Dave Ramsey explained why teachers become millionaires so often. Here's what we can learn from them
Yahoo Finance· 2025-10-26 09:05
With MyBankTracker, you can shop and compare top certificates of deposit rates from various banks nationwide.One way to invest your money for growth over a period of time is through certificate of deposits (CD) – which offer competitive interest rates for fixed terms. But if you withdraw the money before the end of the term, you could face a penalty fee.What they all have in common is the steadfastness to invest in the long term and stick with it. They’re also methodical shoppers: 85% of respondents use a g ...
Meet the "Infinite Money Glitch" That Could Send Tesla Stock Soaring, According to Elon Musk
The Motley Fool· 2025-10-26 09:05
Core Insights - Tesla's CEO Elon Musk claims that the Optimus robot could revolutionize productivity for businesses, referring to it as an "infinite money glitch" due to its potential efficiency [2] - Despite the excitement surrounding Optimus, Tesla's electric vehicle (EV) sales have been sluggish, with a 13% year-over-year decline in the first half of 2025 [9][10] - The company is facing increasing competition in the EV market, particularly from cheaper brands like BYD, leading to a loss of market share [11] Tesla's Future Product Platforms - The Optimus robot is seen as Tesla's most complex manufacturing challenge, requiring in-house production of components due to the lack of an existing supply chain [5] - Musk predicts that humanoid robots could outnumber humans by 2040, with Optimus potentially being five times more productive than a human worker [6] - Long-term revenue from Optimus sales could reach $10 trillion, with plans to scale production from 1 million units annually to as many as 100 million units in the future [7] Current Business Performance - Over 75% of Tesla's revenue still comes from EV sales, which have seen a decline, delivering 720,803 cars in the first half of 2025 [9] - Although there was a 7% increase in deliveries in the recent third quarter, this may have been influenced by consumers purchasing vehicles ahead of the expiration of a tax credit [10] - Tesla's recent launch of a low-cost Model Y aims to revive its passenger EV business, although Musk has previously resisted this strategy in favor of focusing on the Cybercab autonomous robotaxi [13] Competitive Landscape - Tesla's market share in China has decreased from 11.7% to 7.5% in the first half of 2025, highlighting the competitive pressures from other EV manufacturers [11] - The company is testing a ride-hailing service using its EVs with full self-driving software, but current operations require a human supervisor, adding costs [14] Valuation Considerations - Tesla's market capitalization is currently $1.3 trillion, with a price-to-earnings (P/E) ratio of 254, making it significantly more expensive than the Nasdaq-100 index and Nvidia [15][16] - Given the current state of the EV business and the timeline for Optimus production, there are questions about the wisdom of investing at such a high valuation [18]
Meet all 37 White House ballroom donors funding the $300 million build
Fortune· 2025-10-26 09:03
Core Points - The Trump administration's new ballroom construction project has an estimated cost of over $300 million, significantly higher than the initial estimate of $200 million [1] - A list of 37 donors, including major tech companies and administration members, will fund the project through private, tax-deductible donations to the nonprofit Trust for the National Mall [2][3] Corporate Donors - Meta Platforms has pledged at least $600 billion in investments in the U.S. by 2028 and frequently engages with federal digital policy initiatives [4] - Apple plans to invest $100 billion in domestic manufacturing, aligning with the administration's goals [5] - Amazon has major federal contracts and has developed a relationship with the administration through lobbying efforts [6] - Google agreed to pay $24.5 million to settle a dispute with Trump and pledged $22 million of that settlement toward the ballroom construction [7] - Lockheed Martin, a major defense contractor, is reportedly contributing over $10 million to the project [8] - Microsoft