MM #226: Hidden Gem Chip Stock, iPhone 16, Retirement Plan Guide, Become a CEO, & 2025 Recession Predictions

In this episode of Market Mondays, we dive into several pressing topics shaping the financial and tech landscapes:- How is Apple handling criticism over its latest iPhone models, and what does this mean for its future brand loyalty and market share?- What triggered Friday's market rally, and is it a short-term surge or the start of a longer recovery?- We break down the phrase "The Bigger The Base, The Higher In Space" and how it applies to market dynamics in 2023.- A detailed breakdown of viatical life insurance settlements.- With the latest jobs report, what underlying trends are impacting the Fed's outlook on rate cuts?- As optimism for rate cuts grows, what risks should investors be aware of when relying too heavily on central bank policies?- Companies like Marathon Petroleum, MarineMax, Planet Fitness, Nvidia, Rubrik, and SentinelOne – what makes them stand out, and which sectors are poised for growth?- Analyzing which companies could thrive under Vice President Kamala Harris’s potential future leadership.- What are the major trends and risks for investors as we approach the 2025 market?- MicroStrategy’s $1.1B Bitcoin acquisition – what does it mean for corporate crypto adoption?- Can GameStop survive after a 30% drop in Q2 sales, or is it too late for the retail gaming giant?- OpenAI’s rise as a top unicorn – what sectors are most poised to benefit from AI breakthroughs?- The implications of SpaceX and Elon Musk controlling 70% of the satellites in orbit.- China’s local government debt crisis – how it’s quietly slowing down growth and the potential global impacts.- Boeing worker strike – how could this labor action disrupt production and the company's future?- Oracle vs. Salesforce – which will emerge victorious in the enterprise software market as cloud computing and AI evolve?#Apple #iPhone #FederalReserve #ViaticalSettlement #Bitcoin #GameStop #Nvidia #SpaceX #AI #OpenAI #ChinaDebtCrisis #Boeing #Oracle #Salesforce #MarketMondays #Investing #EconomySupport this podcast at — https://redcircle.com/marketmondays/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Welcome to another insightful clip of Market Mondays! Today, we're diving deep into ASML, a pivotal player in the semiconductor industry that has remained somewhat under the radar despite its enormous influence. Join hosts Rashad Bilal, Ian Dunlap, and Troy Millings as they dissect the role of ASML in the chipmaking ecosystem and what the future holds for this tech giant.ASML is known for its near-monopoly on EUV (Extreme Ultraviolet) lithography technology, which is critical in creating the most advanced semiconductors. Although we frequently discuss industry giants like Nvidia and Taiwan Semiconductor Manufacturing Company (TSMC), it's crucial to understand the importance of the equipment that makes their success possible. And that's where ASML comes in.#### Key Points Discussed:- **ASML's Market Position**: Rashad introduces ASML as a gateway company vital to the technology ecosystem, highlighting its near-monopoly on EUV technology.- **Market Trends**: Ian and Troy discuss the current state of the semiconductor market, including a "chip recession," and how ASML is faring amidst these challenges.- **Price Predictions and Investment Strategy**: Ian provides an analysis of ASML's price fluctuations and offers insights on potential entry points for investors, emphasizing the value of being strategic, especially amidst market volatility.- **Technological Importance**: Troy elaborates on ASML's critical role in the semiconductor supply chain, particularly in creating nanometer chips that companies like Nvidia and TSMC rely on.- **Long-term Outlook**: The hosts discuss the future prospects of ASML, including the potential for geopolitical tensions affecting its market, but they also affirm its integral role in the continuing advancements in AI and chipmaking.#### Why ASML Matters:- **Monopoly on Cutting-edge Tech**: ASML's technology is indispensable for manufacturing the next generation of semiconductors, positioning it as a linchpin in the tech supply chain.- **Investment Potential**: Despite a 30% drop from its pandemic high, the hosts see significant long-term value in ASML, making it a compelling consideration for any tech-focused portfolio.