在硅谷,程序员曾经是最不需要为生计发愁的一群人——但对 Roman 来说,这个时代已经结束了。 Roman 的油管 ID 叫“旧金山的程序员”。过去十多年,他一直生活、工作在旧金山,是一名标准意义上的资深程序员:写过多种编程语言、在硅谷大厂待过、GitHub 上有多个千星仓库、有技术积累,也有体面的履历。 他原本以为,哪怕行业放缓,至少“体面地活着”不该是个问题。但现实给了他完全相反的答案。 半年...
在硅谷,程序员曾经是最不需要为生计发愁的一群人——但对 Roman 来说,这个时代已经结束了。 Roman 的油管 ID 叫“旧金山的程序员”。过去十多年,他一直生活、工作在旧金山,是一名标准意义上的资深程序员:写过多种编程语言、在硅谷大厂待过、GitHub 上有多个千星仓库、有技术积累,也有体面的履历。 他原本以为,哪怕行业放缓,至少“体面地活着”不该是个问题。但现实给了他完全相反的答案。 半年 200 多场面试,工作却“消失了” 对 Roman 来说,过去大半年的求职经历,堪称一场无休止的噩梦。他直言: “说实话,情况已经很明显了:在旧金山、在湾区,乃至整个美国,程序员的工作基本已经‘没了’。” 从 2025 年下半年开始,Roman 为了找到一份靠谱的工作,马不停蹄跑遍各大公司,前前后后参加了 200–300 场面试,涵盖 Python、Java、系统设计、算法题。最极端的一周,他连续参加了 13 场面试。 然而,即便他在面试中能一路通关到最后,得到的却永远是五花八门的拒绝理由:“不好意思,我们暂不录用”,“技术通过了,但我们现在不招人”。 在他的感受里,旧金山的招聘市场并不是“竞争激烈”,而是岗位本身正在消失。面试仍然存在,但招聘不再发生,大量流程更像是“占位”、“建候选池”,甚至只是招聘人员完成 KPI 的手段。 最终,他只找到了一份薪资直接腰斩的工作,收入比上一份工作下滑了 40% 以上,连在旧金山的基本生活都撑不住——而出于家庭和现实原因,他短期内无法离开旧金山。为了维持生活,他每天不得不从存款中拿出 100 美元,用来支付房租、交通和最基本的生活开销。 更让他感到绝望的是,自己的遭遇还并非个例: ● 他认识的一个 PhD 博士,一年只工作了 5 个月便再度失业; ● 还有个程序员朋友,整整一年也没找到任何工作; ● 硅谷的裁员消息更是从未间断,2 万、5 万、10 万,各大科技公司的裁员数字不断刷新。 有人在评论区质疑他:“既然你一周能有这么多面试,说明工作还是有的。” 对此,Roman 的回应非常直白:在美国,这叫 Nothing Burger——看起来像东西,其实什么都没有,“面试不能交房租,不能买食物,也不能替你向房东解释‘我这周面了 13 场’。” 在这种环境下,“继续死等一份 IT 工作”在 Roman 看来,已经变成了一种消耗生命的行为。...
TLDRs; Apple’s Xcode 26.3 empowers AI agents to autonomously handle coding tasks, streamlining workflows while keeping human oversight intact. Apple adopts an open AI standard, letting Xcode developers plug in third-party agents and reduce reliance on a single vendor. Agentic coding speeds up development but may introduce bugs, requiring careful oversight to preserve software quality. Apple’s AI c...
