Procore Technologies Option Alert: Fri $85 Calls at the Ask: 4500 vs 10932 OI

Procore Technologies Option Alert: Fri $85 Calls at the Ask: 4500 @ $3.0 vs 10932 OI; Ref=$87.44

Procore Technologies (NYSE:PCOR) Azioni

Procore Technologies

Procore Technologies Inc is a cloud-based construction management software company. It generates revenue through subscriptions for access to its software products. The company's products include Design Coordination, BIM, Field Productivity, Project Financials, Invoice Management, Portfolio Financials, Capital Planning, Accounting Integrations, and Analytics. The software products are hosted on its cloud-based SaaS construction management platform. Subscriptions are sold for a fixed fee and revenue is recognized ratably over the term of the subscription.

Procore Technologies Inc

If you or someone you know is paying back <a href="https://www.benzinga.com/personal-finance/25/02/43622327/u-s-student-loan-debt-hits-2-19-trillion-heres-why-experts-say-borrowers-shouldnt-panic-yet">federal student loans</a> under an income-driven repayment plan, especially as part of a married household, there are some important changes underway that could affect how monthly payments are calculated. These changes come as part of a broader legal battle involving the U.S. Department of Education and a national teachers union.
Here's what's happening — and what it could mean for your budget.
<h2 class="wp-block-heading">What Are IDR Plans, and Why Do They Matter?</h2>
Income-driven repayment plans are a set of programs that base a borrower's monthly federal student loan payment on their income and family size, rather than the total amount owed. The main plans include Income-Contingent Repayment (ICR), Income-Based Repayment (IBR), Pay As You Earn (PAYE), and Saving on a Valuable Education (SAVE), a newer plan introduced under the Biden administration.
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<li>The average American couple has saved this much money for retirement —<a href="http://www.benzinga.com/money/smartasset"> How do you compare</a>?</li>
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Borrowers on IDR plans may qualify for <a href="https://www.benzinga.com/personal-finance/25/04/44778031/she-was-29-months-from-erasing-247k-in-student-debt-now-her-forgiveness-is-frozen">student loan forgiveness</a> after 20 or 25 years of payments. These plans are especially useful for borrowers with high debt and relatively modest incomes.
<h2 class="wp-block-heading">The Confusion Over Married Borrowers</h2>
A recent legal filing suggested that the Trump administration intended to change how spousal income is treated under IDR plans. According to <a href="https://www.forbes.com/sites/adamminsky/2025/04/12/student-loan-payments-may-skyrocket-next-month-for-married-borrowers-suggests-trump-administration/">Forbes</a>, a Department of Education official stated that, beginning in May, the government would start counting spousal income when calculating monthly payments for married borrowers — even if those borrowers file taxes separately or are separated from their spouse.
That would be a big shift. Under current law, borrowers who file taxes separately can have their payments calculated based solely on their own income. Many married borrowers choose to file separately for this reason, even though it often means losing out on tax deductions.
If the proposed change had gone into effect, many married borrowers might have faced significantly higher payments, on top of higher tax bills.
Trending: BlackRock is calling 2025 the year of alternative assets. <a href="https://www.benzinga.com/money/masterworks">One firm from NYC has quietly built a group of 60,000+ investors who have all joined in on an alt asset class previously exclusive to billionaires like Bezos and Gates.</a>
<h2 class="wp-block-heading">A Walk-Back and Temporary Clarity</h2>
Just days after the statement raised alarms, the Department of Education reversed course. In an <a href="https://storage.courtlistener.com/recap/gov.uscourts.dcd.278527/gov.uscourts.dcd.278527.30.2.pdf">updated court filing</a> on April 15, the agency clarified that for ICR, IBR, and PAYE plans, spousal income will not be included when a borrower files taxes separately or is legally separated.
This reversal means that, at least for now, the rules stay the same: married borrowers who file separately can still qualify for IDR payments based only on their own income. That's a relief for millions who were bracing for a sudden increase in their monthly bills.
<h2 class="wp-block-heading">Why This Is Still a Developing Story</h2>
The situation is unfolding as part of an ongoing lawsuit brought by the American Federation of Teachers. The union sued the Department of Education in March after the agency temporarily shut down the IDR system in response to a court ruling that blocked the SAVE plan.
Although access to IDR applications has been restored, the department has yet to fully resume processing them. A hearing is scheduled soon to determine whether the court will order the department to restart full services.
See Also: Hasbro, MGM, and Skechers trust this AI marketing firm — <a href="https://www.benzinga.com/money/rad-intel">invest pre-IPO from $0.60 per share now</a>.
<h2 class="wp-block-heading">What Borrowers Can Do Now</h2>
If you're a married borrower on an IDR plan or planning to apply for one, continue to monitor official updates from the Department of Education. Filing taxes separately is still a valid strategy for keeping your student loan payments lower — but keep in mind that policy changes are still possible depending on the outcome of the lawsuit.
In the meantime, stay informed, talk to a student loan advisor if needed, and consider how <a href="https://www.benzinga.com/money/how-to-file-your-own-taxes">different tax filing strategies</a> could impact your repayment plan.
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Image: Shutterstock

Personal Finance

Married Borrowers Could See Major Changes to Student Loan Payments: What's Happening With IDR Plans

The past week has been a whirlwind in the world of artificial intelligence (AI), with major players making significant moves. OpenAI launched a new coding agent, Intel&#8217;s CEO initiated a leadership shakeup, and Nvidia faced a $17 billion hit in the AI arms race. Meanwhile, Microsoft debuted a new tool for Copilot Studio, and Nvidia received praise from President Trump for its $500 billion AI infrastructure commitment.
OpenAI Launches Codex CLI Amid Rising Competition
OpenAI, led by CEO Sam Altman, unveiled Codex CLI, a new open-source coding agent, along with two AI reasoning models. This marks OpenAI&#8217;s most significant open-source release since 2019, amid rising competition from China&#8217;s DeepSeek and US rivals.
<a href="https://www.benzinga.com/25/04/44881778/amid-rising-competition-from-chinas-deepseek-and-us-rivals-openai-ceo-sam-altman-launches-codex-cli-a-coding-agent-that-runs-on-your-computer">Read the full article here.</a>
Intel CEO Puts AI Front And Center With Leadership Reshuffle
Intel Corp. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/INTC#NASDAQ">INTC</a>) CEO Lip-Bu Tan has reportedly announced a significant leadership shakeup, aiming to streamline the company&#8217;s operations and put artificial intelligence at the forefront of its strategy. Key chip groups within Intel, including the data center, AI, and personal computer chip divisions, will now report directly to him.
<a href="https://www.benzinga.com/25/04/44881183/intel-ceo-lip-bu-tan-slams-suffocating-bureaucracy-puts-ai-front-and-center-with-leadership-reshuffle-direct-oversight-to-reinvent-company-after-years-of-setbacks">Read the full article here.</a>
See Also:&nbsp;<a href="https://benzinga.com/25/04/44888445/ford-reportedly-halts-vehicle-shipments-to-china-amid-rising-tariffs" target="_blank" rel="noreferrer noopener">Ford Reportedly Halts Vehicle Shipments To China Amid Rising Tariffs</a>
Nvidia, AMD Take A $17 Billion Hit In The AI Arms Race
NVIDIA Corp. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NVDA#NASDAQ">NVDA</a>) and Advanced Micro Devices Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AMD#NASDAQ">AMD</a>) disclosed this week that the U.S. government has imposed new license requirements for selling their AI-focused chips to China, Hong Kong, Macau, and D5 countries. This has resulted in a $5.5 billion inventory charge for Nvidia and an $800 million hit for AMD.
<a href="https://www.benzinga.com/analyst-ratings/analyst-color/25/04/44868970/nvidia-amd-take-a-17-billion-hit-in-the-ai-arms-race-while-broadcom-remains-shielded-says-analyst">Read the full article here.</a>
Microsoft Debuts Computer Use Tool For Copilot Studio
Microsoft Corp. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/MSFT#NASDAQ">MSFT</a>) announced a research preview of &#8220;Computer Use,&#8221; a new tool within Copilot Studio that enables AI agents to perform tasks on desktop and web applications by interacting directly. The tool allows agents to click buttons, type into fields, and navigate menus—even in environments where no APIs exist.
<a href="https://www.benzinga.com/25/04/44831264/microsoft-debuts-computer-use-tool-for-copilot-studio-ceo-satya-nadella-says-anyone-can-build-agents-that-take-action-on-the-ui-across-desktop-and-web-apps">Read the full article here.</a>
Jensen Huang Praised By Trump For Nvidia&#8217;s $500 Billion AI Infrastructure Commitment
President Donald Trump credited his tariff policies for driving Jensen Huang-led Nvidia's massive $500 billion commitment to build artificial intelligence infrastructure in the U.S. "The reason they did it is because of the election on Nov. 5 and because of a thing called tariffs," Trump said.
<a href="https://www.benzinga.com/markets/equities/25/04/44805507/jensen-huang-praised-by-trump-nvidia-wouldnt-be-doing-500-billion-ai-infrastructure-commitment-without-tariffs">Read the full article here.</a>
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<li><a href="https://benzinga.com/markets/25/04/44883821/jack-ma-was-once-ready-to-destroy-alibaba-to-end-us-china-trade-war-i-would-be-happy-if-china-and-usa-agr" target="_blank" rel="noreferrer noopener">Jack Ma Was Once Ready To &#8216;Destroy&#8217; Alibaba To End US-China Trade War: &#8216;I Would Be Happy If China And USA Agree On Something&#8217;</a></li>
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Photo courtesy: Shutterstock
This story was generated using <a href="https://www.benzinga.com/author/benzinga-neuro">Benzinga Neuro</a> and edited by <a href="https://www.benzinga.com/author/Rounak-Jain" target="_blank" rel="noreferrer noopener">Rounak Jain</a>

