Western Union revealed in its Q3 earnings call that it will launch a stablecoin settlement pilot to reduce reliance on traditional correspondent banks and improve efficiency via on-chain networks. The company processes around 70 million transfers each quarter across 200+ countries.https://t.co/UF6HfyqVYw ...

Core Viewpoint - Rosen Law Firm is reminding investors who purchased securities of Marex Group plc during the specified Class Period of the upcoming lead plaintiff deadline on December 8, 2025, and the potential for compensation through a contingency fee arrangement [1][2]. Group 1: Class Action Details - The class action lawsuit against Marex Group plc alleges that during the Class Period, the company made materially false and misleading statements and failed to disclose critical information regarding its financial practices [4]. - Specific allegations include Marex selling over-the-counter financial instruments to itself, inconsistencies in financial statements between subsidiaries, and the unreliability of Marex's financial statements [4]. - The lawsuit claims that these misrepresentations led to investor damages when the true details became public [4]. Group 2: Legal Representation - Investors are encouraged to select qualified legal counsel with a proven track record in securities class actions, as many firms may lack the necessary experience and resources [3]. - Rosen Law Firm has a history of successful settlements, including the largest securities class action settlement against a Chinese company at the time, and has recovered hundreds of millions for investors [3]. - The firm was ranked No. 1 for the number of securities class action settlements in 2017 and has consistently ranked in the top 4 since 2013 [3].

近日，南沙开建期货产业园招商大会在南沙国际会展中心举行。南沙区政企智各界代表逾400人齐聚。现场，一批 期货行业龙头机构、全产业链企业与战略合作银行现场集中签约，标志着全国首个期货金融业全要素产业园已初 步形成"以期货为引领、多元金融业态协同、服务实体经济导向明确"的产业生态。 据了解，南沙金融业增加值占GDP比重超10%，持牌法人金融机构占广州的1/4，集聚了广州期货交易所、明珠金 融创新集聚区、汇丰全球培训中心等一批重大平台，获批为跨境贸易投资高水平开放试点、跨境股权投资试点等 全国金融创新试点。 广州市南沙开发区管委会副主任顾昱介绍，南沙期货产业园是服务国家战略、推动金融创新发展的重要平台，是 南沙构建现代化金融体系的关键一步。"当前南沙正全面推动海港、空港、数港、金融港、人才港五港联动发展战 略中，是南沙打造'金融港'核心引擎的关键一环。" 顾昱表示，政策赋予的"清单式申请授权"机制，为探索跨境金融、绿色金融等领域提供了独特优势。南沙区正推 动政策从文件走向实践，努力打造一个交易成本更低、创新环境更优、发展空间更大的投资沃土。将加快建设现 代化产业体系，大力发展特色金融，并持续推进与港澳在规则、机制等 ...

Key Points Seven states offer exemptions for various forms of retirement income. Nine states don't have any state income tax, which also applies to retirement income. Remember that Federal tax rules apply to Social Security regardless of your state's rules. The $23,760 Social Security bonus most retirees completely overlook › People (ideally) spend decades preparing for retirement, whether it's paying into the Social Security system, stashing money and investing in various retirement accounts, or ...

Core Insights - The article discusses Hercules Capital, Inc. (NYSE: HTGC) and compares it with Trinity Capital Inc. (TRIN) to evaluate their financial strategies and performance [1]. Group 1: Company Overview - Hercules Capital, Inc. is highlighted as a significant player in the financial management sector, particularly in shaping financial strategies for top-tier corporates [1]. - Trinity Capital Inc. is mentioned in the context of a comparative analysis with Hercules Capital, indicating a focus on investment opportunities within the sector [1]. Group 2: Analyst Background - Roberts Berzins, with over a decade of experience in financial management, has contributed to institutionalizing the REIT framework in Latvia, enhancing liquidity in pan-Baltic capital markets [1]. - His expertise includes developing national SOE financing guidelines and frameworks for channeling private capital into affordable housing [1].

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 ...