TLDRs; Apple’s Xcode 26.3 empowers AI agents to autonomously handle coding tasks, streamlining workflows while keeping human oversight intact. Apple adopts an open AI standard, letting Xcode developers plug in third-party agents and reduce reliance on a single vendor. Agentic coding speeds up development but may introduce bugs, requiring careful oversight to preserve software quality. Apple’s AI coding push shows innovation but raises adoption uncertainties, influencing stock performance modestly. 💥 Find the Next KnockoutStock! Get live prices, charts, and KO Scores from KnockoutStocks.com , the data-driven platform ranking every stock by quality and breakout potential. Apple Inc. (NASDAQ: AAPL) saw its stock dip modestly following the release of Xcode 26.3, its latest development environment update that brings advanced agentic AI coding tools to developers. Apple Inc., AAPL The minor pullback comes amid investor uncertainty as the market digests how these AI enhancements may reshape software development and the company’s competitive position in the rapidly evolving tech landscape. AI Agents Transform Developer Workflows Xcode 26.3 introduces agentic coding capabilities, allowing AI-powered agents to perform tasks autonomously across the development cycle. Unlike prior AI features, which focused primarily on assisting with Swift code writing and editing, these agents can now act independently, building projects, running tests, and addressing errors with minimal human intervention. Apple emphasizes that developers still retain oversight, with the ability to review agent transcripts and roll back changes, ensuring a balance between speed and accuracy. Model Context Protocol Enhances Flexibility A key addition in Xcode 26.3 is the Model Context Protocol (MCP), an open standard enabling compatibility with a wide range of AI tools and agents beyond Apple’s native integrations. This shift marks a departure from Apple’s typical proprietary approach, giving developers flexi...
Indian lenders asked the central bank to relax a number of liquidity rules to allow them unlock more funds for growth, according to people familiar with the matter, as demand for loans grows faster than deposits. Lenders are seeking permission to free up some of the cash they have to park with the Reserve Bank of India for short-term financial stress requirements, the people said, asking not to be...
Indian lenders asked the central bank to relax a number of liquidity rules to allow them unlock more funds for growth, according to people familiar with the matter, as demand for loans grows faster than deposits. Lenders are seeking permission to free up some of the cash they have to park with the Reserve Bank of India for short-term financial stress requirements, the people said, asking not to be identified as the discussions are private. Meetings between the RBI and several banks took place over the past two weeks, they said. The talks underscore the challenges Indian lenders face sustaining growing demand for credit in the world’s fastest-growing major economy as households use savings to buy stocks, depleting banks’ traditional source of funds. Allowing a larger portion of so-called cash-reserve ratio balances to count toward liquidity coverage ratio requirements will free up more funds for banks and help bring down borrowing costs. Lenders also requested the RBI consider an early rollout of revised liquidity rules that allow them to hold fewer government bonds, something that also frees up more cash for lending, the people said. Those new rules are set to come into effect from April 1. They also want the RBI to lower the minimum maturity of infrastructure bonds from seven years, which would allow them to raise more funds through these instruments, the people added. A spokesperson for the RBI didn’t respond to an email seeking comment. Bank deposits grew 10.6% from a year earlier as of Jan. 15, trailing credit growth of 13.1%, according to latest central bank data. Rates on three-month certificates of deposits used by banks to raise short-term funds were at 6.98% on Wednesday, far exceeding yields on similar-maturity government treasury bills. Read More: RBI’s Battle to Contain Yields Gets Tougher on Modi Budget Spree
Exxon is a leading dividend stock. ExxonMobil (XOM +3.85%) paid a total of $17.2 billion in dividends to shareholders last year, the second highest among S&P 500 companies. The oil giant currently has a nearly 3% dividend yield, which is almost three times the S&P 500's level of 1.1%. The leading oil dividend stock's high yield enables investors to generate substantial passive income. A $3,000 inv...
Exxon is a leading dividend stock. ExxonMobil (XOM +3.85%) paid a total of $17.2 billion in dividends to shareholders last year, the second highest among S&P 500 companies. The oil giant currently has a nearly 3% dividend yield, which is almost three times the S&P 500's level of 1.1%. The leading oil dividend stock's high yield enables investors to generate substantial passive income. A $3,000 investment in ExxonMobil could generate hundreds in dividend income in the coming years. A robust and growing income stream With its stock price recently around $139 a share, you can buy 21 shares of Exxon for $3,000 without purchasing any fractional shares. The oil company currently pays a quarterly dividend of $1.03 per share ($4.12 annualized). At that rate, you'd collect $86.52 of dividend income in the first year. That's a nearly 3% income yield on your cost basis. If Exxon simply maintained its dividend, you'd collect $432.50 of income over the next five years. However, Exxon will likely continue increasing its dividend. The oil giant raised its payment by 4% last year, extending its industry-leading growth streak to 43 consecutive years. The company has grown its payout at an average annual rate of 5.8% during that period. Expand NYSE : XOM ExxonMobil Today's Change ( 3.85 %) $ 5.33 Current Price $ 143.73 Key Data Points Market Cap $606B Day's Range $ 138.31 - $ 145.01 52wk Range $ 97.80 - $ 145.01 Volume 38M Avg Vol 17M Gross Margin 21.56 % Dividend Yield 2.78 % Assuming a more modest growth rate of around 4% annually (its average in more recent years), here's how much dividend income you could collect from Exxon over the next five years: Annual dividend rate Annual dividend income Year One $4.12 $86.52 Year Two $4.28 $89.98 Year Three $4.46 $93.58 Year Four $4.63 $97.32 Year Five $4.82 $101.22 Cumulative $468.62 Ample fuel to grow its dividend Exxon's past performance is no guarantee it will deliver similar results in the future. However, we can have a lot of confiden...
