Taxpayers can expect bigger-than-usual refunds when they file their 2025 tax returns this year, largely because of provisions in the One Big Beautiful Bill Act (OBBBA). Here’s a look at the the seven major tax cuts that took effect in 2025 under the OBBBA and that could boost your tax refund this year, according to the Tax Foundation: Maximum child tax credit increase of $200. Standard deduction increase of $750 for single filers and $1,500 for joint filers. State and local tax (SALT) deduction ca ...

Costs and expenses (excluding depreciation and amortization, pass-through costs, and net of the company’s proportional share of LM4 earnings) decreased by about $7 million, driven by lower allocations under omnibus and employee secondment agreements and lower seasonal maintenance activity, partially offset by higher processing fees. Chadwick said the company’s gross adjusted EBITDA margin in the fourth quarter held at approximately 83%, above its 75% target, reflecting “continued strong operating leverage.” ...

January 2026 DIVERSIFIED OIL & GAS PRODUCER FOCUSED ON LONG TERM VALUE CREATION www.grantierra.com GENERAL ADVISORY The information contained in this presentation does not purport to be all-inclusive or contain all information that readers may require. You are encouraged to conduct your own analysis and review of Gran Tierra Energy Inc. ("Gran Tierra", "GTE", or the "Company") and of the information contained in this presentation. Without limitation, you should read the entire record of publicly filed docum ...

Core Insights - Missing child support payments, unpaid taxes, or government debt can lead to reductions in Social Security benefits [1][7] - Wage garnishment can occur for unpaid taxes, fines, or loan defaults, affecting Social Security payments [1][4] Group 1: Garnishment Conditions - Social Security benefits can be garnished for federal debts, including unpaid taxes and child support, with the IRS able to withhold up to 15% of monthly payments [4][8] - The Department of Education has paused garnishments for unpaid student loans, which typically would allow up to 15% withholding [4] Group 2: Impact on Beneficiaries - Most Social Security beneficiaries rely on fixed incomes, making any interruption in payments significantly impactful [3] - Benefits can be withheld until debts are settled, but there are options to delay or reduce garnishments [5][7] Group 3: Actions for Beneficiaries - Beneficiaries with IRS debts can pay in full, set up payment plans, or request a temporary delay in collections [6] - Options exist for beneficiaries to manage garnishments related to child support or other debts [5][8]

Core Viewpoint - The company has successfully completed the sale of a 60% stake in its Topgolf and Toptracer businesses for approximately $1.1 billion, which will enhance its financial position and allow for strategic initiatives such as debt repayment and stock repurchase [1][5]. Group 1: Financial Transactions - The company received approximately $800 million in cash proceeds from the sale, net of working capital adjustments and transaction expenses [1]. - Following the sale, the company repaid $1 billion of outstanding borrowings under its term loan B facility [2]. - After the repayment, the company has approximately $480 million in outstanding debt and $680 million in unrestricted cash and cash equivalents [3]. Group 2: Stock Repurchase Program - The company's Board of Directors has authorized a new stock repurchase program of up to $200 million, which will be executed based on market conditions and other factors [4]. - The repurchase program replaces any unused portion of the prior stock repurchase program and does not require the company to acquire a specific number of shares [4]. Group 3: Corporate Changes - The company plans to change its corporate name back to "Callaway Golf Company" and will change its ticker symbol to "CALY" effective on or about January 16, 2026 [5].

