Archives April 2025

Best Free Business Bank Accounts for May 2025



Why You Can Trust Us

Investopedia was founded in 1999 and has been helping readers find the best free bank accounts for their small businesses since 2023. Investopedia’s research and editorial teams conducted independent research into small business bank accounts to provide the best possible recommendations for a variety of situations and needs. Investopedia researched and evaluated 13 popular business checking accounts without monthly maintenance fees across 33 criteria, collecting and calculating over 400 data points to determine the best picks above.


How We Find the Free Business Bank Accounts

Investopedia’s full-time research and editorial teams conducted independent, comprehensive research into small business bank accounts in April 2025. We included 13 different bank accounts in our research, all from different banks, credit unions, and fintechs. We collected and calculated 33 criteria for each account, resulting in over 400 data points. Each account was objectively scored and ranked based on this information.

Investopedia collected information directly from company websites. Any data points not used for scoring purposes were collected for background. The criteria were broken down into categories, with weights determined based on their relative importance to business bank account customers:

  • Fees: 34.5%
  • Customer Satisfaction: 20.00%
  • Limits: 17.50%
  • Terms: 15.00%
  • Availability: 13.00%

Investopedia’s full-time compliance team maintains the information on this page to ensure the content remains accurate and our recommendations are the best possible options available.



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Why Stocks Are Soaring – and Why May 7 Could Change Everything


A flood of cash is poised to rush back into U.S. stocks…

Editor’s Note: The markets have been a rollercoaster lately… but behind the volatility, a historic opportunity may be emerging.

Last week, we saw signs of a major market shift, including a rare convergence of signals that is pointing to a potential surge in U.S. stocks. Add in a flood of cash just waiting to re-enter the market – a key financial event that my InvestorPlace colleague Luke Lango predicts will occur on May 7 – and we could be at the front end of a major rally.

Luke believes that a massive bull market surge will occur due to a $7 trillion wave of cash re-entering the stock market, triggering what he calls a “Summer Panic” like we’ve not seen since 1997.

That is why he is holding a special 2025 Summer Panic Summit on May 1 at 7 p.m. Eastern. At this event, Luke will discuss why this one ultra-rare technical indicator flashing last week may be the clearest “buy” signal we’ve seen in years… and why the catalyst on May 7 could change the entire market.

Most importantly, at the event Luke will introduce you to a new set of stocks that he believes are primed to lead the next wave of growth.

Click here to reserve your spot. But hurry, you only have one more day to save your seat.

Today, Luke is joining us to discuss what he sees coming. Take it away…

The stock market turned around last week, with the S&P 500 and Nasdaq Composite both going up for fourstraight days. But that’s nothing compared to what’s next…

A flood of cash—roughly $7 trillion—is poised to rush back into U.S. stocks. One ultra-rare signal says the surge starts now, and a second, even bigger catalyst on May 7 could change the entire market and create a summer “panic” like we’ve not seen since 1997.

Look no further than today’s market dynamics for proof of the coming storm…

Trade-war headlines are whipping the market back and forth. Fear of tech slowdowns are freezing would-be buyers. Record cash piles are sitting idle while volatility rattles Wall Street. Most investors feel trapped, wondering whether the next big move is another crash.

That may sound scary… but what we’re seeing are the fingerprints of a bottom, not a collapse.

In today’s issue, I’ll unpack some of those developments…. including the fact that my favorite technical indicator triggered on Thursday.

And I’ll tell you why those developments could mean we’re at the start of a big rally.

But I’ll also get into the key financial event that’s set for May 7… and why it could create even bigger market moves than what we’ve seen so far this year.

I’ve also identified seven specific ways to position ourselves to profit from this Summer Panic – and I’ll start laying that out for you now:

Why the Market Took Off Last Week

First, the fundamentals are turning green.

Alphabet Inc. (GOOGL) reported strong quarterly earnings Thursday night. Revenues grew steadily in both advertising and cloud — two segments that investors feared would show signs of strain amid the trade war drama. But no big slowdown showed up.

Alphabet’s results poured cold water on the tech slowdown fears that have weighed on markets for weeks.

Meanwhile, more positive signs are emerging on the trade front.

Reports broke on Friday that China is considering exemptions for certain U.S. imports from its 125% retaliatory tariff. That comes just days after the U.S. issued its own exemptions from its 145% tariff on Chinese goods.

One side softens. Then the other. That’s how deals get made.

Stocks rallied. The dollar rallied. Bonds rallied. The “Sell America” panic trade is turning into a “Buy America” rally.

The stage is now set for trade deals over the next few months. Plus we’re seeing strong earnings and stabilizing inflation.

All of this makes the May 7 catalyst I’m expecting even more likely.

For technical traders, the story is just as bullish…

Ultra-Rare Indicator Triggered

On Thursday, the Zweig Breadth Thrust bullish signal officially triggered.

