BUSINESS

Looking for help with today’s New York Times Pips? We’ll walk you through today’s puzzle and help you match dominoes to tiles.

TheStreet aims to feature only the best products and services. If you buy something via one of our links, we may earn a commission.Why we love this dealIn recent years, social media has seen the conversation about whether a top sheet is necessary when you’re making your bed. There was quite a mixed consensus, with some thinking that no bedding is complete without it, and others arguing that it adds an unnecessary extra layer that gets tangled up in your comforter and feels restrictive when you’re underneath it sleeping. Although no clear “correct” decision came out of the conversation, one thing was clear — when it comes to sheets overall, they’re a necessity nonetheless. Good sheets do more than just act as a protective layer to your mattress. They play a role in the quality of your sleep and help you regulate body temperature which is why quality is important when it comes time to buy some. Luxury bedding can certainly cost a pretty penny, but with the right sales, you can get that hotel-like feel for a fraction of the cost. Amazon is selling the Cosy House Collection 4-Piece Sheet Set for 38% off, meaning instead of paying the regular retail price of $48, you can get the 1500 thread count set for only $30. Cosy House Collection 4-Piece Sheet Set, $30 (was $48) at Amazon

Courtesy of Amazon

Shop at AmazonWhy do shoppers love it?Made from premium double-brushed microfiber, this sheet set is all about your comfort. The ultra-fine polyester provides superior softness which is only enhanced by the 1500 thread count that the sheets have. Thread count refers to how a fabric is woven, and with a 1500 count, that means the threads are woven in a way to create a very dense, heavy, and luxurious sheet that resembles the ones you would enjoy in a hotel. Although a thread count that high might not be suitable for sleepers who run warm or hot, it, along with that brushed microfiber fabric, give the sheets an ultra-soft, silky smooth feel that’s built to last. And as an upside, the sheets are also hypoallergenic, which means those with sensitive skin who have to be careful about reactions with select fabrics can enjoy them comfortably without irritation.This four-piece set includes a fitted sheet, a flat sheet, and two pillowcases for all seven available bed sizes. The fitted sheet has a 16-inch deep pocket and 360-degree fitted elastic so that it’s easy to put on a mattress and it stays even for sleepers that move around a lot. The “softer than silk” set is stain, fading, and wrinkle-resistant, and when it does need a wash, can easily be cleaned in the machine. For best results, it’s suggested the set is washed separately from any of your other laundry to keep the quality well-maintained and the color vibrant and intact. Related: Amazon is selling a 3-piece quilt set for $22 in 8 colors ahead of its Big Spring SaleIt’s advertised as an “all-season” set but sleepers who run hot might find it a bit warm during spring or summer when the weather heats up, especially with how heavy and dense the set can feel. Although not all the available colors are on sale, there are 37 colors that the four-piece set comes in. What to expect from $30 sheet set: Pros and consProsWell-made and luxurious: The double-brushed microfiber and 1500 thread count together create a sheet set that’s heavy, dense, and ultra-soft and silky. Sensitive skin-friendly: The set is hypoallergenic which means it is safe and designed to be gentle on sensitive skin. Large selection: This set is available in 37 colors and seven bed sizes. ConsHeavy and warm: Sleepers who run hot might find these sheets a bit too warm especially during warmer seasons throughout the year. “These sheets are magical,” one shopper said, “These are the holy grail of sheets.” The material is very smooth and soft, making for a super comfortable sleeping experience. They retain their quality remarkably well after many washes, and dry very fast making cleaning them so much easier. Shoppers love the luxurious feel and look, saying that the sheets “exude an air of sleek elegance” that adds sophistication to any bedroom decor. Shop more deals Hevumyi 7-Piece Comforter Set, $30 (was $46) at AmazonHuxmeyson Set of 4 Down Alternative Luxury Hotel Pillows, $30 (was $40) at AmazonBedsure 3-Piece Duvet Cover, $25 (was $33) at AmazonSheets are always a worthwhile investment, especially when you consider how much time you spend underneath them. But when you don’t have to pay a fortune to enjoy the luxurious comforts many high-cost sets provide, it’s even better. Take advantage of Amazon’s great sale on the Cosy House Collection 4-Piece Sheet Set and get your own hotel-like sheets for a fraction of the price.

