Ultime notizie per Coeur D'Alene Bancorp (OTC:CDAB) Azioni

Coeur D'Alene Bancorp is a holding company for banks. It provides a full range of banking services to its commercial and consumer customers through its four branches serving Coeur d'Alene, Post Falls, Hayden, Kellogg, Idaho, and contiguous areas. It offers Business loans and Personal loans, home loans including consumer loans and construction loans, and also offers e-banking services including online banking, bill pay, mobile banking, and online education.

COEUR D ALENE BANCORP by Coeur D Alene Bancorp

Coeur D'Alene Bancorp

Leafly Holdings Inc (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/LFLY#NASDAQ">LFLY</a>) shares are trading lower by 49% to 73 cents Thursday afternoon after the company announced it received a Nasdaq <a href="https://www.benzinga.com/pressreleases/25/01/b43027895/leafly-announces-receipt-of-notice-of-delisting-from-nasdaq-and-transition-to-over-the-counter-mar">delisting notice</a> and will transition to the over-the-counter market.
What Else: The delisting stems from the company&#8217;s failure to meet minimum financial requirements, including $500,000 in net income from continuing operations, as outlined in Nasdaq Listing Rule 5550(b). Trading of Leafly's stock and warrants will be suspended starting January 17.
The securities are expected to trade on the OTC Pink Open Market under the symbols &#8220;LFLY&#8221; and &#8220;LFLYW&#8221; on the same day.
While this shift won&#8217;t impact the company's operations, Leafly cautions that continued market trading of its securities is not guaranteed on over-the-counter markets or elsewhere.
Read Also: <a href="https://www.benzinga.com/general/travel/25/01/43036258/polar-vortex-brings-winters-coldest-air-for-trumps-inauguration-day-what-it-means-for-utilities-retailers-energy-stocks">Polar Vortex Brings Winter&#8217;s Coldest Air For Trump&#8217;s Inauguration Day: What It Means For Utilities, Retailers, Energy Stocks</a>
According to data from&nbsp;<a href="https://benzinga.grsm.io/register174">Benzinga Pro</a>, LFLY has a 52-week high of $4.92 and a 52-week low of $0.70.

News

LFLY

Why Leafly (LFLY) Stock Is Down 49% Today

The Director of the Center for Drug Evaluation and Research (CDER) at the U.S. Food and Drug Administration (FDA) issued a notice summarizing the grounds for refusing a new drug application (NDA) submitted by Vanda Pharmaceuticals, Inc. (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/VNDA#NASDAQ">VNDA</a>) for Tradipitant for symptoms in gastroparesis.
The <a target="_blank" href="https://public-inspection.federalregister.gov/2025-01027.pdf" rel="noreferrer noopener">notice</a> offers Vanda an opportunity to request a hearing on the matter.
Also Read: <a target="_blank" href="https://www.benzinga.com/analyst-ratings/analyst-color/24/11/41692641/over-200-stock-upside-vanda-pharmaceuticals-undervalued-with-robust-portfolio-and-p" rel="noreferrer noopener">Over 200% Stock Upside &#8211; Vanda Pharmaceuticals Undervalued With Robust Portfolio And Pipeline: Analyst</a>
In September, the FDA issued a Complete Response Letter to the company. The agency disregarded the evidence provided and instead suggested that Vanda conduct additional studies with a design and duration inconsistent with the advice of key experts in the field and not appropriate based on the scientific understanding and natural <a target="_blank" href="https://www.benzinga.com/general/biotech/24/09/40941051/fda-strikes-off-vanda-pharmaceuticals-tradipitant-for-stomach-paralysis-asks-for-additional-studi" rel="noreferrer noopener">course of the disorder</a>.&nbsp;
Last week, Vanda Pharmaceuticals wrote a letter to the FDA Commissioner highlighting faulty <a target="_blank" href="https://www.benzinga.com/pressreleases/25/01/n42886503/vandas-letter-to-fda-commissioner-highlights-faulty-gastroparesis-nda-review" rel="noreferrer noopener">gastroparesis NDA review</a>.
The FDA identified:
<ul>
<li>In the 3301 Phase 3 Study (Group 1), the drug did not show a statistically significant improvement over placebo for nausea severity or other gastroparesis symptoms. Secondary measures results also lacked meaningful differences and sometimes even favored the placebo.</li>
<li>2301 Phase 2 Study: While it showed significant results for nausea at Week 4, the study had methodological flaws and inadequate data handling, reducing the reliability of its findings. Additionally, Study 3301 failed to confirm the results of Study 2301.</li>
<li>Confirmatory Evidence: Post hoc analyses and pooled data from the studies were insufficient to support efficacy claims. Other sources, such as open-label studies and unrelated motion sickness trials, could not confirm the drug&#8217;s effectiveness.</li>
<li>Safety: Data from trials were limited to 12 weeks, which is inadequate for a chronic condition like gastroparesis that requires long-term treatment. Animal and lab studies did not provide enough information to assess long-term safety risks for humans.</li>
</ul>
The FDA recommended conducting two new, well-designed clinical trials in adults with idiopathic or diabetic gastroparesis to address the deficiencies and perform a long-term toxicity study in a non-rodent species.
Vanda could either resubmit the application addressing all deficiencies, withdraw the application, or request a hearing.
In November 2024, Vanda received a formal notice of opportunity for a hearing.
Price Action: VNDA stock is down 2.45% at $4.34 at the last check on Thursday.
Read Next:
<ul>
<li><a href="https://www.benzinga.com/news/large-cap/25/01/43028181/chemical-company-dupont-electronics-business-separation-retains-water-business" target="_blank" rel="noreferrer noopener">Chemical Company DuPont Accelerates Electronics Business Separation, Retains Water Business</a></li>
</ul>

Biotech

Health Care

General

VNDA

FDA Unveils Grounds For Rejecting Vanda Pharmaceuticals Stomach Paralysis Candidate

Financial giants have made a conspicuous bullish move on Red Cat Hldgs. Our analysis of options history for Red Cat Hldgs (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/RCAT#NASDAQ">RCAT</a>) revealed 10 unusual trades.
Delving into the details, we found 60% of traders were bullish, while 40% showed bearish tendencies. Out of all the trades we spotted, 4 were puts, with a value of $189,895, and 6 were calls, valued at $259,200.
<h3>Projected Price Targets</h3>
After evaluating the trading volumes and Open Interest, it's evident that the major market movers are focusing on a price band between $9.0 and $15.0 for Red Cat Hldgs, spanning the last three months.
<h3>Volume &amp; Open Interest Development</h3>
In terms of liquidity and interest, the mean open interest for Red Cat Hldgs options trades today is 1238.38 with a total volume of 3,507.00.
In the following chart, we are able to follow the development of volume and open interest of call and put options for Red Cat Hldgs's big money trades within a strike price range of $9.0 to $15.0 over the last 30 days.
<h3>Red Cat Hldgs Option Activity Analysis: Last 30 Days</h3>
<img src="https://www.benzinga.com/files/images/story/2025/1737053158_0.png" alt="Options Call Chart" />
<h3>Significant Options Trades Detected:</h3>

<table>
<thead>
<tr>
<th>Symbol</th>
<th>PUT/CALL</th>
<th>Trade Type</th>
<th>Sentiment</th>
<th>Exp. Date</th>
<th>Ask</th>
<th>Bid</th>
<th>Price</th>
<th>Strike Price</th>
<th>Total Trade Price</th>
<th>Open Interest</th>
<th>Volume</th>
</tr>
</thead>
<tbody>
<tr>
<td>RCAT</td>
<td>PUT</td>
<td>SWEEP</td>
<td>BEARISH</td>
<td>02/21/25</td>
<td>$1.5</td>
<td>$1.3</td>
<td>$1.5</td>
<td>$9.00</td>
<td>$75.0K</td>
<td>635</td>
<td>666</td>
</tr>
<tr>
<td>RCAT</td>
<td>CALL</td>
<td>SWEEP</td>
<td>BULLISH</td>
<td>01/17/25</td>
<td>$0.6</td>
<td>$0.5</td>
<td>$0.59</td>
<td>$11.00</td>
<td>$70.8K</td>
<td>2.2K</td>
<td>1.4K</td>
</tr>
<tr>
<td>RCAT</td>
<td>CALL</td>
<td>SWEEP</td>
<td>BULLISH</td>
<td>04/17/25</td>
<td>$2.85</td>
<td>$2.7</td>
<td>$2.85</td>
<td>$10.00</td>
<td>$57.0K</td>
<td>1.7K</td>
<td>222</td>
</tr>
<tr>
<td>RCAT</td>
<td>PUT</td>
<td>SWEEP</td>
<td>BEARISH</td>
<td>02/07/25</td>
<td>$4.7</td>
<td>$4.6</td>
<td>$4.6</td>
<td>$15.00</td>
<td>$45.5K</td>
<td>198</td>
<td>0</td>
</tr>
<tr>
<td>RCAT</td>
<td>CALL</td>
<td>TRADE</td>
<td>BEARISH</td>
<td>01/16/26</td>
<td>$4.8</td>
<td>$4.3</td>
<td>$4.4</td>
<td>$15.00</td>
<td>$44.0K</td>
<td>986</td>
<td>100</td>
</tr>
</tbody>
</table>