- **Geopolitical Factors**: As a Dutch company, ASML operates within a complex landscape of international trade, which could either present opportunities or pose challenges, depending on the geopolitical climate.ASML is not a straightforward investment. Ian likens its volatility to that of Tesla, where the highs can be incredibly rewarding, but the lows can also be gut-wrenching. That's why knowing when to enter and exit positions is crucial.Moreover, the discussion highlights the broader implications of ASML's technology for the AI market and future chip innovations. For those interested in the mechanics of the tech supply chain and long-term investment strategies, this episode is a must-watch.Stay plugged into Market Mondays for more expert analyses and in-depth discussions on the key players and trends shaping the financial landscape. Make sure to like, comment, and subscribe for more valuable content.Hashtags:#MarketMondays #ASML #Investing #Semiconductors #TechStocks #Nvidia #TSMC #EUVTechnology #StockMarket #FinancialEducation #InvestFest #IanDunlap #RashadBilal #TroyMillings #AI #ChipRecession #LongTermInvestmentDon't miss this crucial episode as we peel back the layers on ASML, a company that may not be in the spotlight as much as its peers, but is undoubtedly a cornerstone in the world of technology and finance. Tune in to Market Mondays and stay ahead of the curve!Support this podcast at — https://redcircle.com/marketmondays/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

On this week's episode of Market Mondays, we dove into a variety of critical financial topics. We analyzed **ASML stock** and what its future could mean for the semiconductor industry, along with the latest developments in **Apple's iPhone 16**. We also broke down different types of **retirement plans**, offering insights on the best options for long-term savings. Additionally, we discussed the **S&P’s worst week since 2023** and whether this is a natural market correction or the start of a larger downturn. We explored the potential of a **20% stock drop** and the possibility of **2 million job losses**, and what key indicators could signal such a shift. We covered the implications of the **yield curve uninversion** and whether this marks the beginning of economic recovery or lingering risks of a recession.We also examined the **PMI hitting an 8-month low**, what the **decline in U.S. construction spending** means for the real estate market, and **J.P. Morgan’s downgrade of SMCI**, discussing whether it's a short-term issue or a bigger concern. Finally, we outlined **3 essential rules for trading options**, offering advice for traders navigating today’s volatile markets. To close out, we had a conversation with **Bevel CEO Damon Frost**, gaining insight into his company's trajectory and the industry as a whole.#MarketMondays #ASML #Apple #iPhone16 #RetirementPlans #SP500 #StockMarket #YieldCurve #PMI #ConstructionSpending #SMCI #OptionsTrading #Bevel #DamonFrost #Investing #economySupport this podcast at — https://redcircle.com/marketmondays/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Welcome to a riveting clip of Market Mondays, where we dive deep into the financial intricacies and market movements that matter to you! In this clip, we focus on the recent performance of Nvidia and discuss whether investors should be concerned about the company's stock market performance.Tune in as our Hosts, Rashad Bilal, Troy Millings, along with Ian Dunlap, the insightful Market Mentor, dissect Nvidia's latest earnings and unravel the key risks and growth opportunities. Despite Nvidia's positive earnings report, the stock experienced a drop, leading to questions about whether the hype surrounding Nvidia is too much for the company to live up to.**Key Highlights:**- Understanding Nvidia's Earnings and Stock Drop: Market Mentor explains how even positive earnings can't always sustain high stock prices, drawing comparisons to Meta's previous quarter performance.- Realistic Expectations: Market Analyst Enthusiast talks about the importance of grounding hype with reality, emphasizing Nvidia's decision not to announce Blackwell and how it impacted investor sentiment.- Stock Buyback Insight: Troy Millings highlights Nvidia's significant stock buyback move and what it signals about the company's confidence in its future.- Superstar CEOs: Explore the advantages and disadvantages of having a well-known CEO like Jensen Huang, alongside historical examples like Elon Musk, Jeff Bezos, and Steve Jobs.- Future Outlook: Speculations on Nvidia's path towards success with products like Blackwell, AI leadership, and potential market expansion.Whether you’re a seasoned investor, a market enthusiast, or just curious about Nvidia’s future, this clip offers insightful analysis and thoughtful commentary to guide your investment decisions. Don’t miss out on this deep dive into one of the most talked-about companies in tech!