WSJ Markets & Finance | Banking | Heard on the Street

Are You Ultrarich, Rich or Merely Affluent? It Makes a Big Difference for Your Bank
The mass-affluent wealth market is a tempting way for the likes of UBS to gain scale, but the benefits for their core business could be scant

www.wsj.com/finance/banking/are-you-ultra-rich-rich-or-merely-affluent-it-makes-a-big-difference-for-your-bank-54222ebf?st=G78zt1&reflink=desktopwebshare_permalink

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WSJ Markets & Finance | Investing | Heard on the Street

How Booming Leveraged Funds Can Incinerate Your Money
Variants soon might include long-short funds resembling steel-cage matches

www.wsj.com/finance/investing/how-booming-leveraged-funds-can-incinerate-your-money-68241a9c?st=AUS3T4&reflink=desktopwebshare_permalink

-----------------------------

WSJ Economy | Trade

CEOs Want Trump to Change Course on Tariffs. He Isn’t Budging.
Companies mount a campaign to soften the president-elect’s trade policies, but Trump’s team tells consultants he is serious

www.wsj.com/economy/trade/trump-tariff-plan-business-lobbying-8f02ccea?st=Qc8APS&reflink=desktopwebshare_permalink

------------------------------

WSJ Technology

Apple Plans Thinner, Foldable iPhones to Revive Growth
Smartphone sales at the company have stagnated after years of largely minor upgrades to the devices

www.wsj.com/tech/apple-thin-iphone-foldable-computer-plans-dbb4286c?st=ofFaHv&reflink=desktopwebshare_permalink

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WSJ Business

Why Musk Doesn’t Have Access to SpaceX’s Biggest Government Secrets
Executives haven’t sought higher security clearance for the CEO to avoid questions about his drug use and contact with foreign officials; the answers might no longer matter

www.wsj.com/tech/musk-spacex-security-clearance-secrets-b9774346?st=9A5rCa&reflink=desktopwebshare_permalink

------------------------

WSJ Finance | Banking

The Drugs Young Bankers Use to Get Through the Day—and Night
Many on Wall Street see Adderall and Vyvanse as tools to plow through long hours of tedious work amid high-pressure competition

www.wsj.com/finance/banking/young-banker-finance-adhd-medication-adderall-d578a16f?st=2yXvod&reflink=desktopwebshare_permalink

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WSJ Lifestyle | Workplace | Work & Life

Someone’s Not Invited to the Holiday Party This Year: Your Spouse
The tradition of bringing a plus-one to the big company bash is fading out—and with it, a chance to know co-workers better

www.wsj.com/lifestyle/workplace/someones-not-invited-to-the-holiday-party-this-year-your-spouse-c92c86ab?st=xGZZMp&reflink=desktopwebshare_permalink

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WSJ Business | Media

Sorry, Mad Men. The Ad Revolution Is Here.
Two advertisers are combining into a $30 billion behemoth to harness the data, tech and AI expertise now dominating Madison Avenue—and all the marketing you see

www.wsj.com/business/media/advertising-revolution-artificial-intelligence-data-mad-men-omnicom-interpublic-3c0c056b?st=vKLF1S&reflink=desktopwebshare_permalink

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WSJ Personal Finance

Yes to Text Messages, No to Video: What Counts as a Will
Why the written word is still the final word in estate planning

www.wsj.com/personal-finance/his-will-was-a-selfie-video-but-courts-ruled-it-didnt-count-75e90cf8?st=hZBYos&reflink=desktopwebshare_permalink

--------------------------------

WSJ Heard on the Street

WSJ Exclusive | Business

CEOs Are Feeling a Lot More Upbeat About the New Year
Donald Trump’s win is boosting optimism among the world’s top executives

www.wsj.com/business/ceos-are-feeling-a-lot-more-upbeat-about-the-new-year-9fca7212?st=ZcC7zc&reflink=desktopwebshare_permalink

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WSJ Markets & Finance | Investing | The Intelligent Investor

What You Can Learn From Young Warren Buffett
A look at 10 of the legendary stockpicker’s early investments reveals his diligence, his patience—and his willingness to bet big

www.wsj.com/finance/investing/warren-buffett-early-investment-methods-brett-gardner-10e027fe?st=Fy5dPt&reflink=desktopwebshare_permalink

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WSJ Business | Telecom

Internet Plans Now Come With ‘Nutrition Labels.’ No One Knows How to Read Them.
Internet-service providers must disclose prices and speeds on labels like packaged foods—but consumers can’t find or understand them

www.wsj.com/business/telecom/internet-broadband-plan-labels-793cc460?st=wiAaMF&reflink=desktopwebshare_permalink

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WSJ Business | Retail

What Killed a $20 Billion Grocery Deal? Albertsons Says Kroger Did
In unsealed complaint, Albertsons claims that Kroger’s hubris and reluctance to divest of stores sank their merger; Kroger has said its rival breached the agreement

www.wsj.com/business/retail/what-killed-a-20-billion-grocery-deal-albertsons-says-kroger-did-7f39ab5f?st=ZLhDEa&reflink=desktopwebshare_permalink

--------------------------------

WSJ Markets & Finance

Apollo CEO’s Flirtation With Politics Brings New Urgency to Succession Planning
Marc Rowan is one of the few private-equity chiefs who hasn’t clearly designated an heir apparent

www.wsj.com/finance/apollo-ceos-flirtation-with-politics-brings-new-urgency-to-succession-planning-5829ad83?st=16jKpu&reflink=desktopwebshare_permalink

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WSJ Business | Hospitality | Heard on the Street

Cruise Lines Are Basking in Holiday Cheer
This ‘wave season’ is shaping up to be not only the strongest since the pandemic but also the best ever

www.wsj.com/business/hospitality/cruise-lines-are-basking-in-holiday-cheer-b0ca3e17?st=5yQwPy&reflink=desktopwebshare_permalink

WSJ Markets & Finance | Stocks | Streetwise

Why This Frothy Market Has Me Scared
When investors are wildly optimistic, it is much harder for the market to rise and much easier for it to fall on any hint that they might be wrong

www.wsj.com/finance/stocks/why-this-frothy-market-has-me-scared-295c07c3?st=XzzFDa&reflink=desktopwebshare_permalink

------------------------

WSJ Business

Panic at the Pub as U.K. Suffers Guinness Shortage
The Irish stout has soared in popularity in recent years, thanks in part to a social-media phenomenon

www.wsj.com/business/guinness-shortage-rising-demand-popularity-47400614?st=pkgpL4&reflink=desktopwebshare_permalink

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WSJ Markets & Finance

What’s Behind Masayoshi Son’s $100 Billion Pledge to Donald Trump
Following through will require some combination of a massive fundraising effort, new debt or selling chunks of his company’s holdings to raise cash

www.wsj.com/finance/softbank-ceo-trump-deal-ca0d3ab3?st=bQmL6j&reflink=desktopwebshare_permalink

-------------------

WSJ Business | Technology | Artificial Intelligence

Nvidia Introduces Device Aimed at Small Companies, Hobbyists for AI Use
At $249, new version of Jetson computer is half the price of its predecessor

www.wsj.com/tech/ai/nvidia-introduces-device-aimed-at-small-companies-hobbyists-3972ae41?st=BxaTYx&reflink=desktopwebshare_permalink

------------------------

WSJ Markets & Finance | Investing

Tech-Loving Hedge Funds Have a Crush on Utility Stocks
Coatue, Lone Pine and Third Point are placing their AI bets on power producers

www.wsj.com/finance/investing/ai-power-supply-hedge-funds-utility-companies-095c928a?st=Rp6h9y&reflink=desktopwebshare_permalink

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WSJ Health | Wellness

Your Blood Pressure Reading Is Probably Wrong
Dangling your arm, wearing the wrong size cuff and scrolling on your phone can make a reading higher or lower than it should be

www.wsj.com/health/wellness/blood-pressure-reading-wrong-902d9fbe?st=hf5mHA&reflink=desktopwebshare_permalink

--------------------------------

WSJ Lifestyle | Relationships | Elizabeth Bernstein

Why Do We Still Buy Gifts for Family if It Stresses Everyone Out?
The real holiday drama is the family gift-giving quagmire

www.wsj.com/lifestyle/relationships/christmas-holiday-gifts-family-tips-7b9f2e57?st=fWYbp3&reflink=desktopwebshare_permalink

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WSJ Economy | Housing

The Housing Affordability Crisis Is Going Global
Home prices and rents are rising faster than incomes in big cities in Europe and beyond. ‘The price in Ireland is mental.’

www.wsj.com/economy/housing/housing-affordability-crisis-europe-global-3e0d969a?st=LnjJkB&reflink=desktopwebshare_permalink