The first season of Taylor Sheridan’s “The Madison,” starring Michelle Pfeiffer and Kurt Russell, is already complete after the release of Episodes 4-6. Is there another season on the way?

You check your bank account every payday and feel like you are doing everything right with your personal finances. Your bills get paid on time, your credit score looks decent, and your retirement account keeps getting regular contributions each month.But behind those surface-level wins, a largely overlooked pattern of financial missteps could be costing you tens of thousands of dollars over time. Charles Schwab’s financial education division recently outlined nine specific money mistakes that catch even responsible adults off guard every year. Some of these errors look completely harmless on the surface, but their compounding damage over a decade or two can devastate your finances. The worst part is that most people committing these mistakes have absolutely no idea they are slowly losing ground on their wealth goals.Mistake #1: Skipping a financial planThe first mistake on Schwab Moneywise’s list is failing to create a financial plan that is rooted in your specific personal goals. Without a written plan, you are essentially guessing about how much to save, where to invest, and when to adjust your approach.A financial plan does not require a professional advisor or complicated software to get started on a solid foundation today. You need clear savings targets, a timeline for each specific goal, and a review schedule to update your plan as life changes.Mistake #2: Waiting too long to save and invest, which costs you compound growthSchwab’s second mistake targets the procrastination trap that keeps millions of Americans on the financial sidelines every single year. The longer you wait to start investing, the less time your money has to benefit from compounding returns in the stock market. A 25-year-old who invests $200 monthly at a 7% average return would accumulate roughly $525,000 by the time they reach age 65. Delaying that same habit by just 10 years cuts the final total nearly in half, even with identical monthly contributions continuing forward.Mistake #3: Ignoring diversification in your retirement portfolioYou should open a Roth IRA or contribute enough to your employer’s 401(k) to capture the full company match before anything else today. For 2026, the IRS raised the 401(k) employee deferral limit to $24,500 and the IRA contribution limit to $7,500 for eligible savers.Yet ignoring diversification leaves your portfolio dangerously exposed to a single downturn. Schwab’s third warning addresses portfolio concentration risk, which is one of the most common blind spots for newer investors today.“Whether through late re-entries, poor rebalancing, or tactical moves that missed rallies, the end result was the same: more effort, less return… even in a favorable market, behavioral missteps continued to erode real returns,” noted Dalbar Inc.’s annual Quantitative Analysis of Investor Behavior Report.If you own only tech stocks or put everything into a single sector, a downturn could wipe out years of accumulated gains overnight. Diversification spreads your holdings across different asset classes like stocks, bonds, and international investments to limit single-point damage to your portfolio.According to S&P Dow Jones Indices’ 2025 SPIVA U.S. Scorecard, roughly 65% of actively managed large-cap funds underperformed the S&P 500 in 2024. Low-cost index funds that track broad market benchmarks remain one of the simplest diversification strategies you can use right now.

Failing to diversify your investments can expose your portfolio to unnecessary risk during downturns.Pressmaster/Shutterstock

