Key Points The median retirement savings balance among people with retirement accounts in the U.S. is $87,000. Nearly half of all Americans don't have any retirement savings. Focus on estimating how much you need for retirement, rather than comparing your savings to others'. The $23,760 Social Security bonus most retirees completely overlook › Figuring out how much you need to save for retirement ...
Key Points The median retirement savings balance among people with retirement accounts in the U.S. is $87,000. Nearly half of all Americans don't have any retirement savings. Focus on estimating how much you need for retirement, rather than comparing your savings to others'. The $23,760 Social Security bonus most retirees completely overlook › Figuring out how much you need to save for retirement can be confusing. You don't know how long you'll live or what your expenses will be like. This makes it tough to know whether you're on track for your goals, even if you're saving regularly. Some people find that comparing their progress to others' helps them. While this can provide a quick sense of how you're doing compared to the average American, it might still leave you in danger of coming up short. Will AI create the world's first trillionaire? Our team just released a report on the one little-known company, called an "Indispensable Monopoly" providing the critical technology Nvidia and Intel both need. Continue » The median retirement savings in the U.S. is $87,000 Beating the typical American's retirement savings isn't as hard as you might imagine. According to 2022 Federal Reserve data, the median retirement savings balance for all families is $87,000. The mean sits at nearly $334,000, but this is misleading because it only takes a few high earners to skew the data upward. Even the $87,000 median doesn't tell the full story. This is the median amount of retirement savings among all Americans who have retirement accounts. But many don't. Only about 54.4% have any money set aside for retirement, according to the Federal Reserve data. If we included the households without savings, the median would drop even further. So if you have any money set aside for retirement, you're off to a good start, and you're probably ahead of many Americans. That said, even if you're sitting at $87,000 or $334,000 in savings, that doesn't necessarily mean you're on track for your goals. A ...
"She will be fed up and get strong enough for a return to the wild in Spring - when all five cold stunned turtles in the UK will be taken and released.
"She will be fed up and get strong enough for a return to the wild in Spring - when all five cold stunned turtles in the UK will be taken and released.
If you are wondering whether Palantir Technologies' current share price fairly reflects its story, this article will walk through what that number might mean for you. Palantir's stock is at US$135.90 after a 7.3% decline over the past week and a 23.4% decline over the past month, even though the 1 year return stands at 22.6% and the 3 year return is very large. Recent coverage around Palantir has ...
If you are wondering whether Palantir Technologies' current share price fairly reflects its story, this article will walk through what that number might mean for you. Palantir's stock is at US$135.90 after a 7.3% decline over the past week and a 23.4% decline over the past month, even though the 1 year return stands at 22.6% and the 3 year return is very large. Recent coverage around Palantir has focused on its role as a software provider in data analytics and security for government and commercial customers. This keeps attention on how durable its contracts and customer relationships might be. This context matters when you weigh the stock's 19.0% year to date decline against its very strong multi year performance. On our valuation checks, Palantir currently scores . We will walk through what that means using different valuation approaches, then finish by looking at a broader way to think about value that goes beyond any single model. Palantir Technologies scores just 0/6 on our valuation checks. See what other red flags we found in the . Advertisement Approach 1: Palantir Technologies Discounted Cash Flow (DCF) Analysis The Discounted Cash Flow, or DCF, model estimates what a company could be worth today by projecting its future cash flows and discounting them back to the present using a required rate of return. For Palantir Technologies, the model starts with last twelve month free cash flow of about US$2.1b. Analysts provide explicit forecasts out to 2030, with Simply Wall St extrapolating further to build a 2 stage Free Cash Flow to Equity model. By 2030, projected free cash flow is US$11.3b, and the ten year path between 2026 and 2035 is captured through annual estimates and extensions, each discounted back to reflect the time value of money and risk. When all those discounted cash flows are added together, the model arrives at an estimated intrinsic value of US$103.55 per share. Compared to the current share price of US$135.90, the DCF implies the stock is abo...
Azure is the star of Microsoft's report. Microsoft (MSFT +2.00%) hasn't had a great start to 2026. Its stock recently was down 11% for the year, with the bulk of that fall coming after its second-quarter fiscal year 2026 earnings report, when it declined 10% in a single day. This decline will make it difficult to outperform the market in 2026, as the stock doesn't get the benefit of starting at it...
