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Creating and following a budget is hard for most people. But it can be particularly challenging for single parents. Between housing, groceries, childcare, transportation, and all the unexpected costs that come with raising kids, there may not be much room for error.
Plus, the burnout you experience from solo parenting might lead to bad financial decisions and neglected money management.
But a realistic budget can help you make the most of your income, prepare for surprise expenses, and make steady progress toward your financial goals. As a financial educator and former NFCC-certified credit counselor, these are my tips for managing your budget as a single parent.
The starting point for creating a budget is to pinpoint your monthly income and total monthly expenses. It's normal for both of these figures to vary, so I recommend looking for your monthly averages. If your income varies by a lot, use the most conservative figure you expect to earn.

#financial #monthly #single

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The U.S. Bank Triple Cash Rewards Visa® Business Card offers 3% rewards on some regular business expenses. Combined with no annual fee and an introductory APR, this card can be a solid choice for small business owners.
The U.S. Bank Triple Cash Rewards Visa Business doesn't have the most robust list of benefits, but business owners can get a couple of extra perks:
$100 annual credit: Get a credit each year for recurring software expenses, such as FreshBooks and QuickBooks. You'll get the statement credit automatically after 11 months of consecutive purchases of eligible software.

#bank #Visa #offers #expenses

Interested in Grabagun Digital Holdings Inc.? Here are five stocks we like better.
Revenue and gross margin improved: Second-quarter revenue rose 9.4% to $23.2 million, while gross profit increased 39% to $3.1 million and gross margin expanded to 13.5%. Growth was driven by higher-priced firearms, larger customer orders, pricing optimization and favorable product mix.
Profitability remained pressured by investment costs: Operating expenses climbed to $5.7 million due to public-company costs, PEW Logistics investments and added infrastructure, resulting in a $1.8 million net loss and $1.7 million adjusted EBITDA loss.
PEW Logistics is expanding, while leadership changes: The platform processed more than $1.9 million in gross merchandise value and added Backwoods Suppressors as its third manufacturer partner. CFO and co-founder Justin Hilty plans to retire and will be succeeded by Jonathan Terry, formerly of YETI.
Grabagun Digital (NYSE:PEW) reported second-quarter revenue growth and a sharp improvement in gross margin as higher-priced firearms sales, pricing initiatives and product mix supported profitability at the gross-profit level. The company also highlighted early progress at its PEW Logistics platform and announced a planned chief financial officer transition.

#million #Margin #digital

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There's no doubt about it: Evaluating Medicare's alphabet soup of coverage options is challenging. There are Parts A, B and D to consider, plus the Advantage route and the opportunity to source supplemental coverage via Medigap plans, each with its own pricing and coverage dynamics to consider. It's no wonder 75% of survey respondents said selecting coverage was a confusing and frustrating process, according to eHealth, an online health insurance marketplace.
Despite the challenge, Medicare claiming must be part of the broader retirement planning process because of the significant impact healthcare costs can have on a client's monthly cash flow, said Whitney Stidom, vice president of consumer enablement at the company. One key decision every retiree must make is whether to go with the all-in-one simplicity of Medicare Advantage or opt for the traditional Medicare route with a Medigap supplement.
Both options have merit, Stidom told Retirement Upside, but the right coverage depends on individual factors such as the client's health, anticipated medical needs, preferred care providers, travel habits, retirement income and comfort with unpredictable expenses.
Sign up for The Daily Upside at no cost for premium ***** ysis on all your favorite stocks.

