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Reply-To: no-reply@sofi.org Dispatch-Id: 65c625d3f598e86d5e85af10c9cfd452 Customer-Id: 31321272 X-Feedback-ID: 10298198:SG X-SG-EID: =?us-ascii?Q?12A1JHUYRyxUFBhDPG+iEO6VYR=2FM5Z3ClM=2FU0lC7Jh=2Ff56tZJY58zR0RuuMZTj?= =?us-ascii?Q?qFKGD0v=2FyvOjpdXx2fsgIau2DcvFlRoyeiiSmKr?= =?us-ascii?Q?tBAj=2FUmMNli9u0FuBidIjjNxfYrxKG9+Sp3hedl?= =?us-ascii?Q?Pj4NnUULrbj2wiV=2F=2FBJbh+R9lI1VHW6F5k93P=2Fy?= =?us-ascii?Q?QkLVO892XqDoopU7bGFYscES4LK+GG0=2Fg=2FeFZHA?= =?us-ascii?Q?q5BbZLaUbU6McwfkJZQPadmxyUh=2FDFKArjXhFg?= X-SG-ID: =?us-ascii?Q?N2C25iY2uzGMFz6rgvQsb8raWjw0ZPf1VmjsCkspi=2FKvUYPFb2vwyNNeBc9bJi?= =?us-ascii?Q?ChixF8cnPRmTzba1j8dUJC03EBW7espO49VC93G?= =?us-ascii?Q?p9C0PNRFA4WwsChVyVHOFgxdPyn04aqZ0QjP7Uq?= =?us-ascii?Q?Tg=2FDIbyHZH1E1wGzaGgHC8Grz6I89Wgqg3TqXoq?= =?us-ascii?Q?JCbcYRJgfo7jl6iy1sgJKuIn0=2FJKZeHSVmVO5ST?= =?us-ascii?Q?QxcUZXZUsUMSvQLXxkL+bJqxMg32o4Py3M=2FIHDA?= =?us-ascii?Q?PHHW1JR6q3lVt5=2FaXqmIOZ8Pq6mAwMDrXkzgV+b?= =?us-ascii?Q?1lIC2Iz+V=2FTxQ4S4cPy8V2O3RGjEx3s03FlWLpI?= =?us-ascii?Q?gmDajBVDHEv00M5TuHUVbjAlvQnUWfNOtMSC5Y3?= =?us-ascii?Q?TZ5gUAjK1akhJKXayo2TrxpFaPaLiNg6mZaSdQ9?= =?us-ascii?Q?2RIOEnwFxDGCyFs9aQX7wrfQ85T8eLZTJ1VFrQr?= =?us-ascii?Q?xHyAki2p8s2CT6VhKDhlCBHVEOJuoOshPsmN+FE?= =?us-ascii?Q?3WDjA7nbhcgp7QA6DSrJ6bLQiv2oMbjH=2FPIwq9+?= =?us-ascii?Q?Szu2Cv=2F=2FjxaCJZcXYSowMlHhuvsFJdUXbl19Ss3?= =?us-ascii?Q?GVZDcwj?= To: sterlingwhg@gmail.com X-Entity-ID: 1kl2naygsIx1wIlJH+cV9Q== X-Spam-Status: No, score=2.2 X-Spam-Score: 22 X-Spam-Bar: ++ X-Spam-Flag: NO --5e1e970ba0471d6c2c994e6e70462dc3ba0ff885c6cd09ffea0195be71f0 Content-Transfer-Encoding: quoted-printable Content-Type: text/plain; charset=utf-8 Mime-Version: 1.0 The economy is doing well, so why are companies beefing up their cash holdings? =20 @media only screen and (max-width: 480px) { .mobbackground { background-image: url("http://ablink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRaRff73x= 7hWaiVjqL1TJm03pxTjyAr6YUzHnBKTRi9L-2B4Ay6du3eCsCJCblsAFAnpuxMjfPIV8xbiNOsh= VSA08AJyMc8-2FqcWDgtUIH03V6Pi62WOsQm-2BGmXKQGjWT-2FMQFVy3dzhw-3D-3DUVy__y6r= 4Y-2Fjyz39fUgiIVZvxszI1-2BOksX762wK6L32M97xg1cf2BFSLL6DCWR6rwb8lAnkNl5-2FWA= UTS0rtKWQxACAgl8Bs-2BkM8YfQH-2FncRn9513CidysmZZ5pBh0YPCaTFwRkDVE31h56eRPy-2= Bn1sSPPcRZV-2Fiw8VtolCiMbkKs21hg5Gbm1-2FDq0La1dclkSOe8dOQfS-2BNMNGztkbsvLqa= tLzuZcHAGrcDzhlmu1irAhvDDeALXp25b3m4O-2Bz2lBR2LBa1vVkIEqUotgG2HMv4IN2peQfUX= Am4EokTJu-2B1ssof4EKOxxnjukv2-2FoBeJ-2Ffn89vBoQRZe5uRLF84XTuDSQDPowzVemJ-2B= rr7osM1u76wcV1Y6QDjyF3w9ZtNSi7gYiroUq7mv74Y-2FFUQTWKEFfsvxbbpzv6XzCGyaHaZm3= a1UdsOrE04XaYM7Pvtbc0xvnBHzYllRJYhdH3NpNU7rKFqwb5pBK3JMX4Q8R6ZmZ0cSOYQfVeWN= J0sSMSLOJqOG9xBE9wuSiEQBg0ZphkMjXWFd-2Bu-2Ff3-2BVkmmoJjLy5gSeKEZCuwLhGyQuDy= 2nLi9Ja1boTBF5uf79NKcSIJRbobRf8YasY6MhFxb5XLp64XD0Ilu1olS8aNFuEjiTUPsGrc26S= jhXq9Ngg-2BFpYcoJ0SJMv-2Fo0ZbnPJhdBBF4tGgRnLuPnQLIdhVhR9oxZ-2FHdQMNruO-2BgU= pmfnhuLEMyJOp5An1nXQtDXZWkVzSrQtYnxrB0-3D !important;} } =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2= =80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80= =8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C = =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2= =80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80= =8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C = =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2= =80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80= =8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C = =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2= =80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80= =8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C = =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2= =80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80= =8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C = =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2= =80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80= =8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C = =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C =E2=80=8C This email is coming from an unmonitored email account. 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SoFi Daily News Friday =E2=80=A2 FEB 9, 2024 Market Recap Dow Jones 38,726.33 (+0.13%) S&P 500 4,997.91 (+0.06%) Nasdaq 15,793.71 (+0.24%) Arm ( http://ablink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRaRff737E8xHN= 3a-2BXSFp-2Fn-2FdrITtbVQTyMmMRwXIhe4BjTd24gxPM7pP7DQF2UmofgXwWHmqNm8-2F-2Ft= 4KVpn7vTnngbpF-2FNmlPHp5aKyMvWBq-2FGkoe6mbcNeLQ2-2ByYOF-2FgZNxWuFUr9IZhCgY8= AGilechjY4Wors4Y3d7R9NaXajQepf-2FNIbSon60IG7oLdrwLYKg78H351kg5MAOVL4wOQGMS7= FlneyrWhmhuNHSqYbHA5scsSmNayzY0tLe92n-2FJUoWJA-2BSoHu-2FauPhapkohzxsTBlgFJc= YrPKjRpfxcK61rlW095sjkHpM6LCY29PNb2vY4ZGdtkPj3Ilptv2oGoCpQ-2BSWd6Ke24J0Xja0= 7PewuoFgQhDVrBHHVz9JrU1ai8TYYrCfjcMPiRr4wSM1BMN3xpgxDru8YEoWf1X6YodSbzmBxGU= l1zrRyf-2F89lhMQop6Nxa0yeHX1u-2BWml-2FEvUvXPIkiY-3D7ifH_y6r4Y-2Fjyz39fUgiIV= ZvxszI1-2BOksX762wK6L32M97xg1cf2BFSLL6DCWR6rwb8lAnkNl5-2FWAUTS0rtKWQxACAgl8= Bs-2BkM8YfQH-2FncRn9513CidysmZZ5pBh0YPCaTFwRkDVE31h56eRPy-2Bn1sSPPcRZV-2Fiw= 8VtolCiMbkKs21hg5Gbm1-2FDq0La1dclkSOe8dOQfS-2BNMNGztkbsvLqatLzuZcHAGrcDzhlm= 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DKtk99gC3buE-3D ) $110.54 $11.40 (+11.5%) Ralph Lauren ( http://ablink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRaRff737E8xHN= 3a-2BXSFp-2Fn-2FdrITtYX4PFLtvn-2FTWCibBvKOd5CVs7Y9PqqFSWRzZByqMm-2FrZ4edcW4= nDlGGP3tkMD8oD76OYjXQKUpJZIr5Kei9YsFIgGjPpIaTrmExFIgDY3TLLQdhWcCBfGaIVXcmaj= Y8af47d0iGkbZc5AtyEi1mtVPMFx9xPZKaibmwCgEG7bIlKsrA-2FCc1-2BSkKXwRJdoA3EUSEj= opuXLKbZxnrz2RMDL7aU18AvQ8kYaDOFuMGry6KNyiR-2FnAJQmp9eYe75SymuwLaN3H3xqfdgN= YjeGnYx3vENBLaYj6uZHp5MHG4eW-2Bbcs3drTS2JjAzRPUbynZfHRhVA4K4A55WkXwFZEavM6j= mDNJzKaj94IUJ-2BznU8X0J5IqMq3Gra6iu43t6LNdJno8AeaqiajnWvcjp9CGurthWr1z-2FFs= WvVkHx3C42A1GyKbzoslihvfwXOea7QeMomg-3DVmz-_y6r4Y-2Fjyz39fUgiIVZvxszI1-2BOk= sX762wK6L32M97xg1cf2BFSLL6DCWR6rwb8lAnkNl5-2FWAUTS0rtKWQxACAgl8Bs-2BkM8YfQH= -2FncRn9513CidysmZZ5pBh0YPCaTFwRkDVE31h56eRPy-2Bn1sSPPcRZV-2Fiw8VtolCiMbkKs= 21hg5Gbm1-2FDq0La1dclkSOe8dOQfS-2BNMNGztkbsvLqatLzuZcHAGrcDzhlmu1irAhvDDeAL= Xp25b3m4O-2Bz2lBR2LBa1vVkIEqUotgG2HMv4IN2peQfUXAm4EokTJu-2B1ssof4EKOxxnjukv= 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AGrcDzhlmu1irAhvDDeALXp25b3m4O-2Bz2lBR2LBa1vVkIEqUotgG2HMv4IN2peQfUXAm4EokT= Ju-2B1ssof4EKOxxnjukv2-2FoBeJ-2Ffn89vBoQRZe5uRLF84XTuDSQDPowzVemJ-2Brr7osM1= u76wcV1Y6QDjyF3w9ZtNSi7gYiroUq7mv74Y-2FFUQTWKEFfsvxbbpzv6XzCGyaHaZm3a1UdsOr= E04XaYM7Pvtbc0xvnBHzYllRJYhdH3NpNU7rKFqwb5pBK3JMX4Q8R6ZmZ0cSOYQfVeWNJ0sSMSL= OJqOG9xBE9wuSiEQBg0ZphkMjXWFd-2Bu-2Ff3-2BVkmmoJjLy5gSeKEZCuwLhGyQuDy2nLi9Ja= 