Azure is the star of Microsoft's report. Microsoft (MSFT +2.00%) hasn't had a great start to 2026. Its stock recently was down 11% for the year, with the bulk of that fall coming after its second-quarter fiscal year 2026 earnings report, when it declined 10% in a single day. This decline will make it difficult to outperform the market in 2026, as the stock doesn't get the benefit of starting at its current low price tag. It must make up the ground it has lost. The S&P 500 (^GSPC +1.97%) is up a mere 1%, so it doesn't have a ton to make up. Still, it won't be easy for Microsoft. However, I think there's one clear reason why Microsoft can still outperform the market in 2026, and it all revolves around Azure. Cloud computing is the key to AI Azure is Microsoft's cloud computing division. Cloud computing plays a huge role in AI, as upstarts and developers cannot afford to build a massive data center filled with the necessary computing equipment to train and run an AI model properly. Instead, big tech companies like Microsoft are building excess computing capacity, then renting it to their clients. As long as Microsoft can build the data centers, buy the expensive computing units, and then operate them for less than what they charge, it's a huge opportunity for Microsoft. Unfortunately, we don't know what the economics of Azure's business are, because Microsoft doesn't individually break out its profits by division. However, two of Azure's competitors, Amazon Web Services (AWS) and Alphabet's Google Cloud, do. During the first quarter, AWS delivered a 35% operating margin. Google Cloud's operating margins were 24% during the same period. So I think it's safe to assume that Azure's operating margins are likely within 25% to 35%. Compared to Microsoft's overall operating margin of around 47%, this means that Azure could be a drag. However, Azure's operating margin may be better than its peers'. There's just no way to be certain. Regardless, Azure is Microsoft's fastest-gro...
Trilby set to rakish and his suit truss tight, Paul Smith leaps from the drum riser with a scissor kick and, just for a moment, as the singer hangs in the air, it could be the cover of A Certain Trigger – the album being celebrated in Glasgow tonight. Maxïmo Park’s debut is 21 years old. Has it come of age? Not exactly. It sounds very much of its time, all jaggy riff and angsty yelp. Yet the Newca...
Trilby set to rakish and his suit truss tight, Paul Smith leaps from the drum riser with a scissor kick and, just for a moment, as the singer hangs in the air, it could be the cover of A Certain Trigger – the album being celebrated in Glasgow tonight. Maxïmo Park’s debut is 21 years old. Has it come of age? Not exactly. It sounds very much of its time, all jaggy riff and angsty yelp. Yet the Newcastle band play the hell out of these songs. They sound better now than back then. They won’t perform the album in full and in order, Smith explains. They’ll throw in tracks from other records. “But,” he reassures, “you will probably hear 97% of it.” Lacking a pie chart, let’s just say the selection is well judged. The inclusion of recent-ish single Favourite Songs feels pointed. Smith sings the opening words – “My best years are behind me” – with a finger in the air, and then pats his chest in mild defiance: “But I’m damned if I’m giving up.” Anniversary shows often carry this unspoken question: how to stay dignified and present when selling tickets based on youthful success? Maxïmo Park achieve it through split-atom energy, a dash of humour and the sort of chops you develop from years on the road. Much attention, understandably, is given to Smith’s stage moves; his pointing technique is such that he could understudy Jarvis Cocker. Worth saying, though, that he has become an impressive singer. The held note at the end of I Want You to Stay is thrilling, and they do well to follow it with Versions of You. A tender reflection on parenthood and absence, it may be their best song. The rest of the band keep things modest. Guitarist Duncan Lloyd, a human shrug, cranks out tune after tune as if they have nothing to do with him. Only Jemma Freese, exuberant on keys, comes close to pulling focus from the frontman. They end with Going Missing. One last banger, one last leap from the drums. Maxïmo Park have played the percentages and won.
Nikulski Financial Inc. purchased a new position in shares of Palantir Technologies Inc. (NASDAQ:PLTR - Free Report) in the third quarter, according to its most recent disclosure with the Securities and Exchange Commission. The fund purchased 4,207 shares of the company's stock, valued at approximately $767,000. A number of other hedge funds and other institutional investors also recently added to...