News

Tech

INTC

MSFT

NVDA

OpenAI's Codex CLI, Intel's Reshuffle, And Nvidia's $500B Commitment: This Week In Artificial Intelligence

Companies with a long history of paying dividends and consistently hiking them remain appealing to income-focused investors. HP, Altria, and Terreno Realty have rewarded shareholders for years and recently announced dividend increases. These companies currently offer dividend yields of around 3-7%.
HP
HP (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/HPQ#NYSE">HPQ</a>) provides personal computing, printing, 3D printing, hybrid work, gaming, and other related technologies in the U.S. and internationally.
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HP has raised its dividends every year for the last nine years. In its most recent dividend hike announcement on Nov. 26, the company's board increased the quarterly payout by 5% to $0.2894, which is equal to an annual figure of $1.16 per share. Currently, the dividend yield stands at 4.82%.
The company&#8217;s annual revenue as of Jan. 31 stood at $53.88 billion. In the company&#8217;s Q1 2025 earnings report on Feb. 27, it posted revenues of $13.50 billion, above the consensus estimate of $13.36 billion, and EPS of $0.74, matching expectations.
Check out this <a href="https://www.benzinga.com/insights/short-sellers/25/04/44760391/how-is-the-market-feeling-about-hp">article by Benzinga</a> to learn how the market is feeling about HP.
Trending: It&#8217;s no wonder Jeff Bezos holds over $250 million in art — <a href="https://www.benzinga.com/money/masterworks">this alternative asset has outpaced the S&amp;P 500 since 1995, delivering an average annual return of 11.4%. Here&#8217;s how everyday investors are getting started.</a>
Altria
Altria Group (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MO#NYSE">MO</a>) manufactures and sells smokeable and oral tobacco products in the U.S.
Altria Group has increased its dividends 59 times in the past 55 years. According to its most recent dividend hike announcement on Aug. 22, the company raised the quarterly payout by 4.1% to $1.02 per share, equal to an annual figure of $4.08 per share. More recently, in its dividend announcement on Feb. 27, the company maintained the payout at the same level. The current dividend yield on the stock is 7.14%.
Altria Group&#8217;s annual revenue as of Dec. 31 stood at $20.44 billion. In its most recent earnings report on Jan. 30, the company posted Q4 2024 revenues of $5.97 billion and EPS of $1.29. Both figures beat the consensus estimates.
See Also: Hasbro, MGM, and Skechers trust this AI marketing firm — <a href="https://www.benzinga.com/money/rad-intel">invest pre-IPO from $0.60 per share now</a>.
Terreno Realty
Terreno Realty Corporation (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/TRNO#NYSE">TRNO</a>) acquires, owns and operates industrial real estate in six major coastal U.S. markets: Los Angeles, Northern New Jersey/New York City, San Francisco Bay Area, Seattle, Miami and Washington, D.C.
The company has raised its dividends consecutively for the last 11 years. In its most recent dividend hike announcement on Aug. 7, the board increased the quarterly payout by 8.9% to $0.49 per share, equaling an annual figure of $1.96 per share. More recently, in its dividend announcement on Feb. 5, the payout remained unchanged. Currently, the dividend yield is 3.52%.
Terreno Realty's annual revenue as of Dec. 31 stood at $382.62 million. As per the company's Q4 2024 earnings release on Feb. 5, it generated revenues of $99.64 million and an EPS of $0.63, both above consensus estimates.
Check out this <a href="https://www.benzinga.com/insights/analyst-ratings/25/04/44822487/expert-outlook-terreno-realty-through-the-eyes-of-10-analysts">article by Benzinga</a> for 10 analysts&#8217; insights on Terreno Realty.
HP, Altria, and Terreno Realty are good choices for investors seeking reliable passive income. Their dividend yields of around 3% to 7% and long history of consistent hikes make them attractive to income-focused investors.
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Image: Shutterstock

TRNO

Why HP, Altria, And Terreno Realty Are Winners For Passive Income

The past week was a rollercoaster ride for the cryptocurrency market. Bitcoin (CRYPTO: <a class="ticker" href="https://www.benzinga.com/quote/btc/usd">BTC</a>), Ethereum (CRYPTO: <a class="ticker" href="https://www.benzinga.com/quote/eth/usd">ETH</a>), XRP (CRYPTO: <a class="ticker" href="https://www.benzinga.com/quote/xrp/usd">XRP</a>), and Dogecoin (CRYPTO: <a class="ticker" href="https://www.benzinga.com/quote/doge/usd">DOGE</a>) moved sideways amid tariff uncertainties. The OM token of Layer-1 blockchain MANTRA saw a dramatic crash, wiping out billions of dollars. Meanwhile, Michael Saylor hinted at a resumption of Bitcoin buying, and President Trump lashed out at Fed Chair Jerome Powell. Cathie Wood also made significant crypto trades.
Let&#8217;s dive into the details.
Bitcoin, Ethereum, XRP, Dogecoin: A Sideways Dance
Cryptocurrency markets traded sideways on Monday, with traders keeping a close eye on the ongoing tariff uncertainty. Despite the lack of clear direction, one trader advised against going long on one of these cryptocurrencies.
<a href="https://www.benzinga.com/markets/cryptocurrency/25/04/44800348/bitcoin-ethereum-xrp-dogecoin-go-sideways-but-this-trader-says-you-shouldnt-long-one-of-them">Read the full article here.</a>
OM Token&#8217;s Dramatic Crash
The OM token of Layer-1 blockchain MANTRA crashed by nearly 90% on Sunday, erasing a whopping $4.6 billion from the coin&#8217;s market capitalization. The sudden plunge left investors reeling, with the CEO promising to fix the situation.
<a href="https://www.benzinga.com/25/04/44781876/om-tokens-90-crash-leaves-holders-reeling-with-lossesmantra-blames-reckless-liquidations-but-are-big-players-involved">Read the full article here.</a>
See Also:&nbsp;<a href="https://benzinga.com/markets/cryptocurrency/25/04/44884378/ethereums-2024-gains-erased-in-q1-2025-as-solana-reigns-supreme-in-dex-space-report" target="_blank" rel="noreferrer noopener">Ethereum&#8217;s 2024 Gains Erased In Q1 2025 as Solana Reigns Supreme in DEX Space: Report</a>
Michael Saylor&#8217;s Bitcoin Tease
Michael Saylor, co-founder and executive chairman of Strategy Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/MSTR#NASDAQ">MSTR</a>), hinted at a resumption of Bitcoin (BTC/USD) buying after a week&#8217;s pause. His cryptic post, &#8220;No Tariffs on Orange Dots,&#8221; left many speculating about the company&#8217;s next move.
<a href="https://www.benzinga.com/25/04/44784106/michael-saylor-teases-bitcoin-purchases-after-a-two-week-halt-with-no-tariffs-on-orange-dots">Read the full article here.</a>
Trump&#8217;s Attack on Fed Chair Powell
President Donald Trump criticized Federal Reserve Chair Jerome Powell for his reluctance to cut interest rates. Despite Trump&#8217;s tirade, market participants, as tracked by Polymarket, are overwhelmingly betting on no change in the Fed&#8217;s policy stance for its upcoming May 7 meeting.
<a href="https://www.benzinga.com/markets/cryptocurrency/25/04/44861571/donald-trump-blasts-too-late-and-wrong-fed-chair-powell-but-polymarket-traders-doubt-his-termination-will-come-fast-enough">Read the full article here.</a>
Cathie Wood&#8217;s Crypto Shuffle
Cathie Wood-led Ark Invest made significant trades, notably acquiring shares in Robinhood Markets Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/HOOD#NASDAQ">HOOD</a>), ARK 21Shares Bitcoin ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/BTC#NYSE">BTC</a>), and 3iQ Solana Staking ETF. The move signals a reshuffling of the firm&#8217;s crypto portfolio.
<a href="https://www.benzinga.com/25/04/44855538/cathie-woods-crypto-shuffle-pours-5-2-million-into-newly-listed-solana-staking-fund-dumps-bitcoin-etf-and-buys-robinhood-dip">Read the full article here.</a>
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Photo courtesy: Shutterstock
This story was generated using <a href="https://www.benzinga.com/author/benzinga-neuro">Benzinga Neuro</a> and edited by <a href="https://www.benzinga.com/author/ananya-gairola" target="_blank" rel="noreferrer noopener">Ananya Gairola</a>

Coverage of Bitcoin, Etherum, Ripple and all the latest digital currencies.

