All Tickers Mentioned Tonight By Mad Money Jim Cramer

• Micron Technology (MU) – Semiconductor stock favored by hedge fund manager Leopold Aschenbrenner.

• Asandius – Likely fictional or a misheard name; no matching real ticker.

• Intel (INTC) – Major semiconductor company; strong earnings but pressured by forced selling from margin calls.

• CoreWeave (CRWV) –AI player.

• Nebius (NBIS) – AI infrastructure company; ticker NBIS is correct.

• Bloom Energy (BE) – Hydrogen fuel‑cell company powering data centers.

• Adobe (ADBE) – Enterprise software company shorted by the hedge fund.

• Workday (WDAY) – Enterprise software company shorted.

• Salesforce (CRM) – Large enterprise software company shorted.

• Microsoft (MSFT) – Strong quarter; cloud and AI infrastructure leader.

• Meta Platforms (META) – Mentioned as “not firing on all cylinders.”

• Amazon (AMZN) – Strong quarter; AWS growth highlighted.

• Apple (AAPL) – Slight earnings/revenue beat; softness in services and margin outlook.

• Netflix (NFLX) – Down 22% YTD; Cramer advises holding due to rebound potential.

• IBM (IBM) – Highlighted for quantum computing breakthroughs and enterprise resilience.

• Jersey Mike’s Subs – Newly public; IPO mentioned; ticker JMS (2026 IPO).

• BlackBerry (BB) – Transitioned to cybersecurity and automotive platforms; recovering stock.

• Home Depot (HD) – Mentioned in comparison with Lowe’s.

• Lowe’s (LOW) – Said to be performing better than Home Depot.

• CrowdStrike (CRWD) – Cybersecurity company recommended.

• Howmet Aerospace (HWM) – Aerospace stock recommended.

• Farmers National Bank (FNB) – Regional bank mentioned positively.

• Bending Spoons (private)

• AMC Theatres (AMC) – Speculative stock discussed briefly.

• Coherence – Data‑center‑related. 

• Establishment Labs (ESTA) – Plastic‑surgery‑related business.

• Yum! Brands (YUM) – Franchise peer to Jersey Mike’s.

• Restaurant Brands International (QSR) – Franchise peer.

• Domino’s (DPZ) – Franchise peer.

• Wingstop (WING) – Franchise peer; previous CEO association.

Cramer’s Thesis:

Jim Cramer argues that the recent violent divergence in market-semiconductors collapsing while software and cloud names also sold off-was not driven by fundamentals, but by forced margin liquidation from Leopold Aschenbrenner’s hedge fund and copycat funds using extreme leverage.

Even companies with strong earnings (Intel, Microsoft, Amazon) saw their stocks fall because margin calls forced selling across the board. 

Cramer uses this to reinforce his core message: avoid margin and over‑leveraging, because it can create irrational price action that has nothing to do with business performance.

He highlights several opportunities created by the forced liquidation:

• Intel – Attractive after unnatural selling pressure.

• Jersey Mike’s – Strong franchise model; IPO dip is a potential opportunity.

• BlackBerry – Successful pivot to cybersecurity and automotive; strong YTD performance.

• IBM – Quantum computing breakthroughs with long‑term implications.

• Netflix – Despite declines, fundamentals support a rebound.

• Microsoft, Amazon, Apple -Strong companies temporarily dragged down by external leverage‑driven selling.

Cramer’s conclusion: Margin‑driven panic created temporary dislocations. Fundamentals remain intact. Disciplined investors who avoid leverage and focus on real business strength can benefit from these distortions.

Your Boss Is Like This

Mass Readings and Reflection for Thursday July 30th 2026

First Reading: (Jeremiah 18:1–6)

Responsorial Psalm: (Psalm 146:1–2, 3–4)

Response: Praise the Lord, O my soul.

Gospel Acclamation: Alleluia, Alleluia.

Open our hearts, O Lord,
to listen to the words of your Son.

Alleluia.

Gospel: (Matthew 13:47–53)

Reflection

Today's readings remind us that God is actively shaping His people, just as a potter patiently molds clay. Even when the vessel becomes spoiled, the potter does not discard it but lovingly reshapes it into something beautiful. Likewise, God never abandons us. Through His mercy, He continually reforms us whenever we return to Him.

In the Gospel, Jesus continues teaching through parables. The image of the fishing net reminds us that everyone is invited into God's Kingdom, but there will come a day of final judgment when good and evil will be separated. This is not meant to frighten us but to encourage us to live faithfully while there is still time to repent and grow in holiness.

