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=E2=80=A6and Target=E2=80=99s discr= etionary earnings
 
=
Premiu= m anxiety (Joe Buglewicz/Getty Images)
 
= <= /div>
Sponsored by
<= /a>
<= /table>

Hey Snackers,

Vol= kswagen debuted an all-electric update of its iconic = hippie van. But with just 234 miles of range, it=E2=80=99s not exac= tly cut out for #VanLife. Burners headed from San Francisco to Black Rock C= ity this weekend would need to find a charging oasis mid-desert.

Stoc= ks rose yesterday as July=E2=80=99s Fed meeting minutes boosted rate-cut ho= pes. Also juicing bets on a September slash: a massive downward revision in payroll growth. The Labor Department = said the US had created 818K fewer jobs than originally reported in the yea= r through March.

 
HIKE
<= !--[if mso | IE]><= /table>
=

Healthcare premiums are set to spike as Am= ericans get squeezed by medical costs

Hea= lth=E2=80=99s at a premium=E2=80=A6 That cost-of-living pay raise may b= e even less exciting next year. Health-industry forecasts say that employer= s=E2=80=99 healthcare costs will jump by 9% next year =E2= =80=94 up from this year=E2=80=99s 6% hike (which was already above the fiv= e-year average). That would push the cost per employee to more than $16K, w= hich could see a larger chunk taken out of paychecks.

  • Blockbusters: More= than half of employers say GLP-1s (think: Novo Nordisk=E2=80=99s Oz= empic and Wegovy) are driving up their costs. Drug costs rose to 27% of com= panies=E2=80=99 health bills, up from 21% two years ago.

  • In the middle: Last month the FTC dropped= a scathing report saying= that the biggest pharmacy benefit managers from companies like UnitedHe= alth and CVS could be inflating drug costs. Meanwhile, 37% of co= mpanies say they plan to find a new PBM next year.

  • Flashing the card: Major insurers have reported = spiking medical costs as patients return to hospitals and doctors=E2=80=99 = offices. UnitedHealth said its costs rose 9% last quarter. Aetna parent CVS= this month said its medical costs could continue to climb this year.

The affordability crunch=E2=80=A6 Healthcare=E2=80=99s bi= te out of Americans=E2=80=99 budgets is getting bigger. Over the past decad= e, the cost of prescription drugs has risen 37% in the US, where medical de= bt is the leading driver of bankruptcy. Americ= ans spend more on healthcare than people in any other major country, and ab= out half said they=E2=80=99ve struggled to cover medical costs recently.

THE TAKEAW= AY

Climbing costs t= end to trickle down=E2=80=A6 While employers have swallowed the bulk of= swelling healthcare costs in recent years, more could be passed on to work= ers in a weaker labor market. The chunk of the premium footed by employ= ees rose more than 3% this year to nearly $5K/worker (more than the five-ye= ar average annual hike of about 1%). Nearly half of employers said they=E2= =80=99re likely to shift rising costs onto their workers next year.

