Other tax repercussions crop up down the road because balances build up, and RMDs get complicated
SUCCESS
‘The Odyssey’ Decimates ‘Doomsday’, ‘Spider-Man’ And Even ‘GTA 6’ In Popularity Review
The Odyssey had higher peak popularity this year than Avengers: Doomsday, Spider-Man: Brand New Day and even the upcoming Grand Theft Auto VI video game according to data from Google.
Microsoft just gave Nvidia shareholders a reason to pay attention
Nvidia has been one of the biggest winners of the AI boom, but its stock has cooled off as investors fret that Big Tech is overspending on data centers. The shares climbed more than 1,200% over the past three calendar years, yet they’re up only about 13% so far in 2026.
The stock has at least held up better than most. When AI and chip stocks lost more than $1 trillion in combined value during one week in mid-October, Nvidia fared better than many of its peers. Now one of its biggest customers has offered a fresh reason for optimism. Microsoft’s latest report showed where its AI money is going, and much of it is landing on chips.
Microsoft’s spending tilts heavily toward chips
Microsoft reported its fiscal first-quarter results on October 28, posting revenue of $92.3 billion, up 19% from a year earlier, while its Azure cloud business grew 48%, according to Microsoft. Net income rose 32% to $36.6 billion. Strong cloud demand like that is exactly what keeps chip orders flowing.
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The detail that matters most for Nvidia came in the spending breakdown. Roughly three-quarters of Microsoft’s $45.2 billion in quarterly capex went toward “short-lived assets,” a group that includes CPUs, GPUs, and data center networking gear. That works out to roughly $34 billion in a single quarter, much of it on the kind of hardware Nvidia sells.
Microsoft isn’t easing off, either. The company expects capex to top $50 billion in the second quarter and has guided for about $170 billion in calendar-year spending, with the increase driven by CPUs and GPUs. It also said it expects to remain cash-flow positive.
Microsoft is spending because customers keep asking for more. Capex, including finance leases, actually came in a bit below analyst forecasts, yet the company guided for Azure growth of 49% to 50% next quarter and said Copilot users jumped 50% from the prior quarter, SiliconANGLE reported. “We still have demand that exceeds supply,” chief financial officer Amy Hood said.
Why this matters so much for Nvidia
Nvidia leans heavily on customers like Microsoft. In its fiscal second quarter, Nvidia’s revenue more than doubled to $96.2 billion, and its data center business brought in $89 billion of that, up 117% from a year earlier, according to Nvidia. That means data centers account for about 92% of total sales. Net income rose 126% to $59.7 billion.
That concentration cuts both ways. Strong cloud spending can send Nvidia’s results soaring, but any pullback by the biggest buyers would hit it hard. That’s why investors pore over every capex update from Microsoft, Alphabet, Amazon and Meta.
The near-term outlook looks solid. Nvidia has guided third-quarter revenue to about $108 billion, give or take 2%, without counting any data centre compute sales to China, as reported by Nvidia. Its next report, due in November, will show whether Big Tech’s spending is still flowing through to its top line.
The CPU angle adds another wrinkle. Nvidia recently launched its first stand-alone CPU, called Vera, built specifically to power AI agent workloads. If Microsoft’s spending on CPUs keeps rising, Nvidia now has a product to compete for a share of that money too.
Nvidia has been one of the biggest winners of the AI boom, but its stock has cooled off as investors fret that Big Tech is overspending on data centres.Sean Gallup / Getty Images
The AI spending fears haven’t gone away
Not every tech giant got the same reception this week. Alphabet’s shares fell about 10% after hours following a disappointing search business and negative free cash flow, while Microsoft rose more than 5% partly due to positive free cash flow. Even so, Alphabet plans to lift 2027 capital spending above this year’s $195 billion to $205 billion forecast, which is more good news for chip suppliers.
