CoinDesk 20 Performance Update: Chainlink (LINK) Gains 8.4%, Leading Index Higher
CoinDesk Indices presents its daily market update, highlighting the performance of leaders and laggards in the CoinDesk 20 Index.
The CoinDesk 20 is currently trading at 2967.37, up 4.0% (+114.4) since 4 p.m. ET on Monday.
All 20 assets are trading higher.
Leaders: LINK (+8.4%) and NEAR (+8.2%).Laggards: LTC (+1.6%) and BCH (+2.0%).
The CoinDesk 20 is a broad-based index traded on multiple platforms in several regions globally.
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CNET
22 minutes ago
- CNET
I Got 15GB of Free Gmail Storage Back Without Deleting a Thing
I've had my Gmail account since 2008, which means I've accumulated hundreds and thousands of unread emails. When I started to get the dreaded "Account storage is full" notification, I knew I needed to clean out my inbox. But I was overwhelmed by the thought of choosing between which messages to keep and which to delete. Then, just as I was ready to give up and start paying for extra Gmail storage, I had a better idea. I realized there was a way to get back 15GB of free storage while keeping all of my old emails, and it wouldn't cost me a penny. All I had to do was create a second Gmail account to store all of my current messages. There's no restriction on the number of free Google accounts you can own, which meant I could set one up as a dedicated archive account and then transfer all of my old emails to it. Transferring your Gmail messages is also a great strategy if you have a school or business Gmail account that you won't be able to access permanently. Most universities and businesses will deactivate your account once you are no longer a student or employee so if you want to view your old messages and files, you'll have to port them to a personal account before you lose access. Completing the whole process of transferring your Gmail messages to a new account doesn't take too long but it will depend on just how many messages you have. I'll walk you through the simple process of transferring your emails from your old account to a new one (including the important step of backing everything up first). For more about Gmail, learn about its new AI summaries or how to use emoji reactions. Tips and tricks for using Gmail Tips and tricks for using Gmail Click to unmute Video Player is loading. Play Video Pause Skip Backward Skip Forward Next playlist item Unmute Current Time 0:01 / Duration 0:15 Loaded : 100.00% 0:01 Stream Type LIVE Seek to live, currently behind live LIVE Remaining Time - 0:14 Share Fullscreen This is a modal window. Beginning of dialog window. Escape will cancel and close the window. Text Color White Black Red Green Blue Yellow Magenta Cyan Opacity Opaque Semi-Transparent Text Background Color Black White Red Green Blue Yellow Magenta Cyan Opacity Opaque Semi-Transparent Transparent Caption Area Background Color Black White Red Green Blue Yellow Magenta Cyan Opacity Transparent Semi-Transparent Opaque Font Size 50% 75% 100% 125% 150% 175% 200% 300% 400% Text Edge Style None Raised Depressed Uniform Drop shadow Font Family Proportional Sans-Serif Monospace Sans-Serif Proportional Serif Monospace Serif Casual Script Small Caps Reset Done Close Modal Dialog End of dialog window. Close Modal Dialog This is a modal window. This modal can be closed by pressing the Escape key or activating the close button. Close Modal Dialog This is a modal window. This modal can be closed by pressing the Escape key or activating the close button. Tips and tricks for using Gmail How much data can you store on Gmail? Fifteen gigabytes of free storage may sound like a lot when you make a Gmail account but it gets filled up quickly. For starters, the 15GB isn't just used for email: It also includes the files you've saved in your Google Drive and Google Photos. If you frequently send or receive messages that contain large files such as videos, or if you find yourself uploading a lot of pictures and videos to your Google Photos, then it won't be long before you'll see the "Account storage is full" notification. This means that you will no longer be able to send or receive emails on this account, so you'll want to do something ASAP. Tips and tricks for using Gmail Tips and tricks for using Gmail Click to unmute Google Introduces Gemini AI Upgrades to Gmail and Chat The quickest solution is to upgrade to a Google One account. Even if you choose the least expensive plan -- 100GB for $20 a year -- you'll still end up paying money to store old emails that you might not even need anymore. If you don't want to buy more storage, you can always delete your old emails. You can get back a surprising amount of storage space by putting large files in the trash. Gmail makes it easy for you to identify and delete files by size. Even so, that option might seem tedious; maybe you don't want to spend hours sifting through correspondence from a decade or more ago, deciding which memories to keep and which to get rid of forever. There's always the option to download large files to your desktop before you delete them from your Google account but at some point you'll probably run into the same issue with your local files and have to manage the storage space on your device. This brings us to our "nuclear option:" Transferring all your emails to a new Gmail account. How to transfer your Gmail messages to a new email account Before you start the Gmail transfer process, I recommend that you back up your emails. You can do this by downloading your emails either to your computer or an external hard drive. You can delete the backup after you finish transferring the emails to your new account if you like but it's always a good idea to have an extra copy stored locally. To back up your Gmail messages, go to Google Takeout. Using my test Gmail account that held about 75,000 messages, I got a download from Google Takeout in about 2 hours. Once you've saved a copy of your emails, you're ready to begin transferring them. Here are the steps you need to take: 1. Start by logging into your original Gmail account, clicking the "gear" icon in the top right and clicking See all settings. 