Jesus uses familiar images from everyday life, fishing, farming, seeds, harvests, to reveal profound truths about God's Kingdom. His message assures us that God's Kingdom is already at work in the world and that nothing can prevent its ultimate fulfillment.

In a culture often distracted by noise, uncertainty, and competing voices, Christians are called to remain signs of hope. Many people today struggle with loneliness, anxiety, economic uncertainty, and fear about the future. Our response should be lives marked by prayer, charity, compassion, and unwavering trust in God.

May we allow God to shape our hearts like clay in the hands of the potter. May we live each day prepared for the coming of Christ, proclaim His Gospel with charity and truth, and become instruments of hope in a world longing for His light.

Amen.

Daily Mass Readings and Reflection for Wednesday, July 29th, 2026

First Reading: (1 John 4:7–16)

Responsorial Psalm: (Psalm 34)

Response: Taste and see that the Lord is good.

Gospel: (John 11:19–27)

Reflection

Today is the memorial of Saints Martha, Mary, and Lazarus, the siblings of Bethany who were friends of Jesus.

Lazarus is described in the Gospel as one whom Jesus loved. Jesus himself called Lazarus “our friend.” And when Lazarus died, Jesus wept. Those standing nearby saw his tears and said, “See how he loved him.”

This tells us something beautiful about our Lord: Jesus does not only want servants; he desires friends.

In John 15:15, Jesus tells his apostles, “I no longer call you servants... I have called you friends.”

What, then, does friendship with Jesus mean?

1. Friendship with Jesus requires deep trust.

Friends share their hearts with one another. They share their hopes, fears, plans, and struggles.

Martha demonstrates this trust when she meets Jesus after Lazarus has died. She does not hide her pain. She tells him plainly, “Lord, if you had been here, my brother would not have died.”

Yet even in her grief, she says, “Even now I know that whatever you ask from God, God will give you.”

That is faith.

Friendship with Jesus means that we can bring everything to him-our joys, disappointments, fears, questions, and wounds.

2. Friendship with Jesus requires a close relationship.

A relationship cannot grow without time.

Jesus visited the home of Martha, Mary, and Lazarus. He spent time with them. They welcomed him into their home and into their lives.

We, too, must spend time with Jesus.

Do we visit him in the Blessed Sacrament? Do we sit quietly before him? Do we speak to him in prayer? Do we share our hearts with him?

How can we call someone our friend if we never spend time with that person?

If Jesus is truly our friend, we must make time for him.

3. Friendship with Jesus means sharing his mission.

True friendship is not simply about receiving. Friends care for one another and work together.

When we become friends of Jesus, we become participants in his mission. We are called to love, forgive, serve, encourage, and bring his presence into the lives of others.

The first reading gives us the foundation: “God is love.”

If God lives in us, his love must become visible through us.

Today Jesus asks each one of us the same question he asked Martha:

“Do we believe this?”

Do we believe that Jesus is the resurrection and the life?

Do we believe that he is present even when we are experiencing grief?

Do we believe that he remains with us when our prayers seem unanswered?

Martha's response should become our own:

“Yes, Lord. I believe.”

Let us, therefore, make ourselves friends of Jesus.

Let us trust him deeply.
Let us spend time with him.
Let us visit him in the Blessed Sacrament.
Let us open our hearts to him in prayer.
And let us share in his mission of love.

When we make Jesus our friend, we discover that he also desires to make his home with us.

May Saints Martha, Mary, and Lazarus intercede for us, that we may grow ever closer to Christ and remain faithful friends of Jesus throughout our lives.

Amen 🙏 

These Were the Top Losers on the Street Today

 

Mass Reading and Reflection for Tuesday July 28th, 2026

First Reading: (Jeremiah 14:17–22)

Responsorial Psalm: (Psalm 79)

Gospel Acclamation

Alleluia, Alleluia.

The seed is the word of God; Christ is the Sower; all who come to him will live forever.

Alleluia, Alleluia.

Gospel: (Matthew 13:36–43)

Jesus left the crowds and went into the house. And his disciples came to him, saying,

"Explain to us the parable of the weeds of the field."

He answered,

"The one who sows the good seed is the Son of Man. The field is the world, and the good seed is the children of the kingdom. The weeds are the children of the evil one, and the enemy who sowed them is the devil. The harvest is the end of the age, and the reapers are angels.