#medicare #Retirement

AbbVie Inc. (NYSE:ABBV) reported its first-quarter 2026 financial results, delivering worldwide net revenues of $15.002 billion, an increase of 12.4% on a reported basis (10.3% operationally). The company posted GAAP diluted EPS of $0.39 and adjusted diluted EPS of $2.65, which exceeded internal expectations despite including a $0.41 per share unfavorable impact from acquired IPR&D and milestone expenses. Grounded in this solid operational momentum, ABBV raised its full-year 2026 adjusted diluted EPS guidance range to $14.08–$14.28.
Adding to its commercial trajectory, AbbVie's Allergan Aesthetics announced on July 17 that the European Commission approved Boey (trenibotulinumtoxinE) across all 30 European Economic Area countries. Marked as the first and only rapid-onset, short-duration botulinum neurotoxin serotype E in Europe, Boey targets the temporary improvement of moderate to severe frown lines with an onset as fast as eight hours and results lasting two to three weeks. This regulatory milestone follows approval in Canada earlier in the year and expands AbbVie's high-margin aesthetic portfolio beyond traditional Botox offerings.
Following these catalysts, Wall Street **** yst revisions have turned increasingly positive. On July 22, Canaccord raised its price target on AbbVie to $282 from $273 while maintaining a Buy rating. The firm updated its financial model ahead of Q2 earnings, citing expected strength across core prescription volume trends and recent positive developmental wins.
This momentum brings up a pivotal question: Does AbbVie's successful pivot away from legacy reliance justify higher valuation multiples, or do long-term debt levels and margin pressures cap future upside?
Proponents of the bullish case emphasize AbbVie Inc. (NYSE:ABBV)'s high-performing post-Humira growth engine. Top-line expansion is overwhelmingly driven by its flagship immunology **** ets, Skyrizi and Rinvoq, which generated $4.483 billion (+30.9% reported) and $2.119 billion (+23.3% reported) in Q1 net revenues, respectively. Rapid, durable share gains across multiple indication rollouts highlight a strong product-market fit that effectively absorbs legacy biosimilar erosion.

#diluted

Our ******* ysts just identified a stock with the potential to be the next Nvidia. Tell us how you invest and we'll show you why it's our #1 pick. Tap here.
Management attributed the revenue decline to significant headwinds in traditional advertising monetization, despite stable audience consumption levels.
The company is executing a 'remodeling the house while living in it' strategy, incurring higher operating expenses to build out digital infrastructure and sales leadership.
A strategic shift toward a 'blended digital strategy'—combining radio with search, SEO, and social—drove a 76.4% increase in blended digital revenue for the first half of the year.
Management emphasized a return to in-house search tools and specialized digital fulfillment teams to improve speed-to-market and campaign optimization.

#revenue #strategy

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If there's a fire in your apartment, renters insurance can help replace any damaged items. It may also help pay for smoke-damaged items, temporary hotel stays, and certain expenses if you can't live in your rental while it's being repaired.
The biggest thing to know is that renters insurance covers your stuff, but not the building itself. So your couch, clothes, laptop, mattress, and dishes may fall under your policy, but the walls, floors, roof, and built-in appliances likely fall under your landlord's insurance.
Depending on your policy, fire damage may trigger several different parts of your renters insurance coverage at the same time.
Personal property coverage helps pay to repair or replace any items you own that were damaged as a result of a covered fire.

#insurance #policy #coverage

During the August 6 episode of Mad Money, Jim Cramer focused on the shifting trajectory of Akamai Technologies, Inc. (NASDAQ:AKAM), as he said:
Look at this incredible move in the stock of Akamai Technologies. Over the past few years, this company's evolved from a simple content delivery network- I used to call it the fast lane on the internet superhighway- into more of a cybersecurity and cloud infrastructure business, fast growing. Going into the close, Akamai was already up more than 35% for the year. Then they reported basically in-line revenue, slightly better-than-expected earnings, mixed outlook, current quarter trimmed, full-year forecast down just a tad. Initially, the stock got slammed, but then it caught fire, I think, because Akamai reported a big cloud infrastructure win in the robotic ***** e.
Akamai Technologies, Inc. (NASDAQ:AKAM) reported second-quarter revenue of $1.1 billion, marking a 5% year-over-year increase. Non-GAAP diluted earnings per share reached $1.59, beating consensus estimates, while GAAP diluted earnings per share landed at $0.52 due to rising investment expenses. Segment results showed security revenue climbing 10% to $604 million and cloud infrastructure services surging 39% to $99 million. Meanwhile, legacy delivery revenue contracted 6% to $396 million.
Investor attention quickly shifted to a multi-year customer commitment valued over $600 million for cloud infrastructure powering robotic workloads. During the earnings call, Chief Executive Officer Tom Leighton noted that graphics processing unit capacity remains entirely sold out, while Chief Financial Officer Ed McGowan highlighted that total multi-year cloud commitments signed year-to-date have surpassed $2.8 billion. Management guided full-year revenue between $4.445 billion and $4.530 billion, with capital expenditures remaining elevated at roughly 40% of revenue to support infrastructure scaling.
Despite artificial intelligence growth tailwinds, professional ***** ysts flagged heavy capital intensity and margin compression risks. Highlighting these structural cost pressures, on August 10, HSBC downgraded the stock to a Hold rating and cut its price target to $123, pointing to compressed operating margins and temporary pauses in share repurchases.

