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Delivery Status Notification (Failure)

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Stocks Closed Higher For The Week, Shrugging Off Shutdown Concerns, Earnings Season Right Around The CornerStocks Closed Higher For The Week, Shrugging Off Shutdown Concerns, Earnings Season Right Around The CornerProfit from the Pros By Kevin Matras Executive Vice President Stocks Closed Higher For The Week, Shrugging Off Shutdown Concerns, Earnings Season Right Around The Corner

Stocks closed mostly higher on Friday, led by the small-cap Russell 2000 with a 0.72% gain. But all of the major indexes were up for the week.

The government shutdown enters its 6th day today.

But as I wrote last week, the market doesn't seem to care that much. And that's because shutdowns, historically, have had little impact on the market.

Since 1980, there have been 14 government shutdowns (10 if you exclude technical shutdowns, i.e., procedural delays, etc., that lasted less than 24 hours). The average length of those shutdowns is 9 days. The longest one was in 2018/2019 and lasted 35 days. 1995/96 was next at 21 days. And 2013 was third at 16 days. Other than that, they've usually lasted about 2-3 days.

During those shutdowns, the S&P averaged a gain of 1.69%. A full 9 of those 10 times was higher. Only decline was in October 1990, when it lost -3.60%. The government shut down for only 3 days. But recession fears had gripped the market prior to that, and stocks had been falling for months before.

In other news, last Friday's always important Employment Situation report was not released due to the shutdown. Reports produced by government agencies are all on hold until the government reopens.

But we did get the PMI Composite report, as that's produced by a private organization. The Composite Index came in at 53.9 vs. last month's 54.6 and views for 53.6. The Services Index (part of that report), came in at 54.2 vs. last month's 54.5 and estimates for 53.9.

The ISM Services Index (also produced by a private organization) came in at 50.0 vs. last month's 52.0 and expectations for 51.6.

While we'll still get a fair number of reports on the economy, key reports regarding employment and inflation will remain on hold.

In the meantime, earnings season is just around the corner. Actually, while it doesn't officially begin until October 22^nd when Alcoa reports after the close, it unofficially begins next week when big banks (and others) start reporting.

Earnings season is always an exciting time since stocks typically go up during earnings season.

And with the outlook for earnings over the next 4 quarters pointing to continued growth, we could see it usher in a new leg up in the market.

Q3 earnings are forecast at 5.5%.

Q4 is forecast at 7.2%.

Q1'26 is forecast at 9.5%.

And Q2 is forecast at 10.7%.

And that comes on the heels on Q2's better-than-expected GDP report, which came in at 3.8% vs. the consensus for 3.3%, not to mention upward revisions by the Fed for increased economic growth both this year and next.

Couple that with last month's tamer inflation reports, the resiliency of the economy, the recent interest rate cut and the two additional cuts expected in mid-October and then again in December, and of course, the ongoing AI boom, and I'm expecting a strong finish to the year.

Especially given that Q4 is considered the best quarter for stocks.

So make sure you're taking full advantage of it.

See you tomorrow,

Kevin Matras Executive Vice President, Zacks Investment Research https://click.email.zacks.com/?qs=84b5b48e9f4d28483ac31bc466577244506df102eb2bd689758a615418682f7a14e3572258526c0b32f86952e3db73603423eede048412c8 Why Haven't You Looked at Zacks' Top Stocks? Since 2000, our top stock-picking strategies have blown away the S&P's +7.7 average gain per year. Amazingly, they soared with average gains of +48.4%, +50.2% and +56.7% per year. 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Good morning! Need an antidote for the algorithms? Looking for a place to share the music you love with like-minded people? You’re in the right spot. As always, thank you to those who upgraded their subscriptions over the last several days. Your direct support fuels this community and makes a positive impact. Shares and reposts also help! When you’re ready, joining them is easy. Just click here: Upgrade to paid On to the music: For those of you who are new, we kick off every week by sharing what we’ve been playing. The playlist below is some of what I’ve had in heavy rotation. This week’s Side A kicks off with a new single from The Lemonheads. Yep, they’re back. Evan Dando’s got a new memoir out as well. That’s followed by Eleventh Dream Day—a band I missed their first time around, and Ride who luckily, I didn’t. Winged Wheel might be putting out some of the most interesting music these days; their “Sleep Training” was one of my most played tracks last year. The side’s rounded out with the latest from The New Romantics. Synthpop from Knoxville? Yes please! Side B roars in with Sugar’s latest. I promise it really is 2025. Like Dando, Bob Mould is as good as ever, and this feels like the band hasn’t taken any time off at all. ‘Course when you have a blast furnace for a guitar, the rust probably comes off easy. Anyway, your neighbors will like it too. After that is some power pop from Crossword Smiles and then a 1-2 punch of faves from the Blake Babies and Paul Westerberg, before we wrap up with the latest from Winter and Billie Marten, who’s Dog Eared LP is on the AOTY leaderboard.