<= a href=3D"https://sg.robinhood.com/ls/click?upn=3Du001.XlCJqwwOL58T-2B5u1T1= OmQNd-2F4YHlraIIAxuA95HfFppea7MORC-2FYSgoUOcfFIQYT7-2B5g6tHdnPwZX6sFXT3Xhgs= JGeMVgTa2Ua1yt-2BkIj8hY99vJ8bQVJe4nqxMxZ91S0gX8BpTfBOp7OHuyh371SKB2DiWWkG8O= cEyUVJZb53jKJGx-2F8BhBim65i3FISSHC5-2BY8ZxDlL8YIfVTvSkFflpIXukNPNYfDwHAqr62= WRaYEgbzlyyjPxO6qv5BvLL7r4ZUus5RID5agkUtpshf2RQ-3D-3D1Fcg_IHWeHh5OxE-2FFI4J= uNZQ4XTt6Ks7Su2x6u3F6QZGQ-2BodgnEHT8k5DyHF5uhkmwojR-2BCVEkH7dlnAOQm3TtbWy6N= zDzXtkLGBb5l01Kp4qTKvJDSnPmnGcbtbVfngSkMM-2FitjdWvmqo4BAMskrQxnqFZKmaLJ8QhE= FHBklsR74dUYy4PQZZ6W4TGrAfWF-2FYq-2BiffONuMmnbZ-2FeWF3FfsvN-2FJomZgGC15XcDo= WFAJZvzfYURXt-2BVMtWoeMe5j0SWjUSx7kJVJQWUFRZGg8BZXIiw5jWF7EJVlkslzvz0hu10le= LK7STapCYC1x4t0TGuRg5kajgaCNbiWteg-2BAw92L2HMvUpO3LGhM-2F4pNt-2BhE79Fk-2F8A= qZL-2Feyx0tb4881ore866YpHcQ0juc-2Bwi-2FWQTHmB6YxtUZKasDCRmhrifA5Ctlyd69tnOZ= LYGjUVSwlItQKncUCEi4uw69j14arIPu4lzz-2FAdkJyhbDwbOkbo4ODOB13zhOBu1nl9rbHBT4= zwVXkjumxJ5qxyU5OJTEWzmtqyG8pc8W6nbOlU0tW1GHLNkyEmhgvca9TPWImdaiD7u9H6mQuCH= iGgvSpG1wBwV110oKYViwq-2BGhhzwGqmzKFBBbf5oSl-2FLldKpc51yTmtYjX-2B-2BSn3oFFW= o6OViwByVocYMmHG27yDRKtuyW5QTuBSNlVoFnmyFQqxG4yc-2FkOwyQnzgmDWgwyHw1AhQ2sdF= vgQ-3D-3D rel=3D"noopener" style=3D"color:#5869FF;font-weight:bold;text-dec= oration:underline;text-decoration-thickness:2px;text-underline-offset:1px" = target=3D"_blank" class=3D"css-0">Read this online

Sponsored by
=
=
<= img height=3D"auto" src=3D"https://sg.robinhood.com/ls/click?upn=3Du001.XlC= JqwwOL58T-2B5u1T1OmQJT9rVL3g6q7sGZIgQI0SFZrXFNn5QulsxH4Vu-2BT-2FiB2EU2r4Jzs= Gs8q8R1ISPlkcNZXHGzXwJdt8EWHNErC-2FC6nb2wa9U8bI0IJZ3S5Vt473gjpr9ikXlyc-2F9L= VMb5JXbtngYBOX8-2B56iMJdgi8ssc-3DecC7_IHWeHh5OxE-2FFI4JuNZQ4XTt6Ks7Su2x6u3F= 6QZGQ-2BodgnEHT8k5DyHF5uhkmwojR-2BCVEkH7dlnAOQm3TtbWy6NzDzXtkLGBb5l01Kp4qTK= vJDSnPmnGcbtbVfngSkMM-2FitjdWvmqo4BAMskrQxnqFZKmaLJ8QhEFHBklsR74dUYy4PQZZ6W= 4TGrAfWF-2FYq-2BiffONuMmnbZ-2FeWF3FfsvN-2FJomZgGC15XcDoWFAJZvzfYURXt-2BVMtW= oeMe5j0SWjUSx7kJVJQWUFRZGg8BZXIiw5jWF7EJVlkslzvz0hu10leLK7STapCYC1x4t0TGuRg= 5kajgaCNbiWteg-2BAw92L2HMvUpO3LGhM-2F4pNt-2BhE79Fk-2F8AqZL-2Feyx0tb4881ore8= 66YpHcQ0juc-2Bwi-2FWQTHmB6YxtUZKasDCRmhrifA5CtnZEHrUqkb-2BCexOUK62OwMi9-2B8= GlHSbs9igydV7IkC9uHhw3qdxG-2BL3TeuHKiCNeOEqqk0tggEU0-2Bt-2BaXluK3pVyvcYId5G= RkNqnKGHUlDxEaUdBC8ZUwohZV6if-2Fkg7fkawTlV1xn3xf6ACwOgWvdz7oPMLSorLvraEti3C= ydHXYjrwVGCy6M3vw6nSwGAd8t7xkT3j0YXrZEfA-2BjDM-2BFitNkA6xjbxlyTaiHCzRyWORZn= KNYtk7MwBqXedL9wIoTlcT-2BvFIOtrpuHKN3TcWVb97TfKQ9kZ4D10SeaYuCi1g-3D-3D styl= e=3D"border:0;display:block;outline:none;text-decoration:none;height:auto;w= idth:100%;font-size:13px;" width=3D"536">

Could This be the Big= gest Disruption to IP Since Disney?

