Podcasts about economic reports

After the regional weather forecast KVMR's Paul Emery sits down with retired Federal Reserve economist Gary Zimmerman to talk trade wars and the risk of recession on this week's Economic Report. KVMR News correspondent Sherrie Cunningham covers the annual Grass Valley Banner Grange Seed Swap event. In the latest Al Explores, KVMR Science correspondent Al Stahler brings us some BIG questions. He taps Stanford University Psychologist Dr. Justin Gardner for answers. We end with an essay by Nevada City poet Molly Fisk in her ongoing Observations from a Working Poet series.

In this episode of Uncommon Sense with Ginny Robinson, I'm giving my take (to the best of my ability—because I'm not a tariff expert and neither are most of the people chiming in right now) on Trump's gutsy new tariff move. It's the one that's got half the country cheering and the other half clutching their pearls. While the media yells “economic suicide,” I'm here to suggest that this strategy might actually work—but not overnight. We'll talk about the possibility of long-term gain, the reality of short-term discomfort, and the cultural obsession with instant results when what's often required is patience. I will also go over our collective short attention spans and why longer attention spans are needed for understanding complex issues like this. Every answer won't fit in a 15 second soundbite. At the end of the day, we'll have to pray, wait, and see. Some of the smartest plays take time to unfold.—https://noblegoldinvestments.com/learn/gold-and-silver-guide/?utm_campaign=21243613394&utm_source=g&utm_medium=cpc&utm_content=&utm_term=noble%20gold&seg_aprod=&ad_id=698073353663&oid=2&affid=1&utm_source=google&affiliate_source=googleads_brand_bmbc&utm_term=noble%20gold&gad_source=1&gbraid=0AAAAADQ2DzJSJ_mi5cJo8dO2FNUs7uNy-&gclid=CjwKCAjwktO_BhBrEiwAV70jXtjSCyioSM2Hz1McTAlR3f8t3KCDDN3-XBWLaIzwJmiEGe0ztxIk5RoCnM0QAvD_BwE

Articles we discuss in this episode:https://www.thespiritsbusiness.com/2025/02/compass-box-ceo-steps-down/https://www.kob.com/new-mexico/state-lawmakers-introduce-bill-to-increase-alcohol-and-tobacco-taxes/https://www.breakingbourbon.com/bourbon-whiskey-press-releases/jack-daniels-introduces-14-year-old-tennessee-whiskey-for-the-first-time-in-over-a-century  Check us out on Instagram @curiosity_publichttps://www.instagram.com/curiosity_public/ Watch us on YouTubehttps://www.youtube.com/channel/UCcplnOSfcnOh5paIL2LdaAw We have t-shirts! Grab them here:https://curiosity-public.myspreadshop.com/allhttps://www.redbubble.com/people/CuriosityPublic/shop Join our Patreon:https://www.patreon.com/CuriosityPublic Stay curious! All claims made here about alcohol, whether in this podcast, in this description, or on our Youtube channel, are solely our opinions and intended only for those of legal drinking age. All links provided here should only be accessed by those of legal drinking age.

On this week's Friday Evening News Magazine we've got weather and basketball. Okay, it's not love and basketball but it's still helpful to know. KVMR's Paul Emery and Retired Fed Economist Gary Zimmerman talk Trade wars, consumer confidence, and how to know when the economy is in a recession on tonight's Economic Report. KVMR Science Correspondent Al Stahler speaks with a medical radiologist about cell phone towers in Nevada County.  And Molly Fisk brings us her musings on slang in her ongoing Observations from a Working Poet series.

Live at 2pm PT, today we're diving into some surprisingly strong U.S. economic data that gave markets a boost. With GDP growth beating expectations and Pending Home Sales climbing, is this a turning point for market sentiment? On this episode of "Thursday's Great Data!", we'll break it all down, plus cover tariff updates, market volatility, and a deep dive into a classic technical analysis pattern.

Articles we discuss in this episode:https://www.fox13news.com/news/popeyes-don-julio-game-day-menuhttps://www.reuters.com/world/americas/mexican-tequila-makers-fret-us-tariffs-threaten-their-business-2025-02-17/https://www.vibe.com/news/business/megan-thee-stallion-chicas-divertidas-tequila-1235045507/ Check us out on Instagram @curiosity_publichttps://www.instagram.com/curiosity_public/ Watch us on YouTubehttps://www.youtube.com/channel/UCcplnOSfcnOh5paIL2LdaAw We have t-shirts! Grab them here:https://curiosity-public.myspreadshop.com/allhttps://www.redbubble.com/people/CuriosityPublic/shop Join our Patreon:https://www.patreon.com/CuriosityPublic Stay curious! All claims made here about alcohol, whether in this podcast, in this description, or on our Youtube channel, are solely our opinions and intended only for those of legal drinking age. All links provided here should only be accessed by those of legal drinking age.

Uncertainty. That's the word-of-the-moment with tariffs, market swings and lots of economic volatility. It's also showing up in the Federal Reserve's latest Beige Book, featuring anecdotes across the U.S. economy. On our latest edition of the Beigies, what can a farmer from the Mississippi Delta tell us about uncertainty? Related episodes: How USAID cuts hurt farmers (Apple / Spotify) Why Trump's potential tariffs are making business owners anxious (Apple / Spotify) For sponsor-free episodes of The Indicator from Planet Money, subscribe to Planet Money+ via Apple Podcasts or at plus.npr.org. Fact-checking by Tyler Jones. Music by Drop Electric. Find us: TikTok, Instagram, Facebook, Newsletter. Learn more about sponsor message choices: podcastchoices.com/adchoicesNPR Privacy Policy