--------------------------------

WSJ Real Estate

GM Plans to Overhaul Detroit’s Iconic Towers. A Battle Is Brewing With Taxpayers.
The $1.6 billion proposal calls for $350 million in public subsidies

www.wsj.com/real-estate/gm-detroit-renaissance-center-overhaul-0765255a?st=5WL9CP&reflink=desktopwebshare_permalink

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WSJ CIO Journal

Oreo Owner Mondelez Taps AI to Tweak Its Classic Snacks
The cookie- and candy-maker’s R&D lab has gone into overdrive with AI, which is updating some of the company’s treats and spinning out new iterations. (Human tasters still required.)

www.wsj.com/articles/oreo-owner-mondelez-taps-ai-to-tweak-its-classic-snacks-6fa4c4cd?st=wp8JWN&reflink=desktopwebshare_permalink

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WSJ Business | Retail | Heard on the Street

Food Fight With Kroger Spells Trouble for Albertsons
Albertsons faces daunting challenges as a stand-alone company

www.wsj.com/business/retail/food-fight-with-kroger-spells-trouble-for-albertsons-279eb4b8?st=TsGB2z&reflink=desktopwebshare_permalink

----------------------------

WSJ Markets & Finance | Stocks | Heard on the Street

Broadcom’s AI Success Won’t All Come at Nvidia’s Expense
Latest trillion-dollar chip maker has strong AI growth prospects, but the shares are now trading at a premium to market leader

www.wsj.com/finance/stocks/broadcoms-ai-success-wont-all-come-at-nvidias-expense-65d4001e?st=3L2Ri1&reflink=desktopwebshare_permalink

Thanks for your concern. I have received PMs from nexona88 and solstice818 as well. So, let me address everything in one place, here.

7 of my IBKR posts, mainly concerning with semiconductor profit analysis and a bunch of industry news, were reported on the morning of 3rd of Dec.

By around 12.30pm noon (3rd of Dec), Lowyat Helpdesk slapped a permanent ban on my old TOS account, without any prior warnings.

i.imgur.com/WUY0bUk.jpeg

I could still login to my old account and received notifications on posts quoting me and PMs from some of you concerning my banned status, but all buttons are frozen and no matter which button I click, the page will just refresh and you arrive at the same page as shown in the screenshot above. So, I couldn't reply to any of your posts or PMs.

As you can see in the screenshot, Helpdesk claimed that the account was compromised and suspected the 7 posts were spams.

I emailed Helpdesk to file for an appeal the same day, arguing that business news were released on a rolling basis, not a bunch of news coming out in one lump sum. I understand LYN forum mods, admins and staffs are busy in real life, so I waited patiently, but two weeks later, I have yet to hear back from HelpDesk.

In the mean time, I checked back here daily and saw all of your concerns. There are people bouncing PMs along just to get my number... and MasBoleh! wrote an appeal PM on behalf of me to HelpDesk (no response received either). All of your kind efforts are very touching I have to say

So, two days ago I decided to register for a new account using invite code from Medufsaid and start over afresh.

I have yet to find out who reported 7 of my IBKR posts in a row, he's quite likely not a seasonal LYN member or some member who hardly visit the IBKR thread and surprised to find that the thread was full of my posts. That member is definitely still around here and I am yet to find out who he is. If my new account (this TOS2 account) is banned again, feel free to contact (via PM or any other means the recipient(s) and you both feel comfortable with):

dwRK
wongmunkeong
MasBoleh!
Takudan
elea88
Medufsaid

I have met with some of them in real life and they have my contact details on LinkedIn, WhatsApp and/or Telegram. I am more active on WhatsApp though not everyone likes that for privacy reasons, which is fine and understandable.

I don't quite understand the staff hierarchy here, but perhaps cherroy, MilesAndMore] or lucifah can shed some light on what is going on with HelpDesk etc. It would be nice to know some news from "upstairs" as I am in the dark as well. Thanks.

Yes as Medufsaid mentioned, I am now in probation mode, can't post URL links directly. You will have to copy and paste the link into a new tab on your browser and open the link to read the news article from there.

I have to remove the https:// manually, which is a hassle but this will only last for a couple of days (till I reach 50 posts), assuming I won't get banned again.

My apologies for the inconvenience caused.

--------------------------

Back to business.

WSJ Lifestyle | Travel

Hotels, Concert Venues Must Now Show All Hidden ‘Junk Fees’ Right Away
A new FTC rule requires businesses to display all fees for tickets or for lodging at the time of search

www.wsj.com/lifestyle/travel/ftc-ban-hidden-fees-event-hotel-concert-90e5caf9?st=qqguij&reflink=desktopwebshare_permalink

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WSJ Style | Design

What Our Pets Can Teach Us About the True Spirit of Giving
‘Do they know it’s Christmas time at all?’ wonders our columnist as she mulls what to buy her dogs for the holiday. Not exactly, say experts. But pets have a deep understanding of giving and receiving.

www.wsj.com/style/design/what-our-pets-can-teach-us-about-the-true-spirit-of-giving-aaebd4c1?st=cYLdHB&reflink=desktopwebshare_permalink

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WSJ Business

Grubhub to Pay $25 Million Over Inflated Delivery Costs, Deceptive Practices
Company will be required to disclose the true cost of delivery and stop adding ‘junk fees’ to orders, among other terms in the proposed settlement

www.wsj.com/business/grubhub-to-pay-25-million-over-inflated-delivery-costs-deceptive-practices-d1e9615b?st=nDo3Ss&reflink=desktopwebshare_permalink

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WSJ U.S. | U.S. Education News

Lawsuit Reveals How Colleges Really Talk About Rich Applicants
‘Sure hope the wealthy raise a few more smart kids!’ wrote one college enrollment officer, according to the suit

www.wsj.com/us-news/education/college-financial-aid-lawsuit-rich-students-families-c1a3a41c?st=Y3cbfU&reflink=desktopwebshare_permalink

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WSJ Economy | Central Banking

Will the Fed Keep Cutting in 2025?
Officials try to find a path to a ‘normal’ rate under the second Trump presidency

www.wsj.com/economy/central-banking/federal-reserve-interest-rates-2025-1c5cc687?st=HtbR9a&reflink=desktopwebshare_permalink

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WSJ Technology

His Startup Is Now Worth $62 Billion. It Gave Away Its First Product Free.
As CEO of Databricks, Ali Ghodsi has performed a series of ‘strategic surgeries’ to make his company one of the fastest-growing startups in Silicon Valley

www.wsj.com/tech/ali-ghodsi-databricks-ceo-ai-4a1043aa?st=o2TLDQ&reflink=desktopwebshare_permalink

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Bloomberg Markets

Bond Traders Target Deeper 2025 Fed Rate Cuts Than Market Expectations

SOFR options bets anticipate more than half-point of 2025 cuts
Fed funds futures trading wagers on cuts in next two meetings

www.bloomberg.com/news/articles/2024-12-17/bond-traders-target-deeper-2025-fed-rate-cuts-than-market-sees

Bloomberg Businessweek | The Year Ahead 2025

Private Credit Wants a Top Spot on Your Mobile Investing App
Nonbank lenders are making it easy for ordinary people to buy their products, as interest from institutions flatlines.

www.bloomberg.com/news/articles/2024-12-16/private-credit-firms-offer-etfs-for-your-robinhood-app

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Bloomberg Wealth

NYC’s Top Offices Spark a Wall Street Frenzy as Others Sit Empty
In the midst of an office market slump, some Manhattan buildings are so competitive to get into that tenants are battling for space.

www.bloomberg.com/news/features/2024-12-19/nyc-s-top-offices-spark-a-wall-street-frenzy-as-others-sit-empty

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WSJ Economy | Central Banking

The Next Big Fed Debate: Has the Era of Very Low Rates Ended?
Fed officials are trying to figure out the just-right interest rate. Some think they might already be close to that destination.

www.wsj.com/economy/central-banking/federal-reserve-interest-rates-2025-557b047e?st=1kschs&reflink=desktopwebshare_permalink

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WSJ Economy | Central Banking | Heard on the Street

Trump Isn’t President Yet. He’s Already Spooking the Fed.
Inflation risks from the incoming administration’s agenda can’t be ignored any longer

www.wsj.com/economy/central-banking/trump-isnt-president-yet-hes-already-spooking-the-fed-599e6e9b?st=EKxAga&reflink=desktopwebshare_permalink

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WSJ Markets & Finance | Heard on the Street

Short-Term Loans Get Just What They Need: A Long-Term Commitment
Buy now, pay later lending is attracting deep-pocketed lenders. It could be a win-win.

www.wsj.com/finance/short-term-loans-get-just-what-they-need-a-long-term-commitment-fa8977ec?st=2PDCHQ&reflink=desktopwebshare_permalink

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WSJ Economy | Capital Account

The Hidden Threat to National Security Is Not Enough Workers
Building a nuclear submarine is demanding, rewarding work—but it doesn’t pay very well

www.wsj.com/economy/the-hidden-threat-to-national-security-is-not-enough-workers-1dc7abe1?st=7NKxU9&reflink=desktopwebshare_permalink