<h3>About Red Cat Hldgs</h3>
Red Cat Holdings Inc is a military technology company that integrates robotic hardware and software to provide critical situational awareness and actionable intelligence to on-the-ground warfighters and battlefield commanders. Its mission is to enhance the effectiveness and safety of military operations domestically and globally. Red Cat's suite of solutions includes Teal Drones, developer of the Golden Eagle, a small unmanned system with the highest resolution imaging for night-time operations, and Skypersonic, a provider of unmanned aircraft for interior spaces and other dangerous environments.
After a thorough review of the options trading surrounding Red Cat Hldgs, we move to examine the company in more detail. This includes an assessment of its current market status and performance.
<h3>Red Cat Hldgs's Current Market Status</h3>
<ul>
<li>With a trading volume of 9,335,069, the price of RCAT is down by -3.99%, reaching $10.47.</li>
<li>Current RSI values indicate that the stock is may be approaching overbought.</li>
<li>Next earnings report is scheduled for 60 days from now.</li>
</ul>
Unusual Options Activity Detected: Smart Money on the Move
Benzinga Edge's Unusual Options board spots potential market movers before they happen. See what positions big money is taking on your favorite stocks. <a href="https://www.benzinga.com/premium/ideas/benzinga-edge-checkout/?t=Be8be9arja3be22bz20&amp;utm_source=benzinga-insights">Click here for access</a>.
Trading options involves greater risks but also offers the potential for higher profits. Savvy traders mitigate these risks through ongoing education, strategic trade adjustments, utilizing various indicators, and staying attuned to market dynamics. Keep up with the latest options trades for Red Cat Hldgs with <a href="https://benzinga.grsm.io/register174">Benzinga Pro</a> for real-time alerts.

Options

Markets

RCAT

Looking At Red Cat Hldgs's Recent Unusual Options Activity

High-rolling investors have positioned themselves bullish on Oklo (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/OKLO#NYSE">OKLO</a>), and it's important for retail traders to take note. 
\This activity came to our attention today through Benzinga's tracking of publicly available options data. The identities of these investors are uncertain, but such a significant move in OKLO often signals that someone has privileged information.
Today, Benzinga's options scanner spotted 14 options trades for Oklo. This is not a typical pattern.
The sentiment among these major traders is split, with 57% bullish and 28% bearish. Among all the options we identified, there was one put, amounting to $25,110, and 13 calls, totaling $2,410,355.
<h3>Predicted Price Range</h3>
Analyzing the Volume and Open Interest in these contracts, it seems that the big players have been eyeing a price window from $22.5 to $30.0 for Oklo during the past quarter. 
<h3>Analyzing Volume &amp; Open Interest</h3>
In today's trading context, the average open interest for options of Oklo stands at 2091.4, with a total volume reaching 7,305.00. The accompanying chart delineates the progression of both call and put option volume and open interest for high-value trades in Oklo, situated within the strike price corridor from $22.5 to $30.0, throughout the last 30 days.
<h3>Oklo Option Volume And Open Interest Over Last 30 Days</h3>
<img src="https://www.benzinga.com/files/images/story/2025/1737053153_0.png" alt="Options Call Chart" />
<h3>Largest Options Trades Observed:</h3>

<table>
<thead>
<tr>
<th>Symbol</th>
<th>PUT/CALL</th>
<th>Trade Type</th>
<th>Sentiment</th>
<th>Exp. Date</th>
<th>Ask</th>
<th>Bid</th>
<th>Price</th>
<th>Strike Price</th>
<th>Total Trade Price</th>
<th>Open Interest</th>
<th>Volume</th>
</tr>
</thead>
<tbody>
<tr>
<td>OKLO</td>
<td>CALL</td>
<td>SWEEP</td>
<td>BEARISH</td>
<td>03/21/25</td>
<td>$5.1</td>
<td>$4.85</td>
<td>$4.89</td>
<td>$22.50</td>
<td>$1.7M</td>
<td>5.0K</td>
<td>3.9K</td>
</tr>
<tr>
<td>OKLO</td>
<td>CALL</td>
<td>SWEEP</td>
<td>NEUTRAL</td>
<td>03/21/25</td>
<td>$3.2</td>
<td>$2.91</td>
<td>$2.93</td>
<td>$28.00</td>
<td>$145.1K</td>
<td>2.1K</td>
<td>500</td>
</tr>
<tr>
<td>OKLO</td>
<td>CALL</td>
<td>TRADE</td>
<td>BEARISH</td>
<td>03/21/25</td>
<td>$4.95</td>
<td>$4.7</td>
<td>$4.76</td>
<td>$22.50</td>
<td>$142.8K</td>
<td>5.0K</td>
<td>412</td>
</tr>
<tr>
<td>OKLO</td>
<td>CALL</td>
<td>SWEEP</td>
<td>BULLISH</td>
<td>01/16/26</td>
<td>$7.75</td>
<td>$7.4</td>
<td>$7.8</td>
<td>$30.00</td>
<td>$77.9K</td>
<td>1.5K</td>
<td>4</td>
</tr>
<tr>
<td>OKLO</td>
<td>CALL</td>
<td>TRADE</td>
<td>BEARISH</td>
<td>03/21/25</td>
<td>$5.0</td>
<td>$4.65</td>
<td>$4.75</td>
<td>$22.50</td>
<td>$52.2K</td>
<td>5.0K</td>
<td>112</td>
</tr>
</tbody>
</table>

<h3>About Oklo</h3>
Oklo Inc is developing advanced fission power plants to provide clean, reliable, and affordable energy at scale. It is pursuing two complementary tracks to address this demand: providing reliable, commercial-scale energy to customers; and selling used nuclear fuel recycling services to the U.S. market. The Company plans to commercialize its liquid metal fast reactor technology with the Aurora powerhouse product line. The first commercial Aurora powerhouse is designed to produce up to 15 megawatts of electricity (MWe) on both recycled nuclear fuel and fresh fuel.
Following our analysis of the options activities associated with Oklo, we pivot to a closer look at the company's own performance.
<h3>Where Is Oklo Standing Right Now?</h3>
<ul>
<li>Currently trading with a volume of 7,507,967, the OKLO's price is down by -0.12%, now at $24.14. </li>
<li>RSI readings suggest the stock is currently may be approaching overbought.</li>
<li>Anticipated earnings release is in 28 days.</li>
</ul>
<h3>Professional Analyst Ratings for Oklo</h3>
A total of 2 professional analysts have given their take on this stock in the last 30 days, setting an average price target of $28.5.
Unusual Options Activity Detected: Smart Money on the Move
Benzinga Edge's Unusual Options board spots potential market movers before they happen. See what positions big money is taking on your favorite stocks. <a href="https://www.benzinga.com/premium/ideas/benzinga-edge-checkout/?t=Be8be9arja3be22bz20&amp;utm_source=benzinga-insights">Click here for access</a>. 
&#x2A; An analyst from Wedbush has revised its rating downward to Outperform, adjusting the price target to $26. 
&#x2A; Maintaining their stance, an analyst from Citigroup continues to hold a Neutral rating for Oklo, targeting a price of $31. 
Options are a riskier asset compared to just trading the stock, but they have higher profit potential. Serious options traders manage this risk by educating themselves daily, scaling in and out of trades, following more than one indicator, and following the markets closely.
If you want to stay updated on the latest options trades for Oklo, <a href="https://benzinga.grsm.io/register174">Benzinga Pro</a> gives you real-time options trades alerts.