A ZBT signal is triggered during very strong price momentum… when the stock market moves from an oversold to an overbought situation in 10 or fewer trading days.

The ZBT is an ultra-rare, ultra-bullish indicator that’s only flashed 18 times since World War II. In every single instance, stocks were higher a year later — with average gains of 25%.

That’s not noise. That’s a signal.

Meanwhile, the S&P 500 just last week notched three straight days of gains over 1.5%. That’s another rare signal. Since 1950, every time that’s happened, stocks have been higher a year later — every single time — with average gains of 10%.

You don’t see this kind of price action in the middle of a collapse. You see it when a collapse is ending.

We think stocks have bottomed — and we’re very bullish heading into the summer.

These sorts of catalysts are often the most important thing in investing.

Regional banks and biotechs can trade sideways for years… and then surge 100% on a takeover offer. Falling stocks tend to continue downward until a good news catalyst stems the tide.

And now, I’ve identified a new catalyst that I believe will change the entire market.

Forget the Mag 7… Meet the MAGA 7.

What happens when you mix the most transformational technological megatrend of our lives (AI) with arguably the most ambitious U.S. president we’ve ever seen (Trump)?

You could ignite a $7 trillion Summer Panic in the markets… the sort of surge that we haven’t seen since the 1997 internet boom.

That’s because investors are sitting on a record $7 trillion in cash, waiting for the opportunity to jump in. Private equity alone is sitting on at least $2.62 trillion, according to S&P Global Market Intelligence.

That means we could see an enormous return of this cash to the stock market this summer.

Because here’s the truth: What we’ve seen in 2025 isn’t the stock market’s first “crash” in recent years.

The 2010 Flash Crash. The 2011 U.S. debt ceiling downgrade. The 2015 yuan devaluation. The 2018 Fed hike panic. The 2020 Covid crash. The 2022 inflation meltdown.

All of them were buying opportunities for those who knew where to look.

It was during many of the stock market crashes in the last decade that I nailed the rise of the Magnificent 7 stocks.

Amid the commodity crisis of the mid-2010s, I picked out Meta Platforms Inc. (META), Apple Inc. (AAPL), Amazon.com Inc. (AMZN), and Microsoft Corp. (MSFT) as long-term winners. All four have recorded max gains of somewhere between 800% and 1,000% since I picked them.

Then, in February 2018, the stock market found itself in one of its fastest 10% corrections ever. On the other side of that plunge, I pinpointed Google as a long-term winner. It has soared nearly 300% since then.

And in the summer of 2019, the stock market found itself in another small sell-off. That’s when I pinpointed Tesla Inc. (TSLA) and Nvidia Corp. (NVDA) as great stocks. Since then, Tesla has recorded a max gain of more than 3,700%, while Nvidia has shot up as much as 4,000%.

In other words, I called the Magnificent 7 before they were the Mag 7, and I did so during periods of elevated market volatility.

I don’t say this to brag. Rather, I say this to submit to you a truth that people often forget: Volatility creates opportunity.

Every sell-off feels scary in the moment. But in hindsight, it always looks like a gift.

This time will be no different.

Beneath the surface of the market chaos, the next great tech rally is forming.

However, it’s not forming in the Mag 7 stocks. Those stocks are yesterday’s trade – not tomorrow’s big breakout.

In this next wave, the biggest winners won’t be what I’m calling the MAGA 7. I’m talking “Make AI Great in America” stocks.

AI is already very good in America. But in the next phase of the AI boom, it will become great. We will Make AI Great in America (MAGA) over the next few years.

My MAGA 7 stocks are seven smaller AI companies — several of which you’ve likely never heard of — that are about to ride a wave of federal funding, corporate spending, and reshoring urgency into the spotlight.

They’re building the tools. Laying the fiber. Supplying the chips.

Automating the factories. And powering the intelligence behind America’s next great tech renaissance.

And I’m laying it all out at on Thursday, May 1, at 7 p.m. Eastern during my next free broadcast, The Summer Panic Summit (sign up by going here)

The May 7 shock… the $7 trillion panic. the seven little-known AI stocks that I believe will emerge as massive winners thanks to AI acceleration when the smoke clears. 

Remember: Volatility creates opportunity. It always has. It always will.

Click here to save your seat for Thursday’s free broadcast event.

See you there.

Good investing,

Luke Lango

Editor, Early Stage Investor



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Tariffs Could Mean Higher Prices for Your New Home—Here’s How



Tariffs are taxes that governments place on imported goods. Companies often pass these higher costs onto customers, leading to price increases across a wide range of everyday items. While tariffs are intended to protect domestic industries, they can come with side effects: higher consumer prices, rising inflation, and added pressure on home prices.

Key Takeaways

  • Tariffs on building materials increase construction costs, leading to higher home prices.
  • Broader economic factors, including inflation and interest rates, can also impact housing affordability.
  • Inflation may push home prices higher in the short term, but prices could fall if interest rates are cut during an economic downturn.

