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U-BX Technology Ltd is focused on providing value-added services using artificial intelligence-driven technology to businesses within the insurance industry, including insurance carriers and brokers. It helps institutional clients obtain visibility on various social media platforms and generate revenue based on consumers' clicks, views, or its clients' promotion time through those channels. The company derives a majority of its revenue by providing digital promotion services to its clients and also engages in providing risk assessment services, and value-added bundled benefits. It has developed an algorithm named Magic Mirror, to calculate payout risks for insurance carriers to underwrite auto insurance coverage. Geographically, all of the company's revenue is derived from Mainland China.

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Los futuros de acciones de EE.UU. suben mientras las acciones de Ubiquiti, Red Robin, BigBear.ai y otras caen un en el premercado de hoy.

Acciones cayendo en el premercado del viernes: Ubiquiti, Red Robin, BigBear.ai y más

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A recent caller to &#8220;The Ramsey Show&#8221; revealed he's been making student loan payments for 19 years and still owes $20,000. Now 49, he asked Dave Ramsey about <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 programs</a> that kick in after 20 years.
Ramsey wasn't having it.
&#8220;The program is: cut your lifestyle and pay this off in 12 months,&#8221; he <a href="https://x.com/RamseyShow/status/1912492825393979755">told</a> the caller, who earns $90,000 a year. &#8220;Live on $70,000 minus taxes and pay this off in one year, and that means you're not going out to eat, and it means you're not going on vacation.&#8221;
<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">This caller has been paying off his student loans for 19 years, and STILL has debt left to pay. Dave tells him that intensity is the only way he will ever be able to stop paying off these loans. <a href="https://t.co/mlBl647onS">pic.twitter.com/mlBl647onS</a>
&mdash; The Ramsey Show (@RamseyShow) <a href="https://twitter.com/RamseyShow/status/1912492825393979755?ref_src=twsrc%5Etfw">April 16, 2025</a></blockquote>
<script async src="https://platform.twitter.com/widgets.js" charset="utf-8"></script></div>
</figure>
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The financial expert emphasized that intensity is the only way the man will be able to stop making these payments for good. &#8220;That's the program,&#8221; Ramsey repeated.
<h2 class="wp-block-heading">The Bigger Picture: Student Loan Drama Runs Deep</h2>
The segment echoes a broader frustration Ramsey and his team often express over the student loan system, especially Parent PLUS loans. In another <a href="https://www.youtube.com/watch?v=2aLS5f3Rd4Q">episode</a>, a listener asked who should repay those loans once they come due.
&#8220;Legally, it's the parents,&#8221; Ramsey said, since their names are on the loans. But morally, it depends. If the student promised to pay, they should keep their word. &#8220;That's you keeping your word. You go pay it,&#8221; Ramsey said.
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>
The hosts described how these situations can <a href="https://www.benzinga.com/personal-finance/24/11/42024498/it-sounds-like-a-relationship-issue-ramsey-show-hosts-on-fathers-100k-paycut-and-3000-mile-move">strain relationships</a> when promises are made informally, forgotten, or ignored. &#8220;It ends up being this tangled mess relationally,&#8221; Ramsey&#8217;s co-host, and daughter, Rachel Cruze added.
Ramsey knew exactly who was to blame for the student debt mess. In his words, &#8220;The whole stupid <a href="https://www.ramseysolutions.com/debt/student-loan-forgiveness-scams?srsltid=AfmBOop3s_LjJkGZ1NtoofGSYRa2jgCB90LHJtYdSHhz4YHJjh9Fxj78">thing is a scam</a>. Higher education is to blame. Congress is to blame. Weak parents that won't tell their spoiled freaking children &#8216;no&#8217; are to blame.&#8221;
He added that if student loans are so harmful that we need to forgive them, then Congress should stop offering them altogether. &#8220;That'd be an awesome thing,&#8221; Ramsey quipped. Cruze also added that the universities would probably lower tuition because nobody could afford it.
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">A Cheaper Way to Do College</h2>
Ramsey and his team insist there is a way to <a href="https://www.benzinga.com/personal-finance/25/02/43893926/you-can-be-a-student-without-a-student-loan-dave-ramseys-advice-to-paying-cash-for-college">attend college without debt</a>. Go to an in-state school, graduate in four years, and if possible, start with community college.&nbsp;
&#8220;Here's an idea: get a degree that&#8217;ll help you get a job,&#8221; Ramsey added.
As for the caller who still has $20,000 in student debt nearly two decades later, Ramsey's advice was blunt but simple: forget waiting on forgiveness. Get serious, cut back, and pay it off fast.
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Image: Shutterstock

After 19 Years Of Payments, A Man Asks Dave Ramsey About His Student Loan Forgiveness. At $90K A Year, Ramsey Doesn't Go Easy On Him