Mistake #4: Letting high investing costs and tax inefficiency eat your long-term returnsSchwab’s fourth mistake addresses the hidden drag that fund expense ratios and poor tax planning create inside your investment portfolio.An exchange-traded fund with a 0.03% expense ratio versus one charging 1% may seem like a trivial difference on paper. But over 30 years on a $100,000 investment earning 7% annually, that gap translates to roughly $57,000 in lost wealth.Tax-efficient strategies you should consider right nowContribute to Roth accounts when you are in a lower tax bracket so your withdrawals in retirement stay completely tax-free forever.Use tax-loss harvesting to offset capital gains and reduce your annual tax bill by selling losing positions at a strategic time.Hold tax-inefficient funds like REITs and high-yield bonds inside tax-advantaged accounts rather than taxable brokerage accounts.Schwab emphasizes paying close attention to your net returns after fees and taxes, not just the headline performance number.Mistake #5: Forgetting to rebalance your portfolioThe fifth mistake involves letting market movements quietly alter your target asset allocation over time without you even realizing the shift.If your original plan called for a 70% stocks and 30% bonds split, a strong stock rally could push that ratio toward 85/15. You would then be taking significantly more risk than you originally intended, and a sudden correction could hit much harder.Related: How to balance your portfolio with global exposureSchwab recommends reviewing and rebalancing your portfolio at least once per year to bring your allocations back into alignment. You sell overweight positions and redirect proceeds into underweight asset classes to maintain your intended risk profile going forward.Mistake #6: Trying to time the market, which can backfire on everyday investorsSchwab’s sixth mistake addresses one of the most tempting and destructive habits in all of personal investing and personal finance.Data from Hartford Funds, citing Ned Davis Research and Morningstar, shows that missing just the 10 best market days over the past 30 years would have cut your total returns in half.More Personal Finance:Why selling a home to your child for a dollar can backfireElon Musk says ‘universal high income’ is comingFTC, 21 states sue Uber over ‘shady’ subscription billingThe best market days tend to cluster during bear markets or right after sharp sell-offs, making them nearly impossible for anyone to predict. Your safest approach is to invest consistently, stay invested through the volatility, and resist the urge to guess market timing.Mistake #7: Reacting to scary headlines and panic selling Schwab’s seventh mistake warns against letting fear-driven news cycles push you into making rash portfolio decisions under emotional pressure.Markets fluctuate naturally, and short-term drops are a completely normal part of long-term investing that every single successful investor has experienced. Panic selling during a downturn locks in your losses permanently and removes any chance of participating in the inevitable market recovery.Suze Orman, one of the most recognized voices in personal finance, has argued that most financial mistakes stem from emotional triggers. Fear and shame push people into impulsive decisions like selling low, avoiding investing entirely, or ignoring their finances during stressful economic periods.Mistake #8: Living without an emergency fund and falling into debt trapsSchwab’s eighth mistake highlights the absence of a financial safety net, which forces millions of Americans into high-interest borrowing situations.The Federal Reserve’s 2024 Survey of Household Economics found that only 55% of adults had set aside enough to cover three months of expenses. A full 30% of adults said they could not cover three months of expenses by any means available to them.Build your emergency fund from scratchStart with a goal of saving $1,000 as your first emergency milestone before expanding to a full three months of expenses.Automate a recurring transfer from your checking account to a high-yield savings account on every single payday without any exceptions.Keep your emergency fund completely separate from your everyday checking account so you are never tempted to spend it casually.Without this buffer, a single unexpected car repair or medical bill can send you spiraling into credit card debt at 24% interest.Mistake #9: Operating without a spending planSchwab’s ninth and final mistake is living without a structured plan for how your income gets allocated each and every month.A spending plan focuses on being intentional about directing your money toward specific priorities you have already identified in advance. You decide before payday how much goes to housing, food, transportation, savings, and discretionary spending every single month.The 50/30/20 framework remains one of the simplest starting points for anyone who has never tracked their monthly spending systematically before. You allocate 50% of your after-tax income to essential needs, 30% to wants, and 20% to savings and debt repayment.Practical steps to build a spending plan this monthTrack every dollar you spend for 30 days using a free app or simple spreadsheet to identify exactly where your money goes.Identify your three largest discretionary expenses and decide whether each one genuinely aligns with your stated personal financial priorities.Set up automatic transfers for savings, investments, and debt payments so those priorities get funded before you spend on anything else.These 9 financial mistakes share a common thread you can fix, starting nowEvery mistake on Schwab’s list comes down to one core problem: a lack of intentionality about how you manage your financial life. You do not need to overhaul everything overnight, but you do need to start addressing these gaps before the compounding damage grows. Pick the one or two mistakes from this list that hit closest to home, and commit to fixing them this very month. A written financial plan, automated savings, diversified low-cost investments, and a structured spending approach form your foundation for lasting wealth. The difference between people who build wealth and those who struggle often comes down to these seemingly small decisions repeated consistently.Related: Schwab says you don’t have to buy CDs from your bank

From near misses in Phoenix to personal loss in the offseason, Denny Hamlin is navigating his final years in NASCAR, with 2027 likely his last full-time campaign.

