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I’m 34 years old and will make $184,000 this year (total HHI approx. $220k), live in Boston, MA and work as a self-employed Informatics Consultant
Section One: Assets and DebtGeneral household background: My husband (T) and I got married last year and haven’t fully combined our finances. We have a joint savings and a joint credit card for shared expenses. We each have separate personal and business accounts. When we met, I made much less than him and six years later, I make much more but I came to our relationship with a ton of student loan debt and embarrassingly bad credit. He had zero debt and very strong credit. There have been times through the years when we each prop the other up financially. We have also both been with abusive, manipulative people in the past that made very irresponsible financial decisions, so we are probably slower to go fully combined than many other couples.
For the purposes of this MD, I am including T in some places because our habits do have an effect on the other, but he is responsible for his own accounts and I won't include his expenditures that affect his personal or business accounts. He maintains his own emergency savings and as of today, I am the only one saving for retirement. We will both contribute once we buy a house.
My pre-tax income: Approx. $288,000/year, but since I changed jobs this year and took time off between jobs, my income in 2020 will be more like $184,000 – I’m a fully independent 1099 contractor charging $160/hr for my consulting services and aim for a 12-month invoiced average of $24,000/mo.
T’s pre-tax income: Approx $36,000 this year– he works in the restaurant industry and was furloughed in March due to the pandemic. He’s gotten creative this year to keep himself busy and keep some money coming in.
SEP IRA: $12,280 - The bulk of this is rolled over from my last employer's 401K account. I have prioritized student loan debt repayment, house down payment and emergency savings for now. These are almost met so I will get aggressive with contributions here soon.
Emergency savings balance: $16,106 – contributing to this until I get to $30k; the balance was at $20k and then I depleted this down to $8.5k while I had no income for 3 months earlier this year
Joint HYSA: $63,064 – This is the account earmarked for a house down payment. We have contributed $48k to this between the two of us. T's parents gave us a $20k wedding gift and we used $5k to pay off the last of my >7% student loans and the other $15k is in here.
Checking account balance: $20,928 – All of my accounts are tied to this one and there’s more “slush money” in here than usual at the time of writing this. I maintain $3,000 in this account as my "spending money". This week I transferred my "income" from my business account, which is why it's so high. My auto-payments, savings, credit card payments, etc. all come out of here.
Investment account: $5,222 – Opened a Betterment account with high-risk asset allocation last year mostly as an experiment. I would like to contribute more once the house is purchased.
RSAs: I have 5,000 shares from one of the companies I consult with that I started working with when they were still incubating. These will fully vest in January next year. I do not include this in financial planning as it may amount to nothing.
Life Insurance: $200,000 - 20-year term policy (not counted in my Net Worth). I got this after college to protect my student loan co-signer. Even though I now owe far less in loans, I keep my mom as my primary beneficiary because she is likely to need financial assistance in retirement, and if I am alive I will help, but if something happens to me, she'll get this. That peace of mind, for me, is everything.
Business savings account: $39,900 – I think of this money like it doesn’t exist and don’t factor it into my Net Worth calculation. This is 35% of every invoice that I put aside for all of my estimated income and employment taxes. I’ll feel a lot better next year when I figure out what my tax burden is. If I don’t use all of this, I’ll be pleasantly surprised and I’ll put it directly into savings in some form.
Business checking account: $2,000 – This account exists as my central business account, to auto-pay my business credit card in full and to receive payments from customers.
Credit card debt: $0 - Paid in full weekly.
Student loan debt: $56,966 - Graduated with a life science degree and $130,000 in debt
Car: $3,000 approx. - 8 year old car, fully owned and bought with cash. KBB is actually more than this value but I don't plan to replace this car for a while, so I'm estimating what I think it could be worth when I sell it to upgrade.
Net worth: $65,634 (including the joint savings account)
Section Two: IncomeMain Job Monthly Take Home: $15,600 - Average expected transfer from business account to personal account after I take out taxes
Section Three: ExpensesRent: $1,100 - $2,200 total, split equally with T. We have a large two-bedroom in the Camberville area. This includes laundry, heat, hot water, and gas.
Emergency savings contribution: $2,000
HYSA contribution: $3,000
Student loan payment: $3,000 - Includes overpayment; minimum is $601
SEP IRA contribution: $1,000
Health insurance: $470
Dental insurance: $21
Car insurance: $94
Other car expenses (gas, oil changes): $25 - Average of last 6 mo, WAY down because I left my commuter job and I now work from home most of the time. I expect this to stay low for a while.
On-street parking pass: $40 - Annual
Rental insurance: $13
Life insurance: $11
Electric: $37 - My half; average of last 12 mo
WiFi/Cable + HBO: $60 - My equal half
Cell phone: $89 - My half; we combined separate carrier plans to a family plan last year and replaced T's awful phone and upgraded mine using a BOGO deal and that is included - interest free - in the monthly payment
Cat: $86 - Average of last 6 mo, doesn't fluctuate much. Annual vet visit is $85. No insurance. T has a dog he brought into the relationship and he covers all expenses for him.
Physical therapy: $137.50 - Bought in packages of 8 ($1,100) for a discount off single-visit prices. I have a monthly appointment.
Personal care: $152 - Average of last 6 mo
Groceries: $70 - Average of last 6 mo. My half.
Dining out/delivery: $151 - Average of last 6 mo. My half.
Donations and gifts: $200 - I pick different orgs for this. This month will be METAvivor to support breast cancer research.
Subscriptions: $199 - Netflix ($13), Hulu ($6), Spotify Premium ($10), iCloud storage ($3), PlayStation Network ($60/yr), Adobe Creative Suite ($11); VSCO ($20/yr); QuickBooks ($12.50), Rent the Runway ($139)
Money Diary:Sunday - $125.63
10:00am - Wake up, peek at my Apple Watch - basically just my alarm and sleep/fitness tracker at this point. Very happy I was able to sleep late. Text with some friends, check in on a cell phone game I play (Covet Fashion - anyone else?), and Reddit.
11:00am - Decide coffee is more important than cuddling with pets and reading at this point. Get up. Feed our cat. Make French press coffee with fresh roasted beans.
12:00pm - I tidy the house a little as a procrastination tactic to avoid working out. T comes in from walking our dog and has mail. In it is a letter from my bank explaining why I was denied a credit line increase. Cue me spiraling about how my old financial issues seem to follow me no matter how good I am today. I frequently feel behind my peers, and that line of thinking is a trap, I know. I’m extra emotional about this because I’ve also just received the news that lenders may not want to give us a mortgage because of self employment. I worry out loud that I'm holding us back. (This is the internal dialog of a probably PMSing person going into an emotional spinout.) T, as usual, shrugs it off and says we’re fine. We’ll figure it out. We always do. Gives me a pep talk that’s more pragmatic than my brain wants to be right now. I mope for a little longer and play Covet.