Core Insights - The article emphasizes that personal finance can be simplified with quick financial fixes that can be completed in an hour or less, as highlighted in a report by AARP [1][2] Financial Fixes - Regularly reading credit reports is crucial to identify potentially costly errors, with nearly 50% of reports containing mistakes that can negatively impact credit scores [3][4] - Freezing credit is an effective measure against identity theft, providing a proactive way to protect personal information [6] - Applying for a zero-APR credit card can help manage and pay down existing credit card debt by transferring high-interest debt to a card with no interest for a promotional period of 12 to 21 months [7][8][9] - Opening a high-yield savings account can significantly increase savings, with many online banks offering interest rates between 3.5% to 4%, compared to the less than 3% earned by over half of savers [10][11] - Shopping for auto insurance discounts is essential, especially with projected rate increases of 7.5% in 2025, and consumers are encouraged to compare quotes from multiple insurers [12][13] - Many Americans have unclaimed assets in the form of forgotten accounts, and resources like Missing Money can help locate these funds [15] - Auditing subscriptions can reveal unused services, with the average American wasting about $200 annually on subscriptions they no longer use [16][17] - Increasing 401(k) contributions is a straightforward way to enhance retirement savings, with the maximum contribution set at $23,500 in 2025 [18][19][20]

Core Insights - ESG stocks have significantly underperformed compared to the S&P 500, with the Kiplinger ESG 20 returning an average of 4.3% over the past year, which is less than one-third of the S&P 500's 15.9% return [1] - Only six out of the 15 stocks in the Kiplinger ESG 20 outperformed the S&P 500, and only one of the favored ESG funds did so [1] Group 1: ESG Performance Challenges - ESG investing faced hurdles last year due to social media pressure, leading companies to retreat from their ESG objectives [2] - Morningstar reported that 2023 was the worst calendar year for ESG stocks, with lagging performance cited as the primary reason for this underperformance [3][4] - High interest rates and supply chain disruptions were noted as contributing factors to the underperformance of ESG stocks, although these challenges affected all sectors [4] Group 2: AI Stocks and ESG - Despite the energy-intensive nature of AI, several AI stocks, including Microsoft and Nvidia, were included in the Kiplinger ESG 20 list, raising questions about the criteria for ESG classification [6][7] - Microsoft's commitment to being carbon negative and water positive by 2030 justified its inclusion, while Nvidia's board and compensation practices were highlighted as reasons for its selection [8]

Core Insights - The perception of wealth in retirement often revolves around large figures, but having $1 million or more places individuals in the top 3% of U.S. retirees [1][2] - Financial experts suggest that even $1 million may not be sufficient for retirement, with recommendations of aiming for at least $10 million due to underestimations of retirement costs [3] - A significant portion of U.S. households, 54%, have no retirement savings, highlighting the disparity in retirement preparedness [4] Retirement Savings Data - According to Northwestern Mutual's 2025 Planning & Progress Study, Americans estimate needing $1.26 million for a comfortable retirement, a decrease from $1.46 million in 2024, yet still significantly higher than the median savings of those nearing retirement [5] - In early 2025, 401(k) contribution rates reached a record high of 14.3%, indicating that those with access to retirement plans are saving more, although many still do not participate [6] Age-Based Savings Statistics - Median and mean retirement savings vary significantly by age group, with the following data: - Under 35: Median $18,800; Mean $49,130 - Ages 35–44: Median $45,000; Mean $141,520 - Ages 45–54: Median $115,000; Mean $313,220 - Ages 55–64: Median $185,000; Mean $537,560 - Ages 65–74: Median $200,000; Mean $609,230 - Ages 75 and over: Median $130,000; Mean $462,410 [8]

Core Insights - Real estate can provide steady income for retirees, but it also comes with unpredictable costs and potential burdens [1][3] - Financial expert Suze Orman emphasizes that many retirees overestimate the reliability of rental income [3][4] Group 1: Listener's Situation - A retiree named Susan plans to sell a rental property for approximately $300,000 after taxes, seeking to replace $1,100 in monthly rental income [2] - Susan and her husband rely on Social Security, a pension, and rental income from three properties [2] Group 2: Orman's Advice on Real Estate - Orman warns that unexpected expenses, such as repairs, can significantly reduce net rental income, potentially leading to a deficit [4] - She advises retirees not to assume rental income is guaranteed and to consider selling properties if necessary [4] Group 3: Investment Strategies for Income Generation - Orman suggests fixed income options like Treasuries, municipal bonds, and CDs, which could yield around 4% to 5%, sufficient to match Susan's monthly income needs [5] - A growth and income mix, including utility stocks, dividend-paying ETFs, or real estate investment trusts, could provide 3% to 4% yields with potential for long-term appreciation [5] - Immediate annuities could offer $1,400 to $1,600 per month on a $300,000 investment, but Orman cautions about the loss of income for surviving spouses upon the annuitant's death [5]