Mortgage rates dropped this week to their lowest level in more than a year, mortgage buyer Freddie Mac said Thursday. Freddie Mac's latest Primary Mortgage Market Survey, released Thursday, showed the average rate on the benchmark 30-year fixed mortgage decreased to 6.19% from last week's reading of 6.27%. The average rate on a 30-year loan was 6.54% a year ago. "At the start of 2025, the 30-year fixed-rate mortgage surpassed 7%, while today it hovers nearly a full percentage point lower," said Sam Khater, ...

公司战略调整 - 公司计划削减约1000个企业职位并取消800个空缺职位 旨在加速业务决策并推动增长 [1] - 新任首席执行官Michael Fiddelke致力于简化公司结构 消除管理层级 使组织更精简高效 [1] - 此次裁员占公司全球总部团队的8% [3] 裁员细节 - 约80%的裁员职位位于美国 主要集中在公司总部所在地明尼阿波利斯地区以及领导层职位 [2] - 领导层职位员工被裁的可能性是其他员工的三倍 [2] - 受影响的员工将获得福利和薪酬至一月初 此外还有公司提供的遣散费 [6] 新任CEO的战略重点 - 战略重点包括加强公司在时尚和设计领域的零售领导地位 提升客户体验 并扩大技术应用以推动下一阶段增长 [4] - 公司成立了企业加速办公室 旨在推动跨职能协作 简化全公司流程 并创新地利用技术和数据 [6] - 新任CEO指出 现有的复杂性和过多管理层级拖慢了决策速度 阻碍了创意的实现 [8] 公司面临的挑战与财务表现 - 公司正面临门店客流量下降和利润压力 部分原因与关税有关 [12] - 最新财季销售额为252亿美元 较去年同期下降0.9% [13] - 同店销售额下降1.9% 其中门店销售额下降超过3% 但线上销售额增长略高于4% [14] - 季度营业利润为13亿美元 较去年同期下降约19.4% [14] 新任CEO的背景 - Michael Fiddelke在公司任职超过二十年 此前担任首席运营官 主导了推动业务指数级增长的努力 [9][11] - 其主导的企业效率提升努力带来了超过20亿美元的效益 [11]

Oil prices jumped on Thursday after the U.S. imposed sanctions on major Russian oil companies over Russia's war in Ukraine. Brent crude futures were up 5%, while West Texas Intermediate crude futures climbed more than 5.2% as of Thursday morning.The Trump administration on Wednesday moved to sanction Russia's largest oil producers, Rosneft and Lukoil, over their role in funding the Russian war in Ukraine, which has become Europe's biggest land war since World War II. "Given President Putin's refusal to end ...

President Donald Trump pardoned Changpeng "CZ" Zhao, the convicted founder of Binance, the world’s largest crypto exchange. Zhao pleaded guilty in 2023 to a single violation of the Bank Secrecy Act, which included failure to properly implement an effective anti-money laundering program. Binance paid $4.3 billion to resolve the Department of Justice’s investigation led by former Attorney General Merrick Garland and coordinated by then-Treasury Secretary Janet Yellen through its financial crime units. Zhao le ...

公司安全立场与措施 - 公司首席执行官强调安全是首要任务，并以其子女使用该平台为例说明其帮助儿童学习STEM技能并与朋友保持联系 [1] - 公司声称其平台非常不同，通过禁止图片分享、过滤所有文本、制定反对分享个人信息政策以及实时监控关键危害来确保安全 [2][5] - 公司计划利用AI自拍相机技术估算用户年龄，并控制聊天对象，旨在建立安全与沟通的黄金标准 [13][14] 面临的法律与监管挑战 - 路易斯安那州对该公司提起诉讼，指控其平台为儿童 predators 提供便利 [3] - 肯塔基州提起民事诉讼，指控公司对儿童的保护措施不足，使其暴露于 predators、暴力和色情内容中，且注册过程无需年龄验证 [9][10][12] - 佛罗里达州总检察长对该公司启动刑事调查，称其平台是 predators 的温床 [9] 国际市场的监管行动 - 伊拉克政府以儿童安全担忧为由禁止了该平台，理由是用户间的直接通信可能使儿童面临剥削风险，且其内容与社会价值观不符 [5][6]

U.S. Treasury Secretary Scott Bessent offered some optimism for consumers, saying he expects price relief to arrive sooner rather than later. "Things look great, and they're good now. I think 2026 and 2027 are gonna be great years," Bessent told FOX Business’ Larry Kudlow on Wednesday."This affordability crisis, we've gotten it under control. The first thing to getting it under control was stopping the Biden inflation," he continued. "Now that we've done that… energy prices are down. I think that housing pr ...

社会保障生活成本调整（COLA）计算方法 - 当前使用CPI-W计算年度社会保障COLA，但存在使用CPI-E的辩论 [1][2] - CPI-W追踪城市工薪阶层和文职人员的通胀，CPI-E则针对62岁及以上老年人的消费模式 [3] - 法律规定社会保障管理局必须使用CPI-W计算COLA，更改公式需国会立法 [8] 不同通胀指标对福利的影响 - 研究发现CPI-E比CPI-W平均高出约0.1个百分点 [3] - 估算显示使用CPI-W而非CPI-E导致1999年退休者在25年内少获得约5000美元福利，2014年退休者少获得超过8000美元福利 [4] - 预计2024年退休者在整个退休期间将因公式差异损失约12000美元福利 [7] 替代通胀指标的争论与局限性 - 政府机构认为CPI-E作为研究性价格指数存在局限性，包括样本量较小和抽样误差较高 [10] - 有观点指出CPI-E可能因样本狭窄且未充分考虑消费者替代行为而高估通胀 [11] - 建议使用链式CPI，因其更能反映消费者对价格变化的反应，且2013年至2022年间CPI-W比链式CPI高估生活成本上涨0.26个百分点 [14][15] 政策变动面临的挑战 - 民主党议员曾提出更改COLA计算公式的法案，但近年均在委员会阶段未获通过 [8] - 更改公式被视为可能增加福利的政治诉求，但被批评为在经济和财政上存在误导 [11]

Molson Coors Beverage Company announced Monday that it plans to eliminate about 400 jobs by the end of the year, as part of a sweeping corporate restructuring plan. The cuts – which represent roughly 9% of the company’s salaried workforce in the Americas – come as alcohol companies across the U.S. face uncertainty amid slower consumer spending and tariff-driven volatilities.PATRIOTS LEGEND VINCE WILFORK TEAMS UP WITH SAMUEL ADAMS FOR GRILLING-THEMED BEER LAUNCH "We’ve made progress on our transformation jou ...

The U.S. national debt surpassed another historic milestone as it topped $38 trillion for the first time this week, as the federal government continues to rack up debt at a record-setting pace. New data from the Treasury Department released on Wednesday showed that the gross national debt reached $38,019,813,354,700.26 as of Oct. 21.The $38 trillion milestone comes a little over two months after the U.S. national debt reached $37 trillion for the first time in mid-August, and less than a year after the $36 ...

Molson Coors Beverage Company announced Monday that it plans to eliminate about 400 jobs by the end of the year, as part of a sweeping corporate restructuring plan. The cuts – which represent roughly 9% of the company’s salaried workforce in the Americas – come as alcohol companies across the U.S. face uncertainty amid slower consumer spending and tariff-driven volatilities.PATRIOTS LEGEND VINCE WILFORK TEAMS UP WITH SAMUEL ADAMS FOR GRILLING-THEMED BEER LAUNCH "We’ve made progress on our transformation jou ...