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“Let’s do the work.”That is the tagline for Caterpillar (CAT), the world’s largest construction equipment manufacturer, which has been helping companies do all kinds of work for over a century. The company, known simply as “Cat” for short, produces everything from its iconic yellow construction equipment to diesel-electric locomotives and industrial gas turbines, serving industries from construction and mining to energy and transportation.Caterpillar traces its roots to Holt Manufacturing, which developed early steam tractors in the late 19th century, and endured two world wars and sweeping industrial change to become a global powerhouse and a leader in applying artificial intelligence to industrial sectors.How was Caterpillar Inc. named?In 1905, the company was still known as Holt Manufacturing. Photographer Charles Clements remarked that inventor Benjamin Holt’s track-type tractor crawled along the field like a “monster caterpillar.” In 1909, the first tractor to bear the Caterpillar name was produced, and the name was trademarked in 1910. When Holt merged his company with another in 1925, the new entity was officially dubbed The Caterpillar Tractor Company. Today, it is known simply as Caterpillar Inc. Caterpillar’s growth during the World Wars & beyondAs mentioned above, in 1925, Holt merged with C.L. Best Tractor Co. to form Caterpillar Tractor Co., and the company’s shares were listed on the Pacific Stock Exchange.On Dec. 2, 1929, as the country was still reeling from the October market crash, Caterpillar was first listed on the New York Stock Exchange.  More Dow company histories:History of Chevron: Company timeline & factsHistory of Coca-Cola: Timeline, facts & milestonesHistory of Nike: Company timeline and factsHistory of Apple: Company timeline and factsLouis Neumiller, named by Harvard Business School as one of the great business leaders of the 20th Century, led Caterpillar during World War II, overseeing the mass-production of 50,000 bulldozers and tractors. Caterpillar’s equipment was used extensively by Allied construction battalions worldwide, cementing the brand’s reputation for reliability. After the war, Neumiller guided the company through a massive global expansion. By 1955, its equipment was in use on every continent, including in major projects such as the Andes highway in Venezuela and Antarctica’s Operation Deep Freeze, a U.S. mission supporting the National Science Foundation’s Antarctic program. Two fatalities occurred during the latter operation, both involving workers driving caterpillars that fell into cracks or crevasses in the notoriously dangerous Antarctic ice. When was Caterpillar added to the Dow? Caterpillar was added to the Dow Jones Industrial Average on May 6, 1991, replacing truck maker Navistar and underscoring the vital role of heavy machinery in the U.S. economy.What is Caterpillar doing now? Today, Caterpillar employs roughly 118,000 people worldwide and operates largely on a business-to-business model, serving customers across construction, energy, transportation, and government sectors“Our centennial year marked a significant milestone, and we achieved full-year sales and revenues of $67.6 billion, the highest in Caterpillar’s history,” CEO Joe Creed told analysts during the company’s fourth-quarter earnings call on Jan. 29.“In a dynamic environment with net tariff headwinds of $1.7 billion, we delivered full-year adjusted operating profit margin within the target range at 17.2% and adjusted profit per share of $19.06.”Caterpillar’s future: Investing in people & AIAnd now, more than a century after its founding, Caterpillar is boldly going into the world of artificial intelligence.As data centers expand to support AI workloads, operators are increasingly turning to Caterpillar’s natural gas and diesel generators for primary and backup power, particularly as they contend with grid constraints.Creed called power and energy the company’s “largest and fastest-growing segment.”“We anticipate growth in power generation for both CAT reciprocating engines and solar turbines driven by increasing energy demand to support data center build-out related to cloud computing and generative AI,” he said.As technology reshapes heavy industry, Creed said Caterpillar is investing in another critical area: its workforce.The company has launched a five-year, $25 million initiative to prepare workers for an increasingly digital, autonomous, and AI-enabled environment.“Caterpillar pledged $25 million to ensure the future workforce has the tools they need to make advanced technology possible,” Creed said.At CONEXPO-CON/AGG—the largest construction trade show in North America—Caterpillar highlighted AI-driven capabilities, including an assistant developed with Nvidia (NVDA) to help customers operate, manage, and maintain machinery.Related: This Dow 30 dividend stock is up 100% in the past yearCaterpillar’s stock: Splits, dividends & long-term outlookCaterpillar has split its stock four times since going public and has paid a dividend every year since its founding, with quarterly payouts dating back to 1933.It is also a member of the S&P 500 Dividend Aristocrats, having increased its annual dividend for more than 32 consecutive years.The company has also been a top Dow performer, with its stock surging to record levels and frequently leading the index in gains. Shares have climbed 223% over the past five years as of this article’s last update.Investment firms remain broadly optimistic, pointing to a strong pipeline of large infrastructure and construction projects, as well as Caterpillar’s emerging role in powering and supporting AI-related development.Timeline of important events & milestones in Caterpillar’s 130+ year historyJan. 7, 1892: Holt Manufacturing Co. is officially incorporated.April 15, 1925: Holt merges with C.L. Best Tractor Co. to form Caterpillar Tractor Co. and pays a cash dividend annuallyDec. 15, 1926: Caterpillar conducts its first stock split.Dec. 2, 1929: Caterpillar is listed on the New York Stock Exchange.1931: Caterpillar begins painting its machines the iconic Hi-Way yellow we know today. It also begins using diesel engines instead of gasoline. 1933: Caterpillar begins paying dividends quarterly instead of annually. 1940s: The company champions a massive increase in production to support Allied efforts in World War II.1965: Caterpillar’s annual sales exceed $1 billion for the first time. May 6, 1991: Caterpillar is added to the Dow Jones Industrial Average.1999: Cat completes construction of its first Russian plant near St. Petersberg. 1996: The company launches the industry’s first autonomous mining truck.Sept. 29, 1998: Cat launches the 797, the world’s largest mechanically driven mining truck.March 2008: The company introduces the D7E, featuring a diesel-electric drive that reduces fuel consumption and increases efficiency.2017: Cat moves its headquarters to Deerfield, Illinois.2022: The company relocates its global HQ once again — this time to Irving, Texas. Jan. 29, 2026: Caterpillar posts a record $67.6 billion in full-year 2025 sales and revenues.