Gold Giant Bundesbank Signals An Open Vote Of No Confidence in Global Monetary Stability Submitted by Thomas Kolbe The German Bundesbank hoards the second-largest gold reserves among central banks. The precious metal serves as an insurance policy for both states and private individuals. Its massive price surge shows that the dice have already been cast: governments will attempt to inflate their de...
Gold Giant Bundesbank Signals An Open Vote Of No Confidence in Global Monetary Stability Submitted by Thomas Kolbe The German Bundesbank hoards the second-largest gold reserves among central banks. The precious metal serves as an insurance policy for both states and private individuals. Its massive price surge shows that the dice have already been cast: governments will attempt to inflate their debts. Anyone acquiring precious metals in these weeks simultaneously casts a verdict on their currency. This may be a conscious portfolio decision or simply an undefined desire to have a monetary insurance policy at hand. One never knows what the future holds. Gold jewelry or collectible silver coins are aesthetically appealing and trigger our instinct to collect. What private purchases and the massive hoarding of gold by central banks share is their monetary-policy background. In honest moments, looking at the soaring global sovereign debts and escalating geopolitical conflicts, we know that our monetary system is heading for severe turbulence. In many places, the fiscal Rubicon has long been crossed. With debt-to-GDP ratios well above 100 percent—in the U.S., China, and numerous European countries—only a massive expansion of the money supply can ensure the public sector’s ability to pay. Bundesbank Holds Massive Gold Reserves This occurs at the expense of those trusting in cash. In this context, it is noteworthy that the German Bundesbank hoards the second-largest gold reserves among global central banks. 3,350 tons of gold, with a market value of roughly half a trillion euros, are split between the Bundesbank’s vaults in Frankfurt (50 percent), the New York Federal Reserve (37 percent), and a storage facility in the City of London (13 percent). It is an inheritance from the old Bretton Woods system, when gold was stored near major global trade hubs. The time is drawing closer to bring the reserves stored abroad back home. In a fragile monetary system, precaution is not al...
Hong Kong police intensified their crackdown on the illegal use of electric bicycles and scooters in 2025, leading to a 17 per cent jump in arrests to 760, according to transport authorities. Secretary for Transport and Logistics Mable Chan on Wednesday also pledged to roll out a certification mechanism later this year for electric mobility devices, as the vehicles are known. Addressing the Legisl...
Hong Kong police intensified their crackdown on the illegal use of electric bicycles and scooters in 2025, leading to a 17 per cent jump in arrests to 760, according to transport authorities. Secretary for Transport and Logistics Mable Chan on Wednesday also pledged to roll out a certification mechanism later this year for electric mobility devices, as the vehicles are known. Addressing the Legislative Council, she said the surge in arrests – up from 647 cases in 2024 – underscored the urgent need for formal regulations to ensure public safety. Advertisement There were three traffic accidents involving electric mobility devices in 2024, rising to eight in 2025. The minister also pointed to a rise in the number of fire incidents – from 12 in 2024 to 17 in 2025 – mostly caused by malfunctioning batteries. Advertisement “We are actively collaborating with the Hong Kong Productivity Council to reference practices from different regions and to formulate a product certification mechanism,” Chan said. She said that at the core of the regulatory framework, accredited bodies would assess electric mobility devices against Transport Department technical and electrical requirements, with certified models carrying a QR code label to facilitate identification by the public and law enforcement.