OKLO

A Closer Look at Oklo's Options Market Dynamics

Financial giants have made a conspicuous bearish move on IBM. Our analysis of options history for IBM (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/IBM#NYSE">IBM</a>) revealed 15 unusual trades.
Delving into the details, we found 33% of traders were bullish, while 53% showed bearish tendencies. Out of all the trades we spotted, 9 were puts, with a value of $431,210, and 6 were calls, valued at $465,157.
<h3>Expected Price Movements</h3>
Based on the trading activity, it appears that the significant investors are aiming for a price territory stretching from $180.0 to $250.0 for IBM over the recent three months. 
<h3>Volume &amp; Open Interest Trends</h3>
Examining the volume and open interest provides crucial insights into stock research. This information is key in gauging liquidity and interest levels for IBM's options at certain strike prices. Below, we present a snapshot of the trends in volume and open interest for calls and puts across IBM's significant trades, within a strike price range of $180.0 to $250.0, over the past month.
<h3>IBM Call and Put Volume: 30-Day Overview</h3>
<img src="https://www.benzinga.com/files/images/story/2025/1737053148_0.png" alt="Options Call Chart" />
<h3>Biggest Options Spotted:</h3>

<table>
<thead>
<tr>
<th>Symbol</th>
<th>PUT/CALL</th>
<th>Trade Type</th>
<th>Sentiment</th>
<th>Exp. Date</th>
<th>Ask</th>
<th>Bid</th>
<th>Price</th>
<th>Strike Price</th>
<th>Total Trade Price</th>
<th>Open Interest</th>
<th align="right">Volume</th>
</tr>
</thead>
<tbody>
<tr>
<td>IBM</td>
<td>CALL</td>
<td>SWEEP</td>
<td>BEARISH</td>
<td>03/21/25</td>
<td>$2.1</td>
<td>$2.0</td>
<td>$2.0</td>
<td>$250.00</td>
<td>$154.2K</td>
<td>10.3K</td>
<td align="right">775</td>
</tr>
<tr>
<td>IBM</td>
<td>CALL</td>
<td>SWEEP</td>
<td>BEARISH</td>
<td>02/21/25</td>
<td>$39.35</td>
<td>$37.95</td>
<td>$38.67</td>
<td>$180.00</td>
<td>$83.9K</td>
<td>3</td>
<td align="right">22</td>
</tr>
<tr>
<td>IBM</td>
<td>CALL</td>
<td>TRADE</td>
<td>BEARISH</td>
<td>01/17/25</td>
<td>$38.35</td>
<td>$37.25</td>
<td>$37.6</td>
<td>$180.00</td>
<td>$82.7K</td>
<td>2.2K</td>
<td align="right">22</td>
</tr>
<tr>
<td>IBM</td>
<td>CALL</td>
<td>SWEEP</td>
<td>BULLISH</td>
<td>01/17/25</td>
<td>$19.8</td>
<td>$19.5</td>
<td>$19.8</td>
<td>$200.00</td>
<td>$79.1K</td>
<td>2.4K</td>
<td align="right">55</td>
</tr>
<tr>
<td>IBM</td>
<td>PUT</td>
<td>SWEEP</td>
<td>BULLISH</td>
<td>03/21/25</td>
<td>$25.5</td>
<td>$24.8</td>
<td>$24.8</td>
<td>$240.00</td>
<td>$52.0K</td>
<td>932</td>
<td align="right">21</td>
</tr>
</tbody>
</table>

<h3>About IBM</h3>
IBM looks to be a part of every aspect of an enterprise's IT needs. The company sells software, IT services, consulting, and hardware. IBM operates in 175 countries and employs approximately 350,000 people. The company has a robust roster of 80,000 business partners to service 5,200 clients, which includes 95% of all Fortune 500. While IBM is a B2B company, IBM's outward impact is substantial. For example, IBM manages 90% of all credit card transactions globally and is responsible for 50% of all wireless connections with the world.
After a thorough review of the options trading surrounding IBM, we move to examine the company in more detail. This includes an assessment of its current market status and performance.
<h3>Current Position of IBM</h3>
<ul>
<li>With a volume of 1,353,310, the price of IBM is up 0.41% at $220.94. </li>
<li>RSI indicators hint that the underlying stock is currently neutral between overbought and oversold.</li>
<li>Next earnings are expected to be released in 13 days.</li>
</ul>
<h3>What Analysts Are Saying About IBM</h3>
2 market experts have recently issued ratings for this stock, with a consensus target price of $187.5.
Unusual Options Activity Detected: Smart Money on the Move
Benzinga Edge's Unusual Options board spots potential market movers before they happen. See what positions big money is taking on your favorite stocks. <a href="https://www.benzinga.com/premium/ideas/benzinga-edge-checkout/?t=Be8be9arja3be22bz20&amp;utm_source=benzinga-insights">Click here for access</a>. 
&#x2A; An analyst from UBS has decided to maintain their Sell rating on IBM, which currently sits at a price target of $160. 
&#x2A; An analyst from Bernstein persists with their Market Perform rating on IBM, maintaining a target price of $215. 
Options trading presents higher risks and potential rewards. Astute traders manage these risks by continually educating themselves, adapting their strategies, monitoring multiple indicators, and keeping a close eye on market movements. Stay informed about the latest IBM options trades with real-time alerts from <a href="https://benzinga.grsm.io/register174">Benzinga Pro</a>.

A Closer Look at IBM's Options Market Dynamics

"It&#8217;s tough to make predictions, especially about the future." … Yogi Berra
My firm, <a href="http://lcmcapital.com" target="_blank" rel="noreferrer noopener">LCM Capital Management</a>, has always despised the New Year since our firm's inception more than 25 years ago.  The reason: it's when our financial industry parades out their analysts, strategists, and economists, aka "experts", and tell the investing population what they believe is going to happen in the coming year.  Which stocks or sectors to own or not to own, what will happen with the economy and interest rates?  The problem is, they are almost always wrong and yet investors seem to take their guesses, and that's all they are, as Gospel.  Do your portfolio a favor, as our clients tend to do, and turn-off CNBC and all the talking heads on TV this time of year.  
These "experts," armed with complex models, historical data, and sophisticated analytics can play a role in shaping public policy and guiding business strategies and forming investment decisions. &nbsp;They project confidence in their ability to predict the future and yet, year after year, economic forecasts fall wide of the mark.
So why are economists, analysts and market strategists so often wrong, and what does this mean for those who invest based on their predictions, particularly investors nearing retirement?
Economic forecasting is inherently complex because economies are not closed systems. &nbsp;Think about our world today and how inter-connected it all is. &nbsp;The world economies are influenced by countless interdependent factors, many of which are unpredictable.&nbsp; Natural disasters, geopolitical tensions, technological disruptions, and consumer behavior, for example, all can upend even the most carefully constructed economic models.
These "experts" typically rely on historical data to project future trends. &nbsp;While history does provide valuable context, it can also be very misleading. &nbsp;As Nobel laureate Daniel Kahneman once said, &#8220;The idea that the future is unpredictable is undermined every day by the ease with which the past is explained.&#8221;
I am sure at some point you have either been told or read the following, "past performance is no guarantee of future results" and yet we often forget this.
Recent history offers several glaring examples of economists getting it wrong. &nbsp;These missteps underscore the inherent challenges of economic forecasting and the potential pitfalls of relying on predictions.
The Federal Reserve and Inflation (2021–2022) &#8211; In 2021, Federal Reserve Chair Jerome Powell famously described rising inflation as &#8220;transitory.&#8221;&nbsp; The Fed anticipated that inflationary pressures, driven by supply chain disruptions and pandemic-related stimulus, would subside quickly. &nbsp;Instead, inflation surged to multi-decade highs, forcing the Fed into its most aggressive interest rate hiking cycle in 40 years. &nbsp;At the end, when the Fed was finally done raising rates, Fed Chairman Powell said, "We now understand better how little we understand about inflation."&nbsp;
This miscalculation wasn't just a simple slip-up—it had real, lasting consequences. &nbsp;Businesses, consumers, and investors made decisions based on the Fed's assurances, only to face unexpected economic challenges as inflation persisted. &nbsp;And think about this: there are more than 400 PhD economists employed by the Federal Reserve Board and they were dead wrong as to how high, how long, and how severe inflation would be and how deep the subsequent recession would last. I am sure these are some of the brightest minds in our country and yet, even with all of the data and information at their fingertips, they were wrong. However, common sense and the lessons of the past led many "experts" to believe that the inverted yield curve caused by the Fed's unprecedented monetary tightening signaled a recession ahead.&nbsp; They were incorrect as well. &nbsp;So how possibly can someone, for example say Jim Cramer, predict what will happen this year or the next? &nbsp;He can't, and while I find Mr. Cramer sometimes entertaining, he is a journalist first and foremost.
Another recent example, as the world emerged from the COVID-19 pandemic, many economists predicted a sluggish, protracted recovery. &nbsp;Instead, global economies bounced back faster than anyone expected, thanks to an unprecedented wave of fiscal and monetary stimulus. &nbsp;Consumer spending surged, and labor markets tightened, defying predictions of a drawn-out downturn. &nbsp;During the pandemic, as tech stocks soared, many economists and analysts warned of an impending collapse akin to the dot-com bubble of the early 2000s. &nbsp;Sure, some overvalued companies took a hit, but the sector turned out to be much more resilient than expected and the S&amp;P 500 rose by over 18% that year, way above the historical average rate of return of 7.71% when adjusted for inflation and including dividends.
But let's cut these "experts" some slack, after all they are all human beings and as a result, are just as prone to mental shortcuts and biases as the rest of us. &nbsp;Confirmation bias, which is the tendency of people to favor information that confirms or strengthens their beliefs or values, is difficult to dislodge once affirmed and can lead them to favor data that supports their existing theories. &nbsp;Overconfidence bias can result in undue certainty about uncertain outcomes. &nbsp;Just to be clear, we are not believers that AI or computers etc. can do any better predicting the future. &nbsp;They can't. &nbsp;They all use historical data to help them formulate their best guesses and always remember, in the end, it is still just a guess.
So what should investors do?&nbsp; First, your New Years resolution should be to turn off CBNC or whatever your favored business channel is, or at the very least, mute it! &nbsp;By spreading your investments across asset classes, sectors, and geographies, you can help reduce your exposure to any single economic or financial outcome. &nbsp;A well-diversified portfolio can help mitigate the risks associated with inaccurate forecasts. Maintaining a long-term outlook can help you weather periods of volatility and uncertainty. &nbsp;Lastly, control what you can control. &nbsp;While you can't control inflation rates or GDP growth, you can control your TV's volume, and the fees you pay, as well as your savings rate, spending habits, and investment discipline. &nbsp;Prioritizing these factors can have a more significant impact on your financial future than any forecast. &nbsp;By realizing that the future is uncertain and focusing on what you can control, you'll be better equipped to navigate the ever-changing economic landscape as well as become a happier person.
In the end, realize that these "experts" are likely bright people with plenty of information and research available to them. &nbsp;However, they are only making an educated guess at best because if they actually knew what was going to happen, they would already be retired. &nbsp;The late founder of Vanguard, Jack Bogle, once said, "Research has no net value…no one has been able to validate that stock research has any value. If research had value, it would be called proprietary and therefore would be extremely expensive and unavailable for public viewing"
Therefore, stay informed about economic trends, but approach all predictions with a healthy dose of cynicism. &nbsp;Too often, well-informed economists' predictions are far from accurate or reliable. &nbsp;The complexity of global economies, combined with the unpredictability of human behavior and external shocks, makes accurate forecasting a near-impossible task.
Remember what the famed economist John Kenneth Galbraith once said, "There are two kinds of forecasters: those who don't know, and those who don't know they don't know."
There is a better way.
<a href="http://lcmcapital.com">LCM Capital Management</a>