2:00pm - Decide I need to stop feeling bad for myself and do my PT and a workout. I’m supposed to do a 30-40 min routine a minimum of 5 days a week. I’ve also recently been cleared to get back into some cardio so I decide to add on a mixed cardio workout from YouTube.
3:30pm - Finish workout. Glad I did it because I do feel better. I take a moment to affirm my gratitude for having a pain-free day and easy movement. The money situation will be resolved and is less important than my health. Time for a shower though. Wow, is it hot and humid today!
4:00pm - Give myself an at-home facial. I had awful acne, sometimes cystic, for most of my life and I don’t take a single clear skin day for granted. Before COVID I went to an esthetician every other month for a facial ($120/visit+20% tip). I had actually bought a pack of 6 visits for $600 in February. Due to the pandemic, they closed soon after and I haven't used it. The salon has just recently reopened though so I keep considering going back. But for today, I use a pumpkin enzyme peel, a hydrating masque, and then finish with my normal skincare routine. We’re going out to eat tonight so I put on makeup for the first time in months and I spray my hair with dry shampoo followed by a curling mist and pin it up to help it not look slept on. Then I get dressed. I’m wearing a shirt rented from RTR that has an open back so I go braless, which feels very on-trend for COVID.
5:00pm - Feed our cat first dinner while D walks our dog, then I water and groom my house plants.
5:30pm - Sign into QuickBooks to check whether my last client paid their invoice from last month, and they did on Friday. I update the invoice and send them a receipt. But then I notice an issue with my QB subscription (I recently changed versions) and since it’s the end of the month, I need to clear this up ASAP. I add a reminder to my to do list to call them tomorrow.
6:00pm - Leave the house to drive to Providence for a dinner reservation with friends; T drives us in his car. Realize I forgot Lactaid. I’m running low at home anyway so we stop for gas (T pays with his money) and I run into the grocery store next door. Grab deodorant and my vitamins at the same time because I’m almost out of both of them too. - $31.63
7:00pm - Get to dinner and meet our friends. We drove an hour away for this meal because the restaurant is going out of business due to the pandemic. T knows the owner well and we visit at least a couple times a year. They scaled their menu way back to feed people safely outside and while it’s amazing, I’m reminded of how the restaurant industry is just getting absolutely pummeled. But this meal is an amazing send off. We pay the bill and add a generous tip for a total of $442 for 5 people. T puts it on the joint card, and $94 will be my portion. - $94
9:45pm - We zip across town to try to get in for a nightcap at an old haunt of T’s when he lived here. Order a round of drinks at the window. T’s friend pays for us to thank us for driving down.
10:30pm - We part ways with T’s friends and briefly stop by another of T’s friends’ houses. She just got engaged yesterday so we congratulate her and she gives us our own congratulations cake - we just celebrated our wedding anniversary. This friend is a talented pastry chef and made our wedding cake for us, and this little one she gave us tonight looks just as beautiful as that.
11:50pm - Finally home. Move my car to make room for T’s car (street cleaning tomorrow). Feed our cat second dinner while T walks our dog. Jump into sleep clothes, then do my night routine (floss, brush, mouthwash, makeup remover, face wash, toner, serums, moisturizer, eye cream) and dab on some acne spot treatment. I’ve had about 7 deep pimples show up since yesterday and I mentally calculate that yeah, this probably is PMS related. No wonder I was such an emotional mess this afternoon.
12:30pm - Finally in bed. Set my alarm. Read a little until my eyes are heavy. Put on my eye mask. Do two minutes of deep breathing. Asleep by 1am.
Monday - $66.20
7:15am - Alarm goes off and I immediately hit snooze. I slept so poorly. One of those nights where you feel like you’re always just drifting in and out of consciousness and never really sleeping.
7:30am - Alarm goes off again. Still too early but I keep my eyes open. Check my phone to glance at my calendar and the weather. Look at my client emails to see if there are any fires (none, phew). Check Covet to see what scores I got overnight. I leveled up! Fun surprise first thing in the morning.
7:45am - Get up and get my morning routine underway. Brush teeth, shower (not a hair washing day), face routine, put on mascara, get dressed, feed our cat, make coffee. I’m almost out of coffee beans. I have this set for auto re-order but I usually go through a bag every 10-11 days, and they only offer 7 or 14 day intervals. I keep a bag of Dunkin Donuts whole bean coffee on hand just in case.
8:30am - Get on my weekly meeting with my “boss”. Where I’m a consultant, she’s not my boss the same way if I were employed by her, but she runs the group for which I primarily consult. She is a true boss lady and I feel extremely lucky to work with her. We spend the first 15 mins of the meeting talking about mortgages - turns out she actually bought a house her first year being a consultant too. She is going to refer me. Then we talk about work. I’ve been managing a very challenging project in an area I (used to) know nothing about, but then again, no one else on the project did either. I’ve finally assembled a team of experts and we are making real progress. I have nothing but good news this morning, which is a change from the last few months. Nice way to start the work day.
9:30am - Switch gears and get on a weekly status meeting with another client. Everything is going smoothly here. We end early because there wasn’t much to go through. Jump back into work for the first client - project check-ins and deadline reminders, holding a vendor accountable for fixing an issue… the usual.
10:45am - Clock out. Pack up the top I wore last night and a jumpsuit to return to RTR. Say goodbye to T and leave the house to go to my gyno for a follow up appointment to check on my new IUD to make sure it has settled in properly. I find on-street parking and pay for 1 hour ($2.90) and the co-pay for my visit is $30. - $32.90
12:00pm - Still at the doc. IUD is all good but I said yes to getting a free flu shot while I’m here and they’re taking forever to bring it to me. Check my parking and it’s about to run out. Add another 14 mins just as the NP comes to apologize and say she’ll be back in 5 mins. I say it’s okay and she warms my heart when she says, “I appreciate that but it’s not okay, you shouldn’t have needed to wait!” I love my entire doctor’s office. They come in with the shot and send me on my way. I swing by a FedEx to drop off the RTR bag. - $0.50
12:30pm - I get home and as I’m pulling into the (freshly street cleaned) spot I usually park in on the street, I notice there are oil marks on the road. I mention it to T when I get in the apartment. My mechanic retired early in COVID so T agrees to take me to his mechanic to make an introduction after my last meeting this afternoon. I need a state inspection, and I think I need my suspension and brakes replaced. This is going to be expensive, but I’ve been putting off any repairs because I barely drive my car since COVID. T then reminds me we had talked about getting a new router because I drop Zoom meetings all.the.time, and he found one he likes while I was out. It’s $200. I decide I’d rather deal with dropped meetings for now especially in the face of a big mechanic bill. He’s fine with not spending the money too. I make us deli meat sandwiches with a side of potato chips.