Welcome to this enlightening episode of "Impact Theory with Tom Bilyeu," where we welcome back the insightful Robert Breedlove. Renowned for his deep knowledge of economics and cryptocurrencies, Robert joins Tom to dissect the perplexing state of the current economy. Why, despite glowing economic reports, do many feel the pinch of a recession? Robert Breedlove provides his unfiltered take. This episode covers a fascinating range of topics such as the manipulation of economic indicators, the illusory stability created by central banks, and the ways in which government policies may shape public perception. Sit back as Robert and Tom explore the complex narratives driving modern economics and challenge your understanding of financial systems. SHOWNOTES 00:00 Introduction to Robert Breedlove's Return 00:05 The Contradiction of Economic Reports 00:16 Understanding Manipulated Metrics 00:35 The Government's Narrative on Inflation 00:50 The Effect of Currency Control on Public Perception 01:16 Historical Lessons from Soviet Economics FOLLOW ROBERT BREEDLOVE: Twitter: https://twitter.com/Breedlove22 Website: https://www.whatismoneypodcast.com CHECK OUT OUR AMAZING SPONSORS: Range Rover: Range Rover: Explore the Range Rover Sport at  https://landroverUSA.com Audible: Sign up for a free 30 day trial at https://audible.com/IMPACTTHEORY  Vital Proteins: Get 20% off by going to https://www.vitalproteins.com and entering promo code IMPACT at check out. iTrust Capital: Use code IMPACT when you sign up and fund your account to get a $100 bonus at https://www.itrustcapital.com/tombilyeu  Tax Network: Stop looking over your shoulder and put your IRS troubles behind you. Call 1-800-958-1000 or visit https://tnusa.com/impact  Shopify: Sign up for your one-dollar-per-month trial period at https://shopify.com/impact  Found Banking: Try Found for FREE at https://FOUND.COM/IMPACT  American Alternative Assets: If you're ready to explore gold as part of your investment strategy, call 1-888-615-8047 or go to https://TomGetsGold.com  ITU: Ready to breakthrough your biggest business bottleneck? Apply to work with me 1:1 - https://impacttheory.co/SCALE  ********************************************************************** If you want my help... STARTING a business: join me here at ZERO TO FOUNDER SCALING a business: see if you qualify here. Get my battle-tested strategies and insights delivered weekly to your inbox: sign up here. ********************************************************************** If you're serious about leveling up your life, I urge you to check out my new podcast, Tom Bilyeu's Mindset Playbook —a goldmine of my most impactful episodes on mindset, business, and health. Trust me, your future self will thank you. ********************************************************************** Join me live on my Twitch stream. I'm live daily from 6:30 to 8:30 am PT at www.twitch.tv/tombilyeu ********************************************************************** LISTEN TO IMPACT THEORY AD FREE + BONUS EPISODES on APPLE PODCASTS: apple.co/impacttheory ********************************************************************** FOLLOW TOM: Instagram: https://www.instagram.com/tombilyeu/ Tik Tok: https://www.tiktok.com/@tombilyeu?lang=en Twitter: https://twitter.com/tombilyeu YouTube: https://www.youtube.com/@TomBilyeu Learn more about your ad choices. Visit megaphone.fm/adchoices

In February's VermontBiz we bring you a profile of Corinne Prevot, the young owner, founder and designer of the proudly made-in-Vermont outdoors accessories brand Skida. Learn how this Pennsylvania native's entrepreneurial spirit and passion for the outdoors turned a high school hobby into a thriving Vermont business. VermontBiz's Economic Report focuses on Lamoille county: preparing for growth, infrastructure and the future. Can careful planning birth a region that serves full-time residents,second-home owners and tourists? In a tale of transformation: Emily and Justin Rose converted the former IGA in North Ferrisburgh into The Piano Gallery. The sales floor — once the grocery department — showcases new and refurbished pianos, while the old stockroom is now a workshop for in-house repairs. Finally — VermontBiz is pleased to honor outstanding business of the year: Union Mutual Insurance! All this and more is in the February Issue of VermontBiz, Serious Business...Serious News! For a subscription, call 802-863-8038 or go to vermontbiz.com/subscribe.

Dr. Timothy Nash from Northwood University shares his analysis of this latest gross domestic product report and state of the U.S. economySee omnystudio.com/listener for privacy information.

As President Trump's first week in office comes to a close, Paul Emery and retired Fed Economist Gary Zimmerman sit down to discuss the economy he's inherited in the latest edition of the Economic Report. KVMR News Director Cláudio Mendonça sits down with Tibetan Monks from the Gaden Shartse Monastery in South India who are back in town for their yearly visit. Al Stahler speaks with local historian Hank Meals to discuss the development of our foothill community in the years following the Gold Rush, including the sordid details of legendary Nevada County resident. We close with an essay by Nevada City poet Molly Fisk. With the recent Grass Valley visit of John McCutcheon, Molly reflects on past generations of folk musicians.

NASA contributed a dramatic seventy-five-point-six-billion-dollar boost to the U.S. economy last year.

Official election results are in! We'll take a look at what that means for Grass Valley's city council before your weekend weather forecast.Paul Emery is joined by retired Fed Economist Gary Zimmerman to decipher the labor market and interest rates in this week's Economic Report before KVMR science correspondent Al Stahler speaks to chemist Garret Miyake about PFAS. Poet Molly Fisk gets us in the holiday mood with an essay from her Observations from a Working Poet series.

Dr. Timothy Nash shared his analysis of this week's Business Optimism and Consumer Price Index reports.See omnystudio.com/listener for privacy information.

After a look at your weekend weather forecast we jump into the world of inflation with Paul Emery and retired Fed economist Gary Zimmerman on this week's Economic Report. Al Stahler brings us a lesson in Greek mythology, applying it to the modern world of ground-breaking scientific experimentation. He's joined by University of Pennsylvania's Daniel Baker. To close it all out, we have an essay by Nevada City poet Molly Fisk. Molly lets us in on some Thanksgiving plans that would turn even the most content among us green.

Through job creation, scientific progress, and tax revenues, NASA is driving economic growth on Earth, in the skies, and in the stars.