1boTBF5uf79NKcSIJRbobRfzbvyoYhXa-2BAeRbnNexsuQ0RgNEnCrr-2BBQZwqcxLInKC9zcdA= mUC1BfK7d6-2FGFLNja6sHVC7lXjx2gpn-2FDVoFIKe2i6-2BrVBfbYf5utI-2FtUmfqwwAxqal= OsxVJP3IIZzlWl-2BVzGz9lgBgiOjGcc65FY8-3D ) If the economy is so strong, why are public companies hoarding cash? Unemployment is low, inflation is cooling, and consumers are spending. Things are looking pretty good on the whole, but corporations seem nervous. Read more >>=20 ( http://ablink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRaRff735Qxs= u6qgTu3mwVd1GBqeywr34GXS7beX0QWZO-2F-2FyXfVdBePgMyw0SrEGdzZQcVi8z9VOLDFzhYk= SDiesvzbrxJIJnx8kJycMYic1GyKJSB-2Ffv7wuQeGFVwqwheAVpE85jEIQUOwOh51iJ0TyK5To= z4-3DJTzy_y6r4Y-2Fjyz39fUgiIVZvxszI1-2BOksX762wK6L32M97xg1cf2BFSLL6DCWR6rwb= 8lAnkNl5-2FWAUTS0rtKWQxACAgl8Bs-2BkM8YfQH-2FncRn9513CidysmZZ5pBh0YPCaTFwRkD= VE31h56eRPy-2Bn1sSPPcRZV-2Fiw8VtolCiMbkKs21hg5Gbm1-2FDq0La1dclkSOe8dOQfS-2B= NMNGztkbsvLqatLzuZcHAGrcDzhlmu1irAhvDDeALXp25b3m4O-2Bz2lBR2LBa1vVkIEqUotgG2= HMv4IN2peQfUXAm4EokTJu-2B1ssof4EKOxxnjukv2-2FoBeJ-2Ffn89vBoQRZe5uRLF84XTuDS= QDPowzVemJ-2Brr7osM1u76wcV1Y6QDjyF3w9ZtNSi7gYiroUq7mv74Y-2FFUQTWKEFfsvxbbpz= v6XzCGyaHaZm3a1UdsOrE04XaYM7Pvtbc0xvnBHzYllRJYhdH3NpNU7rKFqwb5pBK3JMX4Q8R6Z= mZ0cSOYQfVeWNJ0sSMSLOJqOG9xBE9wuSiEQBg0ZphkMjXWFd-2Bu-2Ff3-2BVkmmoJjLy5gSeK= EZCuwLhGyQuDy2nLi9Ja1boTBF5uf79NKcSIJRbobRf4G6y-2FK5tQ-2BGFbh-2BQKpSPf-2Fxl= gEPdDzY2Z471aMCw00oITkNk7k5TSppwHW-2B-2FqS-2B-2FmaXv4iQzz9aj2uU-2BH0TGwvJ9k= 8ACDwIoP-2F-2BPfMTgwFg-2B1AeLFwGgI4xJuWVhuRz7GvQLfsYFL6GXDk42uC6TfY-3D ) piggy bank=20 ( http://ablink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRaRff735Qxs= u6qgTu3mwVd1GBqeywr34GXS7beX0QWZO-2F-2FyXfVdBePgMyw0SrEGdzZQcVi8z9VOLDFzhYk= SDiesvzbrxJIJnx8kJycMYic1GyKJSB-2Ffv7wuQeGFVwqwheAVpE85jEIQUOwOh51iJ0TyK5To= z4-3Dg247_y6r4Y-2Fjyz39fUgiIVZvxszI1-2BOksX762wK6L32M97xg1cf2BFSLL6DCWR6rwb= 8lAnkNl5-2FWAUTS0rtKWQxACAgl8Bs-2BkM8YfQH-2FncRn9513CidysmZZ5pBh0YPCaTFwRkD= VE31h56eRPy-2Bn1sSPPcRZV-2Fiw8VtolCiMbkKs21hg5Gbm1-2FDq0La1dclkSOe8dOQfS-2B= NMNGztkbsvLqatLzuZcHAGrcDzhlmu1irAhvDDeALXp25b3m4O-2Bz2lBR2LBa1vVkIEqUotgG2= HMv4IN2peQfUXAm4EokTJu-2B1ssof4EKOxxnjukv2-2FoBeJ-2Ffn89vBoQRZe5uRLF84XTuDS= QDPowzVemJ-2Brr7osM1u76wcV1Y6QDjyF3w9ZtNSi7gYiroUq7mv74Y-2FFUQTWKEFfsvxbbpz= v6XzCGyaHaZm3a1UdsOrE04XaYM7Pvtbc0xvnBHzYllRJYhdH3NpNU7rKFqwb5pBK3JMX4Q8R6Z= mZ0cSOYQfVeWNJ0sSMSLOJqOG9xBE9wuSiEQBg0ZphkMjXWFd-2Bu-2Ff3-2BVkmmoJjLy5gSeK= EZCuwLhGyQuDy2nLi9Ja1boTBF5uf79NKcSIJRbobRf5Bms-2BXryrrlPS5vWgn0hsbnnJ1Xb40= FXxpc2ZMvKEPd-2BeS8tya8rGZnGCuNNIN-2BdhDWpmHxDVuwOiqJUPzUhsI4QWZIPx3eLTPXWb= jzYYuoNJfsibcsSQfMv9siiAWLFNvALe9aUh70dL-2BZyhzYNrI-3D ) MARKET RECAP US stocks finished higher on Thursday as the S&P 500 continues its climb to= wards the historic 5,000 point mark
  • Chip designer Arm=E2=80=99s= stock soared 47.9% after surpassing analyst expectations and issu= ing strong guidance. Other strong performers of the day included Di= sney, the shares of which 11.5% after beating profit estimates, in= creasing its dividend by 50%, and announcing a $1.5 billion investment for = a stake in Fortnite-owner Epic Games. Shares of Ralph Lauren surged 16.8% after beating estimates thanks to strong holiday season sal= es, and shares of chocolate manufacturer Hershey climbed 4= .1% also after beating earnings expectations.
