SUCCESS

If you like saving money on groceries, Aldi is the place to shop. This discount grocer features rock-bottom prices on the most popular grocery items as well as organic meats, milk and specialty cheese.

In addition to its fantastic prices on all your favorite grocery items, Aldi features special deals each week in its Aldi Finds ad. This week’s ad features Halloween home decor, kitchen goods, pajama sets and more!

These items are available in limited quantities while supplies last, so you’ll want to shop early to get the best selection! If you’re an Instacart+ member, you qualify for free curbside pickup and delivery on orders of $35 or more. This includes Aldi’s middle aisle items!

Note that the ad’s start dates may vary slightly by location, but you can enter your zip code here to find the exact date these items will be available at your store. See all the deals at Aldi this week here!

Save With the Best Deals From “Aldi Finds” Available Right Now

Kirkton House cookbook stand

Take the hassle out of following a recipe! Find a similar stand at Walmart for $12.99.
Kirkton House bag and wrap organizer for $14.99

Organize your wraps in style! Find a similar organizer at Walmart for $15.29.
Crofton ceramic food container for $7.99

These containers are great for meal prep! Compare to $14.99 at Genicook.

Kirkton House 2-in-1 desk or couch caddy for $14.99

Stay organized and comfy with this caddy. Find a similar style at Walmart for $19.99.
Halloween Collection mugs for $3.99

There’s nothing like a new fun mug for the fall! Compare to a similar mug at World Market for $9.99.
Kirkton House 20″ x 34″ Crystal accent rug for $7.99

This new rug will put you in the holiday spirit! Compare to a similar themed rug for $15.99 at Kohl’s.
Serra Ladies’ 3-piece pajama set for $12.99

This set will transition well from summer to fall! Find a similar set at Amazon for $52.
Visage Ionic hairdryer for $19.99

Ionic hairdryers reduce drying time and frizz! You can find similar dryers for $41.99 at Sally Beauty Supply.
Adventuridge Metallic Copper Thirst Crusher tumbler – 40-oz. for $9.99

40 ounces will crush your thirst in short order! Compare to the Cruiser at Corkcicle for $31.50.
Joie Laundry Care Sloth dryer balls for $4.99

These dryer balls will bring a smile every time you do laundry! Compare to $10.49 at Amazon for a set of 3.
Pembrook spiral notebook – 3-pack for $8.99

Just in time for back to school! Compare to a 3-pack at Target for $18.99.

Kirkton pastel Halloween throw for $4.99

This is available in multiple patterns! Compare to $11.99 for a similar item at Kohl’s.

Serra ladies knit sandals for $7.99

Compare to $15.99 for a similar item at Amazon. 

Welby hot/cold wrap for $9.99

Amazon has a similar hot/cold wrap for $19.99. 

For even more great deals and discounts, sign up for the Clark Deals daily newsletter!The post The Best Deals of Aldi’s Middle Aisle in August appeared first on Clark Howard.

Katseye’s “Animal” rises on the U.K.’s Official Streaming chart in its second week, bringing the Grammy-nominated to a new career on the list.

Two media firms called the president’s plan to sell faster access to his social media posts “extraordinary, corrupt and unconstitutional.”

Jim Cramer has been telling retirees and would-be retirees the same thing for years. Retirement wealth does not come from trading. It comes from compounding. Most people, he says, are doing the opposite of what they should be doing.The CNBC host has a specific framework for building retirement wealth. It has three parts: broad index funds, a handful of carefully chosen individual stocks, and a small allocation to what he calls “insurance assets.” Here is what Cramer says about each one and why he thinks the combination works for retirees.Jim Cramer says stop trading and start compounding for retirement”Trading is for people who professionally traded like I did,” Cramer said on CNBC. “We don’t want that for you. We want compounding. We don’t want short-term capital gains.”He compared chasing short-term stock gains to musical chairs. The game works until the music stops. Someone always ends up without a seat. “I like you to get in and stay in,” he said, according to CNBC.More Jim Cramer:Jim Cramer has terrifying one-word message for tech stock investorsJim Cramer says he’s steering clear of one popular stockJim Cramer reveals 4 surging chip stocks he likes bestThere is also a tax reason to avoid short-term trading. Investments held for less than a year are typically taxed at ordinary income-tax rates. Investments held longer qualify for lower long-term capital gains rates. Every unnecessary sale creates a potential tax bill.Why Jim Cramer says index funds are the safest bet for retirees”Putting some money in an index fund isn’t bad advice; it’s a good way to play it safe,” Cramer said on his show. An S&P 500 index fund tracks the market rather than trying to beat it. It holds all the major companies and adjusts automatically as their weights change.According to S&P Global, roughly 79% of actively managed large-cap funds underperformed the S&P 500 in 2025. Warren Buffett has said index funds almost always make the most sense for everyday investors. Cramer and Buffett agree on this one.The power of index funds is in consistency. Investing $20 each week for 30 years at a hypothetical 10% annual return would result in more than $179,000, according to Moneywise. Actual returns will vary. Markets do not deliver a fixed annual return. But the example shows what time and compounding can do with a small amount invested consistently.