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WSJ Markets & Finance | Stocks | Heard on the Street

2024 Has Been a Year of Extremes in the Stock Market. Can It Last?
As extended as some trends have become this year, investors shouldn’t assume they are about to revert to the mean

www.wsj.com/finance/stocks/2024-has-been-a-year-of-extremes-in-the-stock-market-can-it-last-52fc0126?st=6jjttC&reflink=desktopwebshare_permalink

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WSJ Business | Retail

The Risky Strategy Behind Nike’s Massive Holiday Discounts
Sneaker giant’s new CEO is trying to clear out inventory, pressuring retailer partners

www.wsj.com/business/retail/nike-holiday-discounts-elliott-hill-strategy-f18f7494?st=P97v5F&reflink=desktopwebshare_permalink

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WSJ Politics | Policy

The Top Secret Gift Shop Where You Need Clearance to Get In
Federal buildings house a network of stores most people will never see; CIA barbecue sauce and State Department bathrobe

www.wsj.com/politics/policy/cia-fbi-doj-state-department-gift-shops-95606578?st=NemBRv&reflink=desktopwebshare_permalink

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WSJ Markets & Finance | Personal Finance

They Look Like CDs, but They’re Annuities—and Sales Are Booming
The Fed’s high rates have sparked a boom in a long-overlooked investment, and sales show little sign of slowing

www.wsj.com/personal-finance/fixed-rate-annuities-sales-interest-rates-bb5e2c6d?st=rD7sxs&reflink=desktopwebshare_permalink

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WSJ Health | Healthcare

Why Are Americans Paying So Much More for Healthcare Than They Used to?
U.S. healthcare spending rose 7.5% to nearly $5 trillion last year, according to new government data. Worker shortages, hospital consolidation are among the reasons why.

www.wsj.com/health/healthcare/american-healthcare-spending-charts-explained-adaa0e23?st=xYh9HF&reflink=desktopwebshare_permalink

--------------------------------

WSJ Risk & Compliance Journal

Real-Estate Manager Lafayette Settles Covid Fraud Case
The $1 billion private investment firm counts Carlyle Group as a partner

www.wsj.com/articles/real-estate-manager-lafayette-settles-covid-fraud-case-8289f5ba?st=PHXw9E&reflink=desktopwebshare_permalink

---------------------------------

Not so related to business and finance

FT US politics & policy

Trump-backed deal to avert government shutdown fails in first House vote
Congress has until Friday to pass latest funding bill after president-elect helped kill the first version

www.ft.com/content/c42ec427-307a-4fe2-a4b7-9a1fce2de30a

-------------------------

Bloomberg Politics

What Actually Gets Shut Down When the Government Stops Spending

Travelers could face longer lines at airports with a shutdown
Four in ten federal workers could be furloughed without pay

www.bloomberg.com/news/articles/2024-12-19/what-actually-happens-when-the-us-government-shuts-down

--------------------------

Bloomberg Markets

US Yield Curve Is Steepest Since 2022 After Fed’s Rate-Cut Shift

Yield on policy-sensitive two-year notes slide Thursday
Ten-year yield rises above 4.5% as Fed signals less rate cuts

www.bloomberg.com/news/articles/2024-12-19/us-yield-curve-is-steepest-since-2022-after-fed-s-rate-cut-shift

-----------------------------

FT Opinion | Instant Insight

Investors only have themselves to blame as Jay Powell steals Christmas
The Fed chair’s apparent cooling on further interest rate cuts has gone down badly with markets

www.ft.com/content/24cf9b95-05ff-4d22-a284-6406c740f45e

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WSJ Business | Media

James Bond Outdueled Goldfinger and Dr. No. Can He Win a Battle With Amazon?
A clash between the Broccoli family, which has creative control over 007, and the e-commerce giant, which owns the franchise, has put Bond’s future on pause

www.wsj.com/business/media/james-bond-movies-amazon-barbara-broccoli-0b04f0db?st=tW2voR&reflink=desktopwebshare_permalink

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WSJ Technology | Personal Technology

The Year Everyone Started ‘Manifesting.’ Does It Work?
Positive thoughts and mantras can help when they go hand-in-hand with real-world actions

www.wsj.com/tech/personal-tech/the-year-everyone-started-manifesting-does-it-work-cc6e658f?st=4DaZMd&reflink=desktopwebshare_permalink

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WSJ Exclusive | Markets & Finance

Government Contractor KBR, Recently Hit by DOGE Fears, Draws Activist Investor
Irenic Capital believes KBR’s private-sector business has been undervalued

www.wsj.com/finance/government-contractor-kbr-recently-hit-by-doge-fears-draws-activist-investor-ab0cf1f9?st=Tt6YYF&reflink=desktopwebshare_permalink

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WSJ Markets & Finance

The Latest Clash of the Buyout Titans? Cheesy Holiday Videos
Season’s greetings videos from Blackstone and Apollo feature offbeat images including a CEO on horseback

www.wsj.com/finance/the-latest-clash-of-the-buyout-titans-cheesy-holiday-videos-2d0b2405?st=k9sdYs&reflink=desktopwebshare_permalink

Merry Christmas.

WSJ Markets & Finance | Investing | Heard on the Street

Why You May Want to Cheer for Money-Market Funds
Money funds remain an attractive place for excess cash and can help keep a lid on short-term borrowing costs

www.wsj.com/finance/investing/why-you-may-want-to-cheer-for-money-market-funds-a9475727?st=5mZcS1&reflink=desktopwebshare_permalink

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WSJ Business | Energy & Oil | Heard on the Street

China’s EV Boom Is Starting to Pinch Oil Producers
Big, integrated oil companies could face a double whammy from the shift in China’s car market

www.wsj.com/business/energy-oil/chinas-ev-boom-is-starting-to-pinch-oil-producers-649eee50?st=zxfAPU&reflink=desktopwebshare_permalink

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WSJ Markets & Finance | Stocks | Heard on the Street

These Are the Wildest, Weirdest Stock-Market Prices We’ve Ever Seen
Why pay $1 when you can pay $2 or $12 for the same thing? Here’s a tour through history’s most entertaining price anomalies

www.wsj.com/finance/stocks/these-are-the-wildest-weirdest-stock-market-prices-weve-ever-seen-2e0f8ab1?st=v4dHoA&reflink=desktopwebshare_permalink

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WSJ Technology | Heard on the Street

America’s Chip War With China Will Spread
Low-end legacy chips not subject to restrictions but vital to industry have given strength to Chinese manufacturers

www.wsj.com/tech/china-usa-chip-manufacturing-race-52419ca5?st=gTT7Fg&reflink=desktopwebshare_permalink

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WSJ Health | Pharma | Heard on the Street

There’s a New Obesity King
Eli Lilly is now comfortably ahead of Novo Nordisk in the race to dominate the market for obesity treatments

www.wsj.com/health/pharma/theres-a-new-obesity-king-ef5a4c8a?st=rebGMX&reflink=desktopwebshare_permalink

--------------------------------

WSJ Health | Healthcare | Heard on the Street

How American Health Insurance Got So Infuriating
UnitedHealthcare CEO shooting has sharpened the public’s focus on the role of private insurers, a necessary evil in the U.S. healthcare system

www.wsj.com/health/healthcare/american-health-insurance-denials-4f09c751?st=52c847&reflink=desktopwebshare_permalink

--------------------------------

WSJ Business | Airlines

American Airlines Delays Pile Up After Technical Issue
Carrier had briefly halted all flights ahead of the Christmas holiday

www.wsj.com/business/airlines/american-airlines-says-technical-issue-affecting-flights-a20839b3?st=wPfCxw&reflink=desktopwebshare_permalink

------------------------------

WSJ Personal Finance

A Credit-Score Hangover Is Hitting America’s Riskiest Borrowers
These borrowers are falling behind on payments after pandemic aid ran out and inflation skyrocketed

www.wsj.com/personal-finance/a-credit-score-hangover-is-hitting-americas-riskiest-borrowers-b292d08b?st=a5BvQA&reflink=desktopwebshare_permalink

------------------------------

WSJ Economy | Housing

Insurance and Taxes Now Cost More Than Mortgages for Many Homeowners
Ballooning expenses rewrite the math of homeownership

www.wsj.com/economy/housing/home-insurance-property-tax-vs-mortgage-cost-43ab76ed?st=WhwDPE&reflink=desktopwebshare_permalink

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WSJ Business | Energy & Oil | Heard on the Street

Driving an EV? Big Oil Hopes You Don’t Cut Down on Plastic Too
The oil-and-gas industry needs plastic production to rise to offset a decline in demand for transport fuel

www.wsj.com/business/energy-oil/driving-an-ev-big-oil-hopes-you-dont-cut-down-on-plastic-too-f70992e0?st=y2R7Rg&reflink=desktopwebshare_permalink