Tariffs and Building Materials

One of the most visible effects of tariffs is the rising cost of construction materials like lumber, steel, and aluminum. These materials are crucial for building new homes, and when tariffs increase their prices, builders are forced to pass along those costs to homebuyers. Per the NAHB/Wells Fargo Housing Market Index (HMI) April 2025 survey, builders estimate that the United States’ recent tariffs add an estimated $10,900 to a new home’s typical construction costs.

Higher construction costs can slow down new housing projects. When housing supply shrinks but demand remains strong, prices for both new and existing homes can climb even further.

Impact on Home Affordability

Tariffs can also drive up the cost of home renovations and repairs due to materials needed for upgrades becoming more expensive. As homeowners invest more into renovations, the value of homes in the same market areas can rise, further impacting affordability.

Additionally, tariffs can lead to higher inflation. In an effort to keep inflation in check, the Federal Reserve often raises interest rates. Higher interest rates mean more expensive mortgages, increasing the total cost of buying a home. That said, when tariffs trigger an economic downturn, the Fed may eventually cut interest rates to stimulate growth.

Tariffs in Context

On April 2, President Donald Trump launched a new wave of tariffs, targeting nearly all imported goods. Lumber imports from Canada, a vital material for U.S. home construction, were hit particularly hard. Canadian lumber currently faces a 14.5% tariff, with the possibility of rising to 34.5%. Until U.S. production can ramp up, higher lumber tariffs are expected to keep construction costs—and housing prices—elevated.

Fast Fact

The U.S. lumber supply falls about 30% short of meeting domestic demand.

Four other presidents have previously instituted high protective tariffs: John Quincy Adams, John Tyler, Benjamin Harrison, and Herbert Hoover. All of these tariffs were repealed approximately four years after their respective introductions, and their harmful economic effects are often credited for the opposition party winning each of the subsequent elections.

The Bottom Line

Tariffs are already shaping the 2025 housing market. By raising construction costs and contributing to inflation, they’re making both homes and mortgages more expensive in the short term. If these tariffs eventually lead to a recession, lower interest rates could bring some relief at the expense of broader economic uncertainty.



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FTC Refunds $18.5M to Consumers Harmed by Publishers Clearing House



Key Takeaways

  • The Federal Trade Commission is sending a total of $18.5 million to 281,724 consumers affected by allegedly misleading claims by sweepstakes company Publishers Clearing House.
  • The shopping and sweepstakes company was said by the FTC to have sent consumers misleading emails, leading many of them to purchase products from the company.
  • The FTC said older and lower-income consumers especially were deceived into purchasing products to enter a Publishers Clearing House sweepstakes or to boost their chances of winning.

The Federal Trade Commission (FTC) is sending $18.5 million worth of checks to consumers who were affected by allegedly misleading claims made by sweepstakes company Publishers Clearing House.

The FTC on Wednesday said it is refunding 281,724 affected consumers who ordered items from Publishers Clearing House after receiving a deceptive email from the company.

FTC Points to Allegedly Misleading Consumer Emails

Publishers Clearing House, which offers multi-channel shopping and “free-to-play, chance-to-win” sweepstakes, made misleading claims in emails to consumers, the FTC alleged, including:

  • Deceiving older and lower-income consumers into purchasing products to enter a sweepstakes or to increase their chances of winning.
  • Sending deceptive emails that led consumers to believe the email was related to official documents, like tax forms.
  • Misrepresenting ordering from Publishers Clearing House as “risk-free,” even though consumers who wanted refunds had to return products at their own expense.

Publishers Clearing House filed for Chapter 11 bankruptcy earlier this month.

The company did not immediately respond to an Investopedia request for comment.



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AI Stocks Could Explode After the May 7 Market Shakeup


What happens when you mix the most transformational technological megatrend of our lives (AI) with arguably the most ambitious U.S. president we’ve ever seen (Trump)?

You could ignite a $7 trillion Summer Panic in the markets… the sort of surge that we haven’t seen since the 1997 internet boom.

And we think that panic could unfurl as soon as next week, on May 7, when the White House is expected to kickstart an AI acceleration

In short, investors are sitting on a record $7 trillion in cash, waiting for the opportunity to jump in. Private equity alone is holding at least $2.62 trillion, according to S&P Global Market Intelligence.

That means we could see an enormous return of this cash to the stock market this summer. 

Because here’s the truth: What we’ve seen in 2025 isn’t the stock market’s first “crash” in recent years.

The 2010 Flash Crash. 2011’s U.S. debt ceiling downgrade, the 2015 yuan devaluation, and 2018’s Fed hike panic. The 2020 Covid crash and ‘22’s inflation meltdown.

All were buying opportunities for those who knew where to look.