Jim Cramer has been telling retirees and would-be retirees the same thing for years.Halfpoint/Getty Images

The individual stocks Jim Cramer says retirees should ownIndex funds are the foundation, but Cramer says they will not beat the market. Beating the market, he argues, is what makes early retirement possible for most people. That is where individual stocks come in.”Most people can’t afford to purely play it safe unless they’re already rich, which is why you have to put the other half of your holdings in a mix of individual stocks that you choose and a non-stock hedge,” Cramer said on CNBC.He suggests putting 45% to 50% of a portfolio into five individual stocks. Most of those stocks, he said, should have innovative products or services, durable competitive advantages, and a track record of consistent earnings growth. If the investor is younger, one or two picks can be more speculative. Younger investors have more time to recover if a speculative bet does not work out.What Cramer says to look for in a long-term stock:Innovative products or services with the potential to stay relevant for decadesDurable competitive advantages that are hard for rivals to replicateConsistent earnings growth over multiple economic cyclesStrong management with a long-term track recordA large, durable market that is not likely to shrink or disappear
Source: CNBC
Jim Cramer’s gold and Bitcoin call for retirement portfoliosCramer’s third category is a smaller allocation to assets that can act as a hedge when stocks decline. He has suggested putting 5% to 10% of a portfolio into these insurance assets. His two main examples have been gold and Bitcoin.Gold is a traditional store of value. Its supply is limited. Investors have historically bought it during periods of inflation, economic uncertainty, and currency weakness. Gold rose approximately 30% over the past year as investors moved toward safe-haven assets, according to APMEX.Bitcoin has a similar scarcity argument. Its supply is capped at 21 million coins. But the similarities with gold mostly end there. Bitcoin was trading around $63,880 on Aug. 10, down more than 46% from a year earlier, according to CoinMarketCap. After IBM Chairman and CEO Arvind Krishna raised concerns about whether quantum computing could eventually threaten the cryptography behind cryptocurrencies, Cramer said he planned to sell his Bitcoin.That volatility is why Cramer keeps the allocation small. The goal is diversification, not making gold or Bitcoin the center of a retirement plan. Neither asset generates dividends or cash flow. Their value depends entirely on what someone else is willing to pay for them in the future.Cramer’s three-part retirement framework: index funds or ETFs as the base, five carefully chosen individual stocks in the middle, and a 5% to 10% slice of insurance assets (gold, Bitcoin, or both) to round it out. The framework is not complicated. What it requires is patience, consistency, and the discipline to stay in rather than trade out.Related: Jim Cramer sees the writing on the wall for SpaceX investors

For diversification in the stock market, there are actively managed alternatives to index funds.

USDCx will let users transact without publicly exposing balances, counterparties or transaction histories, while allowing selective disclosure for compliance.

In this week’s Crypto Long & Short, LMAX Group’s Jenna Wright argues that markets break down not from too little capital but from capital stuck in the wrong place, trapped by settlement cycles while risk reprices by the minute. She makes the case that stablecoins and tokenization are quietly becoming the plumbing that lets money move as fast as the risk it supports.