Cryptocurrency

$BTC

$DOGE

$ETH

$XRP

HOOD

MSTR

Bitcoin's Sideways Dance, OM Token Crash, Saylor's Bitcoin Tease, And Cathie Wood's Crypto Shuffle: This Week In Crypto

The past week has been a rollercoaster for&nbsp;Apple Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AAPL#NASDAQ">AAPL</a>). From tariff exemptions to stock nosedives and innovative tech rumors, the tech giant has been in the spotlight. Here&#8217;s a quick summary of the week&#8217;s key events.
Apple&#8217;s iPhone Stockpile and Supply Chain Disruptions
Top analyst Ming-Chi Kuo has warned that Apple&#8217;s supply chain could face significant disruptions due to looming chip tariffs, despite the company&#8217;s temporary exemption on Chinese-made electronics. The exemption, granted by former President Donald Trump, includes iPhones, iPads, Macs, Apple Watches, and AirTags.
<a href="https://www.benzinga.com/25/04/44781528/apples-preemptive-iphone-stockpile-could-disrupt-supply-chain-amid-looming-semiconductor-tariffs-warns-top-analyst-says-this-may-be-cupertinos-best-option-beyond-white-house-talks">Read the full article here.</a>
Apple&#8217;s Stock Panic Amid &#8216;Liberation Day&#8217; Tariffs
Apple&#8217;s shares have dropped 23% since April 2, leading to a state of panic among investors, according to Gene Munster, Managing Partner at Deepwater Asset Management. The situation could worsen due to escalating U.S.-China tensions.
<a href="https://www.benzinga.com/news/global/25/04/44706519/apple-stock-nosediving-since-liberation-day-tariffs-has-created-panic-says-gene-munster-predicts-tim-cooks-favorable-relationship-with-trump-xi-jinping-will-rescue-iphone-maker">Read the full article here.</a>
See Also:&nbsp;<a href="https://benzinga.com/25/04/44856587/former-google-ceo-predicts-that-ais-sprint-toward-super-intelligence-could-put-a-smartest-human-in-every-pocket-by-2031" target="_blank" rel="noreferrer noopener">Former Google CEO Eric Schmidt Predicts AI Sprint Toward Super Intelligence Could Put &#8216;Smartest Human&#8217; In Every Pocket In 6 Years</a>
Tim Cook&#8217;s Dialogue Secures Tariff Exemption
Apple CEO Tim Cook&#8217;s recent conversation with U.S. Commerce Secretary Howard Lutnick reportedly led to the exemption of Apple&#8217;s China-produced electronic products from import duties. The dialogue centered on the potential impact of tariffs on iPhone prices.
<a href="https://www.benzinga.com/25/04/44882019/apple-ceo-tim-cooks-dialogue-with-commerce-secretary-lutnick-secured-tariff-exemption-for-iphones-and-electronics-report">Read the full article here.</a>
Rumors of Apple&#8217;s Foldable iPhone
As Apple&#8217;s stock continues to slide, rumors about a foldable iPhone are gaining momentum. The tech giant has reportedly been working on this innovative device for several years, and it could be launched as early as 2026.
<a href="https://www.benzinga.com/tech/25/04/44850406/apples-foldable-iphone-rumors-gain-steam-as-stock-slides-could-a-2000-device-spark-a-comeback">Read the full article here.</a>
Apple&#8217;s On-Device AI Data Analysis Plans
Apple plans to analyze data on customers&#8217; devices to enhance its artificial intelligence platform. This move aims to safeguard user information while keeping Apple competitive in the AI race.
<a href="https://www.benzinga.com/media/25/04/44819954/apple-plans-on-device-ai-data-analysis-to-boost-privacy-catch-up-in-ai-race">Read the full article here.</a>
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<li><a href="https://benzinga.com/25/04/44857730/elon-musks-team-reportedly-installs-satellite-equipment-at-key-federal-agency-raising-oversight-questions" target="_blank" rel="noreferrer noopener">Elon Musk&#8217;s Team Installs Starlink Satellite Equipment At Key Federal Agency: Report</a></li>
</ul>
Photo courtesy: Shutterstock
This story was generated using <a href="https://www.benzinga.com/author/benzinga-neuro">Benzinga Neuro</a> and edited by <a href="https://www.benzinga.com/author/Rounak-Jain" target="_blank" rel="noreferrer noopener">Rounak Jain</a>

AAPL

Apple's Week Of Tariffs, iPhone Stockpile, Stock Slides, And More: This Week In Appleverse

The past week has been a rollercoaster ride for investors, with significant developments in the global financial markets. From the looming threat of delisting for US-listed Chinese stocks to China&#8217;s drastic cut in US oil imports, the escalating trade tensions between the US and China have been a major driving force.
Meanwhile, President Trump&#8217;s proposed tariffs continue to stir debate, and his recent threats against Federal Reserve Chair Jerome Powell have added another layer of uncertainty. Amid all this, Charles Schwab has some advice for investors.
Let&#8217;s dive into the details.
US-Listed Chinese Stocks Face Delisting Threat
Investors holding US-listed Chinese stocks such as&nbsp;Alibaba Group Holding Ltd,&nbsp;JD.com Inc. could soon face serious liquidity risks. The threat of delisting due to geopolitical and regulatory frictions between Washington and Beijing is mounting.
<a href="https://www.benzinga.com/government/regulations/25/04/44868280/us-listed-chinese-stocks-face-250-billion-forced-selling-risk-as-delisting-fears-emerge-what-investors-need-to-know">Read the full article here.</a>
China Slashes US Oil Imports
As US-China trade tensions continue to escalate, Chinese refiners have cut their U.S. oil imports by roughly 90% since 2023, according to Vortexa Ltd. data. Meanwhile, imports of Canadian crude have reached record highs.
<a href="https://www.benzinga.com/news/global/25/04/44860334/china-cuts-us-oil-purchases-by-90-boosts-imports-from-canada-to-new-heights">Read the full article here.</a>
See Also:&nbsp;<a href="https://benzinga.com/general/education/25/04/44834411/warren-buffetts-2003-plan-to-fix-the-trade-deficit-without-a-war-deserves-a-second-look-as-us-china-tariff-war-continues" target="_blank" rel="noreferrer noopener">Warren Buffett&#8217;s 2003 Plan To Fix The Trade Deficit Without A War Deserves A Second Look As US-China Tariff War Continues</a>
Trump Tariffs May Not Ignite Inflation
Despite fears that President Trump&#8217;s proposed tariffs could reignite inflation, Yardeni Research President Ed Yardeni suggests the reality may be far less alarming. He believes investors and consumers might be overstating the inflationary consequences of what he dubbed Trump&#8217;s &#8220;Nitro Tariffs,&#8221; or TNT.
<a href="https://www.benzinga.com/government/regulations/25/04/44828850/trump-tariffs-may-not-ignite-inflation-after-all-says-yardeni">Read the full article here.</a>
Trump&#8217;s Threat To Oust Powell
During an official Oval Office meeting with Italian Prime Minister Giorgia Meloni, President Trump reignited his push against Federal Reserve Chair Jerome Powell. He warned that he could remove Powell if rate cuts don&#8217;t come soon.
<a href="https://www.benzinga.com/economics/macro-economic-events/25/04/44875406/hell-be-out-if-i-ask-him-can-trumps-threat-to-oust-powell-shake-the-fed">Read the full article here.</a>
Charles Schwab&#8217;s Advice for Investors
As the bond market reels from spiking yields and surging volatility, analysts at Charles Schwab suggest that investors prioritize &#8216;low volatility, high quality&#8217; investments. They believe that the significant yield fluctuations in bond markets are fueled by an unprecedented level of uncertainty.
<a href="https://www.benzinga.com/analyst-ratings/analyst-color/25/04/44808935/charles-schwab-tells-investors-to-prioritize-low-volatility-high-quality-investments-amid-century-high-tariff-turmoil">Read the full article here.</a>
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<li><a href="https://benzinga.com/25/04/44834505/scott-bessent-affirms-china-wont-weaponize-us-treasuries-as-it-would-weaken-their-currency-affecting-exports-we-d" target="_blank" rel="noreferrer noopener">Scott Bessent Says China Won&#8217;t &#8216;Weaponize&#8217; US Treasuries, Citing Risk To RMB And Exports: &#8216;We Do Buybacks&#8217;</a></li>
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Photo courtesy: Shutterstock
This story was generated using <a href="https://www.benzinga.com/author/benzinga-neuro">Benzinga Neuro</a> and edited by <a href="https://www.benzinga.com/author/ananya-gairola" target="_blank" rel="noreferrer noopener">Ananya Gairola</a>

Economics

Chinese Stocks Face Delisting Threat, Tariff Concerns, Trump's Threat To Oust Powell, And More: This Week In Economics