Nikulski Financial Inc. purchased a new position in shares of Palantir Technologies Inc. (NASDAQ:PLTR - Free Report) in the third quarter, according to its most recent disclosure with the Securities and Exchange Commission. The fund purchased 4,207 shares of the company's stock, valued at approximately $767,000. A number of other hedge funds and other institutional investors also recently added to or reduced their stakes in the company. Financial Consulate Inc. purchased a new stake in shares of Palantir Technologies in the third quarter worth approximately $30,000. Retirement Wealth Solutions LLC bought a new position in Palantir Technologies in the 3rd quarter valued at $31,000. Flagship Wealth Advisors LLC bought a new position in Palantir Technologies in the 3rd quarter valued at $32,000. Marquette Asset Management LLC purchased a new stake in Palantir Technologies in the third quarter worth $34,000. Finally, Millstone Evans Group LLC lifted its position in shares of Palantir Technologies by 98.0% during the third quarter. Millstone Evans Group LLC now owns 198 shares of the company's stock worth $36,000 after purchasing an additional 98 shares during the last quarter. 45.65% of the stock is owned by hedge funds and other institutional investors. Get Palantir Technologies alerts: Sign Up Palantir Technologies Stock Performance Palantir Technologies stock opened at $135.90 on Friday. Palantir Technologies Inc. has a fifty-two week low of $66.12 and a fifty-two week high of $207.52. The business's 50-day simple moving average is $173.84 and its two-hundred day simple moving average is $173.25. The company has a market cap of $323.91 billion, a PE ratio of 215.72, a PEG ratio of 2.61 and a beta of 1.64. Palantir Technologies (NASDAQ:PLTR - Get Free Report) last released its quarterly earnings data on Monday, February 2nd. The company reported $0.25 EPS for the quarter, beating the consensus estimate of $0.23 by $0.02. The business had revenue of $1.41 billion for t...
Maximusnd/iStock via Getty Images The following segment was excerpted from the Heartland Mid Cap Value Strategy Q4 2025 Commentary. Industrials. One area of encouragement is Industrials where J.B. Hunt Transport Services ( JBHT ) was our top contributor in the sector and for our portfolio in the quarter. J.B. Hunt, which falls into the Deep Value bucket, is a diversified transportation company foc...
Maximusnd/iStock via Getty Images The following segment was excerpted from the Heartland Mid Cap Value Strategy Q4 2025 Commentary. Industrials. One area of encouragement is Industrials where J.B. Hunt Transport Services ( JBHT ) was our top contributor in the sector and for our portfolio in the quarter. J.B. Hunt, which falls into the Deep Value bucket, is a diversified transportation company focusing on intermodal shipping. Customers hire Hunt to move freight using different methods of transportation to reduce cost. The company owns the largest fleet of 53-foot shipping containers, which allow for three ocean-freight shipping units to be consolidated into two Hunt containers that can then be moved by rail and company-owned trucks. Hunt’s “mode agnostic” approach sets it apart from the competition, as does its size. JBHT’s intermodal business is roughly twice as big as the next largest competitor, resulting in a scale and cost advantage that has produced high returns on capital and better prices for customers. In recent years, the freight market has been put through the wringer, as supply chains during and after the pandemic experienced a tremendous amount of volatility. In Q3, however, Hunt beat analysts’ forecasts, owing to recent actions to reduce costs. Management’s focus on improving areas that they can control seems to be working, as operating margins for JBHT’s intermodal segment expanded by 100 basis points year over year, despite fewer loads shipped in the quarter. While managing through a freight recession, cash flow generation remains strong, the company’s balance sheet is in fantastic shape with a leverage ratio of less than 1x, and management has been aggressively repurchasing company stock below our view of intrinsic value. In 2025, the company bought back more than 5% of the shares outstanding. JBHT currently trades at 11.8 times consensus next 12-month EV/EBITDA, which represents a 25% discount to the Industrial sector. Earnings expectations over th...
CentralITAlliance/iStock via Getty Images Introduction The last time I covered Brandywine Realty Trust ( BDN ), I highlighted that they offered a compelling recovery opportunity following the crash in recent years, while the management is actively working on potential turnaround measures and improving their financials. With a solid report released recently and the company advancing on their plans ...