#technologies #billion

BNSF Railway reported higher second-quarter, pre-tax earnings thanks to a combination of volume growth and higher revenue per load, parent company Berkshire Hathaway (NYSE: BRK-B) reported on Saturday.
BNSF's pre-tax earnings rose 13.9%, to $2.06 billion, as revenue increased 14.6%, to $6.56 billion. The railway's operating expenses increased 15.6% compared to a year ago, as fuel costs surged 68%. BNSF's operating ratio was 65.4%, an 0.6-point increase.
Quarterly volume rose 6.5%, while average revenue per unit increased 7.6%, primarily from higher fuel surcharge revenue.
Consumer products volume, which includes intermodal and automotive traffic, grew 9.3%. Berkshire said the volume growth was due to "higher intermodal shipments resulting from higher West Coast imports, market share gains, and tightening truck capacity."
Agricultural and energy products traffic was up 11.5% for the quarter. "The volume increases were primarily due to higher grain exports, petroleum fuels and oilseeds and meals," Berkshire reported.

#increased #quarter

Wall Street has been fretting over a potential AI bubble burst and whether huge AI spending by companies would ever pay off. But Cathie Wood is doubling down. Ark recently bought 80,000 shares of Nvidia (NASDAQ:NVDA) across five funds. Ark also decreased its stake in Roblox (NYSE: RBLX).
Nvidia bears say AI infrastructure spending is running too hot and will eventually slow. That will directly impact Nvidia as its GPU sales will slow down.
Bulls say that fear misses the point. Nvidia's data center networking revenue jumped nearly 200% year over year last quarter. That shows Nvidia is capturing value beyond the GPU itself, through racks, interconnects, and software. Roughly half of data center revenue now comes from AI cloud, industrial, enterprise, and sovereign customers rather than the handful of hyperscalers everyone watches closely. Combined, Meta, Amazon, Microsoft, and Alphabet plan to spend up to $725 billion this year, up 77% year over year, and Nvidia is positioned to capture 35% to 40% of that.
The bear case is about the balance sheet, not the growth rate. Nvidia's inventories more than doubled year over year, and prepaid expenses grew over 40%, as the company locks up more supply commitments to protect delivery timelines. Three customers make up 30%, 18%, and 16% of Nvidia's accounts receivable, so any shift by a major buyer toward custom chips would hit hard. Non-marketable securities, mostly stakes in AI startups and infrastructure partners, now make up 17% of Nvidia's total ****** ets.
Cathie Wood of ARK Investment Management

#year #NVIDIA #spending #infrastructure

What happened: Hims & Hers Health (HIMS) stock declined 3% before trimming losses on Tuesday.
What's behind the move: Shares were volatile after the telehealth company swung to a loss of $0.37 per share in the second quarter from a profit of $0.17 a share in the year-earlier period.
Gross margins in the second quarter were 64%, down from 76% in the year-earlier period.
The results were impacted by a one-time cost of $81 million during the quarter, including expenses related to the acquisition of the Australian-based digital health company Eucalyptus. The expenses were also related to restructuring following Hims & Hers' shift in weight-loss strategy earlier this year, as well as legal reserves tied to recent litigation with the Federal Trade Commission.
What else you need to know: Hims & Hers Health stock has been recovering from a drawdown earlier this year, as regulatory and legal risks surrounding the manufacturing of compounded GLP-1 weight-loss drugs have weighed on shares.

#hims #earlier #Health #quarter

If you're in the market for some reliable and generous dividend income, consider Realty Income (NYSE: O). It's not only a dividend payer, recently sporting a dividend yield of 5.12%, but it's also a monthly dividend payer. (Most companies pay their dividends quarterly.) A monthly dividend can be especially attractive to anyone planning to live off of that income.
Missed Nvidia in 2009? This Rare Signal Is Flashing Again. In 2009, a "Double Down" signal flashed for a little-known chipmaker called Nvidia. For the first time in years, that same "Total Conviction" signal is flashing for a company 1/100th the size of Nvidia. Continue »
You can expect that dividend to grow. Realty Income's last increase, announced in June, was its 115th consecutive quarterly increase. It has paid its monthly dividend for more than 670 consecutive months -- or more than 55 years!
Realty Income is a real estate investment trust (REIT) -- a company that owns a lot of real estate and leases it to tenants. Better still, it employs "triple-net leases," which require tenants to cover real estate taxes, property insurance, and operating expenses. Its portfolio encompasses more than 15,500 properties in all 50 U.S. states and parts of Europe. It's well diversified, too, with more than 1,700 clients in more than 90 different industries. Top industries include grocery stores, convenience stores, and home improvement stores.
The company is run very well, which is evident from its portfolio occupancy level, which was recently 98.8% and has never been below 96%. That points to considerable stability and a rather dependable dividend. This is not a stock that's likely to surge in value, but it should be a reliable, long-term slow grower while delivering regular dollars into your account.