The past week was filled with significant developments, from President Trump&#8217;s stance on China tariffs and Russia-Ukraine peace talks, to House Democrats raising concerns about Elon Musk&#8217;s DOGE. Additionally, the IRS saw a leadership change influenced by Musk, and Sen. Elizabeth Warren (D-Mass.) warned about potential market turmoil.
Let&#8217;s dive into the details.
Trump Hesitates on Escalating China Tariffs
President Donald Trump indicated his reluctance to increase tariffs on China, hinting at potential trade stagnation. He also suggested that Beijing has been making attempts to negotiate a deal. Trump refrained from giving direct answers about his personal communications with Chinese leader Xi Jinping, but emphasized his good relationship with Xi.
<a href="https://www.benzinga.com/news/25/04/44886711/trump-expresses-reluctance-to-escalate-china-tariffs-hints-at-trade-deal">Read the full article here.</a>
Trump Administration Sets Ultimatum for Russia-Ukraine Peace Talks
President Trump and Secretary of State Marco Rubio have given a deadline for the ongoing Russia-Ukraine peace talks. They expressed their frustration over the lack of progress in the peace process and stated that the U.S. would abandon its efforts if significant progress is not made soon.
<a href="https://www.benzinga.com/25/04/44888482/trump-set-ultimatum-for-russia-ukraine-peace-talks-not-going-to-continue-with-this-endeavour-for-weeks-and-months-says-secretary-of-state-marco-rubio">Read the full article here.</a>
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Musk&#8217;s DOGE Under Fire
House Democrats have raised concerns about the Department of Government Efficiency (DOGE), alleging it is building a cross-agency master database that could compromise privacy and national security. Rep. Gerald Connolly (D-VA) has requested an investigation into DOGE.
<a href="https://www.benzinga.com/25/04/44888379/elon-musks-doge-under-fire-house-democrats-say-agency-is-building-unlawful-master-database-of-sensitive-us-data">Read the full article here.</a>
Trump Reverses Musk-Influenced IRS Interim Head Appointment
The Internal Revenue Service (IRS) is undergoing a leadership change after Treasury Secretary Scott Bessent raised concerns to President Trump about the appointment of the agency's interim head. The appointment was influenced by Elon Musk and bypassed Bessent, who oversees the tax agency.
<a href="https://www.benzinga.com/25/04/44888301/trump-reverses-elon-musk-influenced-irs-interim-head-appointment-following-scott-bessents-objection-report">Read the full article here.</a>
Warren Warns of Market Turmoil
Sen. Warren has warned about a potential stock market collapse if President Donald Trump decides to fire Federal Reserve Chair Jerome Powell. Her remarks were in response to Trump's social media post expressing his impatience for Powell's "termination."
<a href="https://www.benzinga.com/markets/25/04/44883756/warren-foresees-market-turmoil-if-trump-dismisses-feds-powell-if-powell-can-be-fired-by-trump-it-will-crash-markets">Read the full article here.</a>
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Photo courtesy: Shutterstock
This story was generated using <a href="https://www.benzinga.com/author/benzinga-neuro">Benzinga Neuro</a> and edited by <a href="https://www.benzinga.com/author/Rounak-Jain" target="_blank" rel="noreferrer noopener">Rounak Jain</a>

Politics

Trump's Trade And Peace Talks, Musk's DOGE Under Scrutiny, And Market Turmoil Predictions: This Week In Politics

Verizon Communications (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/VZ#NYSE">VZ</a>) engages in the provision of communications, technology, information, and entertainment products and services to consumers, businesses, and governmental entities worldwide.
It will report its Q1 2025 earnings on April 2. Wall Street analysts expect the company to post EPS of $1.15, unchanged from the figure in the prior-year period. According to data from Benzinga Pro, quarterly revenue is expected to be $33.30 billion, up from $32.98 billion a year earlier.
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The 52-week range of Verizon stock price was $37.59 to $47.36.
Verizon's dividend yield is 6.12%. It paid $2.71 per share in dividends during the last 12 months.
<h2 class="wp-block-heading">The Latest On Verizon</h2>
On Jan. 24, the company announced its Q4 2024 earnings, posting revenues of $35.70 billion, up 1.6% year-over-year, and topping the analyst consensus estimate of $35.32 billion, as reported by <a href="https://www.benzinga.com/news/earnings/25/01/43189382/verizon-q4-earnings-revenue-beat-1-million-mobile-and-broadband-subscriber-adds-business-segment-margin-expands">Benzinga</a>.&nbsp;
Adjusted EPS of $1.10 was in line with expectations. Total wireless service revenue was $20 billion, up 3.1% year-over-year, driven by pricing actions and growth from fixed wireless connections.
Verizon expects full-year 2025 wireless service revenue growth in the range of 2.0% to 2.8%. It projects an adjusted EPS of $4.59 to $4.73, compared to the consensus of $4.71.
Check out this <a href="https://www.benzinga.com/insights/short-sellers/25/04/44772225/how-do-investors-really-feel-about-verizon-communications">article by Benzinga</a> to learn how investors feel about Verizon Communications.
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<h2 class="wp-block-heading">How Can You Earn $100 Per Month As A Verizon Investor?</h2>
If you want to make $100 per month — $1,200 annually — from Verizon dividends, your investment value needs to be approximately $19,608, which is around 443 shares at $44.30 each.&nbsp;
Understanding the dividend yield calculations: When making an estimate, you need two key variables — the desired annual income ($1,200) and the dividend yield (6.12% in this case). So, $1,200 / 0.0612 = $19,608 to generate an income of $100 per month.
You can calculate the dividend yield by dividing the annual dividend payments by the current price of the stock.
The dividend yield can change over time. This is the outcome of fluctuating stock prices and dividend payments on a rolling basis.
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For instance, assume a stock that pays $2 as an annual dividend is priced at $50. Its dividend yield would be $2/$50 = 4%. If the stock price rises to $60, the dividend yield drops to 3.33% ($2/$60). A drop in stock price to $40 will have an inverse effect and increase the dividend yield to 5% ($2/$40).
In summary, income-focused investors may find Verizon stock an attractive option for making a steady income of $100 per month by owning 443 shares of stock. There may be more upside to come as investors benefit from the company's consistent dividend hikes. Verizon has raised its dividend consecutively for the last 18 years.&nbsp;
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How Much Would It Take To Earn $100 A Month From Verizon Stock

Building wealth through <a href="https://www.benzinga.com/personal-finance/25/04/44804226/can-you-live-off-dividends-investor-pulls-500-month-from-178k-portfolio-i-feel-more-comfortable-this-way-with-these-6-stock-picks">dividends</a> isn&#8217;t an overnight success, but rather work that requires relentless discipline, patience, consistency, and the power of compounding. While many chase quick gains, the real magic happens when investors commit to a long-term <a href="https://www.benzinga.com/news/25/02/43901059/ray-dalios-holy-grail-investment-strategy-why-10-15-diversified-investments-could-make-you-a-fortune">strategy</a>, reinvesting dividends and steadily growing their portfolios over decades.
One investor&#8217;s recent milestone proves just that: a $1 million portfolio generating $4,000 a month in passive income, all starting from humble beginnings of just $50 a month.
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The investor, who is nearly 40 years old, shared on Reddit that he began his journey at 20 but only started taking investing seriously in his mid-20s. His early contributions were modest, around $20 to $50 a month, but over time, he increased his monthly investments to an average of $300, and now invests approximately $2,000 to $2,500 monthly.
Despite market volatility, he said he&#8217;s focused on the long game: &#8220;It's hard to see my portfolio plummeting, but I then remember myself I'm playing a long game. I'm not in a hurry, the administration will change and markets will become green eventually. They did in the past every single time.&#8221;
The investor's portfolio consists of a mix of ETFs, real estate investment trusts, and blue-chip dividend stocks. Let&#8217;s take a closer look at each holding, why investors favor them, and their current dividend yields.
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<h2 class="wp-block-heading">A $1 Million Portfolio Generating $4,000 a Month Dividend Income–Redditor Shares Top Holdings</h2>
Schwab U.S. Dividend Equity ETF
Schwab U.S. Dividend Equity ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SCHD#NYSE">SCHD</a>) is a fan favorite among dividend investors because it tracks a high-quality index of U.S. companies with strong, consistent dividend payouts. It focuses on companies with solid fundamentals like high return on equity, low debt, and consistent growth. SCHD pays investors around 4.05% in dividend yield annually.
JPMorgan Equity Premium Income ETF
JPMorgan Equity Premium Income ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/JEPI#NYSE">JEPI</a>)​ offers an attractive yield by combining blue-chip U.S. equities with an options overlay strategy that generates extra income. It's especially loved by retirees and income seekers who want stability and high cash flow without taking massive risks. JEPI generates around 7.88% in annual dividend yield.
Realty Income Corporation
Realty Income Corp. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/O#NYSE">O</a>) is a real estate investment trust that owns commercial real estate leased to big, stable tenants like Walgreens and FedEx. It has a legendary track record of paying monthly dividends for over 25 years straight. O is beloved by income investors for its predictability and real estate-backed stability and pays approximately 5,68% in dividends per year.
Ares Capital Corporation
Ares Capital Corp. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/ARCC#NASDAQ">ARCC</a>) is a business development company that lends to and invests in middle-market companies, earning high interest in return. Investors love ARCC for its high yield and consistent income, even if it comes with slightly higher risk. ARCC generates around 9,49% in dividends per year.
Public Storage
Public Storage (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PSA#NYSE">PSA</a>) is the king of the self-storage real estate investment trusts, operating thousands of storage facilities across the U.S. PSA it's a favorite among long-term real estate investors because of its stable cash flow, low overhead, and high margins. The company pays investors approximately 4,13% in dividend income annually.
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SPDR S&amp;P 500 ETF Trust
SPDR S&amp;P 500 ETF Trust (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SPY#NYSE">SPY</a>) is the original S&amp;P 500 ETF, offering diversification across 500 of the biggest U.S. companies. It's not known for high yield, but investors hold it for long-term growth and market exposure. SPY generates approximately 1.33% in annual dividend yield.
Altria Group
Altria Group (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MO#NYSE">MO</a>) offers a sky-high yield and stable cash flow from its tobacco empire. Despite regulatory headwinds, it continues to generate enormous profits and share them with investors. Some also speculate on growth via its cannabis and nicotine-alternative investments. MO pays 7,06% in dividend income per year.
PepsiCo
PepsiCo (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PEP#NASDAQ">PEP</a>) owns massive snack brands like Doritos, Quaker, and Lay's. Its diversified business model makes it recession-resistant, and it's a dividend aristocrat with over 50 years of dividend growth. Investors love its global reach, brand strength, and reliable, growing dividend payouts, which are now around 3,76% per year.
Johnson &amp; Johnson
Johnson &amp; Johnson (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/JNJ#NYSE">JNJ</a>) is a healthcare titan with business lines in pharmaceuticals, medical devices, and consumer health products. It has one of the longest dividend growth streaks and is considered ultra-defensive. JNJ is a go-to for investors wanting both stability and a safe, growing income stream through dividends, which now sit at around 3.14% per year.
Verizon Communications
Verizon Communications (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/VZ#NYSE">VZ</a>) provides essential telecom services, with a massive nationwide infrastructure and millions of customers. While growth is slow, its cash flows are enormous, and it pays a very generous dividend. VZ pays investors around 6,08% in dividends.
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ARCC