2. Select the Forwarding POP/IMAP tab and then select the option Enable POP for all mail (POP stands for Post Office Protocol). 3. You'll have several options under When messages are accessed with POP. To automatically delete the emails from your original account after the transfer, select delete Gmail's copy. 4. Select Save Changes. Now it's time to create your new account and transfer all your messages there: If you haven't already done so, create your brand new, inbox-zero Gmail account -- we'll call this your archive account. 1. Login to your new archive account, click the gear icon at the top and select See all settings. 2. Select the Accounts and Import tab at the top, then select Add a mail account next to Check mail from other accounts. 3. In the pop-up window, enter the name of your original Gmail account. Select Next. 4. Select Import emails from my other account (POP3) and select Next again. 5. Enter the password of your original Gmail account. You might also be required to create a Google app password (see note below). 6. Select 995 under Port. 7. Check these 3 boxes: Always use a secure connection (SSL) when retrieving mail, Label incoming messages, Archive incoming messages (Skip the Inbox) 8. Select Add Account. You'll probably need to create a Google app password to transfer Gmail messages I tested this Gmail message transfer process twice and both times the standard password for the Gmail accounts did not work. After a bit of research, I determined that I'd need to create a temporary "app password" to sync the accounts. Google app passwords are 16-digit passcodes created for "less secure" apps or devices to access your Google account. They work exactly like your Google password. If your regular Google password doesn't work for syncing Gmail accounts, visit to create an app password. Simply create a name for the password -- I used "Transfer Bulk Email" -- and then hit the Create button. You'll get a pop-up window with your new 16-digit passcode. Once you've created the app password, return to step 6 of the instructions above and use that new app password instead of your usual password. Important: Google will only display your app password once. After you've created it, you can't ask to see it again so be sure to write it down or otherwise record it after it's been created. Google's own Help Center mentions that "app passwords aren't recommended and are unnecessary in most cases." So once you've completed transferring your Gmail messages, I recommend deleting your app password. What happens after my Gmail accounts are synced? Once you've successfully linked your new Gmail archive account to your original account, your emails should begin to transfer automatically. The process could take several hours or days, depending on how many emails you have. In my test account with about 75,000 messages, I found that it took Gmail about 2 full days to transfer all of them from the original account to the new archived mail account. Important: After transferring your Gmail messages to your archived mail account, your original Gmail account will place all those messages in the Trash folder, which you'll need to empty manually. Clearing out those 75,000 messages from the Trash took about an hour. Before transferring Gmail messages, my test account was using a little more than 12GB, or 80%, of Google's free 15GB. After transferring, the account was only using 0.66GB, of which 0.06GB was from Gmail. What Gmail messages won't be transferred? I found that Gmail transferred all of my messages except for two categories -- Drafts and Spam. You'll need to decide what to do with your Drafts manually. Spam messages are automatically deleted every 30 days so you can let Gmail handle that or go into the Spam folder yourself after transferring your mail and delete or forward those messages. Once all of your emails have been imported to your new account, enjoy the experience of inbox zero. You've given your original account a new lease on life. At this point, there are two last steps: You'll want to stop the automatic transfer process so that you can continue using your original account and you'll want to delete that app password if you had to make one. 1. Login to your new account, go into your Settings and select See all settings. 2. Select the Accounts and Import tab, and then select delete for your original account (under Check mail from other accounts.) 3. When prompted to Confirm delete mail account, select OK. If you had to create a Google app password and want to delete it now, go back to and click the trashcan icon next to the password you created. Congrats, you're finished. One important final note: Google will delete accounts that have been inactive for more than two years. So make sure you don't completely ignore all your old emails after transferring them. If you don't plan to regularly use your archive account to send email, you can still keep the account active by signing in at least once every two years.