has multibillion-dollar federal contracts, including partnerships related to U.S. cybersecurity [9] - Comcast faces scrutiny from Trump but remains a donor [10] - Altria, a major tobacco firm, has pushed for less FDA oversight and is involved in Republican PAC donations [11] - Coinbase supports Trump's push for looser crypto regulations [12] - Palantir Technologies has seen a surge in federal contracts under the Trump administration [13] - T-Mobile's merger agreements were favorably reviewed during Trump's term [14] - Ripple supports Trump's digital asset finance initiatives [15] - Hard Rock International's chairman has ties to the Trump Organization [16] - Tether America backs Trump's digital dollar framework [17] - Union Pacific Railroad is seeking a merger under a Republican-led SEC [18] - Micron Technology announced a $200 billion investment in the U.S. [19] - Caterpillar is viewed as a symbol of the "Made in America" initiative [20] - Booz Allen Hamilton reported that 90% of its recent bookings came from national security work [21] - HP has received military contracts and contributed to Trump's inaugural committee [22] - NextEra Energy's CEO supports job creation in America while criticizing some administration policies [24] - Reynolds American's PAC has previously donated to Trump [25] Private and Family Donors - The Adelson Family Foundation is run by Miriam Adelson, a significant GOP donor [26] - Stefan E. Brodie has a controversial past and was denied a pardon request [27] - The Betty Wold Johnson Foundation is known for its charitable contributions [28] - Charles and Marissa Cascarilla advocate for financial technology deregulation [29] - The Glazer siblings are recurring donors to Trump PACs [30] - Harold Hamm has advised Trump on energy issues [31] - Benjamín Leon Jr. has donated over $3 million to Trump's campaign and is awaiting Senate confirmation for an ambassador position [32] - The Lutnick Family supports Trump's economic agenda [33] - The Laura and Isaac Perlmutter Foundation consistently donates to Republican causes [34] - Stephen A. Schwarzman has acted as an intermediary between Trump and China [35] - Konstantin Sokolov is involved in infrastructure and energy investments [36] - Kelly Loeffler and Jeff Sprecher donated $5 million to Trump's 2024 election efforts [38] - Paolo Tiramani is active in real estate innovation [39] - Cameron and Tyler Winklevoss are consistent GOP donors advocating for clear crypto laws [40][41] - J. Pepe and Emilia Fanjul are part of a prominent sugar family and hosted a Trump fundraiser [42]
XLU: Cut Your Utility Investments
Seeking Alpha· 2025-10-26 09:03
Group 1 - Alan Brochstein is a pioneer in the cannabis investment sector, having focused exclusively on this industry since 2007 [1] - He founded AB Analytical Services to provide independent consulting to registered investment advisors [1] - Brochstein is the managing partner of New Cannabis Ventures, which has been a key provider of financial information in the cannabis industry since 2015 [1] Group 2 - Alan has led the investing group 420 Investor since 2013, which focuses on publicly-traded cannabis stocks [2] - The group moved to Seeking Alpha in 2023 and closely monitors 20 cannabis stocks, providing timely investment news and earnings report previews [2] - Features of the 420 Investor group include a model portfolio, 10 weekly videos with chart analysis, 3 weekly summary pieces, a monthly newsletter, and a chat for investor questions [2]
FMCG firms face disruption in Sep qtr, upbeat about future growth on favourable economic conditions
BusinessLine· 2025-10-26 08:57
FMCG companies selling soap to soft drinks in the Indian market reported some impact on their sales in the September quarter from disruption owing to GST reforms, along with unusually heavy rains in parts of the country, but they see growth in the coming quarters, helped by favourable macro-economic conditions. Leading global markers, including Unilever, Reckitt, Heineken, PepsiCo, and Coca-Cola, in their respective earnings calls, have mentioned challenges they faced due to disruptions in trade channels in ...
Netflix Stock Took a Nosedive Last Week. A Buy on the Dip, or a Sign to Shut Off the Screen?