History = is being made in the $2T1 global entertainment & media indus= try and yo= u can get a piece by investing in Elf Labs =E2=80=94 but only for a= limited time.2

With over 100 historic trademark victories= , Elf Labs owns rights to some of the highest-grossing characters in his= tory, including Cinderella, Snow White, Little Merm= aid, and more. These icons have generated tens of bil= lions in merchandise revenue alone, since their inception.

Now, Elf L= abs is revolutionizing these characters with patented next-gen technology, = including AR, VR and advanced compression algorithms for an unprecedented l= evel of immersion. From virtual reality =E2=80=94 without headsets =E2= =80=94 to AI-powered talking toys, this may be the biggest disruption t= o IP since Disney.

Become an Elf Labs shareholder now and get 5% bonus shares= .3 Check out more exclusive investor perks here!4

<= /table>

=
Bull= =E2=80=99s-eye
<= /table>
<= td align=3D"center" class=3D"light" style=3D"font-size:0px;padding:10px 25p= x;padding-top:24px;padding-right:0;padding-bottom:24px;padding-left:0;word-= break:break-word;">

Target hits a= n earnings bull=E2=80=99s-eye as folks start reaching for =E2=80=9Cnice to = have=E2=80=9D products

Quick Tarjay run= =E2=80=A6 Target stock popped 11% yesterday after the retailer beat<= /a> second-quarter expectations with sales rising 3% from a year earlier. I= t was an improvement from Q1, when sales dipped 3% as shoppers cut back on = everything from paper towels to home decor. Target=E2=80=99s profit popped = 40% as folks spent more on higher-margin discretionary items (groceries are= generally not that profitable). Notably, Target=E2=80=99s apparel sales we= re up 3% (and sundresses are more lucrative than salad dressing).

= In my discretionary era=E2=80=A6 Americans may be shifting back into th= e =E2=80=9Cdon=E2=80=99t need it but want it=E2=80=9D ethos. Target said th= at last quarter it saw an uptick in visits to its stores and website, and t= hat consumers were starting to spend more on nice-to-have products like bat= hing suits and scented candles. Walmart also unloaded strong sales g= rowth as merch sales (think: air fryers, sports gear) rose for the first ti= me in 11 quarters. Meantime, discount-clothing retailers were humming along= as folks treasure-hunted for deals like $12 Levi=E2=80=99s.

THE TAKEAWAY
<= /div>

If the price is right, they might bite=E2=80= =A6 Retailers are focusing on value to lure inflation-weary shoppers, a= nd it seems to have paid off. In May, Target said it would cut pric= es on 5K+ consumer staples, and its CEO said the price reductions drove hig= her traffic last quarter. Walmart said it cut prices on 7K+ items, and it a= lso unloaded a strong quarter. Walmart and Target have also hosted Amazon Prime-rivaling = summer sales events to drive demand.

Read this online

<= /table>
What else we're Snackin'

    Skrrt: <= b>Alphabet=E2=80=99s Waymo said it doubled its paid rides over the past= three months to 100K/week. Waymo=E2=80=99s the only self-driving ride-hail= service on US roads, but this fall Tesla plans to debut robotaxis.<= /p>

  • Buzz: Beyonc= =C3=A9 teamed up with LVMH=E2=80=99s Mo=C3=ABt Hennessy to launch he= r first whiskey line, SirDavis. The singer joins A-listers like George Cloo= ney and Kendall Jenner who=E2=80=99ve started premium-booze brands.=C2=A0

  • Unplug<= /u>: Ford=E2=80=99s chopping 10% off its EV budget and scrap= ping plans for an electric 3-row SUV. As it loses millions on its gas-less = lineup, Ford said it=E2=80=99ll make two electric pickups, an EV van, and a= hybrid SUV.