Just as the weeds are gathered and burned with fire, so will it be at the end of the age. The Son of Man will send his angels, and they will gather out of his kingdom all causes of sin and all evildoers and throw them into the fiery furnace. In that place there will be weeping and gnashing of teeth.

Then the righteous will shine like the sun in the kingdom of their Father. Whoever has ears ought to hear.".

Reflection

The prophet Jeremiah presents before us a powerful lesson about repentance and God's mercy. Throughout Israel's history, God continually revealed Himself as a loving and compassionate Father. Despite the people's repeated unfaithfulness and tendency to turn away from Him, He never ceased inviting them back into His covenant love.

Yet there is an important truth we must never overlook: although God is infinitely merciful, we are not entitled to His mercy as though it were our right. God's mercy is always available, but we must humbly seek it. We must acknowledge our sins and ask for forgiveness.

In today's first reading, Israel finally comes before God and admits:

"We acknowledge our wickedness, O Lord... for we have sinned against you."

Only after this confession do they plead for mercy and restoration.

This teaches us that genuine repentance begins with honest self-examination. To acknowledge our guilt means to stop making excuses, stop blaming others, and accept responsibility for our actions.

How often do we say:

• "It was because of my spouse."
• "My coworkers made me do it."
• "If someone had not provoked me, I would not have reacted that way."

These excuses sound familiar because they echo the story of Adam and Eve. Adam blamed Eve. Eve blamed the serpent. Neither initially accepted responsibility for the choices they freely made.

The same temptation exists today. 

But true repentance sounds different. It says:

"I have sinned."

"It was my fault."

"I am sorry."

This is why at the beginning of every Mass we pray:

"Through my fault, through my fault, through my most grievous fault."

These words are not expressions of self-condemnation but acts of humility. They are declarations of truth before God.

Acknowledging our faults does not make us weak. Rather, it demonstrates spiritual maturity. A person cannot overcome a weakness they refuse to admit. Just as a sick person must first recognize their illness before seeking treatment, a sinner must recognize sin before receiving healing.

Many people remain spiritually stagnant because they refuse to confront their shortcomings. They defend themselves, justify their behavior, or point fingers elsewhere. Growth becomes impossible when responsibility is avoided.

The saints and great sinners who encountered God's mercy understood this truth.

• The Prodigal Son acknowledged his wrongdoing and returned to his father.
• Peter wept bitterly after denying Jesus.
• The woman caught in adultery stood before the Lord without excuses.

Each experienced restoration because each first acknowledged guilt.

This lesson also applies to our relationships with one another. When we hurt someone, a sincere apology can soften hearts and begin the process of healing. On the other hand, arguments, excuses, and self-justification often deepen wounds and prolong division.

Today, let us pray for the grace of humility. May we never be too proud in our sins or defensive about our faults. Instead, may we have the courage to say:

"Lord, I have sinned. I am sorry. Help me to change."

When we acknowledge our guilt and sincerely resolve to make amends, we open ourselves to God's mercy, His healing, and His blessings.

Amen.

Daily Mass Readings and Reflection for Monday, July 27th, 2026

First Reading: (Jeremiah 13:1–11)

Responsorial Psalm: (Deuteronomy 32:18–19, 20, 21)

“You forgot the God who gave you birth.”

Gospel Acclamation: 

“Of his own will he brought us forth by the word of truth that we should be a kind of first fruits of his creatures.” -James 1:18

Gospel: (Matthew 13:31–35)

Reflection

The first reading gives us a striking image: a linen waistcloth.

A waistcloth has a purpose. It is designed to be worn around a person's waist. Its usefulness is realized when it remains where it was intended to be.

But Jeremiah takes the waistcloth away from its proper place and buries it beside the river. After many days, it becomes spoiled and good for nothing.

God uses this simple object to teach Israel a profound lesson.

Israel had been created to cling to God. God had chosen His people, loved them, protected them, and given them a purpose. But they became proud and began to believe they could live without Him.

And that is the danger we face as well.

We Are Not Self-Made

How easily we begin to think that we are self-sufficient.

We look at our education, our careers, our money, our talents, our accomplishments, our homes, our possessions, and our abilities, and we begin to believe:

“I did this myself.”

But who gave us the life with which we accomplished these things?

Who gave us our talents?

Who gave us our intelligence?

Who gave us the opportunities?

