Podcasts about retail sales

Sale of goods and services from individuals or businesses to the end-user

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DH Unplugged
DHUnplugged #781: Greenlighting

DH Unplugged

Play Episode Listen Later Dec 10, 2025 62:20


We are Green-lighting! Announcing the participants for the CTP Cup 2025 (2) Lots of execs moving around all of a sudden A Chocolate Craze PLUS we are now on Spotify and Amazon Music/Podcasts! Click HERE for Show Notes and Links DHUnplugged is now streaming live - with listener chat. Click on link on the right sidebar. Love the Show? Then how about a Donation? Follow John C. Dvorak on Twitter Follow Andrew Horowitz on Twitter Interactive Brokers  Warm-Up - Announcing the participants for the CTP Cup 2025 (2) - Lots of execs moving around all of a sudden - Chocolate Craze Markets - NVDA gets the greenlight - Waiting for the ECO - ALL eyes...... Wednesday at 2pm - Oil Dropping - Gas Prices Dropping slightly - Just saw $2.59 for regular unleaded down here - Double edged sword - oil prices dropping is sign of eco slowdown... Nothing to be excited about just yet.... Inflation - PCE comes in a little lighter than expected - However, let us be clear that inflation is not lower and prices grossly above where we were a couple of years ago - Inflation still running at around 3% overall - Fed set to greenlight the rate cut Oil and Gas - Oil has been dropping - reports that use will slow over the next year - Gas Prices Dropping slightly - Just saw $2.59 for regular unleaded down here - Double edged sword - oil prices dropping is sign of eco slowdown... Nothing to be excited about just yet.... Jobs - Reports show that U.S. employers have announced over 1.1 million job cuts in 2025 (as of early December), marking the highest level since the pandemic's start in 2020. - This has been driven by tech integration (AI), economic shifts, and soft consumer spending, with sectors like government, tech, retail, and warehousing leading. Greenlight - No security problems here - Seeking a compromise over controlling exports to China, the US Department of Commerce will soon allow the export of powerful Nvidia GPUs that are roughly 18 months behind its most advanced offerings, according to a person with knowledge of the plan. - The move, which would send Nvidia H200s to China, seeks to find a middle ground between those who oppose exports of any advanced AI chips and those who worry that restrictions will merely hand the market to Chinese competitors. - It also aims to satisfy the Chinese government, which has blocked imports of less powerful chips, such as Nvidia's H20. - This can be gamed ..... - OHHHH - and USA to get 25% of the sales ???? China Not With Program - China is buying soybeans again, but short of President Trump's target, according to CNBC - Really think this is a big game and will not resolve anytime soon - China still holds the cards ECO Data Starting to Flow Again - BLS to publish October PPI data with the November PPI news release on January 14, 2026 - Unemployment report released Dec 16th - This week is a little slow but next week (Dec 15-19) kick it up hard - - - Dec 19 Income and Spending , PCE report, Housing starts, Retail Sales, CPI (Nov), Leading Indicators, Philly Fed, UMich Sentiment Apple Turnover - Not the pastry - In just the past week, Apple's heads of artificial intelligence and interface design stepped down. - Then the company announced that its general counsel and head of governmental affairs were leaving as well. - All four executives have reported directly to Chief Executive Officer Tim Cook Berkshire Too - Todd Combs, one of Warren Buffett's investing lieutenants and the CEO of GEICO, is departing Berkshire Hathaway and joining JPMorgan Chase in a new role as part of a major shake-up involving both firms. - Combs is leaving Berkshire Hathaway and his role leading GEICO to run the bank's new investment group as part of its wider "security and resilience" initiative announced in October. AI Frames - Warby Parker and Google announced that the first lightweight, AI glasses developed through their partnership are expected to launch in 2026 - What will be different about these? All others have seemed to failed miserably. Mergers - Maybe - Netflix announced Friday it's reached a deal to buy pieces of Warner Bros. Discovery, bringing a swift end to a dramatic bidding process that saw Paramount Skydance and Comcast also vying for the legacy assets. - The transaction is comprised of cash and stock and is valued at $27.75 per WBD share - Others are offering $30 CASH per share - President Trump has put in his comments that he thinks it may be a tough one to clear - $2.8B breakup fee if Warner Brothers pulls out and $5.8B reverse break up fee if the deal is not approved. Oracle Earnings - Wednesday after the bell - This is the poster child for the vendor and circular financing - Stock was the darling for a minute a few months ago - Written: "The stock has fallen roughly 32-40% from its September 10 peak, erasing its "Nvidia moment" rally and turning Oracle into the primary vehicle for expressing skepticism about the AI build-out and OpenAI's economics." - Briefing analyst Forgot this... - What happened to the Tik Tok deal and the China bad discussion? --- History.... - Negotiations happened between ByteDance, Oracle, and Walmart back in 2020, and later discussions continued under “Project Texas” for U.S. data security. - The proposed structure (Oracle as tech partner, U.S. investors taking a stake) was announced but never finalized into a binding acquisition or spin-off. - Instead, TikTok remained under ByteDance ownership, while implementing U.S. data storage and security measures through Oracle. - The U.S. government extended deadlines multiple times, but no sale or transfer of ownership occurred. - China wins again! So much winning! Private Credit  - Private markets investing startup Yieldstreet, now calling itself Willow Wealth, recently informed customers of new defaults on real estate projects in Houston and Nashville, Tennessee. The letters, obtained and verified by CNBC, account for about $41 million in new losses. - They come on the heels of $89 million in marine loan wipeouts disclosed in September and $78 million in losses previously reported by CNBC. - Willow Wealth also removed a decade of historical performance data from public view in recent weeks. - Total losses? $208 million Pistachios - Dubai Craze - Milk chocolate shell filled with: - Pistachio cream (often blended with tahini for a nutty, slightly savory note) - Kadayif (shredded phyllo pastry) for crunch - Created in 2021, went viral in 2023 via the SOCH -  United States, Iran, and Turkey the biggest producers of pistachios - Argentina betting on it to continue  - adding to their farmland to cover the demand - Dubai Chocolate Bar (the viral pistachio-knafeh chocolate) generated over $50–$60 million in global sales for the year. IndiGo - In November, new Flight Duty Time Limitation (FDTL) rules increased pilot rest periods. - IndiGo failed to adjust crew rosters, causing a severe pilot shortage during peak travel season. - 1000s of flights cancelled - IndiGo apologized and implemented measures like processing refunds, arranging transport/hotels for stranded passengers, and strengthening customer support. - As of this week - still having major problems - stock don 20% from its high on this news (not traded in USA) Grok Report - Using Grok as Copilot is getting a little weird....ChatGPT a little slow - Photo to video clip - pretty cool - Image generation - FAST! - Can have full on conversations and even companions.....(?) - More racy than other Ai (as is to be expected) Age 18+  options - Interesting nd impressive thus far. OMG  - Brown Nosing - Stellantis said it will bring an all-electric small “car” called the Fiat Topolino to the U.S. - The Topolino is actually categorized as “an all-electric quadricycle” rather than a car, according to Stellantis and has a top speed of roughly 28 miles per hour. - Fiat's announcement comes less than a week after President Donald Trump praised small “Kei” cars from Japan and expressed interest in bringing tiny cars to the U.S. Love the Show? Then how about a Donation? The Winner for iShares Bitcoin Trust ETF (IBIT) Winners will be getting great stuff like the new "OFFICIAL" DHUnplugged Shirt! CTP CUP 2025 Participants: Jim Beaver Mike Kazmierczak Joe Metzger Ken Degel David Martin Dean Wormell Neil Larion Mary Lou Schwarzer Eric Harvey (2024 Winner) FED AND CRYPTO LIMERICKS See this week's stock picks HERE Follow John C. Dvorak on Twitter Follow Andrew Horowitz on Twitter

The Real Investment Show Podcast
12-2-25 Q&A LIVE: Ask Us Anything About Markets & Money

The Real Investment Show Podcast

Play Episode Listen Later Dec 2, 2025 55:57


Welcome to our LIVE Q&A session! Lance Roberts is taking your questions directly from the YouTube live chat—covering markets, investing, retirement planning, inflation, interest rates, the Federal Reserve, portfolio strategy, risk management, and your personal finance questions. No scripts, no agenda—just real-time answers based on data, history, and risk-focused investing principles. We'll break down what's moving the markets, how to think about pullbacks, what the Fed may do next, how valuations affect future returns, and how to build financial plans that survive full market cycles. Whether you're a new investor or a seasoned pro, this LIVE Q&A is your chance to get expert insight—right now. 0:00 - INTRO 0:19 - Not Every December is Positive; Retail Sales, Black Friday, & Target snafu 5:03 - Momentum is Back 11:01 - Economic Summit tease 12:01 - Live Q&A: Is the 60-40 Rule still viable - the goal is reducing volatility (three legs of investing) 19:34 - Debt to GDP Ratio - threat to US Dollar; purchasing power of the US Dollar 22:24 - The purchasing Power of the US Dollar vs Inflation (Chart Crime) 26:53 - Dollar performance since release of Chat GPT 28:05 - Biggest Mistake/Triumph - luck in real estate; lost money in Oil & Gas 30:08 - Is the BitCoin 4-year Cycle still Alive? 33:36 - What's the best investment for beginning investor? 35:58 - What Roles should REIT's play over the next 5-years? 37:14 - Is there a trade for money rotation among the Mag-7 as investors try to pick winners? 39:17 - Dated Maturity Bond ETF's? 40:47 - Yield Curve steepening, inversion or un-inversion 42:16 - What happens to AI if Cap-Ex doesn't show up? (It already is) 42:33 - In what bucket does Gold belong? (risk) 43:27 - Small Cap outlook for 2026 45:18 - When will long-term bonds recover? (They are) 46:13 - Bull/Bear case for private real estate & Private equity/credit 50:09 - When is marriage a good investment (and when is it not)?

