DAILY UPDATE: OpenAI & Microsoft as Stock Markets Surge

Posted on July 4, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

MEDICAL EXECUTIVE-POST – TODAY’S NEWSLETTER BRIEFING

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Essays, Opinions and Curated News in Health Economics, Investing, Business, Management and Financial Planning for Physician Entrepreneurs and their Savvy Advisors and Consultants

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OpenAI is giving its employees a mandatory week long vacation to stave off a poaching spree launched by Meta.

Microsoft announced another round of layoffs—its largest in years—expected to impact thousands of workers across Xbox and other divisions, including 830 from its Redmond, Washington, HQ.

CITE: https://tinyurl.com/2h47urt5

The S&P 500 and NASDAQ Composite tallied fresh record closing highs on Thursday, buoyed by a stronger-than-expected jobs report that helped dampen expectations for a Federal Reserve interest-rate cut in July. But after lagging their trendier rivals earlier in the year, the Russell 2000 and Dow Jones Industrial Average are finally starting to play catch up. On Thursday, the Russell 2000 turned positive for 2025 for the first time since February, as a rally that started in June has accelerated in July.

Many investors have been waiting patiently for small-cap stocks to break out. But aside from a few false starts over the past two years, they have mostly continued to lag their large-cap rivals. However, some investors believe things could finally be changing.

A team of strategists at Barclays pointed out on Wednesday that a proposed increase to interest-expense tax deductions in President Trump’s budget bill could boost small-cap companies’ earnings by double digits, due to their higher interest burdens. “This market broadening out is a heathy sign,” said Craig Johnson, chief market technician at Piper Sandler, during an interview with MarketWatch on Thursday. More small-cap participation inevitably means investors are developing more of a taste for stocks beyond information technology, which powered much of the market’s gains in 2023 and 2024.

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Friday, July 4, 2025

  • All U.S. markets will be closed in observance of Independence Day.
  • There will be no Pre-Market or After-Hours trading sessions.

Visualize: How private equity tangled banks in a web of debt, from the Financial Times.

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DAILY UPDATE: Merck and the Surging Stock Markets

Posted on April 25, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

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Merck rose 1.40% today after beating earnings expectations. The problem is that the pharma giant expects a $200 million hit to its bottom line due to tariffs. And that doesn’t count the potential additional pharmaceutical levies Trump has indicated he’s planning.

CITE: https://tinyurl.com/2h47urt5

🟢 What’s up

  • Alphabet warned some remote employees that they must return to the office three days a week or lose their jobs. Shareholders clearly approve: The stock gained 2.53%.
  • Amazon and Nvidia executives made it clear that contrary to popular belief, demand for AI data centers isn’t slowing down. Amazon rose 3.29%, while Nvidia climbed 3.62%.
  • Newmont gained 4.80% after the gold miner reported strong earnings thanks to gold’s incredible run.
  • ServiceNow soared 15.49% after the enterprise tech company posted a beat-and-raise earnings report.
  • Texas Instruments popped 6.56% thanks to a strong first quarter and healthy fiscal guidance from the domestic semiconductor company.
  • Chipotle eked out a 1.60% gain despite a mixed quarter that saw same-store sales fall for the first time since 2020.

What’s down

  • IBM topped analyst expectations on sales and profits, but the tech stock fell 6.58% thanks to a poor performance from its consulting and its mainframe businesses.
  • Nokia tumbled 8.65% following a big earnings miss last quarter, and warned that tariffs will take a serious toll on its business this quarter.
  • Fiserv plunged 18.52% after the software provider beat expectations for profits but missed on revenue.
  • Procter & Gamble outpaced Wall Street’s forecast for earnings but fell short on revenue and cut its fiscal guidance, pushing shares of the consumer goods giant down 3.74%.
  • Comcast also beat analyst estimates on both the top and bottom lines, but sank 3.71% after reporting it lost 199,000 broadband customers last quarter.

CITE: https://tinyurl.com/tj8smmes

  • Warren Buffett owns 5% of all Treasury bills—more than the Federal Reserve
  • A list of every company that’s announced it’s moving manufacturing to the US
  • Home sales fell 5.9% in March, their biggest drop since 2022
  • The $TRUMP crypto surged over 50% after President Trump invited the coin’s top 220 holders to a private dinner
  • Durable goods orders, AKA purchases of big-ticket items like autos and aircraft, popped 9.2% as people rushed to buy ahead of tariffs
  • Speaking of, US liquor exports surged 10% to a record $2.4 billion

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DAILY UPDATE: Pain MD and Measles Outbreak as Stock Markets Plunge Deep!