Morgan Stanley just published a deep-dive note on Palantir Technologies (PLTR), and the message for investors is more nuanced than the rating suggests. The firm is not bullish enough to upgrade. But it is more bullish than it was. That gap is exactly what investors need to understand.Analysts Sanjit Singh, Keith Weiss, and Oscar Saavedra maintain their equal-weight rating and $205 price target on PLTR. With shares closing at $155.68 on March 19, that target represents roughly 30% upside. And yet the firm is holding back. The reason comes down to one number: 64.The valuation problem Morgan Stanley cannot ignorePalantir (PLTR) is currently trading at 64 times its 2027 free cash flow estimate and 38 times 2027 sales. Those are not typos. They reflect a market that has already priced in years of flawless execution.The company delivered in Q4. Revenue grew 70% year over year, marking 10 consecutive quarters of accelerating growth. Management issued fiscal year 2026 revenue guidance of 61% growth, with operating margins expanding to 57.5%. By almost any measure, those are exceptional results. And yet shares barely moved after earnings.That reaction tells investors something important. Morgan Stanley notes that even stronger estimate outperformance may be needed for shares to move materially higher in the near term. Blockbuster quarters are already expected. Anything short of that risks multiple contraction.More Palantir Palantir CEO delivers curt 8-word message to investorsPalantir drops  immigration enforcement bombshellPopular analyst reveals 9 ‘buy the dip’ tech stocksMorgan Stanley’s own long-term model is constructive. The firm projects earnings per share growing from $0.75 in 2025 to $1.92 by 2027, with revenue compounding at a 39% five-year rate through 2030 and operating margins reaching 68%. The bull case is real. The question is whether any of that future value is still available to investors at today’s price.Why the firm is getting more confident anywayDespite the valuation concern, Morgan Stanley says its early field checks point to sustained momentum in the U.S., and that it is growing in optimism that Foundry will emerge as one of the dominant platforms in enterprise software. That is a meaningful shift in tone for a firm that has held its equal-weight rating since February 2025.The source of that growing confidence is Palantir’s Ontology, the technology that sits at the core of everything the company builds. Understanding it matters for investors because it is the reason Morgan Stanley believes Palantir’s competitive advantage is harder to replicate than the market assumes.Ontology is a live digital map of a customer’s entire business. It unifies data from every system a company runs into a single real-time model that employees and AI agents can act on. Once built, every new application and workflow runs on top of it. Replacing it means rebuilding the entire operational foundation from scratch. That is structural lock-in, not ordinary switching cost.What Morgan Stanley says about the moatThe firm spoke with former forward deployed engineers, the specialists Palantir embeds inside customer organizations for months at a time to build these systems. Their conclusion is direct: Building a high-quality Ontology cannot be automated or purchased off the shelf. It requires deep, organization-specific domain knowledge captured over a lengthy period of hands-on engagement.

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Morgan Stanley argues that Palantir’s more than 20 years of deployments inside demanding environments, including U.S. intelligence agencies, the Department of Defense, and NATO allies, have produced an institutional knowledge base that competitors would need years to replicate. Snowflake (SNOW) and Databricks are strong in data storage and analytics. Neither offers what Palantir does at the level of operational decision-making and governed AI action.What would it take for Morgan Stanley to upgrade?Sustained top-line and bottom-line beats, not just one or two strong quartersField checks confirming the Ontology deployment flywheel is acceleratingEvidence that U.S. commercial momentum is durable, not deal-cycle drivenWhat this means for investors watching PLTRMorgan Stanley’s $205 target is based on 55 times its 2030 free cash flow estimate of $15.5 billion, discounted back at a 13% cost of capital. That math works if Palantir continues to execute at the pace it has set. It does not work if growth decelerates, margins disappoint, or the broader enterprise AI spending environment cools.The firm flags two specific downside risks. First, Palantir’s reliance on large deals with a relatively small number of customers creates the potential for uneven financial performance. Second, if margin expansion slows, it reignites the long-running investor debate about whether Palantir is a software company or a consulting firm. That debate is not resolved, and it carries meaningful implications for how the stock should be valued.For investors already holding PLTR, the Morgan Stanley note is cautiously encouraging. The moat argument is strengthening. The firm’s conviction is building. But the stock is priced for everything to go right, and Morgan Stanley is not yet willing to say it will.The next test comes on May 11, when Palantir reports first-quarter 2026 results. If the 61% growth guidance holds and margins stay on track, the upgrade conversation gets louder. If there is any stumble, 64 times free cash flow is a very long way to fall.Related: Palantir faces a ‘quiet shockwave’ from a small deal with big optics

New York Knicks great John Starks reveals his surprise national championship pick for March Madness in this one-on-one interview.