Economy Watch
The run into Christmas underway

Economy Watch

Play Episode Listen Later Nov 30, 2025 6:30


Kia ora,Welcome to Monday's Economy Watch where we follow the economic events and trends that affect Aotearoa/New Zealand.I'm David Chaston and this is the international edition from Interest.co.nz.And today we lead with news we are waiting for the first indications of retail sales, as the US and EU economies make their run to the end-of-year holiday season. It is this retail impulse that powers much of the global economy.Also, in the week ahead we will get local and Australian building consent data, and the Aussies will release the Q3-2025 GDP growth rate, expected to be +2.2% from a year agoIn the US, there will be more catch-up official data releases but their non-farm payroll data for November has been delayed until mid-December now. However ADP will release its new weekly update and the Challenger job cut report will still come out on time. There will be PMIs for the US and no-one expects much change in any of this. Of special interest will be the end-of-week release of the UofM sentiment survey. Few see any improvement there either with it hovering around record lows.Elsewhere there will be a raft of PMI and trade and inflation releases from many countries. And the Indian central bank meets and is widely expected to cut its policy rate by -25 bps to 4.25% despite the surging growth. Fast-falling food prices means inflation is seen as under control there.Over the weekend India said their economy expanded by +8.2% in September from the previous year from the previous year and well above the expected +7.3% Q3-2025 rise and above the +7.8% growth rate from Q2-2025. It was the sharpest annual growth rate rise since March 2024. India trimmed its GST rates and increased government spending when they were faced with swingeing US tariffs, and that, along with re-orienting trade has supported consumer confidence and private investment. In late September, they simplified their multi-slab GST system with the rates for most goods falling from 12% or 28%, to 5% and 18%. This change has been a big part of their boost, giving more of an effect than anticipated.China said its official November PMIs were weaker and their tepid expansion has turned into a general but small contraction. The main change was for their services sector, shrinking for the first time in three years and joining the ongoing small contraction in their factory sector. That factory sector has now contracted for eight straight months. Both measures would be a lot worse if they didn't have deflation in their input costs. The private S&PGlobal version isn't expected to vary much from that when it is released later today, although it may be on the more positive side. Either way, these indicators are not pointing to an economy expanding like their GDP claims.Japan said retail sales were +1.7% higher in October than a year ago (real) and that was very much better than the +0.8% expected and the +0.2% in September. And Japanese industrial production rose +1.5% in the year to October, an unexpected second consecutive month of expansion and the October month also came in much better than expected.In South Korea there was a big separation between the two sectors. Industrial production declined, and quite sharply in October, although this largely reverses the big surge in September. And their retail sales took an unexpected surge, up +3.5% from September to be +2.2% higher than a year ago.In Canada, they released their September GDP growth outcome over the weekend and their forecast for October. The picture was mixed and they seem to be settling into a bit of a yo-yo pattern. July was up +0.3% for the month, August down -0.3%, September up +0.2% and October's 'flash' result down -0.3%. There is a tendency for the 'flash' results to be revised higher. Generally their goods-producing sector is marginally weaker while their services sector is mixed. From a year ago, Canada's economic activity is up +1.4%.Early reports of US retail trade over the weekend seem positive, but heavily focused online.The UST 10yr yield is now just on 4.02%, unchanged from Saturday but down -5 bps from a week ago.The price of gold will start today at US$4218/oz, and up +US$7 from Saturday. And that is a +US$134/oz rise for the week, or +3.2%.Silver surged in Friday US trade to a record high US$56.50/oz. Chinese inventories have dropped to their lowest level in a decade following heavy shipments to London triggered by a supply squeeze. A Comex outage in the US didn't help either.American oil prices are unchanged from Saturday to be just on US$59.50/bbl, while the international Brent price is little-changed at just over US$63/bbl. A week ago these prices were US$58/bbl and US$62.50/bbl, so a +US$1.50 rise in the US but far less internationally.The Kiwi dollar is up another +10 bps from Saturday, now at just under 57.4 USc. A week ago it was at 56.1 USc so a +120 bps rise since then or a +2.1% appreciation. Against the Aussie we are little-changed overnight at just on 87.6 AUc. Against the euro we have held at 49.4 euro cents. That all means our TWI-5 starts today at just under 62, and essentially unchanged from Saturday, up +110 bps for the week.The bitcoin price starts today at US$91,838 and up +1.5% from Saturday. And it is up +6.9% from this time last week. Volatility over the past 24 hours has been low however, at just on +/- 0.9%.You can get more news affecting the economy in New Zealand from interest.co.nz.Kia ora. I'm David Chaston. And we will do this again tomorrow.

Real Estate News: Real Estate Investing Podcast
September PPI, Retail Sales, Inflation & Delayed Government Data: What It Means for Investors

Real Estate News: Real Estate Investing Podcast

Play Episode Listen Later Nov 28, 2025 2:55


September's economic data is finally out—despite government shutdown delays—and it offers a mixed but important look at inflation, spending, and what's coming next for interest rates. In this episode, Kathy breaks down the latest Producer Price Index showing cooling core wholesale inflation, rising energy costs, and how retail sales held up in September. She also explains what the delayed CPI and PPI reports mean for market volatility, Fed decisions, and real estate investors heading into year-end. JOIN RealWealth® FOR FREE https://realwealth.com/join-step-1  FOLLOW OUR PODCASTS Real Wealth Show: Real Estate Investing Podcast https://link.chtbl.com/RWS Source:  https://www.cnbc.com/2025/11/25/core-wholesale-prices-rose-less-than-expected-in-september-retail-sales-gain.html 

Future Commerce  - A Retail Strategy Podcast
Black Friday vs. Propriety: Nothing Left to Sell

Future Commerce - A Retail Strategy Podcast

Play Episode Listen Later Nov 28, 2025 96:27


It's a Black Friday special! Phillip and Brian explore how capitalism commercializes everything it touches, as exemplified beautifully by community-driven Buy Nothing groups facing trademark enforcement and Walmart's WhoKnewVille campaign, which misses the point of Dr. Seuss entirely. They examine Mariah Carey's evolution from background music to Sephora partner, the disturbing rise of skincare for toddlers, and why new media's infinitesimally short news cycles are reshaping how we consume culture itself.PLUS: Get Plus! Use code BLACKFRIDAY for a year of Future Commerce Plus at our lowest rate ever. Black Friday Isn't Dying, and Neither Is Kris Jenner! Key takeaways:Buy Nothing chooses to wage its trademark battle during the SNAP benefits pause.As long as digital channels and Kris Jenner continue to thrive, Black Friday will never die.Mariah Carey's “It's Time” video is sponsored by Sephora. Finally!The new media ecosystem demands we live in the immediacy of the moment. Media cycle half-lives grow shorter by the day.“Mel Gibson was for Boomers what Johnny Depp was for Gen X, and I get the same feeling about Timothee Chalamet for this generation.” –– Brian Lange“Any gift you give or receive is actually a flaming fireball in the sky of your identity.” –– Brian Lange“Let he who is without screen time cast the first stone.” –– Phillip Jackson“Buy Nothing groups disintermediate the knife fight.” –– Phillip Jackson, Craigslist knife fight survivorAssociated Links:Get a year of Future Commerce Plus for $50 with code BLACKFRIDAYCheck out Future Commerce on YouTubeCheck out Future Commerce Plus for exclusive content and save on merch and printSubscribe to Insiders and The Senses to read more about what we are witnessing in the commerce worldListen to our other episodes of Future CommerceHave any questions or comments about the show? Let us know on futurecommerce.com, or reach out to us on Twitter, Facebook, Instagram, or LinkedIn. We love hearing from our listeners! Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Phorest FM
Experience the Difference: A Case Study in Turning Service into Predictable, Consistent Retail Sales

Phorest FM

Play Episode Listen Later Nov 27, 2025 70:09


[323] Featuring Derrick Rutherford (Co-Owner, Valentini's), Arif Isikgun (CEO & Founder, Ai Beauty Consultancy), and Cole Marker (Founder & Builder in Chief, thync.c), this episode reimagines retail not as a “pushy add-on," but as an essential part of sustainable business growth, driven by client care and rooted in trust.   Backed by data from the Phorest 2025 Consumer Insights Report and rooted in the incredible success Valentini's is having with retail (26% service-to-retail, 113$ average retail ticket), this conversation explores what's driving these impressive figures and flips the narrative on common blockers salon, spa, and clinic teams face in making retail a natural part of everyday operations. With Arif and Cole's added layer of lived experiences and insights as coaches, we first discuss the power of storytelling and the importance of thorough, process-driven consultations. Then, we speak to how systems make it stick, goal-setting and accountability elevate performance, and how retail can serve as an early indicator of broader issues in the business.   Learn how to build a retail approach that is: Backed by systems that make the offer authentic, care-centered, and consistent Sustainable and reflective of service standards and clients' levels of trust Empowers your team with confidence Integrates service, recommendations, and follow-through into one seamless client journey If you listen to one episode about retail this year… Let it be this one.   Follow Derrick Rutherford, Arif Isikgun, and Cole Marker on Instagram: @derrick_rutherford, @aibeautyconsultancy, @thync.c_coaching   Enjoyed the episode? Leave a rating and review on Apple Podcasts! Click here to subscribe to the PhorestFM email newsletter or here to learn more about Phorest Salon Software. This episode was edited and mixed by Audio Z: Montreal's cutting-edge post-production studio for creative minds looking to have their vision professionally produced and mixed. Great music makes great moments

Economy Watch
The final 2025 retail push underway

Economy Watch

Play Episode Listen Later Nov 27, 2025 5:37


Kia ora,Welcome to Friday's Economy Watch where we follow the economic events and trends that affect Aotearoa/New Zealand.I'm David Chaston and this is the international edition from Interest.co.nz.And today we lead with news the global economy has one month to go to bolster its 2025 economic performance, all down to retail sales now.First, of course, the US is now in its Thanksgiving holiday weekend, the start of their big retail period until Christmas. A lot rides on the consumer spending activity in this period. It is an impulse with global impact. But the lead-in has not been helpful about giving clues on how it will turn out.Meanwhile, Canadian average weekly earnings came in stronger than expected, up +3.1% in September from a year ago and a touch higher than the August +2.7% rise on the same basis. It was a broad-based rise. It is not a bad result for them given their CPI rise was +2.4% in September, and fell to +2.2% in October, so their earnings are recording real gains.The 'Buy Canadian' movement will be getting the ultimate test this weekend during the 'Black Friday' sales period.In China, industrial profits dropped -5.5% in October from a year ago, taking the top off the +22% jump in September. and the +13% rise in August, and being the first slowdown in growth in three months. A quarter of all companies are now posting losses, a record high. The cost of debt is also a reason some are noting that profits are under pressure. And that may loom larger, because Beijing as told their SOE banks to lend more to other SOEs to prop up consumption demand.We can also see office rents in major cities falling, vacancy rates rising, as pain spreads in the commercial property sector. Vanke is wobbling more now. And separately, despite high sales and rapid growth, Chinese car manufacturers are suffering record low margins. Their industry is very vulnerable to a demand slowdown.In Taiwan, consumer sentiment edged up in October from September, but it is still quite low and far lower than year-ago levels. They haven't got back anywhere near the level they started the year with. Relentless mainland pressure to 'unify' and kill their independence isn't helping.The Bank of Korea held its base policy rate at 2.5% at today's meeting, the final policy session of the year. It did this despite concerns over the broader Korean economic outlook, including a persistent property market slump and a volatile currency.In Malaysia, producer prices were little-changed in October, essentially ending the deflation they had in the prior seven months.In the EU, overall economic sentiment held as did consumer inflation expectations. They are modest and back to pre-pandemic levels in a stable mode and putting behind them the rather strong deflationary expectations over the past two years. That sanguine view was reinforced by the release overnight of the ECB meeting minutes. They seem happy with where they are at and no rate changes seem imminent.In Australia, prudential regulator APRA has said it will limit high debt-to-income home loans to constrain riskier lending that is starting to show up in that market. Some of it has been induced by the Canberra government's taxpayer-subsidised 5% deposit guarantee scheme.And staying in Australia, new private capital spending is rising and more quickly than expected. The rise was largely driven by non-mining industries, which recorded a +13.0% jump, while spending on mining equipment and machinery grew just +4.5%.Global container freight rates dipped -2% last week to be -47% lower than year-ago levels. Outbound China rates are a touch weaker while trans-Atlantic rates a touch stronger. However, bulk freight rates have risen +6.0% over the past week and are now sitting a touch over +50% higher than year ago levels and are back to levels we last saw briefly in November 2023, and prior to that during the pandemic.The UST 10yr yield is still just on 4.00% with US markets closed.The price of gold will start today at US$4156/oz, and down -US$10 from yesterday.American oil prices have risen almost +US$1 from yesterday to be just under US$59/bbl, while the international Brent price is also up, but less, now just over US$63/bbl.The Kiwi dollar is up another +30 bps from yesterday, now at just over 57.2 USc. Against the Aussie we are up +20 bps at just over 87.6 AUc. Against the euro we have risen +30 bps to 49.4 euro cents. That all means our TWI-5 starts today at just under 61.9, and up +30 bps.The bitcoin price starts today at US$91,468 and up +4.5% from yesterday. Volatility over the past 24 hours has been moderate at just on +/- 2.3%.You can get more news affecting the economy in New Zealand from interest.co.nz.Kia ora. I'm David Chaston. And we will do this again on Monday.