Yahoo
24 minutes ago
- Yahoo
Can a Roth IRA be used for college?
Both a Roth IRA and a 529 Plan are valid ways to save for a college education. Each has unique benefits and limitations. Starting in 2024, unused funds in a 529 account may be converted into a Roth IRA if the investor so chooses, though there are pros and cons. Families should carefully assess which type of account will give them the most benefit. Some people decide to leverage both for college savings purposes. A Roth IRA can be used as a savings vehicle for college. You can withdraw your Roth contributions at any time without penalty to pay for any expense, though there may be associated taxes on any earnings. You can also use Roth earnings without penalty to cover qualified education expenses, such as tuition and fees. Before you use a Roth IRA for college, it's a good idea to be aware of the advantages and disadvantages so you can assess whether it makes sense for you and your family. Be aware that, in some cases, a 529 plan may be a better fit for your circumstances. While they're not specifically designed for college savings, Roth IRAs can be used to pay for a college education. Roth IRA accounts are funded with after-tax dollars and grow tax-free, and money can be withdrawn for educational purposes without a penalty — though you'll still have to pay income taxes. With that said, there are contribution limits for this type of account. In 2024, those who meet income requirements to contribute to a Roth IRA can contribute up to $7,000 across a Roth and a traditional IRA. The exception is individuals who are age 50 or older, who can contribute an additional $1,000 per year in what is known as a 'catch-up contribution.' Keep in mind that if your modified adjusted gross income (MAGI) exceeds $146,000 for heads of household or $230,000 for married couples, you will be subject to reduced annual contribution limits. These limits are assessed annually by the IRS and tend to fluctuate each year. Roth IRA withdrawal rules are considerably different from rules that apply to other retirement accounts. Because Roth IRA accounts are funded with after-tax dollars, account owners can withdraw their contributions (but not their earnings) before the standard retirement age of 59 ½ without paying any taxes or penalties. The Internal Revenue Service (IRS) typically charges a 10 percent penalty on distributions that include earnings before retirement age. However, it provides several important exceptions for Roth IRAs, including distributions to pay college tuition. Parents who withdraw earnings for college costs will have to pay income taxes on the amount but not an added fee. For parents who are making withdrawals after the age of 59 ½, no penalties apply, regardless of whether the funds are being used for college or not. However, the longer a parent is able to leave funds parked in investments, the more these savings can grow. While distributions taken from a Roth IRA account are tax-free, distributions are counted as untaxed income on the following year's Free Application for Federal Student Aid (FAFSA). In other words, using a Roth IRA for college can reduce eligibility for need-based aid. However, the impact depends on the amount of money withdrawn and which year of school the distribution is made. If you're on the fence about making a Roth IRA education withdrawal, consider the advantages and disadvantages that could apply to your situation. Using a Roth IRA for college can reduce reliance on student loans. Parents who want to help their children avoid student loan debt can use Roth IRA funds to lessen the burden of borrowing. Roth IRAs can be invested for long-term growth. Money invested in a Roth IRA can be invested in stocks, bonds, ETFs, index funds and more, giving you plenty of options to customize your investment. You get tax-free growth. Since Roth IRAs are funded with after-tax dollars, the money can grow tax-free over time. There is no penalty for education-related withdrawals. As long as the funds are used for education-related expenses, you won't be penalized for withdrawing money from a Roth IRA. Using a Roth IRA cuts into retirement savings. If you use too much of your Roth IRA funds to cover higher education expenses, you may fall behind on retirement goals. Roth IRA accounts can lose money. Stocks, bonds and other investments are also at risk of losing money. This means that you could have less saved than you started with, depending on your timeline. Financial aid could be impacted. Distributions from a Roth IRA will count as income on the FAFSA, which may reduce your child's need-based financial aid eligibility. You'll be subject to income and contribution limits. Unlike with other savings vehicles, you won't be able to contribute to a Roth IRA if you exceed the income threshold. You can also contribute only $7,000 or $8,000 a year, depending on your age. Learn more: Check out our FAFSA guide Before using a Roth IRA plan for a college education, you may also want to