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August 30.2026
3 Minutes Read

Comparing NOV vs SLB N.V.: Which Energy Stock Maximizes Benefits for Investors?

Maximize benefits Muskegon: 'The Better Bet?' text on Wall Street scene.

Understanding the Energy Sector: NOV vs SLB N.V.

As we look into the future of the energy sector, especially in light of growing interest in renewable resources, traditional oil and gas companies must navigate their own transformations. Investor interests are poised between NOV, a company specializing in drilling equipment, and SLB N.V., a leader in energy technology. How will these two firms adapt to the evolving demands of both investors and consumers?

The Case for NOV: Equipment and Technology

NOV positions itself as a vital supplier of equipment necessary for well construction and production. With a focus on reliability and technological advancements, NOV serves essential roles in regions that rely heavily on oil and gas. In FY 2025, NOV generated revenues close to $8.7 billion, a slight decrease from the previous year. However, with a debt-to-equity ratio of approximately 0.4, it using debt strategically to maintain operations. Despite a modest net margin of 1.7%, NOV did report free cash flow of nearly $864 million, suggesting a stable capital foundation.

The Case for SLB N.V.: Technology Leader with Global Penetration

On the other hand, SLB N.V. demonstrates robust capabilities with its focus on technology and integrated service solutions across more than 100 countries. In FY 2025, SLB's revenue reached approximately $35.7 billion, positioning it well in the market. With a healthier net margin of 9.4%, the company proved that it retains more of its revenues as profit even amid a slight drop in sales. The cash flow at nearly $4.8 billion for the same fiscal year suggests ample resources to support future projects or returns to shareholders.

Comparing Risks and Opportunities

Both companies exhibit noteworthy resilience in a volatile market, yet they face distinct risks impacting their operations. NOV's revenue is significantly influenced by the drilling activities, while about 66% of its revenue comes from outside the United States—introducing geopolitical vulnerabilities. SLB faces similar risks but with an even higher exposure—approximately 82% of its revenue is derived from abroad. The global supply chain reliance subjects both firms to fluctuations in material costs and shipping availability. This ongoing risk climate raises questions about the efficacy of their business strategies moving forward.

What Lies Ahead for Each Company?

Looking forward, it's crucial for both NOV and SLB to anticipate shifts in technology and energy demand. NAV's focus on drilling technology positions it uniquely as firms explore more cost-efficient and sustainable drilling practices. Meanwhile, SLB's emphasis on integrating digital solutions illustrates its long-term vision—a strategy that seems to align with emerging energy needs. Investors will need to consider whether these directions can translate into sustainable growth and profitability as the sector evolves.

The Bottom Line: Investment Decisions for the Retired and Fixed Income Audience

For retirees or those close to retirement, making a decision between NOV and SLB should factor in stability versus potential growth. With SLB potentially offering a more robust dividend and higher margins, its technology emphasis may better suit those looking for long-term reliability. Conversely, NOV's solid foundation in essential drilling equipment might appeal to those believing in necessary oil and gas operations as we shift towards sustainable resources.

Be sure to evaluate not only the financials but also consider market conditions and your own financial goals when investing. Consulting with a financial advisor can provide tailored insights. If you’re navigating your investments in Muskegon or beyond, understanding these dynamics is essential. Explore greater financial strategies for maximizing your benefits today.