Moody's Talks - Inside Economics

Scott Hoyt joins the podcast to provide a look into the holiday retail season and to discuss the state of the U.S. consumer more broadly. The team reviews the downbeat data on consumer confidence, the labor market, inflation and housing, and contemplates the implications for consumer spending this Christmas. The team remembers to take a listener question on income inequality and the mood gets even darker. Happy Thanksgiving everyone!Hosts: Mark Zandi – Chief Economist, Moody's Analytics, Cris deRitis – Deputy Chief Economist, Moody's Analytics, and Marisa DiNatale – Senior Director - Head of Global Forecasting, Moody's AnalyticsFollow Mark Zandi on 'X' and BlueSky @MarkZandi, Cris deRitis on LinkedIn, and Marisa DiNatale on LinkedIn Questions or Comments, please email us at helpeconomy@moodys.com. We would love to hear from you. To stay informed and follow the insights of Moody's Analytics economists, visit Economic View. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

The John Batchelor Show
S8 Ep127: Economy, Fed Rates, and the AI Productivity Boom — Liz Peek — Peek examines the U.S. economy, noting mixed retail sales data alongside recent strength in credit card spending. She anticipates the Federal Reserve will likely reduce interest r

The John Batchelor Show

Play Episode Listen Later Nov 25, 2025 15:29


Economy, Fed Rates, and the AI Productivity Boom — Liz Peek — Peek examines the U.S. economy, noting mixed retail sales data alongside recent strength in credit card spending. She anticipates the Federal Reserve will likely reduce interest rates in December due to softening labor market conditions, despite traditional employment reporting lags. Peekemphasizes that the Fed fails to account adequately for AI's significant, though currently unmeasured, impact on productivity gains, employment displacement, and escalating electricity consumption, even as AI demonstrates substantial benefits in diagnostics and medical analysis. 1921 CHAPLIN

WSJ Minute Briefing
September Retail Sales and Wholesale Prices Rose in Delayed Government Reports

WSJ Minute Briefing

Play Episode Listen Later Nov 25, 2025 2:28


Plus: French authorities have detained a person who they suspect to be the last thief involved in the Louvre heist. And a new study has linked untreated sleep apnea with increased risk of later developing Parkinson's disease. Alex Ossola hosts. Sign up for WSJ's free What's News newsletter. An artificial-intelligence tool assisted in the making of this episode by creating summaries that were based on Wall Street Journal reporting and reviewed and adapted by an editor. Learn more about your ad choices. Visit megaphone.fm/adchoices

Schwab Market Update Audio
PPI, Retail Sales Data Await Following Big Rally

Schwab Market Update Audio

Play Episode Listen Later Nov 25, 2025 9:22


Stocks are up two straight days following Monday's tech-led rally bolstered by Alphabet and Broadcom. PPI and retail sales data loom along with Best Buy and Alibaba results.Important DisclosuresThis material is intended for general informational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Supporting documentation for any claims or statistical information is available upon request.Past performance is no guarantee of future results.Diversification and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets.Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions.The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.Investing involves risk, including loss of principal, and for some products and strategies, loss of more than your initial investment.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries.Google Podcasts and the Google Podcasts logo are trademarks of Google LLC.Spotify and the Spotify logo are registered trademarks of Spotify AB.(0130-1125) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Lash Biz Babes
127: Boost Revenue Without New Clients: Retail + Add-On Service Tips (Listener Favorite)

Lash Biz Babes

Play Episode Listen Later Nov 25, 2025 20:16


Wouldn't it be great to add money to your pocket without having to book new clients? In this re-released listener favorite episode, I share exactly that - simple ways to boost your earnings by selling retail products and offering service add-ons, all while keeping things low-pressure and natural.I know this year has been tough for many beauty businesses, but the holiday season is the perfect time to step back, refresh your mindset, and see the opportunities around you. I walk you through making retail feel less salesy and ideas for what to sell along with service add-on's that complement what you already offer. Plus, I give you tips on how to promote all these extras drawing from my experience as a social media manager for beauty businesses!What you'll learn in this episode:How can retail sales feel natural instead of pushy?What are the best products to pair with your services for easy sales?How to boost holiday sales with gift basketsWhat profitable service add-ons require little extra time or costHow can you talk about retail and add-ons in a way that feels authentic to you?Expert tips for using your social media to promote these extrasLash artist, esthetician, or hairstylist - this episode is packed with ideas to help you make more money this holiday season! Want to create content that *actually* books clients?My Beauty Content Mastery Masterclass is here! This is your step-by-step training to plan, create, and post content that turns your followers into paying clients consistently!For just $28, you'll learn how to:

OANDA Market Insights
US Core PPI eases, US retail sales growth slows

OANDA Market Insights

Play Episode Listen Later Nov 25, 2025 9:46


Join OANDA Senior Market Analysts & podcast guest Nick Syiek (TraderNick) as they review the latest market news and moves. MarketPulse provides up-to-the-minute analysis on forex, commodities and indices from around the world. MarketPulse is an award-winning news site that delivers round-the-clock commentary on a wide range of asset classes, as well as in-depth insights into the major economic trends and events that impact the markets. The content produced on this site is for general information purposes only and should not be construed to be advice, invitation, inducement, offer, recommendation or solicitation for investment or disinvestment in any financial instrument. Opinions expressed herein are those of the authors and not necessarily those of OANDA or any of its affiliates, officers or directors. If you would like to reproduce or redistribute any of the content found on MarketPulse, please access the RSS feed or contact us at info@marketpulse.com. © 2023 OANDA Business Information & Services Inc

AP Audio Stories
US retail sales rose slightly in September, adding to months of big gains

AP Audio Stories

Play Episode Listen Later Nov 25, 2025 0:50


A slight jump in retail sales, adding to months of big gains. AP correspondent Mike Hempen reports.

Economy Watch
American consumer confidence fades and retail sales growth cools

Economy Watch

Play Episode Listen Later Nov 25, 2025 4:30


Kia ora,Welcome to Wednesday's Economy Watch where we follow the economic events and trends that affect Aotearoa/New Zealand.I'm David Chaston and this is the international edition from Interest.co.nz.And today we lead with news bond markets are ramping up their defensive posture, especially in the US, as American economic data fades further.But first up today, there was a GlobalDairyTrade Pulse powder auction today and prices slipped again. They were down -1% from the prior full event a week ago for SMP and dived a rather sharp -4% for WMP. This will keep downward pressure on pay-out forecasts for the current season, especially the WMP result.In the US, the ADP weekly employment report said a net -13,500 US jobs were lost last week, the largest weekly drop since ADP started releasing their weekly data. The pace of payroll shrinkage seems to be rising in the US.American retail sales growth slowed to +4.3% in September from the + 5.0% rise in August. On a monthly basis, retail sales rose +0.2%, half the expected +0.4% increase and suggesting the weakness is concentrated recently. Observers will be watching the weak car sales component, especially.Producer prices rose +2.7% in September from a year earlier, exactly as expected.Pending home sales fell -0.4% in October from year-ago levels, the second consecutive monthly dip, and the eighth of 2025. However they did record a seasonal rise from September.The latest factory survey from the Richmond Fed covering the mid-Atlantic states was quite negative.And the Dallas Fed services survey was downbeat too, although the contraction there was at a slower pace than in October.So it will be no surprise to learn that the Conference Board's consumer sentiment survey was also quite negative, falling sharply and mirroring the similar University of Michigan survey. Perceptions of inflation rose, to 4.8%.And traditional Thanksgiving travel plans are being scaled back. They were expecting a rise this year, but the economic situation and uncertainties about disruptions are seeing an unexpected rise in cancellations, so a decline is now anticipated.Across the Pacific in South Korea, consumer sentiment is rising. Their central bank's survey revealed a Composite Consumer Sentiment Index at the highest reading since November 2017. Their renewed confidence follows a major trade agreement with the US and stronger-than-expected economic growth.In Taiwan, retail sales rose +1.9% in October from the same month a year ago, a bounce-back from the -1.6% dip in September. Meanwhile their industrial production expanded sharply again, up another +14.5% on that same year-on-year basis, although the pace of expansion seems to be slowing a bit even if it is strong.The UST 10yr yield is now under 4.00%, down -5 bps from this time yesterday to 3.99% as a defensive mood takes hold.The price of gold will start today at US$4138/oz, and up +US$42 from yesterday.American oil prices have fallen -US$1 from yesterday to be just on US$57.50/bbl, with the international Brent price now just on US$62/bbl.The Kiwi dollar is holding at just under 56.1 USc, and little-changed from yesterday. Against the Aussie we are up +10 bps at just under 87 AUc. Against the euro we have dropped -20 bps to 48.5 euro cents. That all means our TWI-5 starts today at just under 60.8, and little-changed if soft.The bitcoin price starts today at US$86,996 and down -0.3% from yesterday. Volatility over the past 24 hours has been modest at just on +/- 1.2%.Today, the RBNZ will review the OCR and issue its final Monetary Policy Statement of the year. Join us from 2pm when we will start our full coverage.You can get more news affecting the economy in New Zealand from interest.co.nz.Kia ora. I'm David Chaston. And we will do this again tomorrow.

TD Ameritrade Network
KG: September PPI & Retail Sales Prominent, DELL & DE Key Earnings This Week

TD Ameritrade Network

Play Episode Listen Later Nov 24, 2025 7:18


Tuesday will be the big headline day on a holiday-shortened week, says Kevin Green. He explains how the September PPI and retail sales prints will outline prominent data for investors even if the numbers are backward-looking. When it comes to stocks, KG looks ahead to Dell Technologies (DELL) and Deere & Co. (DE) as earnings movers to watch this week. He also notes geopolitical headlines in China and Ukrainian peace talks to highlight moves in the commodity space. ======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

Onyx and the World of Oil Derivatives
Meltdown! Markets Rattle as Crypto Crashes, AI Stocks Slammed | Macro Mondays

Onyx and the World of Oil Derivatives

Play Episode Listen Later Nov 24, 2025 28:39


In this week's Macro Mondays, Lisa Aziz joins James Brodie and James Todd to break down the key macro trends driving global markets. With US labour data showing early signs of strain, unemployment rising, and consumer confidence sinking to its lowest levels since 2022, recession risk is moving sharply higher.AI-linked equities face renewed volatility as NVIDIA's blockbuster earnings failed to lift markets, triggering a multi-asset liquidation event. UK data softens further ahead of a critical budget, while currency markets rotate back into dollar strength. Commodities remain mixed—gold clings to key support, copper holds firm, uranium unwinds, and Brent struggles as geopolitical risks collide with weakening macro signals.Key highlights include:✅ US unemployment ticks higher; weekly jobless claims exceed expectations✅ Michigan consumer confidence falls to the second-weakest level since 1990✅ Inflation re-accelerates to 3% YoY, complicating the Fed's December meeting✅ UK retail sales disappoint; PMIs weaken; budget deficit widens✅ Pound breaks key support as UK sentiment deteriorates✅ NVIDIA beats expectations but triggers heavy tech liquidation✅ SPX, AI stocks & leveraged tech positions unwind sharply✅ Oracle CDS jumps as markets question AI-linked debt loads✅ Gold holds support; copper resilient despite broader volatility✅ Uranium sells off as power-demand assumptions face scrutiny✅ Bitcoin drops 24% in November — worst month since June 2022✅ Markets price a 77% chance of a Fed cut on December 10