President Donald Trump has once again brought up his claim regarding a peculiar vehicle safety test in Japan, which he describes as a non-tariff barrier. However, according to a report on Monday, Japan&#8217;s transport ministry refuted this assertion.
What Happened: Trump took to social media on Sunday to highlight various &#8220;non-tariff cheating&#8221; practices, including currency manipulation and protective technical standards. Among these, he mentioned the alleged Japanese vehicle safety test, which he had previously described in 2018 as involving a bowling ball being dropped from 20 feet onto car hoods, disqualifying vehicles if they dent, <a href="https://www3.nhk.or.jp/nhkworld/en/news/20250421_10/">reported</a> NHK, Japan&#8217;s national broadcaster.
<figure class="wp-block-image size-full"><img loading="lazy" decoding="async" width="608" height="403" src="https://editorial-assets.benzinga.com/wp-content/uploads/2025/04/21203052/Screenshot-2025-04-22-at-9.30.08.png" alt="" class="wp-image-880795" srcset="https://editorial-assets.benzinga.com/wp-content/uploads/2025/04/21203052/Screenshot-2025-04-22-at-9.30.08.png 608w,https://editorial-assets.benzinga.com/wp-content/uploads/2025/04/21203052/Screenshot-2025-04-22-at-9.30.08-300x199.png 300w" sizes="(max-width: 608px) 100vw, 608px" /></figure>
Screenshot from Donald Trump&#8217;s Truth Social Account
Japan&#8217;s transport ministry responded on Monday, clarifying that their safety tests, which include a spherical device test, comply with international standards under a United Nations agreement. The device, used to ensure pedestrian safety, strikes the hood at 35 km/h and is launched from approximately six feet, not 20. The ministry added that hood denting is permissible if it absorbs shocks without endangering passengers.
Trump continues to argue that numerous leaders and executives are seeking relief from his tariffs, asserting that longstanding abuses must be addressed. The US contends that Japanese vehicle safety regulations obstruct American car market entry, while Japan maintains that its standards are in line with international norms.
See Also: <a href="https://benzinga.com/markets/25/04/44892201/2025-largely-doesnt-matter-for-tesla-says-gene-munster-elon-musk-company-poised-for-a-major-rebound-in-20" target="_blank" rel="noreferrer noopener">2025 &#8216;Largely Doesn&#8217;t Matter&#8217; For Tesla, Says Gene Munster: Elon Musk Company Poised &#8216;For A Major Rebound In 2026 And Beyond&#8217;</a>
Why It Matters: This claim by Trump comes amid ongoing&nbsp;<a href="https://www.benzinga.com/news/25/04/44857178/trump-joins-japan-tariff-talks-calls-progress-big-as-63-billion-trade-surplus-looms">tariff negotiations</a>&nbsp;between the US and Japan. Recently, Trump joined preliminary discussions with Japanese officials, describing the talks as a &#8220;great honor&#8221; and noting &#8220;big progress&#8221; as both nations navigate complex trade issues. Japan is currently facing a 10% baseline tariff and 25% duties on cars, auto parts, steel, and aluminum.
The newly imposed 25% auto tariff poses a significant threat to the global automotive industry, with analysts warning of potential price surges and declining sales. Goldman Sachs estimates that imported vehicle prices <a href="https://www.benzinga.com/news/25/03/44522387/japanese-automakers-face-29-billion-tariff-hit-nissan-mazda-subaru-most-at-risk-says-analyst">could increase</a> by $5,000 to $15,000, while even U.S.-built cars might experience cost hikes of $3,000 to $8,000 due to foreign-made parts. 
Photo Courtesy: Joshua Sukoff on Shutterstock.com
Check out more of Benzinga's Future Of Mobility coverage by <a href="https://www.benzinga.com/topic/mobility" target="_blank" rel="noreferrer noopener">following this link.</a>
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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/shivdeep-dhaliwal" target="_blank" rel="noreferrer noopener">Shivdeep Dhaliwal</a>

Politics

Tech

General

Trump's Bowling Ball Tale Bounces Back, Japan Refutes President's Car Safety Test Claims

<ul>
<li>In an interview with CNN on Tuesday, Melinda French Gates criticized the recent trend of ultra-wealthy people getting involved in politics</li>
<li>She spoke to concerns that the U.S. is becoming an oligarchy, telling the host she "hopes" that's not where things are heading</li>
<li>The Pivotal Ventures founder also said that the ultra-wealthy have a "moral obligation" to use their money philanthropically&nbsp;</li>
</ul>
When President Donald Trump put together his cabinet at the beginning of his second term, he stocked it with uber-wealthy businessmen. From Treasury Secretary Scott Bessent, the former CEO of Key Square Capital Management who has a net worth north of $500 million, to Steve Feinberg, the deputy secretary of cefense and former CEO of Cerberus Capital Management whose net worth hovers around $5 billion, these appointments are the most recent examples of the ultra wealthy dipping their toes into politics.
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The migrations from boardrooms to Capitol Hill have many worried that the country is becoming an oligarchy. Now, Melinda French Gates, who has a <a href="https://www.bloomberg.com/billionaires/profiles/melinda-french-gates/">net worth of $14.5 billion</a>, is speaking out.
In an interview with <a href="https://www.youtube.com/watch?v=zc9pV2bimAo">CNN</a> on Tuesday, she was critical of the trend of wealthy individuals engaging in politics. Throughout the conversation with host Abby Phillip, French Gates reiterated her oft-espoused belief that "to whom much is given, much is expected," making it clear that she did not approve of the way many ultra-wealthy are currently pouring money into electing their preferred candidates or using their fortunes to buy themselves powerful positions.&nbsp;
Trending: The secret weapon in billionaire investor portfolios that you almost certainly don't own yet. <a href="https://www.benzinga.com/money/masterworks">See which asset class has outpaced the S&amp;P 500 (1995-2024) – and with near-zero correlation.</a>
In response to Phillip's inquiry about whether this political focus is new or has always existed in these sorts of upper-class circles, French Gates replied, "I think we are seeing some of their true personalities come out in the last few years. I think this has always been in the undertone of lots of people… I think some of the particular people you're seeing right now, the values that they espouse are just different than mine." Continuing, "I know a lot of these folks. I've met a lot of them."
And when asked point-blank if she thought the country was on the verge of becoming an oligarchy, she replied, "I hope not."
Instead of politics, French Gates would like to see her peers investing money in more charitable causes. In 2010, she started The Giving Pledge with then-husband Bill Gates and billionaire Warren Buffett. The initiative pushes the ultra-wealthy to donate at least half of their fortunes to charitable and philanthropic causes, either during their lifetimes or after death through their wills and endowments. "If you have a billion dollars, that's an absurd amount of wealth. You have a moral responsibility to give away at least half of it," French Gates said.&nbsp;
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<li><a href="https://www.benzinga.com/money/investing-in-the-midwest-why-multifamily-real-estate-is-a-winning-strategy">This investment company boasts a 33.85% internal rate of return (IRR) for its realized projects, allowing accredited investors to earn passive returns and avoid the headaches of being a landlord.</a></li>
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Image: Shutterstock