  • Shares of PayPal tumbled 11.2% after its full-y= ear and first-quarter guidance came in below estimates. In the healthcare s= pace, shares of pharmaceutical giant AstraZeneca fell 4.6%= after reporting earnings below expectations, a departure from peers Eli Li= lly, Pfizer, and Merck, all of which recently reported earnings beats. Johnson & Johnson=E2=80=99s consumer-health spin-off Kenvue al= so saw its shares slide 5.8% after missing revenue estimates and forecastin= g full-year earnings below expectations.
  • Spirit Airlines reported a smaller-than-expected loss and forecasted positive cash flow in the second quarter, sending its sto= ck 3.3% higher.
  • Oil prices = rose more than 3% on continued turmoil in the Middle East.
    • Richmond Fed President Thomas Barkin warned the fight against inf= lation wasn=E2=80=99t over, and that it would be smart for the Fed= eral Reserve to make sure inflation is cooling consistently without the ris= k of a rebound.
What to be on the lookout for today
  • 2023 Consumer Price Index <= /strong>revisions.
  • In earnings, PepsiCo will rep= ort.
America=E2=80=99s wealth gap: Inequality in home buying Buying a home can be stressful, but it=E2=80=99s even more challenging for certain groups of prospective buyers. It=E2=80=99s another arena where America=E2= =80=99s racial wealth gap rears its head.=20 ( http://ablink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRaRff738U9X= URM5Z2e5gvCvZ4evSpngq5ulQaXS4Ony24jN6J0OOUFZY86sAal7NxWB1903-2Bp1FIH9TJwwAN= zzDNWTDP8IJfblK0r7diOLMPpB4d4gwkqt0dcYQal72bnFj-2BkvWw-3D-3DVB5T_y6r4Y-2Fjy= z39fUgiIVZvxszI1-2BOksX762wK6L32M97xg1cf2BFSLL6DCWR6rwb8lAnkNl5-2FWAUTS0rtK= WQxACAgl8Bs-2BkM8YfQH-2FncRn9513CidysmZZ5pBh0YPCaTFwRkDVE31h56eRPy-2Bn1sSPP= cRZV-2Fiw8VtolCiMbkKs21hg5Gbm1-2FDq0La1dclkSOe8dOQfS-2BNMNGztkbsvLqatLzuZcH= AGrcDzhlmu1irAhvDDeALXp25b3m4O-2Bz2lBR2LBa1vVkIEqUotgG2HMv4IN2peQfUXAm4EokT= Ju-2B1ssof4EKOxxnjukv2-2FoBeJ-2Ffn89vBoQRZe5uRLF84XTuDSQDPowzVemJ-2Brr7osM1= u76wcV1Y6QDjyF3w9ZtNSi7gYiroUq7mv74Y-2FFUQTWKEFfsvxbbpzv6XzCGyaHaZm3a1UdsOr= E04XaYM7Pvtbc0xvnBHzYllRJYhdH3NpNU7rKFqwb5pBK3JMX4Q8R6ZmZ0cSOYQfVeWNJ0sSMSL= OJqOG9xBE9wuSiEQBg0ZphkMjXWFd-2Bu-2Ff3-2BVkmmoJjLy5gSeKEZCuwLhGyQuDy2nLi9Ja= 1boTBF5uf79NKcSIJRbobRf91yBRqd4U4HPrWJqBe1ngmmkdPAHlfpHh5TxhkScb3VqMGM48v-2= BS2SfDlrp-2BjErVBqo7bbVSuw2ry6gQDJHVAIPyFL660agB9hHzMmjT8MGqjEjY33QzvPKoHUY= GPVRq0qFjFJpiiVFLqChy8WlvOA-3D ) Lenders generally like to see a debt-to-income ratio (DTI)=20 ( http://ablink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRaRff738U9X= URM5Z2e5gvCvZ4evSqJGtOH2NtZWUO01HAXUIPPhWdzvHQI7ikHtNmO6cEQ4qzBISjvjpHNDbVb= F9pLR8Y-2Budgj5ASwkIRifJ5s2Nc0WBiV-2FxXVsi8ptRahlP9lZemB-2Fk7ZzUA3naDTOni82= 3M-3DIcrR_y6r4Y-2Fjyz39fUgiIVZvxszI1-2BOksX762wK6L32M97xg1cf2BFSLL6DCWR6rwb= 