CentralITAlliance/iStock via Getty Images Introduction The last time I covered Brandywine Realty Trust ( BDN ), I highlighted that they offered a compelling recovery opportunity following the crash in recent years, while the management is actively working on potential turnaround measures and improving their financials. With a solid report released recently and the company advancing on their plans to improve their balance sheet, I believe BDN still offers a turnaround opportunity, with both internal potential once they take care of their 2027 debt “wall” and external one from the industry’s recovery alongside the economy. Internal Developments Brandywine Realty Trust IR The company’s Q4 report was solid overall, with the FFO being in line with the market’s estimates and a slight beat on revenue, but even more impressive is that leasing is going up well, they're now buying back preferred partners’ equity in a couple of joint ventures, and overall advancing in a good direction, with the company's CEO mentioning the following during their Q4 Earnings Call , similar to what I expected in the previous coverage following a transition year: Our 2026 business plan can really be summarized as a return to earnings growth, a continuation of solid operating results, continued crisp focus on stabilizing One Uptown and 3151, an accelerated sales program to both pay down debt and further refine our portfolio with corresponding balance sheet improvements. Brandywine Realty Trust IR As for the guidance, they see an FFO per diluted share between $0.51 and $0.59, which takes into account quite significant portfolio adjustments, as they now expect to sell between $280 million and $300 million worth of properties while spending zero on acquisition, considering repurchasing shares alongside bonds, based on the sales activity, expecting the following: As outlined above, our 2026 capital plan has more activity than 2025 and will approximate $475 million. Our CAD payout ratio will range betw...
Intuitive Surgical's flagship product helps surgeons with a broad range of procedures. You may have come in close contact with Intuitive Surgical (ISRG +2.55%) if you've ever had hernia repair, gallbladder surgery, or other minimally invasive surgeries. The company's flagship Da Vinci surgical robot helps surgeons perform many procedures across the general surgery spectrum and extends into special...
Intuitive Surgical's flagship product helps surgeons with a broad range of procedures. You may have come in close contact with Intuitive Surgical (ISRG +2.55%) if you've ever had hernia repair, gallbladder surgery, or other minimally invasive surgeries. The company's flagship Da Vinci surgical robot helps surgeons perform many procedures across the general surgery spectrum and extends into specialty areas -- from gynecology to urology. Intuitive Surgical is the worldwide leader in robotic surgery, and this has helped the company build a long track record of earnings growth and stock market performance. This is great -- but there is one reason in particular I'd buy Intuitive Surgical stock and never sell. Let's check it out. Several Da Vinci options First, though, a quick look at this robotic surgery specialist's path so far. The company offers surgeons four versions of the Da Vinci, ranging from the value-focused Da Vinci X to the latest release, the Da Vinci 5. This newest offering features more than 150 design innovations and allows for greater surgeon autonomy and improvements in workflows. The company has a solid moat, or competitive advantage: Most surgeons train on the Da Vinci, so it's very likely they will continue favoring this platform that they know well. On top of this, hospitals, after investing often millions of dollars in a surgical robot, aim to amortize the investment. So they, too, probably won't search for opportunities to switch. As mentioned, Intuitive Surgical has proven its strength over time, with gains in earnings and growth in the placement of systems. In the most recent quarter, the momentum continued as the company grew its installed base of systems by 12% to more than 11,000 year over year. Revenue climbed 19% to more than $2.8 billion, and procedure growth increased 18%. The company also increased net income 16% to $794 million. A revenue stream you can count on All of this is fantastic, but here's the one reason in particular I would b...
Key Takeaway Living on $4,000 a year only works when your biggest cost—housing—is paid by someone else. Extreme frugality can look like financial independence, but without flexibility, it collapses fast when life changes. A Reddit post recently posed a question about a relative taking extreme FIRE (Financial Independence, Retire Early) measures: "Is my 'broke' brother a genius or a deadbeat?" The ...
Key Takeaway Living on $4,000 a year only works when your biggest cost—housing—is paid by someone else. Extreme frugality can look like financial independence, but without flexibility, it collapses fast when life changes. A Reddit post recently posed a question about a relative taking extreme FIRE (Financial Independence, Retire Early) measures: "Is my 'broke' brother a genius or a deadbeat?" The brother in question is said to be 38, doesn't work, and lives on about $4,000 a year, about $333 a month, or $11 a day: He eats on a $100 [per month] budget. He doesn't have a phone plan. He pays for car insurance for his Tesla, and that's about it. He doesn't have any other subscriptions either. Right now he just takes turns living with different family members and helping out with kids. ... His goal seems to be to not work another day in his life. The twist in the post is that the brother isn't facing dire financial issues. Instead, according to the poster, he's sitting on about $500,000 in publicly traded investments, built from investment wins he had when he was younger. At even a conservative 3.25% withdrawal rate—the number economists recommend for someone retiring decades before 65—that portfolio could safely generate around $16,000 a year for 50-plus years. But he's pulling out barely a quarter of that. Is there any wisdom in this? The Shock Factor: $4K a Year? The reason $4K can work at all for this brother is that his single biggest expense, housing, is covered entirely by family members. Remove that subsidy—a family falling-out or someone needing to move—and the budget collapses overnight. Strip out rent or a mortgage, and $4,000 a year suddenly only has to cover food, transportation, and whatever slips through the cracks. A $100-a-month grocery budget—built on bulk staples and zero dining out — handles the first. A paid-off Tesla with insurance covers the second. No phone plan and no subscriptions help. But what's left is a survival budget that only holds togeth...
