Personal finance expert Dave Ramsey says most people run into financial trouble because they fail to do basic math before making purchases and end up paying for those mistakes later. Discussing common financial mistakes on "The Ramsey Show," he said not doing basic math before major financial decisions leads to trouble regardless of age, income, race, or where you live. "We get ourselves in trouble when we don’t bother and do the math before we do the transaction," Ramsey said. "Adults devise a plan and ...

-- Quarterly Net Revenues Increase 12.3%, Driven by Growth in Motorhome and Towable RV Segments -- -- Improved Top-Line Performance and Cost Discipline Deliver Margin Gains and Strengthen Balance Sheet -- -- Barletta Continues Share Expansion in U.S. Aluminum Pontoon Segment(1) -- -- Motorized Offerings from Newmar and Grand Design Fuel Share Growth in Class A and Class C(1) -- -- Company Raises FY 2026 Earnings Guidance Range -- EDEN PRAIRIE, Minn., Dec. 19, 2025 (GLOBE NEWSWIRE) -- Winnebago Industri ...

Core Insights - Klabin Day 2025 marks the company's annual review and outlook for the upcoming cycle, featuring presentations from key executives [3] Group 1: Event Overview - The event is hosted by Patricia Pais, who welcomes both in-person and online audiences, with live translation available [1] - Safety is emphasized as a non-negotiable value, with emergency exits and support staff mentioned for attendees [2] Group 2: Presentations and Key Speakers - Cristiano Teixeira, the General Director, will discuss Klabin's unique business model [3] - Gabriela Woge, the CFO, will focus on the financial discipline practiced at Klabin [3] - The event will conclude with a Q&A session involving company executives [3]

Core Insights - The Canadian cannabis sector is experiencing renewed interest from traders and long-term investors despite unpredictable market conditions, with leading companies showing resilience and strategic progress [1][2] - The industry faces challenges such as slower domestic growth, tighter financing conditions, and heavy price competition, but operators are expanding internationally and preparing for potential U.S. policy changes [1][2] - Financial discipline is becoming a key theme, with companies reducing costs and improving margins, indicating signs of maturity in the sector [3] Industry Overview - The global cannabis landscape is evolving, with European countries expanding medical programs and Germany advancing legalization, creating export opportunities for Canadian producers [2] - U.S. federal reform remains uncertain, but companies with indirect exposure to the U.S. market could benefit from any policy changes [2] Company Highlights - **Tilray Brands, Inc.**: Continues to expand internationally while improving financial performance, reporting Q1 fiscal 2026 revenue of approximately $210 million, with positive net income and over $250 million in cash [5][8] - **Canopy Growth Corporation**: Gaining traction after restructuring, with Q2 fiscal 2026 revenue growth driven by Canadian adult-use sales and improved medical demand, alongside a significant reduction in net loss [9][10][11] - **Village Farms International, Inc.**: Transitioned to cannabis cultivation with strong financial performance, reporting double-digit revenue growth and positive net income for multiple quarters, supported by efficient operations and rising international demand [12][14] Financial Performance - Tilray's revenue growth is attributed to stronger Canadian sales and rising international demand, with improved margins and better cost control [8] - Canopy's revenue growth is driven by better brand strength and retail penetration in Canada, with improved gross margins and liquidity [10][11] - Village Farms has shown strong financial performance with high gross margins and positive net income, benefiting from disciplined cost controls and scalable growing capacity [14] Strategic Positioning - Companies are building stronger platforms and expanding their international footprints, positioning themselves for potential U.S. policy shifts [1][2] - Tilray's diverse product portfolio and strong distribution network in Canada and Europe position it well for future growth [5] - Canopy's integrated platform in the U.S. through partnerships provides a strong multi-state reach despite not holding direct cannabis licenses [9][11] - Village Farms' international presence and potential for THC production in the U.S. could enhance its growth prospects [12][14]

Core Points - Data Storage Corporation (Nasdaq: DTST) has rescheduled its 2025 third quarter business update conference call to November 19, 2025, at 10:00 a.m. Eastern Time [1] - The conference call will be accessible via telephone and webcast, with specific dialing instructions provided for both U.S. and international callers [2] - A replay of the conference call will be available on the company's website until May 19, 2026, and a telephone replay will be accessible until November 26, 2025 [3] Company Overview - Data Storage Corporation plans to invest in various sectors, including GPU Infrastructure-as-a-Service (IaaS), AI-driven software applications, cybersecurity, and voice/data telecommunications [4] - The company's mission focuses on building sustainable, recurring revenue streams while maintaining financial discipline and strategic focus [4]