8lAnkNl5-2FWAUTS0rtKWQxACAgl8Bs-2BkM8YfQH-2FncRn9513CidysmZZ5pBh0YPCaTFwRkD= VE31h56eRPy-2Bn1sSPPcRZV-2Fiw8VtolCiMbkKs21hg5Gbm1-2FDq0La1dclkSOe8dOQfS-2B= NMNGztkbsvLqatLzuZcHAGrcDzhlmu1irAhvDDeALXp25b3m4O-2Bz2lBR2LBa1vVkIEqUotgG2= HMv4IN2peQfUXAm4EokTJu-2B1ssof4EKOxxnjukv2-2FoBeJ-2Ffn89vBoQRZe5uRLF84XTuDS= QDPowzVemJ-2Brr7osM1u76wcV1Y6QDjyF3w9ZtNSi7gYiroUq7mv74Y-2FFUQTWKEFfsvxbbpz= v6XzCGyaHaZm3a1UdsOrE04XaYM7Pvtbc0xvnBHzYllRJYhdH3NpNU7rKFqwb5pBK3JMX4Q8R6Z= mZ0cSOYQfVeWNJ0sSMSLOJqOG9xBE9wuSiEQBg0ZphkMjXWFd-2Bu-2Ff3-2BVkmmoJjLy5gSeK= EZCuwLhGyQuDy2nLi9Ja1boTBF5uf79NKcSIJRbobRf5s3C2mZ5RVVNswPgc70-2F6txFQ4na2x= snR1t-2BKz-2Bji0tEOs9EKECIcNCUSic2uJIkPk08ZKW1ZCZdxpwdugGNC7GQtvmFFRJMRlX-2= FglSrhmDaGUXMjpaSGFkah2-2Fv3pqgkaU94dy8bm9FwVoIS97y5U-3D ) of around 36% or less when it comes to mortgage applications, meaning that about one-third of one's income goes toward paying debt obligations. But a report from the Consumer Financial Protection Bureau=20 ( http://ablink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRaRff73xafS= pkGiWn0FXPqiSPboykrmgrlTUBhF5QocWjO-2FcuomDFD0y-2F-2B3XsSNLTKkvkbD4PHSQn52i= wCp9V-2FHQDRuRWiPf7h476VHBiYO6zSSDtxtbsCDKrAobwpUk9iS-2BlnY4Ulp7cHCCe-2B6H2= 9GgftyXyKgXbrHDiBP29k-2BL-2B19iDDeP1kbF7275zV6K14-2BLUgeQ-3D-3Dyj_G_y6r4Y-2= Fjyz39fUgiIVZvxszI1-2BOksX762wK6L32M97xg1cf2BFSLL6DCWR6rwb8lAnkNl5-2FWAUTS0= rtKWQxACAgl8Bs-2BkM8YfQH-2FncRn9513CidysmZZ5pBh0YPCaTFwRkDVE31h56eRPy-2Bn1s= SPPcRZV-2Fiw8VtolCiMbkKs21hg5Gbm1-2FDq0La1dclkSOe8dOQfS-2BNMNGztkbsvLqatLzu= ZcHAGrcDzhlmu1irAhvDDeALXp25b3m4O-2Bz2lBR2LBa1vVkIEqUotgG2HMv4IN2peQfUXAm4E= okTJu-2B1ssof4EKOxxnjukv2-2FoBeJ-2Ffn89vBoQRZe5uRLF84XTuDSQDPowzVemJ-2Brr7o= sM1u76wcV1Y6QDjyF3w9ZtNSi7gYiroUq7mv74Y-2FFUQTWKEFfsvxbbpzv6XzCGyaHaZm3a1Ud= sOrE04XaYM7Pvtbc0xvnBHzYllRJYhdH3NpNU7rKFqwb5pBK3JMX4Q8R6ZmZ0cSOYQfVeWNJ0sS= MSLOJqOG9xBE9wuSiEQBg0ZphkMjXWFd-2Bu-2Ff3-2BVkmmoJjLy5gSeKEZCuwLhGyQuDy2nLi= 9Ja1boTBF5uf79NKcSIJRbobRf3WTz6lSkR7QdXL43u9bcoEZjIC3k6PSpW5NZPTFVDqYq2Tyor= YgUHzLie938-2ByOkBB8Ov-2BxaAPPmM9-2B0gUra-2BaXzrnpIOEfegy8ksdQH2Bo64YCitJr4= 6iJkC45MfNJBiYeoOkUpMiU-2F8RsXzfHP6c-3D ) showed that lenders more frequently reject applications over lack of income, and Black borrowers had the highest denial rates at nearly 17% in 2022. For non-Hispanic, White applicants that rate was below 7%. The road to getting a loan The disparities continue for those who are approved for a loan: For Black and Hispanic borrowers, the median home loan rate was above 5%, compared to below 5% for White and Asian borrowers. With homeownership being a bedrock of generational wealth creation, the barriers to entry for some demographics have a lasting impact on communities. See how employers can help first-time homebuyers=20 ( http://ablink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRaRff737sPV= fS9QhDcDQtZf-2FzmwXPO7I7K6KdM98-2Fyl1WI1qrtyn3IwWYUKpR2XQSEK3grYl06CE02pVyw= QD7llt43JpK1zZBTaIXJbsKz9TUsSW8CYoTQmlX0I-2B1XFY4CtXJqzA-3D-3DJ7TM_y6r4Y-2F= jyz39fUgiIVZvxszI1-2BOksX762wK6L32M97xg1cf2BFSLL6DCWR6rwb8lAnkNl5-2FWAUTS0r= tKWQxACAgl8Bs-2BkM8YfQH-2FncRn9513CidysmZZ5pBh0YPCaTFwRkDVE31h56eRPy-2Bn1sS= PPcRZV-2Fiw8VtolCiMbkKs21hg5Gbm1-2FDq0La1dclkSOe8dOQfS-2BNMNGztkbsvLqatLzuZ= cHAGrcDzhlmu1irAhvDDeALXp25b3m4O-2Bz2lBR2LBa1vVkIEqUotgG2HMv4IN2peQfUXAm4Eo= kTJu-2B1ssof4EKOxxnjukv2-2FoBeJ-2Ffn89vBoQRZe5uRLF84XTuDSQDPowzVemJ-2Brr7os= M1u76wcV1Y6QDjyF3w9ZtNSi7gYiroUq7mv74Y-2FFUQTWKEFfsvxbbpzv6XzCGyaHaZm3a1Uds= OrE04XaYM7Pvtbc0xvnBHzYllRJYhdH3NpNU7rKFqwb5pBK3JMX4Q8R6ZmZ0cSOYQfVeWNJ0sSM= SLOJqOG9xBE9wuSiEQBg0ZphkMjXWFd-2Bu-2Ff3-2BVkmmoJjLy5gSeKEZCuwLhGyQuDy2nLi9= Ja1boTBF5uf79NKcSIJRbobRf6S4AE4XMOelOTja4Kd95WJUAZf9KJW9proxCXwNg5upQA9TUHF= wQkCgxFoVczKIwR8O8zBcUYRO3A0SAAsykwAHVCqGopD5Dq41zKalgjdZ2LzYACd3evbiCLsWse= ocffhHFerT-2FJmqcMVannLTum8-3D ) . And if you=E2=80=99re looking for a home loan, SoFi can help with that.