GitHub repo: https://t.co/PaFtyjuULv(Don't forget to star 🌟) ...

假设以2025年上半年商业银行首套房30年期平均贷款利率3.8%为例，采用等额本息还款方式，100万元 的房贷月供约为4651元。看似并不算高的月供，累计30年却需要偿还高达167.44万元，其中利息支出就 高达67.44万元——这几乎相当于额外购买了三分之二套房子的价格！对比2025年第一季度全国平均月 收入11562元，单是房贷月供就占到了收入的近40%，远超金融专家建议的健康房贷支出比例（不超过 家庭月收入的30%）。在房价高企、工资增长滞后的现实下，许多家庭实际上背负着难以承受的债务压 力，财务焦虑指数也显著高于无贷款家庭（2024年国家金融心理健康调查显示，背负大额房贷的家庭财 务焦虑指数平均高出无贷款家庭37%）。 更令人担忧的是，2024年调查数据显示，约58%的房贷提前还 款申请因各种原因被银行拒绝或延迟处理，这进一步加剧了还款的压力和不确定性。 百万财富的三十年：房贷与储蓄的博弈 在现代社会，金钱始终是人们生活中绕不开的核心议题。无论是背负巨额房贷的压力，还是拥有百万存 款的喜悦，都深刻影响着每个人的生活轨迹。让我们聚焦100万元这笔资金，深入探讨其在30年间，分 别用于房贷和储蓄两种不同场 ...

GitHub repo → https://t.co/gIlRAh8enM ...

证券虚假陈述责任纠纷带来的额外费用负担，早在2024年就已经成为四环生物亏损的原因之一，目前， 该问题仍在持续拖累其业绩。 因证券虚假陈述，2020年4月中国证监会决定对四环生物作出行政处罚及市场禁入。四环生物最新发布 的公告显示，截至7月8日，公司共收到了南京市中级人民法院送达的188名投资者的诉讼材料，原告以 证券虚假陈述责任纠纷为由对公司提起民事诉讼，累计金额为4120.75万元。其中，已有154名投资者与 公司达成了诉前或诉中调解，公司累计支付调解款918.70万元。 7月10日晚，江苏四环生物股份有限公司（简称"四环生物""*ST四环"）发布业绩预告，预计2025年上半 年增收不增利，实现营业收入约1.8亿元至1.9亿元，较去年同期增长70.12%至79.57%；归属于上市公司 股东的净利润亏损900万元至1300万元，去年同期公司亏损1105.81万元，可能较去年同期亏损幅度进一 步扩大。 证券虚假陈述责任纠纷持续拖累业绩 关于公司今年上半年预计增收不增利的原因，四环生物表示，报告期内，控股子公司北京四环生物制药 有限公司主营业务收入略有下降，亏损同比增加；同时，母公司因支付证券虚假诉讼案律师费等 ...

以下文章来源于字母榜 ，作者赵晋杰 字母榜 . 让未来不止于大 两年后再退休， 苹果说不定就没救了。 文 ｜ 赵晋杰 编辑 ｜ 王靖 来源｜ 字母榜(ID:wujicaijing） 封面来源 ｜ IC Photo 一向被硅谷视为人才储备市场的苹果，这次也没能逃脱被扎克伯格挖人的命运。 不过，苹果目前对第三方模型的评估仍处在早期阶段，尚未作出最终决定。同时，苹果自研模型项目"LLM Siri"也在同步迭代。 资源投入的不足，被外界视为是导致苹果AI落后的一大原因。有爆料称，苹果2026年仅批准了一笔用于运行自研云端模型的数十亿美元预算。作为对比， 微软、Meta、谷歌的AI年度预算，都超过了500亿美元。 库克将更多的资源和决心放在了苹果MR头显上。 就在苹果智能版Siri爆出接入第三方模型的同一时间，天风国际分析师郭明錤公布了一张苹果Vision产品 线的路线图，其中提到，到2027年，库克将推出主打拍摄、音频以及AI的智能眼镜，同时还将上市更轻便设计的 Vision Air。 7月8日，彭博社爆料称苹果基础模型团队的负责人、核心AI高管Ruoming Pang，即将跳槽加入Meta。为了得到Pang，扎克伯 ...