Who gave us the strength to work?

Who gave us another day to live?

The answer is God.

Saint Paul reminds us:

“What have you that you did not receive?”- (1 Corinthians 4:7)

Everything we have ultimately comes from God.

Therefore, today's reading calls us to humility and gratitude.

The meditation's central message is not that human beings have no value. Quite the opposite.

We have extraordinary value because God has chosen us, loves us, and desires to use our lives for His purposes.

Just as the waistcloth was valuable when it remained attached to the person who wore it, we discover our true purpose when we remain attached to God.

Jesus says:

“Apart from me you can do nothing.”- John 15:5

That is a difficult statement for a culture that constantly tells us to be independent, self-made, and completely self-sufficient.

Christianity does not tell us that we are worthless.

It tells us something more beautiful:

Our worth does not come from ourselves. Our worth comes from God.

We are God's creation.

We are His children.

We are called to serve Him.

And when we surrender ourselves to Him, He can accomplish extraordinary things through ordinary people.

Then the Responsorial Psalm gives us a warning:

“You forgot the God who gave you birth.”

Forgetting God doesn't necessarily mean openly rejecting Him.

Sometimes we forget God simply by becoming too busy for Him.

We can become so consumed with work, money, success, relationships, entertainment, and personal ambitions that God gradually gets pushed into the background.

We may still call ourselves Christians, but God no longer occupies the center of our lives.

That is the danger.

Our blessings can become the very things that make us forget the One who gave them to us.

Your wealth should not make you forget God.

Your education should not make you forget God.

Your career should not make you forget God.

Your talents should not make you forget God.

Your success should not make you forget God.

Instead, the more God gives us, the more grateful we should become.

The reflection also gives us another important warning: do not become compromised.

Our Christian identity must mean something.

We are called to truth.

We are called to honesty.

We are called to integrity.

We are called to goodness.

We are called to holiness.

When we compromise our principles simply because doing so benefits us, we begin to lose the very identity God has given us.

Jesus teaches:

“You are the light of the world.” — Matthew 5:14

And:

“Let your light so shine before men, that they may see your good works and give glory to your Father who is in heaven.” - Matthew 5:16

Our lives should point back to God. The Mustard Seed and the Waistcloth

There is a beautiful connection between today's First Reading and Gospel.

Jeremiah teaches us that we must remain attached to God.

Jesus teaches us that God can accomplish great things through what appears small and insignificant.

The mustard seed is tiny, yet it becomes something great.

A person may feel insignificant, but when that person places his or her life in God's hands, God can use it for something far greater than the person could accomplish alone.

You don't have to be famous.

You don't have to be powerful.

You don't have to be wealthy.

You don't have to be important in the eyes of the world.

You simply need to remain close to God and available to Him.

God can take something small and make it fruitful.

Our Questions for Prayers and Reflection Today.

Today, we must ask ourselves:

• Have we become too self-sufficient and forgotten God?

• Do we recognize that everything we have ultimately comes from Him?

• Are we grateful for the gifts, talents, and opportunities God has given us?

• Have we compromised our values for money, success, approval, or convenience?

• Are we allowing God to use our lives for His purposes?

• What small thing can we place in God's hands today?

Let us never forget the God who gave us birth.

Let us never allow our blessings to make us arrogant.

Let us never confuse success with self-sufficiency.

And let us never become so distant from God that we lose sight of who we truly are.

The Lord says:

“I made the whole house of Israel and the whole house of Judah cling to me.”-Jeremiah 13:11

May we remain close to Him.

For when we remain in God's hands, our lives have purpose, our gifts have meaning, and even the smallest things we do can become instruments of His grace.

Amen

Microsoft By the Numbers This Summer 2026

 

Mass Readings and Reflection On Sunday, July 26th, 2026

First Reading: (1 Kings 3:5, 7–12)

Responsorial Psalm: (Psalm 119:57, 72, 76–77, 127–130)

Response:-“O Lord, how I love your law.”

Second Reading: (Romans 8:28–30)

Alleluia: (Matthew 11:25)

Alleluia, alleluia.

“Blessed are you, Father, Lord of heaven and earth; you have revealed to little ones the mysteries of the kingdom.” (Matthew 11:25)

Alleluia, alleluia.

Gospel: (Matthew 13:44–52)

Reflection

What is your treasure and what is my treasure?

Every one of us has something we consider extremely valuable. For some, it may be a dream home. For others, a beautiful car, the latest phone, a successful business, financial security, education, travel, or a particular position in life.