=20 ( http://ablink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRaRff730UOq= tvMEqQaFgkSWZWKT85ulAw15sDumF60sMdL-2B1seoCGWscwHWtO1PHBMrQfWPsFXLxk9Y9HE1U= czr-2FEmX0Hb87rVcCl4Ud4liPgC9d0fPhMA_y6r4Y-2Fjyz39fUgiIVZvxszI1-2BOksX762wK= 6L32M97xg1cf2BFSLL6DCWR6rwb8lAnkNl5-2FWAUTS0rtKWQxACAgl8Bs-2BkM8YfQH-2FncRn= 9513CidysmZZ5pBh0YPCaTFwRkDVE31h56eRPy-2Bn1sSPPcRZV-2Fiw8VtolCiMbkKs21hg5Gb= m1-2FDq0La1dclkSOe8dOQfS-2BNMNGztkbsvLqatLzuZcHAGrcDzhlmu1irAhvDDeALXp25b3m= 4O-2Bz2lBR2LBa1vVkIEqUotgG2HMv4IN2peQfUXAm4EokTJu-2B1ssof4EKOxxnjukv2-2FoBe= J-2Ffn89vBoQRZe5uRLF84XTuDSQDPowzVemJ-2Brr7osM1u76wcV1Y6QDjyF3w9ZtNSi7gYiro= Uq7mv74Y-2FFUQTWKEFfsvxbbpzv6XzCGyaHaZm3a1UdsOrE04XaYM7Pvtbc0xvnBHzYllRJYhd= H3NpNU7rKFqwb5pBK3JMX4Q8R6ZmZ0cSOYQfVeWNJ0sSMSLOJqOG9xBE9wuSiEQBg0ZphkMjXWF= d-2Bu-2Ff3-2BVkmmoJjLy5gSeKEZCuwLhGyQuDy2nLi9Ja1boTBF5uf79NKcSIJRbobRf5FHAN= Nt81m1DUIDL8fwbD8nUHlJNBilDzPxoy3CxDF03eElP9nX3yFWnQDbJi25KVakZmDRlokIp0eOX= -2FzJgyaTSPR0l1eI9oLlutARsG09tBy5zei7SkJiMf-2Btz1uGJW0gTO1rPDhJVKAArs-2BnQg= U-3D ) piggy bank=20 ( http://ablink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRaRff738U9X= URM5Z2e5gvCvZ4evSpngq5ulQaXS4Ony24jN6J0OOUFZY86sAal7NxWB1903-2Bp1FIH9TJwwAN= zzDNWTDP8IJfblK0r7diOLMPpB4d4gv0aPb6CUywYiIBtXbvF21dlUEsj40P2wTo04DfNKTqg-3= DuPaL_y6r4Y-2Fjyz39fUgiIVZvxszI1-2BOksX762wK6L32M97xg1cf2BFSLL6DCWR6rwb8lAn= kNl5-2FWAUTS0rtKWQxACAgl8Bs-2BkM8YfQH-2FncRn9513CidysmZZ5pBh0YPCaTFwRkDVE31= h56eRPy-2Bn1sSPPcRZV-2Fiw8VtolCiMbkKs21hg5Gbm1-2FDq0La1dclkSOe8dOQfS-2BNMNG= ztkbsvLqatLzuZcHAGrcDzhlmu1irAhvDDeALXp25b3m4O-2Bz2lBR2LBa1vVkIEqUotgG2HMv4= IN2peQfUXAm4EokTJu-2B1ssof4EKOxxnjukv2-2FoBeJ-2Ffn89vBoQRZe5uRLF84XTuDSQDPo= wzVemJ-2Brr7osM1u76wcV1Y6QDjyF3w9ZtNSi7gYiroUq7mv74Y-2FFUQTWKEFfsvxbbpzv6Xz= CGyaHaZm3a1UdsOrE04XaYM7Pvtbc0xvnBHzYllRJYhdH3NpNU7rKFqwb5pBK3JMX4Q8R6ZmZ0c= SOYQfVeWNJ0sSMSLOJqOG9xBE9wuSiEQBg0ZphkMjXWFd-2Bu-2Ff3-2BVkmmoJjLy5gSeKEZCu= wLhGyQuDy2nLi9Ja1boTBF5uf79NKcSIJRbobRf0ORglbS04QrCpOayNsdL-2FDqpk7VDbd9NjK= 2-2F3Toq8WqzsL7mowc7bTgfoTznqWrY0Ld9kwviGMVcsLJ3pgHa5F8a8ar4kKOuB4kBu3KckPc= VgvAAcF9D8oC6IcPDFtnI7hck7kfLpOMXTOUJZD9Up0-3D ) =20 Today=E2=80=99s top stories Stealth wealth is cutting in line Nobody likes to wait, and premium-priced fast pass programs are swee= ping through airports and amusement parks. Is this the new status symbol? <= br /> Read more >> Yes, your meetings could be better Here are 4 ways to breathe new life into workplace meetings in today=E2=80= =99s hybrid environment.
Read more >> How does the mortgage interest rate tax deduction work? Buying a home can be the first step to creating generational wealth for you= r family. And if you have a mortgage, it=E2=80=99s key to know about the in= terest rate tax deduction.