In fact, it was during many of the last decade’s stock market crashes that I nailed the rise of the “Magnificent 7” stocks…



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1851 Humbert $50 “Slug” Anchors Stack’s Bowers May Showcase Auction


Stack’s Bowers Galleries has opened pre-sale bidding for its May 2025 Showcase Auction, a 375-lot event centered on United States federal coinage. The sale will take place Tuesday, May 6, and will be broadcast live from the firm’s Griffin Studios in Costa Mesa, California.

1851 Augustus Humbert $50 slug
1851 Augustus Humbert $50 slug

A highlight of the auction is a Mint State 1851 Augustus Humbert $50 “slug,” struck by the United States Assay Office of Gold during the height of the California Gold Rush. Graded MS-62 by NGC, the large gold piece ranks among the finest known of its type.

“With the strength of the current coin market, we decided to add a showcase auction to our schedule and provide our clients with an additional opportunity to add great coins to their collections,” explained Stack’s Bowers Galleries President Brian Kendrella.

Further highlights from the May 2025 Showcase Auction auction include:

  • Lot 11020: A Superb Red-Brown 1916 Matte Proof Lincoln cent.
  • Lot 11035: One of the finest graded 1913 Type II Buffalo nickels.
  • Lot 11082: A Condition Census 1811 O-106 half dollar, graded MS-65 by NGC.
  • Lot 11106: A superb MS-67 1933-S Walking Liberty half dollar.
  • Lot 11218: A seldom offered Gem 1896-S Morgan dollar, graded MS-65+ by PCGS.
  • Lot 11281: A popular 1909-O $5 in Mint State.
  • Lot 11291: A choice AU-58 example of the conditionally rare 1884-CC eagle, approved by CAC.
  • Lot 11348: A near Gem 1907 High Relief double eagle.
  • Lot 11359: A beautiful CAC-approved MS-66 1916-S double eagle.

Interested bidders can view the auction lots by appointment at Stack’s Bowers Galleries’ New York City flagship, April 30–May 1, and at the firm’s Costa Mesa headquarters on May 5. Additional details are available at www.stacksbowers.com.

About Stack’s Bowers Galleries

Stack’s Bowers Galleries conducts live, internet and specialized auctions of rare U.S. and world coins and currency and ancient coins, as well as direct sales through retail and wholesale channels. The company’s 90+ year legacy includes the cataloging and sale of many of the most valuable United States coin and currency collections to ever cross an auction block – The D. Brent Pogue Collection, The John J. Ford, Jr. Collection, The Louis E. Eliasberg, Sr. Collection, The Harry W. Bass, Jr. Collection, The Joel R. Anderson Collection, The Norweb Collection, The Cardinal Collection, The Sydney F. Martin Collection and The Battle Born Collection – to name just a few.



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2025 Tobacco Stocks List | The 5 Best Now, Ranked In Order


Updated on April 30th, 2025 by Bob Ciura

As a business owner, selling products that have high profit margins along with strong brand awareness and an exceptionally loyal customer base is strongly desirable.

This allows for predictable revenue and high levels of profits over time.

The tobacco industry fits this model, despite declines over time in the number of customers that use its products.

Tobacco stocks are particularly attractive to income investors thanks to their generous dividends and defensive characteristics during economic downturns.

Tobacco stocks produce a lot of cash, but have very little capital expenditure needs, creating what could be considered perfect income stocks.

You can download a spreadsheet with all our tobacco stocks (along with important financial metrics such as dividend yields and price-to-earnings ratios) using the link below:

 

Tobacco stocks are widely prized by income investors thanks to their high dividend yields, stable payouts and dividend increase streaks. However, declining customer counts and usage rates are weighing on the group.

This article will analyze the prospects of 5 of the largest tobacco stocks that we cover in the Sure Analysis Research Database.

Rankings are in order of projected total returns from lowest to highest.

Table of Contents

You can instantly jump to any individual stock analysis by clicking on the links below:

But first, we’ll take a look at the tobacco industry’s primary concern, which is declining tobacco usage.

Industry Overview: Declining Smoking Rates

The percent of the U.S. population that smokes is in a continuous decline, and has been for decades.

Source: American Lung Association

The percent of the U.S. smoking adult population has steadily declined from 42% in 1965, to just 11.6% as of 2021. The declines among the youth population have been even bigger.

Young people now have a smoking rate of about one in 25. This sort of decline in an industry’s customer group generally spells trouble for the companies that operate within it.

Other forms of tobacco usage have seen similar rates of decline, including smokeless tobacco. This has been the case with every demographic group, so it is widespread among all of the companies’ potential customers.

Not only are fewer people smoking, but the ones that do are smoking less than they used to.

Source: American Lung Association

The number of people smoking at least 15 cigarettes a day has plummeted in the past few decades. Today, the overwhelming majority of smokers use fewer than 15 cigarettes daily.

In other words, there are fewer customers for the industry. And, the ones that remain are using fewer products. This has negatively impacted demand from two directions.

This has led to much lower volumes of total cigarettes sold, producing a declining total to be split up among the various companies selling cigarettes.