#NVIDIA #company #real #stores

It's time for a cost-of-living checkup.
Assessments of U.S. consumer prices, spending and sentiment are due this week—and they could shed light on whether improvements in June were significant enough to withstand geopolitical shocks.
The July Consumer Price Index reading will land Wednesday. The cost-of-living measure ticked down in June—before the U.S.-Iran ceasefire fell apart and fighting in the Middle East escalated. The conflict has curtailed oil shipments in the Hormuz and Bab el-Mandeb Straits, sending energy prices higher and putting upward pressure on other prices.
The CPI remains high by historic standards, as does the Producer Price Index, which tracks wholesale inflation. The July PPI reading is due Thursday; The index dipped in June after surging in May. Rising wholesale costs can be a sign that consumer prices will climb as businesses pass rising expenses along.
Retail and consumer sentiment data comes out Friday. Consumer spending increased slightly in June, and the public mood recently brightened a bit, according to the University of Michigan's Survey of Consumer Sentiment. Savings rates, however, hit a four-year low, and developments including chatter about an AI bubble and new tariffs may have shifted consumers' outlook.

#sentiment #rising

NEW YORK (AP) — Two drivers of Mercedes AMG cars have filed a class action lawsuit against the luxury car company, claiming that the AMG logo on their driver's seat gets so hot that it literally brands them and causes burns.
Gabriel Lahijani and Karendeep "Karina" Bath allege the front seats of certain Mercedes AMG vehicles have a design defect where the raised metallic AMG logo is "reasonably expected to contact an occupant's upper back, neck, or shoulder," according to the court document filed earlier this week in the U.S. District Court of California's Western division.
The plaintiffs want Mercedes to compensate them for any medical expenses, as well as any pain, suffering and emotional distress they can prove at trial. They also want Mercedes to pay for other owners to have the logo removed from their cars.
Mercedes-Benz couldn't be reached immediately for comment.
Lahigani, a Los Angeles resident, had leased a new 2026 Mercedes-AMG E-Class vehicle from an authorized Mercedes-Benz dealership in Los Angeles, according to the suit. He reported receiving second-degree burns on his back on May 31, after entering his vehicle wearing a tank top. A board-certified dermatologist subsequently documented first- and second-degree burns, describing the injury as "AMG inscribed."

#class

Trump's push for lower prices is creating a new challenge for retailers: balancing political pressure with rising costs, supplier relationships and margin protection.
President Donald Trump's campaign to lower consumer prices is creating a new challenge for retailers: how to respond to political pressure while managing the economic reality of rising costs.
From telling Walmart to "eat" the cost of tariffs to demanding lower petrol prices, Trump has increasingly sought to influence the prices consumers see at the checkout and the pump.
For retailers, the issue is not simply whether prices can be reduced. It is who ultimately absorbs the cost when expenses rise.
Tariffs, supply-chain pressures and higher input costs do not disappear because prices remain unchanged. The burden must be absorbed somewhere – by suppliers, retailers, consumers or a combination of all three.

#tariffs #political #rising

Benzinga and Yahoo Finance LLC may earn commission or revenue on some items through the links below.
One middle-class homeowner says they're perfectly happy staying in their two-bedroom home, even though their income could support something much larger. Family members keep encouraging them to upgrade, but they feel a bigger house would bring bigger bills and less financial freedom.
"I actually like where I live," the homeowner wrote on Reddit recently. They said a larger house would come with "a much bigger mortgage, higher maintenance, furnishing costs, and a lot less flexibility." Keeping monthly expenses low, they added, helps them "sleep better" than stretching for more square footage.
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Deloitte's #1 Fastest-Growing Software Company Lets Users Earn Money Just by Scrolling — Investors Can Still Get In at $0.52/Share