Tesla (TSLA) is no longer a car company in the eyes of Wall Street. Investors have moved on, fixating instead on Robotaxi timelines, Optimus robots, and full self-driving milestones. The problem, according to UBS, is that the car business still has to work. And right now, it is not working well enough.UBS analyst Joseph Spak cut his estimate for first-quarter 2026 deliveries to 345,000 vehicles, per Tipranks, down 18% from the 421,000 Tesla delivered in the fourth quarter of 2025 and 7% below the Visible Alpha consensus of 371,000. The firm maintains its sell rating and $352 price target on TSLA. With shares closing at $380.30 on March 19, that target implies roughly 8% additional downside. The stock is already down 17% year to date.The core message is blunt: Sentiment and AI narratives drive TSLA’s price, but the auto business funds everything else. That dynamic is now under pressure from multiple directions.Tesla’s delivery problemSpak’s revised estimate of 345,000 units represents only 2% year-over-year growth, a sharp deceleration for a company whose investors expect an AI-era transformation. His previous Q1 estimate was 360,000. The downward revision reflects weakness across Tesla’s three biggest markets.U.S. EV demand has softened, and Tesla is winding down production of the higher-margin Model S and Model X. Early data for January and February show roughly 78,600 domestic deliveries, down 6% from the same period a year ago. More Tesla:Top-rated analyst drops curt 8-word take on Tesla stockTesla investors may miss game-changing moveJudge orders Tesla to make major change or halt sales in CaliforniaIn Europe, deliveries across the top eight markets fell approximately 4% year over year in the first two months of the quarter, with sharp declines in the U.K. and the Netherlands partially offset by gains in Germany and France. In China, domestic retail deliveries fell 6% year over year even as exports surged, propped up in part by a zero-interest financing promotion Tesla extended through March 31.Spak notes that deliveries could track slightly below even his revised estimate, unless Tesla stages a meaningful end-of-quarter push, which the company has done before.Why Tesla’s auto business still mattersThis is the tension at the heart of the UBS note, and it is the question every TSLA investor needs to sit with. The stock trades on AI ambition. But the cash that funds the Robotaxi program, the Optimus humanoid robot, the Dojo supercomputer, and the $20 billion capital expenditure budget for 2026 comes almost entirely from selling cars.As Spak writes, it is primarily the auto business that funds Tesla’s cash flow and hence its investment for growth. Weaker deliveries do not just disappoint on a headline number. They compress the margins and cash flow that keep the broader growth engine running. Tesla’s gross margins already slipped to 16.8% in the fourth quarter of 2025 amid ongoing price competition, particularly from Chinese rivals including BYD.The energy storage segment offers some relief. Spak projects 15.1 gigawatt-hours of deployment in Q1, up 45% year over year, driven by surging Megapack demand from grid upgrades and AI data centers. But vehicles still account for the overwhelming majority of operating cash flow. The energy business is growing fast. It is not yet large enough to fill the gap if auto stumbles.

Investors are now questioning whether Tesla’s camera-only approach to self-driving, which relies on vision rather than lidar or radar, is actually a cost and scalability advantage.VCG/Getty Images