An increasing number of U.S. states have significantly raised the tax on cigarettes to reduce their budget deficits, and to reduce the potential appeal of smoking for consumers.

Given the propensity of localities to use tax increases on cigarettes, the situation will likely only get worse for tobacco stocks.

In addition, pricing increases have the impact of reducing usage further. Demand will almost certainly continue to decline as taxes and prices rise.

Indeed, health organizations like the American Lung Association actively encourage localities to raise taxes on cigarettes and other tobacco products to discourage usage.

To make matters worse for tobacco companies, most of the world’s smoking population rate looks much the same as the above chart. It has become abundantly clear that consumers around the world are eschewing tobacco products for health concerns.

These negative trends have kept many investors away from tobacco stocks. However, tobacco stocks can still generate solid total returns given that they tend to offer high dividend yields.

The key behind an investment in tobacco stocks is the inelastic demand for cigarettes relative to their price due to the addictive nature of these products.

Tobacco companies have been able to raise their prices to help offset declining smoking rates. As a result, they have exceptional growth records.

In addition, population growth partly offsets the effect of the declining percent of smokers.

However, investors must keep in mind that the total volumes for the industry are in fairly steep decline, and all indications are that this is irreversible.

Tobacco Stock #5: Imperial Brands plc (IMBBY)

  • 5-year expected returns: -3.7%

Imperial Brands is a tobacco company that was founded in 1901. Today, it is headquartered in the United Kingdom. The company manufactures and sells a variety of tobacco products, including cigarettes, tobaccos, cigars, rolling papers, and tubes.

Some of its core brands include Winston, Davidoff, Gauloises, L&B, Bastos, Fine, Gitanes, Kool, Jade, and many more.

The company is organized into two operating segments, tobacco and logistics. The tobacco segment includes the manufacture and sale of its various tobacco products, while the logistics segment distributes tobacco to product manufacturers.

Imperial Brands’ future growth will be fueled by its next-generation product line. This includes vapor and heated tobacco products, such as its blu brand. Imperial Brands launched the myblu product in 2018.

In addition, the company is developing heated tobacco products with consumer trials planned toward the end of the year. To help finance its growth investments, the company is launching an aggressive cost reduction program.

Click here to download our most recent Sure Analysis report on IMBBY (preview of page 1 of 3 shown below):

Tobacco Stock #4: Altria Group (MO)

  • 5-year expected returns: 5.0%

Altria is a tobacco stock that sells cigarettes, chewing tobacco, cigars, e-cigarettes, and more under a variety of brands, including Marlboro, Skoal, and Copenhagen, among others.

The company also has a 35% investment stake in e-cigarette maker JUUL, and a 45% stake in the cannabis company Cronos Group (CRON).

This is a period of transition for Altria. The decline in the U.S. smoking rate continues. In response, Altria has invested heavily in new products that appeal to changing consumer preferences, as the smoke-free category continues to grow.

Source: Investor Presentation

The company also has a 35% investment stake in e-cigarette maker JUUL, and a 45% stake in the Canadian cannabis producer Cronos Group (CRON).

Altria Group reported solid financial results for the fourth quarter and full year of 2024. For the fourth quarter, revenue of $5.1 billion beat analyst estimates by $50 million, and increased 1.6% year-over-year. Adjusted EPS of $1.29 beat by a penny.

For the full year, Altria generated adjusted diluted EPS growth of 3.4% and returned over $10.2 billion to shareholders through dividends and share repurchases.

For 2025, Altria expects adjusted diluted EPS in a range of $5.22 to $5.37. This represents an adjusted diluted EPS growth rate of 2% to 5% for 2025.

Click here to download our most recent Sure Analysis report on Altria (preview of page 1 of 3 shown below):

Tobacco Stock #3: British American Tobacco (BTI)

  • 5-year expected returns: 5.1%

British American Tobacco is one of the largest tobacco companies in the world. It owns the following tobacco brands, among others: Kool, Benson & Hedges, Dunhill, Kent, and Lucky Strike.

British American Tobacco reported its fourth-quarter and full-year earnings results on February 13. During the year, British American Tobacco was able to generate revenues of 25.9 billion Pound Sterling, which was down by around 5% compared to one year earlier.

On an adjusted organic basis, revenues were up by 1.3%, but the company was negatively impacted by currency exchange rate movements. Its revenue from New Categories, which includes vapes and other non-smokable products, grew by a solid 9% on a currency-adjusted basis, relative to one year earlier.

Thanks to strong pricing, British American Tobacco was able to grow its gross profit slightly faster compared to its revenue.

British American Tobacco earned $4.57 during fiscal 2024 (363 pence), which represents an increase of 4% on a currency-adjusted and organic basis.

Click here to download our most recent Sure Analysis report on BTI (preview of page 1 of 3 shown below):

Tobacco Stock #2: Universal Corporation (UVV)

  • 5-year expected returns: 6.6%

Universal Corporation is a market leader in supplying leaf tobacco and other plant-based inputs to consumer product manufacturers.

