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      "title": "The Best Daily Financial Market Highlights - August 23rd, 2022",
      "body": "💎Happy Tuesday, Steemers!\n\n#### INFLATION\n\n- **GOLD: $1,739** *(-0.36%)*\n- **AVG GAS: $3.90**\n- **2022 CPI: 8.5%**\n*<center>Inflation numbers as of August 22nd</center>* \n\n### DIY Driving\n\n<p>\n\n![45237879.gif](https://cdn.steemitimages.com/DQmXtGn1fqJX8yn2EJFMd2dCbPWwrHHiWNywRopqyJJnGHN/45237879.gif)\n\n</p>\n\nTesla is raising prices by 25% for its Full Self-Driving, FSD, service.\n\n- As of right now, customers will pay upfront $12,000 for FSD, or choose a $199/month subscription. \n\n- On September 5th, prices will jump to $15,000. \n\n**What is FSD?** All Tesla vehicles come with “Traffic-Aware Cruise Control” and “Autosteer” which keep the vehicle in its lane and match the speed of surrounding traffic. The FSD package adds more advanced autopilot controls, like “Traffic and Stop Sign Control” and “Navigate on Autopilot”. \n\n<hr>\n \n### “I Have a Bad Feeling About This”\n\nA survey showed that 59% of Americans think student loan forgiveness is going to fan the flames of inflation.\n\n- Only 32% are in favor of complete student loan forgiveness.\n\n- Men and citizens over 65 years old were the most common demographic to be against any student loan forgiveness at all. \n\nDuring President Biden’s presidency, $32 billion in student debt has been forgiven, hardly making a dent in the enormous $1.7 trillion total. \n\nBorrowers are expecting big news this next week, including a possible $10,000 of forgiveness per borrower, and a further extension on repayments, which have been paused for two years.\n\n<hr>\n \n### Meeting of the Bankers\n\n> Jackson Hole, Wyoming - This Friday, central bankers from around the world will meet in Wyoming to talk about economies, inflation, and everything in between. The U.S. Federal Reserve's officials will be in attendance.\n\n- Chairman Jerome Powell is expected to speak.\n\n<hr>\n\n#### STOCKS \n\n- **DOW: 33,063** *(-1.91%)*\n- **S&P: 4,137** *(-2.14%)*\n- **NASDAQ: 12,381** *(-2.55%)*\n*<center>Stock numbers as of market close on August 22nd</center>*\n\n### The Final Act\n\nAMC (AMC -41.95%) tanked on Monday after another competitor warned about upcoming bankruptcy.\n\n- Regal Cinemas owner warned of potential bankruptcy.\n\n- Last week, another rival (Cineworld) said it's considering filing bankruptcy. \n\nShares of AMC sank 26% last week and 30% so far this week…\n\n**It’s no secret:** The theater industry is struggling, and things might never be the same. Since the pandemic, there have been 30% fewer movies released in theaters. \n\n> It's more expensive for theaters to own disruption rights and production companies are releasing movies directly to streaming platforms.\n\n<hr>\n \n### The Chopping Block\n\n<p>\n\n![45566.gif](https://cdn.steemitimages.com/DQmWKub2SRtxrLcypJsRVyi2UvsefED11VUBnYrakVQot4E/45566.gif)\n\n</p>\n\nFord *(F -5.04%)* is cutting 3,000 jobs, a majority in North America.\n\nThe cuts will remove 2,000 salaried positions and 1,000 agency jobs.\n\nFord is in the middle of making drastic company changes, with a goal to cut structural costs by $3 billion in the next four years.\n\n<hr>\n\n#### CRYPTO\n\n- **BTC: $21,282** *(-0.54%)*\n- **ETH: $1,624** *(+1.51%)*\n- **SOL: $35.23** *(-2.97%)*\n*<center>Crypto numbers as of 5:00 pm EST on August 22nd</center>*\n\n### The Crypto Clash\n\nThe Federal Reserve wants a digital dollar.\n\nIn fact, many lawmakers on both sides of the political spectrum are in support.\n\n**Why a digital dollar?** Taking the dollar virtual could be a crypto-friendly breakthrough. Its goal would be to transform payment systems, big banks, and the virtual asset industry itself.\n\n**Who’s against it?** Big banks and crypto brokers. They want Washington to stay away for fear of more rules and regulations on the crypto market. \n\n**How will it work?** It will be set up similar to the physical dollar; consumers would conduct transactions using digital wallets that would likely be maintained by banks.\n\n> At least 25 countries have launched or piloted their own central bank digital currencies.\n\n<hr>\n \n### Job Cuts and Renovations\n\nAfter cutting thousands of jobs last week, Crypto.com will move forward with a multimillion-dollar renovation of its premier sports arena.\n\n- Formerly known as the Staples Center, Crypto.com bought the naming rights to the building for $700 million last year.\n\nYesterday, Crypto.com tweeted its plans for renovations on the arena.\n\nExpectedly, reactions on Twitter were very mixed.\n\n<hr>\n\n#### REAL ESTATE\n\n- **15-year: 4.98%**\n- **30-year: 6.37%**\n*<center>Mortgage rates via Quicken Loans as of 5:00 pm EST.</center>*\n​​​​​\n### Recession Fears Fuel Housing Doubt\n\nThe housing market is experiencing lower sales and higher mortgage rates. \n\nThat combination has resulted in a slowdown, but other fears are giving homebuyers cold feet.