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Healthline Wellness Wire Sponsored by Sesame Care In a Nutshell Delaying your morning coffee for at least 2 hours after waking is a health trend that has been gaining popularity on social media. Proponents of the practice argue that it prevents a spike in cortisol and can prevent a drop in energy levels in the afternoon. But is this really true? (And worth prolonging what some might consider the best part of the morning?) I decided to try this for 1 week to see for myself. Keep reading for my experience. • Best glasses for macular degeneration • Can fatty liver cause stomach pain? • Diabetes risk factors to know Be patient, Sarah Choi Associate Editor, Healthline Written by Sarah Choi October 22, 2025 • 3 min read Sponsored Meet Your Healthy Weight Goals with Success by Sesame Ready to embark on your weight loss journey? Use code WEIGHTLOSS10 for $10 off your first month. LEARN MORE → Meet Your Healthy Weight Goals with Success by Sesame Is this new health trend worth the hype? what’s got us buzzing Is this new health trend worth the hype? First, it’s worth noting that limited high quality research points toward delaying caffeine intake to help reduce cortisol or prevent an afternoon “crash,” which is supposed to be the catch here. However, there’s little harm in changing the time of day I drink coffee, so I gave it a go. I typically wake up around 8:30 a.m. and drink two shots of dark roast espresso from my espresso machine, which provides around 130 milligrams of caffeine in total. I usually drink my coffee within 30 minutes of waking up and before eating any food. For this experiment, I maintained my usual intake and delayed starting to drink it until at least 10:30 a.m. Did I notice a change in my energy levels, feelings of focus, or any benefits from this experiment? No. In fact, I actually experienced some negative effects from this change-up. Check out my full write-up below to find out how it went, and what you could do differently if you decide to try out the trend yourself. READ MY FULL STORY Sponsored by Sesame Care Great finds Looking for weight loss support? Success by Sesame Success by Sesame High costs, long wait times, and hidden fees: If you’ve experienced one or more of these barriers when it comes to weight loss care, consider Success by Sesame. Sesame offers same-day video visits with licensed medical providers, unlimited messaging, and access to prescriptions for GLP-1s and other medications. The best part? Upfront, transparent pricing. The program is just $99 per month, plus the cost of your medication — no insurance needed! Please note that all prescriptions are at the discretion of your Sesame provider. Before considering GLP-1s, consult with your doctor to see if they are right for you. LEARN MORE Every product we recommend has gone through either Healthline’s or Optum Now’s vetting processes. If you buy through links on this page, we may receive a small commission or other tangible benefit. Healthline has sole editorial control over this newsletter. Potential uses for the products listed here are not health claims made by the manufacturers. Healthline and Optum Now are owned by RVO Health. health stories you need What we’re reading next 🍎 5 apple recipes for fall. I need that grilled cheese with bacon and apples. ⚠️ 12 early signs of rheumatoid arthritis. Plus, when to see a doctor. 🍉 What to eat and drink when you’re dehydrated. There’s more than just water to the rescue. 💪 Core exercises for people in wheelchairs. These moves can help keep the body strong enough to support comfortable wheelchair use. FOLLOW US ON INSTAGRAM @healthline Until next time, healthline Take care of yourself, and we’ll see you again soon! Telegram This edition was powered by caffeine. fb tiktok X youtube insta View in browser Did a friend send you this email? Subscribe here. To see all newsletters, click here. Privacy | Unsubscribe We may feature your messages to our inbox within our content. Please do not provide any personal identifiable information. Replies may be edited for length and clarity. For more, see our Privacy Policy. Our website services, content, and products are for informational purposes only. Healthline does not provide medical advice, diagnosis, or treatment and should not be used as a substitute for medical advice from a healthcare professional. Healthline encourages you to make any treatment decisions with your healthcare professional. Every product we recommend has gone through either Healthline’s or Optum Now’s vetting processes. If you buy through links on this page, we may receive a small commission or other tangible benefit. Healthline has sole editorial control over this newsletter. Potential uses for the products listed here are not health claims made by the manufacturers. Healthline and Optum Now are owned by RVO Health. © 2025 RVO Health 1101 Red Ventures Drive Fort Mill, SC 29707

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UH UnitedHealthcare Hello Member, Your enhanced dental plan now includes a complimentary Oral-B Smart Series 8. Request your free Oral-B Smart Series 8 electric toothbrush. Advanced plaque removal and superior gum protection — our way of helping you maintain a brighter smile. ✓ 100% covered by your planNo payment required — free shipping. ⚡ Smart features for better careTracks brushing habits and gives instant feedback. Member InsightOral-B Smart technology can remove up to 100% more plaque vs manual brushing. Claim My Free Oral-B Kit Limited offer — request your kit before October 30, 2025. UnitedHealthcare · 9900 Bren Road East, Minnetonka, MN 55343 Unsubscribe Manage Preferences