Personal Finance

'We Are Seeing Some Of Their True Personalities Come Out.' Melinda French Gates Speaks Out About The Rise of Billionaires In Politics

MCRB

Trading Halt: Halted at 7:50:00 p.m. ET - Trading Halt: Halt News Pending

FMTO

BSLK

BSLKW

Valero Energy (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/VLO#NYSE">VLO</a>) has outperformed the market over the past 5 years by 3.02% on an annualized basis producing an average annual return of 15.7%. Currently, Valero Energy has a market capitalization of $34.23 billion. 
Buying $100 In VLO: If an investor had bought $100 of VLO stock 5 years ago, it would be worth $209.03 today based on a price of $108.84 for VLO at the time of writing.
<h3>Valero Energy's Performance Over Last 5 Years</h3>
<img src="https://www.benzinga.com/files/images/story/2025/1745279111_0.png" alt="comp_fig" />
Finally -- what's the point of all this? The key insight to take from this article is to note how much of a difference compounded returns can make in your cash growth over a period of time.
This article was generated by Benzinga's automated content engine and reviewed by an editor.

Here's How Much You Would Have Made Owning Valero Energy Stock In The Last 5 Years

A Palantir Technologies Inc (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/PLTR#NASDAQ">PLTR</a>) executive replied to a post on social media that called out the defense contractor for a <a href="https://www.benzinga.com/tech/25/04/44882049/peter-thiels-palantir-bags-30-million-order-from-ice-for-immigrant-tracking-system">new extended contract</a> with the Immigration and Customs Enforcement agency.
Here's what Palantir Global Head of Commercial Ted Mabrey had to say.
What Happened: Y Combinator co-founder Paul Graham criticized in a social media post the<a href="https://www.benzinga.com/markets/25/03/44209697/how-peter-thiel-and-elon-musk-are-shaping-trump-administration"> work being done</a> by Palantir to help the Trump administration in rounding up immigrants.
"It's a very exciting time in tech right now. If you're a first-rate programmer, there are a huge number of other places you can go work rather than at the company building the infrastructure of the police state," Graham <a href="https://x.com/MabreyTed/status/1913703425495470304">tweeted</a>.
Graham shared a post on the ICE contract with Palantir that will build "ImmigrationOS" to expand surveillance and enforcement operations.
Included in the post were highlights of ImmigrationOS providing data on via overstays, self-deportation cases and individuals flagged for removal, including "foreign students flagged for removal for protesting U.S.-Israeli genocide."
Mabrey said Palantir's work with the Department of Homeland Security has spanned the Obama, Trump and Biden administrations.
"We are not looking for partisans at Palantir. Our mission spans administrations and political climates and our culture is one of constant disagreement," Mabrey said.
The Palantir executive, who has been with the company since 2010 according to <a href="https://www.linkedin.com/in/ted-mabrey/">LinkedIn</a>, said immigration policies can't be executed by governments.
"If the electorate cannot steer the execution of our government because the government cannot execute, our institutions lose all credibility, and the risk moves from an X debate to a much more fundamental one."
Mabrey said Palantir hires "believers" and the company's work is hard and covers "all sides of the political aisle."
Read Also: <a href="https://www.benzinga.com/news/earnings/25/02/43449486/palantir-q4-earnings-revenue-beat-eps-beat-us-revenue-up-52-customer-count-up-43-strong-guidance-this-is-a-new-phase-unlike-anything-that-has-come-before">Palantir Q4 Earnings: Revenue Beat, EPS Beat, US Revenue Up 52%, Customer Count Up 43%, Strong Guidance</a>
Why It's Important: In the social media post, Mabrey highlights past work done by Palantir, such as protecting people in wars in Iraq and Afghanistan, helping with vaccines during Operation Warp Speed, helping with the Afghan withdrawal and enabling "David to resist Goliath in Ukraine."
"My politics have not agreed with many of the policies our software has enabled. But through all of them I have held the steadfast belief that if our government institutions are not competent, politics does not matter."
Graham replied asking if Mabrey and/or Palantir would commit publicly to not "build things that help the government violate the U.S. constitution."
Another lengthy post from Mabrey said this question from Graham was "in bad faith" and compared it to a courtroom trick.
Mabrey said the company's employee political makeup is "enormously varied."
"We make this promise as a company operating in America under the rule of law."
Mabrey's comment that he has not always agreed with things the company does could show the efforts Palantir makes on policies that are supported by both Republicans and Democrats. The company landed government contracts under various presidents and political parties.
Graham highlighted to another social media user that the point about protesting U.S.-Israeli genocide should be a red flag and is why he was most critical of Palantir's new contract extension with ICE.
Palantir stock has soared in the past year and the company was viewed as one of the many that could be favorable in a Trump administration with several connections to the company and the current presidential administration and donors.
Several Palantir co-founders <a href="https://www.benzinga.com/general/politics/24/06/39557155/palantir-co-founders-thiel-lonsdale-back-trump-in-2024-election-id-rather-have-him-than-biden">endorsed Trump for the</a> 2024 presidential election as well.
PLTR Price Action: Palantir stock was down 3.18% to $90.80 on Monday at market close versus a 52-week trading range of $20.36 to $125.41. Palantir stock is up 20.8% year-to-date in 2025 and up over 300% in the past year.
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</ul>
Photo: slyellow via Shutterstock.com