Financial Advisors

Why Economists Are Always Wrong

WIIM

FARO

FARO Technologies shares are trading higher after Needham raised its price target on the stock from $26 to $34.

TIXT

TELUS International shares are trading higher after Stifel initiated coverage on the stock with a Buy rating and announced a price target of $5.

NGVT

Ingevity shares are trading higher after the company announced preliminary Q4 and FY24 financial results. Additionally, the company announced it's exploring strategic options for the performance chemical segment of the business.

DouYu International Holdings Ltd (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/DOYU#NASDAQ">DOYU</a>) shares are trading higher by 26.5% to $15.55 during Thursday&#8217;s session. The company named Simin Ren as Co-Chief Executive Officer, effective January 16. This follows the conclusion of an interim management committee established in November 2023.
Concurrently, DouYu&#8217;s board declared a <a href="https://www.benzinga.com/pressreleases/25/01/n43021800/douyu-international-holdings-limited-announces-the-appointment-of-co-ceo-and-special-cash-dividend">special cash dividend</a> of $9.94 per share, totaling approximately $300 million, to be distributed to shareholders of record by February 10, 2025, with payment expected around February 20, 2025.
What Else: Ms. Ren emphasized the company&#8217;s commitment to shareholder value, citing the dividend as part of strategic cash management and allocation efforts.
Shareholders holding American Depositary Shares will receive dividends through JPMorgan Chase Bank, N.A., subject to deposit agreement conditions.
Read Also: <a href="https://www.benzinga.com/news/25/01/43029982/whats-going-on-with-cvs-health-stock">What&#8217;s Going On With CVS Health Stock?</a>
<h2 class="wp-block-heading">How TO Buy DOYU Stock</h2>
By now you're likely curious about how to participate in the market for DouYu &#8211; be it to purchase shares, or even attempt to bet against the company.
Buying shares is typically done through a brokerage account. You can find a list of <a href="https://www.benzinga.com/money/best-stock-trading-platforms">possible trading platforms here.</a> Many will allow you to buy ‘fractional shares,' which allows you to own portions of stock without buying an entire share. For example, some stock, like Berkshire Hathaway, can cost thousands of dollars to own just one share. However, if you only want to invest a fraction of that, brokerages will allow you to do so.
If you're looking to bet against a company, the process is more complex. You'll need access to an options trading platform, or a broker who will allow you to ‘go short' a share of stock by lending you the shares to sell. The process of shorting a <a href="https://www.benzinga.com/money/how-to-short-a-stock">stock can be found at this resource.</a> Otherwise, if your broker allows you to trade options, you can either buy a put option, or sell a call option at a strike price above where shares are currently trading &#8211; either way it allows you to profit off of the share price decline.
According to data from&nbsp;<a href="https://benzinga.grsm.io/register174">Benzinga Pro</a>, DOYU has a 52-week high of $20.17 and a 52-week low of $6.29.