#bigger #much #family

On August 4, Tenable Holdings (NASDAQ:TENB) announced that it now covers every major AI platform and developer tool through its Tenable One platform, adding Google Gemini to a list that already included Anthropic Claude, OpenAI's ChatGPT Enterprise, and Microsoft Copilot. It is a bet that as companies rush to adopt AI, someone needs to watch where the risk is hiding, and Tenable wants to be the company holding that flashlight.
The scale of the problem Tenable is chasing is hard to ignore. The company said it detected 457 million AI-related security issues across more than 7,000 organizations, averaging 62,000 exposures per organization over 30 days. That is the kind of number that makes the case for exposure management on its own. Tenable One AI Exposure now extends discovery to every major LLM, all major Model Context Protocol deployments, and AI-native development tools like Cursor, Windsurf, and Trae, roughly doubling its coverage of sanctioned and shadow AI in one release. Beyond just finding the exposures, the platform lets security teams act on them directly, creating tickets in Jira or ServiceNow (NYSE:NOW), or firing off alerts through email, Slack, or Teams. That combination of visibility and Tenable's Hexa AI engine, which automates remediation tasks, is what the company is positioning as a full loop rather than another dashboard ****** ody checks.
The business results back up the demand story. Tenable One made up half of the company's new sales in the second quarter, evidence that customers are consolidating onto the full platform instead of buying individual point tools. Second-quarter revenue came in at $268.5 million, ahead of management's guided range of $263 million to $266 million, while operating expenses fell to $195.8 million from $200.3 million a year earlier. That combination flipped a $14.7 million net loss into a $3.8 million net profit, and adjusted profit jumped 40% to $57.9 million. The stock is up more than 40% in 2026 on the back of that improvement, yet Tenable's market capitalization of $3.6 billion is still a fraction of CrowdStrike Holdings (NASDAQ:CRWD) and Palo Alto Networks (NASDAQ:PANW), whose combined market cap tops $450 billion.
That gap shows up in valuation too. Tenable trades at a price-to-sales ratio of 3.7, well below its own historical average of 7.1 since going public in 2018, and far cheaper than Palo Alto Networks at 22.9 times sales or CrowdStrike at 38.1 times. But cheap multiples usually come with a reason attached. Tenable's revenue grew 8.6% year over year in the quarter, modest next to CrowdStrike's annual recurring revenue growth of 24% to $5.5 billion. Some of Tenable's profit turnaround came from cutting costs, including in growth-oriented areas like marketing, rather than from accelerating sales. That is a reasonable way to prove discipline, but it raises the question of whether faster growth is coming or whether the company is simply managing a slower-growth business more efficiently.

One company powers the world's creative output, while the other builds the high-speed digital highways that make modern artificial intelligence possible. Choosing between Adobe (NASDAQ:ADBE) and Arista Networks (NYSE:ANET) means weighing software stability against infrastructure growth.
Adobe provides the essential software suite for digital creators, while Arista dominates the high-performance networking equipment market for data centers. Both companies are pivotal to the artificial intelligence revolution, though they play very different roles. Investors can compare them to decide whether to prioritize established software platforms or the hardware infrastructure powering the cloud.
Adobe is a ****** an among tech stocks, providing essential tools for digital creation, document management, and marketing ****** ytics. Its recent acquisitions of Semrush and Topaz Labs aim to boost AI-driven content marketing and image enhancement capabilities. These strategic moves help the company serve a massive base of 50 million Behance community members and global enterprise clients.
In its 2025 fiscal year (FY), revenue reached $23.8 billion, representing 10.5% growth over the previous year. The company reported net income of $7.1 billion for the same period. This resulted in a net margin of 30%, which measures the portion of revenue that remains as profit after all expenses are paid.
As of its November 2025 balance sheet, the debt-to-equity ratio was 0.6x. This metric shows the relationship between total debt and shareholder equity, indicating a manageable level of leverage. The current ratio of 1.0x shows the company can meet its immediate financial obligations, while free cash flow reached $9.9 billion for the year, which is the cash a business has left after paying for operating costs and equipment.

#billion #arista #artificial

Gran Tierra Energy (TSE:GTE) reported second-quarter 2026 net income of $25 million, reversing a $119 million net loss in the prior quarter, as stronger commodity prices, improved margins and lower operating costs supported results. The company also generated positive free cash flow while advancing portfolio changes in South America and Canada.
President and Chief Executive Officer Gary Guidry opened the call by addressing the company's announcement that it had entered into a definitive agreement to sell its oil businesses in Colombia and Ecuador. However, Guidry said contractual restrictions limited what Gran Tierra and the counterparties could disclose beyond their public announcements and filings.
→ No Hangover: Revisiting Microsoft One Week After Earnings
"We are not in a position to answer questions about the transaction on today's call," Guidry said, adding that further information would be provided as appropriate, including in materials for a special stockholder meeting to consider approval of the deal.
Executive Vice President and Chief Financial Officer Ryan Ellson said the company's second-quarter performance reflected stronger commodity prices and lower total operating expenses. Adjusted EBITDA totaled $85 million, compared with $74 million in the first quarter and $77 million a year earlier.