Government

Social Media

Management

PLTR

Palantir Executive Defends Company's ICE Contract: 'All Sides Of The Political Aisle'

Carvana (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/CVNA#NYSE">CVNA</a>) has outperformed the market over the past 5 years by 3.58% on an annualized basis producing an average annual return of 16.25%. Currently, Carvana has a market capitalization of $26.28 billion. 
Buying $1000 In CVNA: If an investor had bought $1000 of CVNA stock 5 years ago, it would be worth $2,230.16 today based on a price of $195.60 for CVNA at the time of writing.
<h3>Carvana's Performance Over Last 5 Years</h3>
<img src="https://www.benzinga.com/files/images/story/2025/1745278219_0.png" alt="comp_fig" />
Finally -- what's the point of all this? The key insight to take from this article is to note how much of a difference compounded returns can make in your cash growth over a period of time.
This article was generated by Benzinga's automated content engine and reviewed by an editor.

CVNA

Here's How Much You Would Have Made Owning Carvana Stock In The Last 5 Years

Though UnitedHealth Group, Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/UNH#NYSE">UNH</a>) reported disappointing first-quarter results last week, two analysts from KeyBanc Capital Markets and Truist Securities remain <a href="https://www.benzinga.com/analyst-ratings/price-target/25/04/44902410/unitedhealth-group-stock-is-getting-crushed-whats-fueling-the-selloff">bullish on the stock. </a>
Expert Ideas: Both David MacDonald at Truist and Matthew Gillmor at KeyBanc said that although the health care giant's most recent quarter and 2025 earnings guidance missed the mark, they remain bullish on UnitedHealth for the long term. 
Read Next:<a href="https://www.benzinga.com/general/health-care/25/04/44869920/unitedhealth-ceo-says-high-cost-of-us-health-care-simply-not-sustainable"> UnitedHealth CEO Says High Cost Of US Health Care &#8216;Simply Not Sustainable&#8217;&nbsp;</a>
Both analysts said that while the Medicare Advantage utilization trend was troubling, its emergence early in the year will allow time for management to correct course.&nbsp; When coupled with the better-than-expected rate updates for 2026, the analysts see the company recovering into 2026.&nbsp;
The Truist analyst highlighted the narrowing Medicaid rate mismatch and upbeat selling season commentary from management.
KeyBanc sees a "silver lining" in UnitedHealth's ability to correct the RAF coding issues for 2026 and expects the company to factor the higher utilization rates into June bids. The analyst also said competitors like Humana and CVS are "not well positioned to take advantage of UNH's stumble."&nbsp;
The Takeaway: The analysts see UnitedHealth's issues as mostly isolated and "fixable" and maintained bullish ratings on the stock while slashing price targets.&nbsp;
KeyBanc maintained an Overweight rating on UnitedHealth shares, but lowered its price target from $650 to $575. Truist Securities maintained its Buy rating and lowered the price target for UnitedHealth stock from $660 to $580. 
UNH Price Action: According to <a href="https://pro.benzinga.com/?gspk=YWRhbWVja2VydDUzMzY&amp;gsxid=zBMR4PKmcgBw">Benzinga Pro,</a> UnitedHealth shares ended Monday's session 6.35% lower at $425.33. 
Read Next:&nbsp;
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<li><a href="https://www.benzinga.com/25/04/44903087/amazon-stock-downgraded-price-target-slashed-as-tariffs-create-uncertainty">Amazon Stock Downgraded, Price Target Slashed As Tariffs Create Uncertainty&nbsp;</a></li>
</ul>

Earnings

Health Care

Price Target

Analyst Ratings

UnitedHealth Q1 Disappoints, But These Analysts Remain Bullish On The Stock

Lululemon Athletica (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/LULU#NASDAQ">LULU</a>) has outperformed the market over the past 15 years by 7.75% on an annualized basis producing an average annual return of 18.03%. Currently, Lululemon Athletica has a market capitalization of $30.67 billion. 
Buying $100 In LULU: If an investor had bought $100 of LULU stock 15 years ago, it would be worth $1,180.43 today based on a price of $254.24 for LULU at the time of writing.
<h3>Lululemon Athletica's Performance Over Last 15 Years</h3>
<img src="https://www.benzinga.com/files/images/story/2025/1745277310_0.png" alt="comp_fig" />
Finally -- what's the point of all this? The key insight to take from this article is to note how much of a difference compounded returns can make in your cash growth over a period of time.
This article was generated by Benzinga's automated content engine and reviewed by an editor.