After weeks of war with no end in sight, and gas prices rising faster than they have in decades, U.S. consumers are becoming more worried about the state of the economy than they have been in three months, according to the latest University of Michigan Survey of Consumers.UM’s Consumer Sentiment Index fell to 53.3% for its final reading in March, down 5.8% from February and down 6.5% from where it was a year ago. Consumer sentiment fell to its lowest reading since December 2025.Consumers are feeling even less optimistic about the future of the economy than they are about the present, and it doesn’t take a trusted survey that has been around for 80 years to understand why.As the Iran war wraps up its fourth deadly week, the U.S is once again threatening to begin a ground campaign in Iran, according to Fox News, which would ostensibly extend the time horizon for this conflict’s resolution.Iran has responded not only by closing the Strait of Hormuz, through which about 20% of the world’s oil travels, but also by threatening to close the Strait of Mandeb, The Hill reports. The latter connects the Red Sea to the Gulf of Aden and accounts for another 11% of oil travel.“Escalating conflict in the Middle East is increasing risk across the global auto supply chain. Tensions around the Strait of Hormuz have heightened energy price volatility and raised concerns about shipping disruptions in oil and aluminum, among other upstream raw materials,” Morgan Stanley analyst Andrew Percoco said in a recent note.According to Morgan Stanley, every $1-per-gallon increase in gas prices results in a $450-per-year increase in fuel costs for gas-powered vehicles, assuming 27 mpg and 12,000 miles driven per year.So, as the war rages on and gas prices rise, consumer sentiment will inevitably keep falling. Still, the survey even admits that its reading this month may not truly capture just how anxious American consumers have become.

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Consumer sentiment drops on concerns about Iran war, rising gas pricesConsumer sentiment fell nearly 6% in March to its lowest level since December 2025. Perhaps underscoring just how unpopular this war is, the declines were seen across age and political party, noted Silver Bulletin.Middle- and higher-income consumers, “buffeted by both escalating gas prices and volatile financial markets in the wake of the Iran conflict, exhibited particularly large drops in sentiment.”Related: Chevron CEO sends worrisome Middle East oil messageThe short-term economic outlook dropped 14%, and year-ahead expected personal finances sank 10%, though declines in long-term expectations were more subdued, according to the Index of Consumer Sentiment.”These patterns suggest that, at this time, consumers may not expect recent negative developments to persist far into the future. These views are subject to change, however, if the Iran conflict becomes protracted or if higher energy prices pass through to overall inflation,” the survey researchers said. Perhaps the most concerning part of the survey’s negative results is the interview date range for the March release: Feb. 17 to March 23. This means two-thirds of them were completed after the war started. If the other third had also responded after the war started, it’s reasonable to assume that the drop in sentiment would have been even more severe.Year-ahead inflation expectations rose to 3.8% in March from 3.4%, the largest one-month increase since April 2025. The current reading is ahead of 2024 and well above pre-pandemic levels, which were consistently below 2.8%.But the survey also says the responses it received after February 28, the first day of the war, showed much higher inflation expectations than the ones it received prior to that. And while some investment firms are sounding the alarm, analysts at BNP Paribas are a bit more tempered.The U.S. economy is well-positioned to withstand oil shock, says BNP ParibasBrent crude oil hit an all-time high of $147 in 2008, rising from about $30 a barrel in 2003 to more than $100 by early 2008, reportedly spurred by increased demand from China, according to Trading Economics. But just as abruptly, Brent prices fell back down to earth, only breaking $100 per barrel again in 2022 during the Covid pandemic.Though analysts at BNP Paribas say a prolonged shock with a moderate price rise would “probably” prompt minor adjustments to its growth outlook, the firm is still bullish on the U.S. economy.“We see the U.S. economy as well-positioned to absorb the shock, as it is now the world’s largest producer of crude and a net energy exporter. The sensitivity of the economy to changes in oil prices has fallen, while monetary and fiscal policies, excluding tariffs, appear stimulative,” Husby said.BNP has had an above-consensus view of the U.S. economy for some time, saying it takes a “glass-half-full” view of the job market and expects the unemployment rate to hold at current levels.For the firm to change its outlook, it says oil prices would have to rise well above $150 per barrel.Related: U.S. economy will show resilience, despite rising oil prices