The split shows what investors want now. Capital.com analyst Daniela Hathorn said the Alphabet and Microsoft results offered “competing narratives” on whether AI is paying off. Spending alone no longer earns applause. Companies have to show it’s turning into revenue.
The bigger picture still favours chipmakers. Goldman Sachs expects the five largest U.S. hyperscalers to lift AI infrastructure spending to $1.2 trillion in 2027, up from roughly $800 billion this year, according to TheStreet. Its model shows capex growth stepping down to 54% in 2027 and just 12% in 2028. The bank also estimates these companies need about $300 billion in yearly AI revenue just to break even.
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Other big customers are lining up too. Elon Musk said SpaceX’s new computing capacity next year will be mostly Nvidia’s Vera Rubin chips, and Jensen Huang has pointed to at least $1 trillion in orders for Blackwell and Vera Rubin through 2027.
What it means for Nvidia shareholders
The stock has lagged its own business. Nvidia gained 239% in 2023, 171% in 2024 and 39% in 2025, but its forward price-to-earnings ratio had fallen to about 23.2 by July, trading near parity with the S&P 500. That’s a sharp change from years of trading at a steep premium.
Microsoft’s numbers suggest the spending story is still intact. One of Nvidia’s largest customers put about three-quarters of its quarterly capex into chips and networking gear and plans to spend about $170 billion in fiscal 2027, according to Microsoft. With commitments like that on the table, it’s hard to argue that demand is drying up anytime soon.
There are risks. Nvidia depends on a small group of very large buyers, and many of them are now borrowing to fund the build-out. Morgan Stanley estimates AI-related global debt issuance will approach $570 billion in 2026, as reported by TheStreet. But for now, Microsoft is giving Nvidia shareholders exactly what they hoped to hear: the money is still flowing toward chips.
Related: Microsoft is offering 60,000 employees a way out
How to Protect Your Winter Productivity When the Clocks Fall Back
Daylight saving time ends at 2 a.m. on Sunday, November 1, across most of the US, and the extra hour of sleep is the part everyone talks about. The part that affects your work is what comes after it. Mornings get brighter for a while, evenings go dark around the time many founders are still pushing through their most important tasks, and the next few months bring less daylight than any other stretch of the year.
For anyone whose income depends on the quality of their thinking, that matters. Your energy, focus and mood are tied to light more closely than most people realize, and the shift into winter quietly changes all three. Protecting your winter productivity doesn’t take an elaborate protocol. It takes a few deliberate choices about when you get light, when you sleep, and how you arrange your day around the daylight you have.
Why the Darker Months Hit Your Output
Your body runs on an internal clock, and light is one of the main signals that sets it. Jean Tsai, a sleep neurologist at the University of Colorado Anschutz School of Medicine, explained in a recent interview about the fall time change that light reaches the brain through the eyes and works through pathways involving melatonin, the hormone that helps govern the sleep-wake cycle. Bright morning light helps set an earlier sleep time and better sleep quality, while light late in the day tends to delay sleep and make it worse.
The fall change is generally easier on the body than the spring one, since you gain an hour rather than lose it. It still disrupts routines. Tsai notes that people tend to wake up earlier and get sleepy earlier after the switch, that keeping a consistent schedule becomes harder, and that night owls can take close to two weeks to adjust. She also points out that older adults tend to have more sleep problems after the fall change, and people living with depression often see their mood worsen.
Then there’s the longer stretch of shorter days. Raghu Upender, medical director of the Vanderbilt Sleep Disorders Center, told Vanderbilt Health News that because light suppresses melatonin and darkness encourages it, fewer hours of sunlight help explain why so many people feel more tired and groggy through fall and winter. In his words, “Daylight helps us be active and productive.” When the light disappears earlier, so does a lot of the natural lift that carries people through the afternoon.
Andrew Huberman’s breakdown of how morning and evening light affect your energy and sleep is a useful primer before you change your routine.