\n\n**Recession:** Recession fears are impacting potential buyers - they are consuming more information about the economy and doing nothing out of fear. \n\n- The “doing nothing part” is bad for the market because they aren’t buying homes. \n\nHome builders are also starting to use that term. \n\nBuilders from the National Association of Home Builders said rising interest rates, construction costs, and supply-chain issues have brought on a “housing recession.”\n\n**(Some) Buyers on top:** In some ways, the iffy market is good for buyers with patience. Buyers are taking their time and asking for more out of sellers.\n\n> “I got one house that they gave me 37 post-home inspections requests. I almost fell off my chair. And this is a house that’s 40 years old.” - Realtor in Massachusetts.\n\n<hr>\n\n#### GLOBAL SCOOP\n\n- **VIX: (+17.67%)**\n- **WHEAT: (+0.64%)**\n- **CORN: (+0.88%)**\n*<center>Global Scoop numbers as of market close on August 22nd</center>*\n\n### Big Ben-Size Issues in Europe\n\n<p>\n\n![456789.gif](https://cdn.steemitimages.com/DQmdSPFuTymhrdzSopwWXdX3CsmWVrp2Ae9XJbJkNfHqEV8/456789.gif)\n\n</p>\n\n#### Issue #1: Energy\n\nEuropean gas prices surged over the weekend after Russia announced the shutdown of the Nord Stream 1 pipeline for maintenance. \n\n- It will be suspended from Aug. 31 to Sept. 2.\n\nThe Nord Stream pipeline is only operating at 20% of the agreed upon volume (much of Europe relies on this pipeline). \n\nRussia blamed faulty equipment for the drop in gas supplies. Some countries think the pipeline squeeze is a political maneuver by Russia.\n\nA European benchmark for natural gas trading jumped 19% on Monday.\n\n#### Issue #2: Inflation.\n\nCiti economists are predicting that U.K. inflation is on course to exceed 18% in January.\n\n- The country’s energy price cap is soaring with no end in sight.",
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      "body": "💎Happy Monday, Steemers!\n\n#### INFLATION\n\n- **GOLD: $1,754** *(-1.61%)*\n- **AVG GAS: $3.93**\n- **2022 CPI: 8.5%**\n*<center>Inflation numbers as of August 21st</center>*\n\n### Treat Yo’self \n\n<p>\n\n![445786.gif](https://cdn.steemitimages.com/DQmUT6M2MVXxxyALDtc2WcC2b6p4pkRqYZc4YLRfJ4xjZFH/445786.gif)\n\n</p>\n\nInflation has not put an end, or even pumped the brakes, on spoiling yourself. \n\nAs cost-of-living surges, and more people dip into their savings and fall into debt, 73% of adults admit most of their purchases are spontaneous impulse buys.\n\n- This is an increase from 59% one year ago.\n\n**How much are they spending?** Shoppers spend an average of $314 on impulse buys each month.\n\nRespondents are putting the blame on “Buy Now Pay Later” apps, social media, and drinking while shopping. Over 60% of respondents said they have made an impulse purchase that they regret. \n\n**In related news…** Credit card debt recently crept past $890 billion and is inching closer to its all-time high.\n\n<hr>\n\n### The FedEx Crisis\n\nFedEx Ground is dealing with severe issues due to inflation.\n\nFedEx's largest contracted (Route Consultant) said that at least one-third of its route system is on the brink of collapse.\n\n> \"We've seen our fuel prices double in a year. We've seen our wage rates up and our vehicle costs up. The risk of network interruption in FedEx Ground is as high as I've ever seen it,\" Route Consultant's president said.\n\n**The issue:** 100% of FedEx Ground drivers are contractors, not employees. Route Consultant is urging FedEx to reconsider past moves and switch the contractors’ status to franchisees. This could restore \"financial balance.\"\n\n<hr>\n\n#### STOCKS \n\n- **DOW: 33,706** *(-0.86%)*\n- **S&P: 4,228** *(-1.29%)*\n- **NASDAQ: 12,705** *(-2.01%)*\n*<center>Stock numbers as of market close on August 19th</center>*\n\n### Reinstating the Dividend\n\nGood news for General Motors (GM) investors - it's reinstating its dividend.\n\n- GM's board of directors authorized a dividend on the company’s common stock at a rate of $0.9 per share.\n\n**Definition:** A dividend is money that's typically paid quarterly by a company to its shareholders out of its profits or reserves. In this case, GM investors will see 9 cents per every share of GM they have.\n\n**Flashback:** GM, like many companies at the time, suspended its dividend at the beginning of the pandemic. Businesses cut or halted their dividend to preserve cash.\n\n- Back in April 2020, GM's dividend was $0.38 per share.\n\n<hr>\n\n### That's All Folks! \n\nCineworld *(CNWGY -45.38%)* tanked on Friday after reports it is planning to file for bankruptcy. \n\nThe British cinema chain failed to get moviegoers back into its seats after closing for many months during the pandemic.\n\n- Cineworld operates 9,000 theaters in 10 countries.\n- Ticket sales were down 30% compared to 2019.\n\n**End of the theater?** Since the pandemic, there have been 30% fewer movies released in theaters.\n\nIt's more expensive for theaters to own disruption rights and production companies are releasing movies directly to streaming platforms.