  • Mic: =E2=80=9CCall Her Daddy=E2=80=9D host = Alex Cooper signed a reported $100M+ podcast deal with SiriusXM, aft= er her Spotify exclusivity ended this year. Streamers have made huge= deals with top hosts to lock in listeners.

  • Keeps= : Amazon=E2=80=99s letting its sellers issue refunds for= some returns without getting the product back, which can be a hassle. An e= stimated 20% of online purchases are returned, costing retailers $642B/year= .

=
=
<= /table>
Snack = Fact Of the Day

Out-of-netwo= rk ATM withdrawal fees hit a record average high of $4.77

<= /table>
=
Thursday

  • US initial jobless claims and existing-home sales

  • Jackson Hole Economic Policy Symposium opens

    =

  • Earnings expected from Baidu, P= eloton, Advance Auto Parts, BJ=E2=80=99s Wholesale Club, TD Bank, Workday, = Intuit, Ross Stores, and Cava

Authors of this Sn= acks own shares of: Alphabet, Amazon, CVS, and Walmart

Advertiser= =E2=80=99s disclosure:
=C2=B9 PWC Perspectives from the Global Entertainment & Media = Outlook 2024=E2=80=932028: Seizing growth opportunities in a dynamic ecosys= tem, July 2024.

=C2=B2 The end date of this offering is April 1, = 2025.

=C2=B3 A minimum investment of $2000 is required to receive the= 5% bonus shares.

=E2=81=B4 This is a paid advertisement for Elf Labs= =E2=80=99 Regulation CF Offering. Please read the offering circular and rel= ated risks at elflabs.com= .

Start-up investments are speculative and involve a high degree of r= isk. Those investors who cannot afford to lose their entire investment shou= ld not invest in start-ups. Companies seeking startup investment tend to be= in earlier stages of development and their business model, products and se= rvices may not yet be fully developed, operational or tested in the public = marketplace. There is no guarantee that the stated valuation and other term= s are accurate or in agreement with the market or industry valuations. Furt= her, investors may receive illiquid and/or restricted stock that may be sub= ject to holding period requirements and/or liquidity concerns.

<= /tr>
<= /div>
Sherwood Media, LLC produces fresh = and unique perspectives on topical financial news and is a fully owned subs= idiary of Robinhood Markets, Inc., and any views expressed here do not nece= ssarily reflect the views of any other Robinhood affiliate... See more
Sherwood Terms and Conditions =E2=80= =A2 Our Ed= itorial Standards =E2=80=A2 Contact Us =E2=80=A2 Privacy Policy =E2=80=A2 Advertis= e with us
--d9c1efa1b1d0477becdab2f9d089812297f8702a46d1de061ada4d93c6b8 Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset=utf-8 Mime-Version: 1.0
=E2=80=A6and Target=E2=80=99s discr= etionary earnings
 
=
Premiu= m anxiety (Joe Buglewicz/Getty Images)
 
=
<= /div>
=
Sponsored by
=
<= /table>

Hey Snackers,

Volkswa= gen debuted an all-electric update of its iconic hippie van. But with just 234 miles of range, it= =E2=80=99s not exactly cut out for #VanLife. Burners headed from San Franci= sco to Black Rock City this weekend would need to find a charging oasis mid= -desert.

Stocks rose yesterday as July=E2=80=99s Fed meeting minutes = boosted rate-cut hopes. Also juicing bets on a September slash: a mass= ive downward revision in payroll growth. The Labor Department= said the US had created 818K fewer jobs than originally reported in the ye= ar through March.

<= !--[if mso | IE]>
 
3D""
HI= KE
<= /table>

Climbing costs tend to trickle down=E2=80=A6 While employers ha= ve swallowed the bulk of swelling healthcare costs in recent years, more co= uld be passed on to workers in a weaker labor market. The chunk = of the premium footed by employees rose more than 3% this year to nearly $5= K/worker (more than the five-year average annual hike of about 1%). Nearly = half of employers said they=E2=80=99re likely to shift rising costs onto th= eir workers next year.

