Chevron Corporation (NYSE:CVX) maintains a consistent dividend payout for 37 years, showcasing financial resilience.Despite a significant drop in oil prices, Chevron's dividend yield stands strong at 4.1%, with strategic plans to increase Venezuelan crude oil exports to the U.S.Investor confidence is highlighted by major money managers like BlackRock and Vanguard increasing their holdings, alongside Chevron's solid financial metrics including a P/E ratio of 23.95 and a debt-to-equity ratio of 0.22.Chevron C ...

“Upper middle class” is a phrase we hear a lot, but what does it really mean — especially once you hit 55? While it might conjure images of fancy vacations or a big house, there’s actually a more concrete way to define it: Your net worth. “I spend a great deal of time analyzing how net worth benchmarks evolve and what it realistically takes to meet them,” said Dennis Shirshikov, professor of finance at City University of New York and head of growth and engineering at GrowthLimit. By 55, he said the def ...

Core Insights - Strategic risk management is increasingly defined by convergence, as CFOs face a complex risk landscape in 2026 [1] - CFOs must track interrelated risk factors such as economic uncertainty, cybersecurity threats, and labor market instability, which often interact with one another [2] - The nature of volatility has shifted to being more structural rather than cyclical, necessitating resilience in financial strategies [3] Risk Management Strategies - Building a resilient financial roadmap is crucial in an environment where risks are becoming more complicated and intertwined [4] - Catastrophic events can have cascading effects on operations and supply chains, highlighting the interconnectedness of risks [5] - Organizations need a comprehensive top-down view of risks and their potential impacts on budgets and profit and loss statements [6]

Core Insights - The NYDFS has released guidance emphasizing that third-party service provider risk management must be integral to financial institutions' cybersecurity programs, marking a shift from compliance-focused oversight to proactive risk management [1][2] Group 1: Vendor and Supply-Chain Risk - Financial institutions are increasingly reliant on complex digital supply chains involving cloud, fintech, and AI services, which create interconnected dependencies that are often opaque [2] - Cyber accountability cannot be outsourced; institutions must maintain responsibility for understanding and managing risks associated with third and fourth-party providers [2][4] - The Verizon 2025 Data Breach Investigations Report indicates that third parties are responsible for 30% of data breaches, a significant increase from previous years [3] Group 2: Impact of Third-Party Breaches - Approximately 30% of breaches in the financial sector originate from third parties, with a ripple effect impacting many institutions even if only a few vendors are compromised [4] - In 2024, 97% of major US banks experienced the effects of third- or fourth-party breaches, highlighting the widespread vulnerability in the sector [4] - The assumption that using multiple vendors reduces risk is misleading, as many institutions may be relying on the same underlying sub-service providers, creating concentration risk [5] Group 3: Shift in Regulatory Expectations - The NYDFS guidance reflects a global trend where regulators are pushing for continuous monitoring of resilience rather than annual compliance checks [6]

Core Viewpoint - Lotus Creek Exploration Inc. has approved a 2026 budget of $42.0 million, aiming for 75% annual production growth, with a forecast average production of 4,000 barrels of oil equivalent (boe) per day in Q4 2026 [2][3][4]. 2026 Budget Overview - The 2026 budget is set at $42.0 million, targeting annual production between 3,400 and 3,800 boe per day, with Q4 average production expected to range from 3,800 to 4,200 boe per day [3][4]. - The budget emphasizes a disciplined growth strategy while maintaining financial resilience in a lower oil price environment, focusing on high-value projects at Wilson Creek [3][4][7]. Strategic Priorities - **Production Growth**: The budget supports significant year-over-year and quarter-over-quarter production increases, concentrating on proven areas with strong performance [4]. - **Cash Flow Management**: A phased development schedule will distribute capital throughout the year, allowing flexibility to adapt to market conditions, with an expanded hedge portfolio for price protection [5]. - **Operational Efficiency**: The strategy maximizes existing infrastructure and resources, with plans to secure a top-tier drilling rig to enhance execution reliability and cost control [6]. Recent Performance Highlights - In October 2025, production reached 2,923 boe per day, marking a 119% month-over-month increase, with significant contributions from the Belly River drilling program [10]. - The company reported adjusted funds flow of $2.7 million for October 2025, reflecting a 350% month-over-month growth, which translates to an annualized figure of $32 million [10]. Company Background - Lotus Creek is a Canadian exploration and production company focused on light oil, with operations in Alberta and Saskatchewan. The company has made significant investments in drilling and infrastructure, including a $33.6 million investment in 2025 [8][9].