Group 1 - Longfor Group successfully completed the principal repayment and interest payment of "21 Longfor 02" amounting to approximately 1.038 billion yuan, with a face value of 1 billion yuan and a coupon rate of 4.4% [1] - The company has repaid a syndicated loan of 9.227 billion HKD (approximately 8.5 billion yuan) ahead of schedule, indicating a proactive approach to debt management [1] - After the repayment of "21 Longfor 02," the remaining domestic credit bond balance is approximately 3.4 billion yuan, with a diversified repayment schedule [1] Group 2 - Since 2023, Longfor Group has focused on driving business growth through positive operating cash flow, achieving positive cash flow including capital expenditures for three consecutive years [2] - The company has reduced interest-bearing liabilities by over 40 billion yuan over three years, with plans to further decrease liabilities by approximately 10 billion yuan annually starting in 2026 [2] - Longfor Group's ability to navigate the debt cycle positively impacts the industry, demonstrating that traditional real estate companies can address historical issues and explore new business models [2]

Core Insights - The article emphasizes the importance of structured financial systems over mere motivation in achieving financial goals [2][3] Group 1: Savings Strategy - Setting a specific savings target and ensuring funds are in the right account is crucial for effective savings [4] - Consumers should prioritize their savings strategy by determining how much they can realistically save after essential expenses and checking the yield on their savings accounts [5] - Traditional bank savings accounts often yield low returns (average of 0.40%), while high-yield savings accounts, like Vanguard's Cash Plus Account at 3.50%, can significantly increase earnings [6] Group 2: Debt Management - After establishing a savings system, addressing high-interest debt is the next critical step [7] - A recommended approach is to rank debts to determine the order in which they should be paid off, focusing on high-interest balances first [7]

Core Insights - Neiman Marcus has sold the land beneath its Beverly Hills flagship store to Ashkenazy Acquisition Corp to address debt obligations while continuing to operate as a tenant [1][2][5] - The sale is part of a broader strategy by Saks Global to raise cash, which may include offloading additional stores or seeking emergency financing [5][6] - The Beverly Hills retail property market remains strong, with high demand for luxury retail space and limited availability [7][8] Company Actions - Saks Global made a strategic decision to sell the property and enter a long-term lease, ensuring continued operations at the location [2][4] - The company is facing a $100 million debt payment deadline and is considering Chapter 11 bankruptcy as a last resort [6] Market Conditions - The Beverly Hills retail market is described as one of the most robust in the country, with virtually no available space on Rodeo Drive and increasing demand on nearby streets [7][8] - Luxury brands are increasingly purchasing their retail spaces rather than renting, indicating a shift in market dynamics [8]

Financial Situation - Justin has an income of approximately $107,000, projected to rise to around $135,000 after military deployment [2] - He is debt-free and has $21,000 in cash, $60,000 in retirement savings, and an investment portfolio valued at about $110,000 [4] Debt Concerns - Justin's partner has $350,000 in student loan debt, creating a significant financial gap between them [1] - Personal finance expert Dave Ramsey warns that misalignment on debt management can lead to serious relationship issues, citing money problems as a leading cause of divorce in North America [5] Financial Strategies - Ramsey outlines two potential paths for the couple: one where both partners aggressively tackle the debt together, which could lead to resolution in a few years if they are fully committed [6]

Core Insights - Many individuals are facing challenges with credit card debt and strained bank accounts, highlighting a need for financial confidence and control [1] Group 1: Credit Management - A significant 44% of consumers have found errors on their credit reports, which can negatively impact their credit scores, emphasizing the importance of regularly checking credit reports for inaccuracies [2] - Disputing errors found on credit reports can be done through credit bureaus, as advised by the Consumer Financial Protection Bureau [2] Group 2: Savings Strategies - Setting up automatic transfers from checking to savings accounts can help individuals save consistently, with recommendations to reassess and potentially increase savings annually [3][4] - Employers may offer options to split paychecks between checking and savings accounts, providing an additional method for automatic savings [4] Group 3: Debt Reduction - Paying off small debts is considered a significant financial achievement, with suggestions to identify the smallest debt and allocate budget funds to eliminate it quickly [5] - Individuals are encouraged to find ways to cut back on expenses, such as opting for low-cost activities or selling unneeded items to generate funds for debt repayment [6] Group 4: Subscription Management - Conducting an audit of current subscriptions can reveal unnecessary expenses, allowing individuals to cancel those that are no longer needed [7] - Funds saved from canceled subscriptions can be redirected towards debt repayment or savings, enhancing overall financial health [8]