文章核心观点 - 凯文·奥利里认为个人财务困境的主因是消费习惯而非收入或经济环境 其核心观点是财富积累始于削减非必要开支而非增加收入[1][2] 消费行为与财富积累 - 购买新车被指为最愚蠢的财务决策之一 因其在驶离停车场瞬间即贬值20%至30%[3] - 租赁汽车被批评为最糟糕的方式 等于是为租用一项贬值的资产向经销商支付数千美元[3] - 建议购买三年车龄的认证二手车 让其他人承担折旧损失 并指出这是富人的做法[3] - 将外出就餐视为财务上的自我破坏 举例指出花费15美元购买午餐沙拉的行为[3] 具体数据与长期影响 - 根据美国劳工统计局数据 美国人平均每年外出就餐花费近4000美元[4] - 奥利里计算指出 若将每年3500美元用于投资 以10%年回报率持续30年 最终可累积超过60万美元[4] - 强调为便利和将被遗忘的餐饮而放弃数十万美元的退休财富是不明智的[4] 建议的财务决策 - 建议自带午餐和在家制作咖啡 并称这些不是牺牲而是明智的财务决策[5] - 批评因懒惰而不在家烹饪 转而光顾平庸的连锁餐厅是财务上不负责任的行为[5]

Key Takeaways CAT is expanding U.S. production, boosting engine capacity and gaining from data center and transport demand.EnerSys is shifting battery production to Kentucky to avoid tariffs and leverage IRA tax credits.GE Aerospace is investing $1B in U.S. manufacturing to raise engine output and support market demand.Reshoring and the drive for supply-chain independence are transforming U.S. manufacturing, as more companies move production back to domestic locations. In recent years, several factors, incl ...

Government bond issuance for 2026 is estimated at 200 b.kr. market value.It is planned to issue a new nominal bond maturing in 2029. The size of the series concerned and market conditions will determine the amount sold in individual benchmark series.It is possible that the Treasury’s year-2026 borrowing need will be met in part with issuance of Treasury bills, drawdowns of foreign deposits held in the Treasury’s current account with the Central Bank of Iceland, and the sale of a portion of the Housing Fund’ ...

NEW YORK, NY / ACCESS Newswire / December 29, 2025 / Infrastructure technology does not tolerate impatience. It requires long deployment cycles, regulatory alignment, and integration into systems that cannot afford disruption. ...

The consensus view for market expectations seems to be overwhelmingly positive going into 2026. I must admit that I find such expectations truly baffling. In this article, I will lay out my reasons why, and I will offer myI've been in the investing world for over 10 years at this point. My interests in writing on Seeking Alpha center around both the larger purview of macroeconomic themes, as well as around microeconomic issues regarding specific companies. In that way, my writing is very opportunistic, just ...

核心法律诉讼事件 - 律师事务所Faruqi & Faruqi正在调查对CarMax Inc (NYSE: KMX)的潜在索赔 并提醒投资者注意2026年1月2日的首席原告申请截止日期 该诉讼是针对公司在2025年6月20日至2025年9月24日期间涉嫌违反联邦证券法而提起的联邦集体诉讼 [1][2][4] - 诉讼指控公司及其高管做出了虚假和/或误导性陈述 和/或未能披露以下信息 被告鲁莽地高估了CarMax的增长前景 而实际上其2026财年早期的增长是客户因关税猜测而购车带来的暂时性利益 因此 被告关于公司业务 运营和前景的陈述在所有相关时间都存在重大虚假和误导性和/或缺乏合理依据 [4] 公司财务与股价表现 - 2025年9月25日 公司发布了2026财年第二季度财务业绩 披露CarMax Auto Finance (CAF)收入下降了11.2% 原因是2026财年第二季度的贷款损失拨备为1.422亿美元 而去年同期为1.126亿美元 [5] - 2026财年第二季度的贷款损失拨备包括对现有贷款终身损失估计增加了7130万美元 这主要是由于2022和2023年批次贷款的业绩恶化 剩余的7090万美元反映了对当季新增贷款终身损失的估计 [5] - 在此消息发布后 CarMax股价在2025年9月26日下跌了每股11.45美元 跌幅约20% 收盘报每股45.60美元 [5]