The Motley Fool· 2025-10-26 08:50
Core Viewpoint - Investors may be underestimating Netflix's strengths despite recent stock declines following Q3 2025 financial results, which showed a significant drop in operating margin and concerns over growth deceleration [1][2][3] Financial Performance - Netflix reported a Q3 operating margin of 28%, below the expected 31.5%, leading to a stock price drop of approximately 10% [2] - Revenue growth for Q3 was 17.2%, slightly exceeding expectations, but management forecasts a slowdown to 16.7% for Q4, raising concerns about potential peak growth [3] Growth Opportunities - Netflix's recent challenges are attributed to a one-time expense of over $600 million related to a tax dispute in Brazil, which is not expected to recur [6] - The company is exploring new revenue streams, including merchandise licensing for its animated film "KPop Demon Hunters" with companies like Mattel and Hasbro, similar to strategies employed by Disney [9] - The advertising segment is seen as a significant growth driver, with Netflix on track to double its advertising revenue in 2025 compared to 2024, currently in the "walk" phase of its rollout strategy [10][11] Valuation and Investment Considerations - Despite strong free cash flow generation, Netflix's stock trades at 57 times its free cash flow, indicating potential valuation risk [14] - There are execution risks associated with new growth areas like merchandise and advertising, which could impact future performance and exacerbate valuation concerns [16] - The overall outlook suggests that while Netflix may continue to find growth, its current valuation could align future stock performance more closely with market averages, making it less attractive as a buy at present [17][18]
Warren Buffett Thinks Investors Are "Playing With Fire" With a Sky-High Market Valuation. But He Can't Stop Buying These 3 Stocks.
The Motley Fool· 2025-10-26 08:44
Core Insights - Berkshire Hathaway continues to invest in the stock market despite high valuations, with a focus on specific companies [3][5][10] Group 1: Berkshire Hathaway's Investment Strategy - Warren Buffett's investment philosophy warns against high market valuations, as indicated by the Buffett indicator, which is currently at an all-time high of 219% [2] - Despite market concerns, Berkshire Hathaway has initiated and increased positions in three key stocks: Constellation Brands, Lennar, and Pool Corp [3][5][10] Group 2: Constellation Brands - Berkshire Hathaway has a 7.7% stake in Constellation Brands, valued at approximately $1.9 billion, with purchases made in Q4 2024 and Q1-Q2 2025 [5][8] - The company is recognized for its strong market position, particularly with its premium beer brands like Corona and Modelo [6] - Constellation Brands has demonstrated reliable free cash flow, generating $1.1 billion in the first half of fiscal year 2026, which supports its dividend program and stock buybacks [9] Group 3: Lennar - Berkshire owns both class A and class B shares of Lennar, a major U.S. homebuilder, with purchases made in early 2025 [10][12] - The ongoing housing shortage in the U.S. is expected to benefit Lennar's long-term growth prospects [12] - The stock trades at under 14 times forward earnings estimates, which may be viewed as attractive by Buffett [13] Group 4: Pool Corp - Berkshire initiated a position in Pool Corp, holding a 9.3% stake worth over $1 billion, with consistent purchases since Q3 2024 [14] - Pool Corp's shares trade at 26.6 times earnings estimates, which is considered a premium price [15] - The company has a strong market position and generates predictable cash flow, with over 60% of revenue coming from repairs and maintenance [16]
2 Brilliant Medical Device Stocks to Buy Now and Hold for the Long Term
The Motley Fool· 2025-10-26 08:39
Core Insights - Intuitive Surgical and Medtronic are both involved in the surgical robotics market but cater to different investor preferences, with Intuitive Surgical focusing on growth and Medtronic appealing to income investors [1] Group 1: Intuitive Surgical - Intuitive Surgical is a leader in surgical robotics, with 10,763 da Vinci systems in use as of Q3 2025, representing a 13% year-over-year increase, and a 19% rise in procedures performed [2] - The Ion endoluminal system, a newer product, has shown rapid growth with a 30% increase in systems installed and a 52% increase in procedures performed, albeit from a smaller base of 954 systems [4] - Approximately 75% of Intuitive Surgical's revenue comes from the sale of instruments, accessories, and