Economy Watch
Markets ignore holiday shopping questions

Economy Watch

Play Episode Listen Later Nov 24, 2025 3:55


Kia ora,Welcome to Tuesday's Economy Watch where we follow the economic events and trends that affect Aotearoa/New Zealand.I'm David Chaston and this is the international edition from Interest.co.nz.And today we lead with news holiday season retail cheerleaders may have to work harder this year to induce spending.First, Americans are expected to be out retail shopping this week in record numbers, up almost +2% this year than last year. But doubts are also rising about how much they will spend. Research shows shoppers are wary of high prices driven by tariff-taxes, and are hitting the streets mainly in search of bargains and with stricter budgets. The recoil that "everything is more expensive" comes as other surveys show Americans refuse to dip into savings to pay for holiday shopping. That is leaving many observers suspecting this year's holiday sales volumes may be stunted.And local manufacturers are finding that retailers are not ordering like they used to.The Dallas Fed's Texas factory survey retreated in November (to -10.4, from -5 in October), a fourth consecutive monthly contraction in manufacturing activity and the steepest since June. Interestingly, outlook views worsened even though they reported a modest rise in new orders. Cost pressures rose.Meanwhile, Canada's manufacturing sales data for October turned negative, although not as negative as expected. This comes after an unexpectedly upbeat September, so more of a settling than a decline.Across the Pacific in Singapore, they are getting another whiff of CPI inflation. Their rate climbed to 1.2% in October from a year ago, from 0.7% in September and the highest level since January. Food prices rose the most in six months.And new information from China's recently adopted 5-Year Plan, is helpful in put Beijing's influence on the giant Chinese economy in perspective. There are calls for more central control of the economy by Beijing, because they provide only about 15% of all budgeted public expenditure, the rest from provincial and local government. Some want that to rise to 40%. For perspective, the OECD average is 60% from central government.In Australia, they will implement age-restrictions for social media platforms on December 10, almost all of them American-owned and all enabling unrestricted criminal communications that also enable users to bully and exploit minors (Americans regards that as 'free speech'). It is a move that is being watched by many countries, the latest being Malaysia. So far, no American operator has said it will obey Australian law in Australia.On the geopolitical trade front, China has made some more soybean purchases, but relatively minor ones. It does keep the Americans interested, but so far in the 2025/26 season they have bought about 12% of their trade-deal agreement level.The UST 10yr yield is now at 4.04%, down -2 bps from this time yesterday.The price of gold will start today at US$4096/oz, and up +US$32 from yesterday.American oil prices have largely held from yesterday to be just under US$58.50/bbl, with the international Brent price now just over US$62.50/bbl.The Kiwi dollar is holding at just on 56.1 USc, and unchanged from yesterday. Against the Aussie we are also holding at just under 86.9 AUc. Against the euro we have dipped -10 bps to 48.7 euro cents. That all means our TWI-5 starts today at just over 60.8, and down a bit less than -10 bps.The bitcoin price starts today at US$87,268 and up +0.8% from yesterday. Volatility over the past 24 hours has been modest at just on +/- 1.5%.You can get more news affecting the economy in New Zealand from interest.co.nz.Kia ora. I'm David Chaston. And we will do this again tomorrow.

StockInvest.us Stock Podcast
#48/2025 - Why I Sold NVIDIA & TESLA: My Plan for the Next "Green Week"

StockInvest.us Stock Podcast

Play Episode Listen Later Nov 21, 2025 31:37


Is the "Red Week" finally over? In this episode, we analyze the recent market volatility and why I believe a rebound is coming next week. I explain my recent decision to sell NVIDIA (NVDA) and Tesla (TSLA) near the top and reveal the strategy behind accumulating cash for the next big move.We also break down the key economic data coming this Thanksgiving week, including the crucial PCE Inflation numbers and Retail Sales. Plus, I share my top stock picks for high-risk growth, from the 4 candidates: BigBear.ai, Plug Power, and Rigetti Computing.In this video:

KMJ's Afternoon Drive
Kratom Debate Heats Up As Fresno Co. Weighs Potential Retail Sales Ban

KMJ's Afternoon Drive

Play Episode Listen Later Nov 20, 2025 25:47


The Fresno County Board of Supervisors, along with Fresno city officials, is on the road to banning the retail sale of kratom, a controversial and addictive plant is sold in local shops. Please Like, Comment and Follow 'Philip Teresi on KMJ' on all platforms: --- Philip Teresi on KMJ is available on the KMJNOW app, Apple Podcasts, Spotify, YouTube or wherever else you listen to podcasts. -- Philip Teresi on KMJ Weekdays 2-6 PM Pacific on News/Talk 580 AM & 105.9 FM KMJ | Website | Facebook | Instagram | X | Podcast | Amazon | See omnystudio.com/listener for privacy information.

Philip Teresi Podcasts
Kratom Debate Heats Up As Fresno Co. Weighs Potential Retail Sales Ban

Philip Teresi Podcasts

Play Episode Listen Later Nov 20, 2025 25:47


The Fresno County Board of Supervisors, along with Fresno city officials, is on the road to banning the retail sale of kratom, a controversial and addictive plant is sold in local shops. Please Like, Comment and Follow 'Philip Teresi on KMJ' on all platforms: --- Philip Teresi on KMJ is available on the KMJNOW app, Apple Podcasts, Spotify, YouTube or wherever else you listen to podcasts. -- Philip Teresi on KMJ Weekdays 2-6 PM Pacific on News/Talk 580 AM & 105.9 FM KMJ | Website | Facebook | Instagram | X | Podcast | Amazon | See omnystudio.com/listener for privacy information.

Remarkable Retail
Retail Sales Defy Gravity, A Big Change at Walmart, and Daydream CEO Julie Bornstein on the Next Wave in AI Shopping

Remarkable Retail

Play Episode Listen Later Nov 18, 2025 57:17


Season 11, Episode 12 opens with a whirlwind week in retail news. Steve and Michael begin with the long-awaited end of the historic 43-day U.S. government shutdown, exploring what it means for holiday spending, federal workers, SNAP benefits, and travel recovery. While uncertainty lingers—particularly around health-care subsidies—the hosts note that retail may still experience ripple effects, especially among lower-income consumers living paycheck to paycheck. Still, retail sales continue to surprise: year-over-year spending climbed 5%, with clothing, sporting goods, electronics, and general merchandise leading the pack. Ecommerce also surged, with October online sales up 8.2%The hosts then unpack a series of strong earnings from standout brands. On continues its explosive growth with sales up over 30%, while Warby Parker posts a 15% sales jump and meaningful profitability improvement. The RealReal rebounds with 17% revenue growth, and Shopify reports a remarkable 32% increase, reflecting the strength of digitally enabled commerce. Another major storyline is the rapid rise of AI shopping: Adobe Analytics data now shows AI-driven traffic converting 16% higher than traditional channels, validating the momentum behind agentic commerce. In other tech news, Google announces an AI agent capable of calling stores, checking inventory, and completing purchases—a signal of seismic shifts underway in retail automation. And finally, the surprise timing behind the departure of Walmart CEO Doug McMillon prompts conversation about leadership transition, strategy continuity and the remarkable transformation he led. The second half of the episode features an in-depth interview with Julie Bornstein, Founder & CEO of Daydream—an AI-powered, chat-based shopping engine still in beta but already partnered with over 10,000 brands and 350 retailers that has already raised $50mm in capital. Julie shares her impressive career journey through Nordstrom, Urban Outfitters, Sephora, Stitch Fix, The Yes, and Pinterest. She then goes to explain how Daydream solves fashion's most enduring problem: overwhelming choice. With generative AI enabling natural-language search, Daydream aims to deliver truly personalized recommendations by combining human stylist expertise with an ensemble of specialized models that understand fabric, fit, color, and aesthetic nuance. Julie also discusses the complexity of building a platform that merges taste-based shopping with machine learning, the importance of deep brand partnerships, and why major retailers see Daydream as both a customer-acquisition engine and an AI learning lab. She previews what's ahead: emerging social features, secondhand expansion, new iOS integrations, an upcoming app launch, and broader consumer rollout.  SPECIAL OFFER for our listeners! SAVE 20% on registration for the all new Shoptalk Luxe event in Abu Dhabi January 27-29.For more info go to https://luxe.shoptalk.com/page/get-ticket and then register using our special code : RRLUXE20 About UsSteve Dennis is a strategic advisor and keynote speaker focused on growth and innovation, who has also been named one of the world's top retail influencers. He is the bestselling authro of two books: Leaders Leap: Transforming Your Company at the Speed of Disruption and Remarkable Retail: How To Win & Keep Customers in the Age of Disruption. Steve regularly shares his insights in his role as a Forbes senior retail contributor and on social media.Michael LeBlanc is the president and founder of M.E. LeBlanc & Company Inc, a senior retail advisor, keynote speaker and now, media entrepreneur. He has been on the front lines of retail industry change for his entire career. Michael has delivered keynotes, hosted fire-side discussions and participated worldwide in thought leadership panels, most recently on the main stage in Toronto at Retail Council of Canada's Retail Marketing conference with leaders from Walmart & Google. He brings 25+ years of brand/retail/marketing & eCommerce leadership experience with Levi's, Black & Decker, Hudson's Bay, CanWest Media, Pandora Jewellery, The Shopping Channel and Retail Council of Canada to his advisory, speaking and media practice.Michael produces and hosts a network of leading retail trade podcasts, including the award-winning No.1 independent retail industry podcast in America, Remarkable Retail with his partner, Dallas-based best-selling author Steve Dennis; Canada's top retail industry podcast The Voice of Retail and Canada's top food industry and one of the top Canadian-produced management independent podcasts in the country, The Food Professor with Dr. Sylvain Charlebois from Dalhousie University in Halifax.Rethink Retail has recognized Michael as one of the top global retail experts for the fourth year in a row, Thinkers 360 has named him on of the Top 50 global thought leaders in retail, RTIH has named him a top 100 global though leader in retail technology and Coresight Research has named Michael a Retail AI Influencer. If you are a BBQ fan, you can tune into Michael's cooking show, Last Request BBQ, on YouTube, Instagram, X and yes, TikTok.Michael is available for keynote presentations helping retailers, brands and retail industry insiders explaining the current state and future of the retail industry in North America and around the world.