#quarter

Generating $132,000 annually requires vastly different capital depending on strategy: $3.77M with DGRO/VYM, $2.2M blended, or just $1.1M using SPYI's 12% yield.
A 3% dividend growing 8% annually doubles income in nine years, eventually outpacing a flat 12% yield by year 15.
The couple's true income replacement need may be closer to $95,000 once payroll taxes and work expenses disappear, meaningfully lowering required capital.
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Eleven thousand dollars a month works out to $132,000 a year. That is roughly what a dual-earner professional household in a mid cost of living metro spends after paying off the mortgage, and it is the number a 58-year-old couple staring down retirement in the next few years has to solve for. The real question is how much capital each of them demands to produce that check, and what the couple gives up at every yield level.

#capital #annually #years

The artificial intelligence revolution offers two distinct paths, software or the hardware that powers it. Choosing between C3.ai (NYSE:AI) and Applied Digital (NASDAQ:APLD) depends on your appetite for risk.
C3.ai specializes in providing enterprise-grade software that helps businesses deploy AI at scale. Applied Digital focuses on the physical side, building the high-performance data centers needed for intensive computing. While both companies aim to capitalize on the AI boom, they operate in different niches, offering unique risk profiles for investors.
C3.ai operates among tech stocks by selling the C3 Agentic AI Platform to help large organizations deploy artificial intelligence applications. The company relies on strategic partnerships with major names, such as Baker Hughes and Microsoft, to serve as sales channels to reach global industrial and cloud customers. Customer concentration like this adds a layer of risk to the business, as a handful of large contracts currently drive the majority of its total revenue.
In its 2026 fiscal year (FY) ended April 30, revenue reached $250.3 million, representing a decline of 35.7% compared to the previous fiscal year. This revenue drop occurred alongside a net loss of $470.4 million as the company navigated a major transition toward a consumption-based pricing model. The net margin, which measures the percentage of revenue remaining after all expenses are paid, was -187.9%.
As of its April 2026 balance sheet, the debt-to-equity ratio is zero, indicating the company carries no debt relative to its shareholder equity. The current ratio, which measures the ability to pay short-term debts, is 6.6x. Free cash flow was -$190.7 million, a figure representing the cash remaining after accounting for money spent on equipment and infrastructure.

#risk #company #artificial

Interested in The Wendy's Company? Here are five stocks we like better.
Wendy's reported weak second-quarter results: Global systemwide sales fell 6.5%, U.S. same-restaurant sales declined 7% as traffic dropped 12.5%, adjusted EBITDA decreased to $124.1 million, and adjusted EPS was $0.18.
New CEO Bob Wright said the brand's quality, value proposition, operations and marketing have deteriorated. Wendy's is developing a turnaround plan focused on menu quality and pricing, branding, restaurant execution, digital capabilities and franchisee economics.
The company withdrew its 2026 financial outlook and expects continued pressure on margins, EBITDA and earnings amid weak sales, 5%–6% commodity inflation and higher turnaround-related expenses. Leverage is expected to remain elevated, and Wendy's does not anticipate share repurchases in 2026.
2 Short Squeezes for Summer Speculation: What the Bears Are Getting Wrong