JEPI

SCHD

From $50 A Month To $1M Portfolio — Investor Shares Top 10 Holdings, Says 'Finally Reached $1M!' Thanks To Relentless Discipline

Larry Fink is throwing the investment world a curveball—or maybe just a long-overdue update.
In his <a href="https://www.blackrock.com/corporate/investor-relations/larry-fink-annual-chairmans-letter">annual letter</a> to BlackRock shareholders, the firm's CEO suggests it might be time to retire the old-school 60/40 portfolio. That's the classic mix of 60% stocks and 40% bonds that's guided generations of investors since Nobel Prize-winning economists Harry Markowitz and Bill Sharpe laid the groundwork with Modern Portfolio Theory. But according to Fink, what once passed as "true diversification" might no longer cut it.
"The future standard portfolio may look more like 50/30/20," Fink writes, pointing to a mix of <a href="https://www.benzinga.com/personal-finance/25/04/44762412/the-economy-is-weakening-as-we-speak-blackrock-ceo-larry-fink-says-its-more-of-a-buying-opportunity-but-market-could-drop-another-20">50% stocks</a>, 30% bonds, and 20% private market assets—such as infrastructure, real estate, and private credit.
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Why the shift? Because <a href="https://www.benzinga.com/markets/cryptocurrency/25/04/44672506/blackrock-ceo-larry-fink-warns-many-already-believe-the-us-is-in-a-recession">the world has changed</a>.
Markets have evolved. Inflation won't stay silent. And bonds? Not the safe haven they once were. Fink argues that while private assets come with their own risks, they offer benefits that public markets can't always match—namely inflation protection, stability, and historically higher returns. "The appeal is clear," he wrote.
The case for infrastructure is especially compelling. Toll roads, utilities, and other revenue-generating infrastructure assets typically adjust with inflation. They're also less volatile than traditional stocks and bonds—something today's nervous investors won't overlook. As the chart in Fink's letter shows, portfolios that included infrastructure not only had better returns but also lower volatility.
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Take a traditional 60/40 model portfolio, for example. With the addition of infrastructure, annualized returns moved higher, while volatility dropped. The same thing happened with pension portfolios. That's the bump—more return, less stress.
But there's a catch.
As Fink points out, the industry isn't built for a 50/30/20 world. Most asset managers still live in the 50/30 public market zone, while private market firms control the 20% piece. For individual investors, crossing into that private territory is tough. Even those with enough money to qualify might only have enough to invest in one fund—putting a fifth of their portfolio in a single vehicle. And that's not real diversification.
Fink believes BlackRock can fix that.
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Just as it bridged the divide between index and active investing back in 2009 with its acquisition of Barclays Global Investors – the firm behind iShares ETFs – BlackRock is now working to unify public and private markets. In October, it took a major step in that direction by acquiring Global Infrastructure Partners. Two more acquisitions are expected to follow.
The 2009 move wasn't just about betting on ETFs. It was about giving investors the flexibility to combine strategies—to blend low-cost index funds with actively managed products. "Every investing decision is active," Fink noted, <a href="https://www.benzinga.com/personal-finance/25/02/44016490/21-year-old-pro-investor-challenges-dave-ramsey-show-hosts-on-index-funds-vs-mutual-funds-80-of-mutual-funds-dont-beat-the-market">even choosing an index</a>. Since then, BlackRock says it's helped investors save over $642 million in fees while giving them more control.
Now, Fink sees the same chance to shake up investing all over again. His message? The old playbook's getting stale—it's time for an upgrade.
Whether the 50/30/20 mix <a href="https://www.benzinga.com/markets/cryptocurrency/25/04/44672506/blackrock-ceo-larry-fink-warns-many-already-believe-the-us-is-in-a-recession">becomes the new gold standard</a> remains to be seen—but Fink's not waiting to find out. He's already building the bridge.
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'The Appeal Is Clear' — Billionaire BlackRock CEO Larry Fink Says New 50/30/20 Portfolio Mix May Replace The 60/40 Standard

Most 19-year-olds don't walk away from a future fortune. But Peter Buffett isn't most people. The youngest <a href="https://www.benzinga.com/personal-finance/25/03/44574657/billionaire-warren-buffetts-son-says-everyone-assumes-hes-rich-8-out-of-10-messages-a-day-are-just-people-wanting-something-from-my-dad">son of Warren Buffett </a>took his $90,000 inheritance in the 1970s, cashed out his Berkshire Hathaway stock, and used it to buy himself time—not more stock.&nbsp;
That same stock <a href="https://www.benzinga.com/news/25/04/44779863/warren-buffetts-son-sold-his-berkshire-stock-inheritance-to-buy-something-infinitely-more-valuable-than-the-500-million-it-would-be-worth-today">would be worth over $500 million today</a>, but Peter says he has "no regrets" according to his memoir &#8220;Life Is What You Make It.&#8221; And considering what he's doing now, it's clear he never looked back.
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Instead of climbing the corporate ladder, Peter <a href="https://www.benzinga.com/personal-finance/24/12/42496912/warren-buffett-doesnt-believe-college-is-for-everyone-none-of-his-3-kids-finished-if-you-pool-their-credits-you-got-a-degree">dropped out of Stanford</a>, moved to San Francisco, and chased his dream of becoming a composer. After a chance connection with MTV led to jingle work, Peter built a successful career in music, producing albums, scoring films, and building a name of his own. Today, he's spent decades doing things his way—and now he's using that same energy to reshape a town in upstate New York.
Since 2010, Peter and his wife Jennifer have lived in Kingston, New York, where they <a href="https://novofoundation.org/">co-run the NoVo Foundation</a>, one of the largest philanthropic organizations in the world. Backed by Warren Buffett's annual donations of Berkshire stock to his children's foundations, NoVo has quietly poured at least $160 million—and possibly over $250 million—into the region. That's more than <a href="https://kingston-ny.gov/news/?FeedID=3310">Kingston's entire municipal budget</a>.
The couple's vision is bold. Through NoVo, they've launched initiatives that touch every part of life: a local radio station, a health care network, a food co-op, and even their own currency—jokingly dubbed "Buffett Bucks"—meant to support local commerce and keep dollars circulating inside the community.
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They've also purchased key properties, like the <a href="https://www.timesunion.com/business/article/Buffett-cash-buys-the-farm-5091809.php">1,500-acre Gill Farm</a>, rebranded as the Hudson Valley Farm Hub, which now trains the next generation of organic farmers. Then there's Tech City, a former IBM site being revived as a cultural and business hub with skateparks, food labs, and artist spaces—part of a proposal called BLUEprint, which is widely expected to win the redevelopment bid. And yes, they kicked it off with a robot-themed dance party.
But not everyone's cheering.
According to reporting from <a href="https://www.tabletmag.com/sections/news/articles/buffett-kingston-sean-cooper">Tablet Magazine back in 2021</a>, residents and past NoVo collaborators have expressed concern over the outsized influence of one private foundation. Some say NoVo's grantmaking feels like a silent contract: take the funds, don't question the source. "They've invested more money than the actual budget of the city of Kingston," one resident told Tablet, "without there being any sort of democratic process."
Still, Peter insists this isn't about control—it's about empowerment. He's said the goal isn't to dictate how the community should evolve, but to support ideas that might not happen otherwise.
Whether it's visionary or problematic—or both—<a href="https://www.benzinga.com/personal-finance/25/03/44316684/warren-buffett-said-bad-news-is-an-investors-best-friend-and-if-youre-not-ready-for-stocks-to-drop-50-you-shouldnt-be-investing">there's no denying the scale</a>. What started as a $90,000 inheritance has turned into a multimillion-dollar reinvention of an entire town. And in classic Buffett fashion, it's all been done with long-term thinking and a focus on value.
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Warren Buffett's Son Cashed In $90K Instead of Waiting on $500 Million — Now He's Using 'Buffett Bucks' to Build His Own Dream Town in New York