DOYU

Why DouYu Shares Are Exploding Higher Thursday

Good Morning Traders! In today&#8217;s Market Clubhouse Morning Memo, we will discuss SPY, QQQ, AAPL, MSFT, NVDA, GOOGL, META, and TSLA.
Our proprietary formula, exclusive to Market Clubhouse, dictates these price levels. This dynamic equation takes into account price, volume, and options flow. These levels are updated every day and shared with all Clubhouse Members, prior to the opening of the market.
We recommend closely monitoring these stocks, and be prepared to leverage potential breakouts or reversals. As always, stay alert and ready to adjust your tactics based on the market&#8217;s pulse to optimize your trading gains. Now, let&#8217;s dive into the stock analysis:
SPDR S&amp;P 500 ETF Trust 
The SPY is currently trading near our level of 593.73. For the bulls, we want to see price action sustain above this level, allowing for an initial move toward 596.57. If buyers maintain control at 596.57, the next target is 598.04, which serves as an important intraday support level. Holding this level during regular trading hours could open the door for a push toward 599.24. If momentum continues, our high bull target for the day stands at 600.51.
If 593.73 fails as support, sellers may take charge and test 592.00. Should bearish momentum build, the next downside target would be 589.71. A break below this level could lead to further selling, bringing 587.31 into play as a key support level. If the session sees heavy selling pressure, our low bear target for the day is set at 585.75.
Invesco QQQ Trust Series 1
The QQQs are currently trading near our key level of 517.97. Bulls need to maintain strength above this level to drive an initial move toward 519.87. If buyers successfully hold 519.87 as support, we anticipate further upside toward 521.15. Sustained bullish sentiment could push the auction higher to 522.57. If strength persists, our high bull target for the session is 523.91.&nbsp;
If 517.97 fails to hold as support, we expect sellers to push the price lower, first targeting 516.58. Continued weakness could see further downside movement to 515.00. If selling pressure remains strong, bears may test the next key support level at 513.64. If this level breaks, our low bear target for the day is 511.53.
Apple Inc.
Apple is currently trading around our level of 238.63. Bulls need to hold this as support to initiate a move higher toward 239.43. If this level is reclaimed as support, buyers may push the stock toward 240.23. A continued bullish trend could result in a move toward our high bull target of 241.23 for the session.
If 238.63 fails to hold, we expect sellers to test 237.49. Increased selling could push Apple lower to 236.69. If downward pressure persists, we anticipate a test of 235.74. A break below this level could lead to further downside, with our low bear target set at 234.97.
Microsoft Corp. 
Microsoft is currently trading around our level of 427.36. Bulls need to defend this level to see an upward move toward 428.48. If this level holds as support, price action may advance to 429.25. Further bullish momentum could propel Microsoft toward our high bull target of 430.25 for the day.&nbsp;
If 427.36 is lost as support, we anticipate a move lower toward 426.00. Should sellers maintain control, price could slide further to 425.16. Increased selling pressure may lead to a test of 423.81. If this level is breached, our low bear target for the session is 422.84.
NVIDIA Corporation NVIDIA is currently auctioning near our key level of 137.94. Bulls need to maintain strength above this level to drive price action toward 138.55. If this level holds as support, an extension higher to 139.42 is likely. Further buying pressure could result in a rally toward 140.28, with our high bull target set at 141.21. 
If 137.94 fails to hold, we expect sellers to test support at 136.98. Continued bearish momentum could lead to a decline toward 135.64. If this level breaks, NVIDIA may test 134.56 as the next key support. If selling persists, our low bear target for the session is 133.31.
Alphabet Inc Class A 
Alphabet is currently trading near 193.14. Bulls want to maintain support at this level to initiate a move higher toward 194.34. If buyers remain in control, we anticipate a push toward 195.41 as our high bull target for the session.&nbsp;
If 193.14 fails as support, sellers may look to drive price action lower to 192.19. Continued bearish momentum could see a test of 191.45. If selling pressure remains strong, a further decline to our low bear target of 190.41 is likely.
Meta Platforms Inc 
Meta is currently trading around our level of 609.30. Bulls need to defend this support level to see an upward move toward 615.65. A break above this resistance could open the door for a push to 622.01. Continued bullish strength may lead to a move toward our high bull target of 629.88.&nbsp;
If 609.30 is lost as support, we anticipate a move lower toward 604.50. If sellers maintain control, price action could slide further to 598.17. A break below this level may see Meta reaching our low bear target of 591.29 for the day.
Tesla Inc. 
Tesla is currently trading near our key level of 426.23. Bulls need to push price action higher to reclaim 431.50. If buying momentum persists, we expect a move toward 437.95. If broader market strength supports Tesla's price action, we could see a rally toward 448.48. A strong bullish session may bring Tesla to our high bull target of 454.90.&nbsp;
If 426.23 fails as support, we expect sellers to test 420.70. Further downside pressure could push price action to 416.62. If this level is breached, we anticipate a test of 413.10 as our low bear target for the day.
Final Word: Today&#8217;s session brings the release of December's Advance Retail Sales at 8:30 AM ET, alongside Initial and Continuing Jobless Claims. These reports will provide insight into consumer spending and labor market health. At 10:00 AM ET, the NAHB Housing Market Index for January will be released, shedding light on the housing sector's sentiment.&nbsp;
Yesterday's lower-than-expected core CPI print for December reassured investors by not stoking concerns over persistent inflation. Additionally, the UK CPI reading came in weaker than anticipated, further easing inflationary worries. Crucially, this data does not alter expectations for the Fed's preferred inflation measure, the December PCE report, which remains a key factor in upcoming monetary policy decisions. With these critical reports on deck, expect a session marked by potential volatility as traders assess the impact on market sentiment. Good luck and trade safely!
The Morning Memo is curated by RIPS, a pro trader with years of experience in equities, options, and futures trading. RIPS is at the heart of the exclusive Market Clubhouse community, offering his insights, expertise, and real-time mentorship.
Start your day with a live daily market analysis, a carefully selected watch list, early access to the Morning Memo, and exclusive Market Clubhouse price levels, providing precise support and resistance indicators. When you become a member of Market Clubhouse, you will gain early access to the Morning Memo, just like this one, every single day—hours before it&#8217;s published. You will also have access to a live stream with zero latency and screen sharing, enabling you to witness Rips executing his trades in real-time and sharing his exclusive trading plans, strategies, and live decision-making.
For a limited time during our special promotion, you can join RIPS and get a full access pass to Market Clubhouse for 7 full days for just $7. Check it out at <a href="https://marketclubhouse.club/7Days/" title="https://marketclubhouse.club/7Days/">https://marketclubhouse.club/7Days/</a> where you can trade live with him and tap into his wealth of knowledge and experience. You can also catch Rips on his live day trading streams every Monday-Friday at 8 am EST on the Market Clubhouse YouTube channel: <a href="https://www.youtube.com/@MarketClubhouse" title="https://www.youtube.com/@MarketClubhouse">https://www.youtube.com/@MarketClubhouse</a>.

Trading Ideas

Market Clubhouse Morning Memo - January 16th, 2025 (Trade Strategy For SPY, QQQ, AAPL, MSFT, NVDA, GOOGL, META and TSLA)

Keefe, Bruyette &amp; Woods analyst David Konrad reiterated an <a target="_blank" href="https://www.benzinga.com/quote/GS/analyst-ratings" rel="noreferrer noopener">Outperform rating</a> on the shares of Goldman Sachs Group Inc (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/GS#NYSE">GS</a>) and raised the price forecast to $690 from $686.
The analyst notes Goldman Sachs posted an<a target="_blank" href="https://www.benzinga.com/news/earnings/25/01/43000353/goldman-sachs-q4-earnings-equity-and-debt-underwriting-fuel-revenue-boost-assets-under-management-hit-record-314-trillion" rel="noreferrer noopener"> impressive quarterly performance</a>, fueled by substantial gains in trading and continued growth in Asset Management.
According to the analyst, trading revenue surged 33% year-over-year despite a tough comparison, with equities remaining stable quarter-over-quarter amid usual seasonal trends.
The firm&#8217;s strategy of leveraging its balance sheet was evident, with equity financing rising 16% from the previous quarter and 36% year-over-year.
While the stock remains pricey relative to historical multiples at 1.92x TBV, it is still considered an attractive option for those looking to invest in capital markets, per the analyst.
Due to robust revenues from capital markets and asset management, the analyst raises 2025 earnings estimate by $1.80 to $47.15 and 2026 earnings estimate by $0.65 to $53.00.
The analyst says there was strong demand for deal-making, with backlogs rising quarter-over-quarter.
The analyst notes that the strength in Markets was led by Equities, which stood out this quarter at $3.5 billion, surpassing expectations by $1.41 per share, driven by increased intermediation revenue from both derivatives and cash products.
Management fees reached $2.8 billion, marking a 15% increase and a $0.15 per share beat compared to KBWe&#8217;s estimates.
According to the analyst, Goldman Sachs also continued to reduce its on-balance-sheet investments, now totaling $36.5 billion.
Price Action: GS shares are trading higher by 0.88% at $611.28 at the last check Thursday.
Photo via Shutterstock.

Analyst Color

Equities

Price Target

Reiteration

Analyst Ratings

Goldman Sachs Stock May Be Pricey But Its One Of The Cheapest Ways For Investing In Capital Markets: Analyst

Investors with a lot of money to spend have taken a bullish stance on TransUnion (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/TRU#NYSE">TRU</a>).
And retail traders should know.
We noticed this today when the trades showed up on publicly available options history that we track here at Benzinga.
Whether these are institutions or just wealthy individuals, we don't know. But when something this big happens with TRU, it often means somebody knows something is about to happen.
So how do we know what these investors just did? 
Today, <a href="https://pro.benzinga.com/?utm_source=insights">Benzinga</a>'s options scanner spotted 10 uncommon options trades for TransUnion.
This isn't normal.
The overall sentiment of these big-money traders is split between 50% bullish and 40%, bearish.
Out of all of the special options we uncovered, 8 are puts, for a total amount of $722,826, and 2 are calls, for a total amount of $125,634.
<h3>What's The Price Target?</h3>
Taking into account the Volume and Open Interest on these contracts, it appears that whales have been targeting a price range from $90.0 to $100.0 for TransUnion over the last 3 months. 
<h3>Analyzing Volume &amp; Open Interest</h3>
Looking at the volume and open interest is a powerful move while trading options. This data can help you track the liquidity and interest for TransUnion's options for a given strike price. Below, we can observe the evolution of the volume and open interest of calls and puts, respectively, for all of TransUnion's whale trades within a strike price range from $90.0 to $100.0 in the last 30 days. 
<h3>TransUnion 30-Day Option Volume &amp; Interest Snapshot</h3>
<img src="https://www.benzinga.com/files/images/story/2025/1737052283_0.png" alt="Options Call Chart" />
<h3>Noteworthy Options Activity:</h3>