Your first News Magazine of this November begins with news from PG&E and the Nevada County's Elections office.Paul Emery and Gary Zimmerman discuss what October's Jobs Report means for the U.S. in the latest Economic Report. KVMR's Al Stahler looks at the former John Woolman School in Nevada City -- it's been just over a month since escrow closed on the property, transferring the title from the Quakers to the Nisenan tribe.  We close with an essay by Nevada City poet Molly Fisk in her ongoing Observations from a Working Poet series.

In this week's jam-packed Market Minutes recap, hear from our team of experts as they share their perspectives on the latest economic reports. Our panel shares detailed insights into the bond and equities markets' reactions to the latest reports and looks ahead to next week's US presidential election and FOMC meeting. This week's episode also features special guest, Joe Velkos, who overviews the proposed tax policies of both presidential candidates.Speakers:Brian Pietrangelo, Managing Director of Investment StrategyRajeev Sharma, Head of Fixed IncomeStephen Hoedt, Head of EquitiesJoe Velkos, National Director of Tax Policy03:53 – Bureau of Labor Statistics Job Openings Report and Employment Cost Index Report update 04:57 – Dept. of Labor weekly initial unemployment claims update05:36 – Advanced estimate for 3rd Quarter Real GDP for the US Economy06:21 – Update on PCE, the Fed's preferred measure of inflation 07:23 – The latest employment numbers09:06 – Comments on the bond market reaction to the latest economic updates and anticipation of the Fed's rate decision next week.14:53 – Remarks on a busy week in the equities market and looking ahead to the conclusion of the election season 18:45 – Perspectives on how legislative tax policy works overall as well as an overview on the proposed tax policies of both Harris and Trump

In today's episode, Tyler breaks down today's action-packed market day, including the latest earnings reports, economic data, and the market's reaction to this data. Despite a midday rally, the markets finished closer to the lows of the day, influenced by significant losses from AMD and SMCI. We'll also discuss shifts in sentiment indexes like the Fear and Greed Index and AAII, and how we can use current pullbacks as buying opportunities. Tune into today's podcast to learn more

In this October episode of The Mortgage Show, Randy and Chris dive into the latest on interest rates, reflecting on recent market changes and how it impacts refinancing options. They also discuss fall sports, winter prep, and the state of mortgage-backed securities. With candid insights, they cover everything from escrow holdbacks to FHA loans, plus a unique non-QM product for self-employed borrowers. Tune in for a laid-back, informative discussion about the current mortgage market and what's on the horizon! 00:00 Introduction and Catching Up 00:56 Current State of Interest Rates 01:47 Economic Reports and Market Reactions 05:44 Refinancing Decisions and Advice 09:06 Understanding Mortgage Payment Changes 12:02 Monitoring Your Mortgage Statements 13:01 Challenges with FHA Loans 13:58 Understanding Escrow Holdbacks 16:46 Appraisal Concerns and FHA 18:49 Non-QM Loan Scenarios 21:40 Conclusion and Final Thoughts Randy Forcier Loan Officer I NMLS 322749 CMG Home Loans 9 Beach St, 2nd Floor Saco, ME 04072 207-590-0337 l rforcier@cmghomeloans.com Chris Bedard Loan Officer l NMLS 323290 CMG Home Loans 9 Beach St, 2nd Floor Saco, ME 04072 207-229-4731 l cbedard@cmghomeloans.com Contact us with any loan questions, comments or ideas for future episodes. Music from #Uppbeat (free for Creators!): https://uppbeat.io/t/paulo-kalazzi/heros-timeLicense code: F5VL7ZZ7KQITOFBH #MortgageShow #InterestRates #EscrowHoldback #FHALoans #NonQM #RealEstate #MortgageTips #HomeBuying #Refinance #LoanOptions #MortgageRates #HomeLoans #SelfEmployedBorrowers #CMGHomeLoans #MortgageMarket #HousingMarket #MortgageAdvice #RealEstateTips #MortgageLender #MortgagePlanning --- Support this podcast: https://podcasters.spotify.com/pod/show/therandyforcierpodcast/support

AP correspondent Seth Sutel has AP Markets in a Minute, with a mixed start to the trading day. ((self intro, watch for dating))

After local news and your weekend weather report the KVMR Friday News Magazine jumps into the World of Finance with the Economic Report.  KVMR science correspondent Al Stahler Explores the world of creepy crawlers below our feet in the soil. He speaks to an ecologist studying a way to track and count the invertebrates moving through the earth. Tom Durkin, the creative director of the Sierra Roots/No Place to Go Project brings us a commentary aimed at a new Nevada County tiny homes ordinance. We close with an essay by Nevada City poet Molly Fisk.