LULU

If You Invested $100 In This Stock 15 Years Ago, You Would Have This Much Today

Three major U.S. defense contractors — RTX Corp. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/RTX#NYSE">RTX</a>), Northrop Grumman Corp. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/NOC#NYSE">NOC</a>) and Lockheed Martin Corp. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/LMT#NYSE">LMT</a>) — are all scheduled to report earnings before the market opens on Tuesday. Here's a look at what to <a href="https://www.benzinga.com/analyst-ratings/analyst-color/25/04/44810625/top-analyst-sees-unprecedented-traction-for-pltr-stock-after-nato-agreement-another-validation-sign">watch in the reports. </a>
What To Know: The Trump administration has signaled potentially historic defense spending, with reports suggesting a Pentagon budget near $1 trillion, which could benefit all three contractors. However, President Donald Trump has sent mixed messages by advocating for increased allied purchases of U.S. weapons while discussing the possibility of cutting U.S. military spending. 
The administration's push for efficiency, led by Elon Musk at the Department of Government Efficiency, introduces more uncertainty for defense contractors, as many major programs are under review. 
Read Next: <a href="https://www.benzinga.com/25/04/44903087/amazon-stock-downgraded-price-target-slashed-as-tariffs-create-uncertainty">Amazon Stock Downgraded, Price Target Slashed As Tariffs Create Uncertainty&nbsp;</a>
RTX: Investors will be looking for continued growth in RTX's Collins Aerospace and Pratt &amp; Whitney units, which both recently announced a slew of <a href="https://www.benzinga.com/news/contracts/25/04/44686376/rtx-pops-as-pratt-whitney-expands-gtf-capacity-collins-aerospace-enhances-offerings">new deals </a>and led 2024's gains.
The company's backlog will also be monitored for continued growth after reaching a record $218 billion at the end of 2024.&nbsp;
According to estimates from <a href="https://pro.benzinga.com/?gspk=YWRhbWVja2VydDUzMzY&amp;gsxid=zBMR4PKmcgBw">Benzinga Pro</a>, analysts expect the company to report earnings of $1.35 per share and revenue of $19.79 billion for the quarter.&nbsp;
NOC: Investors will be watching the performance of Northrop&#8217;s four main business segments: Aeronautics Systems, Defense Systems, Mission Systems and Space Systems, as well as updates on 2025 revenue and free cash flow guidance. 
Current expectations are for revenue between $42 billion and $42.5 billion and free cash flow of between $2.9 billion and $3.3 billion.&nbsp;
Earlier in April, Goldman Sachs analyst Noah Poponak upgraded Northrop Grumman stock from Sell to Neutral and raised the price target from $424 to $521. Analysts expect the company to report earnings of $6.26 per share on revenue of $9.94 billion, according to estimates from <a href="https://pro.benzinga.com/?gspk=YWRhbWVja2VydDUzMzY&amp;gsxid=zBMR4PKmcgBw">Benzinga Pro</a>. 
LMT: Last week, Evan Scott <a href="https://www.benzinga.com/25/04/44867490/evan-scott-takes-over-as-lockheed-martin-cfo-succeeding-jesus-jay-malave">was named </a>as Lockheed Martin's CFO, succeeding Jesus Malave, effective immediately. In a press release, the company said it will be reaffirming its previously issued 2025 guidance and will provide updates on other key topics and answer questions with its first quarter earnings release. 
Investors will be watching the company's Aeronautics segment, driven by the F-35 program, which is expected to post solid sales. Analysts expect Lockheed Martin to report earnings of $6.34 per share on revenue of $17.8 billion for the first quarter. 
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Photo: <a href="https://www.shutterstock.com/g/MCMEDIASTUDIOPRO">MC MEDIASTUDIO</a> via Shutterstock