Treat Morning Light as Part of Your Workday
The simplest and most reliable lever you have is getting light early. Upender’s advice is direct: the best way to reset your internal clock is light exposure in the morning, and it doesn’t have to be direct sunlight. Opening the curtains, turning on bright lights or getting outside for a walk all help.
For a founder, the trick is to stop treating this as a wellness habit you’ll get to if there’s time and start treating it as the opening block of your workday. Take your first call of the day on a walk. Read your morning brief by a window instead of in a dim corner of the house. Drink your coffee outside before you open your laptop. These are small changes, but they move the most important light signal of the day to the place it’s most effective, and they cost you almost nothing in time.
If you work from home, look honestly at where you sit. A desk tucked into a dark room might feel cozy in November, but ordinary indoor lighting is far dimmer than daylight. Moving your workspace closer to a window for the winter is one of the easiest upgrades you can make to how you feel by mid-afternoon.
Hold Your Schedule Steady Through the Switch
The clock change is a good test of how dependent your days are on a stable rhythm. Andrea Matsumura, a sleep physician and spokesperson for the American Academy of Sleep Medicine, told TIME that most people transition into standard time fairly easily, and her advice is simply to stick to your regular sleep schedule.
That’s the core principle for anyone who wants to keep their output steady. Keep your wake time consistent through the week of the change, even if your body is ready to get up earlier, and resist the urge to treat the extra hour as permission to stay up late every night. If you tend to wake too early in the days after the switch, Tsai suggests shifting bedtime and wake time by 10 to 15 minutes a day for a few days and getting some bright light in the evening for the first few days, while limiting it early in the morning, to nudge your clock later. Most people settle within one to two weeks.
Pay attention to how your energy behaves during those two weeks rather than pushing through it. If you notice you’re sharper earlier in the day, that’s useful information for how to plan the rest of the season.
Rebuild Your Calendar Around the Light You Have
Once the clocks change, most of the bright hours fall in the first half of the day. That’s a strong argument for moving your most demanding work there. Writing, strategy, product decisions, difficult conversations and anything else that needs your best thinking should sit in the morning and early afternoon, when you have both daylight and a fresher mind on your side.
Routine work belongs later. Email, admin, approvals and updates can happen once the light starts to fade, because they don’t demand the same quality of attention. If you’ve already built a founder energy operating system to protect your peak hours, winter is the time to adjust it, since your peak may shift earlier than it was in summer.
This is also where you can be selective about meetings. If you have control over your calendar, protect your mornings from calls that could easily happen in the afternoon. A season with less light is a good reason to defend the hours when you do your best work.
Manage the Early-Evening Dip
For many people the hardest moment of the winter workday arrives when it gets dark outside while there’s still work to do. Upender notes that earlier darkness can bring more fatigue on the commute home, and many people working from home will recognize the same feeling settling in at their desks. If you already know the familiar 3 p.m. slump, winter can make it arrive sooner and hang around longer.
Tsai’s recommendation is a 30-minute walk or 30 minutes of light exposure after work. If your schedule allows it, a walk in the last of the daylight can serve the same purpose during the day, breaking up the afternoon and giving your body one more strong light signal before the evening. Exercise earlier in the day helps too. Vanderbilt’s sleep guidance suggests exercising earlier rather than right before bed.
Be careful about what you reach for when energy drops. Caffeine late in the day might rescue one afternoon, but both TIME’s experts and Tsai advise against late caffeine, and alcohol can disrupt sleep around the time change. A tired afternoon followed by a poor night’s sleep is how a rough week turns into a rough month.
Protect Your Evenings So the Next Morning Works
Winter evenings are long, and it’s tempting to fill them with more screen time, whether that’s late emails or another episode. The problem is that light at night works against you. Tsai explains that ordinary room lighting and light-emitting devices delay the release of melatonin, which pushes sleep later and can leave you feeling out of sync.