In this episode of "Nurturing Financial Freedom," we discuss the surprising market volatility that occurred in early August 2024 and explore what investors should take away from these events. But first, we actually met in person last month - for the first time after working together for over five years!The market's volatility in August was triggered primarily by two factors: weaker-than-expected economic reports and high market valuations. The Institute for Supply Management's report on business indicated declining confidence in the manufacturing sector, which, alongside a disappointing non-farm payroll report, caused investors to worry that the economy might be slowing too quickly in its fight against inflation. This led to a significant market pullback, particularly in the Dow Jones Industrial Average, which dropped 2,000 points over a few days.  But even in the time between writing this episode and recording it, market volatility has calmed.Alex and Ed emphasize that while these reports sparked concern, the broader economic context remains positive. They remind listeners that market fluctuations are normal, and short-term downturns don't necessarily signal long-term issues. The key takeaway is the importance of maintaining a balanced and diversified portfolio to withstand such volatility. They also highlight the Federal Reserve's potential role in stabilizing the economy, noting that if a significant slowdown occurs, the Fed has the ability to cut interest rates to stimulate growth.  It's possible we see this after their next meeting in September.Predicting short-term market movements is extremely difficult, akin to forecasting the weather. Instead, the focus should be on long-term strategies and maintaining perspective during turbulent times. Ed advises against panicking during market volatility, stressing the importance of staying the course with a well-diversified investment plan. You can always email Alex and Ed at info@birchrunfinancial.com or give them a call at 484-395-2190.Or visit them on the web at https://www.birchrunfinancial.com/Alex and Ed's Book: Mastering The Money Mind: https://www.amazon.com/Mastering-Money-Mind-Thinking-Personal/dp/1544530536 Any opinions are those of Ed Lambert and Alex Cabot and not necessarily those of RJFS or Raymond James. The information contained in this report does not purport to be a complete description of the securities, markets, or developments referred to in this material. There is no assurance any of the trends mentioned will continue or forecasts will occur. The information has been obtained from sources considered to be reliable, but Raymond James does not guarantee that the foregoing material is accurate or complete. Any information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. The examples throughout this material are for illustrative purposes only. Raymond James does not provide tax or legal services. Please discuss these matters with the appropriate professional. Diversification and asset allocation do not ensure a profit or protect against a loss. Past performance is not indicative of future returns. CDs are insured by the FDIC and offer a fixed rate of return, whereas the return and principal value of investment securities fluctuate with changes in market conditions. The S&P 500 is an unmanaged index of 500 widely held stocks that is generally considered representative of the U.S. Stock Market. Keep in mind that individuals cannot invest directly in any index, and index performance does not include transaction costs or other fees, which will affect actual investment performance. Individual investor's results will vary. This information is not intended as a solicitation or an offer to buy or sell any security referred to herein. Future investment performance cannot be guaranteed, investment yields will fluctuate with market conditions. International investing involves special risks, including currency fluctuations, differing financial accounting standards, and possible political and economic volatility. There is an inverse relationship between interest rate movements and bond prices. Generally, when interest rates rise, bond prices fall and when interest rates fall, bond prices generally rise. Investing in small cap stocks generally involves greater risks, and therefore, may not be appropriate for every investor. The prices of small company stocks may be subject to more volatility than those of large company stocks. Securities offered through Raymond James Financial Services, Inc. Member FINRA/SIPC. Investment advisory services offered through Raymond James Financial Services Advisors, Inc. Birch Run Financial is not a registered broker/dealer and is independent of Raymond James Financial Services. Birch Run Financial is located at 595 E Swedesford Rd, Ste 360, Wayne PA 19087 and can be reached at 484-395-2190. Any rating is not intended to be an endorsement, or any way indicative of the advisors' abilities to provide investment advice or management. This podcast is intended for informational purposes only.Links are being provided for information purposes only. Raymond James is not affiliated with and does not endorse, authorize, or sponsor any of the listed websites or their respective sponsors.Raymond James is not responsible for the content of any website or the collection or use of information regarding any website's users or members.

Economic Reports affected by Hurricanes Beryl & Debbie; market sell off continues. Inflationary data is still there; unwinding of Yen Carry Trade continues w/volatility. Lance recites a brief history of market crashes, causes & effects. The market correction actually started in July at peak; trapped-longs sold into market rally as exuberance reverses. Earnings Season has delivered a mixed back; 92% of companies have reported, opening buy back windows for business. Consumer sentiment feedback loop affects Fed decision-making; what the Yen Carry Trade does for market moods. The differential in interest rates between the Yen & the Dollar is shrinking. The Fed is reactive...and trapped. Lance & Michael discuss the Sahm Rule recession indicator: This time may be different. Recessions are back-dated by as much as 12-months. Is the economy weakening or normalizing? Indicators are often at odds with one another. YouTube Chat Q&A: Estate Tax Exemptions & Bonds; Is it too soon to short TLT? Eli Lilly & Yen Carry Trade: Where did all the "fast" money go? Liquidity Indicators in conflict: How to accurately measure? Fear dries-up liquidity. SEG-1: A Brief History of Market Crashes; the Correction Started in July SEG-2: The Feedback Effect of Consumer Sentiment SEG-3: The Sahm Rule: Maybe Not This Time SEG-4: YouTube Chat Q&A: Shorting TLT, Liquidity Indicators Hosted by RIA Advisors Chief Investment Strategist Lance Roberts, CIO, w Portfolio Manager Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer ------- Watch today's show video here: https://www.youtube.com/watch?v=HHVg-HJq5Gs&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=5s ------- Articles mentioned in this report: "Confidence Is The Underappreciated Economic Engine" https://realinvestmentadvice.com/confidence-is-the-underappreciated-economic-engine/ "The Sahm Rule, Employment, And Recession Indicators" https://realinvestmentadvice.com/the-sahm-rule-employment-and-recession-indicators/ "Yen Carry Trade Blows Up Sparking Global Sell-Off" https://realinvestmentadvice.com/yen-carry-trade-blows-up-sparking-global-sell-off/ "Inversion Of Yield Curve Finally Reversing" https://realinvestmentadvice.com/newsletter/ ------- The latest installment of our new feature, Before the Bell, "Market Exuberance Reverses" is here: https://www.youtube.com/watch?v=NhhxNaLDDaA&list=PLwNgo56zE4RAbkqxgdj- ------- Our previous show is here: "Is the Crisis Over?" https://www.youtube.com/watch?v=rZWdk9bCH5Q&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=1s ------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #TrappedLongs #SahmRule #RecessionIndicator #MarketCorrection #CarryTrade #YieldCurveInversion #RecessionMisconception #YieldCurveUninversion #EconomicIndicators #FinancialHeadlines #InvertedYieldCurve #RecessionPrediction #EconomicAnalysis #MarketSignals #InterestRates #BondYields #EconomicCycles #FinancialMedia #MarketCommentary #EconomicForecasting #MarketTrends #FinancialEducation #Bonds #Gold #Recession #ISMServicesIndex #Markets #Money #Investing