The Tobacco Operations segment buys and sells tobacco used to make cigarettes, cigars, pipe tobacco, and smokeless products.

Universal buys tobacco from its suppliers, processes it, and sells it to large tobacco companies in the US and internationally.

Source: Investor Presentation

The Ingredient Operations deal mainly with vegetables and fruits but is significantly smaller than the tobacco operations.

Universal Corporation reported its third quarter earnings results in February. The company generated revenues of $937 million during the quarter, which was more than the revenues that Universal Corporation generated during the previous period.

Revenues were positively impacted by product mix changes, while larger and better-yielding crops also had a positive impact on the company’s top-line. Universal Corporation’s revenues also rose on a year-over-year basis, showing a 14% increase.

Click here to download our most recent Sure Analysis report on Universal (preview of page 1 of 3 shown below):

Tobacco Stock #1: Philip Morris International (PM)

  • 5-year expected returns: 8.6%

Philip Morris International was spun off from Altria in 2008, and is charged with the production and distribution of Altria’s products outside of the United States. This distribution includes the Marlboro brand.

On April 23rd, 2025, Philip Morris reported its Q1 results for the period ending March 31st, 2025. For the quarter, the company posted net revenues of $9.3 billion, up 5.8% year-over-year. Adjusted EPS was $1.69, up 12.7% compared to Q1 2024. In constant currency, adjusted EPS grew by 17.3%.

Total shipment volumes were up 3.9% collectively, driven by strength in smoke-free categories. Notably, combustibles continued to show resilience, with volumes rising 1.1%.

Specifically, shipment volumes in cigarettes, heated tobacco, and oral products rose 1.1%, 11.9%, and 27.2%, respectively. Price increases, especially in combustibles, also played a key role in driving revenue.

Click here to download our most recent Sure Analysis report on Philip Morris International (PM) (preview of page 1 of 3 shown below):

Final Thoughts

Tobacco stocks as a group have had a difficult time in the past couple of years. Regulatory and consumer preference changes continue to plague the group.

But valuations are relatively low, dividend yields are high, and most companies are diversifying away from tobacco.

We see PM, UVV, and BTI currently offering the highest expected total returns. And, all offer sizable dividend yields.

Dividend sustainability varies by stock in this group, but overall, there is a lot for income investors to like when it comes to these 5 tobacco stocks.

Further Reading

If you are interested in finding high-quality dividend growth stocks suitable for long-term investment, the following Sure Dividend databases will be useful:

Thanks for reading this article. Please send any feedback, corrections, or questions to [email protected].





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AurealOne and DexBoss: The Upcoming Pre-sales Redefining Gaming and DeFi?


What Are Crypto Pre-sales?

Crypto pre-sales are an extremely important funding mechanism early on in the development of blockchain projects. Investors then can buy these tokens at a discounted price before they are made available to the general public. 

AurealOne (DLUME) and DexBoss (DEBO) are two interesting platforms entering the presale space with their set of features and different tokenomics.

AurealOne: A Blockchain Network for Gaming and Metaverse Growth

Focused on Gaming and Digital Worlds

AurealOne is a unique gaming and metaverse blockchain solution. This induces DLUME as its native token used to pay transactions, making this a good platform for both developers and gamers. 

Key Features and Benefits

  • Rapid Transaction Speeds: The use of cutting-edge technology ensures that AurealOne is one of the fastest transactions in gaming, which is highly critical in gaming where real-time performance is necessary.
     
  • Low Transaction Fees: Players and developers alike can engage with the network with low gas fees, and there is rarely an issue of skyrocketing transaction fees.
     
  • Scalable Technology: Zero-Knowledge Rollups improve the scalability of the network and enable it to process a lot of transactions simultaneously without impacting performance.
     
  • DLUME Token Functionality: As a currency and stake-earning in-game object, DLUME provides an entry to the rewards and governance rights in the AurealOne ecosystem.

Pre-sale Structure and Investment Potential

The pre-sale of AurealOne is made up of 21 rounds, and the amount of DLUME approximates $0.005 in the first round and $0.0045 in the last round. So far, the token is currently selling at $0.0013, giving early investors a high level of upside for them to capitalize upon. Pre-sale is meant to raise $50 million, and given that fact, it’s an obvious choice for those who are seeking the next block of crypto investment.

Project Timeline and Roadmap

  • Q1 2025: Development of the AurealOne blockchain
     
  • Q2 2025: Alpha release of the first game, Clash of Tiles
     
  • Q3 2025: Full blockchain launch and token conversion
     
  • 2026: Expansion with additional games and metaverse applications

Why AurealOne Could Be the Next Big Crypto Coin

AurealOne is poised to capitalize on the rapidly expanding gaming sector, where fast and low-cost transactions are in high demand. The Clash of Tiles game launch, along with future projects, will drive the use of DLUME, contributing to its growth. 

