Dave Ramsey built his reputation on a single ratio, and for people closing in on retirement that ratio carries a price tag most never calculate until it’s too late. Three common decisions made under stress can cost more in a single year than a decade of careful saving.
A 52-year-old engineer pulled $18,000 from his 401(k) for a home down payment, confident a well-known IRS exception would shield part of it from the early withdrawal penalty. His plan approved the hardship request, but the IRS operates by a very different set of rules.
Twenty-six unbroken years of monthly payouts now come with a 6.18% indicated yield, the kind of entry point net lease buyers rarely get. Miss today's ex-date and you wait another month to start collecting.
Vertex Pharmaceuticals closed at $558.88, a fresh 52-week high and 0.16% above the September 3 peak. The $141.7 billion biotech has now reclaimed the top of its range after a two-month stretch spent trading closer to $500.
Regeneron's Q3 earnings beat lifted it to a fresh 52-week high of $927.89, clearing the September 2 peak by 8.9%. That single jump erases months of range-bound trading in the biotech.
Republic Services is at a record-setting $244.04, its second 52-week high in just over a week and 0.88% above the October 22 peak. The $74.8 billion waste hauler has added roughly $35 a share since late September.
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Pfizer cleared $30 for the first time in a year, closing at $30.52 and topping its October 22 peak by 0.33%. The $173.9 billion drugmaker was trading near $23 twelve months ago.
Lucid carved out a fresh 52-week low at $3.02, 2.42% below the floor it set on October 19. The EV maker's market cap is down to $1.2 billion.
Lemonade just carved a new 52-week low at $42.94, 0.49% under the floor it set on Oct. 19. That leaves the insurtech down more than half from its $92.06 peak in January, with a $3.3 billion market cap.
A Q3 earnings beat pushed Imperial Oil to $138.10, a fresh 52-week high and 0.53% above the peak set on August 21. The $66.9 billion producer is now clearing the ceiling it has been testing since May.
A second 52-week low in a week at $23.95, 3.83% below the floor set on Oct. 23. The $9.7 billion miner traded above $76 inside the past year, so holders are watching support that no longer exists.
Chevron's Q3 earnings beat pushed it to a fresh 52-week high of $235.52, 0.99% above the record it set just a week ago. The $462 billion oil major keeps clearing its own ceiling.