When something is truly important to us, we are willing to sacrifice for it.

Parents sacrifice enormously for their children's education. Someone may sell property to finance a business or pursue an opportunity abroad. Another person may work countless hours to acquire the home or car they have always wanted.

What we treasure determines what we are willing to sacrifice.

That is precisely the point Jesus makes in today's Gospel.

The man who discovers the treasure in the field recognizes its value immediately. He does not hesitate. He goes away, sells everything he has, and buys the field.

The merchant who discovers the pearl of great value does exactly the same thing. He recognizes that what he has found is worth more than everything he currently possesses.

Jesus is asking us to make the same discovery about the Kingdom of God.

Is Heaven Really Our Greatest Treasure?

Jesus tells us plainly:

“For where your treasure is, there your heart will be also.” -Matthew 6:21

That verse forces us to examine ourselves.

We may say that heaven is our greatest treasure, but do our lives demonstrate it?

If we treasure our careers, we make sacrifices for them.

If we treasure financial security, we save and invest.

If we treasure education, we study.

If we treasure our families, we make time for them.

If we treasure heaven, what are we willing to sacrifice for it?

This is where today's meditation becomes especially challenging.

The things we need to “sell” are not necessarily our houses, cars, careers, or possessions. The things that most need to be surrendered are the vices and sins that prevent us from becoming the people God calls us to be.

We need to sell our pride.

We need to sell our anger.

We need to sell our lust.

We need to sell our envy and jealousy.

We need to sell our gossip.

We need to sell our wickedness, laziness, resentment, dishonesty, and selfishness.

These are the things that cost us far more than any earthly possession ever could.

The Gospel message brings to mind the rich young man who approached Jesus and asked:

“Good Teacher, what must I do to inherit eternal life?” - Mark 10:17

Jesus challenged him to surrender what stood between him and God. The young man could not make that sacrifice.

“He went away sorrowful, for he had great possessions.” - Mark 10:22

He wanted eternal life, but he was unwilling to give up what had become more important to him.

And this is the question today's Gospel places before each of us:

What is standing between me and the Kingdom of God?

Perhaps it is not money.

Perhaps it is pride.

Perhaps it is an addiction.

Perhaps it is an unhealthy relationship.

Perhaps it is resentment toward someone who hurt us.

Perhaps it is our unwillingness to forgive.

Perhaps it is our obsession with status, possessions, recognition, or the approval of other people.

Whatever it is, Jesus asks us to recognize the greater treasure.

Solomon had the opportunity to choose whatever he wanted, yet he asked for wisdom.

The psalmist declares that God's law is more precious than gold.

Saint Paul reminds us that God is working toward our ultimate good.

And Jesus tells us that the Kingdom of Heaven is worth everything.

The message is remarkably consistent:

Do not trade eternal treasure for temporary possessions.

Everything we accumulate in this life will eventually be left behind. Houses, cars, careers, money, titles, technology, and possessions all belong to this world.

But the Kingdom of God is eternal.

Jesus therefore asks us to order our lives according to what lasts.

“Do not lay up for yourselves treasures on earth, where moth and rust consume and where thieves break in and steal, but lay up for yourselves treasures in heaven.” - Matthew 6:19–20

The Christian life requires sacrifice, but it is not a miserable sacrifice. The man in the parable sells everything with joy because he has discovered something infinitely more valuable.

When we truly recognize the worth of Christ and His Kingdom, giving up sin should not feel like losing something precious.

Today, let us ask ourselves:

• What is my greatest treasure?

• Where is my heart truly invested?

• If heaven is my treasure, what am I willing to sacrifice for it?

• What vice or sin do I need to surrender?

• Is there something I value more than my relationship with God?

• What can I do today to honor and care for an elderly person or grandparent?

May God give us the wisdom of Solomon to recognize what truly matters. May He give us the courage to surrender everything that separates us from Him. And may we have the joy of the man who discovered the treasure in the field-the joy of knowing that nothing in this world is worth more than the Kingdom of God.

Amen

Things They Don't Teach In School

 

This Was Reason for the Blood on the Street (Wall Street) On Friday

 

Daily Mass Readings and Reflection Friday, July 24th, 2026

First Reading: (Jeremiah 3:14–17)

Responsorial Psalm: (Jeremiah 31:10–12b, 13)

Response: The Lord will guard us as a shepherd guards his flock.

