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Good morning investors! The market was strong yesterday as stocks continue to break records.
Today we cover:
US economy is bad?
Apple comes with new products
Oracle shines
Sponsor: Pet insurance could help you offset rising veterinary costs
Veterinarians nationwide reported that corporate managers pushed clinics to focus on profit, with vets often paid based on revenue. This encouraged them to see more pets, order more tests, and upsell services, creating a growing burden for uninsured pet owners.
Pet insurance could help you offset some of these rising costs, with some providing up to 90% reimbursement. View Money’s top pet insurance picks to see plans starting at only $10/month.
📊 Economy and News
U.S. Job Growth Revised Down by 911,000
The U.S. economy added 911,000 fewer jobs than previously reported for the year prior to March 2025, with estimates suggesting a total reduction of 1.2 million jobs over 16 months.
This significant downward revision, the largest since 2002, signals a weaker labor market, increasing pressure on the Federal Reserve to cut interest rates.
Markets now expect a quarter-point rate cut at the Fed’s September 17, 2025, meeting, with some speculation of a half-point cut, and additional cuts at the three remaining 2025 meetings.
The revisions, primarily in leisure, hospitality, and professional services, reflect updated data from the Quarterly Census of Employment and Wages.
Despite the weak jobs data, Goldman Sachs estimates the reduction may be closer to 550,000, suggesting current conditions might not be as dire. The White House criticized the BLS and Fed Chair Jerome Powell, urging immediate rate cuts.
Global hits:
Japan manufacturers’ mood the best in three years after tariff deal.
Capital Economics sees oil prices falling to $50s by end of 2026.
U.K. tax gap remains at 5.3% as Chancellor prepares for Autumn Budget.
Reminder: Gold hit a record high above $3,600 an ounce, spurred by expectations of U.S. rate cuts, concerns about Federal Reserve independence and robust demand from investors and central banks.
Check this: Supreme Court will hear Trump tariffs case on fast track.
Trump signs memo to crack down on direct-to-consumer pharma ads. Also, he has asked EU to impose 100% tariffs on China, India to pressure Putin.
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📈 Stocks
S&P 500 6,512.61 (+0.27%)
DJIA 45,711.34 (+0.43%)
NASDAQ 21,879.49 (+0.37%)
BRENT CRUDE 66.83 (+0.57%)
* Prices as of Sep 10th, 12:20 AM UTC
Oracle jumps 26% thanks to high guidance
Oracle shares spiked 26% in extended trading after the software maker indicated hefty growth prospects even as earnings and revenue missed estimates.
Earnings per share: $1.47 adjusted vs. $1.48 expected
Revenue: $14.93 billion vs. $15.04 billion expected
Revenue increased 12% from a year earlier during the quarter, which ended on Aug. 31, according to a statement. Net income was about flat at $2.93 billion, or $1.01 per share, compared to $2.93 billion, or $1.03 per share, in the same quarter last year.
Oracle said its remaining performance obligation, a measure of contracted revenue that has not yet been contracted, now stands at $455 billion, up some 359% from a year earlier. During the quarter OpenAI said it signed an agreement with Oracle to develop 4.5 gigawatts of U.S. data center capacity.
iOS 26 Update: Available as a free software update on Monday, September 15, 2025.
New iPhones (Available September 19, 2025):
iPhone 17: Starts at $799, features an improved display with a higher refresh rate, enhanced camera, and a slightly larger screen in the same-sized body.
iPhone 17 Air: New titanium body, thinner and lighter, starts at $999.
iPhone 17 Pro: Now $1,099, includes 256GB base storage (up from 128GB).
iPhone 17 Pro Max: Starts at $1,199, new 2TB storage option added.
Apple Watch Series 11:
Includes updated SE and Ultra models, prices unchanged.
New health feature uses machine learning to detect high blood pressure risk.
AirPods Pro 3:
Priced at $249, with improved audio, better noise cancellation, and real-time conversation translation.
Check this: Airbus CEO reaffirms delivery guidance for 2025. Also, Chinese EV maker Xpeng plans to launch its mass-market Mona series outside of China.
U.S. retailer Walmart will launch its first branded stores in South Africa this year.
Lastly, Nasdaq plans to invest $50 million in Gemini in a partnership that will allow the stock exchange to offer Gemini’s custodial services to its financial institution clients. Gemini will also become a distribution partner for Nasdaq’s trade management system known as Calypso.
💵 Personal Finance
HSA invest vs spend, made practical
Health Savings Accounts can be stealth retirement vehicles if you are on a high‑deductible plan, because qualified medical withdrawals are tax‑free and contributions reduce your taxable income.
Today, take five minutes to decide whether to invest some of your HSA instead of leaving it in cash. IRS rules let you contribute pretax, grow tax‑deferred, and withdraw tax‑free for qualified medical expenses, defined in Publication 969 and the 502 list.
Many HSA providers now offer low‑cost index funds once you pass a cash threshold; fees and thresholds vary widely, so check your provider’s page before you switch on investing. If you routinely cover out‑of‑pocket costs from your checking account, you can save receipts and reimburse yourself years later, allowing invested HSA dollars more time to compound.
Today’s actions
Log in to your HSA and confirm the investment threshold and fund lineup, then move any excess cash above your comfort buffer into a broad index fund.
Use an HSA calculator to model tax savings and long‑run growth based on your contribution rate and expected medical spending.
Store digital copies of receipts for future tax‑free reimbursements and track your basis annually.
💰 Be a Better Investor
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Nothing in this newsletter is financial advice. Always do your own research and think for yourself.