1:00pm - Settle back into my home office with my lunch and clock in. A ton of emails from one client came in while I was out. I eat while I catch up on the various situations that popped up.
2:30pm - Take a short (forced) break. While on a call, my cat jumped onto the windowsill and I watched him purposefully knock my baby avocado tree off to make room for himself (he truly enshrines the “cats are jerks” stereotype). I clean up the mess, hope the plant is okay, and then pick up my dishes from my lunch. I start the dishwasher, grab a Polar Seltzer can and go back to my office. Time to work on some slides. I turn on my new Discover Weekly playlist on Spotify for motivation.
3:45pm - After back and forth with a vendor, we still can’t get an issue resolved. I probably need to go to my client’s office because I can’t troubleshoot remotely at this point. I interrupt T’s gaming to ask if I can use his car tomorrow. He has no plans. I add a block to my calendar, fill out a symptom self-assessment form and notify the client office coordinator of when I’ll be onsite. Back to the slide deck, then a strategic planning meeting with the leadership team.
4:45pm - That last meeting ran late. And I’m so tired. I feel like I’m running on empty. Slides still aren’t done either and need to be done. I mentally prioritize car, slides, and then QuickBooks call. I got a voicemail from a mortgage lender but that’ll have to wait. T is still gaming with a friend so I stay clocked in to do a little more slide work.
5:15pm - Go to the shop with two cars to drop mine off. Find out they’re closed (T thought they were open until 6). He goes to the grocery store and I go back home. Park in a different spot and check the road where I had been parked moments ago. Oh yes, that is some nice, fresh, wet oil. I quickly pop the hood to check my oil level. It’ll be fine for now.
6:00pm - T comes home and spent $40.61 total on pork chops, sliced deli meats, yu choy, instant coffee, potato chips, whole grain nut bread, mayo, and pickles. I’ll transfer half of that to him when we reconcile the credit card in October. T asks what I want for dinner and we agree to reconvene for dinner at 8pm. He goes back to gaming and I call QuickBooks while feeding our cat first dinner. - $20.30
7:10pm - The QuickBooks issue was entirely user error. OF COURSE. I log in and snag the promo price for QuickBooks Online. I’ll pay monthly for the first 3 (discounted) months and then upgrade to the annual pricing. Since I have my business bank accounts open, I confirm the deposit amounts for all of my invoice payments for the month. I transfer to the business savings for tax withholding and schedule a transfer to my personal checking account on Oct 1st for the remainder, which will be my after-tax income for October. - $12.50
7:40 - I do PT and no workout. Too tired. And I'm hungry and dinner smells awesome.
8:30 - T made rice with beef, enoki and button mushrooms, green and yellow onions, tofu, egg. I put way too much chili crisp on my bowl and it hurts so good. He has a beer and I have water. He beats me to cleaning up the dishes and suddenly reappears from the kitchen with a vanilla chocolate chip ice cream sandwich. Turns out he got it a month ago from his friend that owns an ice cream shop (he and his industry friends food swap A LOT) and his man forgot to tell me it was in the freezer! I take two Lactaid and eat 3/4 of it. Heaven. We catch up about the day, then try to find something new to watch since finishing Ratched. We settle on season 2 of Marcella but it doesn’t hold our attention. We put on Twitch, I play some Covet and then read the news while he games with friends.
11:15pm - I decide it’s finally time to move the sleeping dog off of me and I can not, in fact, live on the couch with him forever. The second I move, our cat realizes it is time for second dinner. I feed him, do my nighttime routine, and get into bed. Asleep before midnight.
Tuesday - $16.00
7:45am - Alarm. I was having a really strange dream and feel like I slept badly too, but my sleep tracker says 6h45m. Not the worst but not the best. Check Covet, LinkedIn, the weather. Notice a ton of work emails - luckily it’s nothing super urgent.
8:15am - Get up and do my morning routine. As predicted, I did not have enough fresh roast coffee so I make a house special blend with the fresh roasted and Dunkin Donuts beans.
9:00am - Clock in and hop on a few client meetings. Nothing particularly exciting.
11:00am - Pack up my laptop to visit my client’s office to troubleshoot an issue. Circle the building to see if I can find on-street parking - nothing. Park in the garage instead. Take a voluntary COVID test upon arrival.
12:10pm - Leave client site. They ordered BBQ lunch while I was there and told me to bring home enough food for both T and me. Pay for garage parking on the biz credit card and this will be fully reimbursed by my client when I submit my invoice for the month. At home, T and I feast on ribs, pulled pork and chicken, potato salad, mac and cheese, biscuits and cole slaw. - $16
1:00pm - Client meeting. Runs a bit over. Clock out when I’m done and go to the shop with T in two cars for attempt #2 at dropping my car off.
2:00pm - Back at home, less one car. Check Covet. My group has been super active today. Spend a few minutes catching up and strategizing with them. And then clock back in because my to-do list just keeps growing.
3:30pm - Mechanic calls and asks if I can come to the shop so he can show me some concerns. This sounds expensive. I have no meetings scheduled tomorrow, so I decide to deal with this car stuff today and get focused work done tomorrow. I put on my shoes and decide to go for a walk.
4:00pm - Mechanic still has my car on the lift and walks me through the problem areas. There’s nothing that’s a surprise to me and I appreciate that he takes the time to do this. He hits me with a $2900 estimate. This is only slightly higher than what I expected so after talking through which parts we can get OEM and which ones can be aftermarket, I agree to the work. I’ve owned this car for 70,000 miles (bought it at 30k miles) and this is the first time I’ve ever had to do major maintenance work outside of my regular oil, fluid, belt, brake and tire changes. On my walk home, I notice I’m not even feeling badly about this and my main emotion is genuine gratitude that I can afford this. It was less than a decade ago that a serious repair on a former car caused me to need to go without some utilities and food. I wish I could tell my younger self that it will get better because I was often in a very dark place because of (lack of) money.
4:30pm - Home. Grab a can of Polar seltzer water. Clock in as I notice my primary client’s email has blown up. I really want to just be done for the day but I decide to get to Inbox 0 so I can start my day tomorrow without small tasks hanging over my head.
5:30pm - Inbox 0 achieved. I could do more but the internet went out again and T is already on the phone with them. That’s the third or fourth time today. They are sending a service person out and I hear him making the appointment for tomorrow. I’m fine with clocking out. Our cat gets his first dinner.
5:45pm - Get an email I want to follow up with right away. Add 15 more minutes of billable time while T walks our dog. Then I read the latest drama watch MD and check on Covet. I’m going to fall behind in that if I don’t submit some looks tonight.
6:45pm - I got sucked into another R29 MD and the comments filled me with anxiety about posting my own. Decide I need to put my phone down.
7:00pm - T intercepts me to proofread his menu and social posts for a takeout pop-up. It sounds amazing and we work through some revisions together. I joke sometimes that working for him is my second job.