Previews

RTX, Lockheed Martin, Northrup Grumman Report Earnings Tuesday: What To Watch

Some startups break the internet. Others go old school—and still make a fortune.
Ari Siegel, the founder of History By Mail, has proven that even in the age of TikTok and <a href="https://www.benzinga.com/news/25/03/44375147/smart-puppies-are-smarter-than-ai-mark-cubans-surprising-take-on-the-future-of-artificial-intelligence">AI</a>, people still crave the tangible. His company ships replicas of historical documents—complete with authentic-looking paper and calligraphy—straight to subscribers&#8217; mailboxes each month.&nbsp;
<a href="https://www.nbcphiladelphia.com/news/business/money-report/38-year-old-brings-1-million-a-year-snail-mail-company-to-shark-tank-mark-cuban-you-dont-really-need-our-help/4155285/?os=wtmb5utKCxk5refapp6koVwAmR&amp;ref=app#:~:text=History%20By%20Mail%20brought%20in,as%20a%20U.S.%20Senate%20intern.">NBC10 Philadelphia</a> reported that the five-year-old business pulled in more than $1 million in revenue in 2024, and after a recent "Shark Tank" appearance, it had its biggest sales week ever.
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<h2 class="wp-block-heading">From Senate Intern to History Entrepreneur</h2>
The idea was born when Siegel interned for the U.S. Senate and visited the Library of Congress. There, he spotted a letter penned by Abraham Lincoln and got inspired to replicate historical artifacts for friends and family. The emotional response he received sparked a business.
He launched History By Mail in January 2019. Early subscribers received documents every two weeks, each tied to major events or iconic figures in American history. But that fast pace quickly became a problem.
"People told us they loved the content, but couldn't keep up," Siegel told <a href="https://www.cnbc.com/2025/04/08/mark-cuban-shark-tank-company-history-by-mail-doesnt-need-help.html">CNBC "Make It."</a> It takes time to really dig into each letter. Everyone's busy." So, the company pivoted to monthly shipments—one letter, one context page, one manageable dose of history.
Trending: <a href="https://www.benzinga.com/money/investing-in-the-midwest-why-multifamily-real-estate-is-a-winning-strategy">This investment company boasts a 33.85% internal rate of return (IRR) for its realized projects, allowing accredited investors to earn passive returns and avoid the headaches of being a landlord.</a>
The simplicity worked. Siegel shared on "Shark Tank" that the company hit $1 million in revenue last year, without outside investment—until now. On the April 4 <a href="https://abc.com/episode/2e5d5998-9d1b-40ca-9f19-c8f12802544e/playlist/PL554912060">episode</a> of "Shark Tank," Siegel pitched the company and asked for $250,000 in exchange for 10% equity. His goal: scale the business through better social media marketing.
<a href="https://www.benzinga.com/startups/25/01/43084861/mark-cubans-29-million-shark-tank-portfolio-from-200k-in-dude-wipes-to-200m-for-beatbox-beverages-im-killing-it">Mark Cuban</a> praised the concept, telling Siegel, "You get to do what you love, and you're making a killing." Cuban and Lori Greiner passed on investing. Kevin O'Leary and Daniel Lubetzky each offered $250,000 for 20%, while Barbara Corcoran later jumped in to team up with Lubetzky. Together, they offered $125,000 each for a combined 20% stake.
Siegel accepted the offer from Lubetzky on air. However, a History By Mail spokesperson later confirmed to CNBC that only Lubetzky's firm, Camino Partners, finalized the deal. Corcoran was not part of the deal.
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>.
According to CNBC, the "Shark Tank effect" was almost instantaneous. Sales hit a record high within an hour of the episode airing, the company confirmed. While no specific revenue numbers were shared, Siegel said it was the company's strongest sales week to date.
"We want to make historical documents more accessible," Siegel said. "They already belong to the public—they're just not in their hands."
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Image: Shutterstock

Mark Cuban Said 'You're Making A Killing'—Then This Founder's History Startup Made $1 Million And Had Its Best Week Ever

ON Semiconductor (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/ON#NASDAQ">ON</a>) has outperformed the market over the past 10 years by 2.34% on an annualized basis producing an average annual return of 11.63%. Currently, ON Semiconductor has a market capitalization of $14.64 billion. 
Buying $1000 In ON: If an investor had bought $1000 of ON stock 10 years ago, it would be worth $2,997.41 today based on a price of $34.73 for ON at the time of writing.
<h3>ON Semiconductor's Performance Over Last 10 Years</h3>
<img src="https://www.benzinga.com/files/images/story/2025/1745276415_0.png" alt="comp_fig" />
Finally -- what's the point of all this? The key insight to take from this article is to note how much of a difference compounded returns can make in your cash growth over a period of time.
This article was generated by Benzinga's automated content engine and reviewed by an editor.