Read this online

Healthcare premium= s are set to spike as Americans get squeezed by medical costs

Health=E2=80=99s at a premium=E2=80=A6 That cost-o= f-living pay raise may be even less exciting next year. Health-industry for= ecasts say that employers=E2=80=99 healthcare costs will jump by 9% next year =E2=80=94 up from this year=E2=80=99s 6= % hike (which was already above the five-year average). That would push the= cost per employee to more than $16K, which could see a larger chunk taken = out of paychecks.

  • Blockbusters: More than half of employers say GLP-1s (= think: Novo Nordisk=E2=80=99s Ozempic and Wegovy) are driving up the= ir costs. Drug costs rose to 27% of companies=E2=80=99 health bills, up fro= m 21% two years ago.

  • In the = middle: Last month the FTC dropped a scathing report saying that the biggest pharmacy ben= efit managers from companies like UnitedHealth and CVS could = be inflating drug costs. Meanwhile, 37% of companies say they plan to find = a new PBM next year.

  • Flashin= g the card: Major insurers have reported spiking medical costs as patie= nts return to hospitals and doctors=E2=80=99 offices. UnitedHealth said its= costs rose 9% last quarter. Aetna parent CVS this month said its medical c= osts could continue to climb this year.

The affordabilit= y crunch=E2=80=A6 Healthcare=E2=80=99s bite out of Americans=E2=80=99 b= udgets is getting bigger. Over the past decade, the cost of prescription dr= ugs has risen 37% in the US, where medical debt is the leading driver of b= ankruptcy. Americans spend more on healthcare than people in any other majo= r country, and about half said they=E2=80=99ve struggled to cover medical c= osts recently.

=
THE TAKEAWAY

Sponsored by
=
<= /td>

Could This be th= e Biggest Disruption to IP Since Disney?

H= istory is being made in the $2T1 global entertainment & medi= a industry and you can get a = piece by investing in Elf Labs =E2=80=94 but only for a limited tim= e.2

With over 100 historic trademark victories, Elf Lab= s owns rights to some of the highest-grossing characters in history, in= cluding Cinderella, Snow White, Little Mermaid, and more. These icons have generated tens of billions in mer= chandise revenue alone, since their inception.

Now, Elf Labs is revol= utionizing these characters with patented next-gen technology, including AR= , VR and advanced compression algorithms for an unprecedented level of imme= rsion. From virtual reality =E2=80=94 without headsets =E2=80=94 to = AI-powered talking toys, this may be the biggest disruption to IP since Dis= ney.

Become an Elf Labs shareholder now and get 5% bonus shares.3 Check out more e= xclusive investor perks here!4

<= /table>

=
Bull= =E2=80=99s-eye
<= /table>

Target hits a= n earnings bull=E2=80=99s-eye as folks start reaching for =E2=80=9Cnice to = have=E2=80=9D products

Quick Tarjay run= =E2=80=A6 Target stock popped 11% yesterday after the retailer beat second-quarter expectations with sales rising 3% from a y= ear earlier. It was an improvement from Q1, when sales dipped 3% as shopper= s cut back on everything from paper towels to home decor. Target=E2=80=99s = profit popped 40% as folks spent more on higher-margin discretionary items = (groceries are generally not that profitable). Notably, Target=E2=80=99s ap= parel sales were up 3% (and sundresses are more lucrative than salad dressi= ng).

In my discretionary era=E2=80=A6 Americans may be shiftin= g back into the =E2=80=9Cdon=E2=80=99t need it but want it=E2=80=9D ethos. = Target said that last quarter it saw an uptick in visits to its stores and = website, and that consumers were starting to spend more on nice-to-have pro= ducts like bathing suits and scented candles. Walmart also unloaded = strong sales growth as merch sales (think: air fryers, sports gear) rose fo= r the first time in 11 quarters. Meantime, discount-clothing retailers were= humming along as folks treasure-hunted for deals like $12 Levi=E2=80=99s.<= /p>

  • M= axx=E2=80=99d out: TJX =E2=80=94=C2=A0the parent of TJ Maxx, Marshalls,= and HomeGoods =E2=80=94 said yesterday that its same-store sales popped 4%= last quarter, and that the boost was =E2=80=9Centirely driven=E2=80=9D by = more transactions. Rival Ross reports today.