<table>
<thead>
<tr>
<th>Symbol</th>
<th>PUT/CALL</th>
<th>Trade Type</th>
<th>Sentiment</th>
<th>Exp. Date</th>
<th>Ask</th>
<th>Bid</th>
<th>Price</th>
<th>Strike Price</th>
<th>Total Trade Price</th>
<th align="right">Open Interest</th>
<th align="right">Volume</th>
</tr>
</thead>
<tbody>
<tr>
<td>TRU</td>
<td>PUT</td>
<td>SWEEP</td>
<td>BEARISH</td>
<td>02/21/25</td>
<td>$4.8</td>
<td>$4.7</td>
<td>$4.8</td>
<td>$95.00</td>
<td>$230.7K</td>
<td align="right">703</td>
<td align="right">481</td>
</tr>
<tr>
<td>TRU</td>
<td>PUT</td>
<td>TRADE</td>
<td>BEARISH</td>
<td>02/21/25</td>
<td>$7.6</td>
<td>$6.4</td>
<td>$7.2</td>
<td>$100.00</td>
<td>$198.0K</td>
<td align="right">550</td>
<td align="right">275</td>
</tr>
<tr>
<td>TRU</td>
<td>CALL</td>
<td>SWEEP</td>
<td>BULLISH</td>
<td>02/21/25</td>
<td>$5.8</td>
<td>$5.7</td>
<td>$5.8</td>
<td>$95.00</td>
<td>$86.4K</td>
<td align="right">576</td>
<td align="right">169</td>
</tr>
<tr>
<td>TRU</td>
<td>PUT</td>
<td>SWEEP</td>
<td>BULLISH</td>
<td>02/21/25</td>
<td>$7.5</td>
<td>$7.3</td>
<td>$7.3</td>
<td>$100.00</td>
<td>$85.4K</td>
<td align="right">550</td>
<td align="right">541</td>
</tr>
<tr>
<td>TRU</td>
<td>PUT</td>
<td>SWEEP</td>
<td>BULLISH</td>
<td>02/21/25</td>
<td>$5.1</td>
<td>$5.0</td>
<td>$5.0</td>
<td>$95.00</td>
<td>$53.6K</td>
<td align="right">703</td>
<td align="right">590</td>
</tr>
</tbody>
</table>

<h3>About TransUnion</h3>
TransUnion is one of the three leading credit bureaus in the United States, providing the consumer information that is the basis for granting credit. The company also provides fraud detection, marketing, and analytical services. TransUnion operates in over 30 countries, and about a quarter of its revenue comes from international markets.
<h3>Where Is TransUnion Standing Right Now?</h3>
<ul>
<li>With a trading volume of 460,380, the price of TRU is down by 0.0%, reaching $95.08.</li>
<li>Current RSI values indicate that the stock is may be approaching overbought.</li>
<li>Next earnings report is scheduled for 28 days from now.</li>
</ul>
Turn $1000 into $1270 in just 20 days?
20-year pro options trader reveals his one-line chart technique that shows when to buy and sell. Copy his trades, which have had averaged a 27% profit every 20 days. <a href="https://www.benzinga.com/premium/ideas/options-moneyline-2/?t=Moop1arja3be22op14&amp;utm_source=benzinga-insights">Click here for access</a>.
Options are a riskier asset compared to just trading the stock, but they have higher profit potential. Serious options traders manage this risk by educating themselves daily, scaling in and out of trades, following more than one indicator, and following the markets closely.
If you want to stay updated on the latest options trades for TransUnion, <a href="https://benzinga.grsm.io/register174">Benzinga Pro</a> gives you real-time options trades alerts.

This Is What Whales Are Betting On TransUnion

URI MOVES UP 1.3% AFTER THE ALERT
<figure class="wp-block-image size-full"><img loading="lazy" decoding="async" width="736" height="630" src="https://contributor-assets.benzinga.com/wp-content/uploads/2025/01/15212114/Screen-Shot-2025-01-15-at-4.24.28-PM.png" alt="" class="wp-image-4707" srcset="https://contributor-assets.benzinga.com/wp-content/uploads/2025/01/15212114/Screen-Shot-2025-01-15-at-4.24.28-PM.png 736w,https://contributor-assets.benzinga.com/wp-content/uploads/2025/01/15212114/Screen-Shot-2025-01-15-at-4.24.28-PM-300x257.png 300w" sizes="(max-width: 736px) 100vw, 736px" /></figure>
United Rentals Inc. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/URI#NYSE">URI</a>) experienced a power inflow, a significant event for those who follow where smart money goes and value order flow analytics in their trading decisions. 
At 10:07 AM on January 15th, a significant trading signal occurred for United Rentals, Inc. (URI) as it demonstrated a Power Inflow at a price of $735.81. This indicator is crucial for traders who want to know directionally where institutions and so-called "smart money" moves in the market. They see the value of utilizing order flow analytics to guide their trading decisions. The Power Inflow points to a possible uptrend in United Rentals&#8217;s stock, marking a potential entry point for traders looking to capitalize on the expected upward movement. Traders with this signal closely watch for sustained momentum in United Rentals&#8217;s stock price, interpreting this event as a bullish sign.
Signal description
Order flow analytics, aka transaction or market flow analysis, separate and study both the retail and institutional volume rate of orders (flow). It involves analyzing the flow of buy and sell orders, along with size, timing, and other associated characteristics and patterns, to gain insights and make more informed trading decisions. This particular indicator is interpreted as a bullish signal by active traders.&nbsp;
The Power Inflow occurs within the first two hours of the market open and generally signals the trend that helps gauge the stock&#8217;s overall direction, powered by institutional activity in the stock, for the remainder of the day.&nbsp;
By incorporating order flow analytics into their trading strategies, market participants can better interpret market conditions, identify trading opportunities, and potentially improve their trading performance. But let's not forget that while watching smart money flow can provide valuable insights, it is crucial to incorporate effective risk management strategies to protect capital and mitigate potential losses. Employing a consistent and effective risk management plan helps traders navigate the uncertainties of the market in a more controlled and calculated manner, increasing the likelihood of long-term success
If you want to stay updated on the latest options trades for URI, <a href="https://benzinga.grsm.io/register174">Benzinga Pro</a> gives you real-time options trade alerts.&nbsp;
<a href="https://benzinga.com/apis?_gl=1&#x2A;1hlgn5i&#x2A;_ga&#x2A;MTY1NjE2NTYxMi4xNzE0NzQ4MTAy&#x2A;_ga_V7ZK73W7N0&#x2A;MTcxNDc0ODEwMi4xLjEuMTcxNDc0ODQyOC4wLjAuMA..">Market News and Data are brought to you by Benzinga APIs</a> and include firms, like&nbsp; &nbsp; <a href="https://www.tradepulse.net">https://www.tradepulse.net</a>&nbsp; which are responsible for parts of the data within this article. 
&#xA9; 2024 Benzinga.com. Benzinga does not provide investment advice. All rights reserved.
After Market Close UPDATE:
The price at the time of the Power Inflow was $735.81. The returns on the High price ($745.48) and Close price ($741.59) after the Power Inflow were respectively 1.3% and 0.8%. That is why it is important to have a trading plan that includes Profit Targets and Stop Losses that reflect your risk appetite. 
Past Performance is Not Indicative of Future Results

Tradepulse Power Inflow Alert: United Rentals Inc. Reverses Early Decline After Alert And Rises Over 9 Points