OAKDALE, Calif., July 10, 2025 (GLOBE NEWSWIRE) -- Oak Valley Community Bank, a wholly-owned subsidiary of Oak Valley Bancorp (NASDAQ: OVLY), announced they have received approval on three 2025 Affordable Housing Program (AHP) grants which were submitted to the Federal Home Loan Bank of San Francisco (FHLBank San Francisco) on behalf of Modesto Gospel Mission for a total of $3.75 million and Tuolumne Economic Development Authority (TEDA) for $1.596 million. These projects will bring meaningful and lasting i ...

SCOTTSDALE, Ariz., July 10, 2025 (GLOBE NEWSWIRE) -- VIIRL Marketing, a digital marketing agency and software company, is pleased to announce the acquisition of the Yelp Division from Phoenix Online Advertising, an online marketing agency in Phoenix, Arizona. The acquisition grows VIIRL Marketing’s lead generation channel and continues to build on the success of their back to back 2023 and 2024 Yelp Marketing Partner of the Year wins. Further expanding VIIRL’s presence in the home services space by serving ...

Core Insights - CARFAX has expanded its partnership with General Motors, allowing CARFAX Lifetime dealers to access new car advertising placements on CARFAX Reports, CARFAX Car Listings, and CARFAX Car Care as part of GM's In-Market Retail (iMR) Turnkey Program [1][2] Group 1: Partnership and Program Details - The collaboration enables GM dealers with CARFAX Lifetime status to benefit from enhanced advertising support funded by the iMR Turnkey Program [1] - Eligible GM dealers, including those selling Chevrolet, Buick, GMC, and Cadillac models, can enroll in the GM iMR Turnkey program, with reimbursements starting as early as July 2025 [2] - The program is designed to streamline the advertising process for dealers, eliminating additional paperwork and delays [3] Group 2: Benefits for Dealers - The initiative is expected to boost revenue and visibility for participating dealers, reinforcing customer trust and loyalty [2] - CARFAX, as the leading automotive website in the U.S., provides GM dealers with a competitive advantage by connecting them with millions of in-market shoppers daily [3] - The program allows dealers to maximize their advertising spend, focusing more on customer engagement and service [3] Group 3: Company Background - CARFAX, part of S&P Global Mobility, has been a leader in vehicle history information since 1984, offering various services to consumers and the automotive industry [4] - The company operates the world's largest vehicle history database and is recognized as a top workplace by The Washington Post [4][5]

Key Takeaways ASML saw China contribute 27% of Q1 2025 revenues, driven by strong DUV lithography system demand. EUV system exports to China remain restricted under U.S. and Dutch trade controls. ASML stated steady customer behavior but warned of rising uncertainty amid global trade tensions.ASML Holding’s (ASML) sales to China accounted for 27% of first-quarter 2025 total revenues, which was way higher than the earlier expectations of low-20% levels. This increase came mainly from strong demand for Deep ...

Core Insights - The demand for data centers is expected to significantly boost semiconductor stocks for years to come, with companies like NVIDIA leading the market with over 80% share in GPUs [1][2]. Group 1: Semiconductor Companies - ASML is a leader in extreme ultraviolet (EUV) lithography systems, essential for producing advanced chips required for AI applications, achieving 52% year-over-year revenue growth in its latest quarter [3][6]. - Applied Materials provides key technologies for chip manufacturing, including processes necessary for high-performance AI chips, and is expected to see revenue growth of 6.5% to $29 billion by 2025 [7][9]. - KLA specializes in yield management, helping manufacturers improve efficiency and reduce defects in chip production, with analysts raising price targets in anticipation of strong earnings [12][13]. Group 2: Market Trends and Projections - The shift towards more power-efficient chips in hyperscale data centers is driving the need for advanced semiconductor technologies [2][4]. - Generative AI workloads necessitate cutting-edge GPUs and specialized accelerators, which rely on precision manufacturing equipment [5]. - Analysts have set a consensus price target of $923.80 for ASML, indicating a potential gain of over 16%, while KLA's stock is currently above its consensus price target, reflecting strong market expectations [6][12].