THE TAK= EAWAY

If the price = is right, they might bite=E2=80=A6 Retailers are focusing on value to l= ure inflation-weary shoppers, and it seems to have paid off. In May, Target said= it would cut prices on 5K+ consumer staples, and its CEO said the price re= ductions drove higher traffic last quarter. Walmart said it cut prices on 7= K+ items, and it also unloaded a strong quarter. Walmart and Target have al= so hosted Amazo= n Prime-rivaling summer sales events to drive demand.

Read this online

<= /div>

<= /table>
What else we're Snackin'

    Skrrt: Alpha= bet=E2=80=99s Waymo said it doubled its paid rides over the past three = months to 100K/week. Waymo=E2=80=99s the only self-driving ride-hail servic= e on US roads, but this fall Tesla plans to debut robotaxis.

  • Buzz: Beyonc=C3=A9 teamed up with LVMH=E2=80=99s Mo=C3=ABt Hennessy to launch her first whiskey line, SirDavis.= The singer joins A-listers like George Clooney and Kendall Jenner who=E2= =80=99ve started premium-booze brands.=C2=A0

  • Unplug: = Ford=E2=80=99s chopping 10% off its EV budget and scrapping plans for a= n electric 3-row SUV. As it loses millions on its gas-less lineup, Ford sai= d it=E2=80=99ll make two electric pickups, an EV van, and a hybrid SUV.

    =

  • Mic: =E2=80=9CCall Her Daddy=E2=80=9D host Alex = Cooper signed a reported $100M+ podcast deal with SiriusXM, after he= r Spotify exclusivity ended this year. Streamers have made huge deal= s with top hosts to lock in listeners.

  • Keeps: Amazon=E2=80=99s letting its sellers issue refunds for some = returns without getting the product back, which can be a hassle. An estimat= ed 20% of online purchases are returned, costing retailers $642B/year.

    <= /li>

=
<= /table>
Snack = Fact Of the Day

Out-of-netwo= rk ATM withdrawal fees hit a record average high of $4.77

<= /table>
=
Thursday

  • US initial jobless claims and existing-home sales

  • Jackson Hole Economic Policy Symposium opens

    =

  • Earnings expected from Baidu, P= eloton, Advance Auto Parts, BJ=E2=80=99s Wholesale Club, TD Bank, Workday, = Intuit, Ross Stores, and Cava

Authors of this Sn= acks own shares of: Alphabet, Amazon, CVS, and Walmart

Advertiser= =E2=80=99s disclosure:
=C2=B9 PWC Perspectives from the Global Entertainment & Media Out= look 2024=E2=80=932028: Seizing growth opportunities in a dynamic ecosystem= , July 2024.

=C2=B2 The end date of this offering is April 1, 202= 5.

=C2=B3 A minimum investment of $2000 is required to receive the 5%= bonus shares.

=E2=81=B4 This is a paid advertisement for Elf Labs=E2= =80=99 Regulation CF Offering. Please read the offering circular and relate= d risks at elflabs.com= .

Start-up investments are speculative and involve a high degree = of risk. Those investors who cannot afford to lose their entire investment = should not invest in start-ups. Companies seeking startup investment tend t= o be in earlier stages of development and their business model, products an= d services may not yet be fully developed, operational or tested in the pub= lic marketplace. There is no guarantee that the stated valuation and other = terms are accurate or in agreement with the market or industry valuations. = Further, investors may receive illiquid and/or restricted stock that may be= subject to holding period requirements and/or liquidity concerns.

<= /td>
Sherw= ood Media, LLC produces fresh and unique perspectives on topical financial = news and is a fully owned subsidiary of Robinhood Markets, Inc., and any vi= ews expressed here do not necessarily reflect the views of any other Robinh= ood affiliate... See more
--d9c1efa1b1d0477becdab2f9d089812297f8702a46d1de061ada4d93c6b8--