\n\n<hr>\n\n#### MIND BREAK\n\n**Random Fact of the Day:** A car that shifts manually gets 2 miles more per gallon of gas than a car with an automatic shift.\n\n![122122.gif](https://cdn.steemitimages.com/DQme5o4PQHBJoJ2sasFAA766M3vcboyjpyfGJyNqQ8qohda/122122.gif)\n\n<hr>\n\n#### REAL ESTATE\n\n- **15-year: 4.98%**\n- **30-year: 6.25%**\n*<center>Mortgage rates via Quicken Loans as of 5:00 pm EST.</center>*\n​​​​​\n### 🔓 Commitment Issues\n\nWarning to sellers: Homebuyers are backing out of deals at record-high rates.\n\n- Last month, 63,000 home-purchase contracts were scrapped. \n\n- This adds up to 16.1% of all the homes that went under a written agreement.\n\n**What’s the reason?** Lack of competition. Usually, buyers wrap up their purchase ASAP so someone else doesn’t come along and make a better offer.\n\nBut, with less competition on the market, buyers can take their time, check out other options, and let the seller squirm before actually buying, or backing out.\n\n**Mortgage rates aren’t helping either.** Over the last few months, rates have gone from 3% to well over 5%. Buyers who started shopping around at the beginning of summer may not be able to afford the same property as before.\n\n<hr>\n\n#### CRYPTO\n\n- **BTC: $21,459** *(+1.42%)*\n- **ETH: $1,622** *(+0.89%)*\n- **SOL: $36.35** *(+1.28%)*\n*<center>Crypto numbers as of 5:00 pm EST on August 21st</center>*\n\n### Swept Under the Rug\n\nCrypto.com is trying to be sneaky so investors don't panic.\n\nIn June, the crypto app announced it was laying off 5% of its workforce due to a widespread turnaround of the market.\n\nIn the past month, reports indicate that Crypto.com has continued to lay people off - and these new layoffs haven't been publicized. \n\n> **What was Crypto.com's response?** \"I want you to understand that this is a private company, and we don’t have to follow the public U.S. company playbook.\"\n\n**Why does it matter?** It IS public knowledge that the crypto market is struggling in 2022. Brokerages and crypto platforms are doing everything in their power to minimize losses and come out on the other side. We will likely keep seeing layoffs as smaller brokerages get lost in the fray.\n\n<hr>\n\n### More Leaky Stats\n\nFTX is another popular crypto brokerage with something to hide.\n\nRecently, its 2020 - 2021 numbers leaked and revealed some massive figures.\n\n- FTX's revenue shot up +1,000% during the crypto craze.\n\nIts revenue went from below $90 million in 2020 to more than $1 billion last year as cryptocurrencies hit an all-time high. \n\n<hr>\n\n#### GLOBAL SCOOP\n\n- **VIX: (+5.32%)**\n- **WHEAT: (+0.01%)**\n- **CORN: (+1.29%)**\n*<center>Global Scoop numbers as of market close on August 19th</center>*\n\n### More Supply Chain Issues\n\nTwo major trade lanes for U.S. shippers are under pressure this peak season.\n\n- Shanghai factories have suspended production due to power rationing.\n- Sichuan is also closed due to government power rationing.\n\nSichuan, China is home to large lithium producers - think chips.\n\n**What's halting production?** A record heatwave in China has shut down key manufacturing. The government is trying to ration its power to deal with extreme temperatures. The growing backlog of imports is expected to continue into the first quarter of 2023. \n\n<hr>\n\n### Hey, That Logo Looks Familiar! \n\nStarbucks, err we mean Star Coffee, reopened in Russia.\n\n- Back in February, the coffee chain banned Russia from using its logo and closed its stores. Many companies banned business in Russia shortly after its invasion of Ukraine.\n\nThe Moscow rapper Timati and businessman Anton Pinskiy rebranded the company with a new(ish) logo and opened up its doors to the public last week.\n\n> \"People's perceptions may be different,\" said Pinskiy. \"But if you compare directly, apart from the circle, you won't find anything in common.\"\n\n*<center>You be the judge...</center>*\n\n![4455687.jpg](https://cdn.steemitimages.com/DQme7Y2cUW4XSeAzoHHwH58oEHghczc4s37mhRH4K9aNLtn/4455687.jpg)",
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      "body": "GST is only applicable in INDIA, not in the rest of the world. Europe has VAT as equivalent tax.",
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      "title": "The Best Daily Financial Market Highlights - August 21st, 2022",