Key Points Claiming Social Security early reduces your benefits on a monthly basis. If your health is poor, an early filing might give you more lifetime income. While an early claim might work out best for you, it could hurt a surviving spouse. The $23,760 Social Security bonus most retirees completely overlook › There's a reason so many seniors grapple with their Social Security filing decision. ...
Key Points Claiming Social Security early reduces your benefits on a monthly basis. If your health is poor, an early filing might give you more lifetime income. While an early claim might work out best for you, it could hurt a surviving spouse. The $23,760 Social Security bonus most retirees completely overlook › There's a reason so many seniors grapple with their Social Security filing decision. Although your lifetime earnings determine what monthly benefit you get, your filing age also plays a role in finalizing that number. At full retirement age, which is 67 for anyone born in 1960 or later, you're entitled to your complete monthly Social Security benefit without a reduction. Filing early, which you can do starting at age 62, will reduce your monthly benefits, while delaying your claim past full retirement age will grow your benefits up until the age of 70. Where to invest $1,000 right now? Our analyst team just revealed what they believe are the 10 best stocks to buy right now. Continue » If your health is poor, you may be leaning toward an early Social Security claim. Even though that'll result in smaller monthly benefits, if you don't expect to live a long life, it could lead to a larger lifetime benefit. But while the numbers may work out well for you in that scenario, there's another piece of the puzzle you may be overlooking. Don't forget about your spouse If you're single, you clearly don't have to worry about how your Social Security claim will affect a spouse's income. But if you're married with a spouse who's likely to outlive you, and you were the higher earner in the household, then you should think about how your actions might affect your partner's survivor benefits. Once you pass away, your surviving spouse will be eligible for a monthly benefit equal to 100% of the amount you collected while you were alive. If you slash that monthly benefit by claiming Social Security early, you could end up leaving your spouse with a lot less money to live on onc...
GSK ( GSK ) declares $0.4968/ADS or 18p/share dividend, bringing total dividend declared to 66p/share for full year 2025. Forward yield 3.73% Payable April 9; for shareholders of record Feb. 20; ex-div Feb. 20. Based on the exchange rate of $1.38/£1 (as of January 28), the dividend payout is $0.4968 per ADR. This reflects an ordinary dividend of 18p per share, which converts to $0.2484; under the ...
GSK ( GSK ) declares $0.4968/ADS or 18p/share dividend, bringing total dividend declared to 66p/share for full year 2025. Forward yield 3.73% Payable April 9; for shareholders of record Feb. 20; ex-div Feb. 20. Based on the exchange rate of $1.38/£1 (as of January 28), the dividend payout is $0.4968 per ADR. This reflects an ordinary dividend of 18p per share, which converts to $0.2484; under the current ratio, each ADR represents two ordinary shares ($0.2484*2). The expected dividend for 2026 is 70p per share. Furthermore, GSK commenced a £2 billion share buyback programme in Q1 2025, to be implemented over the period to the end of Q2 2026. See GSK Dividend Scorecard, Yield Chart, & Dividend Growth. More on GSK GSK plc (GSK) RAPT Therapeutics, Inc. - M&A Call - Slideshow RAPT Therapeutics: A Buy As GSK Acquisition Highlights Long-Acting IgE Candidate GSK plc (GSK) Presents at 44th Annual J.P. Morgan Healthcare Conference Transcript GSK beats top-line and bottom-line estimates; reaffirms 2026 guidance and 2031 sales outlook GSK Q4 2025 Earnings Preview
The headline seasonally adjusted HCOB Spain Services PMI Business Activity Index recorded 53.5 in January, down quite noticeably from December’s 57.1 and the weakest reading since last August. The HCOB Spain Composite PMI® Output Index recorded 52.9 in January, down from 55.6 at the end of last year. That indicated a downshift in growth at the start of 2026 to its slowest since last June. “The lat...
