability and transparency in determining interest rates for such loans [1][3]. Group 1: Construction Finance Policy - SBI currently has a negligible presence in construction finance for housing projects but is gradually building its portfolio in commercial real estate, particularly office spaces [1]. - The bank is working on strategies for construction finance in residential real estate, acknowledging past failures in the market due to overleveraging by aggressive players [2]. - Stability in transparency, project management, and risk management is crucial for gaining lender confidence, which will lead to more affordable construction finance [3]. Group 2: Commercial Real Estate - Developers seeking construction finance for office spaces should secure at least 40-50% commitment from potential tenants [3]. - SBI's interest rates on construction finance are linked to the Marginal Cost of Funds based Lending Rate (MCLR), which is revised in accordance with term deposit rates [4]. Group 3: Recommendations for NBFCs - The chairman advises Non-Banking Financial Companies (NBFCs) in the housing finance sector to reduce operational costs to offer loans at lower rates [5].

Pichai, one of the world's highest-paid executives, has been at Google since 2004, became its CEO in 2015 and then became Alphabet's CEO in 2019. His leadership and innovation shape the global tech landscape. His strategic vision and leadership have earned him wide praises and accolades, including recognition in Time's annual list of the 100 most influential people in 2016 and 2020. In 2022, Sundar Pichai was honoured with the Padma Bhushan, the third-highest civilian award in India. His wise words and ins ...

Key Points When two married people are eligible for Social Security, it opens the door to different strategies. You could have one person file early or on time while the other delays. Having both of you delay Social Security could lead to a very large monthly payday for life. The $23,760 Social Security bonus most retirees completely overlook › It's very important for married couples to be on the same page financially. This holds true in the context of everything from buying a home to saving for ...

Core Insights - The article highlights six stocks that offer high-yielding dividends expected to grow in the coming years, amidst a low dividend yield environment in the S&P 500 at around 1.1% [1] Group 1: Clearway Energy - Clearway Energy is a major clean power producer with a diverse portfolio of renewable energy and natural gas assets, providing a 5.5% dividend yield supported by long-term fixed-rate power purchase agreements [3][4] - The company plans to distribute approximately 70% of its stable cash flow as dividends, aiming for a free cash flow growth of 5% to 8% annually, which will support future dividend increases [4] Group 2: Enterprise Products Partners - Enterprise Products Partners owns a diversified portfolio of energy midstream assets, generating stable cash flow with a current distribution yield of 6.8%, comfortably covered by 1.5 times [6][7] - The company has a strong balance sheet and has increased its distribution for 27 consecutive years, with significant capital project completions planned for the second half of the year and further expansions in 2026 [7] Group 3: Healthpeak Properties - Healthpeak Properties is a REIT focused on healthcare-related properties, offering a 7.3% monthly dividend supported by stable cash flow [8][9] - The REIT has a conservative payout ratio and is looking to generate $1 billion from potential sales to reinvest in outpatient medical development and lab properties, which should enhance future dividend growth [9] Group 4: Realty Income - Realty Income is another REIT with a diversified commercial real estate portfolio, currently yielding 5.6% and backed by stable cash flow [11][12] - The company has a strong balance sheet and plans to invest $6 billion this year, which will help in increasing its dividend, having done so 133 times since its public listing in 1994 [12] Group 5: Main Street Capital - Main Street Capital is a business development company providing capital to smaller private firms, currently offering a 5.1% monthly dividend, with a goal to steadily increase this rate [13][14] - The company has raised its monthly dividend by 4% over the past year and has a total yield of 7.6% when including supplemental quarterly dividends [14] Group 6: Verizon - Verizon generates stable cash flow from its mobile and broadband services, currently yielding 6.8% and has raised its dividend for 19 consecutive years [16][17] - The company is in the process of acquiring Frontier Communications for $20 billion, which is expected to enhance its fiber network and customer service offerings, potentially increasing profit margins [17] Conclusion - These six companies are positioned to provide stable cash flow and high-yielding dividends, making them attractive options for investors seeking income in 2026 and beyond [18]

Core Viewpoint - The individual investor adopts a contrarian investment style, focusing on deep value opportunities, particularly in stocks that have recently experienced sell-offs due to non-recurrent events, while also considering insider buying as a positive signal [1] Investment Strategy - The investment portfolio is split approximately 50%-50% between shares and call options, indicating a balanced approach to risk and potential returns [1] - The investor's timeframe for holding positions typically ranges from 3 to 24 months, suggesting a medium-term investment horizon [1] - Fundamental analysis is employed to assess the health of companies, including their leverage and financial ratios compared to sector and industry averages [1] - Technical analysis is utilized to optimize entry and exit points, with a focus on support and resistance levels on weekly charts [1] Stock Selection Criteria - The investor screens for stocks that have undergone recent sell-offs, particularly when there is insider buying at the new lower price, indicating potential recovery [1] - Professional background checks are conducted on insiders who purchase shares post-sell-off, adding an additional layer of due diligence [1]

Weekend reading: AI don’t know What caught my eye this week.How was your 2025? I mostly mean from a personal finance and investing perspective – let’s put politics aside in this season of goodwill – but also, well, what were the vibes like?For me it’s been a switchback ride. Both in my portfolio and my musings about the future of humanity / my ability to earn a crust. And for the same reason.I’m talking, of course, about AI.Weird scienceWhen I first began dropping AI links into Weekend Reading following Ch ...

Vivo X300 Pro Price and Availability The X300 series was officially launched in India on December 2, 2025 and comes in a single configuration 16 GB RAM + 512 GB storage. It is available in Elite Black and Dune Gold colour options with a retail price of Rs 1,09,999. Pre-bookings for the X300 Pro started soon after launch, and sales commenced on December 10, 2025, via official retail channels, including the Vivo India website, major e-commerce platforms, and offline partner stores.Design and In-Hand Feel If y ...

Spencer Platt / Getty Images The next break in trading comes around the Christmas holiday. The trading year is winding down, with a few holidays and shortened sessions still ahead. The next break comes around the Christmas holiday. The stock market will close at 1 p.m., and the bond market at 2 p.m. on Wednesday, Dec. 24, for Christmas Eve, and remain closed through the holiday on Dec. 25. Both markets are closed on Jan. 1, 2026, for New Year's Day. Stock traders have a full day on New Year's Eve, though ...

Taiwan Semiconductor Manufacturing is positioned to grow rapidly in 2026.Pinpointing the best-performing artificial intelligence (AI) stock for 2026 is no easy feat. It's impossible to know which companies will launch innovative features, or if 2026 will be a year of buildout. Investors only have a bit of information about what to expect in 2026, and using that tidbit to their advantage is the best that they can do.What piece of information can clue investors into 2026's future? Spending projections from th ...

Core Insights - Bloom Energy Corporation (BE) is evolving from developments related to Mars' red sands to providing energy-efficient solutions for modern data centers [1] Company Overview - Bloom Energy Corporation has made significant advancements in its technology and product offerings, showcasing an impressive evolutionary path [1] Investment Perspective - The analysis aims to identify profitable and undervalued investment opportunities primarily in the U.S. market, focusing on building a high-yield, balanced portfolio [1]