Read more >> Other news that caught our eye * Google changed the n= ame of its chatbot from Bard to Gemini as it launched a p= aid subscription plan to compete with Microsoft and OpenAI. * McDonald=E2=80=99s plans= to open roughly 1,000 new restaurants in China before the end of 2024 = amid growing demand for affordable dining options. * The CEO of Ozempic-maker Novo Nordisk says he has received calls from conce= rned food company CEOs over the impact of its weight-loss drug. * Consulting firm McK= insey placed 3,000 workers on review over unsatisfactory performance as= the consulting business slows. * Taylor Swift=E2=80=99s The Eras Tour concert film will exclusiv= ely stream on Disney+ starting March 15 and will include five additiona= l songs. Financial planner tip of the day =E2=80=9CAs you work your way toward a down pa= yment for a house, setting a goal can be a sound step toward making it a re= ality. A mortgage calculator can help you estimate how much you can borrow,= play with different down payment options, and view different monthly mortg= age payment options (how much your monthly mortgage payments will be).=E2= =80=9D =E2=80=93 Brian Walsh, CFP=C2=AE at SoFi How did you like today=E2=80=99s newsletter? smartphone=20 ( http://ablink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRaRff73-2BF= o3ODGoJg0KZytQSB4s6OogQyh8J0t3tL-2FMqZBai7q19wKOdQIoVZhHa5nQJMkvWhXyl3m6kzp= U60-2BpllGqw8-3DO5_W_y6r4Y-2Fjyz39fUgiIVZvxszI1-2BOksX762wK6L32M97xg1cf2BFS= LL6DCWR6rwb8lAnkNl5-2FWAUTS0rtKWQxACAgl8Bs-2BkM8YfQH-2FncRn9513CidysmZZ5pBh= 0YPCaTFwRkDVE31h56eRPy-2Bn1sSPPcRZV-2Fiw8VtolCiMbkKs21hg5Gbm1-2FDq0La1dclkS= Oe8dOQfS-2BNMNGztkbsvLqatLzuZcHAGrcDzhlmu1irAhvDDeALXp25b3m4O-2Bz2lBR2LBa1v= VkIEqUotgG2HMv4IN2peQfUXAm4EokTJu-2B1ssof4EKOxxnjukv2-2FoBeJ-2Ffn89vBoQRZe5= uRLF84XTuDSQDPowzVemJ-2Brr7osM1u76wcV1Y6QDjyF3w9ZtNSi7gYiroUq7mv74Y-2FFUQTW= KEFfsvxbbpzv6XzCGyaHaZm3a1UdsOrE04XaYM7Pvtbc0xvnBHzYllRJYhdH3NpNU7rKFqwb5pB= K3JMX4Q8R6ZmZ0cSOYQfVeWNJ0sSMSLOJqOG9xBE9wuSiEQBg0ZphkMjXWFd-2Bu-2Ff3-2BVkm= moJjLy5gSeKEZCuwLhGyQuDy2nLi9Ja1boTBF5uf79NKcSIJRbobRf0I5f9GRhNl-2BInHdyi-2= F54GqmzhozlGS2SLH3A8SbwNiOYD2OJMM9pvN-2BQuHzCGOStBvl-2FHXJXa7sKumFZgx9wZ2a-= 2BBWNVtCxLy-2Fz9UES4N-2BezTXcLABC37qYnpyXpUhYxleu4-2FP2QWekfd8MinWlF8E-3D ) smartphone=20 ( http://ablink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRaRff73-2BF= o3ODGoJg0KZytQSB4s6OogQyh8J0t3tL-2FMqZBai7q19wKOdQIoVZhHa5nQJMkvc0D7R-2FMLk= VK8LS9x136c4Y-3DmM27_y6r4Y-2Fjyz39fUgiIVZvxszI1-2BOksX762wK6L32M97xg1cf2BFS= LL6DCWR6rwb8lAnkNl5-2FWAUTS0rtKWQxACAgl8Bs-2BkM8YfQH-2FncRn9513CidysmZZ5pBh= 0YPCaTFwRkDVE31h56eRPy-2Bn1sSPPcRZV-2Fiw8VtolCiMbkKs21hg5Gbm1-2FDq0La1dclkS= Oe8dOQfS-2BNMNGztkbsvLqatLzuZcHAGrcDzhlmu1irAhvDDeALXp25b3m4O-2Bz2lBR2LBa1v= VkIEqUotgG2HMv4IN2peQfUXAm4EokTJu-2B1ssof4EKOxxnjukv2-2FoBeJ-2Ffn89vBoQRZe5= uRLF84XTuDSQDPowzVemJ-2Brr7osM1u76wcV1Y6QDjyF3w9ZtNSi7gYiroUq7mv74Y-2FFUQTW= KEFfsvxbbpzv6XzCGyaHaZm3a1UdsOrE04XaYM7Pvtbc0xvnBHzYllRJYhdH3NpNU7rKFqwb5pB= K3JMX4Q8R6ZmZ0cSOYQfVeWNJ0sSMSLOJqOG9xBE9wuSiEQBg0ZphkMjXWFd-2Bu-2Ff3-2BVkm= moJjLy5gSeKEZCuwLhGyQuDy2nLi9Ja1boTBF5uf79NKcSIJRbobRf2mdep7jN-2B4gOLpjq9kH= Q3MLSFs-2BVmF7JE2uIAuU2r40PgSo9Lze8LzTnUnEJBTtZa7ncXLLLkFBAjLPsvYXKX3W6-2Fc= vj3WibnjKo2Vt-2BTkNjJeu3UZSZwmFo2vdTihLUpad27xqiqrP44Cu8YMZG4w-3D ) smartphone=20 ( http://ablink.daily.sofi.com/ls/click?upn=3D62LepVu039-2FQ-2FFRaRff73-2BF= o3ODGoJg0KZytQSB4s6OogQyh8J0t3tL-2FMqZBai7qWWeFs92bjCEONSFB0-2Bc9yCt-2B5yeL= R0AURdZIv5h5Xr0-3DkHEm_y6r4Y-2Fjyz39fUgiIVZvxszI1-2BOksX762wK6L32M97xg1cf2B= FSLL6DCWR6rwb8lAnkNl5-2FWAUTS0rtKWQxACAgl8Bs-2BkM8YfQH-2FncRn9513CidysmZZ5p= Bh0YPCaTFwRkDVE31h56eRPy-2Bn1sSPPcRZV-2Fiw8VtolCiMbkKs21hg5Gbm1-2FDq0La1dcl= kSOe8dOQfS-2BNMNGztkbsvLqatLzuZcHAGrcDzhlmu1irAhvDDeALXp25b3m4O-2Bz2lBR2LBa= 1vVkIEqUotgG2HMv4IN2peQfUXAm4EokTJu-2B1ssof4EKOxxnjukv2-2FoBeJ-2Ffn89vBoQRZ= e5uRLF84XTuDSQDPowzVemJ-2Brr7osM1u76wcV1Y6QDjyF3w9ZtNSi7gYiroUq7mv74Y-2FFUQ= TWKEFfsvxbbpzv6XzCGyaHaZm3a1UdsOrE04XaYM7Pvtbc0xvnBHzYllRJYhdH3NpNU7rKFqwb5= pBK3JMX4Q8R6ZmZ0cSOYQfVeWNJ0sSMSLOJqOG9xBE9wuSiEQBg0ZphkMjXWFd-2Bu-2Ff3-2BV= kmmoJjLy5gSeKEZCuwLhGyQuDy2nLi9Ja1boTBF5uf79NKcSIJRbobRfwMkhQdm7l4hFtSbHVoW= b4k9XwJAter9cku17Wymta4Q4DEkOfnE4nITb6D3dQscDPowRCx3xnf2f2TuadyDQNAwZ1mbW0w= DIUsVT9EnNtIBmP6g8LKVwaTobP1olfRPqlQRNoQF5O8njfNeh7IbBXU-3D ) This email was sent to you at sterlingwhg@gmail.com by SoFi Wealth LLC. 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Friday =E2=80=A2
FEB 9, 2024
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=C2=A0 Market Recap =C2=A0
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Dow Jones
38,726.33
(+0.13%)
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S&P 500
4,997.91
(+0.06%)
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Nasdaq
15,793.71