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WSJ U.S. | U.S. Education News | Heard on the Street

Elite Colleges Have a Looming Money Problem
Trump policies and high costs could make coming years a financial challenge for Harvard and other Ivies

www.wsj.com/us-news/education/elite-colleges-have-a-looming-money-problem-f20ba0fa?st=u37wUm&reflink=desktopwebshare_permalink

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WSJ Markets & Finance | Regulation

Banks Sue Federal Reserve Over ‘Lack of Transparency’ in Stress Testing
The Fed on Monday said it planned to overhaul the process

www.wsj.com/finance/regulation/banks-sue-federal-reserve-over-lack-of-transparency-in-stress-testing-0db6a002?st=jUpLYb&reflink=desktopwebshare_permalink

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WSJ Business

Nippon’s U.S. Steel Acquisition Plan Referred to Biden for Review
The Japanese company urged the U.S. president to reflect on the steps it has taken to address national-security concerns

www.wsj.com/business/nippon-steels-u-s-steel-acquisition-plan-referred-to-biden-for-review-62ee98c5?st=wSxtx5&reflink=desktopwebshare_permalink

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WSJ US News

‘Dreamers’ Make Emergency Plans as Trump Vows to Deport Millions
Students lacking permanent legal status are scrambling to prepare in case an immigration crackdown hits campuses

www.wsj.com/us-news/dreamers-make-emergency-plans-as-trump-vows-to-deport-millions-1e279f87?st=pBKYep&reflink=desktopwebshare_permalink

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WSJ Business

How a Telecom Bureaucrat Learned to Speak Trump
FCC regulator Brendan Carr parlayed cell-tower climbs and social-media acumen to become a leading figure in the next administration

www.wsj.com/business/brendan-carr-trump-fcc-pick-600c0c9b?st=bFUAzN&reflink=desktopwebshare_permalink

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WSJ Business | Media

Netflix’s Christmas NFL Playbook: Keep Fans—and the League—Happy
The streaming service is rolling out a Beyoncé halftime show and extra cameras for its first live NFL games

www.wsj.com/business/media/netflixs-christmas-nfl-playbook-keep-fansand-the-leaguehappy-e7d1ca68?st=7Aj9iB&reflink=desktopwebshare_permalink

----------------------------

WSJ Real Estate | Luxury Homes

The Second-Home Buyers Taking Venice Back From the Tourists
How a new wave of homeownership is helping to revive the city’s residential sector

www.wsj.com/real-estate/luxury-homes/venice-italy-housing-market-38732c86?st=t1uWEY&reflink=desktopwebshare_permalink

------------------------

WSJ Markets & Finance | Currencies

Justin Sun Wants to Be the Musk of Crypto
The Tron blockchain entrepreneur courts attention, and backs the president-elect

www.wsj.com/finance/currencies/justin-sun-wants-to-be-the-musk-of-crypto-932c3a08?st=Ymm5oX&reflink=desktopwebshare_permalink

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For extra reading:

WSJ Markets & Finance | Banking

The Bank Behind the Fintech Revolution Stumbles After Customer Funds Go Missing
Evolve Bank at its peak managed around $10 billion for financial technology firms, but is in turmoil following collapse of middleman Synapse

www.wsj.com/finance/banking/evolve-bank-struggles-missing-customer-funds-lost-clients-1d531fd3?st=XejBSj&reflink=desktopwebshare_permalink

------------------------------------

WSJ Markets & Finance | Currencies

Jump Trading Raked In Crypto Profits. Now It’s Paying a $123 Million Penalty.
Regulators fine a unit of the high-speed trading firm over its dealings with disgraced crypto tycoon Do Kwon

www.wsj.com/finance/currencies/jump-trading-raked-in-crypto-profits-now-its-paying-a-123-million-penalty-55ff563c?st=Z7HJRD&reflink=desktopwebshare_permalink

-------------------------------------

WSJ CFO Journal

As Tariffs Loom, How One Retailer Aims to Keep Prices Low on Nikes and Asics
Academy Sports & Outdoors expects to pass on any tariff costs to customers, but it still thinks it can beat competitors on pricing

www.wsj.com/articles/as-tariffs-loom-how-one-retailer-aims-to-keep-prices-low-on-nikes-and-asics-0fa995c7?st=boXzxA&reflink=desktopwebshare_permalink

-------------------------------------

WSJ Exclusive | Business

Who Will Take Over Samuel Adams After the King of Craft Beer? His Wife
Boston Beer Chairman Jim Koch says his wife, healthcare entrepreneur Cynthia Fisher, will inherit his controlling interest

www.wsj.com/business/samuel-adams-founder-jim-koch-boston-beer-shares-2a82f603?st=Dq1i5R&reflink=desktopwebshare_permalink

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WSJ Personal Finance

The Fee We’re Paying for Stolen Packages
Retailers are charging a few extra dollars on orders to protect customers against lost and stolen packages

www.wsj.com/personal-finance/package-theft-hidden-fee-higher-prices-325c4a34?st=FNruuQ&reflink=desktopwebshare_permalink

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WSJ SCIENCE SHORTS

They Died Together at Pompeii. Archaeologists Got Their Stories Wrong.
Jewelry, homes and other clues hinted at relationships. DNA reveals something different.

www.wsj.com/science/archaeology/pompeii-victims-archaeology-dna-86a7444e?st=pnyado&reflink=desktopwebshare_permalink

WSJ US News

America’s Biker Capital: Paradise for Riders, Hell for Leaders
Sturgis’s signature hog-wild event has helped fuel a City Hall exodus and political meltdown

www.wsj.com/us-news/sturgis-south-dakota-motorcycle-rally-tourism-54291fc5?st=PdNw7S&reflink=desktopwebshare_permalink

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WSJ Business | Autos

Trump’s Tariff Plan to Hit Affordable Cars the Hardest
The U.S. car industry has a ‘big case of anxiety’ about the president-elect’s proposed 25% tariff on imports from Mexico and Canada

www.wsj.com/business/autos/trump-tariff-plan-affordable-car-price-increase-1f3d4687?st=UFcmTf&reflink=desktopwebshare_permalink

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WSJ Technology | Artificial Intelligence

Microsoft Is Forcing Its AI Assistant on People—and Making Them Pay
The tech company has made Copilot part of its 365 subscription service in several markets and raised prices

www.wsj.com/tech/ai/microsoft-ai-assistant-copilot-365-suite-dfb293b3?st=RyW6o1&reflink=desktopwebshare_permalink

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WSJ Business | Energy & Oil

America’s Big Natural-Gas Footprint Is About to Get Even Bigger
Drillers are looking ahead to new export hubs and easier regulations under the coming Trump presidency

www.wsj.com/business/energy-oil/us-natural-gas-export-growth-higher-emissions-prices-a913a5d7?st=S7TuP7&reflink=desktopwebshare_permalink

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WSJ Lifestyle | Travel

Flying Was Already the Worst. Then America Stopped Using Headphones.
Some travelers are confronting people who think it’s OK to have phone conversations on speaker, but it doesn’t always end well

www.wsj.com/lifestyle/travel/travel-flight-delays-christmas-technology-delays-ea464fbe?st=W3NHCz&reflink=desktopwebshare_permalink

---------------------------------

WSJ Markets & Finance | Investing

The Hedge-Fund Trade of the Year: Betting on Argentina’s Chain-Saw-Wielding President
Investors have piled into Argentine assets this year, betting Javier Milei can revitalize the beleaguered South American economy

www.wsj.com/finance/investing/argentina-economy-stock-index-growth-milei-51b6253f?st=KMj1e6&reflink=desktopwebshare_permalink

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WSJ Personal Finance

When the Hassle of Moving Cash Is and Isn’t Worth It
Some savers say they’re done switching banks to chase higher yields

www.wsj.com/personal-finance/interest-rates-savings-high-yield-chasers-c70c0a32?st=UHyHQj&reflink=desktopwebshare_permalink

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WSJ Markets & Finance | Investing | Heard on the Street

The U.S. Needs a Productivity Miracle. It Might Just Get One.
Productivity growth holds the key to a better economy and a manageable budget deficit

www.wsj.com/finance/investing/the-u-s-needs-a-productivity-miracle-it-might-just-get-one-c1f4f8de?st=JkqTQJ&reflink=desktopwebshare_permalink

WSJ Markets & Finance | Investing | Heard on the Street

What the Record Wave of New 65-Year-Olds Means for Wall Street
Financial institutions will profit from the shifting of retirement assets, but also face repayment risk from some seniors

www.wsj.com/finance/investing/us-record-65-year-olds-economic-impact-8f5ea152?st=3YRueD&reflink=desktopwebshare_permalink