The headline seasonally adjusted HCOB Spain Services PMI Business Activity Index recorded 53.5 in January, down quite noticeably from December’s 57.1 and the weakest reading since last August. The HCOB Spain Composite PMI® Output Index recorded 52.9 in January, down from 55.6 at the end of last year. That indicated a downshift in growth at the start of 2026 to its slowest since last June. “The latest HCOB PMIs indicate that growth momentum in Spain’s private sector eased somewhat at the start of the year, with both the services sector and manufacturing contributing to the slowdown. This cooling follows an exceptionally strong final quarter of 2025, when GDP expanded by 0.8% quarter‑on‑quarter. Given the diminishing underlying impulses, such a rapid pace of expansion is unlikely to be sustained throughout 2026." said Jonas Feldhusen, Junior Economist at Hamburg Commercial Bank. More on Spain EWP: Moderating Inflation, AI Investments, And American Tensions Bode Well For Spain EWP: Spanish Stocks To Benefit From Solid GDP Growth In 2026 Spain's manufacturing sector sees downturn in January Spain's economy expected to grow 0.8% in Q4, inflation fell to 2.4% in January Seeking Alpha’s Quant Rating on iShares MSCI Spain ETF
Tippapatt Global IT spending is projected to reach $6.15 trillion in 2026, up 10.8% from 2025, as software spending shows promise despite a downward forecast revision, according to Gartner. “AI infrastructure growth remains rapid despite concerns about an AI bubble, with spending rising across AI‑related hardware and software,” Gartner's John-David Lovelock said. “Demand from hyperscale cloud prov...
Tippapatt Global IT spending is projected to reach $6.15 trillion in 2026, up 10.8% from 2025, as software spending shows promise despite a downward forecast revision, according to Gartner. “AI infrastructure growth remains rapid despite concerns about an AI bubble, with spending rising across AI‑related hardware and software,” Gartner's John-David Lovelock said. “Demand from hyperscale cloud providers continues to drive investment in servers optimized for AI workloads.” Server spending, meanwhile, is projected to accelerate in 2026, growing 36.9% year-over-year, while total data center spending is expected to increase 31.7%, surpassing $650 billion in 2026, up from nearly $500 billion the previous year. Software spending growth for 2026 has been slightly revised downward to 14.7%, from 15.2% for both application and infrastructure software. “Despite the modest revision, total software spending will remain above $1.4 trillion,” said Lovelock. “Projections for generative AI ( GenAI ) model spending in 2026 remain unchanged, with growth expected at 80.8%. Elsewhere, shipments of mobile phones, PCs, and tablets continue to grow steadily, with total spending on devices projected to reach $836 billion in 2026. However, market-demand constraints are expected to moderate growth to 6.1% that year, Gartner added. “This slowdown is largely due to rising memory prices, which are increasing average selling prices and discouraging device replacements,” said Lovelock. “Additionally, higher memory costs are causing shortages in the lower end of the market, where profit margins are thinner. These factors are contributing to more muted growth in device shipments.” More on ServiceNow, Meta, etc. Alphabet And Amazon Earnings Previews: What's Happening To Margins? Alphabet Q4 Earnings Preview: Can AI And Cloud Momentum Sustain The $4 Trillion Valuation? Microsoft: Pullback Improves The Investment Case (Rating Upgrade) U.S. states appeal ruling in landmark case involving Google's search...
(RTTNews) - Hyundai Engineering & Construction Co.,Ltd. (000720.KS) reported fourth quarter net income attributable to shareholders of parent company of 114.6 billion Korean Won compared to a loss of 0.5 trillion won, prior year. Net income from continuing operation before income tax was 157.4 billion won compared to a loss of 1.6 trillion won, last year. Operating income was 118.8 billion won com...
(RTTNews) - Hyundai Engineering & Construction Co.,Ltd. (000720.KS) reported fourth quarter net income attributable to shareholders of parent company of 114.6 billion Korean Won compared to a loss of 0.5 trillion won, prior year. Net income from continuing operation before income tax was 157.4 billion won compared to a loss of 1.6 trillion won, last year. Operating income was 118.8 billion won compared to a loss of 1.8 trillion won. Fourth quarter sales were 8.06 trillion won compared to 7.25 trillion won, an increase of 11.2% from last year. Shares of Hyundai Engineering & Construction are currently trading at 1,13,000 won, up 4.05%. For more earnings news, earnings calendar, and earnings for stocks, visit rttnews.com. The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.