Teaching children about money management early can be a powerful tool in setting them up for financial success. On a <a href="https://omny.fm/shows/suze-ormans-women-and-money/revisiting-we-re-in-our-50s-should-we-get-married">recent episode</a> of the Women &amp; Money Podcast, <a href="https://www.benzinga.com/personal-finance/25/01/42923298/suze-ormans-2025-advice-dont-let-fear-drive-your-money-moves-heres-why-patience-with-social-secu">Suze Orman</a> answered a question from an 11-year-old, Hazel, asking about how she should invest her monthly allowance.&nbsp;
Hazel explained that she earns $24 a month doing chores and is planning to start babysitting soon to earn even more. She said she already has $4,000 in a savings account and that her parents want her to open a custodial Roth IRA.&nbsp;
"I don&#8217;t want to open a custodial Roth IRA because I want to be able to use the money when I&#8217;m younger and invest in a house," Hazel wrote. "What do you think?"
Don't Miss:
<ul>
<li><a href="https://www.benzinga.com/money/suze-orman-retirement-bucket">&#8216;Which Bucket Do I Draw From First?&#8217; Suze Orman Explains To 67-Year-Old The Best Order For Tapping Into Her Retirement Accounts</a></li>
<li>Many are using retirement income calculators to check if they&#8217;re on pace —<a href="https://www.benzinga.com/money/how-do-i-calculate-my-retirement-income-adv"> here&#8217;s a breakdown on what&#8217;s behind this formula.</a></li>
</ul>
Orman applauded Hazel for her foresight and ambition and offered some advice tailored to Hazel's situation. "Yeah, you could put that into a <a href="https://www.benzinga.com/personal-finance/24/01/42757069/i-dont-care-what-tax-bracket-youre-in-suze-orman-insists-youd-be-crazy-to-have-anything-other-than-a-roth-retirement-account">Roth IRA</a> like your parents want you to," Orman stated. "However, I like your idea. I have to tell you, I would open up a Uniform Gift to Minors Act account."
Opening a UGMA account would allow Hazel, with her parents' help, to invest her earnings in stocks or exchange-traded funds (ETFs) through platforms like Fidelity or Schwab. The key advantage? Hazel would have access to the funds once she reaches adulthood, enabling her to use them for significant milestones like buying a house.&nbsp;
Orman also recommended that Hazel invest her $24 monthly income consistently, emphasizing the value of starting small but staying consistent.
See Also: With 100+ historic trademarks including some of the high grossing characters in history, like Cinderella, Snow White and Peter Pan, <a href="https://www.benzinga.com/money/elf-labs-1">this company is transforming the $2 trillion entertainment market with patented AR, VR, and AI tech. — For a short window, investors are able to claim $2/share ($980 min).</a>
Let's breakdown UGMA accounts versus custodial Roth IRAs a bit further.&nbsp;
A UGMA account is a custodial account that allows minors to own securities and other assets under the management of a parent or guardian. Once the child reaches the age of majority (18 or 21, depending on the state), the assets become fully theirs to use as they see fit. UGMA accounts do not have the same tax advantages as Roth IRAs but offer greater flexibility for accessing funds before retirement.
A custodial Roth IRA is a retirement savings account for minors who earn income. Contributions grow tax-free and withdrawals in retirement are also tax-free. While the child would gain control of the account once they reach adulthood, the funds in a Roth IRA are generally inaccessible before age 59½ without incurring taxes and penalties, except in specific circumstances like buying a first home.
Trending: ‘Scrolling To UBI' — Deloitte's #1 fastest-growing software company allows users to earn money on their phones. <a href="https://www.benzinga.com/money/mode-mobile-2">You can invest today for just $0.26/share with a $1000 minimum.</a>
Hazel's question highlights a broader lesson of teaching financial literacy at a young age. A Schwab survey reports that Americans rank money management as the most crucial skill parents should teach their children. Orman has frequently said that conversations about money should start early and that parents should talk to their children about budgeting, savings and <a href="https://www.benzinga.com/personal-finance/24/11/41991146/suze-orman-says-this-investment-can-make-your-kids-rich-by-retirement-you-have-a-golden-opportunity-to-launch-them-to-their-first-million">long-term planning</a>.&nbsp;
One piece of advice Orman wrote in her blog was not to shield children from finances. "Don't assume they will pick things up on their own or that it is being taught in school," she wrote.&nbsp;
By empowering children like Hazel with knowledge and the tools to make <a href="https://www.benzinga.com/personal-finance/financial-advisors/25/01/42805298/with-the-new-generation-beta-come-new-financial-planning-challenges-and-opportunities">informed financial decisions</a>, parents can help build a strong foundation for their future success and independence.
Read Next:
<ul>
<li>Can you guess how many retire with a $5,000,000 nest egg? <a href="https://www.benzinga.com/money/5mil-nest-egg-adv">The percentage may shock you</a>.</li>
<li><a href="https://www.benzinga.com/money/planning-your-retirement-new-changes-to-social-security-in-2025-could-affect-you">Planning Your Retirement? New Changes To Social Security In 2025 Could Affect You</a></li>
</ul>

Personal Finance

11-Year-Old Aspiring Investor Asks: Roth IRA Or UGMA? Suze Orman Weighs In

<figure class="wp-block-image size-large"><img decoding="async" src="https://thearorareport.com/wp-content/uploads/2025/01/2025-01-15_08h43_48.png" alt="" /></figure>
To gain an edge, this is what you need to know today.
<h4 class="wp-block-heading">Bonds Are The Leading Indicator</h4>
A chart of iShares 20+ Year Treasury Bond ETF (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/TLT#NASDAQ">TLT</a>).
Note the following:
<ul>
<li>On January 10th, we wrote in the Morning Capsule:</li>
</ul>
<blockquote class="wp-block-quote is-layout-flow wp-block-quote-is-layout-flow">Bonds are now very oversold.&nbsp; For this reason, bonds may see a technical bounce.&nbsp; The bounce in bonds means yields pulling back.&nbsp; If yields pull back, the stock market will rally.
</blockquote>
<ul>
<li>The chart shows that bond ETF TLT previously touched the top band of the support zone.</li>
<li>The chart shows that bonds rallied on cooler core CPI.</li>
<li>The chart shows that bonds are now close to the bottom band of the lower resistance zone.</li>
<li>RSI on the chart shows that bonds were very oversold prior to the rally.</li>
<li>There was aggressive buying in the stock market yesterday, primarily on the rally in bonds.&nbsp;</li>
<li>The outsized rally yesterday was exaggerated for two reasons:
<ul>
<li>Positioning of Wall Street.&nbsp; Positioning is a very important market mechanic.&nbsp; Understanding positioning gives you an edge.</li>
<li>A vicious short squeeze occurred as many funds were positioned for a drop in the stock market.</li>
</ul>
</li>
<li>Here is another indication of extreme positive sentiment.&nbsp; The market focused on 0.1% cooler core CPI but totally ignored the headline CPI that was hotter.&nbsp; The headline CPI includes food and energy.&nbsp; Prudent investors should note that people are still eating food and putting gas in their cars.&nbsp; Gas prices are going up.&nbsp; Is inflation really tamed as the stock market believed yesterday?&nbsp; Looking forward, insurance costs for consumers are also going to go up after the Los Angeles fires.&nbsp; The rise in insurance costs will not be limited to Los Angeles but will be felt across the country.</li>
<li>Taiwan Semiconductor Mfg. Co. Ltd. (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/TSM#NYSE">TSM</a>) is the largest semiconductor manufacturer in the world. Taiwan Semiconductor is the manufacturer of semiconductors for Apple Inc (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/AAPL#NASDAQ">AAPL</a>) and NVIDIA Corp (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NVDA#NASDAQ">NVDA</a>). Taiwan Semiconductor reported blowout earnings on continued AI demand.&nbsp; This is bringing more enthusiasm to AI stocks.</li>
<li>The meme crowd is rushing headlong into quantum computing stocks such as IONQ Inc (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/IONQ#NYSE">IONQ</a>), Quantum Computing Inc (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/QUBT#NASDAQ">QUBT</a>), D-Wave Quantum Inc (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/QBTS#NYSE">QBTS</a>), Rigetti Computing Inc (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/RGTI#NASDAQ">RGTI</a>), SEALSQ Corp (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/LAES#NASDAQ">LAES</a>), and Arqit Quantum Inc (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/ARQQ#NASDAQ">ARQQ</a>).&nbsp; The trigger is Microsoft Corp (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/MSFT#NASDAQ">MSFT</a>) declaring 2025 the year to be quantum ready.&nbsp; Microsoft has announced a new Quantum-Ready program.&nbsp; Manipulators are having a heyday taking advantage of the meme crowd, just like manipulators did with earlier meme crowd favorites like AMC Entertainment Holdings Inc (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/AMC#NYSE">AMC</a>) and GameStop Corp (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/GME#NYSE">GME</a>).&nbsp; In GME and AMC, the meme crowd lost their shirts, but manipulators made money like bandits.&nbsp; Clearly, the meme crowd has not learned their lesson from the prior major losses.</li>
<li>In The Arora Report analysis, quantum computing has significant potential to make money, but it has to be done carefully and patiently.&nbsp; Under the present situation of quantum stocks becoming totally divorced from reality, the best course of action for investors is to be patient.&nbsp; It is a grave mistake to emulate meme crowd behavior and become prey of the manipulators.</li>
<li>Prudent investors pay attention to retail sales because the US economy is 70% consumer based.&nbsp; Retail sales data is slightly weaker than expected:
<ul>
<li>Retail sales came in at 0.4% vs 0.5% consensus.</li>
<li>Retail sales ex Auto came in at 0.4% vs 0.5% consensus.</li>
</ul>
</li>
<li>Weekly initial jobless claims are creeping up.&nbsp; Claims came at 217K vs 212K consensus.&nbsp;</li>
</ul>
<h4 class="wp-block-heading">Magnificent Seven Money Flows</h4>
In the early trade, money flows are positive in Amazon.com, Inc., NVDA, MSFT, and AAPL.
In the early trade, money flows are neutral in Tesla Inc.
In the early trade, money flows are negative in Alphabet Inc Class C and Meta Platforms Inc.
In the early trade, money flows are neutral in SPDR S&amp;P 500 ETF Trust and Invesco QQQ Trust Series 1.
<h4 class="wp-block-heading">Momo Crowd And Smart Money In Stocks</h4>
Investors can gain an edge by knowing money flows in SPY and QQQ.  Investors can get a bigger edge by knowing when smart money is buying stocks, gold, and oil.  The most popular ETF for gold is SPDR Gold Trust.  The most popular ETF for silver is iShares Silver Trust.  The most popular ETF for oil is United States Oil ETF.
<h4 class="wp-block-heading">Bitcoin</h4>
Bitcoin is rangebound trading just below 100,000.
<h4 class="wp-block-heading">Protection Band And What To Do Now</h4>
It is important for investors to look ahead and not in the rearview mirror.&nbsp; The proprietary protection band from The Arora Report is very popular.&nbsp; The protection band puts all of the data, all of the indicators, all of the news, all of the crosscurrents, all of the models, and all of the analysis in an analytical framework that is easily actionable by investors.&nbsp;
Consider continuing to hold good, very long term, existing positions. Based on individual risk preference, consider a protection band consisting of cash or Treasury bills or short-term tactical trades as well as short to medium term hedges and short term hedges. This is a good way to protect yourself and participate in the upside at the same time.
You can determine your protection bands by adding cash to hedges.&nbsp; The high band of the protection is appropriate for those who are older or conservative. The low band of the protection is appropriate for those who are younger or aggressive.&nbsp; If you do not hedge, the total cash level should be more than stated above but significantly less than cash plus hedges.
A protection band of 0% would be very bullish and would indicate full investment with 0% in cash.&nbsp; A protection band of 100% would be very bearish and would indicate a need for aggressive protection with cash and hedges or aggressive short selling.
It is worth reminding that you cannot take advantage of new upcoming opportunities if you are not holding enough cash.&nbsp; When adjusting hedge levels, consider adjusting partial stop quantities for stock positions (non ETF); consider using wider stops on remaining quantities and also allowing more room for high beta stocks.&nbsp; High beta stocks are the ones that move more than the market.
<h4 class="wp-block-heading">Traditional 60/40 Portfolio</h4>
Probability based risk reward adjusted for inflation does not favor long duration strategic bond allocation at this time.
Those who want to stick to traditional 60% allocation to stocks and 40% to bonds may consider focusing on only high quality bonds and bonds of five year duration or less.&nbsp; Those willing to bring sophistication to their investing may consider using bond ETFs as tactical positions and not strategic positions at this time.
The Arora Report is known for its accurate calls. The Arora Report correctly called the big artificial intelligence rally before anyone else, the new bull market of 2023, the bear market of 2022, new stock market highs right after the virus low in 2020, the virus drop in 2020, the DJIA rally to 30,000 when it was trading at 16,000, the start of a mega bull market in 2009, and the financial crash of 2008. Please click here to sign up for a free forever <a href="https://thearorareport.com/generate-wealth-newsletter-benzinga">Generate Wealth Newsletter</a>.