7:30pm - Talk to a friend about logistics for a camping/hiking trip this weekend. Then throw on workout clothes and do PT. Feel more sore and tired than usual so I decide not to do a cardio workout afterward, even though that was my intention.
8:30pm - T makes dinner for us: noodles with pork belly and pulled pork, yu choy and button mushrooms. Then T calls a friend to talk about a specialty order he needs to place while I play Covet. We watch an episode of Marcella after that and the Internet goes out again. He works on a prep list and I go back to Covet.
10:45pm - Feed our cat second dinner, do my nighttime routine and get into bed. I’m so tired. Read in bed and lights off by 11:30. Can’t fall asleep though because my back pain is really flaring up for some reason. Get up to take ibuprofen, and then I finally fall asleep at 12:30.
Wednesday - $14.75
7:45am - I’ve been awake for I’m not sure how long while attempting to keep sleeping but I’m giving up now. My back is in serious pain. I'm so tired that I indulge in lots of Reddit browsing and Covet playing.
9:30am - Finally get up after making the mistake of reading news coverage of the debates last night. My sleep tracker says I got a little over 4h of real sleep. These days are much rarer than they used to be, but sometimes my back really just acts up and I don’t always know why. Also it is extremely windy this morning and I realize we left the windows open... it must have poured last night because the couch is soaked. This is... not a good morning. Can I have a do-over?
10:45am - My teeth are brushed, cat is fed, couch is disassembled and drying, and I did the dishes from dinner last night, but I am dragging today. There are no work emails and I have cramps on top of the back pain. Maybe that’s why my back hurts more. Ugh, why? I realize that I have to go easy on myself today. I eat some Triscuits because my stomach is going to have to deal with coffee and painkillers this morning.
12:15pm - I feel human again after a shower. It is a hair wash day, which always feels nice, and the Ibuprofen has kicked in. T vacuumed while I was in the shower and tells me there’s a big crack causing an air leak and it’s in bad shape. Everyone tells me they swear by the Dyson Pet so we look it up: $600! I didn’t see that coming. We decide to try to make the vacuum work with duct tape for now until Back Friday sales. Make deli meat sandwiches for us, and eat while playing some Covet.
1:00pm - Time to do work! T also goes out to get some work done.
2:30pm - T is home. I got a letter from my health insurance company that 10% of May’s premium will be refunded to me in the form of a check as part of COVID-19 premium forgiveness. I’ll take it.
3:30pm - Clock out. Today feels like I’ve mostly been herding cats. But I checked off a ton of little things on my to-do list so that’s a win. Log into Trade Coffee and my next coffee is supposed to be roasted this week and shipped next week. I decide to order a bag of coffee beans for immediate shipping. - $14.75
3:45pm - Time to get myself paid (AKA last day of the month). Log into QuickBooks and get my invoices in order and ready to send tomorrow. Put on Spotify for motivation. I’m feeling peckish and grab a few pieces of chocolate butter almond toffee.
4:50pm - Carrier arrives to check our internet. Invoices are almost ready to go but I take a break because the internet will be going in and out. Chat with friends about logistics for this weekend - looks like it’s going to rain so we may scrap the camping plan and make a day trip out of the hike.
5:30pm - Get a call back from a mortgage lender that is willing to have a conversation with us. They are not nearly as concerned about our self employment as other lenders were. We spend an hour on the phone. I feel encouraged and hopeful that maybe this can actually happen. I have a message from another lender asking if we can set up time to talk too. T and I spend a little time looking at houses. I don’t want to get too excited yet, but we’re feeling a bit better.
7:00pm - Catch up on some local news and text a bit with my friend. She just adopted a kitten and is finding super cute stuff for her online.
7:30pm - Do PT. No workout tonight. Then take our dog for a walk. T makes dinner.
9:00pm - Eat dinner: rice stir fry with brisket, yu choy, mushrooms, and corn. Watch an episode of Marcella. It’s getting better but we make fun of the characters a bit.
10:00pm - Do my nighttime routine and feed our cat second dinner. I’m not messing around tonight and take a sleep aid. Get into bed, read a bit, and am asleep by 11.
Thursday - $3211.13
7:45am - Alarm, snooze.
8:00am - Alarm again. Keep my eyes open this time. I slept through the whole night, which is an amazing relief. And I have no back pain! Check on Covet and then work email. My COVID test was negative, yay! Text a friend to wish her happy birthday.
8:15am - Out of bed, and do the morning routine. No hair wash day.
9:00am - Client meeting. Nothing noteworthy.
10:15am - Clock out. Tidy the kitchen, then proofread my invoices for services provided in September (totaling $24,594) and hit send. T comes back from his walk with our dog and noticed he’s limping. We shelled out $1200 earlier this year for a limp that ended up going away on its own with no explanation, so we're a bit concerned. We still have some of the anti-inflammatories for him though, so we give him that. I will be getting pet insurance for our next pets.
11:00am - Back to work. Nothing noteworthy. I make deli meat sandwiches for T and me while he is on a Zoom with a property developer that is presenting an opportunity to open a restaurant in 2022.
2:00pm - Take a break from work; T wants to talk about the restaurant opportunity. There’s a lot I can advise him on in business, but the restaurant industry has a lot of specialty knowledge too. Owning his own place is the end goal for T, and we also talk about how this factors in with our other goals too. I am extremely supportive of him making his own decision about whether this is the right opportunity for him. He goes back to the dining table to contact some friends and advisors, and I go back into the office/second bedroom.
3:45pm - Dragging a little. It’s a fairly quiet day for all of my clients, which is great because I can tackle projects that need more free space to think and be creative, but on the other hand, I start to lose focus if it’s too quiet for too long. Get up to stretch my legs and get a Polar seltzer. Turn on Spotify. Open the office windows. And then jump back into work.
4:30pm - Mechanic called and my car is ready. He forgot to add the alignment to the quote, and then with the addition of tax, the total damage is $3105.13 (in short, four new brakes, new struts, new bushings, one new bearing, and a new oil pan because yay salty-rusty-fun winter roads). I immediately apply an overpayment from my savings to my credit card at home. - $3105.13
5:30pm - I have every intention of doing PT but while on the way to change into workout clothes, T stops to ask me a question relating to the restaurant opportunity. We end up talking through investment scenarios, hiring strategies, and more, and suddenly an hour has passed. Oops.
6:30pm - Wash my face and put on some makeup. T and I leave to meet a friend and her SO for her birthday dinner. I expected we’d be outside, but we’re not. I don’t love sitting inside in a restaurant during the pandemic, however, I am very grateful to spend time with friends. We drop a small fortune but the steaks are amazing. We split checks between couples to pay. The bill for T and me is $212, and I will pay half. - $106
11:00pm - Back home finally. I feed the cat and do my nighttime routine while T walks the dog. He is still in pain. I take him to bed with me and try to be his comfort buddy the way he does for me when I feel crappy. I read and am asleep by 12:30.