Every year, millions of retirees eagerly await news about the next Social Security cost-of-living adjustment (COLA). It’s one of the few ways retirees can see their monthly checks increase after starting benefits, helping them keep pace with rising prices.While the official 2027 COLA won’t be announced until October, early estimates are already beginning to take shape. These projections can provide a useful glimpse into what retirees might expect next year, but they’re far from set in stone.In fact, the summer months we are in now have the biggest impact on the final COLA for 2027. Here’s why.Read: The latest Social Security warning is here; retirees should pay attentionWhy Social Security COLAs matterMany people collect Social Security benefits for decades. As inflation pushes up the cost of groceries, housing, healthcare, and other everyday expenses, benefits would steadily lose purchasing power if they weren’t eligible for a raise.COLAs are designed to help Social Security beneficiaries maintain their purchasing power by increasing benefits when consumer prices rise.What the latest 2027 COLA estimates look likeAlthough an official Social Security COLA announcement is still months away, several respected forecasters have already released preliminary projections.The Senior Citizens League, a nonpartisan advocacy group, currently estimates that the 2027 Social Security COLA will be 3.8% based on the latest inflation data available. Meanwhile, independent Social Security and Medicare policy analyst Mary Johnson projects a slightly lower 3.7% COLA.While the difference between those estimates is small, both suggest that retirees could receive a larger adjustment than they did in 2026, when benefits rose just 2.8%.The coming months matter the mostThe Social Security Administration (SSA) doesn’t simply average inflation over the entire year to calculate COLAs. Instead, it uses a very specific formula.Each year’s COLA is based on the average Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W) during the third quarter of the year. Those figures are then compared with the third-quarter average from the previous year. If prices have increased, Social Security benefits receive a COLA reflecting that change.Because of this system, the inflation readings released over the next few months are the most important ones to look at. Even modest changes in inflation during July, August, or September could move the final COLA estimate higher or lower.A smaller COLA isn’t necessarily bad newsIf you’re on Social Security, you may be hoping for a generous raise in the new year. But if the official COLA comes in lower, that’s not necessarily a negative thing.Smaller COLAs are a clear indication of cooling inflation. If grocery prices, energy costs, and other everyday expenses aren’t rising as quickly, benefits don’t increase as much.To put it another way, a 2.8% COLA in a year with moderate inflation may have the same financial impact as a 4.7% COLA in a year when prices are rising more quickly. And that ties into one key fact about COLAs all retirees should understand.Social Security COLAs are not designed to help retirees get ahead financially. They’re simply meant to help beneficiaries keep up with rising costs.The official announcement won’t come for a whileSince Social Security COLAs are based on third quarter inflation readings, the SSA won’t be able to officially announce a COLA until mid-October. That’s because September’s CPI-W can’t be calculated until data from the entire month is collected.But whether the official COLA comes in at 3.7%, 3.8%, or something else entirely, it’s important to remember what COLAs are designed to accomplish. It’s also important to keep in mind that a smaller COLA isn’t necessarily bad news and a larger COLA isn’t automatically a win.Of course, psychologically speaking, a larger Social Security COLA might sit better than a smaller raise. But the one thing to remind yourself is that at the end of the day, COLAs are a break-even tool. So if 2027’s ends up being less generous, it’s not that you’ve lost out on money. It’s that you simply didn’t require such a large raise because prices stayed fairly stable.This story written for TheStreet by Nifty 50+