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 dealIf you’re not enjoying your home’s outdoor spaces in the springtime, then you’re missing out. Lounging on comfy patio furniture while sipping a lemonade or a frozen drink is the quintessential spring and summer experience. Walmart can help you achieve that bliss with one of its best rocking chair patio sets, and it happens to be on clearance at the moment.The Aiho 3-Piece Rocker Patio Set is on sale for only $70 right now. That’s 36% off the regular price of $110, which is a rocking good deal if we’ve ever seen one!Aiho 3-Piece Rocker Patio Set, $70 (was $110) at Walmart

Courtesy of Walmart

Shop at WalmartDetails to knowThis furniture lands right in the Goldilocks zone of being not too small and not too big. It includes two high-back rocking chairs and a small end table. Each piece is constructed from powder-coated stainless steel, and the chairs are wrapped in hand-woven rattan wicker. The entire set is weather-resistant and rustproof.Each chair has ergonomic armrests and a thick, soft seat cushion. The table includes a durable tempered glass tabletop that’s shatter-resistant and easy to clean with basic soap and water. You can also buy a four-piece version of this set that includes a small sofa as well, so there’s a perfect size for everyone.This type of set is ideal for practically any type of outdoor space. It’s compact enough for an apartment balcony, a townhome porch, or even a backyard patio. Since the materials are quick-drying, it’s also a great choice for a poolside lounge area. Related: Amazon is selling a wicker bistro patio set for only $62 that can turn your patio into a relaxing retreatWhy do shoppers love it? Walmart shoppers were taken aback by the quality and comfort of this patio furniture. One described it as “perfect,” adding that it’s “so cute and fits perfectly in the area that I purchased it for. Added some ferns and tulips…looks like a magazine photo.”Another claimed the set is “simply amazing,” and said of the chairs, “They look great in my backyard. The color is very pretty…They are a delightful addition to my living space.”If you want great patio furniture at a terrific price, then buy the Aiho 3-Piece Rocker Patio Set. You can get it on clearance for just $70, but don’t wait too long. Prices this low don’t last very long, and you don’t want to miss out.

Your bank account has never been more vulnerable than it is right now, according to alarming new data from federal regulators who track financial crimes. The Federal Trade Commission just released its annual fraud report, and the numbers paint a disturbing picture of the threat landscape Americans face today. Consumers lost more money to criminals last year than ever before, as scams evolve faster than safeguards. You probably think you are too smart to fall for a scam, that you would never click a suspicious link or share your banking credentials with a stranger. Today’s scams are highly sophisticated and tailored to how you use your bank and financial accounts. They range from convincing fake bank websites to employment scams that promise remote work but end up draining your funds.Americans lost $12.5 billion to fraud in 2024, marking a 25% increaseThe Federal Trade Commission reported that consumers lost $12.5 billion to fraud in 2024, representing a staggering 25 percent increase from the previous year’s already alarming totals. This figure represents only reported losses, meaning the actual amount stolen is likely much higher, since many victims never file complaints with authorities. The FTC received millions of fraud reports last year, with financial scams targeting bank accounts representing a significant and growing category, according to the agency’s official press release. The increase reflects both the growing sophistication of criminal operations and the expanded digital footprint of everyday financial transactions that create new vulnerabilities. “The data we’re releasing today shows that scammers’ tactics are constantly evolving,” said FTC Bureau of Consumer Protection Director Christopher Mufarrige. “The FTC is monitoring those trends closely and working hard to protect the American people from fraud.”More Americans than ever conduct banking, shopping, and bill paying online, creating countless opportunities for fraudsters to intercept credentials and account information. The pandemic accelerated digital adoption in ways that permanently changed how people interact with their money and financial institutions.Fake bank websites trick victims into entering their real login credentials onlineOne of the most common banking scams involves fraudulent websites that look exactly like your legitimate bank’s online portal, with identical branding, Chase explains. Criminals send emails or text messages that appear to come from your bank, warning of suspicious activity or account problems requiring immediate attention from you. The links in these messages direct you to convincing fake sites where you unknowingly enter your username, password, and security information directly to criminals.Related: How to Protect Yourself from the Soaring Number of Cyber Scams and FraudThese phishing sites have become remarkably sophisticated, often using secure HTTPS connections and domain names that closely resemble legitimate banking URLs. You might receive a message claiming your account has been locked, directing you to a site like “chase-secure-verify.com” instead of the real Chase website. Always navigate directly to your bank’s website by typing the address manually or using a saved bookmark rather than clicking links in messages.Malicious mobile apps masquerade as legitimate banking tools to steal dataFraudulent mobile applications represent another growing threat vector, with criminals creating fake banking apps designed to secretly harvest your credentials and account information. These apps sometimes appear in official app stores before being detected, using names and logos similar to those of legitimate banking applications to confuse users. Once installed, they capture your login credentials and may also request permissions that allow them to intercept text messages containing two-factor authentication codes. You should only download banking apps by navigating directly to your bank’s official website and carefully following links to its approved app store listings. Check the developer name, read reviews carefully, and verify the download count before installing any financial application on your device. Legitimate banking apps from major institutions typically have millions of downloads and verified developer credentials that can be confirmed independently.