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WSJ Business | Deals

The Celebrity Activist Investor Is Going Extinct
Turns out you don’t need a tough activist reputation to spur change at companies anymore

www.wsj.com/business/deals/activist-investors-shift-smaller-carl-icahn-nelson-peltz-6a5eb168?st=86PRDp&reflink=desktopwebshare_permalink

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WSJ World | Europe

Germany Opened Its Doors to Migrants. Now It’s Struggling to Cope.
Even before Christmas market attack, nation was straining under influx; economy needs new workers

www.wsj.com/world/europe/germany-immigration-struggles-election-8dfd4b65?st=GkCAMx&reflink=desktopwebshare_permalink

----------------------------

WSJ Economy | Central Banking

The Fed Is Trying—Again—to Size Up Trump
Heading into a new year with a new administration, policymakers project fewer cuts and somewhat more stubborn inflation

www.wsj.com/economy/central-banking/the-fed-is-tryingagainto-size-up-trump-77c8fc9b?st=vaGeCN&reflink=desktopwebshare_permalink

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WSJ World | Americas

Mexico Worries Trump Will Order Strikes Against Drug Cartels
Mexico’s new president cracks down on organized crime to blunt criticism from incoming U.S. administration

www.wsj.com/world/americas/trump-mexico-drug-cartel-fentanyl-us-military-fb9f193c?st=mVdDhV&reflink=desktopwebshare_permalink

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WSJ Personal Finance | Taxes | Tax Report

How to Avoid Costly Tax Blunders in 2025
Make a New Year’s resolution for your taxes. Here are five to consider.

www.wsj.com/personal-finance/taxes/avoid-tax-mistakes-2025-9e555607?st=7AHmti&reflink=desktopwebshare_permalink

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WSJ Business | Airlines

Their Decisions Make or Break Your Holiday Travel at the Trickiest U.S. Airport
Inside the tower where rapid-fire calls on delayed flights, luggage, crews and more happen all day long

www.wsj.com/business/airlines/united-airlines-newark-holiday-air-traffic-26abe139?st=yJzhn3&reflink=desktopwebshare_permalink

---------------------------------

WSJ Business

Railroad Labor Deals Are Messy. One CEO Is Throwing Out the Playbook.
CSX boss Joe Hinrichs opts to negotiate directly with unions, skipping coalition bargaining

www.wsj.com/business/railroad-labor-union-contract-joe-hinrichs-approach-3cdca5d9?st=8B5sxb&reflink=desktopwebshare_permalink

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WSJ Economy | Central Banking | Heard on the Street

The Biggest Losers From High U.S. Rates Might Be Abroad
Though the European economy is far weaker, central banks there might keep following the Federal Reserve’s cue

www.wsj.com/economy/central-banking/the-biggest-losers-from-high-u-s-rates-might-be-abroad-aa66eb3f?st=5WXjn3&reflink=desktopwebshare_permalink

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WSJ Business | Media | Heard on the Street

Netflix’s Big Game Is Just Getting Started
Foray into live sports caps a strong year, but stock’s rich valuation sets a high bar for follow-up act

www.wsj.com/business/media/netflix-2024-performance-2025-outlook-0af746a8?st=gRrreA&reflink=desktopwebshare_permalink

Bloomberg | The Big Take

How Thousands of Middlemen Are Gaming the H-1B Program
New data reveal how companies that farm out IT workers exploit flaws in the visa lottery while other US businesses and talented immigrants lose out.

www.bloomberg.com/graphics/2024-staffing-firms-game-h1b-visa-lottery-system/?srnd=homepage-asia

-----------------------------------

Bloomberg Businessweek

Elon Wants YOU to Have More Babies
Musk, father of at least 12, has been quietly buying mainstream respectability for fringe theories about a coming population collapse.

www.bloomberg.com/features/2024-elon-musk-population-collapse-baby-push/?srnd=homepage-asia

---------------------------------

Bloomberg Businessweek | The Big Take

The Deadly Mining Complex Powering the EV Revolution
Nickel is pouring into the supply chain from an Indonesian industrial park with a history of fatal accidents.

www.bloomberg.com/features/2024-indonesia-sulawesi-nickel-fire/?srnd=homepage-asia

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Bloomberg Businessweek | The Big Take

The Man Who Made Nike Uncool
Instead of transforming the sneaker giant into a high-tech powerhouse, John Donahoe pissed off partners and disappointed fans.

www.bloomberg.com/news/features/2024-09-13/nike-nke-stock-upheaval-defines-ceo-john-donahoe-s-tenure?srnd=homepage-asia

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Bloomberg Markets

What a World Growing Older Fast Means for Investing
A growing number of money managers say it’s time to get portfolios ready for a population shift

www.bloomberg.com/news/articles/2024-05-21/what-a-world-growing-older-fast-means-for-investing?srnd=homepage-asia

--------------------------------

Bloomberg Business | Big Take Podcast (With transcript)

How Frequent Flyer Programs Got So Complicated
On today’s Big Take podcast: Airline loyalty programs have evolved into a complex system that can mystify consumers but earns billions for airlines.

www.bloomberg.com/news/articles/2024-12-27/points-miles-tiers-how-airline-loyalty-programs-got-so-complicated?srnd=homepage-asia

WSJ Business | Energy & Oil

U.S. Shale Is Growing Old. That’s a Problem for Donald Trump’s Oil Plans.
Disciplined crude giants have replaced the unruly band of frackers who led the shale boom

www.wsj.com/business/energy-oil/us-shale-trump-oil-policy-1a001e6c?st=4a73nN&reflink=desktopwebshare_permalink

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WSJ Politics | Policy

Yellen Says ‘Extraordinary Measures’ to Avoid Default Will Start in Mid-January
Congress needs to act by this summer to raise the nation’s debt ceiling

www.wsj.com/politics/policy/yellen-says-extraordinary-measures-to-avoid-default-will-start-in-mid-january-a8337ccf?st=XnAidj&reflink=desktopwebshare_permalink

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WSJ Health | Healthcare

Even for an Executive Used to Crises, Andrew Witty Is Being Tested at UnitedHealth
Andrew Witty seeks to calm employees and keep the company growing while facing public outrage over health-insurer practices

www.wsj.com/health/healthcare/united-health-ceo-andrew-witty-brian-thompson-65cdd671?st=SYU88e&reflink=desktopwebshare_permalink

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WSJ Markets & Finance | Investing

He Lost 35% Ignoring 2024’s Biggest Trades: ‘I Am Not Good at What I Am Doing’
Richard Toh’s raw mea culpa details how he ignored Nvidia and bitcoin and misread tariffs

www.wsj.com/finance/investing/richard-toh-kenrich-partners-hedge-fund-losses-07807134?st=jogA13&reflink=desktopwebshare_permalink

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WSJ Markets & Finance | Investing

A Thrill-Seeking Trade Amps Up Heading Into 2025
Stock options are soaring with everyday investors wagering on market whipsaws

www.wsj.com/finance/investing/a-thrill-seeking-trade-amps-up-heading-into-2025-acda6cb8?st=gekkKb&reflink=desktopwebshare_permalink

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WSJ Real Estate

The Data-Center Boom Eats Up a Lot of Land. Atlanta Says It’s Gone Too Far.
Artificial intelligence race fuels a rush for big computing facilities that provide plenty of power

www.wsj.com/real-estate/data-center-land-use-atlanta-georgia-bd6a2f93?st=ow8cdA&reflink=desktopwebshare_permalink

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WSJ Business | Hospitality

The Epic Mess at TGI Fridays
The chain that spread happy hour and family dining across America has vacated its headquarters and left bills unpaid. One restaurant owner sees a revival plan.

www.wsj.com/business/hospitality/tgi-fridays-bankruptcy-what-went-wrong-a8905caf?st=Dopu2Q&reflink=desktopwebshare_permalink

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WSJ Business | Retail

Big Lots Reaches Deal With Gordon Brothers to Keep Hundreds of Stores Open
The discount retailer filed for bankruptcy in September

www.wsj.com/business/retail/big-lots-reaches-deal-with-gordon-brothers-to-keep-hundreds-of-stores-open-eda7ca60?st=gaSLv4&reflink=desktopwebshare_permalink

WSJ Lifestyle | Careers

Where Have All the Managers Gone?
Companies’ quest to purge bosses is seizing up job and promotion opportunities. Workers have had to adjust.

www.wsj.com/lifestyle/careers/management-jobs-shrinking-white-collar-workers-cc761cb7?st=mkaCoq&reflink=desktopwebshare_permalink

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WSJ Markets & Finance | Investing

A Record-Shattering $1 Trillion Poured Into ETFs This Year
Assets in U.S. exchange-traded funds grew by more than 30% in 2024

www.wsj.com/finance/investing/investing-exchange-traded-funds-2024-4e047e8b?st=j2F9d4&reflink=desktopwebshare_permalink

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WSJ Markets & Finance | Stocks | Streetwise