A <a href="https://www.reddit.com/r/Millennials/comments/1jzcndm/anyone_else_give_your_parents_money_every_month/">post</a> on the r/Millennials subreddit has struck a nerve with thousands of users after one woman asked, "Anyone else give your parent(s) money every month?"
In the post, the original poster, who said she's a public sector lawyer in her 30s, explained that she's been sending her mother around $4,000 a year for nearly a decade. She also gave her mom a car, chipped in on another one, and gives extra cash on birthdays and holidays.
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"I'm not a rich woman either," she wrote, adding that she paid her way through law school with <a href="https://www.benzinga.com/personal-finance/25/02/43622327/u-s-student-loan-debt-hits-2-19-trillion-heres-why-experts-say-borrowers-shouldnt-panic-yet">student loans</a> and <a href="https://www.benzinga.com/money/how-to-pay-off-debt">paid off the debt</a> herself. "But what really irks me," she continued, "is when I mention investments, she tells me, ‘Older people never really invested &#8211; we didn't have the same opportunities.'"
That's where the conversation blew up.
<h2 class="wp-block-heading">Boomers Had Opportunities, But Not Everyone Took Them</h2>
Many Reddit users pushed back on the mom's claim that older generations didn't have access to investing. One 67-year-old commenter wrote: "We had hella great investing opportunities in our generation. Microsoft? Amazon? Apple? Starbucks? Real Estate? Yeah."
Another added, "People get mad when I point out <a href="https://www.benzinga.com/personal-finance/24/12/42675663/think-youre-richer-than-your-peers-heres-the-net-worth-you-need-to-rank-among-the-top-10-for-your-age">millennials have more savings than boomers at their age</a>, but it is actually the truth backed up by many studies. Fact is, millennials know they cannot rely on boomers for support so they save. Boomers expect everyone else to support them so they don&#8217;t."
Several noted that while OP's father, who's older than her mom, <a href="https://www.benzinga.com/money/high-return-investments">invested regularly</a> and planned ahead, her mother <a href="https://www.benzinga.com/money/is-a-home-equity-loan-a-good-idea">took out a second mortgage</a> and <a href="https://www.benzinga.com/personal-finance/25/03/44083741/26-year-old-father-racks-up-90k-in-debt-between-credit-cards-and-failing-construction-business-dave-ramsey-says-get-three-jobs">racked up credit card debt</a> instead.
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<h2 class="wp-block-heading">A Familiar Struggle for Many</h2>
Turns out, plenty of Redditors could relate.
Some said they send their parents money monthly, even when it's a financial strain. Others described living with parents or covering expenses like rent, car payments, groceries and phone bills. A few mentioned they expect to support their parents for the rest of their lives, not out of wealth, but out of love and guilt.
"[My mom] never held down a job, <a href="https://www.benzinga.com/personal-finance/24/09/40969826/people-who-dont-save-enough-for-retirement-think-working-longer-will-help-but-experts-warn-this-">never saved anything</a>, never invested anything, and she sells anything of value she happens to have the moment she blows through her cigarette money," one commenter wrote. "Now she lives with me because her landlord sold the property, and of course, she and her boyfriend just waited until it happened. "
Others admitted they've cut off family members entirely.
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<h2 class="wp-block-heading">Cultural Expectations and Tough Conversations</h2>
Some commenters, especially those from immigrant or Latino families, pointed to cultural expectations.
"I'm Latina, and our parents&#8217; generation truly enjoys receiving money from their kids because &#8216;we are their retirement,&#8217;" one user said. "That messed-up way of thinking ends with me, I refuse to think of my only child as my 401(k)."
Another user in the Philippines shared that he pays for house help for his parents while his siblings cover the utility bills, even though there's no formal agreement, just an obligation.
But others pushed for boundaries. "If you're giving $400 a month and don't know where it's going, that's a problem," one person said. "You're not helping. You're enabling."
OP clarified in the thread that her mom did help with childcare early on, but that was years ago. Since then, she's been paying full-time daycare plus her mom's stipend.
"It irritates me that she brings up every excuse in the book as to why her finances are bad," she wrote.
Still, there were some who said they're happy to help their parents — if only because they know no one else will.
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'My Mom Brings Up Every Excuse In The Book,' Says One Millennial Who Sends Her Money. Asks, 'Anyone Else Doing This Every Month?'

Approximately 10,000 pages of records related to the 1968 assassination of Sen. Robert F. Kennedy (D-N.Y.) have been made public, unearthing the assassin&#8217;s notes and reigniting discussion of the event.
What Happened: The declassified documents include&nbsp;a handwritten note by the&nbsp;convicted assassin, Sirhan Sirhan, expressing that Kennedy &#8220;must be disposed of.&#8221; This revelation is part of a larger disclosure of national secrets mandated by President&nbsp;Donald Trump.
The released files showcase images of Sirhan&#8217;s notes, one of which calls for &#8220;the overthrow of the current president&#8221; of that time, Lyndon Johnson. The documents also bring to light interviews with tourists who had heard whispers about Kennedy&#8217;s assassination weeks before it actually occurred, reports <a href="https://fortune.com/article/rfk-robert-kennedy-assasination-files-fbi-documents-archives-trump/">the </a>Fortune. 
The&nbsp;National Archives and Records Administration&nbsp;has made these files available on its public website. This follows the disclosure of unredacted files pertaining&nbsp;to the 1963 assassination of&nbsp;President John F. Kennedy, which took place last month.
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Trump, who is known for his doubts regarding government intelligence agencies, has been a strong advocate for transparency through the release of such documents. The actions of his administration have opened the door for increased public scrutiny of institutions like&nbsp;the CIA and the FBI.
Robert F. Kennedy Jr., applauded&nbsp;Trump and Tulsi Gabbard, the&nbsp;director of national intelligence, for&nbsp;their efforts in releasing these files, stating that it is a crucial step towards rebuilding trust in the American government.
Why It Matters: The release of these documents is significant as it provides new insights into a historical event that has been shrouded in mystery. It not only brings to light the mindset of the assassin but also reveals the existence of rumors about the assassination before it happened. 
This transparency is a step towards restoring public faith in government institutions, a sentiment echoed by Robert F. Kennedy Jr. Furthermore, it sets a precedent for future disclosures of national secrets, promoting transparency and accountability within the government.
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Image: Shutterstock/ChicagoPhotographer

Donald Trump Just Unveiled 10,000 Pages on RFK Assassination — Here's What They Show

Stock market expert Jon Erlichman recently shared a review of stock returns during the last six U.S. recessions, highlighting those that have performed well in difficult times.
In a video <a href="https://www.youtube.com/watch?v=27Lm9FH-c70">post</a> and also on X, Erlichman shared his analysis of stock returns during the past six recessions in the U.S.
&#8220;The Great Recession, which was longer from 2007 to 2009. We added in the dot-com recession, the recession in the early 90s, and the recessions in the early 80s. So you look at that, you start to get a better sample size,&#8221; he said. 
<figure class="wp-block-embed is-type-rich is-provider-twitter wp-block-embed-twitter"> 
<div class="wp-block-embed__wrapper">
<blockquote class="twitter-tweet" data-width="500" data-dnt="true">We reviewed stock returns in the past 6 U.S. recessions. Here's a list of stocks that have navigated well during tough times. <a href="https://t.co/vPPsxp9UUE">https://t.co/vPPsxp9UUE</a>
&mdash; Jon Erlichman (@JonErlichman) <a href="https://twitter.com/JonErlichman/status/1913326228255232100?ref_src=twsrc%5Etfw">April 18, 2025</a></blockquote>
<script async src="https://platform.twitter.com/widgets.js" charset="utf-8"></script></div>
</figure>
In alphabetical order, he mentioned about stock number one, AutoZone (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/AZO#NYSE">AZO</a>). He said that AutoZone is a great example of a stock that has done well during past recessions. Stock number two was Clorox (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CLX#NYSE">CLX</a>). He said that Clorox is a great example of a stock that did well during the last recession.
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The other recession proof stocks he suggested were, General Mills (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/GIS#NYSE">GIS</a>), IBM (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/IBM#NYSE">IBM</a>), Johnson &amp; Johnson (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/JNJ#NYSE">JNJ</a>), J.M. Smucker (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SJM#NYSE">SJM</a>), McDonald&#8217;s (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MCD#NYSE">MCD</a>), Newmont (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/NEM#NYSE">NEM</a>), Netflix (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NFLX#NASDAQ">NFLX</a>), O&#8217;Reilly Automotive (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/ORLY#NASDAQ">ORLY</a>), Sherwin-Williams (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/SHW#NYSE">SHW</a>), and Walmart (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/WMT#NYSE">WMT</a>). 
&#8220;And if you go back through all these six recessions, this is the stock that really stands out as a recession-proof stock. Now, of course, we&#8217;ve got the tariff uncertainty right now. That&#8217;s not great for retailers, but Walmart executives have already come out,&#8221; he said in the post. 
The analysis shared by Erlichman is particularly relevant in the current economic climate. With ongoing market volatility and uncertainty, investors are constantly on the lookout for stocks that can weather economic downturns. 
Erlichman&#8217;s review offers a historical perspective on stocks that have demonstrated resilience in the face of recessions, potentially guiding investors towards more stable investment options during turbulent times.
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Image: Shutterstock/iQoncept