Dim the lights in the last hour or two before bed, keep devices out of the bedroom where you can, and give yourself a predictable wind-down that signals the workday is over. It’s not glamorous, but the quality of your sleep tonight sets the ceiling for your focus tomorrow. Your best ideas in January will depend on how you treat your evenings in November.
Know When It’s More Than the Winter Blues
Feeling a bit flatter when the days get shorter is common. The National Institute of Mental Health notes that many people feel down in fall and winter and better in spring. For some, though, it’s more serious. Seasonal affective disorder is a type of depression with a recurring seasonal pattern, with symptoms that last about four to five months of the year, and the winter pattern can include oversleeping, carbohydrate cravings and social withdrawal.
If you notice your mood, energy and focus dropping significantly each winter, talk to a health care provider. NIMH lists light therapy as a long-standing treatment for winter-pattern SAD, usually involving a bright light box of 10,000 lux used for about 30 to 45 minutes, typically first thing in the morning. Mayo Clinic recommends speaking with a provider before choosing a light box, especially if you have bipolar disorder or eye conditions. Talk therapy and medication are also effective options. If you’re struggling or having thoughts of suicide, you can call or text 988 in the US.
Founders are often the last to admit when something deeper is affecting their work. Paying attention to a seasonal pattern isn’t weakness. It’s the same awareness you’d bring to any other risk in the business.
Use the Dark Season to Your Advantage
The winter months don’t have to be a slow grind until spring. Handled well, they can be some of your most focused weeks of the year, with fewer distractions, longer evenings for rest and a clear window each morning for your most important work.
The approach is simple. Get light early, keep your schedule steady through the switch, move your best work into the bright hours, guard your evenings and watch for signs that you need more support. Protecting your winter productivity comes down to respecting the one signal your body has relied on far longer than any calendar, and building your day around it.
The post How to Protect Your Winter Productivity When the Clocks Fall Back appeared first on Addicted 2 Success.
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Chipotle is leaning on new menu items to bring diners back
Chipotle Mexican Grill (CMG) has had a rough year, and the burrito chain has been cooking up ways to get back up. One way the chain is bringing diners back to its stores is by introducing a steady stream of fresh menu items. Based on the third-quarter results the company reported recently, that strategy seems to be working.
On October 28, 2026, Chipotle reported Q3 results, and according to its SEC filing, the chain’s comparable restaurant sales grew 2.1%, beating Wall Street expectations. The company beat expectations even after the business was potentially linked to a Salmonella outbreak in the U.S., which caused its stock to fall back in August.
Investors clearly liked the stock’s Q3 performance, as CMG climbed more than 8% on October 29 before closing around $31 per share. Bank of America analyst Sara Senatore also maintained her Buy rating and $53 price target on CMG after the Q3 report.
Why the brisket return matters for Chipotle’s comeback
Chipotle confirmed that its Mesquite-Smoked Brisket will return to U.S. and Canadian menus on November 5, 2026, right in the heart of football season.
That matters because the last time the brisket launched on Chipotle’s menu back in September 2024, it increased the chain’s customer transactions by 4% and the average amount customers spent during a single visit, NRN reported.
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That’s one reason Senatore believes the fresh menu items can boost the company’s fourth-quarter performance. She wrote in a BofA research note shared with me that Chipotle’s “more proactive approach to driving traffic, more frequent menu innovations, revamped loyalty, social media marketing” is working.
And since the chain’s September comparable sales were up 3.8%, she feels confident that the November launch can further lift fourth-quarter trends.
Chipotle posted a third straight quarter of positive transaction growth as menu innovation and heavier marketing started to pull diners back.SOPA Images / Getty Images
Why Bank of America still sees CMG stock as a bargain
In her note, Sara Senatore trimmed Chipotle’s 2027 earnings forecast slightly to $1.37 per share. But that is mostly because of the higher labor costs tied to new apprentice managers. Even with the trimmed forecast, she still expects Chipotle’s comparable sales to grow by about 3.8% next year, which supports her Buy call. Her $53 price target also suggests she expects the stock to rise substantially from its current level near $31.