What I Got Right About Markets in 2024—And Very Wrong
The economy, AI and Donald Trump all threw our columnist some curveballs

www.wsj.com/finance/stocks/what-i-got-right-about-markets-in-2024and-very-wrong-94b56f95?st=MNMVBy&reflink=desktopwebshare_permalink

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WSJ Health | Healthcare

UnitedHealth’s Army of Doctors Helped It Collect Billions More From Medicare
The biggest Medicare Advantage insurer presented physicians with checklists of potential diagnoses; ‘I didn’t think I was obese’

www.wsj.com/health/healthcare/unitedhealth-medicare-payments-doctors-c2a343db?st=TW9TJo&reflink=desktopwebshare_permalink

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WSJ Business | Retail

How a $12.98 T-Shirt Is Made in America—at a Profit
American Giant invested in machinery and made design changes to produce inexpensive T-shirts for Walmart

www.wsj.com/business/retail/america-made-shirts-american-giant-6fb4ae70?reflink=desktopwebshare_permalink

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WSJ Personal Finance | Retirement

Even Rich Retirees Fear Outliving Their Money
Spending makes retirees happier. Many are afraid to do it.

www.wsj.com/personal-finance/retirement/retirement-spending-longer-life-savings-4b511053?st=Lwe2T1&reflink=desktopwebshare_permalink

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WSJ Health | Wellness

Is Your Food Healthy? Take Our Quiz to Find Out
After 30 years, the FDA redefines which foods can carry that claim

www.wsj.com/health/wellness/healthy-food-quiz-fda-4d41ae56?st=DiZVdH&reflink=desktopwebshare_permalink

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WSJ Markets & Finance | Stocks | Heard on the Street

Modelo Brewer Constellation Brands Awaits Fateful Decision on Tariffs
Trump’s trade warning poses threat to company’s Mexican beer labels

www.wsj.com/finance/stocks/modelo-brewer-constellation-brands-awaits-fateful-decision-on-tariffs-7a7513e8?st=mH72Zr&reflink=desktopwebshare_permalink

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WSJ Business

Corporate America Drew Back From DEI. The Upheaval Isn’t Over.
From Ford to Walmart, some big companies dialed back diversity efforts as activists pressed. Under the next Trump administration, the pressure will grow.

www.wsj.com/business/corporate-dei-policy-changes-pull-back-33fdab87?st=oUqtZp&reflink=desktopwebshare_permalink

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WSJ Business | Autos

Discounts on the Dealership Lot Lift Car Sales
Some automakers have seen inventory jump to prepandemic levels, prompting them to spend more on promotions

www.wsj.com/business/autos/auto-industry-sales-tariff-outlook-25bfc816?st=A3P4Kr&reflink=desktopwebshare_permalink

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WSJ Business | Deals

Trump’s Return Sparks Hope for 2025 Deals Revival
Dealmakers say less regulation, lower interest rates and rising stock markets could fuel activity. But ‘people really don’t know,’ one banker says.

www.wsj.com/business/deals/trump-regulations-deal-market-activity-3de24def?st=aqsA8z&reflink=desktopwebshare_permalink

---------------------------------

WSJ Health | Pharma | Heard on the Street

Drug Middlemen Spared by Trump and Musk, for Now
Pharmacy-benefit managers are facing intense pressure in Washington

www.wsj.com/health/pharma/drug-middlemen-spared-by-trump-and-musk-for-now-083b7ded?st=w7jP7V&reflink=desktopwebshare_permalink

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WSJ Markets & Finance | Banking | Heard on the Street

Why 2025 Could Be a Great Year for Big Banks
After a few bumpy years of both successes and setbacks, lenders might finally be firing on all cylinders

www.wsj.com/finance/banking/why-2025-could-be-a-great-year-for-big-banks-0c90310c?st=ZfHdfN&reflink=desktopwebshare_permalink

Happy New Year everyone.

Bloomberg Markets | The Big Take

Treasury’s Elite Bond Dealers Will Struggle to Handle $50 Trillion Debt
As US debt balloons, firms that play a vital role in ensuring the biggest bond market works properly warn of the risk of growing pressures.

www.bloomberg.com/news/features/2024-12-30/federal-debt-grows-as-treasury-bond-dealers-warn-of-market-pressures?srnd=homepage-asia

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Bloomberg Markets | Currencies

Hong Kong Dollar Strongest Since 2021 on Record Funding Costs
Overnight Hibor rises to record on year-end demand surge
Chinese firms’ increased dividend payouts also a factor

www.bloomberg.com/news/articles/2024-12-30/hong-kong-dollar-hits-highest-since-2021-as-funding-costs-jump?srnd=homepage-asia

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WSJ Markets & Finance | Investing

Do I Get Rich, or Go Bust? These Tools Predicted My Financial Future
Stress-test your money with math developed for nuclear bombs

www.wsj.com/finance/investing/financial-planning-fortune-tellers-aee6eee1?st=Xbg3GT&reflink=desktopwebshare_permalink

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WSJ Lifestyle

An Asian Icon Is Facing Extinction: The Volunteers Who Help Drivers Make U-Turns
Indonesia’s cashless push leaves less change for its unofficial traffic controllers, who work for tips; ‘no small money for small people’

www.wsj.com/lifestyle/traffic-controllers-drivers-indonesia-jakarta-6a542f45?st=75AkJ4&reflink=desktopwebshare_permalink

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WSJ TECH | AI | BUSINESS | SCIENCE OF SUCCESS

It’s the Most Indispensable Machine in the World—and It Depends on This Woman
I got a rare look at the one tool responsible for all the tech in your life. It’s made by a company you’ve never heard of. And it’s maintained by hidden figures like her.

www.wsj.com/tech/ai/asml-euv-machine-lithography-chips-967954d0?st=QLwvCx&reflink=desktopwebshare_permalink

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WSJ CFO Journal

Credit Spreads Haven’t Looked This Good Since the 2000s. Can They Get Better?
Corporate bond issuance surged in 2024, fueled by spreads that hit historically low levels

www.wsj.com/articles/credit-spreads-havent-looked-this-good-since-the-2000s-can-they-get-better-bfcf6094?st=BPxoPd&reflink=desktopwebshare_permalink

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WSJ Markets & Finance | Currencies

Crypto Has an Ally in the White House. What’s Ahead for Digital Currencies in 2025.
Bitcoin prices recently passed $100,000 for the first time and have more than doubled this year

www.wsj.com/finance/currencies/crypto-bitcoin-policy-2025-c9fae2c2?st=v2Nvjk&reflink=desktopwebshare_permalink

WSJ Markets & Finance | Regulation

SEC Writes Off $10 Billion in Fines It Can’t Collect
Internal data shows securities enforcers bring in far less money than their cases indicate

www.wsj.com/finance/regulation/sec-fines-penalties-collection-write-off-071cb768?st=xvRJ8V&reflink=desktopwebshare_permalink

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WSJ Markets & Finance | Stocks

Stocks Cap Best Two Years in a Quarter-Century
Some investors caution against thinking that the rapid pace of gains can continue because interest rates may remain higher than anticipated

www.wsj.com/finance/stocks/stocks-on-pace-for-best-two-years-in-a-quarter-century-c5b5f9b3?st=iLwC6d&reflink=desktopwebshare_permalink

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WSJ Economy | Essay

What Happens When a Whole Generation Never Grows Up?
As American 30-somethings increasingly bypass the traditional milestones of adulthood, economists are warning that what seemed like a lag may in fact be a permanent state of arrested development.

www.wsj.com/economy/what-happens-when-a-whole-generation-never-grows-up-d200e9ef?st=oY4Adh&reflink=desktopwebshare_permalink

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WSJ Economy | Jobs

The Visas Dividing MAGA World Help Power the U.S. Tech Industry
H-1B program lets companies fill roles for software developers, engineers, other tech jobs

www.wsj.com/economy/jobs/the-visas-dividing-maga-world-help-power-the-u-s-tech-industry-93b77afe?st=GAcnEN&reflink=desktopwebshare_permalink

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WSJ U.S.