DexBoss: Simplifying Decentralized Finance for All

A User-Friendly DeFi Platform

DexBoss is a DeFi platform that seeks to simplify DeFi’s space with an easy-to-use trading experience that is ideal for both beginner and expert users. DexBoss packs a lot of machinery to bridge the gap between traditional finance and the blockchain world to allow users to trade, stake and earn.

Key Features of DexBoss

  • Intuitive Interface: Built with a user-friendly interface, Dexboss can be utilised by both the beginner as well as the veteran trader such that anybody can navigate the platform with ease.
     
  • Liquidity Pools: This reduces slippage and thus makes trades more and more cost-efficient for users.
     
  • Advanced Financial Instruments: Dexboss supports Margin trading, Staking and Liquidity farming and provides a complete set of tools for traders of any level.
     
  • Instant Order Execution: DexBoss executes orders almost instantaneously. Thus, users do not miss any trading opportunities.

$DEBO Token and Presale Overview

The native token of the DexBoss platform is $DEBO. $DEBO initial release is sold via 17 rounds of presale with a highest price of $0.0505 and a total supply of 1 billion tokens. One DexBoss coin can currently be purchased for approximately $0.000001100882. In addition to that, the buyback and burn mechanism of the platform makes the token’s supply shrink over time, increasing the token value for the long term.

Development Roadmap

  • Q1 2025: Pre-sale marketing and promotion
     
  • Q2 2025: Exchange listings and platform launch
     
  • Q3 2025: Introduction of margin trading features
     
  • Q4 2025: Expansion of fiat on-ramps and advanced trading tools

Why DexBoss is a Good Crypto to Invest In?

$DEBO’s interface has a buyback and burn system aimed at long-term value growth. In addition to this, it attracts a wide range of users, from retail investors to institutional traders, due to its wide range of supported assets and advanced trading tools. Fiat on ramps introduced allows easier access into the platform for mainstream users, therefore widening its reach in the global market.

Community, Utility, and Growth Potential

Community Governance and Engagement

Both of them are focused on community engagement with staking and governance mechanics. Through these features, token holders can also participate in decision-making processes, and thus, there is a strong feeling of community and ownership for both platforms.

Real-World Use Cases

AurealOne, as well as DexBoss, are not only speculative investments, but they actually offer real-world utility. The key use case for DLUME tokens as they stand is for AurealOne’s focus on gaming and the metaverse; DexBoss’ in practice DeFi tools for trading, staking and portfolio management, and more recently, liquidity farming on a completely decentralized rank as a top-level use case.

Conclusion: A Bright Future for AurealOne and DexBoss

AurealOne and DexBoss have strong tokenomics with innovative features and solid development roadmaps, which means they are looking to become one of the next crypto investments. While you’re looking to get involved with blockchain gaming or DeFi trading, both of the platforms are good reasons to get in early! Both projects may soon compete with crypto giants like Bitcoin.

Always with caution, any investment, even in the volatile world of cryptocurrencies should be treated with caution.

Disclaimer: The views and opinions presented in this article do not necessarily reflect the views of CoinCheckup. The content of this article should not be considered as investment advice. Always do your own research before deciding to buy, sell or transfer any crypto assets. Past returns do not always guarantee future profits.



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Best Rental Listing Sites for 2025



Why You Should Trust US

Investopedia’s team of editors and research analysts evaluated 13 rental listing sites based on 18 criteria that are critical to helping individuals and organizations manage an assortment of rental properties. We used this data to review each platform for marketing features, tenant screening capabilities, pricing, and other key items to provide unbiased, comprehensive reviews and ensure our readers make the right decision for their investing needs.

Our research and ratings are entirely independent, with no influence from advertising partnerships, and our full-time team of expert writers and editors aims to be unbiased to ensure you’re getting the best recommendations when looking for a rental listing platform. Investopedia’s staff editors, research analysts, and compliance managers work hard every business day to keep this article up to date and accurate by monitoring product changes on rental listing websites and making changes to our content as needed. Investopedia has been assisting readers in finding the best investing tools since its founding in 1999.


How We Chose the Best Rental Listing Sites

Investopedia is dedicated to providing investors with unbiased, comprehensive reviews and ratings of rental listing sites. Our ratings of the best rental listing platforms are based on our own proprietary research of 18 criteria in four categories that are crucial when choosing the right tools for managing rental listing sites. The following category weights were used to rate each course:

  • Amenities: 40.00%
  • Management Features: 33.00%
  • Pricing: 22.00%
  • Customer Support: 5.00%

We used this data to develop a comprehensive rubric for evaluating 13 rental listing platforms based on their pricing, features, reach, and other key criteria, to help our readers choose the right site to meet their needs. For each company, Investopedia’s team of researchers and full-time editorial staff analyzed data obtained directly from company websites and representatives. Our data collection and scoring process ran from April 15 to April 18, 2025.