Fake banking apps can steal your credentials, so always verify sources, check developers, and download only through your bank’s official links.anatoliy_gleb/Shutterstock

Check fraud has surged with criminals using washing techniques to alter payeesDespite the rise of digital payments, check fraud remains a massive problem, with criminals stealing checks from mailboxes and using chemical processes to alter them. The technique known as check washing involves erasing the payee name and amount with common chemicals while preserving your signature for fraudulent reuse. A survey by the Association for Financial Professionals found that 63 percent of organizations experienced check fraud attempts in 2024, according to the organization’s annual payments fraud report. Criminals often target outgoing mail from residential mailboxes, looking for envelopes that clearly contain checks for paying bills or other obligations. They then wash the checks, write in new payee names and larger amounts, and deposit them through mobile banking apps using fake accounts. Using gel pens rather than ballpoint pens makes checks more resistant to washing, and depositing outgoing mail directly at post office locations reduces theft risk.Employment scams promise remote work but actually drain your bank accountsJob scams have exploded in recent years, with criminals posting fake remote work opportunities designed to trick victims into revealing banking information. These scams often begin with unsolicited job offers promising high pay for simple work-from-home tasks that require minimal experience or training. Related: Vanguard reveals why smart investors still fall for scamsThe catch comes when they ask for your banking information, supposedly to set up direct deposit or send you a check to purchase equipment. The overpayment variation involves sending you a large check and asking you to forward a portion to another party for supplies or training materials. The check eventually bounces after you have already sent real money, leaving you responsible for the full amount plus any fees your bank charges. Legitimate employers never ask new hires to receive and redistribute funds through personal accounts before starting work.Phone calls and text messages from fake bank representativesPhishing attacks using voice calls and smishing attacks using text messages have become incredibly sophisticated, often spoofing legitimate bank phone numbers. Criminals may already have some of your personal information from data breaches, allowing them to sound credible when they call claiming to be from your bank. They create urgency by describing suspicious transactions on your account and ask you to verify information or authorize reversals. Your bank will never call you and ask for your full account number, PIN, password, or one-time security codes over the phone unexpectedly. If you receive a suspicious call, hang up and call the number on the back of your debit card or go directly to your bank’s official website. Taking 30 seconds to verify a call can save you thousands of dollars from criminals impersonating bank representatives.Steps to take immediately if you suspect your account has been compromisedContact your bank immediately using the phone number on your card or statement to report suspected fraud and freeze your accounts.Change your online banking password and any other passwords you use with the same credentials to prevent further unauthorized access.Report the fraud to the FTC at IdentityTheft.gov to create a recovery plan and properly document the incident.Place a fraud alert on your credit reports with all three major bureaus to prevent criminals from opening new accounts.Request a copy of your ChexSystems report to check for unauthorized accounts opened at other banks using your information.Banks are improving fraud detection, but criminals continue adapting their methodsFinancial institutions have invested billions in fraud detection and prevention technologies, using artificial intelligence to quickly identify suspicious transaction patterns.Real-time monitoring systems can now flag unusual activity and freeze accounts before criminals can complete large transfers in many cases. More Personal Finance:Retirees following 4% rule are leaving thousands on the tableFidelity says a $500 policy could protect your entire net worthFidelity’s 4 Roth strategies could save your family a fortune in taxesMany banks have also implemented more sophisticated authentication methods, including biometric verification and behavioral analysis, to better protect customers. However, the $12.5 billion in reported losses demonstrates that criminals continue finding ways around these defenses through social engineering attacks. The most sophisticated security technology cannot protect you if you voluntarily provide your credentials to someone who effectively impersonates your bank. Your own awareness and skepticism remain the most important defense against fraud schemes that rely on manipulation rather than technical exploits.Taking proactive steps to protect your accounts, staying informed about current scam tactics, and maintaining healthy skepticism about unsolicited contacts can dramatically reduce your risk. The criminals behind these schemes succeed because they count on victims acting quickly out of fear rather than taking time to verify legitimacy. Slowing down and questioning unexpected communications about your bank accounts is often the difference between safety and victimization.Related: Protecting America’s Retirement Savers from Scams and Fraud

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 dealThere are thousands of cleaning products on the market these days, so it can be difficult to narrow down your search for the best ones. If you’re on the hunt for a reliable and effective vacuum cleaner that won’t take up a ton of space in your storage closet, Walmart has you covered, thanks to a worthwhile spring sale.The Inse Cordless Stick Vacuum Cleaner usually retails for $200, but is on sale for only $90 right now, which is a whopping $110 in savings. This model features a strong motor that offers four powerful suction modes that work well on hard floors, low-pile carpets and rugs, furniture, and car interiors, thanks to its interchangeable attachments. It comes with a crevice tool, an upholstery tool, and two tailored roller brushes that clean hard-to-reach areas and leave nothing behind. It even has LED lights on the front to illuminate surfaces and show dust you might not have seen otherwise. Inse Cordless Stick Vacuum, $90 (was $200) at Walmart