The Levi Strauss Heir Elected to Save San Francisco
A mayor-elect with ties to the tech sector but no political experience plans to take a heavy-handed approach to turning the city around

www.wsj.com/us-news/the-levi-strauss-heir-elected-to-save-san-francisco-e9bac75e?st=SUC3RA&reflink=desktopwebshare_permalink

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WSJ Markets & Finance | Commodities & Futures

Why Breakfast Is Busting Your Food Budget
Market prices for coffee, orange juice hit record highs, fueling sharply higher bills for some grocery staples

www.wsj.com/finance/commodities-futures/why-breakfast-is-busting-your-food-budget-a52165e7?st=4UPHRE&reflink=desktopwebshare_permalink

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WSJ Real Estate

Is Living on Top of a Costco the Answer to Affordable-Housing Crisis?
New development in Los Angeles includes plans for 800 apartments, pool above bulk-goods warehouse

www.wsj.com/real-estate/is-living-on-top-of-a-costco-the-answer-to-the-affordable-housing-crisis-ed3e8bf3?st=TY3ZmK&reflink=desktopwebshare_permalink

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WSJ Health | Wellness

Want to Lose Weight This Year? Start With What You Drink
Sugary drinks are sneakier than equally high-calorie foods—and even diet soda can affect your metabolism

www.wsj.com/health/wellness/weight-loss-calories-drink-d627e4c9?st=ZLDEyU&reflink=desktopwebshare_permalink

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WSJ Finance | Investing

How Five Pros Are Inflation-Proofing Their Investments
Some on Wall Street think the fight to stabilize prices isn’t over

www.wsj.com/finance/investing/how-five-pros-are-inflation-proofing-their-investments-a1c26770?st=FTAuS3&reflink=desktopwebshare_permalink

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WSJ Journal Reports: Investing Monthly | Retirement Rookies

Our Retirement Goal for 2025: Make Home a Place of Comfort—and Change
It isn’t always easy for us to be content staying put. The answer may be to look for new experiences in our own backyard. Pickleball, anyone?

www.wsj.com/articles/our-retirement-goal-for-2025-make-home-a-place-of-comfortand-change-4b90750b?st=GnPcPD&reflink=desktopwebshare_permalink

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WSJ Business | Media

Advertisers Keep Avoiding News Sites, and Publishers Have Had Enough of It
Brands are skittish about appearing near stories on politics and violence, but news outlets say their fears are overblown

www.wsj.com/business/media/advertisers-keep-avoiding-news-sites-and-publishers-have-had-enough-of-it-e9e4ab83?st=Kk4272&reflink=desktopwebshare_permalink

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WSJ Business | Media

Justin Baldoni Sues New York Times, Escalating Feud Involving ‘It Ends With Us’ Co-Star Blake Lively
Recent Times article detailed an alleged smear campaign involving film’s director and his publicists; Lively files fresh suit against co-star and others

www.wsj.com/business/media/justin-baldoni-sues-new-york-times-escalating-feud-involving-it-ends-with-us-co-star-blake-lively-4275c1b7?st=AEfahH&reflink=desktopwebshare_permalink

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WSJ Business | Energy & Oil

Green-Energy Firms’ Pitch to Trump: You’re Going to Need a Lot of Power
Instead of touting projects as ‘clean and affordable,’ renewables firms highlight their projects’ ability to meet energy needs

www.wsj.com/business/energy-oil/green-energy-firms-pitch-to-trump-youre-going-to-need-a-lot-of-power-77b74754?st=UMSJpC&reflink=desktopwebshare_permalink

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WSJ Business | Airlines | Heard on the Street

Intel’s Grim Lesson for Boeing: Sometimes Mr. Fix-It Is Too Late
Like Intel’s ex-CEO, Boeing’s Ortberg is a technically minded leader tasked with rescuing a storied American manufacturer damaged by bean counters

www.wsj.com/business/airlines/intels-grim-lesson-for-boeing-sometimes-mr-fix-it-is-too-late-99d49784?st=TFTuUc&reflink=desktopwebshare_permalink

WSJ Exclusive | Banking

Nazi Ties to Credit Suisse Ran Deeper Than Was Known, Hidden Files Reveal
Fresh look at archives unearthed Nazi-linked accounts discovered by bank in 1990s but never disclosed to investigators

www.wsj.com/finance/banking/nazi-ties-to-credit-suisse-ran-deeper-than-was-known-hidden-files-reveal-285ab620?st=4swYJa&reflink=desktopwebshare_permalink

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WSJ Technology | Keywords: Christopher Mims

Intel’s Problems Are Even Worse Than You’ve Heard
There is fresh evidence the once-mighty innovator is losing market share in more areas

www.wsj.com/tech/intel-microchip-competitors-challenges-562a42e3?st=ZNFcNq&reflink=desktopwebshare_permalink

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WSJ Real Estate | Commercial | Heard on the Street

Retail Is Fashionable With Property Investors Again, but Only the Unflashy Kind
More people than ever are running errands at their neighborhood shopping center. Supply of this type of property is surprisingly scarce.

www.wsj.com/real-estate/commercial/retail-is-fashionable-with-property-investors-again-but-only-the-unflashy-kind-58aedd3e?st=peSvKM&reflink=desktopwebshare_permalink

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WSJ Business

He’s a Factory Owner and Friends With Trump. That Makes Tariffs Personal.
Casino billionaire Phil Ruffin also owns a small Kansas factory that relies on some parts from China

www.wsj.com/business/hes-a-factory-owner-and-friends-with-trump-that-makes-tariffs-personal-7da3638f?st=qGNruV&reflink=desktopwebshare_permalink

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WSJ Business | Autos

What Car Sales Can Tell Us About the U.S. Auto Market Right Now
Demand for pickup trucks and hybrid vehicles helps automakers increase deliveries; challenges loom for 2025

www.wsj.com/business/autos/gm-ford-toyota-post-u-s-sales-gains-in-2024-da832420?st=s5EQyU&reflink=desktopwebshare_permalink

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WSJ Business | Airlines

Boeing Adds More Surprise Quality Checks in Its Factories
Jet maker outlines moves taken to address concerns about production problems, a year after Alaska Airlines incident

www.wsj.com/business/airlines/boeing-factory-quality-safety-checks-165b1f90?st=9KrKav&reflink=desktopwebshare_permalink

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WSJ Markets & Finance | Investing

Venture Capitalist Sues Paypal Over Funding Program for Minority Startups
Asian-American fund manager accuses payments company of discrimination by ignoring her application under $100 million initiative

www.wsj.com/finance/investing/venture-capitalist-sues-paypal-over-funding-program-for-minority-startups-d6b2a704?st=S3T6Gt&reflink=desktopwebshare_permalink

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WSJ Economy | Jobs

The American Worker Is Becoming More Productive
U.S. workers are getting more done. That’s great for the economy—though not always great for workers.

www.wsj.com/economy/jobs/worker-productivity-america-growing-36f4c90c?st=fDZnjv&reflink=desktopwebshare_permalink

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WSJ Personal Finance | Savings | Young Money

The Secret to Staying on Budget: Set Aside Money for Splurging
I keep a tight rein on my spending throughout the year. But for my birthday, I focus on what I want, not just what I need.

www.wsj.com/personal-finance/savings/budget-tips-how-to-splurge-special-occasions-c7d1b207?st=u94KLs&reflink=desktopwebshare_permalink

WSJ Exclusive | Markets & Finance

Centerview Partners Considers a Deal of Its Own After Record Year
The boutique bank, long seen as a holdout, could sell a stake after recent interest from big investors

www.wsj.com/finance/centerview-partners-bank-deals-3c24db25?st=q5HZGH&reflink=desktopwebshare_permalink

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WSJ Markets & Finance | Investing

In Times of Economic-Policy Uncertainty, It May Be Best to Avoid Stocks
Research suggests that stocks, and especially small-caps, outperform bonds when uncertainty falls. But bonds are the place to be when uncertainty flares, as it has recently.

www.wsj.com/finance/investing/investing-economic-policy-stocks-bonds-9df8ca33?st=GKqyRh&reflink=desktopwebshare_permalink

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WSJ Markets & Finance | Investing | Quarterly Monitor

Stock Funds Rose 17.4% in 2024
Large-cap growth funds led the pack, with a nearly 30% gain, as investors anticipated more cuts in interest rates. Plus: A flashback to 25 years ago, the merger of AOL and Time Warner.

www.wsj.com/finance/investing/stock-growth-2024-large-cap-funds-57671344?st=RkRQ8E&reflink=desktopwebshare_permalink

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WSJ Markets & Finance | Commodities & Futures

Global Mining’s Dangerous New Reality: Guns, Hostages, Arrests
With the U.S. and China intensifying demand for critical metals and minerals, host countries are making hostile plays for more of the profits

www.wsj.com/finance/commodities-futures/global-minings-dangerous-new-reality-guns-hostages-arrests-63868366?st=GBtbaU&reflink=desktopwebshare_permalink

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WSJ Economy | Jobs

Unemployed Office Workers Are Having a Harder Time Finding New Jobs
More than 1.6 million unemployed workers have been job hunting for at least six months

www.wsj.com/economy/jobs/job-search-workers-unemployment-months-5a4cfcee?st=jTCqiR&reflink=desktopwebshare_permalink

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WSJ Personal Finance | Credit

One Man’s Attempt to Get a Perfect 850 Credit Score
The grade of financial health, once tucked away on loan applications, has become an everyday obsession for more Americans

www.wsj.com/personal-finance/credit/perfect-credit-score-achievement-02cb2ec2?st=haCjgB&reflink=desktopwebshare_permalink

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WSJ U.S. | U.S. Education News