Economic Reports affected by Hurricanes Beryl & Debbie; market sell off continues. Inflationary data is still there; unwinding of Yen Carry Trade continues w/volatility. Lance recites a brief history of market crashes, causes & effects. The market correction actually started in July at peak; trapped-longs sold into market rally as exuberance reverses. Earnings Season has delivered a mixed back; 92% of companies have reported, opening buy back windows for business. Consumer sentiment feedback loop affects Fed decision-making; what the Yen Carry Trade does for market moods. The differential in interest rates between the Yen & the Dollar is shrinking. The Fed is reactive...and trapped. Lance & Michael discuss the Sahm Rule recession indicator: This time may be different. Recessions are back-dated by as much as 12-months. Is the economy weakening or normalizing? Indicators are often at odds with one another. YouTube Chat Q&A: Estate Tax Exemptions & Bonds; Is it too soon to short TLT? Eli Lilly & Yen Carry Trade: Where did all the "fast" money go? Liquidity Indicators in conflict: How to accurately measure? Fear dries-up liquidity. SEG-1: A Brief History of Market Crashes; the Correction Started in July SEG-2: The Feedback Effect of Consumer Sentiment SEG-3: The Sahm Rule: Maybe Not This Time SEG-4: YouTube Chat Q&A: Shorting TLT, Liquidity Indicators Hosted by RIA Advisors Chief Investment Strategist Lance Roberts, CIO, w Portfolio Manager Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer ------- Watch today's show video here: https://www.youtube.com/watch?v=HHVg-HJq5Gs&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=5s ------- Articles mentioned in this report: "Confidence Is The Underappreciated Economic Engine" https://realinvestmentadvice.com/confidence-is-the-underappreciated-economic-engine/ "The Sahm Rule, Employment, And Recession Indicators" https://realinvestmentadvice.com/the-sahm-rule-employment-and-recession-indicators/ "Yen Carry Trade Blows Up Sparking Global Sell-Off" https://realinvestmentadvice.com/yen-carry-trade-blows-up-sparking-global-sell-off/ "Inversion Of Yield Curve Finally Reversing" https://realinvestmentadvice.com/newsletter/ ------- The latest installment of our new feature, Before the Bell, "Market Exuberance Reverses" is here:  https://www.youtube.com/watch?v=NhhxNaLDDaA&list=PLwNgo56zE4RAbkqxgdj- ------- Our previous show is here: "Is the Crisis Over?" https://www.youtube.com/watch?v=rZWdk9bCH5Q&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=1s ------- Get more info & commentary:  https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #TrappedLongs #SahmRule #RecessionIndicator #MarketCorrection #CarryTrade #YieldCurveInversion #RecessionMisconception #YieldCurveUninversion #EconomicIndicators #FinancialHeadlines #InvertedYieldCurve #RecessionPrediction #EconomicAnalysis #MarketSignals #InterestRates #BondYields #EconomicCycles #FinancialMedia #MarketCommentary #EconomicForecasting #MarketTrends #FinancialEducation #Bonds #Gold #Recession #ISMServicesIndex  #Markets #Money #Investing

Welcome to episode 590 of the Trading Justice podcast where the Justice brothers discuss chaos and opportunities. Jay Powell was doing his best “Transitory 2.0” routine discussing normalizing labor conditions just days before labor readings came in at their worst levels in a long time. Are we set up for some short-term chaos in markets? The Justice boys break down the whole narrative that led to volatility in markets to end the week. What are Matt and Mark looking for before they get actively involved again? What areas of the market do they prefer? The Justice boys hold nothing back in this podcast. Also discussed are commodities, the realignment of markets, economic data, the very important factor of Japan raising interest rates, and earnings from the previous week. A jam-packed podcast you don't want to miss. So sit back and normalize yourself however you see fit and get ready for another fantastic edition of the Trading Justice podcast!  

On this week's Evening News Magazine we have updates on this year's largest wildfire in California, the Park Fire, burning in Butte and Tehama Counties. What decisions will Federal Reserve policy makers make regarding interest rates and what does that mean for US consumers? KVMR's Paul Emory and former Fed Economist Gary Zimmerman tackle these questions in this week's Economic Report. KVMR News Director Cláudio Mendonça speaks with a University of Southern California researcher whose team has recently developed a wildfire behavioral model that uses artificial intelligence to better predict its likely path, intensity and growth rate. We close with an essay by Nevada City poet Molly Fisk.

On this weeks's Friday Evening News Magazine we bring you updates on the Athens Fire burning just north of Roseville and the Royal Fire southwest of Truckee. Then, the triumphant return of KVMR's Economic Report with Paul Emery and Economics Professor Gary Zimmerman. KVMR's resident science correspondent Al Stahler sits down with Joel Green, an instrument scientist at the Space Telescope Science Institute to learn just why we keep looking for answers in the stars. And an essay all about July from Nevada City poet Molly Fisk.

Welcome to episode 586 of the Trading Justice podcast where the Justice boys talk markets. We have an important and different earnings season coming up over the next month. Expectations are higher than normal this earnings season as are valuations all in the backdrop of a market with weak overall breadth. What does this mean heading into this earnings season? Coach Matt does a fantastic job analyzing the coming earnings season and discussing how this might play out. A must listen segment for all traders. The boys also break down recent market action, the Fed, gold, and have a featured segment analyzing recent bearish arguments being thrown out there. A great podcast from start to finish so sit back and enjoy another fantastic episode of the Trading Justice podcast! 2:00 Master Trader Event 6:00 Market Skyline 15:50 Jobs Report 25:00 Debt Clock 31:20 Gold Analysis 37:00 Earnings Questions  1:04:00 Bear Case