Group 1 - The appointment of CFOs to additional roles, such as president, is becoming a common trend among companies, indicating a shift in responsibilities beyond traditional finance [3][4] - In 2024, companies like UnitedHealth and Hilton Grand Vacations appointed their CFOs to the role of president, reflecting this trend [4] - The move of a CFO into an operations role often signals cost-cutting measures and a focus on financial discipline, as seen in Papa John's plans to close up to 70 North American locations in 2025 due to declining same-store sales [5] Group 2 - Papa John's appointed its CFO Ravi Thanawala to the dual role of president for North America, effective immediately, while also promoting Chris Lyn-Sue to take over international responsibilities [6] - Thanawala's base salary was increased to $700,000 from $675,000, and his annual target bonus opportunity was raised to 100% of his base salary from 75% [6]

Core Insights - Petrobras is evaluating a reduction in capital expenditures (capex) for the 2026-2030 period to $106 billion, reflecting a cautious outlook amid volatile oil prices [1][2] - The proposed capex represents a 4.5% decrease from the previous allocation of $111 billion for 2025-2029, indicating a shift in financial strategy due to expectations of continued weakness in crude oil prices [2][3] - The company is recalibrating its oil price assumptions, considering a range of $60-$65 per barrel for the upcoming period, down from an initial assumption of $83 per barrel [3] Capital Spending Strategy - Petrobras' capital spending decisions are influenced by Brazil's political landscape, especially with upcoming presidential elections, which may increase pressure to enhance investments in infrastructure projects [4][5] - The company remains committed to focusing on the strategic development of exploration and production assets, particularly in the pre-salt fields off Brazil's coast [6][10] - Most of the proposed capex, approximately $91 billion, is earmarked for already approved projects, with $15 billion allocated for early-stage assets and exploration [12] Financial Management and Dividends - The reduction in capex may impact Petrobras' ability to pay dividends, but the company aims to balance financial health with shareholder expectations [7][8] - Petrobras has stated it will not raise its debt ceiling, currently set at $75 billion, reflecting a commitment to maintaining a stable financial structure while investing in critical energy infrastructure [13][14] - The cautious approach to capex and dividend policy positions Petrobras as a more resilient entity amid market volatility [8][14] Future Outlook - As Petrobras moves forward with its revised capital expenditure plans, it must remain agile in response to changing market dynamics, political pressures, and shareholder demands [15][16] - The company's strategic decisions will significantly impact both the Brazilian economy and global energy markets in the coming years [17]

[Music] So I want to share with you some of the things that I did that moved our business to where it is today. And one of which I want to start with is giving back to your business all I mean 100% of what the same business has given to you. It's a very hard task but a sacrifice that you must be willing to make.How do I mean. Sometime in 2012 I went to China my first trip for importation to get some goods down to this country Nigeria and that the limited fund that I had could not afford me up to 25% of a 20 ...

Core Viewpoint - The 0.01% rule suggests that purchases costing less than 0.01% of one's total net worth can be made without guilt, but experts warn it may undermine long-term financial goals [1][3][7] Group 1: Spending Rule Analysis - The 0.01% rule allows individuals with a net worth of $500,000 to make purchases under $50 without hesitation [1] - Erica Grundza, a certified financial planner, argues that this rule encourages casual spending over disciplined budgeting, which is essential for long-term financial health [3][4] - The rule is seen as a justification for impulsive spending, potentially eroding the financial discipline necessary for success [6][7] Group 2: Long-Term Financial Goals - Consistent and intentional saving is crucial for achieving key financial goals such as down payments, education funding, and retirement preparation [5] - Small, frequent purchases can accumulate and significantly delay or derail major financial objectives [5] - Oversimplified financial rules like the 0.01% rule can have harmful long-term consequences if individuals are not aware of their current financial situation [7]

Core Insights - The article highlights the importance of early savings and financial discipline, showcasing a Redditor who built a multi-million-dollar net worth despite a modest income [2][4][5] Financial Discipline and Wealth Accumulation - The Redditor has maintained an income between $60,000 and $80,000 for 18 years, which is below the average in their area, yet they have achieved a net worth of $2.4 million [3][4] - Key components of their wealth include $880,000 in ETFs, $470,000 in a Roth IRA, $540,000 in a Traditional IRA, $120,000 in cash, and $450,000 in home equity [4] Lifestyle Choices and Savings - The individual lives below their means, with minimal expenses due to a lack of dependents and expensive hobbies, allowing them to save $35,000 on a $60,000 income in one year [6] - Their financial habits were influenced by a frugal upbringing, which instilled the discipline necessary for long-term savings [8] Work-Life Balance - The Redditor enjoys a relaxed work environment aligned with a BaristaFIRE lifestyle, avoiding the pressures associated with higher-paying jobs while still saving for retirement [7]