      "body": "💎**Happy Sunday, Steemers!** We have a wild Highlight for you today (memes galore), but first - an update on the market.\n\n- The stock market took a dive for the first time in four weeks.\n\n**Why?** Rate hike fears resurfaced to the top after the Fed released notes from its most recent policy meeting - we’re not out of the woods yet!\n\n<hr>\n\n#### INFLATION\n\n### Are We Reaching the Peak?\n\n<p>\n\n![4444444.gif](https://cdn.steemitimages.com/DQmf96HwFiHZMRbQgFaxShmM2tXDmdMWNCZdC6S9tGv8XFd/4444444.gif)\n\n</p>\n\n**The great debate:** Has inflation peaked, or was July just a good month? \n\nIt might be a little bit of both.\n\n- July’s consumer prices came in at a better-than-expected level. \n\n- Food prices are dropping but remain super inflated compared to 2019.\n\nLet’s look on the bright side - no Sunday scaries here.\n\n**Here are 10 common consumer items where prices are falling:**\n\n- 🐔Boneless chicken: -23.6%\n- 🧈Butter: -13%\n- 🥚12 large white eggs: -9.3%\n- 🚗Car rentals: -9.5%\n- ⛽A gallon of gas: -8%\n- ✈ Airline tickets: -7.8%\n- 🌭Hot dogs: -6.1%\n- 🍅Tomatoes: -2.5%\n- 🐮A gallon of milk: -2.5%\n- 🏨Hotels: -3.2%\n\n<hr>\n\n#### SUNDAY CARTOONS\n\n### Another Meme Stock Saga\n\n<p>\n\n![55555.png](https://cdn.steemitimages.com/DQmbWG6j7GT25NAgZPgoczShMJUGywS7Qz5HMjcMSk352qb/55555.png)\n\n</p>\n\nBed Bath & Beyond (BBBY) has seen the best and worst of times in the past two weeks.\n\n**Why BBBY?** Similar to the GameStop saga, retail investors on Reddit’s r/Wallstreetbets found a hole in the system. Bed Bath & Beyond is a heavily shorted stock, meaning hedge funds are betting against it hard.\n\nSo, thousands of investors banded together to squeeze the stock.\n\nThe results were mixed; some investors made out like bandits, and some missed the boat.\n\n- At one point last week, BBBY shot up to $28.\n- BBBY ended the week at $11.03.\n\nAfter Ryan Cohen (investor with a huge stake) sold off, things turned sour. \n\n**Highlights:** A student made $110 million trading Bed Bath & Beyond.\n\n**Lowlights:** Many Redditors aren’t afraid to post their losses on the subreddit:\n\n<p>\n\n![5478965.png](https://cdn.steemitimages.com/DQmb1Cxapm9HYdLgND5VyWAeGqWifggRCHwLYYbR2qZVk6F/5478965.png)\n\n</p>\n\n**Moral of the story:** Don’t “YOLO” your life savings into a stock just because someone on the internet says you could make fast money - you might end up on the wrong side of the coin.\n\n<hr>\n\n#### MIND BREAK\n\n### Battle of the Billionaires\n\nWho would win in an arm wrestle? Elon Musk vs Mark Zuckerberg.\n\n<p>\n\n![4557895.png](https://cdn.steemitimages.com/DQmTbi8Ji1U5oqxs2pQA6TzaNk9LyrksSj1y6QdRCzATVvv/4557895.png)\n\n</p>\n\n*Despite the height and weight difference, we’re going with Zuckerberg - it’s tough to beat robotic strength.*\n\n<hr>\n\n#### RECESSION\n\n### Ask a CEO\n\n**Will the U.S. economy avoid a recession?**\n\n- 3% of corporate executives said \"yes\".\n\nThe other 97% are bracing for a recession — or they at least think the U.S. economy is already in one, according to a new survey. \n\n**A growing consensus:** Many companies and executives feel the Federal Reserve will trigger a recession as it battles inflation with more and more aggressive interest rate hikes.\n\n<hr>\n\n#### CURRENCY\n\n### The Dollar's Rebound\n\nThe U.S. dollar had its biggest weekly gain since April 2020.\n\nThe Euro was down 0.54% to $1.0034 against the dollar, which put it back near even with the greenback.",
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      "body": "This is a one-time notice from SCHOOL OF MINNOWS, a free value added service on steem.\nGetting started on steem can be super hard on these social platforms 😪 but luckily there is some communities that help support the little guy 😊, you might like school of minnows, we join forces with lots of other small accounts to help each other grow! \nFinally a good curation trail that helps its users achieve rapid growth, its fun on a bun! check it out. https://plu.sh/somland/",
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      "body": "@@ -1529,16 +1529,17 @@\n  7.6%25.%0A%0A\n+*\n *Inflati\n@@ -1840,16 +1840,18 @@\n  less.%0A%0A\n+**\n Can%E2%80%99t re\n@@ -1855,16 +1855,18 @@\n  relate.\n+**\n  Starbuc\n@@ -3150,17 +3150,17 @@\n ually.%0A%0A\n--\n+*\n (Update:\n@@ -3951,16 +3951,18 @@\n costs.%0A%0A\n+%3E \n %E2%80%9C2022 ha\n@@ -6607,16 +6607,19 @@\n me know \n+in \n the comm\n",
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      "title": "The Best Daily Financial Market Highlights - August 19th, 2022",
      "body": "💎**Happy Friday, Steemers!** And TGIF. 🎉 \n\n**Mom money.** Russia is paying women over $15,000 if they have at least ten children - Yes, you read that right.\n\nSome side hustles are stranger than others. (Full story below)\n\n<hr>\n\n#### INFLATION\n\n- **GOLD: $1,772** *(-0.23%)*\n- **AVG GAS: $3.93**\n- **2022 CPI: 8.5%**\n*<center>Inflation numbers as of August 18th</center>*\n\n### Slow And Steady\n\n<p>\n\n![1245788.gif](https://cdn.steemitimages.com/DQmNjV9ZFqrUqv1z1esbiRd5JhjqhB9AJcGrsQahB8TXiRY/1245788.gif)\n\n</p>\n\nUnemployment rates are slowly falling back down. \n\n- Initial jobless claims dropped to 250,000, lower than the 260,000 estimate. \n\n- Continuing claims nudged a little bit higher to 1.437 million. \n\n**There’s still work to do.** Despite the drop in unemployment claims, the Fed is still working to cool off the labor market, where there are currently two job openings per every potential worker. \n\nThe increase of layoffs and slowdown in hiring, especially in the tech sector, could still spell trouble for unemployment numbers through the rest of the year.