consider a 529 college savings plan. A 529 plan is a type of investment account specifically designed for a college education, which grows your contributions on a tax-deferred basis. There are some significant advantages that come with saving for college in a 529 plan over a Roth IRA, although some of the benefits depend on your situation. Detail Roth IRA 529 Plan Eligibility Restrictions apply past a certain income threshold No income restrictions Tax deductibility No Yes, in some states Tax-free withdrawals Yes, though earnings may be taxed as income Yes, tax-free and penalty-free Annual contribution limit $7,000; $8,000 if age 50 or older No federal limit; varies by state, but generally with higher caps than a Roth IRA Holding period Account must be open for 5 years before a withdrawal can be made None Impact on financial aid May impact need-based aid eligibility; withdrawals count as income May or may not impact need-based aid; withdrawals are not counted as income Penalty-free uses of invested funds Retirement savings, first-time home purchase, qualifying birth or adoption expenses, qualifying emergency expenses or disaster relief, education Tuition for K-12 education, post-secondary tuition, qualifying education-related expenses (such as textbooks, computers, room and board) Bankrate insight In general, a Roth IRA is best for savers who aren't sure how much their child will need for college. A 529 plan is better if you need to put away more money at once. Although the primary purpose of a Roth IRA is to help you save for retirement, you can also use it to save for college. But using Roth IRA funds to cover college expenses has a few drawbacks — for example, using them for education can cut into your retirement savings. Before you use a Roth for education, consider whether using a 529 instead makes more sense for your financial situation. Alternatively, you may decide that using both to save for college is best for your family. If you are unable to save enough to cover college between a 529 plan and a Roth IRA, investigate federal student loans before taking out a private student loan. Can you convert a Roth IRA to a 529? 'Yes, all or part of a Roth may be converted to a 529,' says William Bevins, a certified financial planner (CFP) and certified trust and fiduciary advisor (CTFA) based in Franklin, Tennessee. Converting a Roth IRA to a 529 requires you to withdraw money from your Roth and use it to fund a 529. But before you do this, you should understand some potential drawbacks. 'The primary reason for building a Roth is to reap the reward of tax-free retirement growth down the road,' Bevins says. 'Making early withdrawals can limit the advantage of having one.' Bevins recommends contacting a tax advisor for help determining if this move makes sense for you. Is there a limit to how often you can draw from a Roth IRA? No, there's no limit. You can make withdrawals from your Roth at any time. Withdrawing your Roth IRA contributions doesn't have any tax consequences; however, you might have to pay income taxes on withdrawn earnings.
Yahoo
24 minutes ago
- Yahoo
KBH Q2 Deep Dive: Lower Guidance and Market Headwinds Shape 2025 Outlook
Homebuilder KB Home (NYSE:KBH) reported revenue ahead of Wall Street's expectations in Q2 CY2025, but sales fell by 10.5% year on year to $1.53 billion. On the other hand, the company's full-year revenue guidance of $6.4 billion at the midpoint came in 2.4% below analysts' estimates. Its GAAP profit of $1.51 per share was 2.7% above analysts' consensus estimates. Is now the time to buy KBH? Find out in our full research report (it's free). Revenue: $1.53 billion vs analyst estimates of $1.51 billion (10.5% year-on-year decline, 1.6% beat) EPS (GAAP): $1.51 vs analyst estimates of $1.47 (2.7% beat) Adjusted EBITDA: $144.9 million vs analyst estimates of $164.2 million (9.5% margin, 11.8% miss) The company dropped its revenue guidance for the full year to $6.4 billion at the midpoint from $6.8 billion, a 5.9% decrease Operating Margin: 8.8%, down from 11.4% in the same quarter last year Backlog: $2.29 billion at quarter end, down 26.7% year on year Market Capitalization: $3.82 billion KB Home's second quarter results for 2025 were met with a negative market reaction, as several evolving market headwinds weighed on performance. Management pointed to subdued demand during the spring selling season, with CEO Jeffrey Mezger citing that "affordability challenges have persisted compounded by the variability in mortgage interest rates, which remain elevated as well as macroeconomic and geopolitical uncertainty." Operationally, the company highlighted faster build times and reduced direct costs as partial offsets, but acknowledged that consumer caution and higher resale inventory pressured new order volumes and operating margins. Looking ahead, KB Home's reduced full-year guidance reflects management's expectations for continued softness in homebuyer demand and ongoing margin pressures. The company aims to align