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Why Taking Out a HELOC to Invest Is a Risky Game

The essay critiques the use of HELOCs, highlighting the risks of losing one's home, facing variable interest rates, and accumulating unmanageable debt. It emphasizes that relying on HELOCs for investments or emergencies can lead to financial stress and suggests prioritizing debt-free living over leveraging home equity.
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Informa (IFJPY) Just Got a Fresh Buy Signal - Here's What You Need to Know
Panmure Gordon doubled down on Informa plc depositary receipts with a Buy rating this week, and the numbers are catching eyes. Analysts are pricing in a 41% upside from current levels ($20.66), with price targets ranging from $25.61 to $34.20.
What's moving the needle? The revenue outlook took a hit—projected to drop 23.36% annually—but that's already baked into analyst expectations. The projected non-GAAP EPS sits at $0.45.
On the institutional side, things are getting interesting. Only 5 funds are holding positions no
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Ackman learns from Buffett's strategy: 45% of the $14 billion fund is invested in 3 tech stocks

Hedge fund pro Bill Ackman actively invests in high-tech companies through his Pershing Square Capital, taking a Heavy Position in Uber, Google, and Amazon, reflecting a value investment strategy. He believes that although these companies have already risen, they still possess growth potential and reasonable valuations.
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Palo Alto Networks: Steady performance but stagnant stock price, should I enter a position now or wait?

Palo Alto Networks announced its Q1 financial report, with revenue rising 16% to $2.47 billion, exceeding expectations. Adjusted EPS increased by 19% year-over-year. The company announced the acquisition of the observability platform Chronosphere, shifting towards being an industry consolidator. However, due to high valuations, the stock price did not see a pump, and analysts maintain a cautious outlook for the future.
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# Where is the income line for the middle and upper class in the United States set in 2026?
Want to know which class you belong to? It mainly depends on income. According to the latest data, **the income range for the upper middle class in the U.S. in 2026 is approximately $117,000 to $150,000 per year**, with some cities possibly going as high as $250,000. However, this number can vary greatly due to regional differences.
For example, in Mississippi, a household income of $85,000 to $110,000 is considered upper middle class; but in Maryland, you need at least $158,000. The large difference m
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The Upper-Middle Class Income Reality Check for 2026

Determining one's wealth bracket is complex, influenced by income, location, and government policies. Median household income is $74,580, but upper-middle class varies significantly by state. With rising inflation, income thresholds for class definitions may increase, affecting household budgets.
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Johnson & Johnson has something going on this time. Since November, the stock price has risen over 7%, driven by two core factors:
**1. Q3 Financial Report Discredits Bears**
Sales reached $2.4 billion, a quarter-on-quarter increase of 7%, exceeding Wall Street expectations. Adjusted EPS soared, up 15.7% year-on-year to $2.80, 3 cents higher than market expectations. The management also raised the revenue guidance for 2025 to a growth of 5.7%—this reflects market confidence.
**II. 33 billion RMB invested in the oncology track**
On November 17, J&J announced the acquisition of biotechnology com
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Gold mining companies in trouble: Can focusing on high-end mines turn the tide?

Newmont Corporation's gold production in the third quarter decreased by 15% year-on-year due to strategic downsizing, with an annual expectation of 5.9 million ounces and a further decline expected in the fourth quarter. Its peer Barrick Gold also faced a decrease in production, while Agnico Eagle Mines continued to advance steadily. Despite Newmont's stock price rising, the risk of declining production still requires follow-up, and the market's confidence in its transformation strategy remains intact.
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MTU Aero Engines (MTUAY) is flashing a bullish signal after forming a hammer candlestick pattern in recent trading, despite being down 10.7% over the past month. Here's what traders should watch:
**The Technical Setup**: A hammer pattern forms when a stock finds support after selling pressure, with a long lower wick and closing price near the open. If it holds, this typically signals potential trend reversal.
**Fundamentals Back the Call**: Wall Street analysts have been raising earnings estimates—the consensus EPS for the current year jumped 0.9% in the last 30 days, suggesting better-than-ex
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Why Smart Investors Use Enterprise Value Instead of Market Cap