\n\n <hr>\n\n### Tip Your Waitress\n\nInflation may have forced people to cut their spending, but tipping servers remains a priority. \n\n- Restaurant-goers tipped an average of 19.6% at full-service restaurants, the same rate as one year ago.\n\n- Quick service restaurant and delivery orders’ tip rates remained unchanged too, averaging at 16.9% and 14.5%, respectively.\n\nThe average tip amount rose 10% year over year, with the cost of restaurant/takeout food rising 7.6%.\n\n*Inflation is still making its impact.** Tip rates may have not changed, but the customer demographic has. \n\n- Chain restaurants like McDonald's *(MCD -0.09%)* and Chipotle *(CMG +0.31%)* reported more frequent visits from higher-income customers, while lower-income customers are spending and visiting less.\n\nCan’t relate. Starbucks *(SBUX +0.23%)* says it hasn't seen a change in customer spending or frequency despite rising prices. Coffee remains a non-negotiable necessity.\n\n<hr>\n\n#### STOCKS \n\n- **DOW: 33,999** *(+0.05%)*\n- **S&P: 4,283** *(+0.23%)*\n- **NASDAQ: 12,965** *(+0.21%)*\n*<center>Stock numbers as of market close on August 18th</center>*\n\n### The Ryan Cohen Conundrum\n\nThis week has been up and down for the world’s hottest meme stock.\n\nInvestors on R/Wallstreetbets tried to hold the line on Bed Bath & Beyond *(BBBY -19.63%)* while hedge funds tried to cover their shorted position.\n\n**Why the drop on Thursday?** Ryan Cohen.\n\n**Backstory:** Ryan Cohen is the former CEO of Chewy. He recently revealed an 11.8% stake in the heavily shorted Bed Bath & Beyond (9.5 million shares). \n\nHis enthusiasm inspired Redditors to “full send” on BBBY - they like the stock.\n\n**Is he selling?** Various publications announced that Ryan Cohen filed to sell his entire stake in the meme stock - BBBY tanked Thursday morning as a result.\n\n**Truth:** Ryan Cohen filed a Form 144. \n\n**Breakdown:** As a company insider, Cohen needs to file a Form 144 for permission to sell shares and options. That does not mean he has or will make a sale, but he legally must do this in order to sell a large amount eventually.\n\n-(Update: Ryan Cohen ended up OFFICIALLY selling his entire stake - the news broke after hours and BBBY dropped -40%).*\n\n \n### Eh, Let’s Blame Inflation\n\nKohl’s *(KSS -7.72%)* rounded out retail earnings by blaming inflation - classic.\n\nKohl’s beat expectations for the quarter, but the bar was set pretty low.\n\n**The trends:**\n\n- Middle-income Kohl’s customers have been pressured by higher inflation. \n\n- Foot traffic has decreased and sales of apparel and shoes have shrunk.\n\n- Customers are spending less per transaction and buying less-expensive brands. \n\n**The difference:** This week, Target and Walmart had mixed earnings reports - but they see a rebound in the near future. Kohl’s on the other hand slashed its financial forecast for the rest of the year and said it will cut back on costs.\n\n“2022 has turned out to be very different than we anticipated,” - Kohl’s CEO.\n\n<hr>\n\n#### GLOBAL SCOOP\n\n- **VIX:** *(-1.86%)*\n- **WHEAT:** *(-4.16%)*\n- **CORN:** *(+0.49%)*\n*<center>Global Scoop numbers as of market close on August 18th</center>*\n\n### A Bloated Turkey\n\n<p>\n\n![114422.gif](https://cdn.steemitimages.com/DQmYDnUPzJNUFXwXA6DBRvGV6ASuPT7eAr2UuSbFUM7jpQB/114422.gif)\n\n</p>\n\nWe haven’t heard too much of this in 2022; The central bank cut rates.\n\nTurkey’s central bank cut its interest rate despite inflation near 80%.\n\n- Its main policy rate, which had been at 14% for the last seven months, was cut to 13%. \n\nTurkey’s currency slid 0.9% against the dollar. It’s trading at more than 18.1 to the dollar and is closing in on a record low.\n\n**What’s going on?** Turkey has remained very open to Russian business. Many experts fear that Turkey has plenty of cash in its pockets from Russia. That’s why the Turkish government thinks it can cut rates, hold their currency, and ignore consumer prices.\n\n<hr>\n \n### An Aging Population\n\nRussia is coming to terms with an aging population. \n\nSo, it's making a strange offer in order to bring the average age down.\n\n**The offer:** Russia is offering the “Mother Heroine’ medal and $16,800 to women if they have 10 children (that’s it?). It comes with stipulations; all children must be raised with an “appropriate level of care” and they must all be alive, aside from those killed in military service.\n\nThe country’s declining and aging population is likely to hurt growth in the coming decades.\n\n- The Russian population fell by a record 86,000 people a month from January to May.\n\n- Russia has been facing an economic challenge from a declining and aging population, which has accelerated since its invasion of Ukraine.\n\n<hr>\n\n#### CRYPTO\n\n- **BTC: $23,363** *(+0.13%)*\n- **ETH: $1,873** *(+1.72%)*\n- **SOL: $40.89** *(-0.45%)*\n*<center>Crypto numbers as of 5:00 pm EST on August 18th</center>*\n\n### It Was Good While It Lasted\n\nBitcoin ran out of steam, already erasing the gains it made earlier in the week.\n\nSunday night, the world’s biggest crypto crossed over $25,000 for the first time in over two months.