Friday - $3.50
7:45am - Alarm, snooze.
8:00am - Alarm and wake up. Check Covet, news, weather and email. My group chat with some close friends blows up and many memes are exchanged.
8:30am - Get up later than I should have. Do my morning routine at warp speed. Glad it’s not a hair wash day. I can’t be bothered with it, so I put it up in a sock bun.
9:00am - Zoom meeting with a client. One of them is a hiker and has a background photo from a trip he took last weekend in the area I’m going tomorrow. It’s gorgeous. I get really excited, which is the energy I need to make up for what’ll probably be a 4:30am wakeup tomorrow morning. My meeting ends 15 minutes early and I use this time to place an RTR order - I could’ve done this yesterday and received the delivery today but I completely forgot. I order a cute I’m-not-ready-for-summer-to-end cropped floral top and a structured plaid peplum top that’s more professional.
10:00am - Pack my bag and head to my client’s office for an issue that has been confounding me all week. Find on-street parking to save my client some money and put the max time (2h) on the business credit card. Set an alarm so I can move my car into the garage if I need to go over. - $3.50
12:45pm - Leave my client just as I get a notification about my parking expiring. The issue is still not resolved. I’m going to have to come back next week again. Run home for my next round of back-to-back meetings.
1:00pm - Make it to my desk and on the Zoom meeting exactly on time and earlier than the client I’m meeting with. Success! Go straight into two more meetings after that. Between meetings, I am super hungry and can’t resist eating a handful of potato chips and two sugar cookies that came with the take-home BBQ lunch earlier this week.
3:00pm - Come up for air. Make a sandwich so I can eat some real food. Read documentation while I’m eating so I stay clocked in. Around 4pm, I switch to updating my project trackers and send out some week end updates to stakeholders. I have one last task I need to do before Monday but I don’t have any more time so I leave about an hour of work for Sunday. The week was really light anyway due to some of my mental health time, and I’ve only logged 32h of billable work. With the projects that are going to ramp up this month, I will likely work overtime in the coming weeks so I am not worried about this week.
5:15pm - Clock out. Quickly change into exercise clothes and get my PT in.
6:15pm - Feed our cat first dinner and then go to my friend’s for dinner and hiking planning. T stays at home to do some work. My friend is cooking and using vegetables from her garden so I bring a bottle of wine we’ve had at home forever and a quarter of the cake from our other friend and she makes spaghetti squash, turkey tomato sauce, and roasted squash seeds. We eat while making sure we're all set for tomorrow.
9:30pm - Home, feed our cat second dinner. Walk through the plan for tomorrow with T and pack.
10:30pm - Nighttime routine. Take some ibuprofen proactively. Read until my eyes are heavy and I am asleep by 11:30pm.
Saturday - $41.03
4:30am - Alarm. Question my sanity. Do my morning routine with no hair wash. Make coffee and sandwiches to go. Do some stretches and get the pets set up to be on their own for a while.
6:00am - Arrive at my friend’s house. Eat some fresh baked bread, peanut butter, and banana with them. Pack up the car and hit the road.
8:00am - Stop at a convenience store to pick up snacks: mixed nuts, bananas, peanut butter crackers and protein bars. We also get two more liters of water. We are already hungry and decide to each get an egg and sausage sandwich too. The total is $20.66 and I’ll pay half of it. - $10.33
8:30am - Arrive at the trailhead and find free parking. Triple-check our equipment and supplies, and then hit the trail.
12:00pm - Reach the summit. We’re mostly fogged in and it’s cold and rainy. Add a few more layers and a rain jacket. Find a rock to post up on and eat our sandwiches, bananas, and mixed nuts. By the time we finish eating, the wind picked up but that caused the fog to clear out a bit. We were rewarded with gorgeous red, orange and yellow views of the valley. It’s getting really cold though, and we decide it’s time to head back by 12:45.
3:30pm - Arrive at the car. Eat a protein bar. On the trek back, we all openly fantasized about having ice cold beers. As soon as we get on the road and have service again, we find a brewery that’s on the way home.
5:00pm - After one brewery is full for outdoor seating, we find another one with a table outside. I have a beer flight and T has a beer, and we split pretzel rolls, a sausage, and a chicken salad. We put my friend and her spouse’s food on the same check; I put the whole thing on the joint card and offer to cover tip so we can compensate them for gas and driving. The total check is $87 and we leave an $18 tip; after my friend Venmo’s us for their half of the bill before tip, $61.40 is the remaining and I will transfer half to D. - $30.70
8:00pm - We safely make it back to our friends’ home and grab my car, and a quick 10 mins later, we arrive home. D walks our dog and I feed our cat. My coffee arrived today (just in time because I finished the DD coffee this morning too) and my RTR bag came, which is unusual - They usually don’t deliver on Saturdays but I’m not complaining! T showers and then I shower. It’s the best shower I’ve ever had. I really want to wash my hair but don’t want to wait for my hair to dry (and don’t want to sleep with it wet either!) so just put it up in a bun to hold it over until tomorrow.
9:00pm - D makes tea for us and I grab Ibuprofen and ice packs. My knee is in some serious pain but luckily I have a video meeting with my physical therapist on Monday. I was a little over-ambitious giving the green light to this trail... We watch an episode of Marcella.
10:00pm - I do my nighttime routine and go to bed. I fall asleep as soon as my head hits the pillow.
Food + Drink: $235.05
Fun / Entertainment: $41.03
Home + Health: $61.63
Clothes + Beauty: $0
Outside of the car repairs, this week is fairly typical overall. Two expensive dining out meals in one week is rare for us since the pandemic, but we've been doing takeout at least once a week, and going out ended up replacing that. Otherwise, T is really quite good at cooking cheaply at home, and this is an area of significant savings since the pandemic. I also tend to curtail my internet shopping a lot, so the lack of unplanned purchases this week is also not unusual. I often wait a week or two after I've had a thought that I want something to make sure it's a need and not just a want. I probably go a bit overboard with this and sometimes put off needs because any purchase could make me feel anxious about spending money.
A goal of mine going into this was to confront my relationship with money, and I feel I've accomplished that this week. It's a work in progress. I admit I sometimes avoid looking at my account out of fear for what I'll find (which again, is really quite nonsensical). I never find bad news, but I think I get somewhat scared I'll let my spending get out of control, or that something terrible will happen and I'll be right back where I started. But reflecting on this... I think I'm doing pretty well with good financial habits and making progress on what has really been a rocky financial past. And that perhaps a lot of my fears are negative self-talk, or potentially even traumas from my past that I should probably discuss with a therapist. This is something I would like to focus on, and if anyone has felt similarly before, I am open to feedback!
Thanks for reading!