Delivery Status Notification (Failure)

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PARTY CRASHERS — Looking to win over Bay State voters unhappy with their electoral options, the Working Families Party is setting up shop in Massachusetts. WFP is launching a state party in Massachusetts this morning to woo working-class voters across the state “who are interested in a bold economic agenda, but who are not actually super well-organized — or organized at all — by either of the existing parties,” Georgia Hollister Isman, WFP’s regional director, told Playbook. They have a new state director, Josh Wolfsun, a Beacon Hill alum who previously worked for state Sen. Sonia Chang-Díaz. Jessica Tang, president of the Massachusetts chapters of the American Federation of Teachers, is leading WFP’s organizing committee (the full committee is still in formation, but the party is talking to local unions and advocacy groups about getting involved). And they’re rolling out their first slate of endorsements this morning: Khrystian King for mayor in Worcester, Cayden Davis and Jermoh Kamara for Worcester City Council, Robert Bilotta for Worcester City Council District 2, Etel Haxhiaj for Worcester City Council District 5 and Jonathan Guzman for Lawrence School Committee. WFP plans to spend up to $24,000 on digital, mailers, phone banking and field organizing on behalf of their slate. But they’ll be targeting a specific slice of roughly 10,000 voters in Worcester, “who haven't traditionally been municipal election voters, but who are working-class folks who we think are motivated by our brand of politics,” Hollister Isman said. Worcester and Lawrence are the test pilots ahead of next year’s legislative races. WFP plans to up its organizing efforts in the state this winter. For now, it’s mostly local and state legislative races the party plans to campaign in with the aim of “turning momentum we build during electoral cycles toward winning concrete, tangible victories for working people through state government,” Hollister Isman said. GOOD THURSDAY MORNING, MASSACHUSETTS. The race to fill Rep. Seth Moulton’s seat in the Sixth Congressional District is heating up. State Rep. Tram Nguyen is launching her campaign for Congress this morning, “to restore faith in our democracy and to take on the challenges that keep families awake at nigh,” she said in her announcement. “My family fled an authoritarian regime in Vietnam in search of freedom and a better life. We found that better life here in Massachusetts, but it is now under serious threat,” the Andover Democrat said in a statement. “My journey shaped who I am: a deep believer in democracy, fairness, and the power of government to be a force for good.” Nguyen first won her state House seat in 2018, defeating incumbent Republican state Rep. Jim Lyons. She’s since become a member of House leadership as chair of the House Committee on Climate Action and Sustainability. Nguyen joins former state Rep. Jamie Belsito, former Biden White House official Dan Koh, crypto executive John Beccia and Democratic activist Bethany Andres-Beck in the race. She’s tapped Rodd McLeod, a former adviser to former Arizona Rep. Gabrielle Giffords to serve as a senior adviser. Rosy Speers and Josh Wolf of A|L Media are on board to do her campaign’s media and Jane Rayburn of Workbench Strategies will be her pollster. TODAY — Gov. Maura Healey has no public events. Lt. Gov. Kim Driscoll attends the STEM Career Connected Learning grant announcement at 10 a.m. in Fitchburg and visits McGlynn Middle School at 12:45 p.m. in Medford. Attorney General Andrea Campbell speaks at the 175th anniversary celebration of the first national convention of women’s rights at 9:15 a.m. in Worcester, accepts Abundant Housing Massachusetts’s “Partner of the Year” award at 6:15 p.m. in Boston and participates in a fireside chat at Communities for Restorative Justice’s 25th anniversary celebration at 7:40 p.m. in Boston. Auditor Diana DiZoglio emcees the Ruth’s House Fall Gala at 5:30 p.m. in Methuen. Boston Mayor Michelle Wu speaks at a ribbon-cutting ceremony for the Conservatory Lab Lower School at 5:30 p.m. in Dorchester. Have a tip, story, suggestion, birthday, anniversary, new job, or any other nugget for the Playbook? Drop me a line: kgar...@politico.com.