services, creating a recurring income stream that grows with each surgical system sold [5] - The stock has a high price-to-earnings ratio of over 60x and has experienced significant volatility, with price drops of 20% or more occurring three times since 2020 [7] - Recent positive earnings have renewed interest in Intuitive Surgical's shares, making it an attractive option for growth investors willing to accept volatility [11] Group 2: Medtronic - Medtronic offers a more stable investment option with a 3% dividend yield and is nearing its status as a Dividend King, having increased dividends for 48 consecutive years [8][9] - The company has a diversified product portfolio that includes cardiovascular, neuroscience, and diabetes products, although it is in the process of spinning off its diabetes division to focus on core opportunities [9][10] - Medtronic's market cap is $120 billion, with a current price of $93.67 and a gross margin of 59.81%, making it a more conservative choice for income-focused investors [10]
SBI to hire 3,500 officers in next 5 months to drive business growth
The Economic Times· 2025-10-26 08:35
Recruitment Plans - The State Bank of India (SBI) plans to hire approximately 3,500 officers to enhance operations and service delivery nationwide [10] - In June, SBI recruited 505 Probationary Officers (POs) and is in the process of filling a similar number of vacancies [10] - An advertisement for 541 PO vacancies has been released, and applications have already been received [2][10] - SBI aims to recruit around 18,000 employees across various categories this year, with 13,500 positions designated for clerical roles [5] Gender Diversity Initiatives - SBI has set a goal to increase its women workforce to 30% within five years [6][7] - Currently, women make up approximately 27% of the total workforce, with 33% representation among frontline staff [6][7] - The bank is implementing measures to bridge the gender gap and create a supportive workplace for women [7] Women-Centric Programs - SBI offers various programs to support women employees, including creche allowances for working mothers and training for those returning from maternity or extended leave [8][11] - The 'Empower Her' initiative aims to mentor and groom women for leadership roles through structured labs and coaching sessions [9][11]
The Republic of Korea Selects L3Harris Technologies, Inc. (LHX) for Airborne Early Warning and Control Aircraft Program
Insider Monkey· 2025-10-26 08:29
Core Insights - Artificial intelligence (AI) is identified as the greatest investment opportunity of the current era, with a strong emphasis on the urgent need for energy to support its growth [1][2][3] Investment Opportunity - A specific company is highlighted as a potential investment opportunity, possessing critical energy infrastructure assets that are essential for meeting the increasing energy demands of AI data centers [3][6][7] - This company is not a chipmaker or cloud platform but is positioned to benefit significantly from the anticipated surge in electricity demand driven by AI technologies [3][6] Energy Demand and Infrastructure - AI technologies, particularly large language models like ChatGPT, are consuming energy at unprecedented rates, comparable to the energy needs of small cities [2][3] - The company in focus is involved in the nuclear energy sector, which is crucial for America's future power strategy, and is capable of executing large-scale engineering projects across various energy sectors [7][8] Financial Position - The company is noted for being completely debt-free and holding a substantial cash reserve, amounting to nearly one-third of its market capitalization, which positions it favorably compared to other energy firms burdened with debt [8][10] - It is trading at a low valuation of less than 7 times earnings, making it an attractive option for investors seeking exposure to both AI and energy sectors [10][12] Market Trends - The current market environment is characterized by a surge in U.S. LNG exports and a focus on onshoring due to tariffs, which the company is well-positioned to capitalize on [5][7][14] - The influx of talent into the AI sector is expected to drive continuous innovation and advancements, further solidifying the importance of investing in AI-related infrastructure [12][14] Conclusion - The company represents a unique investment opportunity at the intersection of AI and energy, with the potential for significant returns as the demand for energy infrastructure grows in response to AI advancements [3][11][15]