Economy Watch
Affordability pressure has everyone's attention now

Economy Watch

Play Episode Listen Later Nov 16, 2025 7:08


Kia ora,Welcome to Monday's Economy Watch where we follow the economic events and trends that affect Aotearoa/New Zealand.I'm David Chaston and this is the international edition from Interest.co.nz.And today we lead with news inflation is rising more quickly in one large economy, the US, and policymakers and financial markets are getting skittish.Firstly, this week will be dominated by the Reserve Bank of Australia's release of the minutes of its November 5 meeting. There will be intense interest on their views of inflation risks. Then the US Fed will release the minutes of its October 30 meeting and observers will be looking for similar clues.Locally we will get another full dairy auction, and trade data this week, preceded this morning by the REINZ October results at 9am.Trade, inflation and PMI data will be coming from a range of countries. From the US, we await how they will be catching up with their official data releases. There will be the usual prosaic private sector data releases but the new weekly ADP employment data will bring intense interest, as will some earnings reports, especially from Nvidia.There will be little major data this coming week from China, because they released most of it this past weekend. And that was headlined by an big unexpected negative surprise from their fixed asset investment data. They said it fell -1.7% for the year to October. But that belies a huge -11% drop in the month from the same month a year earlier. For a country as large as China, that is a mammoth and sudden shift. The really large decrease was in the industrial northeast region. And it is puzzling analysts, especially in the light of the electricity data surge. Perhaps a clue is in this factoid in their data release: "fixed asset investment by foreign-invested enterprises decreased by 12.1%". The slump raises important questions about the health of their domestic demand which is still over-reliant on exporting. The internal economy still hasn't gotten over the real estate slump and the resulting defensive change in attitudes by their consumers.China's new home prices in October across their 70 major cities were unchanged from September, officially, but dropped -2.2% from the same month a year ago. This was the same year-on-year decline they had in September. Most analysts expected a lesser decline of -2.0%. Seven of the 70 cities posited modest year-on-year price gains. None posted any gains for resales.Meanwhile, China's retail sales held up better than expected, up +2.9% from a year ago with better holiday spending. Their official industrial production was up +4.9% from a year ago in October, a rather large easing in their 6.0% September growth rate.China's electricity production fell in October, but that was less than expected and less that the usual seasonal pattern so it was up an unusually large +7.9% from a year ago. That may have something to do with the electricity appetite by AI infrastructure.In India, bank loan growth stayed very high in October to easily a new record, even if the percentage rise wasn't as high as September. That is now three consecutive months where new debt has risen by more than +11% from the same month a year ago.In Canada, they released some September data over the weekend and it was quite positive. Their manufacturing sales rose +2.7% real, and their wholesale trade rose +0.6% real, both from August. Year-on-year it isn't so positive although manufacturing sales are almost back to those levels (-0.8%) after being down -4.1% in May. Both data sets indicate remarkable resilience, and their fast transition even after being dumped-on capriciously by the US.And there was some interesting data out over the weekend from the EU, where their trade surplus rose to +€19 bln in September. That was its best in five months and +50% better that year ago results. Driving the gains were exports to the US and the UK, offset somewhat by imports from India and Mexico. Imports from the US rose too but at a slower pace than the export activity. Imports from South Korea fell sharply. Trade activity with China was little-changed although it remains deeply negative (that is, more imports from China than exports to China).In the US there are clear signs investors are getting quite skittish about the risks of bonds tied to AI companies. Don't forget bonds have priority over equities, so the dive for insurance on bonds isn't a great sign. Bloomberg is reporting the demand for credit default swaps is surging for these bonds and they cite what is happening in Oracle's case. A surge in debt is expected to flood debt markets soon as these AI companies ramp up funding of their plans.And there is the news that Trump is now rolling back some of his tariff-taxes, because even he can see they have caused household inflation and the 'affordability crisis' he is being blamed for. US inflation pressure is moving the dial in money markets. The chance of a Fed rate cut on December 11 (NZT) is fading, and quite quickly, as professional traders scale back the bets on a cut rather sharply.The UST 10yr yield is now at 4.15%, up another +1 bp from Saturday at this time up +7 bps for the week.The price of gold will start today at US$4081/oz, and down -US$17 from this time yesterday. That is up +US$17 for the week.American oil prices have held from Saturday to be just over US$60/bbl, with the international Brent price now just under US$64.50/bbl, up less than +US$1 from a week ago.The Kiwi dollar is now at just on 56.8 USc, and unchanged from Saturday, up +60 bps from a week ago. Against the Aussie we are up +10 bps at 86.9 AUc. Against the euro we are unchanged at 48.9 euro cents. That all means our TWI-5 starts today at just over 61.3, little-changed from yesterday, up +60 bps for the week.The bitcoin price starts today at US$94,374 and down another -1.5% from yesterday. That is its lowest since May 2025 and down -8.9% for the week. Volatility over the past 24 hours has been moderate at just on +/- 2.7%.You can get more news affecting the economy in New Zealand from interest.co.nz.Kia ora. I'm David Chaston. And we will do this again tomorrow.

Ransquawk Rundown, Daily Podcast
Europe Market Open: European equity futures mostly lower; UK PM Starmer and Chancellor Reeves to ditch income tax increase plans

Ransquawk Rundown, Daily Podcast

Play Episode Listen Later Nov 14, 2025 3:28


APAC stocks were pressured following the sell-off stateside, where tech was hit on valuation and China AI race concerns, while sentiment was also not helped by recent hawkish-leaning Fed rhetoric and mixed Chinese activity data.Chinese activity data was mixed, in which Industrial Production disappointed and Retail Sales marginally topped estimates, but both showed a slowdown from the previous, while Chinese House Prices continued to contract.US BLS said it is working on a plan to release the delayed data and stated, "We appreciate your patience while we work to get this information out ASAP, as it may take time to fully assess the situation and finalise revised release dates", according to WSJ.UK PM Starmer and Chancellor Reeves reportedly ditched budget plans to increase income tax rates, according to FT.European equity futures indicate a lower cash market open with Euro Stoxx 50 futures down 0.3% after the cash market closed with losses of 0.8% on Thursday.Looking ahead, highlights include German Wholesale Price Index (Oct), French/Spanish CPI Final (Oct), EU Trade Balance (Sep), EU GDP Flash Estimate (Q3), Speakers including ECB's Cipollone, Elderson & Lane, Fed's Bostic, Schmid & Logan, Earnings from Swiss Re, Allianz & Siemens Energy.Read the full report covering Equities, Forex, Fixed Income, Commodites and more on Newsquawk

Economy Watch
Moving on, ignoring vital risks

Economy Watch

Play Episode Listen Later Nov 12, 2025 5:21


Kia ora,Welcome to Thursday's Economy Watch where we follow the economic events and trends that affect Aotearoa/New Zealand.I'm David Chaston and this is the international edition from Interest.co.nz.And today we lead with news that with the Indian subcontinent on the edge of armed conflict and tit-for-tat terrorist moves and retaliation, the world's economy is ignoring these new risks.First up today, the US House of Representatives is set to vote to end their latest and record-long shutdown, and by the time you read this, have probably approved the compromise. This has seen Wall Street react with a split personality. The Dow Jones Industrial Average has risen to a new record high. But the broader S&P500 is becalmed, and the Nasdaq is lower. The bond market is more risk-averse. The USD is weakening. Just guessing here, but it seems markets think the shutdown pain was a wasted exercise and the result will be negative for the giant US economy. Rebooting their economy won't be easy.Meanwhile, US mortgage applications were little-changed last week, with the refinance market dipping slightly and the smaller new purchase market rising, actually with a notable increase. This came despite mortgage rates rising in the week.And more Americans than ever are falling behind on their car payments. According to Fitch Ratings, the share of subprime borrowers at least 60 days past due on their car loans rose to 6.65% in October, the highest in data tracking that started in 1994. And selling a used car to pay off the debt won't help. Record numbers of people doing that still owe loan balances after these sales.A well-supported US Treasury 10yr bond auction today brought a median yield of 4.02%, down from 4.06% at the prior equivalent event a month ago.In Canada, there were more positive economic signals. Building consents rose in September from August more than expected, led by multi-family projects in Alberta and Quebec and single-family homes in Ontario. But overall, they were still -8% lower than year-ago levels.In Japan, machine tool orders rose in October by more than +17% from the same month in 2024, driven by a +21% rise in export orders. They would have been happy about the +6% rise in orders from local manufacturers too.In China, residential real estate developers are under pressure to generate cash - again. Meeting year-end sales targets is crucial to hold on to their finance lifelines. So there are not only steep discounts on offer, but other creative incentives, such as "move in, buy later". One Guangzhou developer as a scheme where buyers front with a ¥100,000 deposit (NZ$25,000), move in for one month, and if they are not happy can move out with the only cost being one month's rent.In Malaysia, they have a buoyant retail sector with retail sales rising +7% in September from a year ago, accelerating from the +5% gain in the previous month. It was up +4.3% in volume terms and was their largest increase since January.In India, CPI inflation there has fallen to a record low +0.3% pa, down from +1.4% in September. Driving this is -5% deflation for food. In turn, that was caused by very good food growing conditions and heavy haervests.The RBI has an inflation target range of 2%-6% and this was the third consecutive month it has been below the bottom of that target. They will likely now move to cut their 5.5% policy rate soon, maybe at their next meeting on December 5, 2025.In Australia, the value of new owner-occupier home loan commitments rose +9.8% in September from a year ago. Investment lending for housing soared +18.7% on the same basis to a record high. The housing surge is in full flight of unbridled enthusiasm.The UST 10yr yield is now at 4.06%, down -1 bp from yesterday at this time.The price of gold will start today at US$4190/oz, up another +US$77 from this time yesterday.American oil prices have dropped hard by -US$2.50 higher from yesterday to just on US$58.50/bbl, with the international Brent price just over US$62.50/bbl.The Kiwi dollar is now at just on 56.6 USc, and little-changed from yesterday. Against the Aussie we have dipped -10 bps to 86.6 AUc. Against the euro we are unchanged at 48.8 euro cents. That all means our TWI-5 starts today at just under 61.2 and up +10 bps from yesterday.The bitcoin price starts today at US$101,589 and down another -1.9% from yesterday. Volatility over the past 24 hours has been modest at just on +/- 1.8%.You can get more news affecting the economy in New Zealand from interest.co.nz.Kia ora. I'm David Chaston. And we will do this again tomorrow.

Healthy Wealthy & Smart
Dr. Nick Schmit: Exploring New Revenue Streams in Physical Therapy

Healthy Wealthy & Smart

Play Episode Listen Later Oct 30, 2025 39:52


In this episode of the Healthy, Wealthy, and Smart Podcast, host Dr. Karen Litzy welcomes Dr. Nick Schmidt, a practicing physical therapist and founder of PT Assist and the Physical Therapy Project. Dr. Schmidt shares his journey from a pre-pharmacy student to a passionate advocate for innovative revenue streams in physical therapy. The conversation delves into the importance of cash-based services, the potential of retail sales in clinics, and the creation of a supportive community for physical therapists. Dr. Schmidt emphasizes the need for sustainable business practices and the role of physical therapists as musculoskeletal experts. Takeaways The transition from traditional to cash-based models can enhance revenue. Retail sales in clinics offer a viable revenue stream with the right products. Building a community among physical therapists fosters growth and innovation. Understanding the market and patient needs is crucial for success. Integrating new technologies requires careful consideration and planning. Consistency and passion are key to professional growth. Collaboration with other practice owners can provide valuable insights. The importance of aligning new revenue streams with clinic capabilities. The role of physical therapists as primary musculoskeletal care providers. The value of connecting with like-minded professionals in the field. Chapters [00:00] Introduction and Welcome · [02:15] Dr. Nick Schmidt's Background and Journey · [05:30] Exploring Cash-Based Services · [10:45] The Role of Retail Sales in Clinics · [15:20] Building the Physical Therapy Project Community · [20:00] Innovative Technologies and Their Implementation · [25:30] Challenges and Opportunities in Revenue Streams · [30:15] Advice for Practice Owners · [35:00] Closing Thoughts and Contact Information More About Dr. Schmidt: Nick Schmit is a practicing physical therapist and the founder of The PT Assist and The Physical Therapy Project community on Skool. Throughout his career, Nick has developed a deep passion for helping practice owners build sustainable businesses while reinforcing the role of physical therapists as the musculoskeletal experts. This passion led him to create The PT Assist, a platform that helps clinic owners successfully integrate retail sales into their practices. His newest venture, The Physical Therapy Project, is both a community and a resource hub for physical therapists exploring cash-based services and modalities such as dry needling, saunas, shockwave therapy, laser, retail offerings, wellness services, and more. The community provides guidance on what services are available, how they work, which might be the best fit for a clinic, and practical strategies to implement them smoothly and effectively. Nick grew up in central Minnesota, earned his bachelor's degree in Zoology from North Dakota State University, and went on to complete his Doctor of Physical Therapy at the University of Nebraska Medical Center in Omaha. He now lives in North Dakota with his wife and their growing family. Grounded by his faith and family, Nick is grateful for the many blessings in his life. His mission is to add as much value to the profession as possible and to connect with others who are boldly pursuing their dreams and passions. Resources from this Episode: Nick's email: nick@theptassist.com The Physical Therapy Project Website Nick on LinkedIn Jane Sponsorship Information: Book a one-on-one demo here Mention the code LITZY1MO for a free month Follow Dr. Karen Litzy on Social Media: Karen's Instagram Karen's LinkedIn Subscribe to Healthy, Wealthy & Smart: YouTube Website Apple Podcast Spotify SoundCloud Stitcher iHeart Radio

The Resilient Retail Game Plan
The Power of Planning Your Retail Sales Year: How Structure Creates Freedom (and Profit)

The Resilient Retail Game Plan

Play Episode Listen Later Oct 30, 2025 20:38 Transcription Available


If you're tired of winging it with your retail sales, this episode of The Resilient Retail Game Plan is your turning point. I'm Catherine Erdly, and in this episode I'm revealing how mapping out your sales year gives you more creativity, not less. Plus, we're all about calmer launches, better cash flow, and loyal customers. Learn how to replace last-minute panic with a confident plan that fits your life, not the other way around.Timestamped overview00:00 Planning Enhances Creativity03:40 Avoid Reactive Selling Strategies07:09 Predictive Marketing Example10:57 Plan Themes, Fill Gaps15:07 "Planning Ahead for Success"18:14 Holiday Planning for Retail SuccessWebsite: https://www.resilientretailclub.comInvite: https://resilientretailclub.com/retailsalesPodcast: https://www.resilientretailclub.com/podcastTell me what landed for you—DM @resilientretailclub on Instagram with your biggest takeaway or guest wish list. Tap follow (and rate and review me while you're there) in your favourite app to keep updated on new episodes.