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Bank of America sees CMG as a bargain because the stock has fallen about 17% so far in 2026 and it now trades at 13.8 times forward EV/EBITDA. That is lower than its five-year average of nearly 25 times. Usually, that kind of discount on a brand this strong is worth watching.
The concerns investors shouldn’t ignore
Chipotle‘s Q3 report also had its weak spots, which investors should consider. The company’s restaurant-level operating margin fell to 23.3% from 24.5% a year earlier, which means Chipotle is making less profit on every dollar of restaurant sales. The company’s earnings per share also dropped by about 7% to $0.27.
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However, Chipotle’s management still believes their plans are paying off. Scott Boatwright, the company’s CEO, told investors that “three consecutive quarters of positive comparable transaction growth demonstrate that our Recipe for Growth strategy is working.” The question now is whether that progress can hold up once the potential holiday brisket boost fades.
What CMG investors should watch over the next two quarters
The next two quarters will play an important role in Chipotle’s fresh menu plan. The November brisket launch has to drive enough traffic to offset areas where the business isn’t doing so well. So investors should watch same-store sales when Chipotle’s fourth-quarter report comes out.
Investors should also track Chipotle’s high-efficiency equipment rollout to see whether installations continue as planned. Senatore wrote that each upgraded unit could gradually add “the additional 5 entrees per day that equate to a point of comp.” That could be a boost to the company’s numbers.
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Walmart’s 5-foot storage cabinet with 5 shelves and a drawer is only $75
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 deal
Small spaces can get cluttered so quickly, which is why they’re one of the most important places to make storage a priority. The tough part is finding an organizer that works with the room. But with areas like a small bathroom or a tiny kitchen, permanent fixtures can make the task even harder. Between toilets and built-in cabinets, you’re limited to the kinds of storage you can use. Thankfully, tall and narrow cabinets are made for areas just like this, and you can usually get a great deal on them if you know where to look.
The Walsunny Tall Storage Cabinet is on sale for just $75 at Walmart. It’s a top-rated pick with shoppers eyeing it as we write this. Normally, you can get the storage cabinet for $144, but thanks to a limited-time Flash deal, it’s 48% off.
Walsunny Tall Storage Cabinet, $75 (was $144) at Walmart
Courtesy of Walmart
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Why do shoppers love it?
At over 5 feet tall, this storage cabinet makes the most of a small space. It measures 15.7 inches long, 11.8 inches wide, and 64 inches tall, to be exact, which takes up little floor space while capitalizing on vertical storage. The cabinet has both open and closed storage, with two one-door cabinets, one open shelf, and one drawer. Each cabinet has two shelves, giving you five shelves in total. One of the shelves in each cabinet space is also adjustable, so you can customize the height based on your storage needs. With three height levels to choose from, you’ll be able to store taller items, like paper towels or cleaning supplies, if needed.
The cabinet is made of medium-density fiberboard that’s coated with a finish that’s resistant to water and moisture. This feature makes it especially great for bathrooms or kitchens, where the cabinet might come into contact with excess humidity or liquid.
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Details to know
Dimensions: 15.7 inches long by 11.8 inches wide by 64 inches tall.
Colors: White, gray, black, and green.
Material: Medium-density fiberboard.
Walmart shoppers praise this storage cabinet’s design and versatility. One shopper said it’s “sturdy and beautiful,” and added that it’s great beyond a bathroom. “I use mine in my bedroom to store all of my perfumes and facial products,” they said, and claimed that it works beautifully for their needs.
In addition to a bedroom and a bathroom, a customer said they used it in their laundry room and shared that it has “very easy, step-by-step instructions.” Another reviewer used it in their kitchen with limited cabinet space, and wrote, “This cabinet was perfect for my overflow of pantry items.”
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Add storage where you need it most with the Walsunny Tall Storage Cabinet. On sale for just $75, it’s a smart buy for small spaces.
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