\n\n**This was a pretty big deal.** Bitcoin had been staying in the $20,000 - $24,000 range for months without making any dramatic breakthrough.\n\n**What’s changed?** After reports that inflation may be calming down, stocks and crypto both jolted, but the hype doesn’t seem to be sticking. \n\nBitcoin is 70% below its all-time high of $69,000 in November last year. The crypto market’s meltdown earlier this year has shed over $2 trillion this year.\n\n*Are you still buying crypto? Let me know the comments.*\n\n<hr>\n\n#### REAL ESTATE\n\n- **15-year: 4.86%**\n- **30-year: 5.46%**\n*<center>Mortgage rates via Quicken Loans as of 5:00 pm EST.</center>*\n\n### Tax Dodgers\n\nWealthy Americans, making at least $200,000 or more per year, are fleeing high-taxed states and migrating down South. \n\n**Where are they leaving?** New York, California, Illinois, and Massachusetts had the highest amount of high-earner outflow, running between 2,000-19,000 movers per state.\n\n**Where are they going?** Florida. The Sunshine State has the lowest tax burden of 5.75%, and has welcomed 20,000 high earner migrants - The most of any other state. \n\n🌞 **Here comes the sun.** Nine out of the ten states reporting the highest influx of high-income households are located in the Sunbelt.\n\n <hr>\n\n### Housing Market Drought \n\nHome sales are down 20% this year, suggesting the housing market has fallen into a recession. \n\n- In July, sales plummeted by 6% to a rate of 4.81 million units sold.\n\n- This is the slowest pace since 2015. \n\nSupply is tight, prices are high, demand is dying off; The chief economist for the Realtors believes these factors confirm the housing market is in a recession. \n\n**Why?** Builders aren’t building. There were only 1.31 million homes for sale, or a 3.3 month supply, by the start of August. \n\n**We’re in a pickle.** Lack of houses means higher prices, and higher prices are pushing away buyers. More supply could help level out the playing field, but homebuilder sentiment just fell into the negatives this month.",
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      "title": "The Best Daily Financial Market Highlights - August 18th, 2022",
      "body": "💎**Happy Thursday, Steemers!** Bed Bath & Beyond (BBBY) continued its rally yesterday - it jumped another 11% and is up nearly +400% this month!  \n\n### What else is in today’s Financial Market Highlights?\n\n- Amazon is raising fees.\n- Target misses wide left.\n- Another crypto CEO takes a hike.\n\n<hr>\n\n#### STOCKS \n\n- **DOW: 33,980** *(-0.50%)*\n- **S&P: 4,274** *(-0.72%)*\n- **NASDAQ: 12,938** *(-1.25%)*\n*<center>Stock numbers as of market close on August 17th</center>*\n\n<hr>\n\n### Just a Bit Outside\n\n<p>\n\n![121455.gif](https://cdn.steemitimages.com/DQmPxvBpz2vsW5ceev9aqDLxxH92p82Ew2hMcynrN3Bp6ap/121455.gif)\n\n</p>\n\nIt was a rough day for Target *(TGT -2.77%)* after it missed by a long shot.\n\n- Earnings per share: $0.39 vs. $0.72 expected.\n\n- Revenue: $26.04 billion vs. $26.04 billion expected.\n\nThe most alarming news was the retailer’s profit plunge; quarterly profit fell nearly 90% from a year ago! Target missed the mark even after lowering guidance twice earlier this year.\n\n**Another shot:** Target is a mainstay in the retail world, so this isn’t the end. Executives assured investors that a rebound is likely as it gets back on track for the rest of the year.\n\nLast year’s numbers were bloated from extra money consumers had in their pockets and this year’s numbers have been hurt by inflation and rising prices.\n\n<hr>\n\n### At a Lowe Point\n\nLowe’s *(LOW +0.54%)* shared a similar story to Target, but it wasn’t as bad.\n\nThe home improvement retailer beat on earnings but missed on revenue.\n\n- Sales were hurt by lower demand for seasonal products like patio furniture and grills. Demand for \"pandemic” items like freezers and refrigerators also dropped.\n\nLowe’s saw an increase in sales to professionals such as contractors and electricians.\n\n<hr>\n\n### To Infinity and (Bed Bath) Beyond! \n\nShares of Bed Bath & Beyond are surging on an apparent short squeeze.\n\n- At one point in yesterday's trading session, the stock was up 30%.\n\n**Deja Vu:** Remember the GameStop saga? This is similar. Redditors are going all in on BBBY in order to squeeze out the hedge funds - diamond hands only.\n\n\n![1247878.png](https://cdn.steemitimages.com/DQmUncvk3rYmKDDd8sgLsviEFw9fF7DiAVs1ALYTSjyuis3/1247878.png)\n\n<hr>\n\n#### INFLATION\n\n- **GOLD: $1,764** *(-0.61%)*\n- **AVG GAS: $3.94**\n- **2022 CPI: 8.5%** \n*<center> Inflation numbers as of August 17th </center>*\n\n<hr>\n\n### Amazon (AMZN) Raises the Roof\n\n<p>\n\n![5778945.gif](https://cdn.steemitimages.com/DQmZEcqJm9dxEQeJwp2uorguah4iFuqoUQnuL5gqQ5S1D3i/5778945.gif)\n\n</p>\n\nDon’t be happy, it’s not a good thing.\n\nAmazon announced a series of raises to seller fulfillment fees.\n\n**What does that mean?