Ernie Tedeschi is the Direct of Economics at the Budget Lab and is a visiting fellow at the Psaros Center for Financial Markets and Policy. Recently, Ernie was a chief economist at the White House's Council of Economic Advisors, and he is also a returning guest to the podcast. Ernie rejoins Macro Musings to talk about the CEA and some of his recent work on the political risks to the US safe harbor premium and R-star. David and Ernie also discuss the benefits and healing properties of a high employment economy, Ernie's favorite measures of the labor market, the current and past trends in the path of R-Star, and more.   Transcript for this week's episode.   Ernie's Twitter: @ernietedeschi Ernie's Budget Lab profile   David Beckworth's Twitter: @DavidBeckworth Follow us on Twitter: @Macro_Musings   Check out our new AI chatbot: the Macro Musebot! Join the new Macro Musings Discord server!   Join the Macro Musings mailing list! Check out our Macro Musings merch!   Related Links:   *Political Risks to the U.S. Safe Harbor Premium* by Ernie Tedeschi   *Recent Movements in [R-star]: The Most Important Interest Rate That You have Never Heard Of* by Ernie Tedeschi   *The 2024 Economic Report of the President* by the White House Council of Economic Advisers   *The Fed Governor Who Proved Larry Summers Wrong* by Nick Timiraos   *Summers, Blanchard Say Waller's ‘Soft-Landing' Paper Has Errors* by Craig Torres   Timestamps:   (00:00:00) – Intro   (00:01:49) – Ernie's Experience at the CEA   (00:09:15) – The Benefits and Healing Properties of a High Employment Economy   (00:15:28) – Ernie's Favorite Measures of the Labor Market   (00:20:17) – The Broader Debate Surrounding Labor Market Measures   (00:24:07) – The Basics of a US Safe Harbor Premium   (00:28:56) – Political Risk vs. Exorbitant Privilege   (00:33:46) – Debt Ceiling Crises as a Political Risk Scenario   (00:37:01) – Fiscal Dominance as a Political Risk Scenario   (00:43:25) – Outlining the Distinction Between Different R-Stars   (00:48:39) – Past and Current Trends in the Path of R-Stars   (00:54:46) – Assessing the Sources of High Productivity   (00:58:22) – Outro

Episode Description: Join Matty A and Ryan Breedwell in this week's episode of Money Moves as they dive into the latest economic data, stock market trends, and real estate updates. Matty shares his busy schedule managing new business ventures and family life while Ryan enjoys his time in Puerto Vallarta, Mexico. They discuss key reports coming out this week, analyze political debates, and provide insights into the financial market's current state. Episode Highlights: 0:00 - 5:00 | Introduction and Personal Updates Matty A and Ryan Breedwell catch up on personal updates. Ryan is enjoying his time in Puerto Vallarta, Mexico, while Matty juggles multiple business ventures and family life. 5:00 - 10:00 | Political Updates Discussion on the upcoming Biden-Trump debate on CNN. Trump's call for drug tests for both candidates and Biden's debate preparation at Camp David. The stipulations set for the debate, including no cue cards and the ability to turn off mics. 10:00 - 20:00 | Economic Reports and Market Analysis Key economic reports to watch this week: consumer confidence data, new home sales, GDP data, PCE inflation data, and the Fed monetary policy report. Insights into the market's response to these reports and the potential for rate cuts in September. Discussion on the current state of the stock market and the overall economic outlook. 20:00 - 30:00 | Stock Market Trends and Predictions Analysis of Rivian's performance and its recent partnership with Volkswagen. The dominance of Nvidia in the AI chip market and its stock volatility. Predictions for the S&P 500 and insights from Tom Lee and UBS on the market's future. 30:00 - 40:00 | Cryptocurrency and AI Developments Donald Trump's potential appearance at the 2024 Bitcoin convention and his stance on crypto. Gary Gensler's comments on the approval process for a spot Ether ETF. The rise of AI and its impact on major tech companies like Nvidia and Amazon. 40:00 - 50:00 | Real Estate Market Insights Updates on the Kay Schiller Housing Price Index showing a 6.3 percent year-over-year increase. Discussion on the current state of the single-family and multifamily real estate markets. The implications of rising inventory levels and foreclosure rates on the housing market. 50:00 - End | Final Thoughts and Listener Engagement Encouragement for listeners to stay informed and make smart investment decisions. Reminder to take advantage of the free financial x-ray and get on Matty's deals list. Closing remarks and anticipation for the next episode. Resources Mentioned: Free Financial X-Ray: Text the word "XRAY" to 844-447-1555 to connect with Ryan and his team for a comprehensive review of your financial portfolio. Investment Opportunities: Text the word "DEALS" to 844-447-1555 to get on Matty's deals list and see what investments he's currently involved in. Podcast Cola: For getting booked on top podcasts, visit Podcast Cola. Connect with Matty A and Ryan: Email: For course inquiries and other questions, email Shaahin at darkzess@gmail.com (Mention "Millionaire Mindcast" for a free course). Website: Millionaire Mindcast Don't Miss Out: Subscribe to Money Moves for more insights and updates on stocks, real estate, personal finance, and market trends. Keep investing in yourself and your wealth on your journey to financial success. Cheers! Episode Sponsored By: Discover Financial Millionaire Mindcast Shop: Buy the Rich Life Planner and Get the Wealth-Building Bundle for FREE! Visit: https://shop.millionairemindcast.com/ MY FIRST 50K!: Visit https://wiseinvestorcollective.com/ and submit your application to join! Uplift Desk: Visit https://www.upliftdesk.com/mindcast or use the code MINDCAST for a 5% discount! Gusto: Visit https://www.gusto.com/millionairemindcast to get 3 Months free! LinkedIn Sales Solutions: Visit http://www.linkedin.com/mindcast to get your free 60-Day Trial!  

#514: The S&P 500 hit a record high — and the GameStop guy is back, and he now owns 9 million shares of GME, making him the 4th largest shareholder. Interest rates from remain the same, and are expected to hold steady until September. Inflation remains unchanged from last month. Last month we saw a massive explosion of new jobs, at 272,000 — nearly 90,000 more than predicted. But we also saw unemployment tick up, which created mixed signals. Learn the implications of the latest economic news — and how it impacts your wallet — in this month's economic update. For more information, visit the show notes at https://affordanything.com/episode514 Learn more about your ad choices. Visit podcastchoices.com/adchoices

Wall Street is hovering in record territory. ((self open))

Later on in today's program, we have an important update on Money Metals' efforts to enact pro-sound money laws across America.  So, stick around for an interview with our own Jp Cortez, coming up after this week's market update. | Do you own precious metals you would rather not sell, but need access to cash? Get Started Here: https://www.moneymetals.com/gold-loan