**Join the conversation:**What are your thoughts on Nvidia's stock drop despite positive earnings? Do you think the company can continue to meet its high expectations? Share your thoughts in the comments below and let’s discuss!Remember to like, subscribe, and hit the notification bell so you never miss an update or a detailed market analysis on Market Mondays.**Hashtags:**#MarketMondays #Nvidia #StockMarket #Investing #FinancialFreedom #MarketAnalysis #TechStocks #InvestmentStrategies #CEOs #AI #DataCenter #EarningsReport---Note: This clip is intended for educational and informational purposes only. Always conduct your own research or consult with a financial advisor before making any investment decisions.Support this podcast at — https://redcircle.com/marketmondays/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Welcome back to another clip of Market Mondays! In this clip, hosts Rashad Bilal, Troy Millings, and Ian Dunlap delve into one of the most intriguing competitions in the tech world today: Huawei versus Apple. Huawei, often dubbed the Chinese version of Apple, is the world's second-largest cell phone manufacturer. Despite their relatively low presence in the American market, Huawei continues to gain ground globally, especially in China. Are they positioning themselves to be a real threat to Apple? Join us as we explore this topic in detail.Rashad kicks off the discussion by highlighting Huawei's market strategy and its massive presence in the Chinese market. With Apple being the leader in consumer electronics, it’s fascinating to see how Huawei is challenging the giant, despite having little to no market presence in the USA. Ian underscores the importance of being vigilant about competitors, remarking how other companies like Intel have regretted not taking early threats seriously.Troy brings in another interesting angle: the timing of product announcements. Huawei has strategically chosen to announce their new phone model right around the time Apple usually does, essentially stepping on Apple's release moment. This competitive tactic is an aggressive nudge that says Huawei is ready for the showdown.We also discuss the impact of geopolitical tensions on these tech giants. Sanctions and trade restrictions have played crucial roles in shaping the current tech battlefield. Ian emphasizes the significance of this by pointing out how Tim Cook, Apple’s CEO, should be proactive in navigating these diplomatic waters to ensure Apple’s stronghold in vital markets like China and India.From the broader perspective of technological advancements, Troy questions whether there has been anything innovative in the smartphone market recently that makes consumers genuinely excited. With the latest models offering AI capabilities, there's a lot at stake for Apple to maintain its innovation lead.Moreover, Huawei's recent ventures into the electric vehicle market add another interesting dimension to this competition. This move signifies Huawei's ambition to diversify and branch out into new industries, something Apple has been cautious about.Our hosts also consider the brand loyalty factor. While Apple enjoys massive loyalty, especially domestically, the scenario overseas is dynamic and ever-changing. They emphasize the need for both companies to innovate continually and adapt to changing market conditions to stay relevant.Stay tuned until the end of the episode where we tackle various angles of this heated competition and offer our insights into who might emerge as the ultimate winner.If you enjoy our content, please remember to like, subscribe, and share this video. Also, don't forget to hit the notification bell so you never miss an update from Market Mondays!**Hashtags**: #MarketMondays #HuaweiVsApple #TechCompetition #SmartphoneMarket #Innovation #TechNews #Geopolitics #ElectricVehicles #Apple #Huawei #BusinessStrategySupport this podcast at — https://redcircle.com/marketmondays/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

In this episode of Market Mondays, we dive deep into the future of Eli Lilly as it potentially becomes the first trillion-dollar pharmaceutical company, fueled by the booming weight-loss drug market. We also explore the strategic showdown between Huawei and Apple as Huawei aims to challenge Apple by launching a new product just hours after the iPhone 16 unveiling. We feature a segment from Ian's Invest Fest presentation, where he shares expert insights on becoming a successful trader. Next, we discuss concerns about NVIDIA's market performance, analyze their recent earnings report, and evaluate the company's expansion into self-driving cars and networking businesses. We also address an ambitious $10 trillion valuation prediction for a tech giant and discuss NVIDIA's long-term strategy.For personal finance enthusiasts, we offer advice on managing sudden wealth to ensure financial stability. We also cover the impact of market volatility in September, emerging market trends, Warren Buffett's investment strategy, and the looming recession risks based on the latest economic indicators.Finally, we provide an earnings overview, highlighting Zscaler, Asana, Hormel, C3.ai, Dick’s, Dollar Tree, Shoe Carnival, Tilly’s, Nio, and DocuSign.#MarketMondays #EliLilly #NVIDIA #Investing #HuaweiVsApple #PersonalFinance #WarrenBuffett #EmergingMarkets #TechStocks #Recession #StockMarket #IanDunlap #EarningsSeasonSupport this podcast at — https://redcircle.com/marketmondays/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