its cost structure with lower volumes, while maintaining flexibility to adjust pricing and production pace by community. President Rob McGibney noted that "our strategy focuses on delivering the most compelling value and improving affordability with transparency," but also acknowledged the risk of continued demand weakness if mortgage rates and consumer confidence do not improve. Management signaled an intent to prioritize operational efficiency and shareholder returns as they navigate this uncertain environment. Management attributed second quarter performance to faster build times and cost controls, but noted that consumer confidence and affordability remain key challenges impacting order flow and revenue outlook. Build times improved: The company reduced average build times by 7 days quarter-over-quarter, returning to pre-pandemic levels. Management believes this operational gain allows for quicker inventory turnover and the ability to close more homes within the year, supporting delivery targets even as demand softens. Sales strategy adjustments: KB Home shifted away from offering incentives and instead focused on adjusting base pricing at the community level. While this approach drove strong net orders in March, management reported a decline in April and May as consumers grew more apprehensive about the economy and mortgage rates. Community opening delays: Delays in municipal approvals for new communities pushed back several planned openings, which management estimates cost 'a couple of hundred' net orders in the quarter. They are now emphasizing better coordination with local authorities to mitigate future disruptions. Cost reduction efforts: Direct costs per home started in the quarter were 3.2% lower year-over-year, driven by value engineering, supply chain negotiations, and simplified studio offerings. However, savings were partially offset by higher land costs and reduced pricing power. Land investment moderation: The company scaled back new land spending and canceled contracts for roughly 9,700 lots that no longer met return criteria. Management stated that this measured approach is intended to preserve flexibility and align future community growth with evolving market conditions. Management expects near-term performance to be shaped by cautious consumer sentiment, affordability pressures, and disciplined cost management strategies. Sustained affordability challenges: Elevated mortgage rates and higher resale inventory continue to weigh on buyer confidence, leading management to anticipate subdued order volumes and a slower absorption pace in the coming quarters. The company's pricing strategy remains flexible in response to local market dynamics. Margin and cost discipline: Operating margins are expected to be pressured by reduced pricing power, less favorable regional mix, and higher land costs. Management is targeting further reductions in build times and overhead expenses to help offset these headwinds and maintain profitability. Shareholder return focus: With lower land investment planned for the remainder of the year, KB Home intends to accelerate share repurchases, supported by a strong balance sheet and liquidity. Management views this as a means to enhance earnings per share and return on equity in a challenging market backdrop. In the quarters ahead, the StockStory team will monitor (1) the pace of net order recovery as consumer sentiment and mortgage rates evolve, (2) the company's ability to sustain further reductions in build times and direct costs, and (3) the effectiveness of its strategy to moderate land investment while maintaining a robust pipeline for future community growth. Execution on pricing flexibility and inventory management will also be important indicators of operational resilience. KB Home currently trades at $52.87, in line with $53.36 just before the earnings. In the wake of this quarter, is it a buy or sell? Find out in our full research report (it's free). Market indices reached historic highs following Donald Trump's presidential victory in November 2024, but the outlook for 2025 is clouded by new trade policies that could impact business confidence and growth. While this has caused many investors to adopt a "fearful" wait-and-see approach, we're leaning into our best ideas that can grow regardless of the political or macroeconomic climate. Take advantage of Mr. Market by checking out our Top 9 Market-Beating Stocks. This is a curated list of our High Quality stocks that have generated a market-beating return of 183% over the last five years (as of March 31st 2025). Stocks that made our list in 2020 include now familiar names such as Nvidia (+1,545% between March 2020 and March 2025) as well as under-the-radar businesses like the once-micro-cap company Tecnoglass (+1,754% five-year return). Find your next big winner with StockStory today. Error in retrieving data Sign in to access your portfolio Error in retrieving data Error in retrieving data Error in retrieving data Error in retrieving data