If You Invested $1000 In This Stock 10 Years Ago, You Would Have This Much Today

Pope Francis has <a href="https://www.benzinga.com/news/25/04/44892537/pope-francis-first-south-american-pontiff-and-peoples-pope-dies-at-88">died at the age of 88</a> leaving a vacancy for the position of the global head of the Catholic Church.
Here's a look at the betting odds for the next pope and why sports bettors believe one Major League Baseball player will hit a home run Monday.
Next Pope Odds: Pope Francis was the first South American pope and was known to many as the "People's Pope" thanks to his advocacy for the poor.
Francis had been pope since 2013 when Pope Benedict XVI resigned.
With the death of Pope Francis, the Conclave, a process to select the next pope, will now take place. Conclave typically happens between 15 and 20 days following the death of the pope, which includes a week of mourning.
Unlike presidents and world leaders, the new pope will not be selected by the public, but instead by a group of cardinals who are under the age of 80. The next pope will likely be a cardinal given past history, but all baptized Catholic males are eligible to become a pope.
Betting on the next pope is currently not allowed in the U.S., but prediction markets and European sportsbooks have odds listed after Monday's news of the pope's passing.
Here are the current betting odds for the next pope from prediction market <a href="https://polymarket.com/markets?_q=pope">Polymarket</a>:
<ul>
<li>Pietro Parolin (Italy): 36%</li>
<li>Luis Antonio Tagle (Philippines): 26%</li>
<li>Peter Erdo (Hungary): 8%</li>
<li>Peter Turkson (Ghana): 7%</li>
<li>Robert Sarah (Guinea): 5%</li>
<li>Matteo Zuppi (Italy): 5%</li>
<li>Raymond Burke (U.S.): 4%</li>
<li>Pierbattista Pizzaballa (Italy): 3%</li>
</ul>
Polymarket also has odds for the continent the winner will be selected from with the current odds:
<ul>
<li>Europe: 62%</li>
<li>Asia: 22%</li>
<li>Africa: 10%</li>
<li>North America: 3%</li>
<li>South America: 1%</li>
<li>Oceania: 1%</li>
</ul>
The prediction market also has odds for when the next pope will be announced, with only a 1% chance that the announcement comes by the end of April. The odds of a new pope announcement by May 9 sit at 59%, with the odds of a new pope revealed by May 31 at 97%.
Dating back to 1963, here are the number of days it took for the next pope to be announced:
<ul>
<li>2013: 13 days</li>
<li>2005: 17 days</li>
<li>1978: 18 days</li>
<li>1978: 20 days</li>
<li>1963: 18 days</li>
</ul>
Polymarket allows users to deposit funds using USDC (CRYPTO: <a class="ticker" href="https://www.benzinga.com/quote/">USDC</a>) via the Polygon (CRYPTO: <a class="ticker" href="https://www.benzinga.com/quote/matic/usd">MATIC</a>) network or directly from a crypto account with Ethereum (CRYPTO: <a class="ticker" href="https://www.benzinga.com/quote/eth/usd">ETH</a>). Winning wagers cash out at $1 per contract. Many of the pope markets have a deadline of Dec. 31, 2025, to cash out or they will turn to $0.
At <a href="https://www.oddschecker.com/us/insight/specials/politics/20250413-next-pope-odds-who-will-take-over-in-vatican-after-passing-of-pope-francis">Oddschecker</a>, the current favorites to be the next pope are:
<ul>
<li>Parolin +350, 22% chance</li>
<li>Tagle: +500, 17% chance</li>
<li>Angelo Scola (Italy): +700, 13% chance</li>
<li>Marc Ouellet (Canada): +700, 13% chance</li>
</ul>
Both Polymarket and Oddschecker show Parolin and Tagle as the favorites, while it could be anyone's guess beyond the two frontrunners before the Conclave begins. Tagle could become the first Filipino pope in history and the first pope from Asia in over 1,000 years.
Parolin has been Francis' secretary of state since 2014 and would likely continue his predecessor's style of leading while also bringing an Italian back to the leadership role after three straight non-Italian popes.. At the age of 67, Tagle could be considered young for a pope and could serve in the leadership role for decades.
Read Also: <a href="https://www.benzinga.com/news/24/09/40864360/pope-francis-criticizes-both-trump-and-kamala-harris-for-supporting-abortion-urges-catholics-to-vote">Pope Francis Criticizes Both Trump And Kamala Harris For Supporting Abortion, Urges Catholics To Vote For &#8216;Lesser Evil&#8217;</a>
MLB Pope Death Connection: Bettors on MLB games and player props are paying close attention to Nick Castellanos and the Philadelphia Phillies who battle the New York Mets Monday night at 7:10 p.m. ET.
Those familiar with baseball know that Castellanos has a knack for hitting home runs on days that have major global events or while the announcers are discussing controversial topics.
Castellanos began the day at odds of +750 to hit a home run at DraftKings Inc (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/DKNG#NASDAQ">DKNG</a>) and the odds have since fallen to +360 with a large number of bets being placed on the MLB hitter.
At BetMGM, Castellanos is the most bet player to hit a home run by more than 3x, <a href="https://x.com/johnewing/status/1914311584815485184">according </a>to John Ewing.
At ESPN Bet, Castellanos home run is the most bet player prop across MLB, NBA and NHL <a href="https://x.com/ButlerBets/status/1914390554948890805">combined</a>, which includes multiple Monday playoff contests.
Here is a list of <a href="https://www.inquirer.com/phillies/nick-castellanos-home-run-meme-biden-trump-20240722.html">examples </a>of when Castellanos has hit home runs:
<ul>
<li>The day Osama Bin Laden was killed</li>
<li>Right before Joe Biden dropped out of the 2024 presidential election</li>
<li>While a broadcaster was apologizing for using a homophobic slur</li>
<li>20th anniversary of the September 11 terrorist attacks (Sept. 11, 2021)</li>
<li>During a broadcaster's tribute to those who made "the ultimate sacrifice" on Memorial Day</li>
<li>Day of the assassination attempt on Donald Trump</li>
</ul>
As the Philadelphia Inquirer points out, Castellanos was on the injured list after Queen Elizabeth II died, so he was unable to keep his tradition of hitting home runs during global events in place. Time will tell if the pope's death is followed by a home run by Castellanos or if sportsbooks clean up from the large number of bets placed on the player prop.
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Photo: Shutterstock