Alleluia: (Luke 8:15)

Alleluia, alleluia.

Blessed are they who have kept the word with a generous heart and yield a harvest through perseverance.

Alleluia, alleluia.

Gospel: (Matthew 13:18–23)

Reflection

Today's Gospel invites us to examine not the quality of God's Word but the condition of our hearts. The seed is always good because it is the Word of God. The difference lies in the soil that receives it.

Jesus explains four responses to God's Word.

The first is the hardened heart. Like seed that falls along the path, the Word never takes root because it is not understood or welcomed. The evil one quickly steals it away before it can transform the person.

The second is the shallow heart. These are people who receive God's Word with enthusiasm and joy, but their faith has no deep roots. When trials, suffering, or persecution come, they quickly abandon the Gospel. Their commitment depends on convenience rather than conviction.

The third is the distracted heart. The seed begins to grow, but it is choked by worldly concerns, anxiety, material possessions, ambition, and the constant distractions of daily life. The Word remains present but becomes unfruitful because other priorities occupy first place.

Finally, there is the good soil. These are the men and women who hear God's Word, understand it, persevere through difficulties, and allow it to shape their lives. Their faith produces abundant fruit according to the gifts God has given them.

The Gospel also reminds us that Jesus Himself was rejected. He was opposed by many, including some from His own hometown, the religious leaders who valued legalism over mercy, and even His own disciples, who were often slow to understand His mission. Yet Jesus never stopped sowing the seed of God's Kingdom.

We are called to imitate His perseverance. Rather than judging how much fruit others produce, we should focus on making our own hearts fertile soil. God does not expect the same harvest from everyone. Some bear thirtyfold, others sixtyfold, and still others a hundredfold. What matters is that we faithfully cultivate the gifts He has entrusted to us.

May we ask the Lord for hearts that are receptive, faithful, and fruitful, so that His Word may flourish within us and bring abundant blessings to others.

Amen

Watching For Earnings Call Tonight July 23rd 2026

Based on historical earnings reactions, current setups, and what the market is rewarding/punishing right now.

The market's current mood: Investors are punishing:

• weak guidance,
• margin compression,
• heavy capex,
• any AI story that isn't producing cash flow.

They're rewarding:

• revenue acceleration,
• free cash flow,
• raised guidance.

Highest Expected Volatility

INTC (Intel) ⭐⭐⭐⭐⭐

Expected move: ±12–18%

Options are reportedly pricing roughly a 15% move, above Intel's recent historical average earnings reaction. Investors are focused on:

• 18A manufacturing progress
• AI/data center growth
• Foundry business execution
• Gross margins

Bull case

• Revenue above ~$14.4B
• Strong margins
• Positive foundry commentary

Bear case

• Foundry losses widen
• AI story disappoints
• Weak Q3 outlook

My expectation: Slight beat, volatile conference call. Stock direction likely determined by guidance more than earnings.

SMMT (Summit Therapeutics) ⭐⭐⭐⭐⭐

Expected move: ±10–20%

This trades more on:

• Ivonescimab updates
• Trial data
• Regulatory commentary

Not really an earnings stock. Any clinical update can overwhelm financial results.

APPF (AppFolio) ⭐⭐⭐⭐

Expected move: ±8–15%

AppFolio has a strong record of beating expectations.

Last quarter:

• EPS beat
• Revenue grew 20%+ YoY.

With software names, investors want:

• subscription growth
• operating leverage
• AI monetization

Expectation: One of the higher probability beats tonight.

DECK (Deckers Outdoor) ⭐⭐⭐⭐

Expected move: ±8–12%

Historically one of the strongest operating companies in retail.

Market focus:

• HOKA growth
• Inventory levels
• Full-year guidance

If HOKA remains >20% growth, stock likely rallies.

Potential Positive Surprises

SAP ⭐⭐⭐⭐

SAP has become one of the market's favorite enterprise software names because of:

• cloud transition
• AI integration
• recurring revenue growth

Recent acquisitions show management is aggressively investing in AI and enterprise data infrastructure.

Expectation: Beat-and-raise more likely than miss-and-cut.

HIG (Hartford)

Insurance has been one of the market's strongest earnings groups.

Things investors like:

• pricing power
• higher investment income
• reasonable valuation

Expectation: Low drama quarter.

SSNC (SS&C Technologies)

Quiet compounder.