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US Dollar caught between growth and policy moves – United States


Written by the Market Insights Team

Could the worst still be ahead?

Kevin Ford – FX & Macro Strategist

Mid-week has brought another noteworthy price movement in markets. The 10-year U.S. Treasury yield dropped from a recent high of 4.58% a few days ago to 4.16% yesterday. With market fears easing—reflected by the VIX Index falling below 25—U.S. stocks have held steady, maintaining last week’s gains. However, the dollar remains stagnant despite the broader market rally.

Chart US Treasuries and DXY

Growth concerns continue to weigh heavily on sentiment. WTI oil prices are approaching a potential break below $60 per barrel. This cautious outlook is also shaping the U.S. yield curve, which has steepened recently—a development that typically supports a weaker dollar, especially when worries about growth dominate and volatility eases.

Chart US Yield curve and reverse DXY

Could the worst still be ahead? The growing gap between weak soft data and hard data still brings key points. This disconnect could stem from lags in economic impacts, front-loaded consumption aimed at avoiding higher prices or disconnect between consumer sentiment and behavior. If the issue is simply a lag, the recent market rebound may not hold for long.

Chart Conference Board Consumer Confidence

What else might support the growing fears of a slowing U.S. economy? First, the Beige Book, which last week highlighted a significantly worsening outlook in several Districts as economic uncertainty, particularly around tariffs, increased. Second, ocean container bookings from China to the U.S. are down over 60%. The U.S. imports $600 billion worth of goods from China, with 95% arriving by sea and retailing for around $2 trillion. Prolonged tariffs at current levels could deal a major blow to the retail economy. However, quarterly earnings from U.S. companies provide additional insights. While uncertainty is now widely regarded as the new normal, some companies have noted that consumer health remains strong. This was echoed by the CEOs of Amex and Capital One in their recent earnings calls. Clearly, the impact of tariffs will vary across sectors.

Today, the US GDP, PCE, and April jobs report will shed light on whether hard data confirms the trends that soft data has been signaling in recent weeks.

No changes for the Loonie

Kevin Ford – FX & Macro Strategist

A relatively quiet end of the month for the the Loonie, which has been supported by sustained dollar weakness, with the DXY index dropping 4.5% this month to its lowest level since April 2022. The USD/CAD has gained 4% in April, finding solid support at 1.38 after five consecutive weeks of declines from 1.44. Remaining below its 200-day SMA of 1.4015, the Loonie has established a key support level at 1.378 and resistance at 1.39.

Current price action indicates a potential medium-term rebound, with the pair possibly revisiting the upper end of the 1.373–1.40 range. From a technical perspective, a death cross has formed, with the 200-day SMA crossing below the short-term 20-day SMA—a pattern that typically signals continued downside momentum.

While today brings the release of Canada’s advanced GDP figures for February, market attention will largely be driven by hard data out of the U.S. and any trade policy remarks from the U.S. administration, which could influence sentiment and price action.

Chart USD/CAD

Mexico and U.S. water agreement

Kevin Ford – FX & Macro Strategist

The U.S. and Mexico reached two critical agreements on Monday, easing tensions that threatened to complicate trade negotiations sparked by tariffs imposed by the U.S. administration.

First, Mexico committed to deliver additional water from the shared Rio Grande basin to Texas farmers. This move comes after U.S. concerns that Mexico was failing to meet its obligations under a decades-old water-sharing agreement. Second, the two nations reached a deal to tackle the New World screwworm pest in Mexico, averting the possibility of restrictions on U.S. livestock imports from its southern neighbor.

Mexico is showing its ability to work with the U.S. despite the confrontational tone of the U.S. administration. Unlike Canada, which has opted for retaliation in response to tariffs, Mexican President Sheinbaum has chosen a path of negotiation. This approach was evident in the recent agreements, including Mexico’s commitment to deliver more water to Texas farmers and a joint effort to tackle the New World screwworm pest. While details of the water-sharing deal remain scarce, both nations reaffirmed the value of the 1944 treaty, agreeing it continues to benefit both sides without needing renegotiation.

These agreements reflect Mexico’s focus on maintaining critical trade and agricultural ties, a reassuring signal for markets wary of escalating tensions. By addressing key issues through collaboration rather than conflict, Sheinbaum’s strategy highlights the importance of agriculture in strengthening U.S.-Mexico relations and navigating the challenges posed by tariffs.

Chart Mexico exports to US as %GDP

WTI Oil drops below $60 a barrel

Table: 7-day currency trends and trading ranges

Table rates

Key global risk events

Calendar: April 28- May 2

Table Key events

All times are in ET

Have a question? [email protected]

*The FX rates published are provided by Convera’s Market Insights team for research purposes only. The rates have a unique source and may not align to any live exchange rates quothave a unique source and may not align to any live exchange rates quoted on other sites. They are not an indication of actual buy/sell rates, or a financial offer.



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