The essay explains the concept of enterprise value (EV) in company acquisitions, highlighting its importance beyond market cap by considering debt and cash. It emphasizes how EV can provide a clearer financial picture when comparing companies, particularly through ratios like EV/EBITDA, while cautioning that it doesn't assess the management of debt. Always compare EV against industry averages for accurate context.
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MELI (MercadoLibre) is actually a wild case study in how stock markets work. Over the past decade, this Latin American e-commerce + fintech giant delivered 32% annualized returns—basically the 35th best performer among mega-cap stocks. Revenue exploded nearly 4,000% in 10 years.
Here's the interesting part: the company did something most growth stocks fail at. It grew revenue AND maintained decent profit margins (around 10% now, after dipping when they scaled logistics). That's the secret sauce.
Yes, MELI is down over the past year. But the fundamentals haven't broken—still growing revenue at
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**How many billionaires are there in the United States? The data will shock you**
Scrolling through Xiaohongshu to see the daily lives of the wealthy, it feels like they are everywhere. But the truth is: in the U.S. in 2023, there are only 735 billionaires. However, there are many millionaires - nearly 22 million.
What does this mean? 40% of the world's millionaires are in the United States. Your next-door neighbor might be one, they just keep a low profile.
**What about those celebrity influencers?**
- Dwayne Johnson: 800 million USD
- Dolly Parton: $650 million
- Jennifer Lopez: 400 mill
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Cocoa prices just took a hit—down 0.62% in NY and 1.47% in London after Trump announced cutting tariffs on non-US commodities. But here's the catch: Brazilian cocoa still faces a 40% tariff.
Meanwhile, supply is tightening. Ivory Coast cocoa shipments dropped 5.7% YoY through mid-November, and Nigeria's projected output is falling 11% next season. ICE inventories hit a 7.75-month low at 1.77M bags.
Demand side? Rough. Asia's Q3 cocoa grindings fell 17% YoY (9-year low), Europe down 4.8% (10-year low). Hershey saw disappointing chocolate sales this Halloween. North American chocolate candy volu
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ETF 101: Why Smart Investors Are Ditching Individual Stocks

The popularity of ETFs stems from cost efficiency, flexibility in trading, and tax advantages. They come in various types based on assets and strategies. However, investors should be cautious of liquidity risks and tracking errors. The essence of ETFs is as a tool, requiring careful consideration before selection.
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6 Passive Income Plays in Crypto: What Actually Works in 2026

The essay discusses the evolving landscape of cryptocurrency investments in 2026, focusing on generating yield through staking, lending, and yield farming, while cautioning against high-risk strategies. It emphasizes the need for informed decision-making and risk monitoring in pursuing passive income.
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ETH-0.28%
SOL0.32%
DOT0.73%
RPL-0.98%
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The Truth About Short Selling: It's Actually Good for Markets

Short selling has a bad rap, but here's what the data actually shows: it's mostly done by market makers and traders keeping markets efficient, not villains tanking stocks.
Who's actually shorting?
Turn out the big players doing shorts aren't hedge funds betting against companies—they're
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Getting rich by saving money isn't that simple: 5 realities you need to accept

Wealth accumulation is a long-term process with no shortcuts. Frequent trading undermines returns, and economic crises are actually the best investment opportunities. At the same time, emotions interfere with consumption decisions, and many people lack financial knowledge; the best choice is to leave it to professionals to manage.
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BTC1.34%
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Fed Rate Cut Bets Push Dollar Down, Gold Up

The dollar index fell 0.35% due to softer US economic data, raising speculation for December rate cuts. Retail sales and core producer prices missed forecasts, lowering Treasury yields. Market expectations for a Fed cut increased while the EUR/USD and precious metals rose amid safe-haven demand.
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Why High Earners Still Struggle With Money (And What Actually Works)

The essay discusses how many high-income earners struggle with financial management due to lifestyle inflation and poor spending habits. Key points include understanding personal financial goals, prioritizing debt repayment, distinguishing wants from needs, setting small achievable savings goals, and the importance of maintaining discipline. Ultimately, it emphasizes that high income and low savings are issues of execution and habit change.
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