In this week's episode, the Money Wise guys provide a positive update on the recent performance of major stock indices, with the Dow Jones Industrial Average up by 491 points or 1.2%, the S&P 500 increasing by 81 points or 1.5%, and the NASDAQ rising by 345 points or 2.1%. Year-to-date figures show substantial gains, with both the S&P 500 and NASDAQ up by 11.2%. They also delve into recent economic reports that have influenced market sentiment, particularly the Consumer Price Index (CPI) and Producer Price Index (PPI). The CPI for the month was reported to increase by 0.3%, which was below the expected 0.4%, signaling a slight cooling of inflation, a positive signal for the markets. This was further supported by a downward revision in the previous month's PPI, which also had a calming effect on the market's inflation concerns. These developments contributed to all three major indices reaching all-time highs during the week, with the Dow closing above 40,000 for the first time on Friday. Looking ahead, the Money Wise guys discuss the potential impact of upcoming earnings from major tech companies like Nvidia, emphasizing the importance of their financial results in sustaining market momentum. They noted that continued positive earnings, particularly from leading tech firms, could further bolster investor confidence and drive market performance as the year progresses. The Cooling of Inflation The cooling of inflation, as indicated by recent lower-than-expected Consumer Price Index (CPI) figures, is generally positive for the markets for several reasons. Firstly, it alleviates concerns about the rising cost of living and the potential for eroded consumer purchasing power, which can stifle economic growth. Lower inflation also reduces the pressure on the Federal Reserve to hike interest rates, which is favorable for investment prices as higher interest rates typically lead to lower stock valuations. Furthermore, with less inflationary pressure, businesses face lower input costs, potentially leading to improved profit margins. Overall, a cooling of inflation fosters a more stable financial environment, encouraging investment and contributing to the overall health of the stock market. In the second hour today, the Money Wise guys share their ‘Are You Ready for Retirement' quiz. You don't want to miss the details! Tune in for the full discussion on your favorite podcast provider or at davidsoncap.com, where you can also learn more about the Money Wise guys or take advantage of a portfolio review and analysis with Davidson Capital Management.

April 30, 2024 ~ The NFL Draft brought more than 775,000 visitors to downtown Detroit, and brought in millions of dollars in economic growth to the local businesses. Guy, Lloyd, and Jamie talk with Anderson Economic Group CEO Patrick Anderson about his post-draft economic report, and why the final benefit might not be known for months or years. Photo: Eric Seals ~ USA Today Network

Lance is Back! What is really happening in Commercial Real Estate: Getting distressed inventories off the books at deep discounts. Market performance recap: Nice bounce off the 100-DMA; PCE coming: What it means & why it's important.Economic strength is keeping inflation high; can it last? After markets' nice sell off, downside risk still remains. Paying attention to economic reports and supply & demand; looking at Q1 GDP estimates; market review: Tesla & Meta: Narratives are fine, but look at the technicals. Bond auction narratives have been all over the place. Lessons for investors from the NFL: Avoid over-confidence. The difference between college & pro ball = retail vs pro investors. "Zig then the others Zag," Warren Sharp. "Groupthink = group stink," Doug Kass. Markets vs headlines; economic data vs polls; the steakhouse crowd vs the pubs; prices are the problem. The wealth gap plays havoc with inflation, which no one can really measure. SEG-1: What's Really Happening in Commercial Real Estate SEG-2: Economic Reports vs Supply & Demand SEG-3: Lessons for Investors from the NFL Draft SEG-4: Steakhouse Crowds, Pubs, and Polls Hosted by RIA Advisors Chief Investment Strategist Lance Roberts, CIO, w Portfolio Manager Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer ------- Watch today's show video here: https://www.youtube.com/watch?v=f7TjrCiY1s8&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=5s ------- Articles mentioned in this report: "Overconfidence In NFL Drafts: A Lesson For Investors" https://realinvestmentadvice.com/overconfidence-in-nfl-drafts-a-lesson-for-investors/ "Economic Warning From The NFIB" https://realinvestmentadvice.com/economic-warning-from-the-nfib/ "Fed Chair Jerome Powell Suggests “Higher For Longer” https://realinvestmentadvice.com/newsletter/ ------- The latest installment of our new feature, Before the Bell, "Downside Risk is Alive and Kicking!" is here: https://www.youtube.com/watch?v=QDRSELUUdwY&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our previous show is here: "What Does Realistic Retirement Look Like?" https://www.youtube.com/watch?v=nMvKYdHl_Ik&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1 -------- Get more info & commentary: https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #CommercialRealEstate #EconomicReports #SupplyAndDemand #NFLDraft #InvestorOverConfidence #InflationAdjustedSales #EconomicPerformance #EconomicWeakness #RetailSales #NFIBConcerns #SmallBusinessSales #EmploymentImpacts #ConsumerSpendingTrends #MaximizingBenefits #MarriedCouples #Longevity #SpouseConsideration #Viability #Markets #Money #Investing