Wall Street Week Ahead for the trading week beginning March 9th, 2020
Here is everything you need to know to get you ready for the trading week beginning March 9th, 2020.
Wall Street braces for more market volatility as wild swings become the ‘new normal’ amid coronavirus - (Source)
The S&P 500 has never behaved like this, but Wall Street strategists say get used to it.
Investors just witnessed the equity benchmark swinging up or down 2% for four days straight in the face of the coronavirus panic.
In the index’s history dating back to 1927, this is the first time the S&P 500 had a week of alternating gains and losses of more than 2% from Monday through Thursday, according to Bespoke Investment Group. Daily swings like this over a two-week period were only seen at the peak of the financial crisis and in 2011 when U.S. sovereign debt got its first-ever downgrade, the firm said.
“The message to all investors is that they should expect this volatility to continue. This should be considered the new normal going forward,” said Mike Loewengart, managing director of investment strategy at E-Trade.
The Dow Jones Industrial Average jumped north of 1,000 points twice in the past week, only to erase the quadruple-digit gains in the subsequent sessions. The coronavirus outbreak kept investors on edge as global cases of the infections surpassed 100,000. It’s also spreading rapidly in the U.S. California has declared a state of emergency, while the number of cases in New York reached 33.
“Uncertainty breeds greater market volatility,” Keith Lerner, SunTrust’s chief market strategist, said in a note. “Much is still unknown about how severe and widespread the coronavirus will become. From a market perspective, what we are seeing is uncomfortable but somewhat typical after shock periods.”
More stimulus?So far, the actions from global central banks and governments in response to the outbreak haven’t triggered a sustainable rebound.
The Federal Reserve’s first emergency rate cut since the financial crisis did little to calm investor anxiety. President Donald Trump on Friday signed a sweeping spending bill with an$8.3 billion packageto aid prevention efforts to produce a vaccine for the deadly disease, but stocks extended their heavy rout that day.
“The market is recognizing the global authorities are responding to this,” said Tom Essaye, founder of the Sevens Report. “If the market begins to worry they are not doing that sufficiently, then I think we are going to go down ugly. It is helping stocks hold up.”
Essaye said any further stimulus from China and a decent-sized fiscal package from Germany would be positive to the market, but he doesn’t expect the moves to create a huge rebound.
The fed funds future market is now pricing in the possibility of the U.S. central bank cutting by 75 basis points at its March 17-18 meeting.
Where is the bottom?Many on Wall Street expect the market to fall further before recovering as the health crisis unfolds.
Binky Chadha, Deutsche Bank’s chief equity strategist, sees a bottom for the S&P 500 in the second quarter after stocks falling as much as 20% from their recent peak.
“The magnitude of the selloff in the S&P 500 so far has further to go; and in terms of duration, just two weeks in, it is much too early to declare this episode as being done,” Chadha said in a note. “We do view the impacts on macro and earnings growth as being relatively short-lived and the market eventually looking through them.”
Deutsche Bank maintained its year-end target of 3,250 for the S&P 500, which would represent a 10% gain from here and a flat return for 2020.
Strategists are also urging patience during this heightened volatility, cautioning against panic selling.
“It is during times like these that investors need to maintain a longer-term perspective and stick to their investment process rather than making knee-jerk, binary decisions,” Brian Belski, chief investment strategist at BMO Capital Markets, said in a note.
This past week saw the following moves in the S&P:
Major Indices for this past week:
Major Futures Markets as of Friday's close:
Economic Calendar for the Week Ahead:
Sector Performance WTD, MTD, YTD:
Percentage Changes for the Major Indices, WTD, MTD, QTD, YTD as of Friday's close:
S&P Sectors for the Past Week:
Major Indices Pullback/Correction Levels as of Friday's close:
Major Indices Rally Levels as of Friday's close:
Most Anticipated Earnings Releases for this week:
Here are the upcoming IPO's for this week:
Friday's Stock Analyst Upgrades & Downgrades:
A "Run of the Mill" Drawdown
If you're like us, you've heard a lot of people reference the recent equity declines as a sign that the market is pricing in some sort of Armageddon in the US economy. While comments like that make for great soundbites, a little perspective is in order. Since the S&P 500's high on February 19th, the S&P 500 is down 12.8%. In the chart below, we show the S&P 500's annual maximum drawdown by year going back to 1928. In the entire history of the index, the median maximum drawdown from a YTD high is 13.05%. In other words, this year's decline is actually less than normal. Perhaps due to the fact that we have only seen one larger-than-average drawdown in the last eight years is why this one feels so bad.
The fact that the current decline has only been inline with the historical norm raises a number of questions. For example, if the market has already priced in the worst-case scenario, going out and adding some equity exposure would be a no brainer. However, if we're only in the midst of a 'normal' drawdown in the equity market as the coronavirus outbreak threatens to put the economy into a recession, one could argue that things for the stock market could get worse before they get better, especially when we know that the market can be prone to over-reaction in both directions. The fact is that nobody knows right now how this entire outbreak will play out. If it really is a black swan, the market definitely has further to fall and now would present a great opportunity to sell more equities. However, if it proves to be temporary and after a quarter or two resolves itself and the economy gets back on the path it was on at the start of the year, then the magnitude of the current decline is probably appropriate. As they say, that's what makes a market!
Long-Term Treasuries Go Haywire
Take a good luck at today's moves in long-term US Treasury yields, because chances are you won't see moves of this magnitude again soon. Let's start with the yield on the 30-year US Treasury. Today's decline of 29 basis points in the yield will go down as the largest one-day decline in the yield on the 30-year since 2009. For some perspective, there have only been 25 other days since 1977 where the yield saw a larger one day decline.
It Doesn't Get Much Worse Than This For Crude Oil
Crude oil prices are down close to 10% today in what is shaping up to be the worst day for crude oil since late 2014. That's more than five years.
10-Year Treasury Yield Breaks Below 1%
Despite strong market gains on Wednesday, March 4, 2020, the on-the-run 10-year Treasury yield ended the day below 1% for the first time ever and has posted additional declines in real time, sitting at 0.92% intraday as this blog is being written. “The decline in yields has been remarkable,” said LPL Research Senior Market Strategist Ryan Detrick. “The 10-year Treasury yield has dipped below 1%, and today’s declines are likely to make the recent run lower the largest decline of the cycle.”
As shown in LPL Research’s chart of the day, the current decline in the 10-year Treasury yield without a meaningful reversal (defined as at least 0.75%) is approaching the decline seen in 2011 and 2012 and would need about another two months to be the longest decline in length of time. At the same time, no prior decline has lasted forever and a pattern of declines and increases has been normal.
What are some things that can push the 10-year Treasury yield higher?