Long the Star Pupils, Girls Are Losing Ground to Boys
Girls have suffered greater test-score declines than boys

www.wsj.com/us-news/education/test-scores-girls-boys-learning-loss-db020858?st=WBgEgC&reflink=desktopwebshare_permalink

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WSJ Lifestyle | Careers

Want a Raise in 2025? Start Your Wins List Now
Whether you need to pitch or defend yourself, documentation is your friend

www.wsj.com/lifestyle/careers/work-promotion-raise-strategy-taking-notes-fa677313?st=ytYrXL&reflink=desktopwebshare_permalink

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WSJ Science | Space & Astronomy

There’s a Traffic Jam Forming at U.S. Rocket Launchpads
The nation’s busiest spaceports are fielding record demand, spurring new efforts to develop launch sites in landlocked states and even at sea

www.wsj.com/science/space-astronomy/rocket-launch-pads-texas-california-c180c7e5?st=PJ8PST&reflink=desktopwebshare_permalink

WSJ World | Europe

Elon Musk Is Roiling European Politics
Trump ally has flooded X with posts criticizing European politicians, causing a diplomatic conundrum for the continent’s leaders

https://www.wsj.com/world/europe/elon-musk-...share_permalink

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WSJ Business | Airlines

Can Boeing Be Fixed? Aerospace Leaders Offer a Repair Manual
Restore trust and forget the stock price: Experts from inside and outside the company share advice for the troubled jet maker

https://www.wsj.com/business/airlines/boein...share_permalink

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WSJ Markets & Finance | Stocks | Heard on the Street

Healthcare Stocks Are Down and Out. Opportunities Abound.
The entire healthcare space is struggling, from pharma to hospitals

https://www.wsj.com/finance/stocks/healthca...share_permalink

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WSJ Business | Energy & Oil

Phillips 66 to Buy EPIC NGL for $2.2 Billion
The deal is expected to help Phillips’s per-share earnings, though its closing is subject to customary conditions

https://www.wsj.com/business/energy-oil/phi...share_permalink

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WSJ Business | Energy & Oil

Stryker to Acquire Inari Medical in Deal Valued at $4.9 Billion
Directors at both companies have approved the transaction

https://www.wsj.com/business/energy-oil/str...share_permalink

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WSJ Economy | Central Banking

Fed Vice Chair Barr Steps Down to Sidestep Potential Legal Battle With Trump
Barr will resign from his position in February while staying on as a Fed governor

https://www.wsj.com/economy/central-banking...share_permalink

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WSJ Business | Media

Disney and FuboTV to Merge Live TV Streaming Services
The deal would combine Hulu + Live with Fubo, end litigation against Venu Sports joint streaming service

https://www.wsj.com/business/media/disney-a...share_permalink

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WSJ Science

How Do People Survive Plane Crashes That Kill Nearly Everyone Else?
Lots of variables determine a flight’s survivability, including the location of the seat—and luck

https://www.wsj.com/science/plane-crash-sur...share_permalink

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WSJ Exclusive | Real Estate | Luxury Homes

Inside the Most Expensive ZIP Code in Hawaii
Despite its chill, laid-back vibe, Kilauea packs an expensive punch when it comes to real estate

https://www.wsj.com/real-estate/luxury-home...share_permalink

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WSJ Technology

How Uber and Lyft Are Gearing Up for the Robotaxi Revolution
After ending their own driverless plans, the ride-sharing companies are embracing autonomous-vehicle operators and offering new app features

https://www.wsj.com/tech/uber-lyft-self-dri...share_permalink

Bloomberg Opinion

How a $2.6 Trillion Fund Was Taken for a Ride
A front-running scandal shows how tough it is for large investors to trade Indian stocks without tipping their hand.

(by Andy Mukherjee, Columnist)

https://www.bloomberg.com/opinion/articles/...a-ride-in-india

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WSJ Markets & Finance | Investing | Heard on the Street

Your Fancy, New ETF Might Be a Little Too Fancy
Exchange-traded funds have mostly been great investments, but they are getting too complex for their own good

https://www.wsj.com/finance/investing/your-...share_permalink

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WSJ Business | Energy & Oil

The Billionaire Mining Magnate Who Bet Coal Had a Future—And Won Big
The U.K. closed its last coal-powered plant, but 76-year-old Low Tuck Kwong ignored naysayers and built a fortune from the world’s dirtiest fossil fuel

https://www.wsj.com/business/energy-oil/coa...share_permalink

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WSJ Business | Energy & Oil

ExxonMobil Earnings to Fall on Lower Oil Prices
Receding liquids prices to lower its upstream earnings by $500 million to $900 million, the company says

https://www.wsj.com/business/energy-oil/exx...share_permalink

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WSJ Business | Earnings

Samsung Expects Further Slowdown in Operating Profit Growth
The world’s largest maker of memory chips and smartphones expects operating profit of $4.47 billion

https://www.wsj.com/business/earnings/samsu...share_permalink

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WSJ Exclusive | Investing

Sixth Street Strikes Deal to Manage $13 Billion of Insurer’s Assets
Northwestern Mutual to take a small minority stake in investment firm

https://www.wsj.com/finance/investing/sixth...share_permalink

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WSJ Exclusive | Deals

Cintas Makes $5.1 Billion Takeover Offer for Uniform Supplier UniFirst
The maker of workplace products went public with its offer Tuesday after being rebuffed

https://www.wsj.com/business/deals/cintas-m...share_permalink

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WSJ Business | Deals

Getty Images, Shutterstock to Combine in $3.7 Billion Deal
Getty shareholders will own about 54.7% of combined company, which will retain the Getty name

https://www.wsj.com/business/deals/getty-im...share_permalink

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WSJ Politics | Policy

Debt-Ceiling Fight Has New X Factor: Trump
Democrats see potential for agreement with president-elect that permanently defuses borrowing-limit threat

https://www.wsj.com/politics/policy/us-cong...share_permalink

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WSJ Technology

Social-Media Companies Decide Content Moderation Is Trending Down
Meta follows in X’s footsteps by letting users fact-check each other with ‘Community Notes’

https://www.wsj.com/tech/social-media-compa...share_permalink

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WSJ Exclusive | Artificial Intelligence

AI Startup Anthropic Raising Funds Valuing It at $60 Billion
Amazon-backed OpenAI rival was valued at $18 billion last year

https://www.wsj.com/tech/ai/ai-startup-anth...share_permalink

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WSJ Politics | Policy

U.S. Expands RealPage Price-Fixing Lawsuit to Include Six Big Landlords
Greystar, the largest U.S. apartment owner, and Blackstone’s LivCor are among the firms added to the suit

https://www.wsj.com/politics/policy/realpag...share_permalink

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WSJ Business | Autos

These EV ‘Battery Belt’ Towns Are Betting Trump Won’t Ditch Them
Ford, Hyundai, other carmakers cranking up new EV battery factories while uncertainty looms over Biden-era subsidies for them

https://www.wsj.com/business/autos/these-ev...share_permalink

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WSJ exclusive | Retail

Home-Decor Brand Jonathan Adler Sold to Owner of Reese Witherspoon’s Fashion Company
The brand known for quirky designs has nine stores in the U.S. and generates $150 million in annual revenue

https://www.wsj.com/business/retail/home-de...share_permalink

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WSJ U.S. | Law

Law Firms Pivot for Trump’s Return
The legal industry is repositioning to capitalize on upheavals in policy and a new political landscape

https://www.wsj.com/us-news/law/trump-biden...share_permalink

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WSJ Lifestyle | Travel | Carry On

These Travel Hacks Are Everywhere. That Doesn’t Mean They Work.
Think before you try these social-media shortcuts at airports and hotels

https://www.wsj.com/lifestyle/travel/social...share_permalink

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WSJ Arts & Culture | Food & Cooking

Does French Flour Make Better, Healthier Bread, or Is It Just Hype?
Some bakers, and bread-lovers with gluten sensitivity, swear by the more expensive product

https://www.wsj.com/arts-culture/food-cooki...share_permalink

Jakarta is trying to play brinskmanship with Apple lol

Bloomberg Technology

Apple’s $1 Billion Offer Not Enough to Lift Indonesia’s Ban
AirTag plant proposed by Apple won’t meet local content rules
Indonesia mulls sanctions for Apple’s continued non-compliance

https://www.bloomberg.com/news/articles/202...plan-not-enough

I wished our politicians have the courage to go head to head with Big Tech, alas we don't have 300 million people like them...

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Bloomberg Markets

Citi Wealth Says Treasuries at 5% a Buy as Yields March Higher
Close to 5% “certainty possible” for benchmark yields: Wieting
Traders are pushing back expectations on next Fed rate cut

https://www.bloomberg.com/news/articles/202...ds-march-higher

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FT Opinion | Unhedged

The AI arms race costs money

https://www.ft.com/content/3183d1bc-371a-45...66-da8c632dd01b

This post has been edited by TOS2: Jan 8 2025, 04:15 PM