Markets

NFLX

ORLY

Stocks That Weathered Past Recessions: Expert Shares Picks That Withstood Every Downturn

The International Monetary Fund, or IMF, has expressed concern over escalating trade tensions sparked by new U.S. tariffs but emphasized that a <a href="https://www.benzinga.com/personal-finance/25/04/44884282/analyst-predicts-recession-is-coming-despite-financial-crisis-put-on-hold-warns-rich-kids-insulated-from-their-own-actions" target="_blank" rel="noreferrer noopener">global recession is not on the horizon</a>.
The organization acknowledged a sharp rise in economic uncertainty, particularly in relation to trade policy, yet maintained a cautiously optimistic outlook for global growth, BBC reports.
While financial markets have faltered and geopolitical trust has deteriorated, the IMF stated that its revised projections reflect a slowdown—but not a full-blown recession.
Global equity markets have taken a hit since U.S. President Donald Trump introduced sweeping tariffs on April 2, an event dubbed &#8220;Liberation Day&#8221; by the White House.
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Major indexes remain down, with investor sentiment shaken by fears of retaliatory trade measures and sluggish global investment.
The World Trade Organization (WTO) has predicted a contraction in international trade volumes this year, directly linking the outlook to Washington&#8217;s tariff strategy, BBC adds.
Kristalina Georgieva, managing director of the IMF, urged nations to use the moment as an opportunity for structural reform.
BBC quotes Georgieva saying, &#8220;A better balanced, more resilient world economy is within reach.&#8221;
&#8220;We must act to secure it,&#8221; she said.
Georgieva called on the U.S. to address its fiscal deficit, encouraged China to bolster social safety nets, and pressed Europe to eliminate internal trade barriers in services and deepen its economic integration.
Despite lingering fears of a downturn, the IMF&#8217;s current stance offers reassurance that the global economy can weather the turbulence—provided governments act decisively.
The organization emphasized collective responsibility and policy coordination as the path to renewed growth and stability.
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Equities

General

Recession? Not So Fast, Says IMF — Even After Trump Tariff Chaos

President Donald Trump has signaled a potential end to efforts in mediating peace between Russia and Ukraine, stating that the U.S. may &#8220;take a pass&#8221; on further negotiations <a href="https://www.benzinga.com/25/04/44888482/trump-set-ultimatum-for-russia-ukraine-peace-talks-not-going-to-continue-with-this-endeavour-for-weeks-and-months-says-secretary-of-state-marco-rubio" target="_blank" rel="noreferrer noopener">if either side proves unwilling to compromise</a>.
BBC <a target="_blank" href="https://www.bbc.com/news/articles/c20x5xn1g92o" rel="noreferrer noopener">reports </a>that Trump emphasized urgency during remarks in the Oval Office on Friday, noting he wants a resolution soon, though not within a rigid timeframe.
Trump&#8217;s warning coincides with comments from Secretary of State Marco Rubio, who stressed that American involvement in ceasefire talks could end within days unless tangible progress emerges.
The administration is prioritizing results, not prolonged diplomatic standoffs, BBC reports.
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As Russian forces continue to assault northeastern Ukrainian cities like Kharkiv and Sumy—leaving multiple casualties—U.S. officials are pressuring both sides to find common ground swiftly.
Despite initial confidence from the Trump administration in securing a quick ceasefire, progress has stalled, with Washington expressing frustration at both Moscow and Kyiv.
Trump&#8217;s past criticism of Ukrainian President Volodymyr Zelensky and overtures to Vladimir Putin have stirred unease among NATO members, who remain committed to Ukraine&#8217;s defense.
Meanwhile, Kremlin spokesperson Dmitry Peskov stated that Russia remains open to negotiations but under conditions aligning with Moscow&#8217;s interests.
Amid the fragile peace efforts, Ukraine and the U.S. have revived discussions around a joint investment fund aimed at post-war reconstruction.
The preliminary agreement, signed Thursday, also hints at broader cooperation over energy infrastructure and mineral resources.
U.S. Treasury Secretary Scott Bessent and Ukraine&#8217;s Economy Minister Yulia Svyrydenko confirmed the deal is progressing and could be finalized by April 26, BBC adds.
Zelensky has continued to push for firm security assurances from the U.S. in any ceasefire deal, warning European allies that a truce without such commitments would leave Ukraine vulnerable.
U.S. officials, however, argue that American business investment itself may serve as a deterrent against future Russian aggression.
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Movers

Trump May 'Take a Pass' on Russia-Ukraine Peace Talks Without Progress

President Donald Trump is reportedly planning to eliminate all federal funding for Head Start in his 2026 budget proposal, putting a program that has served nearly 40 million children since 1965 at serious risk.
According to <a href="https://eu.usatoday.com/story/news/education/2025/04/11/trump-proposal-eliminating-head-start/83045346007/">USA Today</a>, which cites a government official familiar with the plan, the White House&#8217;s proposed budget would zero out funding for Head Start, part of a broader effort to shrink the federal government under the <a href="https://www.benzinga.com/markets/24/11/42152862/trump-picks-project-2025-co-author-russell-vought-for-omb">Project 2025</a> policy blueprint. The Low-Income Home Energy Assistance Program, which helps families with heating and cooling costs, is also on the chopping block.
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While the White House has not confirmed the cut, Rachel Cauley, a spokesperson for the Office of Management and Budget, said, &#8220;No final funding decisions have been made.&#8221;
<h2 class="wp-block-heading">Critics Warn of Catastrophic Consequences</h2>
Even so, the news has sparked widespread concern. The National Head Start Association called the proposal to eliminate the program &#8220;catastrophic&#8221; and warned it could result in more than 1 million parents losing access to affordable child care and preschool, disrupting their ability to work.
&#8220;Meals, developmental screenings and health care for nearly 800,000 children would disappear,&#8221; NHSA Executive Director Yasmina Vinci told USA Today. &#8220;We urge every parent, every American, and every believer in the <a href="https://www.benzinga.com/startups/24/10/41196233/kevin-oleary-defends-the-american-dream-on-fox-business-im-the-guy-that-invests-in-businesses-5-to-5">American dream</a> to reach out to their elected officials to express their outrage about such a proposal.&#8221;
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<h2 class="wp-block-heading">Regional Offices Shut Down Without Warning</h2>
The proposal comes on the heels of abrupt closures of at least five regional Head Start offices in Boston, New York, Chicago, San Francisco and Seattle. These offices provide crucial oversight and support for local Head Start programs.
NHSA said it was informed of the closures early last week and is urging the administration to halt further action until a transition plan is in place. &#8220;Closing these regional Head Start offices could create delays in essential program support and weaken the system that has successfully served millions of children for decades,&#8221; the group said in a <a href="https://nhsa.org/press_release/nhsa-expresses-deep-concern-over-administration-shuttering-regional-offices/">statement</a>.
The staffing cuts, part of Health and Human Services Secretary Robert F. Kennedy Jr's downsizing plans, left many program directors blindsided. &#8220;None of us saw this coming,&#8221; Janice Smith, early childhood services director at the Oakland Livingston Human Service Agency in Southeastern Michigan, told the <a href="https://eu.freep.com/story/news/education/2025/04/11/trump-cuts-head-start-jobs-leaving-local-michigan-programs-uncertain-of-future-closures/83009348007/">Detroit Free Press</a>.
NHSA emphasized that less than 1% of Head Start's annual funding goes to federal staff, including those working in regional offices.
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<h2 class="wp-block-heading">Sen. Murray: &#8216;Offensive and Just Plain Wrong&#8217;</h2>
Sen. Patty Murray (D-WA), vice chair of the Senate Appropriations Committee, slammed the Trump administration's proposal in a statement released Monday.
&#8220;While families feel the crunch with a worsening child care crisis and much higher daily costs thanks to Trump's tariffs, President Trump wants to eliminate Head Start and kick hundreds of thousands of kids out of the classroom, fire teachers, and make child care and early learning more expensive and less safe,&#8221; Murray said in a <a href="https://www.murray.senate.gov/senator-murray-statement-on-trump-budget-proposal-to-fully-eliminate-head-start/">statement</a>.
She added, &#8220;This administration believes we cannot afford to help families get preschool or help kids get basic health services, but we can afford trillions of dollars more in <a href="https://www.benzinga.com/personal-finance/25/02/43578641/bernie-sanders-says-we-must-not-savage-programs-for-working-families-to-provide-huge-tax-breaks-for-billionaires">tax breaks for billionaires</a>. It's offensive and just plain wrong.&#8221;
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<h2 class="wp-block-heading">What's at Stake</h2>
Head Start serves more than 750,000 children nationwide and is especially important in rural areas where other early childhood education options are scarce. The program provides early learning, health care, and family support to low-income families.
NHSA said it will continue working with the administration and Congress to protect the program. &#8220;An investment in Head Start is an important investment in our youngest learners, their families, our communities, and our nation,&#8221; the organization stated.
With Congress holding the final say on the budget, the future of Head Start now rests on political negotiations. But for the millions of families relying on it, the threat feels immediate and very real.
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'It's Offensive And Just Plain Wrong'—Trump's Budget Proposal To Eliminate Head Start, Affecting Over 1 Million Parents