#sales #restaurant #interested #here

On August 4, Tenable Holdings (NASDAQ:TENB) announced that it now covers every major AI platform and developer tool through its Tenable One platform, adding Google Gemini to a list that already included Anthropic Claude, OpenAI's ChatGPT Enterprise, and Microsoft Copilot. It is a bet that as companies rush to adopt AI, someone needs to watch where the risk is hiding, and Tenable wants to be the company holding that flashlight.
The scale of the problem Tenable is chasing is hard to ignore. The company said it detected 457 million AI-related security issues across more than 7,000 organizations, averaging 62,000 exposures per organization over 30 days. That is the kind of number that makes the case for exposure management on its own. Tenable One AI Exposure now extends discovery to every major LLM, all major Model Context Protocol deployments, and AI-native development tools like Cursor, Windsurf, and Trae, roughly doubling its coverage of sanctioned and shadow AI in one release. Beyond just finding the exposures, the platform lets security teams act on them directly, creating tickets in Jira or ServiceNow (NYSE:NOW), or firing off alerts through email, Slack, or Teams. That combination of visibility and Tenable's Hexa AI engine, which automates remediation tasks, is what the company is positioning as a full loop rather than another dashboard ******* ody checks.
The business results back up the demand story. Tenable One made up half of the company's new sales in the second quarter, evidence that customers are consolidating onto the full platform instead of buying individual point tools. Second-quarter revenue came in at $268.5 million, ahead of management's guided range of $263 million to $266 million, while operating expenses fell to $195.8 million from $200.3 million a year earlier. That combination flipped a $14.7 million net loss into a $3.8 million net profit, and adjusted profit jumped 40% to $57.9 million. The stock is up more than 40% in 2026 on the back of that improvement, yet Tenable's market capitalization of $3.6 billion is still a fraction of CrowdStrike Holdings (NASDAQ:CRWD) and Palo Alto Networks (NASDAQ:PANW), whose combined market cap tops $450 billion.
That gap shows up in valuation too. Tenable trades at a price-to-sales ratio of 3.7, well below its own historical average of 7.1 since going public in 2018, and far cheaper than Palo Alto Networks at 22.9 times sales or CrowdStrike at 38.1 times. But cheap multiples usually come with a reason attached. Tenable's revenue grew 8.6% year over year in the quarter, modest next to CrowdStrike's annual recurring revenue growth of 24% to $5.5 billion. Some of Tenable's profit turnaround came from cutting costs, including in growth-oriented areas like marketing, rather than from accelerating sales. That is a reasonable way to prove discipline, but it raises the question of whether faster growth is coming or whether the company is simply managing a slower-growth business more efficiently

Circle Internet Group (NYSE:CRCL) shares rose around 7% in pre-market trading after the stablecoin issuer reported second-quarter results in line with expectations, secured the first federal bank charter granted to a stablecoin company and raised parts of its full-year outlook.
The company also announced that BlackRock, Visa and Mastercard will serve as validators for its upcoming blockchain network.
Circle reported second-quarter earnings of $0.18 per share, matching the Wall Street consensus estimate.
Total revenue and reserve income increased 7% year over year to $701 million. As no **** yst consensus was available for this metric, no beat or miss comparison could be made.
Net income from continuing operations reached $48 million, representing a year-over-year improvement of $530 million, largely reflecting lower stock-based compensation expenses following the company's initial public offering in the second quarter of 2025.

#quarter #stablecoin #company #consensus

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Aug. 5, 2026 8:19 am ET
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Shake Shack SHAK -5.50%
decrease; down pointing triangle
reported higher second-quarter sales, but profit slipped as operating expenses increased.

#listen #shack #triangle

Shares are down roughly a fifth over the past year, and the risk that matters now is a spending plan with no stated payback date.
Meta Platforms (META) has spent the past year losing an argument with its own shareholders. The business is not the problem: revenue grew 28% year over year in the second quarter of 2026. The problem is what that growth now costs to produce, and the biggest risk to the stock is that ***** ody has put a date on when the spending pays.
Where The Twenty-Eight Percent Goes
Total expenses climbed 55% to $42 billion in that quarter, and operating income went backwards, falling 8% to $18.8 billion on revenue of $60.8 billion. Legal charges of $2.4 billion and $1.2 billion of severance from the May 2026 head count reduction account for part of that, and both are one-off items. Strip them out, though, and management's own arithmetic still leaves operating income up only 9% against 28% revenue growth, because much of the durable pressure sits in the infrastructure line: higher depreciation, the cost of running data centers, and third-party cloud spend, all rising to serve a compute build that management itself calls a big bet.
The Cash The Build Is Eating