Courtesy of Walmart

Shop at WalmartWhy do shoppers love it?This vacuum features four speeds. You can choose the eco and medium modes for everyday cleanings, select the max mode for picking up messes, and use the auto mode to take the guesswork out of vacuuming altogether. In auto mode, the machine adjusts its settings to best suit the area you’re working in by using an infrared sensor that detects debris. It runs for up to 55 minutes on a single charge and comes with a mounted docking station for added convenience.Related: Amazon is selling a $199 DeWalt cordless vacuum for $129, and it’s perfect for DIY cleanupDetails to knowColors: Blue and silver.Filter type: HEPA.Battery life: 55 minutes.Everything this vacuum cleaner sucks up goes through a six-stage purification filtration system with HEPA that captures 99.9% of particles, according to the brand. That means nothing it sucks up goes back into the air, so it’s great for cleaning pet dander, dust, and dirt with ease. The filter should be replaced at least once every six months, depending on how often it’s used.Over 300 shoppers have given this cordless vacuum a five-star rating, and several even claimed that it’s better than other name-brand options on the market. One person in particular wrote, “This [vacuum] does just as well for less than half the price.”Shop more dealsVakerr Cordless Vacuum Cleaner, $100 at WalmartLaresar Aromatherapy Cordless Stick Vacuum, $110 (was $200) at WalmartCareVac Cordless Stick Vacuum Cleaner, $66 (was $120) at WalmartThere’s no telling how long the Inse Cordless Vacuum Cleaner will be on sale for only $90, so add one to your cart while you still can. Plus, if you order now, it can arrive as soon as tomorrow to help you get started on spring cleaning ASAP.

We are currently facing a market that feels increasingly unstable. And honestly, in all my years of trading and watching the markets, this trading environment is something else. But why? And why now?Rising geopolitical tensions, a steady pullback in equities, and surging oil prices have created a wave of uncertainty across Wall Street. The S&P 500 has now logged multiple weeks of losses, leaving both long-term investors and day traders wondering just how much further stocks could fall.But interestingly, not everyone is backing down. Citigroup (Citi) is holding firm on its outlook, even as risks pile up, amid the Middle East drama and the current market pullback.The bank is sticking with a bold year-end target that implies a sharp rebound from current levels.So what exactly does Citi see that the market doesn’t?Citi holds S&P 500 target despite rising geopolitical risksIn a recent note to clients, Citi reaffirmed its base-case target of 7,700 for the S&P 500.That’s a notable call, especially with the index currently trading at 6,368 as of the March 27 close, and after a difficult stretch. To get there, stocks would need to rally roughly 20% from current levels.Citi’s outlook is built on projected earnings of about $320 per share, a figure the bank now suggests could actually be conservative given recent earnings momentum.Related: Citi analysts see big opportunity in GM’s $6 billion crisisThe firm also outlined two alternative scenarios:Bull case: 8,300, driven by stronger earnings and valuation expansionBear case: 5,700, reflecting weaker fundamentals and falling multiplesDespite mounting concerns tied to the Iran conflict and broader macro uncertainty, Citi made it clear:“We maintain our full-year targets for now.”That stance stands out, especially as many investors grow more cautious.

Michael Nagle/Bloomberg via Getty Images

Market volatility rises as oil surges and war weighs on stocksThe backdrop for Citi’s call is far from calm. U.S. stocks have just closed out their fifth straight losing week, with the S&P 500 down sharply from its January highs. The index is now roughly 8-9% below its peak, highlighting the growing pressure on equities.The broader market tells a similar story. As of March 27th, the market closes for the day and week was as follows:Dow Jones Industrial Average dropped 1.7%, shedding 793.47 points, closing at $45,166.64Nasdaq Composite fell more than 2%, dropping 459.72 points, closing at $20,948.36Big Tech names like AMZN and META led declines too, dropping 4.02% each.At the center of the volatility is the escalating Middle East conflict.After markets closed, Donald Trump said he would pause energy-related strikes on Iran temporarily, offering a brief moment of relief. But uncertainty remains high, with reports suggesting potential troop deployments and continued military escalation.That uncertainty is feeding directly into energy markets.More Wall StreetBillionaire Dalio sends 2-words on Fed pick WarshTop analyst bets these stocks will boost your portfolio in 2026Bank of America sends quiet warning to stock market investorsAs per Trading Economics, Oil prices have surged sharply, with Brent crude oil climbing above $111 per barrel on Friday. That’s its highest level since June 2022. Raising concerns about a new wave of inflation.And that’s where the real risk lies.Higher energy prices could ripple through the economy, increasing costs for businesses and consumers alike, potentially slowing growth and weighing on corporate earnings.Why Citi still sees upside for stocksSo why is Citi staying optimistic? It comes down to one key factor: earnings resilience.Despite the market pullback, the bank believes corporate profits remain strong enough to support higher stock prices over time.Technology continues to lead the way, with earnings estimates for the sector rising significantly in 2026. Mega-cap stocks still play a major role, but there’s a shift happening beneath the surface.The broader market is starting to contribute more.After emerging from an earnings slowdown, the “other 492” companies in the S&P 500 are now expected to deliver low double-digit growth. A sign that market breadth is improving.That matters because rallies driven by more sectors tend to be more sustainable.Citi also sees potential support from macro policy.Its economists expect the Federal Reserve to cut interest rates multiple times this year. A move that could ease financial conditions and support equity valuations.Still, risks remain. Citi flagged several threats to its “goldilocks” outlook:Prolonged Iran conflictHigher-for-longer oil pricesAI disruption risksPrivate credit market stressOngoing trade uncertaintySo, where does that leave you and me specifically? Citi’s message is clear: even if the path is volatile, the destination may still be higher.But with markets under pressure and uncertainty rising, the real question becomes whether investors stay patient enough to see that upside play out, or get shaken out along the way.Related: JPMorgan resets S&P 500 price target for rest of 2026