Making a (Multi) Million Dollar MedSpa
Episode #69 - Stop Selling, Start Connecting: How Education Drives Retail Sales with Robyn Jennett

Making a (Multi) Million Dollar MedSpa

Play Episode Listen Later Oct 29, 2025 50:13


In this episode, Kathy sits down with Robyn Jennett of Coachlight in Des Moines, Iowa to explore how intentional client care and clear communication create lasting results. From first consultations to long-term maintenance, she shares the strategies that drive client trust, treatment success, and steady growth within the practice—all while generating outstanding retail sales.Talking Points:Featured treatments & servicesSofwave as a standout treatmentIntroducing a new retail lineRevision CMT for post-procedure careSetting intentional goalsWhat drives Robyn's successAligning first product recs with skin goalsScheduling corrective check-insIntroducing retail during the consultationManaging client expectationsOutlining requirements from the startDesigning the maintenance phaseRebooking before the client leavesFocusing on providing genuine supportResources:CoachlightSofwave E-courseRetail Sales Online TrainingAd Links:Online E-coursesPodcast Feedback

Ransquawk Rundown, Daily Podcast
Europe Market Open: Trump softens China stance, S&P downgrades France and European futures rebound after Friday's loss

Ransquawk Rundown, Daily Podcast

Play Episode Listen Later Oct 20, 2025 4:05


APAC stocks were higher amid tailwinds from recent trade-related rhetoric, including US President Trump's comments on Friday that 100% tariffs are not sustainable and that he will be meeting with Chinese President Xi.Nikkei 225 surged to a fresh all-time high above the 49,000 level amid a reignition of the Takaichi trade with the LDP leader on track to become Japan's first female PM following an agreement to form a coalition with Japan's Innovation Party.In China, PBoC maintained LPRs as expected, whilst Chinese GDP, Industrial Production and Retail Sales either matched or topped forecasts, and the CPC Central Committee is also holding a four-day closed-door meeting through to Thursday.US President Trump said on Friday that they are getting along with China, and it looks like the meeting with China will go forward, while he could move the November 1st deadline up if he wanted. Trump added that they will make a deal that will be good for both countries and thinks they will be in a strong position in trade talks with China.Israel's Channel 12 reported that Israel was attacking Gaza, while the Israeli military said Hamas carried out multiple attacks against Israeli forces beyond the ‘yellow line', violating the ceasefire; both sides later said they will adhere to the ceasefire once again.S&P lowered France to 'A+' from 'AA-'; Outlook Stable, while it cited heightened risks to budgetary consolidation; European equity futures indicate a positive cash market open with Euro Stoxx 50 futures up 0.8% after the cash market finished with losses of 0.8% on Friday.Looking ahead, highlights include German Producer Prices (Sep), Canadian Producer Prices (Sep), US Leading Index (Sep), New Zealand Trade (Sep), CCP 4th Plenum (20th-23rd), Speakers including ECB's Schnabel & RBA's Jones, Supply from EU & Italy, Earnings from Sandvik, Zions Bancorp & Cleveland Cliffs.Read the full report covering Equities, Forex, Fixed Income, Commodites and more on Newsquawk

AM/PM Podcast
#466 - From Amazon to Aisle 7: How Sellers Break Into Retail with Doug Harding

AM/PM Podcast

Play Episode Listen Later Sep 25, 2025 65:19


In this episode, our guest discussed why retail still outpaces e-commerce 4X. Learn how Amazon-proven brands land on Costco, Target, & Walmart shelves with his insider playbook.   What if your online brand could conquer the retail world, just like it did on Amazon? Join us as we chat with Doug Harding, an expert in navigating the complex transition from online selling to retail dominance. Doug shares invaluable insights into why retail remains a powerhouse, accounting for about 80% of US sales, and how online successes can pave the way for tangible, store-shelf victories. From strategic placement in major retailers like Costco, Walmart, and Target to the essential role of branding and social media in capturing buyer attention, this episode is packed with actionable advice for Amazon sellers ready to make the leap.   We unpack the challenges of retail distribution and explore the sophisticated logistics behind ensuring your product stands out in stores. Doug explains how refining packaging and leveraging distribution partners can smooth the path from online clicks to retail checkout aisles. Discover the financial strategies that can support this shift, including creative financing options like private equity and factoring, which have helped brands like Bertello pizza ovens expand from a Shark Tank pitch to a household name in major retail chains.   For those contemplating retail expansion, we highlight the potential for impressive sales growth and the unique considerations of wholesale cost structures. Our discussion covers the nuances of retail pricing and profit margins, emphasizing the importance of maintaining brand integrity while negotiating store placements. As we explore the opportunities and strategies for retail growth, you'll gain fresh perspectives on why retail is far from dead and how it can be a robust avenue for your business's future success. Tune in for a wealth of wisdom on harnessing retail opportunities and nurturing sustainable business growth. In episode 466 of the AM/PM Podcast, Kevin and Doug discuss: 00:00 - The Power of Retail Expansion for Amazon Sellers 04:30 - Changing Perspectives on Online Retail 07:26 - Navigating Retail Distribution Challenges 15:45 - Retail Pull Strategy Implementation Guidance 17:13 - Maximizing Retail Placement and Distribution 20:56 - Understanding Retail Shelf Placement Strategy 24:55 - Packaging Strategies for Retail Success 31:15 - Retail Logistics and Distribution Challenges 37:17 - Subscription Fees and Dominant Retailers 40:50 - Retail Product Launch and Distribution 42:54 - Shark Tank Product Success Story 50:23 - Retail Margin and Cost Structure 57:42 - Margin Analysis in Retail Sales  1:01:16 - Challenges of Online Advertising 1:03:50 - Exploring Retail Opportunities for Growth

Money Talks Radio Show - Atlanta, GA
September 20, 2025: Rates, Refinancing, and Raising Capital

Money Talks Radio Show - Atlanta, GA

Play Episode Listen Later Sep 20, 2025 55:44


This week's market spotlight is on the Federal Reserve, as they cut the Fed Funds rate by 0.25 percentage points—and, perhaps more importantly, signaled what could be ahead for future rate cuts. We also dig into the latest Retail Sales and Consumer Sentiment data.After the break, we shift gears to mortgage rates with Shanna Squires from Henssler Mortgage Advisors. She shares insights on how quickly Fed rate changes filter into the mortgage market, what that timing means for homeowners, and when refinancing may be the right move. We'll also discuss how locking in a lower rate could lead to meaningful long-term savings.Finally, we tackle a listener question about launching a business. With more than $1 million in investments and $250,000 in cash, but needing $500,000 to get started, what's the smartest way to fund the venture? We weigh the pros and cons of tapping into cash and investments versus exploring options like a business loan or private equity—all while keeping his overall financial plan, cash flow, retirement, and long-term goals in focus.Join hosts Nick Antonucci, CVA, CEPA, Director of Research, and Managing Associates K.C. Smith, CFP®, CEPA, and D.J. Barker, CWS®, and Kelly-Lynne Scalice, a seasoned communicator and host, on Henssler Money Talks as they explore key financial strategies to help investors navigate market uncertainty. Henssler Money Talks — September 20, 2025  |  Season 39, Episode 38Timestamps and Chapters6:31: Reviewing “Up in Smoke”14:03: Fed Rate Cuts, Retail Sales and Consumer Sentiment28:12: Time to Refinance? Looking at Mortgage Rate Movements41:21: Funding in Focus: Pros and Cons of Raising CapitalFollow Henssler:  Facebook: https://www.facebook.com/HensslerFinancial/ YouTube:  https://www.youtube.com/c/HensslerFinancial LinkedIn: https://www.linkedin.com/company/henssler-financial/ Instagram: https://www.instagram.com/hensslerfinancial/ TikTok: https://www.tiktok.com/@hensslerfinancial?lang=en X: https://www.x.com/hensslergroup  “Henssler Money Talks” is brought to you by Henssler Financial. Sign up for the Money Talks Newsletter: https://www.henssler.com/newsletters/ 

Smartinvesting2000
September 19th, 2025 | Retail sales surprisingly strong, Are quarterly reports necessary for public companies? Is your financial advisor "quiet retiring"? Understand low rated bonds risk & More