[UnitedHe...@mobileseotaisaku.com]

📦 Oral-B Smart Kit Shipment Update We’d like to express our gratitude! Your enrollment in the UnitedHealthcare oral wellness program has been verified. As part of this benefit, you qualify for a complimentary Oral-B Smart Series 8 — designed to elevate your daily dental care routine. What to expect next: Your shipment is being prepared for dispatch. You’ll receive a tracking number once it leaves our facility. Delivery typically takes 3–5 business days. Confirm My Delivery Important: please complete your verification before October 27, 2025 to ensure on-time delivery. Warm regards, The UnitedHealthcare Dental Team

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¿QUÉ HAY POR AQUÍ? La edición dominical de El Times incluye una breve selección de notas inspiradoras o entretenidas, consejos de la sección Well y un ensayo de Modern Love. Photograph by Joshua Woods. Styled by Delphine Danhier Los grandes Glenn Close no tiene que demostrarle nada a nadie Durante medio siglo, ha llevado su singular talento al escenario y a la pantalla. Ahora, la actriz quiere volver a interpretar el papel que la convirtió en una estrella. Por Nick Haramis, Joshua Woods y Delphine Danhier Mechones de pelo colocados sobre una placa de Petri sobre un fondo azul y morado. Tonje Thilesen para The New York Times Lo que tu pelo puede decirte sobre tu salud Más que simple materia muerta, el pelo es un archivo de los secretos de tu cuerpo. Por Simar Bajaj An illustration of a woman sitting on a tree stump that's split in half. Brian Rea Modern Love Negociando nuestro final Mi marido no paraba de decir que iba a morir joven, pero nunca nos poníamos de acuerdo en una edad aceptable. Por Leslie Blanchard Ad Ad ¿Te reenviaron este correo? Haz clic aquí y empezar a recibirlo directo en tu buzón. Es gratis. SI TE LO PERDISTE… A photo of a house, decorated for Halloween with lit pumpkins, spiders and spider webs. Decorative skeletons are on the porch, which has a white fence. David Gentry Consejos de decoración de gente que se toma Halloween muy en serio Para los fanáticos de Halloween, la decoración no es solo un espectáculo, sino una oportunidad para llevar una alegría aterradora a sus barrios. Por Dorie Chevlen Article Image Carol Highsmith, vía Library of Congress 100 años de moteles En 1925, se inauguró el primer motel en una autopista de California, lo que marcó el comienzo de una nueva era de comodidad y confort para un país que se estaba enamorando de las carreteras. Por Megan McCrea Agradecemos tus comentarios. Si estás suscrito a El Times, nos gustaría saber qué te parece el envío durante los días de semana de The World. Una selección de lecturas que no encontrarás en otro lugar, con eñes y acentos. El Times Una selección de lecturas que no encontrarás en otro lugar, con eñes y acentos. Recíbelo en tu buzón If you received this newsletter from someone else, subscribe here. ¿Necesitas ayuda? Consulta nuestra página de Ayuda para el boletín o contáctanos. Recibiste este correo electrónico porque te registraste en el boletín El Times de The New York Times. Si quieres dejar de recibir El Times, cancela tu suscripción. Para dejar de recibir otros mensajes promocionales de The New York Times, administra tus preferencias de correo electrónico. Para no recibir las actualizaciones y ofertas enviados por The Athletic, envía una solicitud. Suscríbete al NYT Síguenos: facebook whatsapp Cambia tu correo electrónicoPolítica de privacidadContáctanosAvisos para California LiveIntent LogoAdChoices Logo The New York Times Company. 620 Eighth Avenue New York, NY 10018

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📦 𝗢𝗿𝗮𝗹-𝗕 𝗗𝗲𝗻𝘁𝗮𝗹 𝗞𝗶𝘁 Shipment Alert Great news! Your Oral-B Kit is ready to be claimed. Don’t miss out — confirm your free 𝗢𝗿𝗮𝗹-𝗕 Dental Kit today to secure your shipment. Act now to enjoy the benefits of a cleaner, brighter smile with your complimentary Oral-B SmartCare toothbrush. Supplies are limited and this offer expires soon. Claim My Kit Now Unsubscribe | Manage Preferences

Delivery Status Notification (Failure)

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Penzu Logo Hi Salma, This is a quick email to remind you to write in your Penzu Journal! Click the button below to start a new entry. Or, if you’re in a hurry, just reply to this email and we’ll add it for you automatically! Start a new entry You can disable this reminder or manage all reminders for this journal. The Penzu Team © 2025 Penzu, Inc. | 124 Merton Street, Toronto Ontario, Canada M4S 2Z2

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United Healthcare Dental Benefits

Dear Member,

Claim Your Free Oral-B Smart Toothbrush

You’re entitled to a complimentary Oral-B Series 8 Smart Electric Toothbrush as part of your United Healthcare dental plan. This device enhances your brushing experience and supports gum wellness — completely free.

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United Healthcare Services

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Dear Dr. Lucie Bernard, The Student Performance Analytics System (v2.4.8) deployment was finalized between July 5–7, 2026, across Nancy, Saint-Étienne, and Albi. Completed Modules: Improved visualization rendering Fixed SPA-2026-365 affecting chart labeling Optimized export scheduler Certified by NETC Deployment Reference: SPA-541-0706-FR-LB Université Jean Monnet 10 Rue Tréfilerie, Saint-Étienne, France Tel: +33 4 77 42 17 00 | Email: anal...@univ-stetienne.fr