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08.29.2026

The Looming Crisis of Retirement Benefits: Why Action Matters Now

Update Rethinking Federal Retirement Benefits: A Looming CrisisIn a landscape increasingly marked by economic inequality, the conversation around federal retirement benefits takes on new urgency. Recent discussions reveal that Social Security currently consumes nearly a quarter of the federal budget, raising alarm bells as experts warn of impending insolvency within the next decade. As Andrew G. Biggs of the American Enterprise Institute highlights, this crisis could have profound implications for seniors across America. Understanding the long-term effects of these financial trends is crucial, particularly as many seniors depend on Social Security not just as a supplement but as a primary source of income in their retirement years.Understanding the Disparities in Benefits DistributionOne of the key issues at play is that retirement benefits, particularly those under Social Security, disproportionately favor the wealthy, raising questions about fairness and sustainability. As benefits escalate alongside income, wealthier retirees tend to gain more from these federal programs, further widening the gap between socio-economic classes. For instance, while a higher-income earner may enjoy larger Social Security benefits due to a lifetime of high earnings, those on fixed or lower incomes find themselves receiving a fraction of what their wealthier counterparts can access. This generational inequality poses risks not only to individual economic stability but also to the overall health of the economy, potentially leaving the most vulnerable seniors at a disadvantage. As many seniors in Muskegon are on fixed incomes, the implications are particularly dire, calling for urgent attention to the policies governing benefits distribution.The Impact of Tax Breaks on Retirement SavingsMoreover, the government’s approach to tax incentives for retirement savings has resulted in hundreds of billions of dollars in unutilized funds annually, according to Biggs. These tax breaks primarily benefit high-income earners capable of maximizing their contributions, inadvertently excluding low-income seniors from the advantages of a sound retirement fund. These disparities raise a crucial question: how can we modify this approach to ensure that retirement incentives reflect the needs of a more financially diverse population? Recognizing the unique challenges faced by lower-income seniors is essential if we seek to create a more equitable benefits structure.Proposed Solutions: A Balanced ApproachExperts are calling for innovative solutions that would recalibrate federal retirement benefits to ensure equity. One strategy is increasing the progression of benefits based on income level, which could redirect resources from wealthier retirees to those who need them most. Additionally, implementing better educational programs surrounding retirement planning could encourage low-income individuals to utilize available benefits more effectively. Programs focused on improving literacy around Social Security and retirement savings can empower seniors, ensuring that every individual understands their options. Furthermore, ensuring that local organizations provide resources for navigating Medicare and Medicaid benefits is imperative in Muskegon, as many seniors may not be fully aware of what is available to them.A Closer Look At Local ResourcesFor seniors residing in Muskegon and similar communities, local resources play a vital role in bridging the gap left by federal policy shortcomings. Access to low-cost medical insurance and affordable healthcare services is critical, especially for those on fixed incomes. Community health clinics provide a plethora of resources, from free mental health services to reduced-cost health clinics, ensuring that vital care remains accessible. Such local organizations not only provide health services but also offer valuable information regarding navigating the complexities of federal programs. Collaboration between community health initiatives and local governments can enhance the availability of resources, ensuring that no senior feels isolated in seeking care.Future Prospects: What Lies Ahead?As we look to the future, it’s essential to foster discussions about the relevance of current policies in light of economic changes. Given the ongoing trends toward increasing healthcare costs and the potential for escalated inflation due to our aging population, the need for a more equitable distribution of retirement benefits is becoming crystal clear. In Muskegon, where many residents rely heavily on Social Security, if solutions aren’t implemented promptly, we risk placing our most vulnerable populations — particularly seniors — in precarious financial situations. The current trajectory signals a pressing need for reforms that prioritize equitable access to retirement benefits, ensuring that all seniors can retire with dignity.Conclusion: Take Action for a Fairer TomorrowIt's crucial that seniors and their families stay informed about federal and local resources available to them. Engaging with local community health initiatives and participating in workshops about healthcare options can empower individuals. By staying proactive, we can help shape a future where retirement benefits reflect the true framework of American values, not merely perpetuating wealth disparity. The message is clear: awareness and action are key. Explore the local resources in Muskegon to ensure you or your loved ones are maximizing the benefits available, including seeking free healthcare options, understanding eligibility for low-cost insurance, and participating in community programs designed to educate and support seniors. Together, we can advocate for policies that uplift all seniors, building a robust safety net that truly serves those in need.