#year #spending

Greenskeeper ***** et Management, an independent firm that specializes in disciplined value investing, recently released its Q2 2026 scorecard. A copy is available to download here. After a slow start to the year, the Fund gained 10.9% in the quarter, lifting its year-to-date return to 1.9%. The rebound came as markets showed signs of rotating away from momentum stocks and toward companies supported by reasonable valuations. Please review the Fund's top five holdings to gain insights into their key selections for 2026.
In its second-quarter 2026 investor letter, Greenskeeper ***** et Management highlighted Elevance Health, Inc. (NYSE:ELV). Elevance Health, Inc. (NYSE:ELV) is a US-based health benefits company, which contributed to the portfolio's performance during the quarter. On August 03, 2026, Elevance Health, Inc. (NYSE:ELV) closed at $382.77 per share, reflecting a market capitalization of $81.54 billion. Elevance Health, Inc. (NYSE:ELV) posted a one-month return of -8.61%, while its shares gained 38.48% over the past 52 weeks.
Greenskeeper ***** et Management stated the following regarding Elevance Health, Inc. (NYSE:ELV) in its Q2 2026 investor letter:
"Elevance Health, Inc. (NYSE:ELV) was another strong contributor during the quarter, gaining 32.1%. Profitability has begun to turn the corner following a challenging period marked by elevated medical cost inflation across its government sponsored insurance plans. While medical utilization remains elevated, cost trends have stabilized into a more predictable pattern, and government reimbursement updates were more favorable than expected. We anticipate 2026 will mark the bottom for operating margins, with disciplined repricing and better alignment between premiums and medical expenses driving an earnings recovery in 2027. Our investment thesis remains grounded in the strength of ELV's commercial health insurance franchise, which continues to perform well and provides a durable foundation for the company's long-term earnings power."
Elevance Health, Inc. (NYSE:ELV) is not on our list of the 40 Most Popular Stocks Among Hedge Funds. As per our database, 87 hedge fund portfolios held Elevance Health, Inc. (NYSE:ELV) at the end of the first quarter which was 78 in the previous quarter. While we acknowledge the potential of Elevance Health, Inc. (NYSE:ELV) as an investment, we believe certain AI stocks offer greater upside potential and carry less downside risk. If you're looking for an extremely undervalued AI stock that also stands to benefit significantly from Trump-era tariffs and the onshoring trend, see our free report on the best short-term AI stock.

#Health #elevance #NYSE #fund

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This is the fashion turnaround equivalent of just losing weight and calling it fitness. Hugo Boss sold a lot less clothing last quarter and made more money on each piece it did sell, which is a genuine accomplishment and also precisely what a company says when it has stopped growing.
Second-quarter EBIT was €59 million, down from €81 million a year ago, against the €52 million ****** ysts had penciled in. Currency-adjusted sales fell 9% to €905 million, about where everyone expected them.
EMEA is the problem. Sales there fell 13% to €532 million, soft demand in Germany, the UK and France running into thinner store traffic across the Middle East. The Americas were down 1%. Asia-Pacific fell 5%.
Nearly everything else in the release read better. Gross margin rose 200 basis points to 64.9% on sourcing efficiencies, firmer pricing and more full-price selling. Operating expenses came down 4%. Free cash flow before leases was €105 million. Inventories ended the quarter 15% lower than a year ago, which for an apparel company is the number that tells you whether management has its hands on the wheel.

#fell #sales #NVIDIA #tell

Lender approvals ignore personal habits and savings goals. Buying less home than you qualify for delivers flexibility, lower stress, and real breathing room.
Property taxes, insurance, HOA fees, utilities, and surprise repairs can add hundreds or thousands monthly beyond what a mortgage statement shows.
Existing debt, a wiped-out emergency fund, and continued lifestyle inflation after closing combine to push new homeowners deep into financial strain.
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Buying a home is exciting, but no one should want to get into a house at the cost of stretching their budget too far. This can quickly turn homeownership into a financial burden. Being "house poor" means such a large portion of your income goes toward housing expenses that little room is left over for savings, recreational activities, emergencies, weekend trips, or everyday spending. Of course, few people become house poor on purpose. It happens gradually through small decisions that add up over time. Understanding the most common causes of falling into this trap can help you avoid it. That knowledge can lead you to a home that fits both your lifestyle and your financial goals.

#buying #poor

In the study, the 4% rule carried a growing risk of depletion, while a full annuity sacrificed liquidity and any remaining balance.
Putting 50% of savings into an annuity earned the highest score, pairing strong income with money left for emergencies or heirs.
The study used a simple immediate annuity, not one of the more complex products commonly marketed to retirees.
For decades, one widely used retirement guideline has suggested withdrawing a set percentage in year one, typically 4%, then increasing that dollar amount annually to keep pace with inflation. But a new study found that neither this approach nor putting an entire portfolio into an annuity, produced the strongest overall result. The highest-scoring strategy used some of both.
Retirement income does not have to be an either-or choice between portfolio withdrawals and an annuity. This study suggests that combining the two may provide income security while preserving money for unexpected expenses or heirs.

#annuity