Gaming is getting more expensive, and everyone is feeling the pinch.Sony (SONY) said it will raise U.S. prices for the PlayStation 5 lineup starting April 2. The standard PS5 will cost $649.99, the Digital Edition will cost $599.99, and the PS5 Pro will cost $899.99. At the same time, Microsoft (MSFT) is already charging $29.99 a month for Xbox Game Pass Ultimate.That is why a new report about Game Pass is turning heads. GameSpot, citing The Information, said new Microsoft Gaming CEO Asha Sharma is aiming for new methods to make Xbox products, including Game Pass, more appealing to a larger set of users. One idea that is being considered is cheaper Game Pass tiers.That is the key point for both readers and investors. Microsoft has not confirmed that it is launching ads in Game Pass. What is reportedly under consideration is lower-priced options for Game Pass. The ad-supported angle is still a possible next step. However, that is not the confirmed takeaway.Why this story mattersGamers are looking for cheaper ways to play.Microsoft is investigating how to grow Game Pass.Sony’s higher PS5 prices may give Xbox an opening.A cheaper Game Pass tier will appeal to both budget-conscious users and investors on the lookout for user growth.Microsoft is chasing a simple ideaThis story is easiest to understand through one word: value.When Microsoft hired Asha Sharma, the tech giant was very happy and said she had experience building global platforms and aligning business models with long-term value. That matters now because Game Pass is no longer the no-brainer bargain it once seemed to be.Related: Sony hikes prices for the PS5 and PS5 ProFor many players, monthly subscription costs are building up. A cheaper Game Pass plan could be an easy way for Microsoft to keep Xbox appealing at a time when consumers are looking to make sure that they do not lose too many dollars.For investors, the logic is also simple. A lower-priced option could bring more people into the Xbox ecosystem, even if everyone ends up paying for the most expensive tier. That could help Microsoft grow its reach first and worry about upselling later.What a cheaper Game Pass tier could look likeA lower monthly price with fewer perksSome games won’t be available on day one.Limited access to cloud gamingAn option with adsA package that comes with another subscription, like Netflix.An important thing to note; the ad-supported option does not mean each and every tier of this package is coming.The ad-supported idea is getting attentionThe part of the story that gets the most attention is a possible ad-supported initiative.

Microsoft may make Game Pass cheaper, but there’s a catchPhoto by picture alliance on Getty Images

Earlier reporting has linked Microsoft to the idea of letting players watch ads. What do they get in exchange? Free or cheaper access to some Game Pass content. Console gamers are used to paying for a high-quality experience with few ads, so this would be a big change for them.Related: Microsoft drops support for key devicesThe report also said Netflix co-CEO Greg Peters is under discussions concerning the possible bundle ideas with Sharma. That is an important matter because it shows Microsoft may be considering doing something beyond a basic cheaper tier and looking at bigger subscription bundle ideas.What readers should understand about the ad rumorA cheaper Game Pass tier is the main idea under consideration.An ad-supported Game Pass version has not been confirmed.A Netflix-Xbox bundle has not been confirmed either.The main idea is that Microsoft might want a pricing model that is more flexible.For everyday readers, the takeaway is very simple. Microsoft may be trying to make gaming feel more affordable again.The message to stockholders is just as clear: if Microsoft can get more people to use Game Pass, it could help the Xbox business stay valuable in the long run.Sony’s price hike gives Microsoft an openingThis is where Sony plays a crucial role in the narrative.When PlayStation hardware gets more expensive, Microsoft holds a tremendous opportunity to look more consumer-friendly. Related: Samsung pulls off a stunning Galaxy S26 shockerXbox could tell gamers that they don’t need to spend as much up front to stay in a console ecosystem if they offer a cheaper Game Pass option.That might be the most important thing in the whole story. Microsoft might not be able to win by lowering the prices of its consoles a lot, but it could still compete by making the subscription side cheaper.What investors should watch nextIf Microsoft officially says anything about lower-priced Game Pass tiersIf the company talks about ads at allIf Netflix and Xbox ever make a dealWhether Sony’s higher PS5 prices will make more gamers who care about value switch to XboxWhether Game Pass growth becomes a bigger talking point under Asha SharmaThe consumer case is simple: if gaming keeps getting more expensive, players will be more likely to try a cheaper option.The case for investing is also simple: if Microsoft makes Game Pass cheaper, it might get more people to use it, which would make the Xbox ecosystem stronger over time.That doesn’t mean success, and Microsoft hasn’t said anything about a new tier yet. But it does make this rumor worth keeping an eye on.Related: Apple just got a brutal iPhone 18 warning

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 dealWe’re all so busy, so we especially love products that are easy and convenient. As you’re preparing for spring cleaning, you can save yourself time as you’re giving your bedroom a refresh with a new bedding set. Luckily for you, we found a limited-time deal on a 7-piece bedding set – sheets, comforter, pillowcases – everything you need to refresh your bed, all in one simple package. With this sale, you’ll get everything you need for a spring reset for your bed for less than $4 a piece. The Velorose 7-Piece Bedding Set is just $27 right now at Amazon, down 31% from its regular price of $39. Shop before this limited-time deal ends to get your new sheets and comforter at an amazingly affordable price. If you’re looking for another reason to add this set to your cart besides its affordable price tag, it’s important to note that it has fewer returns than similar items and customers usually keep it. Velorose 7-Piece Bedding Set, $27 (was $39) at Amazon