- A shrinking but still sizable yield advantage over other developed market sovereign debt
- Added stock volatility if downside risks to economic growth from the coronavirus increase
- A larger potential premium over shorter-term yields if the Federal Reserve aggressively cuts interest rates
On balance, our view remains that the prospect of an economic rebound over the second half points to the potential for interest rates moving higher. At the same time, we still see some advantage in the potential diversification benefits of intermediate maturity high-quality bonds, especially during periods of market stress. We continue to recommend that suitable investors consider keeping a bond portfolio’s sensitivity to changes in interest rates below that of the benchmark Bloomberg Barclays U.S. Aggregate Bond Index by emphasizing short to intermediate maturity bonds, but do not believe it’s time to pile into very short maturities despite the 10-year Treasury yield sitting at historically low levels.
- A second half economic rebound acting a catalyst for a Treasury sell-off
- As yields move lower, investors may increasingly seek more attractive sources of income
- Any dollar weakness could lead to some selling by international investors
- Longer maturity Treasuries are looking like an increasingly crowded trade, potentially adding energy to any sell-off
U.S. Jobs Growth Marches On
While stock markets continue to be extremely volatile as they come to terms with how the coronavirus may affect global growth, the U.S. job market has remained remarkably robust. Continued U.S. jobs data resilience in the face of headwinds from the coronavirus outbreak may be a key factor in prolonging the expansion, given how important the strength of the U.S. consumer has been late into this expansion.
The U.S. Department of Labor today reported that U.S. nonfarm payroll data had a strong showing of 273,000 jobs added in February, topping the expectation of every Bloomberg-surveyed economist, with an additional upward revision of 85,000 additional jobs for December 2019 and January 2020. This has brought the current unemployment rate back to its 50-year low of 3.5%. So far, it appears it’s too soon for any effects of the coronavirus to have been felt in the jobs numbers. (Note: The survey takes place in the middle of each month.)
On Wednesday, ADP released its private payroll data (excluding government jobs), which increased by 183,000 in February, also handily beating market expectations. Most of these jobs were added in the service sector, with 44,000 added in the leisure and hospitality sector, and another 31,000 in trade/transportation/utilities. Both of these areas could be at risk of potential cutbacks if consumers start to avoid eating out or other leisure pursuits due to coronavirus fears.
As shown in the LPL Chart of the Day, payrolls remain strong, and any effects of the virus outbreaks most likely would be felt in coming months.
While there is bound to be some drag on future jobs data from the coronavirus-related slowdown, we would anticipate that the effects of this may be transitory. We believe economic fundamentals continue to suggest the possibility of a second-half-of-the–year economic rebound.
Down January & Down February: S&P 500 Posts Full-Year Gain Just 43.75% of Time
The combination of a down January and a down February has come about 17 times, including this year, going back to 1950. Rest of the year and full-year performance has taken a rather sizable hit following the previous 16 occurrences. March through December S&P 500 average performance drops to 2.32% compared to 7.69% in all years. Full-year performance is even worse with S&P 500 average turning to a loss of 4.91% compared to an average gain of 9.14% in all years. All hope for 2020 is not lost as seven of the 16 past down January and down February years did go on to log gains over the last 10 months and full year while six enjoyed double-digit gains from March to December.
Take Caution After Emergency Rate Cut
Today’s big rally was an encouraging sign that the markets are becoming more comfortable with the public health, monetary and political handling of the situation. But the history of these “emergency” or “surprise” rate cuts by the Fed between meetings suggest some caution remains in order.
The table here shows that these surprise cuts between meetings have really only “worked” once in the past 20+ years. In 1998 when the Fed and the plunge protection team acted swiftly and in a coordinated manner to stave off the fallout from the financial crisis caused by the collapse of the Russian ruble and the highly leveraged Long Term Capital Management hedge fund markets responded well. This was not the case during the extended bear markets of 2001-2002 and 2007-2009.
Bottom line: if this is a short-term impact like the 1998 financial crisis the market should recover sooner rather than later. But if the economic impact of coronavirus virus is prolonged, the market is more likely to languish.
STOCK MARKET VIDEO: Stock Market Analysis Video for Week Ending March 6th, 2020
STOCK MARKET VIDEO: ShadowTrader Video Weekly 3.8.20
Monday 3.9.20 Before Market Open:
Monday 3.9.20 After Market Close:
Tuesday 3.10.20 Before Market Open:
Tuesday 3.10.20 After Market Close:
Wednesday 3.11.20 Before Market Open:
Wednesday 3.11.20 After Market Close:
Thursday 3.12.20 Before Market Open:
Thursday 3.12.20 After Market Close:
Friday 3.13.20 Before Market Open:
Friday 3.13.20 After Market Close:
([CLICK HERE FOR FRIDAY'S AFTER-MARKET EARNINGS TIME & ESTIMATES!]())NONE.
Adobe Inc. $336.77
Adobe Inc. (ADBE) is confirmed to report earnings at approximately 4:05 PM ET on Thursday, March 12, 2020. The consensus earnings estimate is $2.23 per share on revenue of $3.04 billion and the Earnings Whisper ® number is $2.29 per share. Investor sentiment going into the company's earnings release has 81% expecting an earnings beat The company's guidance was for earnings of approximately $2.23 per share. Consensus estimates are for year-over-year earnings growth of 29.65% with revenue increasing by 16.88%. Short interest has decreased by 38.4% since the company's last earnings release while the stock has drifted higher by 7.2% from its open following the earnings release to be 10.9% above its 200 day moving average of $303.70. Overall earnings estimates have been revised higher since the company's last earnings release. On Monday, February 24, 2020 there was some notable buying of 1,109 contracts of the $400.00 call expiring on Friday, March 20, 2020. Option traders are pricing in a 9.3% move on earnings and the stock has averaged a 4.1% move in recent quarters.
DICK'S Sporting Goods, Inc. $34.98
DICK'S Sporting Goods, Inc. (DKS) is confirmed to report earnings at approximately 7:30 AM ET on Tuesday, March 10, 2020. The consensus earnings estimate is $1.23 per share on revenue of $2.56 billion and the Earnings Whisper ® number is $1.28 per share. Investor sentiment going into the company's earnings release has 57% expecting an earnings beat. Consensus estimates are for year-over-year earnings growth of 14.95% with revenue increasing by 2.73%. Short interest has decreased by 29.1% since the company's last earnings release while the stock has drifted lower by 20.3% from its open following the earnings release to be 12.0% below its 200 day moving average of $39.75. Overall earnings estimates have been revised higher since the company's last earnings release. On Wednesday, February 26, 2020 there was some notable buying of 848 contracts of the $39.00 put expiring on Friday, March 20, 2020. Option traders are pricing in a 14.4% move on earnings and the stock has averaged a 7.3% move in recent quarters.