Smartinvesting2000

Play Episode Listen Later Sep 19, 2025 55:39


Retail sales are still surprisingly strong Although the labor market has been softening and consumers say they are worried about inflation, people are still spending money. August retail sales were up 5% compared to last year and if the annual decline of 0.7% in gasoline stations was excluded, sales would have increased 5.5% compared to last August. Strength was broad based in the report and outside of gasoline stations the only other major categories that saw declines were department stores where sales were down 1% and building material & garden equipment & supplies dealers, which fell 2.3%. Non-store retailers continued to be a dominant category as sales climbed 10.1% and food services and drinking places still saw impressive growth of 6.5%. It's because of reports like this that I worry the Fed may make a mistake if they cut rates too quickly. If they overstep, they run the risk of overheating the economy and putting added pressure on inflation.    Are quarterly reports necessary for public companies? President Trump floated the idea of switching company reports from quarterly to semiannual. It appears Trump believes this will help companies focus more on the long-term business performance rather than fixating on short-term quarterly numbers. There's also hope this will save time and money for public corporations. The SEC acknowledged they are actively looking into the plan as a spokesperson for the agency stated, "At President Trump's request, Chairman [Paul] Atkins and the SEC is prioritizing this proposal to further eliminate unnecessary regulatory burdens on companies." Being a long-term investor, I can see the benefits of changing this requirement as one quarter should not dictate your decision on whether you should buy, sell, or hold a business. Ultimately, a change like this wouldn't have a real impact on my investment philosophy and if this enabled companies to focus more on the long term and helps with costs, I would be in favor of giving companies the option to make this switch. In terms of the long-term focus, both Jamie Dimon and Warren Buffett have spoken out against not necessarily the quarterly reports, but the quarterly guidance. In a 2018 op-ed piece for the Wall Street Journal, the pair said, “In our experience, quarterly earnings guidance often leads to an unhealthy focus on short-term profits at the expense of long-term strategy, growth and sustainability.” As for the regulatory burden, I'm sure there is hope this would help entice companies to come public. There has been a huge shift in companies staying private longer and I do believe the compliance piece deters some from coming public. I'm sure there are other reasons for staying private, including control and other liquidity avenues that weren't as prominent years ago. Nonetheless, it is concerning that the number of publicly listed companies in the U.S. has fallen from more than 7,000 in 1996 to around 4,000 today.    Is your financial advisor "quiet retiring"? You may not completely understand what “quiet retiring” means, but a few years ago, my son Chase and I were on the Dr. Phil Show because they were doing an episode on what they called “quit quitting”. Chase and I were on the pro side for business and working hard, while the other side essentially felt they should still get paid the same amount and not work hard. So, I have coined the phrase, “quiet retiring”. I have been seeing this happen in the financial service industry, especially considering the fact that the average US financial advisor is 56 years old. I have noticed more of them feel they deserve to play more golf or travel more than the average person since they seem to be in retirement mode. They are not telling their clients this and they have their admin staff handle most of the routine details so you, the client, really don't know that they are not working that much behind the scenes. Hence the term "quiet retiring". Something you definitely should find out is how much your financial advisor is working? Especially if they're in their mid to late 50s because you may not have the person with the most experience watching your investments. This is very important when it comes to preparing for and weathering through difficult times. If your financial advisor is talking about retiring in the near future, be sure to understand fully what the succession plan is and who you will be dealing with. It has now been known in the industry for a few years that the average age of financial advisors is getting older and less younger advisors are coming into the industry. Be sure you understand who your financial advisor really is, who is watching your portfolio and is your investment advisor one of those that is quiet retiring?   Understand the risk of low rated bonds Some investors rightly so have started selling some stocks and they are not excited about buying more stocks at this time. As we've been saying for quite a while now, we think this is a wise move to sell some stocks that are overpriced, but unfortunately, it seems investors got used to the high returns and they have turned to low rated high-yield bonds. According to JPMorgan Chase, issuance of junk rated bonds and loans hit a monthly record of $240 billion in July. In 2025, $930 billion has been raised through junk bonds and loans. Add that to the over $1 trillion in junk bonds from 2024 and you can see that the risk for investors is starting to increase. Most investors will not buy these individual junk bonds, but they have been plowing money into the high yield mutual funds and exchange traded funds, also known as ETFs. If you dig a little bit deeper, you find some companies are raising money foolishly like a company called TransDigm Group. The company issued nearly a $5 billion high yield bond in August to pay a dividend to their shareholders. We like companies that pay dividends, but it should be from cash flow not from borrowing money that has to be paid back. Business development companies are also back in the news, and these businesses make private loans to small and midsize companies. Over the 12-month period ending in June, private loan activity increased by 33%. I have similar concerns with business development companies and private credit, which I believe will have a crash sometime in the future and cost investors more money than they anticipated. The current default rate on higher yield bonds is 4.7%, which is not bad, but it is not good either. If interest rates on the long end were to increase, which I think is a good possibility the need for debt increases. This could slow the economy and cause some of these smaller companies that have these high-yield loans to default and file bankruptcy, which means investors would lose money. It is nice to get a 10 to 20% return on your portfolio, but sometimes when things are expensive, you have to be conservative and while that may cost you some of the upside, the downside can be a lot nastier than you realize!   Financial Planning: Dealing with underwater cars About a quarter of vehicles traded in today carry negative equity, with the average shortfall around $6,500. This happens because cars depreciate quickly, and the trade-in value offered by a dealership is the lowest number you'll see—less than what you might get in a private sale, and well below the dealer's eventual resale price.  Because of this depreciation, about 40% of financed vehicles on the road carry negative equity. While it's possible to roll negative equity into a new auto loan, that often creates a deeper hole: you're financing more than the car is worth, and the new vehicle immediately begins its own depreciation cycle. Lenders may approve the loan, but the higher loan-to-value ratio can lead to higher interest rates or tighter terms. GAP insurance can be used to cover the difference between a car's actual value and what's owed in the event of a total loss, but it doesn't prevent the financial strain of trading in too early, and it comes with an extra cost. With so many vehicles underwater, the safer move for most people is to keep driving the current car until the balance catches up with its value rather than trading in and compounding the problem or bring more cash to the deal, so you don't have to finance as much.   Companies Discussed: Zillow Group, Inc (Z), Workday, Inc. (WDAY), Lyft, Inc. (LYFT) & Synopsys, Inc. (SNPS)

Squawk on the Street
SOTS 2nd Hour: Resilient Retail Sales, Schwab's Liz Ann Sonders, & Tiktok Deal Latest 9/16/25

Squawk on the Street

Play Episode Listen Later Sep 16, 2025 42:20


Another FOMC meeting kicking off today:Carl Quintanilla, Sara Eisen, and David Faber broke down a slew of new data points from consumer retail sales to new homebuilder sentiment crossing top of the hour. Charles Schwab's Chief Investment Strategist Liz Ann Sonders joined the team with her expectations - while one banks analyst broke down his top picks in the space as the big banks hit new highs. Plus: CNBC's out with our latest Fed Survey - what investors need to know this hour.  Also in focus: a potential U.S.-China Tiktok deal... Hear David Faber's exclusive reporting, and what Oracle has to do with it - along with more details on what's driving declines in shares of Warner Brothers Discovery. Plus: Eli Lilly revealing the first of 4 new manufacturing sites here in the U.S. during the hour - and CEO David Ricks talked to CNBC about the move. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Schwab Market Update Audio
Retail Sales Take Spotlight Ahead Of Fed Meeting

Schwab Market Update Audio

Play Episode Listen Later Sep 16, 2025 10:27


Markets open with investors watching retail sales for clues about consumer strength while the Fed's Wednesday policy meeting looms large.Important DisclosuresThis material is intended for general informational purposes only. This should not be considered an individualized recommendation or personalized investment advice. The investment strategies mentioned may not be suitable for everyone. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decisions.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.All names and market data shown above are for illustrative purposes only and are not a recommendation, offer to sell, or a solicitation of an offer to buy any security. Supporting documentation for any claims or statistical information is available upon request.Past performance is no guarantee of future results.Diversification and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets.Indexes are unmanaged, do not incur management fees, costs, and expenses and cannot be invested in directly. For more information on indexes, please see schwab.com/indexdefinitions.The policy analysis provided by the Charles Schwab & Co., Inc., does not constitute and should not be interpreted as an endorsement of any political party.Fixed income securities are subject to increased loss of principal during periods of rising interest rates. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors.All expressions of opinion are subject to change without notice in reaction to shifting market, economic or political conditions. Data contained herein from third party providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be guaranteed.Investing involves risk, including loss of principal, and for some products and strategies, loss of more than your initial investment.The Schwab Center for Financial Research is a division of Charles Schwab & Co., Inc.Apple Podcasts and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries.Google Podcasts and the Google Podcasts logo are trademarks of Google LLC.Spotify and the Spotify logo are registered trademarks of Spotify AB.(0130-0925) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

The Financial Exchange Show
Retail sales say the economy isn't really slowing down

The Financial Exchange Show

Play Episode Listen Later Sep 16, 2025 38:32 Transcription Available


In this episode, Mike Armstrong and Paul Lane unpack the latest economic headlines shaping markets. From robust retail sales defying slowdown fears to pivotal Federal Reserve updates, we dive deep into what's driving the economy. What's on the table?Retail Sales Surge in August – Consumers keep spending, but is it sustainable?Fed Governor Drama – Appeals Court denies Trump's bid to remove Lisa Cook, while Stephen Miran joins the Fed Board.Lower Rates & Stocks – A quick take on what cheaper borrowing means for equity investors.Fed Strategy – Why the Fed needs to tread carefully and avoid bold promises.Massachusetts' Economic Woes – A closer look at the state's struggles amid national resilience.Tune in for sharp insights and actionable analysis to navigate today's economic landscape. Subscribe now for more! #Economy #FederalReserve #Investing #RetailSales #MarketInsights

NewsWare‘s Trade Talk
NewsWare's Trade Talk: Tuesday, September 16

NewsWare‘s Trade Talk

Play Episode Listen Later Sep 16, 2025 16:48


S&P futures are higher this morning as traders look ahead to tomorrow's Fed decision, with expectations of a 25-basis-point rate cut and fresh insight from the Dot Plot outlook for 2025. Overnight, the Senate confirmed Steven Miran as Fed Governor, while a court rejected the Trump administration's bid to oust Lisa Cook. Treasury Secretary Scott Bessent unveiled a TikTok ownership framework, adding to market buzz. Today's spotlight is on Retail Sales data ahead of the bell. On earnings, Dave & Buster's (PLAY) posted a sharp revenue miss, while tomorrow brings results from General Mills (GIS) and Cracker Barrel (CRB).

TD Ameritrade Network
FOMC Meeting Begins, TikTok Takes Over Trade Talks, Retail Sales Beat

TD Ameritrade Network

Play Episode Listen Later Sep 16, 2025 4:54


There's a lot to watch on Tuesday's session, including the start of the FOMC's interest rate meeting. Kevin Hincks talks investors through everything they need to know ahead of Wednesday's decision, including the people who are set to vote on rates. He also notes a better-than-expected retail sales print showing a resilient consumer. On the international front, he tackles how TikTok is taking over trade talks between the U.S. and China.======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

TD Ameritrade Network
Holiday Season Expectations After Hotter-than-Expected Retail Sales

TD Ameritrade Network

Play Episode Listen Later Sep 16, 2025 6:03


Eric Brackmann and Ted Rossman give their takeaways from a hotter-than-expected Retail Sales report. Eric expects strong numbers to continue, noting this is the third better than expected print in a row. Ted notes that almost all sectors saw sales strength; “it does make you wonder where the money is coming from,” though. They both outline their expectations for the holiday season.======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

TD Ameritrade Network
Watching for Signs of Reinflation After Rate Cuts

TD Ameritrade Network

Play Episode Listen Later Sep 16, 2025 7:09


Edison Byzkya says the Retail Sales report may be causing concern in the market that we won't see a Fed cut tomorrow. He's looking ahead to Powell's remarks tomorrow more than the actual decision, which he expects to be a 25 basis point cut. He talks about the possibility of reinflation from rate cuts, especially if homebuyers flood the market. Edison explains what to watch in the bond market to see if reinflation ignites.======== Schwab Network ========Empowering every investor and trader, every market day. Subscribe to the Market Minute newsletter - https://schwabnetwork.com/subscribeDownload the iOS app - https://apps.apple.com/us/app/schwab-network/id1460719185Download the Amazon Fire Tv App - https://www.amazon.com/TD-Ameritrade-Network/dp/B07KRD76C7Watch on Sling - https://watch.sling.com/1/asset/191928615bd8d47686f94682aefaa007/watchWatch on Vizio - https://www.vizio.com/en/watchfreeplus-exploreWatch on DistroTV - https://www.distro.tv/live/schwab-network/Follow us on X – https://twitter.com/schwabnetworkFollow us on Facebook – https://www.facebook.com/schwabnetworkFollow us on LinkedIn - https://www.linkedin.com/company/schwab-network/ About Schwab Network - https://schwabnetwork.com/about

CNBC Business News Update
Market Midday: Stocks Lower, Fed Meeting On Interest Rates Is On With Rate Cut Expected Tomorrow, Retail Sales Better Than Expected 9/16/25

CNBC Business News Update

Play Episode Listen Later Sep 16, 2025 3:50


From Wall Street to Main Street, the latest on the markets and what it means for your money. Updated regularly on weekdays, featuring CNBC expert analysis and sound from top business newsmakers. Anchored by CNBC's Jessica Ettinger. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

Ransquawk Rundown, Daily Podcast
US Market Open: Fed nominee Miran and Governor Cook confirmed for the September meeting; DXY lower into Retail Sales