Paulo CASTELLARI, CEO Abel MARTINS-ALEXANDRE, CFO 4 th December, 2025 Disclaimer Certain information contained in this presentation including any information on Eramet's plans or future financial or operating performance and any other statements that express management's expectations or estimates of future performance, constitute forward-looking statements. Such statements are based on a number of estimates and assumptions that, while considered reasonable by management at the time, are subject to significa ...

Core Insights - Premier Air Charter Holdings Inc. has amended the conversion price of its Series A Preferred Stock from $0.04 to $0.25 per share to better align with its current financial position and reduce potential dilution of common stock upon conversion [1][2] Company Overview - Premier Air Charter Holdings Inc. is based in Carlsbad, California, and specializes in aircraft charter services, aiming to create trusted partnerships within the aviation industry to deliver bespoke aviation solutions [3] - The company focuses on reliability, innovation, and sustainability, with the goal of exceeding client expectations and becoming the preferred choice for private air travel globally [3] Strategic Goals - The amendment of the conversion terms is seen as a significant step towards achieving sustainable growth and financial resilience, reflecting the company's commitment to creating long-term value for investors and stakeholders [2] - The company aims to position itself to thrive in the evolving private air charter market through this strategic adjustment [2]

Core Insights - Manulife has launched the Longevity Institute, a global platform aimed at helping individuals live longer, healthier, and financially secure lives, supported by a commitment of $350 million [1][12] - The initiative addresses the widening gap between lifespan and healthspan, with many individuals spending up to 20% of their lives in poor health and nearly 40% facing financial insecurity as they age [2][12] Initiatives - Manulife is partnering with the National Institute on Ageing to support the annual Ageing in Canada Survey, which explores the experiences of Canadians aged 50+ [4] - Collaboration with the Milken Institute aims to advance research on critical longevity issues, including food production and health interventions [4] - The Longevity Symposiums, which began in Boston, are expanding globally to discuss how to improve quality of life as people age [4][5] Outcomes - The Longevity Institute will build on Manulife's existing efforts to assist over 36 million customers in improving their health and wealth [6] - The Institute will be known as the John Hancock Longevity Institute in the United States, focusing on research, advocacy, and community investments [12] - The initiative aims to promote health, wellness, and financial readiness, ultimately helping individuals thrive at any age [3][11]

Core Insights - The KeyBank Financial Mobility Survey reveals a shift in how Americans define financial success, with 74% prioritizing debt-free living over traditional milestones [1][2][5] - Financial stress is prevalent, with 68% of Americans feeling financial pressure, an increase from 50% in 2024 [2][6] - The survey indicates a decline in emergency readiness, with 25% of Americans unable to cover an unexpected $2,000 expense, up from 19% in 2024 [7] Financial Management Trends - Consumers are increasingly concerned about daily expenses, with 55% worried about groceries, 35% about housing costs, and 26% about credit card debt [6] - Traditional milestones such as homeownership and marriage are becoming less prioritized, with 53% of consumers focusing less on lifestyle expenses compared to the previous year [7] - Only 39% of Americans feel more financially successful than five years ago, with rising living costs and inflation cited as primary reasons for decreased success [7] Generational Perspectives - Gen Z is notably redefining success, with only 13% pursuing traditional milestones; 33% have opted against homeownership, marriage, children, and higher education [7] - Younger generations, particularly Gen Z, are more likely to adopt a casual approach to financial management, with 28% stating, "I'll figure it out" [7] Financial Tools and Strategies - Many Americans are turning to Buy Now, Pay Later (BNPL) options for immediate relief, with 58% using such programs, especially among younger generations [13] - Despite the short-term flexibility offered by BNPL, 73% of users still report feeling financially stressed, highlighting the tension between immediate choices and long-term financial planning [13]

Financial Resilience - Financial resilience is not about being too big to fail, but about being built not to break [1] - Bitget emphasizes the importance of a design that ensures resilience [1] Industry Perspective - The industry questions why financial failures are recurring [1]