文章核心观点 - 文章基于Zacks评级系统和风格评分系统 重点推荐马自达汽车作为当前市场上高质量的价值股 因其同时具备Zacks买入评级和A级价值评分 且多项估值指标显示其可能被市场低估 [1][3][7] 价值投资策略与筛选体系 - Zacks Rank系统专注于盈利预测和预测修正来寻找优胜股票 而Style Scores系统则用于筛选具有特定特质的股票 例如价值投资者可关注"价值"类别 [1][3] - 价值投资策略旨在识别被市场低估的公司 投资者使用基本面分析和传统估值指标进行筛选 [2] - 同时拥有高Zacks Rank和"A"级价值评分的股票被认为是当前市场上最高质量的价值股之一 [3] 马自达汽车估值分析 - 马自达汽车目前持有Zacks Rank 2 评级为"买入" 其价值评分为A级 [3] - 公司市净率为0.39 显著低于其行业平均市净率1.16 在过去12个月中 其市净率最高为0.43 最低为0.28 中位数为0.35 [4] - 公司市销率为0.15 显著低于其行业平均市销率0.44 [5] - 公司市现率为5.04 低于其行业平均市现率6.01 在过去一年中 其市现率最高为5.41 最低为2.10 中位数为2.55 [6] 综合评估结论 - 上述关键估值指标共同支撑了马自达汽车获得强劲的A级价值评分 并显示该股票目前很可能被低估 [7] - 结合其盈利前景的强度 马自达汽车目前看起来是一只令人印象深刻的价值股 [7]

投资方法论 - Zacks Rank系统专注于盈利预测和预测修正来寻找优质股票[1] - 投资者可结合创新的Style Scores系统筛选具备特定特质的股票 例如价值投资者可关注"价值"类别[3] - 同时拥有高Zacks Rank和"A"级价值评分的股票是当前市场上最高质量的价值股之一[3] 价值投资理念 - 价值投资是在任何市场类型中寻找强势股票的首选方法之一[2] - 价值投资者依赖对关键估值指标的传统分析来寻找他们认为被低估的股票 从而留有盈利空间[2] 公司估值分析 - Farmers National Banc (FMNB) 目前持有Zacks Rank 2 (买入) 和价值评级A[4] - 公司市盈率为8.64倍 低于其行业平均市盈率10.36倍[4] - 过去52周内 公司远期市盈率最高为11.56倍 最低为7.89倍 中位数为9.13倍[4] - 公司市净率为1.25倍 低于其行业平均市净率2.02倍[5] - 过去52周内 公司市净率最高为1.49倍 最低为1.04倍 中位数为1.22倍[5] - 公司市销率为1.85倍 低于其行业平均市销率2.12倍[6] - 公司市现率为9.62倍 低于其行业平均市现率14.61倍[7] - 过去12个月内 公司市现率最高为11.33倍 最低为8.10倍 中位数为9.57倍[7] 投资结论 - 上述估值指标显示 Farmers National Banc目前很可能被低估[8] - 结合其盈利前景的强度 该公司目前感觉像是一只很棒的价值股[8]

Investors interested in Transportation stocks should always be looking to find the best-performing companies in the group. Has Teekay Tankers (TNK) been one of those stocks this year? By taking a look at the stock's year-to-date performance in comparison to its Transportation peers, we might be able to answer that question.Teekay Tankers is one of 122 companies in the Transportation group. The Transportation group currently sits at #3 within the Zacks Sector Rank. The Zacks Sector Rank includes 16 different ...

For those looking to find strong Business Services stocks, it is prudent to search for companies in the group that are outperforming their peers. Is Experian PLC (EXPGY) one of those stocks right now? By taking a look at the stock's year-to-date performance in comparison to its Business Services peers, we might be able to answer that question.Experian PLC is a member of our Business Services group, which includes 257 different companies and currently sits at #8 in the Zacks Sector Rank. The Zacks Sector Ran ...