FINAL SALE OF THE YEAR FOR RED PANDA STOCK CLUBGET 3YRS ACCESS FOR 50% OFF!http://www.ianinvest.com Welcome back to another insightful clip of Market Mondays with your hosts Rashad Bilal, Troy Millings, and Ian Dunlap. In this clip, we dive deep into the geopolitical tensions impacting the energy market, analyze top-performing stocks, and discuss the future of artificial intelligence in the tech industry.🌐 **Geopolitical Impacts on Energy Markets**We kick off the episode discussing a vital topic that has sent waves through the global economy: the recent geopolitical events involving Libya and the Middle East. With US crude oil prices surging by 3% due to the halt in Libya's production and an Israel-Hezbollah attack, Rashad and Troy break down the significant factors affecting the energy market. Ian keeps it light-hearted but shares insightful thoughts on how conflicts typically drive oil prices upward, a trend seen throughout history.📉 **Sector Rotation and Stock Analysis**The hosts delve into sector rotation, particularly the shift out of tech into energy due to geopolitical factors. Troy elaborates on how production shutdowns can cause ripple effects across global economies, leading to potential price hikes in oil exports. Ian adds an interesting twist by highlighting how savvy investors like Nancy Pelosi navigate these turbulent waters.🚀 **High-Potential Stocks**Rashad cues up a discussion on high-potential stocks, asking Ian which ones analysts believe have the greatest potential. Ian points to Nvidia and Super Micro as the clear winners, while also bringing up the intriguing aspect of stock price fluctuations and where true value lies. Troy supports this by providing additional data, showing the performance trends and potential growth in companies like Boeing and PDD.🌐 **The AI Revolution**A segment of the episode is dedicated to artificial intelligence, a buzzword that's driving the stock market. Ian shares his journey of predicting Nvidia's price movements and ties it back to the importance of understanding mispricings in stock valuation. This discussion evolves into an informative session on how AI is poised to disrupt multiple industries, emphasizing its role in driving economic growth.🔍 **Stock Club Insights**Before wrapping up, Rashad highlights the exclusive advantages of joining the Stock Club, especially post-Invest Fest. With a current 50% discount, Ian reiterates how catching stocks at the right time, such as Nvidia at $100, can exponentially maximize returns, setting the stage for lucrative investment opportunities.💡 **Educational Gems**This episode is packed with educational gems. Ian emphasizes the importance of understanding the true value price of stocks, using Fibonacci retracements, and identifying the best times to enter and exit the market. Troy complements this with practical examples, while Rashad holds it all together by summarizing key takeaways and enticing new viewers to join the Stock Club.🗣️ **Interactive Q&A**The camaraderie between the hosts makes the complex topics accessible and engaging. The episode features a dynamic Q&A session where they answer questions from the audience, making it a must-watch for anyone looking to gain a deeper understanding of market trends and investment strategies.👥 **Connect With Us**Don’t forget to like, comment, and subscribe for more Market Mondays content. Hit the notification bell so you never miss an update.Stay tuned and keep investing wisely!---**Hashtags:**#MarketMondays #Investing #StockMarket #Geopolitics #EnergyMarket #AIRevolution #Nvidia #SuperMicro #SectorRotation #StockAnalysis #InvestmentTips #FinancialFreedomSupport this podcast at — https://redcircle.com/marketmondays/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Welcome back to another insightful clip of Market Mondays with your hosts Rashad Bilal, Troy Millings, and Ian Dunlap. In this clip, we dive deep into the geopolitical tensions impacting the energy market, analyze top-performing stocks, and discuss the future of artificial intelligence in the tech industry.