Broadcom Limited $269.45
Broadcom Limited (AVGO) is confirmed to report earnings at approximately 4:15 PM ET on Thursday, March 12, 2020. The consensus earnings estimate is $5.34 per share on revenue of $5.93 billion and the Earnings Whisper ® number is $5.45 per share. Investor sentiment going into the company's earnings release has 83% expecting an earnings beat. Consensus estimates are for earnings to decline year-over-year by 5.65% with revenue increasing by 2.44%. Short interest has decreased by 15.6% since the company's last earnings release while the stock has drifted lower by 15.3% from its open following the earnings release to be 7.7% below its 200 day moving average of $291.95. Overall earnings estimates have been revised lower since the company's last earnings release. On Tuesday, February 25, 2020 there was some notable buying of 1,197 contracts of the $260.00 put expiring on Friday, April 17, 2020. Option traders are pricing in a 11.1% move on earnings and the stock has averaged a 4.9% move in recent quarters.
Thor Industries, Inc. $70.04
Thor Industries, Inc. (THO) is confirmed to report earnings at approximately 6:45 AM ET on Monday, March 9, 2020. The consensus earnings estimate is $0.76 per share on revenue of $1.79 billion and the Earnings Whisper ® number is $0.84 per share. Investor sentiment going into the company's earnings release has 62% expecting an earnings beat. Consensus estimates are for year-over-year earnings growth of 16.92% with revenue increasing by 38.70%. Short interest has decreased by 12.9% since the company's last earnings release while the stock has drifted higher by 5.4% from its open following the earnings release to be 12.0% above its 200 day moving average of $62.53. Overall earnings estimates have been revised lower since the company's last earnings release. Option traders are pricing in a 6.3% move on earnings and the stock has averaged a 8.1% move in recent quarters.
ULTA Beauty $256.58
ULTA Beauty (ULTA) is confirmed to report earnings at approximately 4:00 PM ET on Thursday, March 12, 2020. The consensus earnings estimate is $3.71 per share on revenue of $2.29 billion and the Earnings Whisper ® number is $3.75 per share. Investor sentiment going into the company's earnings release has 73% expecting an earnings beat. Consensus estimates are for year-over-year earnings growth of 2.77% with revenue increasing by 7.78%. Short interest has increased by 8.7% since the company's last earnings release while the stock has drifted lower by 0.1% from its open following the earnings release to be 9.5% below its 200 day moving average of $283.43. Overall earnings estimates have been revised lower since the company's last earnings release. Option traders are pricing in a 15.3% move on earnings and the stock has averaged a 11.7% move in recent quarters.
Slack Technologies, Inc. $26.42
Slack Technologies, Inc. (WORK) is confirmed to report earnings at approximately 4:15 PM ET on Thursday, March 12, 2020. The consensus estimate is for a loss of $0.06 per share on revenue of $173.06 million and the Earnings Whisper ® number is ($0.04) per share. Investor sentiment going into the company's earnings release has 67% expecting an earnings beat The company's guidance was for a loss of $0.07 to $0.06 per share on revenue of $172.00 million to $174.00 million. Short interest has increased by 1.2% since the company's last earnings release while the stock has drifted higher by 19.0% from its open following the earnings release. Overall earnings estimates have been revised higher since the company's last earnings release. The stock has averaged a 4.3% move on earnings in recent quarters.
Dollar General Corporation $158.38
Dollar General Corporation (DG) is confirmed to report earnings at approximately 6:55 AM ET on Thursday, March 12, 2020. The consensus earnings estimate is $2.02 per share on revenue of $7.15 billion and the Earnings Whisper ® number is $2.05 per share. Investor sentiment going into the company's earnings release has 76% expecting an earnings beat. Consensus estimates are for year-over-year earnings growth of 9.78% with revenue increasing by 7.52%. Short interest has increased by 16.2% since the company's last earnings release while the stock has drifted higher by 1.8% from its open following the earnings release to be 5.7% above its 200 day moving average of $149.88. Overall earnings estimates have been revised higher since the company's last earnings release. On Friday, February 28, 2020 there was some notable buying of 1,013 contracts of the $182.50 call expiring on Friday, March 20, 2020. Option traders are pricing in a 9.2% move on earnings and the stock has averaged a 5.7% move in recent quarters.
Stitch Fix, Inc. $22.78
Stitch Fix, Inc. (SFIX) is confirmed to report earnings at approximately 4:05 PM ET on Monday, March 9, 2020. The consensus earnings estimate is $0.06 per share on revenue of $452.96 million and the Earnings Whisper ® number is $0.09 per share. Investor sentiment going into the company's earnings release has 83% expecting an earnings beat The company's guidance was for revenue of $447.00 million to $455.00 million. Consensus estimates are for earnings to decline year-over-year by 50.00% with revenue increasing by 22.33%. Short interest has decreased by 4.6% since the company's last earnings release while the stock has drifted lower by 16.1% from its open following the earnings release to be 5.1% below its 200 day moving average of $24.01. Overall earnings estimates have been revised higher since the company's last earnings release. On Wednesday, February 19, 2020 there was some notable buying of 4,026 contracts of the $35.00 call expiring on Friday, June 19, 2020. Option traders are pricing in a 28.0% move on earnings and the stock has averaged a 15.2% move in recent quarters.
Sogou Inc. $3.85
Sogou Inc. (SOGO) is confirmed to report earnings at approximately 4:00 AM ET on Monday, March 9, 2020. The consensus earnings estimate is $0.09 per share on revenue of $303.08 million and the Earnings Whisper ® number is $0.10 per share. Investor sentiment going into the company's earnings release has 58% expecting an earnings beat The company's guidance was for revenue of $290.00 million to $310.00 million. Consensus estimates are for year-over-year earnings growth of 28.57% with revenue increasing by 1.78%. Short interest has increased by 6.6% since the company's last earnings release while the stock has drifted lower by 27.8% from its open following the earnings release to be 15.7% below its 200 day moving average of $4.57. Overall earnings estimates have been revised lower since the company's last earnings release. The stock has averaged a 3.8% move on earnings in recent quarters.
DocuSign (DOCU) is confirmed to report earnings at approximately 4:05 PM ET on Thursday, March 12, 2020. The consensus earnings estimate is $0.05 per share on revenue of $267.44 million and the Earnings Whisper ® number is $0.08 per share. Investor sentiment going into the company's earnings release has 81% expecting an earnings beat The company's guidance was for revenue of $263.00 million to $267.00 million. Consensus estimates are for year-over-year earnings growth of 600.00% with revenue increasing by 33.90%. Short interest has decreased by 37.7% since the company's last earnings release while the stock has drifted higher by 12.1% from its open following the earnings release to be 31.9% above its 200 day moving average of $63.71. Overall earnings estimates have been revised higher since the company's last earnings release. On Wednesday, March 4, 2020 there was some notable buying of 1,698 contracts of the $87.50 call expiring on Friday, March 20, 2020. Option traders are pricing in a 8.5% move on earnings and the stock has averaged a 10.0% move in recent quarters.