08.29.2026

New Jersey's PAS-1 Application: Essential for Senior Property Tax Relief

Update New Jersey's Property Tax Relief Programs Simplified Life can be expensive, especially for seniors navigating their golden years. In New Jersey, the government understands the financial burden that property taxes can place on homeowners and renters alike. That's why a new streamlined application, the PAS-1, has been introduced, offering relief through three key programs: the ANCHOR program, Senior Freeze, and Stay NJ. This development is particularly beneficial for seniors over the age of 65 in Muskegon, who may be seeking assistance with property taxes while managing their healthcare costs. What is the PAS-1 Application? The PAS-1 application consolidates the previously separate applications for ANCHOR, Senior Freeze, and Stay NJ into one easy-to-use form. By simplifying the process, New Jersey aims to ensure that more residents can access the relief programs they qualify for. Regardless of whether a resident qualifies for all three programs, submitting a PAS-1 application allows for automatic enrollment in the program that best suits their financial situation. The deadline to apply is November 2, so acting quickly is essential. The state encourages all eligible residents to take advantage of this opportunity and ensure they are not missing out on possible financial assistance. Understanding the ANCHOR Program The Affordable New Jersey Communities for Homeowners and Renters (ANCHOR) program provides property tax relief to residents who either own or rent homes in the state. To qualify for this program, homeowners must have an income of $250,000 or less, while renters must have an income not exceeding $150,000. The benefits are based on residency and financial requirements, with payments expected to begin in September. This financial cushion can significantly ease the annual burden of housing taxes for many seniors in Muskegon. By utilizing the ANCHOR program, seniors can maintain their quality of life even when facing rising living costs. The Senior Freeze: Protecting Our Seniors The Senior Freeze program offers a safety net for eligible seniors and disabled individuals by reimbursing them for increases in property tax bills or mobile home park site fees. To qualify, applicants must be at least 65 years old by the end of 2025 or receive Social Security disability benefits. With a total annual income cap of $168,268 in 2024 and $172,475 in 2025, this program has already begun rolling out benefits as of July 15, providing much-needed relief to vulnerable populations. This program allows seniors to stabilize their housing expenses, giving them peace of mind about their financial situation. Exploring Stay NJ: A New Avenue for Relief The Stay NJ program is a recent addition aimed at extending property tax relief through quarterly reimbursements. Senior citizens can receive reimbursement for up to 50% of their tax bills, capped at a generous $13,000, with a specific benefit cap set at $6,500 for 2025. To qualify, individuals must reside in their New Jersey property for all of 2025 and maintain an income below $500,000. Payments are anticipated to start in February of the following year, creating a timely opportunity for those who apply now. Stay NJ is particularly advantageous as it helps seniors manage their cash flow more effectively, allowing them to allocate resources towards healthcare and other living expenses. How to Navigate the Application Process Applying for the PAS-1 form can be done online or via traditional mail through a paper application format. Given the diverse needs of the senior community, guidance on filling out the form correctly is crucial. Local health clinics and services specific to Muskegon can offer support, ensuring applicants understand the requirements and maximize their eligibility for either tax relief or additional healthcare assistance available in the region. It’s advisable for seniors to reach out to local organizations that specialize in elder services for help with the application process. This way, they can ensure that they are fully informed and prepared when applying for these programs. Addressing Broader Health Concerns for Seniors While navigating property tax relief is a significant concern, it intersects with various healthcare issues. Seniors in Muskegon should also consider available programs for low-cost medical insurance, free healthcare clinics, and mental health services. Accessing affordable healthcare has become increasingly important for seniors facing rising costs in other areas, such as housing. Understanding how these interconnected systems work will empower seniors to make informed decisions about their health and finances. The burden of property taxes coupled with healthcare expenses can be overwhelming; thus, leveraging available programs can lead to a more sustainable and manageable financial future. Community Engagement: Sharing Information It's essential for seniors and their families to talk about these resources within their communities. Word-of-mouth can often be the best way to disseminate information. Community centers, local churches, and senior advocacy groups can be excellent conduits for sharing details about these programs. By working together, residents can look out for one another, ensuring that everyone who is eligible can receive the assistance they need. Creating a support network can alleviate some of the confusion around the application processes and eligibility requirements, making it much easier for seniors to access critical services. Conclusion: A Call for Action The combined relief offered by the PAS-1 application can drastically change the financial landscape for many seniors in New Jersey by making property taxes more manageable. As the deadline approaches, it is imperative that seniors in Muskegon act swiftly to apply for these benefits. This not only ensures possible financial relief via property tax assistance but may also open doors to health services and insurance options tailored to their unique needs. Don't wait – apply today and take the first step toward financial stability in your later years. Pursuing these benefits is not just a matter of saving money; it’s also about securing peace of mind for a comfortable and dignified life.