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Sports

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Betting Odds For Pope Francis Replacement Show Two Favorites, Plus This Global Event Has MLB Bettors Backing Nick Castellanos To Hit Home Runs

Pan American Silver (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/PAAS#NYSE">PAAS</a>) has outperformed the market over the past 10 years by 1.48% on an annualized basis producing an average annual return of 10.77%. Currently, Pan American Silver has a market capitalization of $9.77 billion. 
Buying $100 In PAAS: If an investor had bought $100 of PAAS stock 10 years ago, it would be worth $283.89 today based on a price of $26.97 for PAAS at the time of writing.
<h3>Pan American Silver's Performance Over Last 10 Years</h3>
<img src="https://www.benzinga.com/files/images/story/2025/1745275512_0.png" alt="comp_fig" />
Finally -- what's the point of all this? The key insight to take from this article is to note how much of a difference compounded returns can make in your cash growth over a period of time.
This article was generated by Benzinga's automated content engine and reviewed by an editor.

PAAS

If You Invested $100 In This Stock 10 Years Ago, You Would Have This Much Today

<a href="https://www.benzinga.com/personal-finance/25/04/44723566/charlie-munger-gave-his-no-1-tip-for-a-long-and-happy-life-avoid-crazy-at-all-costs-but-watch-out-crazy-is-way-more-common-than-you-think">Charlie Munger</a> wasn't just Warren Buffett's right-hand man—he was a billionaire in his own right, a master of patience, and a straight shooter when it came to wealth-building.&nbsp;
For decades, Munger dished out life lessons and money advice like a guy who knew the cheat codes. And he did. When you work shoulder to shoulder with the greatest investor of all time, people tend to lean in when you talk.
One of his final gems came on the <a href="https://www.acquired.fm/episodes/charlie-munger">"Acquired" podcast</a> in October 2023. Munger, sharp as ever in his final months, made it sound almost simple:
"The beauty of it is: <a href="https://www.benzinga.com/personal-finance/24/07/39842841/charlie-munger-said-getting-rich-is-harder-than-ever-but-heres-the-beauty-of-it-you-only-have-to">you only have to get rich once</a>."
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He wasn't talking about luck. He wasn't pitching get-rich-quick nonsense. He was saying: do the work, build the foundation, and once you're there—you can stop grinding and let the compounding do the heavy lifting.
Munger also made it painfully clear that the beginning is the toughest part. Back in the late ‘90s at a Berkshire Hathaway meeting, he put it bluntly:
"The first $100,000 is a b&#x2A;tch, but you gotta do it. I don't care what you have to do—if it means walking everywhere and not eating anything that wasn't purchased with a coupon, find a way to get your hands on $100,000."
That $100,000 is equivalent to about $200,000 today when adjusted for inflation. So yes, the bar's higher now—but the principle still holds.
Trending: The secret weapon in billionaire investor portfolios that you almost certainly don't own yet. <a href="https://www.benzinga.com/money/masterworks">See which asset class has outpaced the S&amp;P 500 (1995-2024) – and with near-zero correlation.</a>
Munger's reasoning? Once you've crossed that first financial threshold, wealth begins to build itself. That initial $100K isn't just a number—it's momentum. It's proof you can delay gratification, make smart choices, and keep money working for you instead of the other way around.
Compound interest becomes your new best friend.
When you invest that first $100,000 wisely, it starts to generate returns. Those returns earn more returns. The snowball effect kicks in, and before you know it, your money's doing more work than you are. But none of that happens if you don't push through that first stretch.
Of course, it's not just about math—it's about mindset.
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>.
Here are the psychological roadblocks most people hit before even getting started:
Fear of losing money: The stock market can feel like a casino if you don't know what you're doing. But letting inflation quietly eat away at your savings in a checking account? That's a guaranteed loss.
Doubt: If you don't believe wealth is possible for you, you'll never bother trying. Munger's advice wasn't just for the Ivy League elite. It was for anyone willing to hustle and stick with it.
And while Munger didn't <a href="https://www.benzinga.com/personal-finance/25/04/44854326/warren-buffett-surpasses-bill-gates-with-165-billion-fortune-berkshire-is-a-stable-ship-in-a-sea-of-uncertainty">spell out every step to getting rich</a>, he left behind a trail of practical wisdom: live below your means, invest early, and don't get distracted by noise.
The goal isn't to get rich overnight. It's to get there once—and let that be enough.
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Charlie Munger Said 'You Only Have To Get Rich Once' — But Warned The First $100K Is a 'B*tch' And The Most Important Step To Building Wealth

Antero Resources (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/AR#NYSE">AR</a>) has outperformed the market over the past 5 years by 57.45% on an annualized basis producing an average annual return of 70.12%. Currently, Antero Resources has a market capitalization of $9.98 billion. 
Buying $100 In AR: If an investor had bought $100 of AR stock 5 years ago, it would be worth $1,470.64 today based on a price of $32.06 for AR at the time of writing.
<h3>Antero Resources's Performance Over Last 5 Years</h3>
<img src="https://www.benzinga.com/files/images/story/2025/1745273712_0.png" alt="comp_fig" />
Finally -- what's the point of all this? The key insight to take from this article is to note how much of a difference compounded returns can make in your cash growth over a period of time.
This article was generated by Benzinga's automated content engine and reviewed by an editor.

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