In early February 2026, Palantir Technologies reported past fourth-quarter and full-year 2025 results showing sharply higher revenue and net income, issued optimistic 2026 guidance, and was highlighted for rapid adoption of its Artificial Intelligence Platform across U.S. government and commercial clients. Separately, Cognizant announced a recent partnership to embed Palantir Foundry and AIP into ...
In early February 2026, Palantir Technologies reported past fourth-quarter and full-year 2025 results showing sharply higher revenue and net income, issued optimistic 2026 guidance, and was highlighted for rapid adoption of its Artificial Intelligence Platform across U.S. government and commercial clients. Separately, Cognizant announced a recent partnership to embed Palantir Foundry and AIP into its TriZetto healthcare business, underscoring Palantir’s push into complex, highly regulated industries alongside long-term government contracts. Against this backdrop, we’ll examine how Palantir’s AI-driven contract momentum and Cognizant partnership shape the company’s evolving investment narrative. Outshine the giants: these 30 early-stage AI stocks could fund your retirement. What Is Palantir Technologies' Investment Narrative? To own Palantir today, you have to believe its AI platforms can remain mission‑critical for governments and large enterprises while justifying a premium valuation. The latest quarter, with sharply higher revenue, margins and full‑year 2026 guidance, reinforces that story, as does the Cognizant deal, which plugs Palantir’s Foundry and AIP into TriZetto’s healthcare stack and could turn into a repeatable template for complex, regulated industries. In the near term, key catalysts still revolve around converting its record contract value into cash flow and deepening U.S. commercial and defense relationships; the Cognizant partnership fits neatly into that contract‑driven momentum rather than redefining it. The bigger swing factor remains whether growth and profitability can keep pace with expectations at a time when the share price already embeds a lot of optimism and the stock has been highly volatile. But the premium pricing of the shares is a risk investors should not ignore. Palantir Technologies' share price has been on the slide but might be up to 31% below fair value. Find out if it's a bargain. Exploring Other Perspectives PLTR 1-Year Stock ...
This nuclear energy ETF isn't grabbing many headlines, but it's beating its rivals, cementing its hidden gem status. Proud Gen Xers (I'm one) and our parents remember a time when nuclear energy was, well, radioactive. The Cold War and the Chernobyl disaster, among other factors, fostered negative perspectives about atomic power. Times change, and investors need to roll with those punches or risk m...
This nuclear energy ETF isn't grabbing many headlines, but it's beating its rivals, cementing its hidden gem status. Proud Gen Xers (I'm one) and our parents remember a time when nuclear energy was, well, radioactive. The Cold War and the Chernobyl disaster, among other factors, fostered negative perspectives about atomic power. Times change, and investors need to roll with those punches or risk missing out on potential gains. These days, the phrase "nuclear renaissance" is arguably overused. Still, it rings true because nuclear is not only considered clean energy, but it's also a key ingredient in the foundation of the artificial intelligence (AI) boom. Leave it to the always-inventive exchange-traded funds (ETFs) industry to bring nuclear energy investing to the masses. Today, there are nearly 10 dedicated nuclear or uranium miner ETFs on the market, one of which is the Range Nuclear Renaissance Index ETF (NUKZ +5.03%). Apt ticker, significant returns From a marketing standpoint, this ETF got things right with a memorable ticker, but there's much more to the story. After all, a cute ticker doesn't explain why an ETF that's barely more than 2 years old has more than $808 million in assets under management (AUM). To be sure, that's an impressive tally, especially given that it isn't an ETF tied to a behemoth issuer. Fortunately, the Range ETF is rewarding investors' faith as it has easily outpaced several of its more popular rivals. Knowing that an ETF is outperforming its peers is only half the battle. Understanding how and why that upside is being generated is even more critical. In the case of the Range ETF, it's an index fund, so active management isn't the explanation, but the composition of the Range Nuclear Renaissance index sheds some light on why this ETF is delivering the goods for investors. This ETF's advantages shine through at the sector level. While the fund is significantly overweight on energy stocks (13.20%) relative to the category average (2.14%)...