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Shop at AmazonWhy do shoppers love it?This set includes everything you need for a beautiful, color-coordinated bed. Say goodbye to mismatched bedding when you upgrade to this matching set. The best sale price of $26 for a queen set is the black bedding, for a classic dark look, but you can also get it in a few other colors if you don’t mind spending a few dollars more. It’s also available in beige, dark gray, navy, Emerald Green, pink, red, and white. And if you’re shopping for multiple beds in the house, the manufacturer also has this set in other mattress sizes, including twin, twin XL, full, and king – just make sure to check for color availability and know that the pricing varies, yet many other options also have a deal offer right now. Shoppers love the thickness of the comforter, saying it keeps them warm without being too hot, making it perfect to use all year round. One shopper called it a “Soft, stylish queen bed-in-a-bag set that works year-round.” They continued, “The fabric feels soft and breathable, and the comforter has a nice balance of warmth without feeling too heavy, making it comfortable for all seasons. It doesn’t make noise when moving around at night, which is a small detail but definitely appreciated.” Many other shoppers agree that it is so soft, with one saying it is “soft and fluffy” and others noting that it is very comfortable. Many other shoppers note that the corners of the fitted sheet don’t fall off during the night while you move around. It’s designed with deep pockets to fix mattresses from 10 to 14 inches thick. One shopper said, “It is so soft, and the fitted sheet went on so smoothly. It didn’t slip or slide and remained taut in place. Great value.”Related: Amazon’s ‘lightweight’ 7-piece comforter set is ‘perfect for spring’ and the 19 colors start at $30When it comes to cleaning, this set is machine washable for easy care. The manufacturer recommends washing it separately. You simply run it on the gentle cycle using cold water. To dry, tumble on low heat. Details to knowMaterial: 100% polyester. Care: Machine wash.  Set includes: Comforter, flat sheet, fitted sheet, two pillowcases, and two pillow shams. This set ships in a vacuum-sealed bag, so when you first get it, you’ll need to fluff it back out. The manufacturer recommends either throwing it in your dryer on low heat or air drying it in the sun and then gently tapping it to get it back to its perfect shape and fluffiness. Shop more deals Jollyvogue 2-Pack Queen Pillows, $18 (was $28) at AmazonUtopia Bedding 2-Pack Down Alternative Pillows, $29 at AmazonOsbed 2-Pack Cooling Adjustable Pillows, $39 (was $47) at AmazonThis great deal on a complete bedding set won’t last forever, so pick up the Velorose 7-Piece Bedding Set while it’s available at the low, affordable price of just $27 at Amazon for a limited time. 

On March 26, Freddie Mac released the results of its Primary Mortgage Market Survey (PMMS), finding that the weekly 30-year fixed-rate mortgage (FRM) averaged 6.38%.”The housing market continues to show gradual improvements compared to a year ago amid recent rate volatility,” said Freddie Mac chief economist Sam Khater. “Purchase and refinance applications are up year-over-year, and rates remain lower than last year when they averaged 6.65%.”The next day, the daily 30-year FRM hovered near 6.7% before settling at 6.64%, according to Mortgage News Daily (MND).”There were mixed blessings in the mortgage rate world today,” wrote MND chief operating officer Matthew Graham. “The bad news is that today’s rates are just a bit higher than yesterday’s, resulting in another 8-month high. The good news is that things were looking quite a bit worse earlier in the morning.””Mortgage lenders prefer to set rates once per day even though those rates are dictated by movement in the underlying bond market,” Graham continued. “If bonds move enough, lenders will change rates mid-day. Today was one of those days and, fortunately, the change was in a friendly direction.”Dave Ramsey warns Americans about importance of real estate agentsAs mortgage rates rise, homebuying and selling become difficult, rattling the housing market amid a drop in sales.As these economic trends affect individuals, bestselling personal finance author and radio host Dave Ramsey offers a warning about real estate investments, such as homes.”Whether you’re buying or selling a house, you’re dealing with a lot of cash,” Ramsey wrote. “But here’s the thing — just one mistake during the home-buying or home-selling process can cost you tens of thousands of dollars.””So, it’s no wonder why 88% of all buyers and 91% of sellers decide it’s worth working with a real estate professional,” Ramsey continued. “Because when you have a solid pro on your side, they’ll take care of the nitty-gritty details.”More on mortgages, housing market:Zillow sounds alarm mortgage rates, housing marketBerkshire Hathaway HomeServices predicts housing market pivotRedfin sends strong message on mortgage ratesRamsey acknowledges that working with a real estate involves expenses, but argues that those costs are justified.”Real estate agents are usually paid via commission (for example, 3% of a home’s purchase price) for helping you close on a home,” Ramsey explained. For example, if a home sells for $400,000, a 3% commission would give both the listing agent and the buyer’s agent about $12,000 each.