08.29.2026

What Does Medicare's $700 Drug Deductible Mean for Seniors?

Update Understanding Medicare's Increasing Drug Deductible for 2027 Medicare's evolving landscape can often be challenging to navigate, especially with significant changes on the horizon. As of 2027, the drug deductible will rise to $700, reflecting an increase of $85. This increase means that seniors enrolled in Medicare Part D will need to cover the full deductible amount before their plan starts to contribute to prescription drug costs. For many, this signals a real concern for healthcare affordability amidst rising living expenses. In many areas, including Gurnee and the greater Muskegon region, these changes can feel particularly impactful as prices for essential goods and services also continue to surge. The Impact on Seniors in Muskegon For residents of Muskegon, understanding this change is vital. Medicare coverage often encompasses various options, such as Medicare Advantage plans and Medigap policies, which can cushion the financial impact of increased out-of-pocket costs. The rising deductible could prompt many seniors to reconsider their choices and potentially seek help with Medicare applications to ensure they select the best plan for their needs. Local community centers often provide information sessions that can aid in this decision-making. Additionally, some organizations offer support services that keep seniors informed about their rights and options under Medicare. Planning for Financial Security: The Role of Medicare Specialists With rising costs, consulting licensed Medicare specialists in Muskegon can be highly beneficial. These professionals can provide individualized support, helping residents compare Medicare plans and find affordable senior insurance tailored to their unique situations. They act as invaluable resources, guiding seniors through the complexities of Medicare enrollment, including deadlines and eligibility requirements. Most importantly, they navigate the nuances of different plans, ensuring seniors are informed about their choices in prescription coverage, preventative services, and additional benefits which may be available to them. Future Predictions: The Direction of Medicare As healthcare policies evolve, it’s likely we’ll see further changes to Medicare in the coming years. Understanding trends, such as the increase in drug deductibles and how they affect overall healthcare costs, is crucial. It is essential for seniors to be proactive about their Medicare options and remain informed about the developments that could directly impact their financial health. As more information comes to light, the implications of these changes extend beyond individual seniors, affecting families who often support their elderly relatives. This interconnectedness underlines the importance of community resources as well—where everyone plays a part in ensuring our seniors remain healthy and financially stable. Actionable Insights: What Seniors Can Do Being aware of the increases in out-of-pocket costs allows seniors to better prepare financially. Here are some steps to take: Review current Medicare plans to assess coverage and costs effectively. Consider how much you are currently spending on prescriptions and whether the new deductible will alter that significantly. Engage with local Medicare specialists who can provide personalized guidance and resources. Many of these specialists offer free consultations to help seniors navigate the often overwhelming Medicare system. Consider enrolling in supplemental Medicare insurance options to bridge any gaps in coverage. Utilizing programs like the Extra Help program for low-income seniors might be worthwhile to explore. By taking these proactive steps, seniors can mitigate the financial impact of rising deductibles, thus ensuring they can access necessary medications when they need them most. The Human Experience: Stories of Resilience Many seniors in Muskegon have shared personal stories about the challenges faced due to healthcare costs. These narratives reflect a community of resilience and adaptation; each experience underscores the importance of planning for aging and healthcare needs effectively. Stories of how individuals have navigated their Medicare journey illustrate the power of community and information-sharing in times of uncertainty. They remind us that each senior has unique needs that deserve personalized solutions and that seeking help is a sign of strength, not weakness. Call for Action: Connect with Local Medicare Experts As we approach the increasing drug deductible for 2027, it's time to make informed choices about Medicare. If you're looking for guidance, don't hesitate to reach out. Call your local specialist at 231-571-6100, TerriJo Parker, to get answers to your Medicare questions and ensure you’re making the best decisions for your health and finances. Engaging with experts today can lead to better preparedness tomorrow, putting you on a healthier, more sustainable path amidst upcoming changes in your Medicare coverage.

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Norton Ave., Norton Shores 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"}

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