Posted on February 22, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

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Stat: 700,000. That’s how many “unnecessary and expensive” injections pain management company Pain MD gave patients over eight years, according to court documents in a healthcare fraud case that led to four employees pleading guilty or being convicted. (KFF Health News)

Quote: “A small measles outbreak could be the start of a public health catastrophe that is completely preventable.”—Alok Patel, a pediatrician at Stanford Children’s Health, on why he worries about the current US measles outbreak (ABC News)

CITE: https://tinyurl.com/2h47urt5

U.S. stocks plummeted on Friday on poor economic news. Consumer confidence weakened to the lowest level since November 2023, even as long-run inflation expectations rose to the highest since 1995. The services purchasing managers’ index fell into contractionary territory and January home sales contracted by more than expected.

The Dow Jones Industrial Index plunged by 724 points, or 1.6%, as of 3:30 p.m., the S&P 500 slid 1.6% and the NASDAQ Composite index fell about 2.1%. Adding to the negative sentiment: UnitedHealth fell almost 7% on news of a Justice Department investigation.

Notable market movers on Friday also included Alibaba, Celsius, Block, Dropbox.

CITE: https://tinyurl.com/tj8smmes

Visualize: How private equity tangled banks in a web of debt, from the Financial Times.

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DAILY UPDATE: Vanguard, US Jobs and UnitedHealthcare as the Markets Tank

Posted on February 8, 2025 by Dr. David Edward Marcinko MBA MEd CMP™

MEDICAL EXECUTIVE-POST – TODAY’S NEWSLETTER BRIEFING

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Essays, Opinions and Curated News in Health Economics, Investing, Business, Management and Financial Planning for Physician Entrepreneurs and their Savvy Advisors and Consultants

“Serving Almost One Million Doctors, Financial Advisors and Medical Management Consultants Daily“

A Partner of the Institute of Medical Business Advisors , Inc.

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SPONSORED BY: Marcinko & Associates, Inc.

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The U.S. added 143,000 jobs in January, fewer than economists expected, but the unemployment rate inched down to 4% from 4.1%, beating forecasts. Forecasters surveyed by Dow Jones had anticipated 169,000 payroll gains in January, after a surprisingly large 256,000 jump in December.

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Last month, the Securities and Exchange Commission said Vanguard would pay more than $100 million to settle charges for misleading statements related to capital gains distributions and tax consequences for retail investors who held Vanguard Investor Target Retirement Funds in taxable accounts.

CITE: https://tinyurl.com/2h47urt5

Major U.S. equities indexes moved lower to close out the trading week as the January jobs report showed slower-than-expected hiring but a down tick in the unemployment rate. Despite the slump in job additions, the overall resilience in the labor market could encourage the Federal Reserve to hold off on additional interest-rate cuts. The S&P 500 and the Dow ended Friday’s session with daily losses of roughly 1.0%. The tech-heavy NASDAQ fell 1.4%.

CITE: https://tinyurl.com/tj8smmes

Most notable this month is the appointment of Tim Noel as the new CEO of UnitedHealthcare after former CEO Brian Thompson was fatally shot in New York City in December.

Visualize: How private equity tangled banks in a web of debt, from the Financial Times.

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PODCAST: How Does Medical Debt Impact Your Credit Report?

Posted on September 24, 2024 by Dr. David Edward Marcinko MBA MEd CMP™

By Eric Bricker MD

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Are Doctors Protecting their Credit Standing?

Posted on April 3, 2013 by Dr. David Edward Marcinko MBA MEd CMP™

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Avoiding Credit Errors

By Lon Jefferies, MBA CFP™  http://www.NetWorthAdvice.comLon Jefferies

A clean, accurate credit history is a critical piece of the personal finance puzzle for doctors and us all. Staying on top of your credit standing over time can mean big savings since credit scores often determine your access to loans, interest rates, and monthly payments. An error on the report of any of the three major credit agencies – Experian, Equifax, or TransUnion – could be catastrophic next time you apply for a loan.

The Services

There are multiple credit-monitoring services you can utilize that charge approximately $15 per month, but these fees likely aren’t necessary. You can order a free credit report from each of the three major credit agencies every year by visiting AnnualCreditReport.com.

Additionally, several services will send you updates from the credit bureaus at no cost. Credit Sesame will track data on your Experian report daily and instantly email you if anything suspicious pops up. There are over 35 triggers for alerts, including new accounts opened, late payments, credit inquires, and address changes. The website also provides a running credit score daily.

Credit Karma has a similar tool that provides free daily monitoring of your TransUnion report. This tool also provides valuable data such as how many lines of credit are evaluated on your credit report and your auto insurance score (used to determine your insurance premiums).

Again, both monitoring tools are free, don’t require a credit card, and take no longer than a couple minutes to sign up for.

stand-out

Assessment

Getting an instant heads-up that there’s been a change in your report could help you fix errors quickly, catch an identity theft at work, or get on top of a delinquent account. As a doctor, you’ve worked hard to establish your credit, so make sure you protect it.

Conclusion

Your thoughts and comments on this ME-P are appreciated. Feel free to review our top-left column, and top-right sidebar materials, links, URLs and related websites, too. Then, subscribe to the ME-P. It is fast, free and secure.

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