Lance is Back! What is really happening in Commercial Real Estate: Getting distressed inventories off the books at deep discounts. Market performance recap: Nice bounce off the 100-DMA; PCE coming: What it means & why it's important.Economic strength is keeping inflation high; can it last? After markets' nice sell off, downside risk still remains. Paying attention to economic reports and supply & demand; looking at Q1 GDP estimates; market review: Tesla & Meta: Narratives are fine, but look at the technicals. Bond auction narratives have been all over the place. Lessons for investors from the NFL: Avoid over-confidence. The difference between college & pro ball = retail vs pro investors. "Zig then the others Zag," Warren Sharp. "Groupthink = group stink," Doug Kass. Markets vs headlines; economic data vs polls; the steakhouse crowd vs the pubs; prices are the problem. The wealth gap plays havoc with inflation, which no one can really measure.   SEG-1: What's Really Happening in Commercial Real Estate SEG-2: Economic Reports vs Supply & Demand SEG-3: Lessons for Investors from the NFL Draft SEG-4: Steakhouse Crowds, Pubs, and Polls Hosted by RIA Advisors Chief Investment Strategist Lance Roberts, CIO, w Portfolio Manager Michael Lebowitz, CFA Produced by Brent Clanton, Executive Producer ------- Watch today's show video here: https://www.youtube.com/watch?v=f7TjrCiY1s8&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1&t=5s ------- Articles mentioned in this report: "Overconfidence In NFL Drafts: A Lesson For Investors" https://realinvestmentadvice.com/overconfidence-in-nfl-drafts-a-lesson-for-investors/ "Economic Warning From The NFIB" https://realinvestmentadvice.com/economic-warning-from-the-nfib/ "Fed Chair Jerome Powell Suggests “Higher For Longer” https://realinvestmentadvice.com/newsletter/ ------- The latest installment of our new feature, Before the Bell, "Downside Risk is Alive and Kicking!" is here:  https://www.youtube.com/watch?v=QDRSELUUdwY&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Our previous show is here: "What Does Realistic Retirement Look Like?" https://www.youtube.com/watch?v=nMvKYdHl_Ik&list=PLVT8LcWPeAugpcGzM8hHyEP11lE87RYPe&index=1  -------- Get more info & commentary:  https://realinvestmentadvice.com/newsletter/ -------- SUBSCRIBE to The Real Investment Show here: http://www.youtube.com/c/TheRealInvestmentShow -------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #CommercialRealEstate #EconomicReports #SupplyAndDemand #NFLDraft #InvestorOverConfidence #InflationAdjustedSales #EconomicPerformance #EconomicWeakness #RetailSales #NFIBConcerns #SmallBusinessSales #EmploymentImpacts #ConsumerSpendingTrends #MaximizingBenefits #MarriedCouples #Longevity #SpouseConsideration  #Viability #Markets #Money #Investing

This week we bring you a particularly poetic news magazine. KVMR correspondent Al Stahler takes a detour from the science world to explore the realm of arts.  He sits down with prolific writer and poet Sands Hall to discuss the medium in anticipation of this weekend's Sierra Poetry Festival. Bringing us squarely back to the reality of capitalism, Former Federal Reserve Economist Gary Zimmerman joins KVMR's Paul Emery in this week's Economic Report. Nevada County's very own Molly Fisk brings us her weekly musings in her latest observations from a working poet.

In this hour of the W&J show the boys dig into the fake economic reports being circulated by Democrats and Trumps history of being quoted out of context.

This week's news magazine features an Economic Report about next week's US Federal Reserve meeting, a Money Matters commentary about health, and an essay by Molly Fisk titled "Arcturus".

Tips help keep me on the air. You can send one here: ⁠https://paypal.com/paypalme/josephfordcotto⁠. Your support is greatly appreciated! This episode of the 'Business and Economic Report' was livestreamed on February 4, 2024.

(2/5/24) Markets really don't care about the internals of economic reports; at least not as much as you might expect. Markets aren't doing the analysis. Markets see the headline data and move on, which is why they continue to do well, despite the scary data that's emerging... Certainly better than what's being felt by "the man on the street." As investors, then, we have to look at what the data is, and assume how the markets are going to interpret it. And for now, markets remain very bullish, despite last week's selloff. Hosted by RIA Chief Investment Strategist, Lance Roberts, CIO  Produced by Brent Clanton ------- Register for our next Candid Coffee: "Five Money Habits of Unhappy Couples," Saturday, February 24, 2024: https://streamyard.com/watch/TJz2bu2Xn9Hu --------  Get more info & commentary:  https://realinvestmentadvice.com/insights/real-investment-daily/ ------- Watch the video version of this report by subscribing to our new "Before the Bell" YouTube channel:  https://www.youtube.com/watch?v=5Ix8w3gJHp0&list=PLwNgo56zE4RAbkqxgdj-8GOvjZTp9_Zlz&index=1 ------- Visit our Site: https://www.realinvestmentadvice.com Contact Us: 1-855-RIA-PLAN -------- Subscribe to SimpleVisor: https://www.simplevisor.com/register-new -------- Connect with us on social: https://twitter.com/RealInvAdvice https://twitter.com/LanceRoberts https://www.facebook.com/RealInvestmentAdvice/ https://www.linkedin.com/in/realinvestmentadvice/ #InvestingAdvice #MarketCorrection #BondYield #BondPrices #FederalReserve #MovingAverage #Markets #Money #Investing 

THE ECONOMIC REPORT- OPPORTUNITIES EXIST EVEN IN A FAILED ECONOMY-BOB KUDLA

THE GLOBAL ECONOMIC REPORT: INDIVIDUAL OPPORTUNITIES IN A FAILED ECONOMY! BOB KUDLA

THE ECONOMIC REPORT- OPPORTUNITIES EXIST EVEN IN A FAILED ECONOMY-BOB KUDLA

As swing traders, should we be following all of the economic reports, or simply ignoring them? Are they noise that indirectly impacts our outlook on the market for the worse, and thereby negatively impact our trading decisions? In this podcast, Ryan speaks to whether we should just be focused on price and volume or whether we should incorporate the economic reports into our trading decisions. Be sure to check out my Swing-Trading offering through Patreon that goes hand-in-hand with my podcast, offering all of the research, charts and technical analysis on the stock market and individual stocks, not to mention my personal watch-lists and regular updates on the most popular stocks, including FAANG stocks, Microsoft and Tesla. This is provided each and every week! Check it out now at: www.swingtradingthestockmarket.com

A few days ago, the Biden administration released a report warning that a warming planet posed severe economic challenges for the United States, which would require the federal government to reassess its spending priorities and how it influenced behavior.White House reporter Jim Tankersley explains why getting the government to encourage the right decisions will be so difficult.Guest: Jim Tankersley, a White House correspondent for The New York Times.Background reading: A chapter in the new Economic Report of the President focuses on the growing risks to people and businesses from rising temperatures.In theory, funding the government takes place in two major stages. But it's a fraught and complicated process. Here's a step-by-step guide.For more information on today's episode, visit nytimes.com/thedaily. Transcripts of each episode will be made available by the next workday.