In the ongoing antitrust trial against&nbsp;Meta Platforms Inc.&nbsp;(NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/FB#NASDAQ">FB</a>), decade-old emails from CEO Mark Zuckerberg have taken center stage.
What Happened: The Federal Trade Commission (FTC) has been scrutinizing Zuckerberg&#8217;s emails, some of which are over 10 years old, during the trial. These emails disclose Zuckerberg&#8217;s long-held apprehensions about potential antitrust issues.
In a 2018 email to senior Facebook executives, Zuckerberg voiced concern that the company&#8217;s growth trajectory could invite antitrust regulation. This email was emphasized by the FTC&#8217;s lead attorney, Daniel Matheson, during the trial.
The emails also shed light on Zuckerberg&#8217;s worries about rising competitors and his candid evaluations of Facebook&#8217;s key deals. In a 2012 email to COO Sheryl Sandberg, Zuckerberg discussed the necessity to acquire Instagram due to its swift growth, reports <a href="https://www.businessinsider.com/zuckerberg-meta-antitrust-trial-emails-ftc-2025-4">the</a> Business Insider.
If the FTC emerges victorious in the case, it could potentially force Meta to divest Instagram and WhatsApp. However, legal experts argue that proving Meta established its monopoly through these acquisitions will be a tough task, given that the FTC had previously greenlit these mergers.
Also Read: <a href="https://www.benzinga.com/tech/25/04/44780047/mark-zuckerbergs-empire-in-jeopardy-as-meta-faces-antitrust-battle-in-court">Mark Zuckerberg&#8217;s Empire in Jeopardy as Meta Faces Antitrust Battle in Court</a>
Mark Hansen, Meta&#8217;s lead attorney, has tried to downplay the importance of Zuckerberg&#8217;s emails, suggesting that worrying about competition is a standard part of a CEO&#8217;s job.
Why It Matters: The emergence of Zuckerberg&#8217;s old emails as key evidence in the trial underscores the FTC&#8217;s determination to hold Meta accountable for potential antitrust violations. 
The emails not only reveal Zuckerberg&#8217;s longstanding concerns about antitrust issues but also his strategic moves to neutralize emerging competitors. The outcome of this trial could have far-reaching implications for Meta and other tech giants, potentially reshaping the digital landscape. 
If the FTC wins, it could set a precedent for future antitrust cases, signaling a tougher regulatory environment for big tech companies.
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Zuckerberg's Leaked Emails Show His Rivals Lived Rent-Free in His Mind

According to a recent survey, 40% of Americans with credit card debt are under the impression that making minimum payments is an effective way to manage their debt.
This misunderstanding is contributing to the escalating credit card debt in the country, which has now hit a record high of $1.2 trillion. The <a href="https://www.experianplc.com/newsroom/press-releases/2025/americans-tackling-debt-to-achieve-their-own-cinderella-story">survey</a> was carried out by Experian.
It revealed that a large number of Americans falsely believe that making the minimum payment on their credit card debt is enough to keep it under control. This misunderstanding is contributing to the growing credit card debt in the United States, which has reached an all-time high.
Also Read: <a href="https://www.benzinga.com/news/24/09/40869188/robert-kiyosaki-rings-alarm-bells-over-soaring-us-debt-the-dollar-is-trash">Robert Kiyosaki Rings Alarm Bells Over Soaring US Debt: &#8216;The Dollar Is Trash&#8217;</a>
According to&nbsp;the Federal Reserve Bank of&nbsp;New York, American consumers collectively owe $1.2 trillion in credit card debt.&nbsp;
Experts suggest strategies such as&nbsp;the &#8220;snowball&#8221; or &#8220;avalanche&#8221; methods&nbsp;to effectively manage and pay off credit card debt. Both methods have their pros and cons, and the choice depends on what works best for the individual.
The issue of credit card debt is a serious one, with experts stressing the importance of strategic debt management.&nbsp;
&#8220;Credit card debt is the&nbsp;highest cost debt for most&nbsp;households. This is definitely one to&nbsp;prioritize for your financial wellbeing,&#8221; Ted Rossman, senior industry&nbsp;analyst for credit cards at&nbsp;Bankrate <a href="https://www.cnbc.com/2025/04/18/americans-biggest-misconception-about-managing-credit-card-debt.html">told </a>CNBC. 
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Survey Unveils American Misconceptions About Credit Card Debt Management

When it comes to <a href="https://www.benzinga.com/personal-finance/25/04/44793077/retirement-nightmare-45-year-old-weighs-230k-lump-sum-vs-lifetime-pension-are-dividends-a-good-idea-for-me-reddit-reacts">retirement planning</a>, many Americans contribute to a traditional 401(k). But there&#8217;s another option available in most employer-sponsored retirement plans — and according to personal finance expert Suze Orman, far too few people are taking advantage of it.
The Roth 401(k) is a feature offered by roughly 90% of workplace retirement plans, yet only about 20% of participants are using it, according to Orman. She believes this overlooked strategy could offer major benefits, especially when it comes to taxes in retirement.
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<h2 class="wp-block-heading">Roth 401(k) vs. Traditional 401(k): Know the Difference</h2>
With a <a href="https://www.benzinga.com/personal-finance/25/03/44424162/its-a-really-really-bad-idea-suze-orman-warns-58-year-old-against-using-a-401k-to-buy-a-lifetime">traditional 401(k)</a>, your contributions are made with pre-tax dollars. That means you reduce your taxable income today, but you'll owe income tax on every dollar you withdraw in retirement.
A Roth 401(k), by contrast, is funded with after-tax dollars. You won't get a tax break up front, but qualified withdrawals in retirement are completely tax-free. That includes both your contributions and any investment earnings.
"So for those of you saving in a 401(k), I want you to check if your plan offers the Roth 401(k) option. If so, I think you should consider switching your new contributions over to the Roth 401(k)," Orman wrote in a recent <a href="https://www.suzeorman.com/blog/The-Best-Investing-Move-for-Your-Retirement">blog post</a>.&nbsp;
Trending: It&#8217;s no wonder Jeff Bezos holds over $250 million in art — <a href="https://www.benzinga.com/money/masterworks">this alternative asset has outpaced the S&amp;P 500 since 1995, delivering an average annual return of 11.4%. Here&#8217;s how everyday investors are getting started.</a>
<h2 class="wp-block-heading">Why Suze Orman Recommends Switching Future Contributions</h2>
Orman isn't advising anyone to convert their existing traditional 401(k) balances to a Roth — that move comes with a tax bill. Instead, she's suggesting that savers consider directing new contributions into a Roth 401(k), if their plan offers it.
This strategy, she says, could help reduce your taxable income in retirement. If you've already built up savings in a traditional 401(k), adding Roth savings to the mix gives you more flexibility. You'll be able to tap into tax-free funds in retirement, which could help you stay in a lower tax bracket and minimize required minimum distributions from your traditional accounts.
Trending: Hasbro, MGM, and Skechers trust this AI marketing firm — <a href="https://www.benzinga.com/money/rad-intel">invest pre-IPO from $0.60 per share now</a>.
<h2 class="wp-block-heading">Avoiding Higher Medicare Premiums</h2>
Another important reason Orman says to consider a Roth 401(k)? Your future Medicare premiums.
Medicare Part B premiums are based on your taxable income. Withdrawals from a traditional 401(k) count as taxable income, but withdrawals from a Roth 401(k) do not — assuming the account has been open for at least five years and you're 59½ or older.
By using tax-free funds from a Roth 401(k), you may be able to avoid crossing into higher income tiers that trigger <a href="https://www.benzinga.com/government/regulations/25/04/44694563/medicare-advantage-rates-expected-to-climb-over-5-in-2026-easing-pressure-on-managed-care">increased Medicare costs</a>.
<h2 class="wp-block-heading">More Flexibility for Life's "What Ifs"</h2>
A Roth 401(k) can also provide valuable peace of mind. Whether it's a big vacation, home care, or an unexpected expense, knowing you have access to tax-free funds can ease the financial pressure.
"I strongly believe that you will appreciate having some of your retirement money in Roth accounts once you are in retirement," Orman says.
See Also: With high-demand properties in the Midwest, Bam Capital has delivered 2.46x equity multiples in just over 3 years. No losses. No missed payments. <a href="https://www.benzinga.com/money/investing-in-the-midwest-why-multifamily-real-estate-is-a-winning-strategy">Learn more about becoming an investor today</a>.&nbsp;
<h2 class="wp-block-heading">Bottom Line</h2>
If your employer offers a Roth 401(k), it might be worth giving this underused tool a closer look. Contributing even a portion of your future retirement savings to a Roth 401(k) could offer greater tax flexibility, protect your Medicare premiums, and give you more control over your retirement income.
Before making any changes, consider speaking with a <a href="https://www.benzinga.com/money/best-online-financial-advisors">financial advisor</a> or tax professional to make sure the strategy fits your situation.
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