The Robotaxi credibility problemUBS is not just concerned about deliveries. The note flags something more structural: growing investor skepticism that Tesla can sustain a meaningful competitive advantage in autonomous driving.Spak notes that recent investor feedback suggests updates around Robotaxi and Optimus have been slower and more subdued than anticipated. At the same time, competition in the autonomous vehicle space has intensified. Waymo is now completing more than 400,000 paid rides per week, scaling commercial operations in multiple U.S. cities. Nvidia’s recent Alpamayo autonomous vehicle platform announcement has raised the bar on what the broader ecosystem can offer.Tesla’s camera-only approach to self-driving, which relies on vision rather than lidar or radar, was long framed as a cost and scalability advantage. That framing is now being questioned. The concern UBS hears from investors is that Tesla may not sustainably differentiate in the robotaxi market as more capable and better-funded competitors close the gap.What UBS says investors should watchQ1 delivery results, due April 2, which will set the tone heading into earningsFirst-quarter earnings on April 28, where margin trends will be closely scrutinizedAny concrete Robotaxi production or deployment update beyond prototype demonstrationsProgress on FSD, particularly given an intensifying NHTSA probe into how the system performs in reduced visibilityWhat this means for TSLA investorsUBS is not alone in its caution. The broader analyst community sits at a hold consensus on Tesla, with 13 buy ratings, 11 holds, and seven sells. The average price target of $399.25 implies only modest upside from current levels.The bull case for TSLA has always rested on the idea that Tesla is not really an automaker but a technology platform with cars as its current revenue base. That argument holds if the AI ventures deliver. It becomes harder to sustain if delivery volumes keep slipping, margins stay compressed, and the Robotaxi timeline keeps getting pushed while competitors build real-world scale.Spak’s note does not say the bull case is dead. It says the auto business cannot be ignored while investors wait for the AI story to play out. Tesla needs both to work. Right now, one of them is not.Related: Bank of America revamps Tesla stock price

TheStreet aims to feature only the best products and services. If you buy something via one of our links, we may earn a commission.Why we love this dealIs this new season making you feel like your bedroom needs a refresh too? Comforters come in all sorts of colors, but if you love the boho look and an eccentric pattern, we found the perfect set for you. Hidden among the millions of bedding options on Amazon is a three-piece set that is available for under $50. The Wake In Cloud Boho Comforter Set is only $31, and it has all the elements you need to make your bed pop. Even at its regular price (which is just a few dollars more), it’s still a fraction of the cost of many comforter sets we’ve seen on sale. Wake In Cloud Boho Comforter Set, From $31 (was $38) at Amazon

Courtesy of Amazon

Shop at AmazonWhy do shoppers love it?This three-piece comforter set includes one comforter and two pillowcases. The queen-size comforter measures 90 inches by 90 inches, and each pillowcase measures 20 inches by 26 inches. The set boasts a lovely boho-style pattern that puts it a step above a plain comforter set. Its unique design adds a bit of charm, without being too overwhelming. We’ve seen a few tufted boho comforter sets, and this one is perfect for those who want less texture with the same amount of statement-making style. Related: Amazon is selling a $30 portable speaker for only $13 as a holiday saleThe comforter set is made from brushed microfiber, giving it a soft feel. It also has a polyester fill, giving it a cloud-like appearance that’s lightweight yet warm. It’s a great pick for year-round use, as it’s lightweight enough in the spring and summer, but cozy enough for fall and winter. The set is also easy to clean, as you can throw it in the washing machine. For proper care, wash it on the gentle cycle with cold water, and tumble dry it on low or let it air dry. The set is available in four colors, including orange, beige, black, and green. Black and green will get you the best bang for your buck, while beige and orange are a little pricier.Details to knowSizes: Twin/twin XL, full, queen, king, and California king. Colors: Beige, Burnt Orange, Charcoal Black, and Dark Olive Green. Material: Polyester.Amazon shoppers love this comforter set. For starters, many love the design and pattern. Reviewers also highlighted the feel of the comforter, saying it’s “soft and cozy.” One person even said it feels “like sleeping on a cloud.” Others noted that it’s “lightweight” and “airy,” but still provides enough warmth to keep you comfortable.Shop more dealsWake In Cloud Blue Boho Comforter Set, $35 at Amazon Bedsure Tufted Boho Comforter Set, $56 at Amazon Andency Boho Comforter Set, $42 (was $53) at Amazon The Wake In Cloud Boho Comforter Set is just $31, and it’s such a good deal for the price. For under $35, you get a comforter and two pillowcases, which is a fraction of what many comforters alone can cost. Plus, it comes with a cute design that’s a step up from a plain set. At this price, it might be worth getting one in each color.

With 2026 Patty Kazmaier Award winner Caroline Harvey on the blue line, the Wisconsin Badgers will look to defend their title at Sunday’s women’s Frozen Four final.