Every few quarters, the debate around Nvidia moves. For a while, it was about whether AI demand was real. Then it was about whether margins could hold. Now, heading into its August 26 earnings report, the question is whether the next product cycle can keep a company already running at this pace from slowing down.Bank of America thinks it can. And the note behind that view is worth reading before the earnings date arrives.Bank of America Nvidia earnings preview and $350 price targetIn a note shared with TheStreet on August 7, Bank of America analyst Vivek Arya called Nvidia (NVDA) his top sector pick ahead of the company’s fiscal Q2 FY2027 results. He expects revenue of $94 billion to $95 billion, roughly $3 billion to $4 billion above Nvidia’s own $91 billion guidance. That guidance excludes any China data center compute revenue, meaning actual results could come in higher if modest shipments to that market resume. Third-quarter guidance, he says, should come in at $107 billion to $108 billion, well above the approximately $104 billion Wall Street is currently modeling.For context, Nvidia reported Q1 FY2027 revenue of $81.6 billion in May, up 85% year over year, with data center revenue of $75.2 billion. The Q2 guidance of $91 billion implied continued sequential growth. BofA’s $94 billion to $95 billion estimate would extend that momentum further.Related: Nvidia’s CEO just sent strong signal to stock market investorsBut Arya isn’t really writing about the next quarter. “The commencement of Vera Rubin next-generation chip deliveries marks the beginning of an extended upgrade cycle spanning multiple quarters,” he wrote. That’s the argument. Not just a beat. A new cycle.Arya has a $350 price target on Nvidia, representing roughly 56% upside from $223.96 at the time of the note. He points out that the stock is trading at about 16 times forward earnings, its lowest valuation in roughly a decade, even as the earnings trajectory continues to rise, as TheStreet reported.Why Nvidia Vera Rubin could trigger a multi-quarter upgrade cycleNvidia confirmed at GTC Taipei in June that Vera Rubin has entered full production. The platform pairs Rubin GPUs with the new Vera CPU and is expected to be available from cloud partners in the second half of 2026. AWS, Google Cloud, Microsoft and Oracle are already preparing deployments, with OpenAI, Anthropic and SpaceX among the first customers. Nvidia is targeting enough capacity to require 2 gigawatts of power for the buildout, as TheStreet reported.GPU spot rental prices are near all-time highs, Arya notes in the note. The B200 is running at about $5.66 per hour, the H100 at $2.80 per hour, the A100 at $1.64. That data point matters because it addresses one of the persistent doubts about the AI trade. If customers can still rent compute at those prices and make money from it, they have every reason to keep buying the next generation of hardware. The concern about return on investment fades when the rental market is this strong.More Nvidia:Nvidia just made a move Wall Street wasn’t ready forNvidia just locked down deal that changes AI raceNvidia stock is doing something it hasn’t done in yearsThe Vera CPU is the part of Rubin that Bank of America finds most interesting beyond the GPU story. An earlier note from the bank called it “the single greatest new addition since the GPU.” Arya’s current note projects Vera CPU sales in the second half of fiscal 2027 at roughly $20 billion, with an annual run rate of $50 billion or more by fiscal 2028. That trajectory, if it holds, would make Nvidia the largest server CPU vendor.Nvidia gross margin and memory cost inflation outlook for 2027Memory cost inflation has become one of the louder concerns about Nvidia’s margins. DRAM now makes up 40% to 50% of total production costs, up from 15% to 20% historically. The worry is that as Nvidia moves to more memory-intensive architectures, those rising costs eat into its famously high gross margins faster than the company can price around them.Arya’s note pushes back on that directly. For Vera Rubin compute racks specifically, the memory cost increase amounts to about 60 basis points of gross margin pressure versus Blackwell Ultra. Gross margins are expected to settle at 73% to 74% over time, down modestly from about 75% now. That is not the kind of structural margin erosion that would break the investment case.The bigger number is at the pod level. Complete AI pods, which bundle in more memory and storage, could see up to 500 basis points of margin impact. But Arya expects that mix to stay small initially. Nvidia’s long-term supply agreements with SK Hynix and its pricing power, given GPU rental rates near all-time highs, give the company room to pass through costs rather than absorb them.

Nvidia confirmed at GTC Taipei in June that Vera Rubin has entered full productionOta/Getty Images

Nvidia OpenAI circular financing and free cash flow explainedNvidia has committed roughly $70 billion in direct equity stakes to ecosystem partners. That includes $30 billion to OpenAI, up to $10 billion to Anthropic, and $5 billion to Ilya Sutskever’s Safe Superintelligence. Some investors have questioned whether these arrangements are circular, essentially Nvidia financing the customers who buy Nvidia chips.Arya’s note addresses this directly. Against the $70 billion in direct investments, Nvidia is expected to generate roughly $470 billion in free cash flow across 2026 and 2027. The $70 billion represents about 15% of that. There is room to keep returning approximately 50% of free cash flow to shareholders while making these investments, according to Benzinga.The $250 billion backstop tied to an OpenAI and SB Energy campus in Ohio is a different kind of commitment. It is not upfront cash. It is a contingent guarantee that only triggers if OpenAI defaults on the lease, with exposure back-loaded to 2028 and beyond. When Nvidia is expected to be generating $300 billion to $500 billion per year in free cash flow by then, the risk profile looks different than the headline number suggests.NVDA stock valuation at decade low and the BofA bull caseAt 16 times forward earnings, Nvidia is at its cheapest in about a decade. The bank’s EPS projections put Nvidia at more than $13 per share by 2027 and more than $25 by 2030, assuming the AI data center market develops along Arya’s model. That model assumes Nvidia holds more than 70% share of a market the bank sees growing past $1.7 trillion in AI data center systems.The risks are real. AMD is gaining ground in AI accelerators. The major cloud companies are building more of their own custom chips. China export restrictions remain an overhang. Hyperscaler capital spending could get more uneven if the returns on AI infrastructure disappoint. None of those go away.But the setup Bank of America is describing is a company with this level of earnings power sitting at a valuation that doesn’t reflect it. Whether August 26 confirms that or not almost misses the point. The bigger question is whether Rubin delivers what Arya’s note says it will. If it does, one earnings report is the start of something, not the thing itself.Related: Nvidia’s CEO just pointed at the part of AI that worries him most

Excitement is building for Coherent’s earnings report after upbeat results from Lumentum.