Ransquawk Rundown, Daily Podcast

Play Episode Listen Later Sep 16, 2025 4:31


US Appeals Court declined to allow Trump to remove Federal Reserve Governor Cook; Cook can attend the FOMC's September 16th-17th meeting.US Senate voted 48-47 to confirm US President Trump's Fed nominee Miran to join the Fed board.European bourses opened flat but sentiment dipped a touch to display a mostly negative picture; US equity futures are modestly firmer; NVDA little moved on reports of “lukewarm” demand for its RTX6000D AI chip.DXY in the doldrums as the clock ticks down to the FOMC; GBP was little moved to an in-line Jobs Report.USTs are essentially flat into Retail Sales and supply; Bunds pressured following ZEW and a relatively soft German auction.Crude futures slip with reports of the 19th sanctions package delayed; XAU makes a fresh ATH.Looking ahead, US Retail Sales (Aug) and Industrial Production (Aug), Import Prices (Aug), Atlanta Fed GDP, Canadian CPI (Aug) & ECB's Escriva, Supply from the US.Read the full report covering Equities, Forex, Fixed Income, Commodites and more on Newsquawk

Everyday Economics
What to watch on retail sales and housing ahead of the Fed rate decision

Everyday Economics

Play Episode Listen Later Sep 15, 2025 7:23


Join economist Dr. Orphe Divounguy and Chris Krug as they discuss the week ahead on this episode of Everyday Economics! Everyday Economics is an unrehearsed, free-flow discussion of the economic news shaping the day. The thoughts expressed by the hosts are theirs, unedited, and not necessarily the views of their respective organizations. Support this podcast: https://secure.anedot.com/franklin-news-foundation/ce052532-b1e4-41c4-945c-d7ce2f52c38a?source_code=xxxxxx Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Ransquawk Rundown, Daily Podcast
US Market Open: USTs flat & DXY lower into US NFP; NQ outperforms after Broadcom shares soar on a new AI deal

Ransquawk Rundown, Daily Podcast

Play Episode Listen Later Sep 5, 2025 4:14


US President Trump said he would be placing chip tariffs “very shortly,” which will be “fairly substantial”, but signalled Apple (AAPL) and others will be safe during his dinner with tech CEOs at the White House on Thursday, according to CNBC.US President Trump said they are going to get the war in Ukraine settled; US Defense Department said two Venezuelan military aircraft flew near a US Navy vessel in international waters.European bourses are mostly firmer but with trade tentative ahead of NFP; Broadcom +7% after strong results.USTs are incrementally firmer whilst USD dips awaiting US NFP; Gilts lead after Retail Sales.Crude was pressured but now flat pre-OPEC, Gold holds around USD 3,550/oz into the US jobs report.Looking ahead, US Jobs Report (Aug), Canadian Jobs Report (Aug).Read the full report covering Equities, Forex, Fixed Income, Commodites and more on Newsquawk

Beyond Markets
The Week in Markets: Subtle parallels with the dot-com bubble

Beyond Markets

Play Episode Listen Later Aug 18, 2025 12:12


Last week, OpenAI CEO Sam Altman said, “Are we in a phase where investors as a whole are overexcited about AI? My opinion is yes”. Altman compared the widespread interest over Artificial Intelligence today, to the “tech bubble” of the late 1990s. But, the Magnificent 7 companies' valuations today are less than half what the top five technology companies were, at the peak of the dot-com bubble.With over 90% of S&P 500 index companies having already reported their Q2 results, earnings growth is settling in at 12.0%, and the consensus forecast of 4.8% for Q3 is starting to look too low. Higher-than-expected July producer prices and nominal retail sales may both be signalling that the full impact of tariffs is yet to come. We expect producers to pass on the increased cost to consumers in the months ahead.

Friday Vibes
CPG Vibes - Episode 178 - Introducing Our New Co-Host: Gavin Konkel!

Friday Vibes

Play Episode Listen Later Aug 16, 2025 58:17


We have some surprising and sad news: Alex Bayer, our esteemed co-host and co-founder of CPG Vibes, is stepping down to focus on some personal items in his life. With someone stepping down, this means someone else needs to step up. In walks Gavin Konkel. He is the Director of Retail Sales for Be Amazing Beverage and brings a wealth of knowledge and experience both from the buying side (Fresh Thyme and Earth Fare) and also the brand side (Blackbird, TRU Drink, Be Amazing, and more)This episode we will welcome Gavin and find out more about him, what makes him tick, and what he is passionate about. You don't want to miss this historic episode! Our episode sponsor is Rich NutsInvest in them at www.wefunder.com/richnuts

The Investing Podcast
The US Takes Stake in Intel & Retail Sales | August 15, 2025 – Morning Market Briefing

The Investing Podcast

Play Episode Listen Later Aug 15, 2025 19:13


Andrew, Ben, Tom, and Pedro discuss Berkshire's recent buy of UNH, the US taking a stake in Intel, and retail sales. Song: Chillin' in Alaska - Tim HeideckerFor information on how to join the Zoom calls live each morning at 8:30 EST, visit:https://www.narwhal.com/blog/daily-market-briefingsPlease see disclosures:https://www.narwhal.com/disclosure

Shopify Masters | The ecommerce business and marketing podcast for ambitious entrepreneurs
Turning Followers into Retailers: Clubhouse Skin's Social-First Strategy

Shopify Masters | The ecommerce business and marketing podcast for ambitious entrepreneurs

Play Episode Listen Later Jul 31, 2025 27:59


How Clubhouse Skin disrupted men's skin care with bold design, clean formulas, and a transparent launch that turned followers into retail partners.For more on Clubhouse Skin and show notes click here. Subscribe and watch Shopify Masters on YouTube!Sign up for your FREE Shopify Trial here.

X22 Report
[DS] Narrative Failed, Trump Beat Them At Their Own Game, [DS] Grand Conspiracy Exposed- Ep. 3688

X22 Report

Play Episode Listen Later Jul 18, 2025 91:46


Watch The X22 Report On Video No videos found (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:17532056201798502,size:[0, 0],id:"ld-9437-3289"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");pt> Click On Picture To See Larger PictureThe [CB] system does not work for the people, today millions of Americans need to work multiple jobs to live. Retail sales rise, experts wrong again, inflation is low, tariffs are working. Trump says that tariffs are going to be used to remove the IRS and remove the income tax. Trump is pushing alternative currencies to replace the Federal Reserve Note. The [DS] narrative is falling apart. They pushed the Epstein narrative and tried to divide the MAGA party, the opposite happened. Trump has now trapped them and beat them at their own game. He has them begging for the Epstein information, he is now going to give it to them, but it's not the evidence that they want. It's going to show how the system blackmails people into doing what they want. The grand conspiracy is being exposed and the [DS] can't stop it.   Economy https://twitter.com/KobeissiLetter/status/1945857311429529743   5.5%, the third-highest in 16 years. At the same time, Americans working primary full-time and secondary part-time jobs surged by 133,000, to 5.05 million, one of the highest levels in history. As a share of employment, this metric sits at 3.1%, in line with the 2008 Financial Crisis peak. Affordability in America is rapidly declining. (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:18510697282300316,size:[0, 0],id:"ld-8599-9832"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs"); US Retail Sales rise 0.6% in June vs. 0.1% expected    Retail Sales in the US increased by 0.6% on a monthly basis to $720.1 billion in June, the US Census Bureau reported on Thursday. This reading followed the 0.9% decrease reported in May and came in better than the market expectation for an increase of 0.1%. On a yearly basis, Retail Sales were up 3.9% in June, compared to 3.3% in May. "Total sales for the April 2025 through June 2025 period were up 4.1% from the same period a year ago," the press release read. Market reaction The US Dollar preserves its strength following the upbeat Retail Sales data. At the time of press, the USD Index was up 0.55% on the day at 98.82. Source:  fxstreet.com  Peter Navarro Discusses Why Retail Sales Growth Exceeds all Wall Street Projections, and Prices Continue Dropping Retail sales growth is important because approximately two-thirds of the U.S. GDP growth is driven by consumer sales.  With inflation low, retail sales high, and with a previously reported drop in U.S. imports, the ¹second quarter GDP is likely to be much stronger than anyone previously predicted.  Thus, Peter Navarro is leaning forward against the naysayers. This is essentially a repeat of the 2017/2018 economic outcome from President Trump's first term in office.  The tariffs, which are applied to the ‘cost' side of the dynamic, are mostly being absorbed by major producing nations who are reliant upon export to the U.S. market.  Simultaneously, the tariffs are generating income – essentially exfiltrating foreign wealth and returning those funds to the USA; a complete reversal of the rust-belt dynamic. https://twitter.com/KobeissiLetter/status/1945955921030684832   over 40% of which generated at least $1 billion in revenue in China last year. Additionally, 27% of firms said they moved or plan to move some operations out of China, the most since at least 2016.

X22 Report
[DS] Strings Are Being Cut,WWIII Canceled,We Need To End The Endless To Take Back Control – Ep. 3667

X22 Report

Play Episode Listen Later Jun 17, 2025 97:33


Watch The X22 Report On Video No videos found (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:17532056201798502,size:[0, 0],id:"ld-9437-3289"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");pt> Click On Picture To See Larger PictureThe blue states destroyed their states and cities by brining in illegals. The job numbers are manipulated to make you think illegals were adding to the economy via taxes, all fake. Trump makes another tariff deal, Canada is close. [CB] are now ramping up on gold purchases, why not paper currency? Trump is now exposing and removing everything the [DS] has put into place over the many years. Trump is cutting strings of the [DS] across the world and now he is focused on Iran, soon the people of Iran will rise up and take back their country. Trump is in control of the operation, the end goal is peace. Trump is ending the endless in this country and around the world so we the people can take back control of the US. There will be no WWIII. Economy https://twitter.com/WallStreetApes/status/1934431383956672732 (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:18510697282300316,size:[0, 0],id:"ld-8599-9832"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");   Because they have to pay for all the empty buildings that are in this downtown. Building after building is empty. Shop after shop. No one's there anymore. The restaurants have closed down. And who's footing the bill? It's the people that live in Minneapolis. They're paying 20- 27% more than to cover the lease on these buildings. The taxpayers are paying for these empty buildings. Why are these buildings empty? Well, one reason why is because Governor Tim Walsh does not require federal employees to go to work here. They're still working from home. Therefore, no one's coming down here to work. Crime has went up in this city because no one's coming to work. Everyone's left. No shops are open, no restaurants are opened. This is what is happening in Minneapolis. It is actually a dying city, and it's very sad. One good thing, though, if you did come to this city, you'd actually save a lot of money because. Because there's nowhere to shop. It's a beautiful city, but it's a dying city. Governor Tim Walz, we dodged a bullet not having him as a VP.” **Quick context: The governor doesn't have authority over federal workers coming into the office, those building contracts should be terminated. Tim Walz is responsible however for all the businesses closing and the state employees that don't have to come into work US Retail Sales Tumbled In May As Gas Prices Fell, Car-Buying Stalled    And after the small 0.1% MoM rise the prior month was revised to a 0.1% MoM decline, BofA was right again with Retail Sales tumbling 0.9% MoM in May - the biggest drop since March 2023... Source: Bloomberg The big driver of downside was a drop in Gasoline Station sales - which makes some sense as gas prices have tumbled - and an even bigger drop in Auto Sales (as the tariff front running surge evaporates)...   Source: zerohedge.com https://twitter.com/KobeissiLetter/status/1934913157832822902 https://twitter.com/disclosetv/status/1934804048814735704  the Department of Homeland Security (DHS) reversed guidance issued last week, which had temporarily exempted farms, hotels, and restaurants from immigration raids. On Monday, Immigration and Customs Enforcement (ICE) officials instructed agents to resume conducting raids at these worksites, following pushback from the White House and immigration hardliners.