🌐 **Geopolitical Impacts on Energy Markets**We kick off the episode discussing a vital topic that has sent waves through the global economy: the recent geopolitical events involving Libya and the Middle East. With US crude oil prices surging by 3% due to the halt in Libya's production and an Israel-Hezbollah attack, Rashad and Troy break down the significant factors affecting the energy market. Ian keeps it light-hearted but shares insightful thoughts on how conflicts typically drive oil prices upward, a trend seen throughout history.📉 **Sector Rotation and Stock Analysis**The hosts delve into sector rotation, particularly the shift out of tech into energy due to geopolitical factors. Troy elaborates on how production shutdowns can cause ripple effects across global economies, leading to potential price hikes in oil exports. Ian adds an interesting twist by highlighting how savvy investors like Nancy Pelosi navigate these turbulent waters.🚀 **High-Potential Stocks**Rashad cues up a discussion on high-potential stocks, asking Ian which ones analysts believe have the greatest potential. Ian points to Nvidia and Super Micro as the clear winners, while also bringing up the intriguing aspect of stock price fluctuations and where true value lies. Troy supports this by providing additional data, showing the performance trends and potential growth in companies like Boeing and PDD.🌐 **The AI Revolution**A segment of the episode is dedicated to artificial intelligence, a buzzword that's driving the stock market. Ian shares his journey of predicting Nvidia's price movements and ties it back to the importance of understanding mispricings in stock valuation. This discussion evolves into an informative session on how AI is poised to disrupt multiple industries, emphasizing its role in driving economic growth.🔍 **Stock Club Insights**Before wrapping up, Rashad highlights the exclusive advantages of joining the Stock Club, especially post-Invest Fest. With a current 50% discount, Ian reiterates how catching stocks at the right time, such as Nvidia at $100, can exponentially maximize returns, setting the stage for lucrative investment opportunities.💡 **Educational Gems**This episode is packed with educational gems. Ian emphasizes the importance of understanding the true value price of stocks, using Fibonacci retracements, and identifying the best times to enter and exit the market. Troy complements this with practical examples, while Rashad holds it all together by summarizing key takeaways and enticing new viewers to join the Stock Club.🗣️ **Interactive Q&A**The camaraderie between the hosts makes the complex topics accessible and engaging. The episode features a dynamic Q&A session where they answer questions from the audience, making it a must-watch for anyone looking to gain a deeper understanding of market trends and investment strategies.👥 **Connect With Us**Don’t forget to like, comment, and subscribe for more Market Mondays content. Hit the notification bell so you never miss an update.Stay tuned and keep investing wisely!---**Hashtags:**#MarketMondays #Investing #StockMarket #Geopolitics #EnergyMarket #AIRevolution #Nvidia #SuperMicro #SectorRotation #StockAnalysis #InvestmentTips #FinancialFreedomSupport this podcast at — https://redcircle.com/marketmondays/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

On this episode of Market Mondays, we dive into key market developments and global economic shifts:- **The Dow's Record Highs & Struggles**: We analyze the factors behind the Dow's recent record highs and its subsequent struggle. What should investors expect next as market conditions fluctuate?- **Crude Oil Prices Surge**: U.S. crude oil prices jumped 3% after Libya's production halt and the Israel-Hezbollah attacks. How are these geopolitical events impacting the energy market, and what could be the long-term effects?- **Today's Most Active Stocks**: We take a closer look at Boeing, Nvidia, PDD, Super Micro, XPeng, and SolarEdge, and discuss which stocks analysts believe have the potential to move higher.- **Wingstop's Rapid Growth**: Wingstop is outpacing its fast-food competitors. What innovations and strategies are driving its success, and can it maintain this momentum?- **Fed Rate Cut Concerns**: Fed Chair Jerome Powell raised concerns about the timing of potential rate cuts. What are the implications if the Fed waits too long, and how could it impact the economy?- **Nvidia's Earnings & Market Hedge**: With Nvidia's earnings approaching, Bank of America is offering a market hedge. What risks are associated with Nvidia’s upcoming earnings, and how might this hedge strategy play out?