(+0.24%)
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Arm
$113.89
$36.88 (+47.89%)
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Disney
$110.54
$11.40 (+11.5%)
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Ralph Lauren=
$171.85
$24.71 (+16.79%)
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=C2=A0 If the economy is so strong, why are public companies hoard= ing cash? =C2=A0
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=C2=A0 MARKET RECAP =C2=A0
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=C2=A0 Chip designer Arm=E2=80=99s sto= ck soared 47.9% after surpassing analyst expectations and issuing = strong guidance. Other strong performers of the day included Disney= , the shares of which 11.5% after beating profit estimates, increa= sing its dividend by 50%, and announcing a $1.5 billion investment for a st= ake in Fortnite-owner Epic Games. Shares of Ralph Lauren s= urged 16.8% after beating estimates thanks to strong holiday season sales, = and shares of chocolate manufacturer Hershey climbed 4.1% = also after beating earnings expectations.
  • Shares of PayPal tumbled 11.2%<= /strong> after its full-year and first-quarter guidance came in below estim= ates. In the healthcare space, shares of pharmaceutical giant Astra= Zeneca fell 4.6% after reporting earnings below expectations, a de= parture from peers Eli Lilly, Pfizer, and Merck, all of which recently repo= rted earnings beats. Johnson & Johnson=E2=80=99s consumer-health sp= in-off Kenvue also saw its shares slide 5.8% after missing revenue= estimates and forecasting full-year earnings below expectations.
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  • Spirit Airlines reported a smal= ler-than-expected loss and forecasted positive cash flow in the se= cond quarter, sending its stock 3.3% higher.
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  • Oil prices rose more than 3% on continued turmoil in the Middle East.
  • Richmond Fed President Thomas Barkin warned the fight against = inflation wasn=E2=80=99t over, and that it would be smart for the = Federal Reserve to make sure inflation is cooling consistently without the = risk of a rebound.
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    =C2=A0 2023 Consumer Price Index revisions.
  • In earnings, PepsiCo will report.
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    =C2=A0 America=E2=80=99s wealth gap: Inequality in home buying =C2=A0
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    But a report from the Consumer Financial Protect= ion Bureau showed that lenders more frequently reject applications over= lack of income, and Black borrowers had the highest denial rates at nearly= 17% in 2022. For non-Hispanic, White applicants that rate was below 7%.

    The road to getting a loan

    The disparities continue for those who are approved for a loan: For Black a= nd Hispanic borrowers, the median home loan rate was above 5%, compared to = below 5% for White and Asian borrowers.

    With homeownership being a bedrock of generational wealth creation, the bar= riers to entry for some demographics have a lasting impact on communities.

    See how employers can help first-time homebuyers. And if you= =E2=80=99re looking for a home loan, SoFi can help with that.=20     		=C2=A0
    =C2=A0 3D"piggy =C2=A0
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    =09 =09 =09 =20 =20 =20 =20 =20 =20 =20 =20 =20
    =C2=A0 Toda= y=E2=80=99s top stories =C2=A0
    =C2=A0 Read more >> =09 =C2=A0
    =C2=A0 Read more >> =C2=A0
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    =09 =09
    =C2=A0 Financial planner tip=  of the day =C2=A0
    =C2=A0 How did you = ;like today=E2=80=99s newsletter? =C2=A0
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    =09
     
    =C2=A0 This email was sent to you at sterlingwhg@gmail.com by= SoFi Wealth LLC. (SoFi) because you=E2=80=99re enrolled in the SoFi Daily.= If you do not want to receive SoFi Daily emails, click here to unsubsc= ribe.
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    Terms and conditions apply. Before you apply for a SoFi Mortgage, please no= te that not all products are offered in all states, and all loans are subje= ct to eligibility restrictions and limitations, including requirements rela= ted to loan applicant=E2=80=99s credit, income, property, and loan amount. = Minimum loan amount is $75,000. Lowest rates are reserved for the most cred= itworthy borrowers. Products, rates, benefits, terms, and conditions are su= bject to change without notice. Learn more at SoFi.com/eligibility-criteria= . Information current as of 02/08/24.

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