** Third-party sellers who use Fulfillment by Amazon will have to pay 35 cents per item sold in the U.S. or Canada. Fulfillment by Amazon (FBA) is a way for smaller businesses to use Amazon’s services for packaging and shipping. \n\nThe increases will take place from October 15th through January 14th - aka the holiday season. It’s the first time in Amazon's history that it raised fees for the holidays. \n\n- “Our selling partners are incredibly important to us, and this is not a decision we made lightly,” Amazon said in the email.\n\n<hr>\n \n### Retail Sales = Flat\n\nInflation cooled slightly in July with gas prices leading the fall. Lower fuel costs allowed consumers to spend their money elsewhere.\n\nJuly provided some respite from inflation pressures, and the decline in fuel costs particularly allowed consumers to spend elsewhere.\n\n- Retail and food sales (excluding gasoline) rose +0.7% from a month ago.\n\n<hr>\n\n#### CRYPTO\n\n- **BTC: $24,061** *(-2.30%)*\n- **ETH: $1,847** *(-1.82%)*\n- **SOL: $41.02** *(-4.98%)*\n*<center>Crypto numbers as of 5:00 pm EST on August 17th </center>*\n\n### Job Cuts and Stepdowns\n\nGenesis is another crypto brokerage that has succumbed to the crypto winter.\n\nYesterday, Genesis announced two major updates:\n\n- Its CEO Michael Moro is stepping down.\n\n- It is eliminating 20% of its workforce.\n\nGenesis is one of the largest and best-known lenders in digital assets.\n\nUnfortunately, the crypto market’s value has plunged 50% this year to about $1.1 trillion.\n\n> Like others before it, Genesis said the changes are necessary to “affirm their commitment to success” - crypto executives are starting to sound like a broken record.\n\n<hr>\n\n#### GLOBAL SCOOP\n\n- **VIX:** *(+1.68%)*\n- **WHEAT:** *(-0.53%)*\n- **CORN:** *(+0.74%)*\n*<center>Global Scoop numbers as of market close on August 17th </center>*\n\n### Norway’s Poor First Half\n\nThe largest sovereign wealth fund in the world (Norway) lost $174 billion in the first half of the year.\n\n**What is a sovereign wealth fund?** It is a country or state-owned investment fund that invests in financial assets like stocks, bonds, real estate, precious metals, etc.\n\n**Why the drop?** Stock markets had a rough six months. The $1.3 trillion fund returned a negative 14.4% during the period.\n\n<hr>\n \n### Shifting Gears\n\nApple is in talks to move the production of various products to Vietnam.\n\n**What products?** Apple Watches, HomePods, and MacBooks.\n\n**Why the shift?** Apple has dealt with supply chain disruptions because of Covid-lockdowns in China, so it has been looking to expand production elsewhere.\n\n- Apple has already started making AirPods in Vietnam.\n\n<hr>\n\n#### REAL ESTATE\n\n- **15-year: 4.92%**\n- **30-year: 6.12%**\n*<center>Mortgage rates via Quicken Loans as of 5:00 pm EST. </center>*\n​​​​​\n### Big Summer Blowout\n\nThe Bay Area is on the clearance rack. Price reductions in the region surged 200% this year while sales dropped by 38%. \n\n- Only 57% of homes in the area sold above the asking price this month, down from 73% back in April. \n\n**Hot and cold:** Last summer, the Bay Area’s housing market was red hot with its high demand and low-interest rates, but rates have since doubled over the past year. \n\n<hr>\n \n### Losing Interest\n\nMortgage demand fell to a 22-year low last week.\n\n- Total mortgage demand dropped 2%, while applications for a mortgage dipped 1%.\n\n- Applications for a mortgage are now 18% lower than last summer. \n\n**Why?** High-interest rates have slowly been scaring more and more buyers away. Looming fears of an economic downturn have also prevented an uptick in demand.",
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      "body": "💎**Happy Thursday, Steemers!** Bed Bath & Beyond (BBBY) continued its rally yesterday - it jumped another 11% and is up nearly +400% this month!  \n\n### What else is in today’s Financial Market Highlights?\n\n- Amazon is raising fees.\n- Target misses wide left.\n- Another crypto CEO takes a hike.\n\n<hr>\n\n#### STOCKS \n\n- **DOW: 33,980** *(-0.50%)*\n- **S&P: 4,274** *(-0.72%)*\n- **NASDAQ: 12,938** *(-1.25%)*\n*<center>Stock numbers as of market close on August 17th</center>*\n\n<hr>\n\n### Just a Bit Outside\n\n<p>\n\n![121455.gif](https://cdn.steemitimages.com/DQmPxvBpz2vsW5ceev9aqDLxxH92p82Ew2hMcynrN3Bp6ap/121455.gif)\n\n</p>\n\nIt was a rough day for Target *(TGT -2.77%)* after it missed by a long shot.\n\n- Earnings per share: $0.39 vs. $0.72 expected.\n\n- Revenue: $26.04 billion vs. $26.04 billion expected.\n\nThe most alarming news was the retailer’s profit plunge; quarterly profit fell nearly 90% from a year ago! Target missed the mark even after lowering guidance twice earlier this year.\n\n**Another shot:** Target is a mainstay in the retail world, so this isn’t the end. Executives assured investors that a rebound is likely as it gets back on track for the rest of the year.\n\nLast year’s numbers were bloated from extra money consumers had in their pockets and this year’s numbers have been hurt by inflation and rising prices.