- **Lessons from InvestFest**: We share the biggest lessons learned from InvestFest and how individual investors can apply these insights to improve their strategies.- **Canada's Tariff on Chinese EVs**: Canada has imposed a 100% tariff on imports of Chinese-made electric vehicles, following the U.S.’s lead. What are the implications for the auto industry and international trade?- **Chipotle's Stock Decline**: After a recent decline in Chipotle's stock, we explore whether it has fallen enough to present a buying opportunity. What should investors consider before jumping in?- **Public Investment Fund's Strategy**: The Public Investment Fund (PIF) has invested heavily in companies like Lucid and Uber. We explore the driving forces behind this investment strategy and what PIF sees in the future of these companies.#MarketMondays #Investing #StockMarket #DowJones #CrudeOil #EnergyMarket #Nvidia #Wingstop #FederalReserve #InterestRates #InvestFest #CanadaTariffs #ElectricVehicles #Chipotle #PublicInvestmentFund #Lucid #Uber #GlobalEconomySupport this podcast at — https://redcircle.com/marketmondays/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Join us in this enlightening clip of Market Mondays as we dive deep into pertinent political discussions with Senator Tim Scott. Hosts Rashad Bilal and Troy Millings engage the Senator in a candid conversation, tackling pressing issues that resonate within the Black community and beyond.🔴 **Election Concerns:** Understand why a significant portion of the Black community historically leans towards the Democratic Party and how the Republican agenda, particularly elements like Project 2025, creates apprehensions. Rashad raises critical questions about the Supreme Court's conservative shift and controversial figures like Donald Trump, allowing Senator Scott to provide his perspective on these topics.🔴 **Police Reform:** Senator Scott shares his personal experiences and efforts in advocating for police reform. He recounts the tragic Walter Scott shooting and explains his endeavors to secure funding for body-worn cameras, emphasizing the necessity of visual evidence in ensuring justice. His narrative on the real and persistent issue of DWB (Driving While Black) sheds light on the urgency of reforms and community-police collaboration.🔴 **Justice in the System:**The dialogue touches upon the concept of qualified immunity and the progress made and challenges faced in transforming the justice system to be more equitable. Senator Scott passionately discusses his long-term commitment to improving justice and equity in the legal arena.🔴 **Economic Realities:**The conversation transitions to economic issues, highlighting the Republican Party’s achievements, such as the 2017 tax code overhaul which provided significant tax reductions for working single mothers. Senator Scott elaborates on the broader economic improvements, like historically low unemployment rates for African Americans, that resulted from policy changes.🔴 **Responsibility and Representation:**As the sole Black Republican Senator, Tim Scott talks about his sense of responsibility towards representing the Black community. He reflects on his mission to combine personal experiences with political action, striving for inclusivity and justice. His insights into navigating the political landscape and advocating for economic participation through free markets and capitalism offer a compelling narrative of progress and opportunity.🔵 **Why Watch This Episode?**- Gain an understanding of the complex political preferences within the Black community.- Hear firsthand accounts and policy explanations from a sitting U.S. Senator.- Explore the intersection of policing, justice, and economic policies.- Join a platform for balanced debate and insightful discussions on American and minority issues.Don’t miss this deep dive into the policies and perspectives shaping today's political environment. Hit the subscribe button and ring the notification bell so that you never miss an episode of Market Mondays!**Subscribe to Market Mondays for more insightful discussions and interviews!****Hashtags:**#MarketMondays #BlackCommunity #PoliticalDiscussion #SenatorTimScott #RepublicanAgenda #PoliceReform #QualifiedImmunity #EconomicPolicy #JusticeSystem #FreeMarkets #BlackVoters #Project2025 #Election2023 #BodyWornCameras #DrivingWhileBlack #AmericanPolitics #EconomicProgress---This episode is a must-watch for anyone interested in the confluence of politics, justice, and economic policies within the Black community. Join the conversation and discover diverse viewpoints on living and thriving in America today.Support this podcast at — https://redcircle.com/marketmondays/donationsAdvertising Inquiries: https://redcircle.com/brandsPrivacy & Opt-Out: https://redcircle.com/privacy