Dave Ramsey acknowledges that expenses exist when using a real estate agent, but argues that those costs are justified.Shutterstock

Dave Ramsey explains value of real estate agentsRamsey clarified his view that real estate agents are very much worth the money.”When you hire a buyer’s agent, you’re getting someone on your side who looks at hundreds of homes every year and helps tons of families navigate the home-buying process,” Ramsey wrote. “A buyer’s agent brings experience, market knowledge and negotiation skills to the table that can save you time, money and a ton of stress.”Ramsey lists top buyer’s agent tasksA strong buyer’s agent helps you identify the right home in the neighborhood that best matches your needs.They spot potential problems early so you don’t overpay or end up choosing a property that isn’t a good fit.They make sure you don’t overlook a home that could actually suit you well.They negotiate effectively on your behalf and work to protect your best interests throughout the process.They keep a close eye on new and updated listings so they can point you toward homes that match most of the features you’re looking for.They show you the strongest options and, when you find one you like, they help you prepare and submit a solid offer.After your offer is accepted, they arrange the home inspection and manage any needed repairs or contract updates.They make sure you don’t end up with a bad deal or miss important details buried in the paperwork.(Source:Ramsey Solutions)Ramsey lists top seller’s agent tasksA home seller’s agent has similar qualifications, but from the other side of the transaction, Ramsey explained.A good seller’s agent gives you confidence and peace of mind when you’re preparing to sell your largest asset.They bring deep market knowledge and help you set an accurate, competitive listing price.They manage the marketing of your home and coordinate showings with qualified buyers.They guide you through evaluating offers and negotiate to secure the strongest possible deal.They walk you through how to stage and present your home so it appeals to buyers.They use their knowledge of recent sales in your area to help you set a competitive, realistic price.They promote your home widely — through the Multiple Listing Service (MLS), social media, and advertising — to attract as many buyers as possible.This broad exposure helps your home sell quickly and for the strongest possible price.(Source:Ramsey Solutions)Related: Zillow forecasts mortgage rate, housing market shift

Bank of America has agreed to pay $72.5 million to settle a class-action lawsuit filed on behalf of women who say they were victims of Jeffrey Epstein’s sex trafficking operation, reported CBS News. The settlement was filed in Manhattan federal court on March 27.The bank denies wrongdoing. The settlement still requires approval from U.S. District Judge Jed Rakoff, with a hearing scheduled for April 2.What the Jeffrey Epstein victims’ lawsuit allegedThe lawsuit, filed in October 2025 under case number 25-cv-08520 in the U.S. District Court for the Southern District of New York, accused Bank of America of providing banking and financial services to Epstein and his associates while ignoring clear warning signs. Plaintiffs alleged the bank failed to file required suspicious activity reports with federal authorities until after Epstein’s death in August 2019, per CBS News.The lead plaintiff, identified only as “BOA Jane Doe,” said she was living in Russia when she met Epstein in 2011 and was coerced into what she described as a cult-like life. According to court filings, Epstein paid her rent and income through a Bank of America account while controlling her financially, emotionally, and psychologically, sexually abusing her on at least 100 occasions over eight years.More Wall StreetBillionaire Dalio sends 2-words on Fed pick WarshTop analyst bets these stocks will boost your portfolio in 2026Bank of America sends quiet warning to stock market investorsA central element of the lawsuit involved billionaire financier Leon Black, co-founder of Apollo Global Management. The suit alleged that $170 million Black paid to Epstein from a Bank of America account, described as compensation for “tax and estate planning advice,” represented suspicious transactions the bank should have flagged.Black was not a defendant in the lawsuit but was described as a “critical witness” by Sigrid McCawley, the lead attorney for the victims. Black had been scheduled to be deposed on the same day the settlement details were filed with the court.Bank of America’s position on Epstein lawsuit”While we stand by our prior statements made in the filings in this case, including that Bank of America did not facilitate sex trafficking crimes, this resolution allows us to put this matter behind us and provides further closure for the plaintiffs,” the bank said in a statement cited by NBC News.In February 2026, Judge Rakoff had allowed key claims to proceed, ruling that allegations of the bank’s “reckless disregard” were sufficient to support the case moving forward. The settlement was reached in principle on March 12, and its terms were made public on March 27.Which Epstein victims are covered and what happens nextThe settlement covers all women sexually abused or trafficked by Epstein or his associates between June 30, 2008, and July 6, 2019. Lawyers in the case said they are aware of at least 60 women victimized during that period.Plaintiffs’ attorneys, including McCawley of Boies Schiller Flexner, may seek up to 30% of the fund, approximately $21.8 million, in legal fees. The remaining amount would be distributed among class members after court approval.”Today’s resolution of the case against Bank of America is one more step on the road to much deserved justice,” McCawley said.

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How this compares to prior Wall Street Epstein payoutsJPMorgan Chase: Agreed to pay Epstein victims $290 million in June 2023, per NPR. JPMorgan separately paid the U.S. Virgin Islands $75 million later that year.Deutsche Bank: Agreed to pay victims $75 million in 2023, around the same time as JPMorgan’s settlement.Bank of America: $72.5 million settlement, pending court approval April 2.As with the prior settlements, Bank of America did not admit liability. The pattern across all three institutions has been the same: settle, deny wrongdoing, and move on.What Bank of America’s lawsuit settlement means for investorsThe $72.5 million figure is not material to Bank of America’s finances. The bank reported $7.6 billion in net income in the fourth quarter of 2025 alone, making the settlement cost roughly three days of profit.The more significant question for investors is reputational. Bank of America is the last of the major Wall Street institutions to settle Epstein-related claims. With this litigation moving toward closure, the legal overhang on the stock from this case is effectively resolved pending Rakoff’s approval.The broader pattern across all three banks is notable. Each institution processed transactions for Epstein over many years. Each was accused of ignoring red flags. Each ultimately chose to settle rather than go to trial. None admitted wrongdoing.The settlements collectively represent hundreds of millions of dollars paid to victims and their attorneys. But no bank has faced criminal charges or regulatory action directly tied to Epstein-related compliance failures.Related: Bank of America revamps Apple price target