\n\n<hr>\n\n### At a Lowe Point\n\nLowe’s *(LOW +0.54%)* shared a similar story to Target, but it wasn’t as bad.\n\nThe home improvement retailer beat on earnings but missed on revenue.\n\n- Sales were hurt by lower demand for seasonal products like patio furniture and grills. Demand for \"pandemic” items like freezers and refrigerators also dropped.\n\nLowe’s saw an increase in sales to professionals such as contractors and electricians.\n\n<hr>\n\n### To Infinity and (Bed Bath) Beyond! \n\nShares of Bed Bath & Beyond are surging on an apparent short squeeze.\n\n- At one point in yesterday's trading session, the stock was up 30%.\n\n**Deja Vu:** Remember the GameStop saga? This is similar. Redditors are going all in on BBBY in order to squeeze out the hedge funds - diamond hands only.\n\n\n![1247878.png](https://cdn.steemitimages.com/DQmUncvk3rYmKDDd8sgLsviEFw9fF7DiAVs1ALYTSjyuis3/1247878.png)\n\n<hr>\n\n#### INFLATION\n\n- **GOLD: $1,764** *(-0.61%)*\n- **AVG GAS: $3.94**\n- **2022 CPI: 8.5%** \n*<center> Inflation numbers as of August 17th </center>*\n\n<hr>\n\n### Amazon (AMZN) Raises the Roof\n\n<p>\n\n![5778945.gif](https://cdn.steemitimages.com/DQmZEcqJm9dxEQeJwp2uorguah4iFuqoUQnuL5gqQ5S1D3i/5778945.gif)\n\n</p>\n\nDon’t be happy, it’s not a good thing.\n\nAmazon announced a series of raises to seller fulfillment fees.\n\n**What does that mean?** Third-party sellers who use Fulfillment by Amazon will have to pay 35 cents per item sold in the U.S. or Canada. Fulfillment by Amazon (FBA) is a way for smaller businesses to use Amazon’s services for packaging and shipping. \n\nThe increases will take place from October 15th through January 14th - aka the holiday season. It’s the first time in Amazon's history that it raised fees for the holidays. \n\n- “Our selling partners are incredibly important to us, and this is not a decision we made lightly,” Amazon said in the email.\n\n<hr>\n \n### Retail Sales = Flat\n\nInflation cooled slightly in July with gas prices leading the fall. Lower fuel costs allowed consumers to spend their money elsewhere.\n\nJuly provided some respite from inflation pressures, and the decline in fuel costs particularly allowed consumers to spend elsewhere.\n\n- Retail and food sales (excluding gasoline) rose +0.7% from a month ago.\n\n<hr>\n\n#### CRYPTO\n\n- **BTC: $24,061** *(-2.30%)*\n- **ETH: $1,847** *(-1.82%)*\n- **SOL: $41.02** *(-4.98%)*\n*<center>Crypto numbers as of 5:00 pm EST on August 17th </center>*\n\n### Job Cuts and Stepdowns\n\nGenesis is another crypto brokerage that has succumbed to the crypto winter.\n\nYesterday, Genesis announced two major updates:\n\n- Its CEO Michael Moro is stepping down.\n\n- It is eliminating 20% of its workforce.\n\nGenesis is one of the largest and best-known lenders in digital assets.\n\nUnfortunately, the crypto market’s value has plunged 50% this year to about $1.1 trillion.\n\n> Like others before it, Genesis said the changes are necessary to “affirm their commitment to success” - crypto executives are starting to sound like a broken record.\n\n<hr>\n\n#### GLOBAL SCOOP\n\n- **VIX:** *(+1.68%)*\n- **WHEAT:** *(-0.53%)*\n- **CORN:** *(+0.74%)*\n*<center>Global Scoop numbers as of market close on August 17th </center>*\n\n###Norway’s Poor First Half\n\nThe largest sovereign wealth fund in the world (Norway) lost $174 billion in the first half of the year.\n\n**What is a sovereign wealth fund?** It is a country or state-owned investment fund that invests in financial assets like stocks, bonds, real estate, precious metals, etc.\n\n**Why the drop?** Stock markets had a rough six months. The $1.3 trillion fund returned a negative 14.4% during the period.\n\n<hr>\n \n### Shifting Gears\n\nApple is in talks to move the production of various products to Vietnam.\n\n**What products?** Apple Watches, HomePods, and MacBooks.\n\n**Why the shift?** Apple has dealt with supply chain disruptions because of Covid-lockdowns in China, so it has been looking to expand production elsewhere.\n\n- Apple has already started making AirPods in Vietnam.\n\n<hr>\n\n#### REAL ESTATE\n\n- **15-year: 4.92%**\n- **30-year: 6.12%**\n*<center>Mortgage rates via Quicken Loans as of 5:00 pm EST. </center>*\n​​​​​\n### Big Summer Blowout\n\nThe Bay Area is on the clearance rack. Price reductions in the region surged 200% this year while sales dropped by 38%. \n\n- Only 57% of homes in the area sold above the asking price this month, down from 73% back in April. \n\n**Hot and cold:** Last summer, the Bay Area’s housing market was red hot with its high demand and low-interest rates, but rates have since doubled over the past year. \n\n<hr>\n \n### Losing Interest\n\nMortgage demand fell to a 22-year low last week.\n\n- Total mortgage demand dropped 2%, while applications for a mortgage dipped 1%.\n\n- Applications for a mortgage are now 18% lower than last summer. \n\n**Why?** High-interest rates have slowly been scaring more and more buyers away. Looming fears of an economic downturn have also prevented an uptick in demand.",
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