AAPL

ARQQ

IONQ

LAES

MSFT

NVDA

QBTS

QUBT

RGTI

iShares Trust Barclays 20+ Year Treasury Bond Fund

Bond Rally Drives Stock Market, Taiwan Semi Results Show AI Demand, Manipulators Having A Heyday With Quantum Computing

Agora shares are trading higher after B of A Securities upgraded the stock from Neutral to Buy and raised its price target from $3.1 to $6.

JP Morgan analyst Kian Abouhossein shared views on Morgan Stanley&#8216;s (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/MS#NYSE">MS</a>) fourth-quarter <a target="_blank" href="https://www.benzinga.com/news/large-cap/25/01/43029150/morgan-stanley-q4-earnings-profit-doubles-ceo-calls-it-one-of-strongest-years-aims-for-prudent-dividend-growth" rel="noreferrer noopener">results reported today.</a>
The bank reported an adjusted EPS of $2.22, up from $0.85 a year ago and beating the consensus of $1.70. Revenue of $16.22 billion, up 26% year over year, beat the&nbsp;consensus of $15.03 billion.
The analyst writes that Morgan Stanley&#8217;s Investment Banking performance is strong, with Equity S&amp;T rising 51% year-over-year (JPM estimate +18%) to $3.3 billion, outperforming the U.S. peers.
The analyst also adds that FICC performed well, growing 35% year over year (JPM estimates +19%) versus an average of 25% among its U.S. peers.
With a <a target="_blank" href="https://www.benzinga.com/quote/MS/analyst-ratings" rel="noreferrer noopener">Neutral rating </a>on the stock, the analyst expects Morgan Stanley&#8217;s shares to outperform peers today.
Abouhossein expects mid-to-high single-digit % EPS upgrades to 2025 consensus but this would be partly dependent on earnings conference call.
During the conference call, the analyst anticipates questions regarding Wealth Management NII, the outlook for IB fee growth following optimistic comments from peers.
Also, the analyst expects the bank to provide outlook for share buybacks, which were in line with JP Morgan estimates expectations at $0.75 billion for the fourth quarter.
Investors can gain exposure to the stock via iShares U.S. Broker-Dealers &amp; Securities Exchanges ETF (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/IAI#NYSE">IAI</a>) and Invesco KBW Bank ETF (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/KBWB#NASDAQ">KBWB</a>).
Price Action: MS shares are up 2.57% at $133.90 at the last check Thursday.
Read Next:
<ul>
<li><a href="https://www.benzinga.com/analyst-ratings/analyst-color/25/01/43031980/big-banks-continue-to-beat-q4-earnings-financial-etf-takes-breather" target="_blank" rel="noreferrer noopener">Big Banks Continue To Beat Q4 Earnings As Financial ETF Takes A Breather</a></li>
</ul>
Image via Shutterstock.

Large Cap

Movers

iShares Dow Jones US Broker Dealers Index Fund

KBWB

JP Morgan Analyst Sees Earnings Upside For Morgan Stanley Post-Q4 Beat: Details

Loop Capital analyst Alan Gould maintains Netflix (NASDAQ:<a class="ticker" href="https://www.benzinga.com/stock/NFLX#NASDAQ">NFLX</a>) with a Hold and lowers the price target from $950 to $925.

NFLX

Loop Capital Maintains Hold on Netflix, Lowers Price Target to $925

JP Morgan analyst Christopher Horvers reiterated the Neutral rating on Target Corporation (NYSE:<a class="ticker" href="https://www.benzinga.com/stock/TGT#NYSE">TGT</a>).
The company reported a 2.8% increase in holiday sales during the&nbsp;<a target="_blank" href="https://www.benzinga.com/25/01/43027043/target-posts-strong-holiday-sales-stock-surges" rel="noreferrer noopener">November and December period.</a>
The company saw comparable sales rise 2% and solid sales during the Black Friday and <a target="_blank" href="https://www.benzinga.com/quote/TGT/analyst-ratings" rel="noreferrer noopener">Cyber Monday promotions</a>. The increase was fueled by a nearly 3% rise in traffic, positively impacting both in-store and online channels.
According to the analyst, the +2% growth suggests a weather shift from the third quarter and slight consumer improvement.
Horvers writes that the company explained that the +2% growth in November/December and the updated fourth quarter guide were due to the calendar shift, not a change in trends, and no updates were provided for January.
Also Read: <a target="_blank" href="https://www.benzinga.com/analyst-ratings/analyst-color/25/01/43031980/big-banks-continue-to-beat-q4-earnings-financial-etf-takes-breather" rel="noreferrer noopener">Big Banks Continue To Beat Q4 Earnings As Financial ETF Takes A Breather</a>
Additionally, the retailer&#8217;s strong apparel performance, despite excess inventory, raises hopes for better-than-expected margins, the analyst notes.
The holiday pre-announce was Target&#8217;s first since FY20 and served as a sales update, without changing its EPS guidance for the fourth quarter ($1.85 &#8211; $2.45) or FY24 ($8.30 &#8211; $8.90).
The lack of updated EPS guidance is seen as a sales update, with the existing range being broad. Given historical trends, the analyst sees the higher end of the EPS range is more likely.
The company highlighted strong performance in apparel, boosted by cold weather, and in toys, driven by more accessible prices.
However, it noted that not all discretionary categories saw growth, with electronics remaining flat.
Additionally, management pointed out that the third quarter was not as weak as initially thought due to weather, Horvers adds.
Price Action: TGT shares are trading lower by 1.19% to $132.93 at last check Thursday.
Read now:
<ul>
<li><a href="https://www.benzinga.com/economics/macro-economic-events/25/01/43027744/retail-sales-slow-jobless-claims-rise-is-us-consumer-loosing-steam" target="_blank" rel="noreferrer noopener">Retail Sales Disappoint, Jobless Claims Rise: Is US Consumer Losing Steam?</a></li>
</ul>
Photo via Shutterstock.

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