Investors will watch:

• recurring revenue
• margins
• wealth-management software demand

Historically tends to have smaller earnings reactions.

Potential Negative Surprise Risk

DLR (Digital Realty)

The AI/data-center theme has driven expectations sky-high.

Good earnings may already be priced in.

Risk:

• slower leasing
• capex concerns
• weaker guidance

RNG (RingCentral)

The market has become skeptical of UCaaS/cloud communications names.

Must show:

• enterprise growth
• stable retention
• AI monetization

Anything less can hurt the stock.

MXL (MaxLinear)

Historically volatile semiconductor name.

Investors want:

• inventory normalization
• networking demand improvement

Could easily move 10%+ either way.

Regional Banks

ASB

COLB

FIBK

GBCI

These typically trade on:

• Net Interest Margin
• Loan growth
• Credit quality
• Deposit trends

Current environment favors banks if:

• credit remains clean
• NIM stabilizes

I'd rank:

1. COLB
2. FIBK
3. GBCI
4. ASB

for probability of positive reaction.

Energy / Commodity Names

OVV (Ovintiv)

Watch:

• production guidance
• shareholder returns
• oil price outlook

Likely tied more to commodity commentary than earnings.

NEM (Newmont)

Gold miner.

If gold remains strong:

• cash flow
• production
• AISC costs

matter most.

Could be one of tonight's more interesting calls.

REITs

REXR

Industrial REIT.

Watch:

• occupancy
• rent spreads
• Southern California demand

Usually moderate earnings reaction.

ORC

Mortgage REIT.

Mostly interest-rate sensitive.

Higher volatility than most REITs.

Small-Cap Wildcards

OPTT

Very speculative.

Small earnings numbers matter less than:

• contracts
• backlog
• financing

Could move double digits.

EBC

RHI

Typically, guidance-driven. RHI is often viewed as an employment/economy indicator.

My "Most Likely Winners Tonight"

1. SAP
2. APPF
3. HIG
4. SSNC
5. DECK

Biggest Upside If They Beat

1. INTC
2. SMMT
3. APPF
4. DECK
5. MXL

Biggest Blow-Up Risk

1. INTC
2. SMMT
3. MXL
4. RNG
5. DLR

If I were trading purely on historical post-earnings reactions and current sentiment, INTC, APPF, DECK, SAP, and SMMT are the names I'd have on the screen immediately after the close. Their conference-call commentary is likely to matter more than the headline EPS number. 

Wealth Creates Options

The Talking Heads Podcasters Needs This One

 

Mass Readings with Reflections for Thursday July 23rd, 2026

First Reading: (Jeremiah 2:1–3, 7–8, 12–13)

Reflection

God remembers Israel's first love-their trust and dependence upon Him. Yet the people gradually drifted away. The tragedy was not merely breaking rules; it was abandoning a relationship.

The image of the "source of living waters" is one of the most powerful in Scripture. God offers life, grace, mercy, and truth. Yet people choose broken substitutes-wealth, power, pleasure, prestige, or self-sufficiency.

The Responsorial Psalm: (Psalm 36:6–1)

Response: "With you is the fountain of life, O Lord." 

Gospel Acclamation: (Matthew 11:25)

Reflection

God's deepest truths are not reserved for the powerful, educated, or influential. They are revealed to the humble-those who approach Him with childlike trust.

Saint Bridget embodied this spiritual simplicity despite her noble background.

Gospel: (Matthew 13:10–17)

Reflection

Jesus teaches in parables because spiritual truth requires more than intelligence. It requires openness of heart.

Many heard Jesus' words, but only some truly listened.

The danger Jesus identifies is not ignorance but hardness of heart.

Knowledge can increase humility, but it can also increase pride. That is the danger.

Faith begins when we acknowledge our limitations and allow God to lead us beyond what we can fully comprehend.

As Saint Bernard expressed:

"I believe though I do not comprehend."

This is the path walked by Saint Bridget and every saint.

On Saint Bridget of Sweden

Saint Bridget (1303-1373), wife, mother, widow, mystic, and patroness of Europe, experienced both worldly success and deep personal suffering.

After her husband's death, she dedicated herself entirely to prayer, penance, service to the poor, and obedience to God's will. Her life demonstrates that holiness is not escaping the world but allowing God to transform us within it.

She teaches us:

• Humility over pride
• Faith over certainty
• Prayer over self-reliance
• Eternal vision over worldly distractions

Daily Mass Readings and Reflection on July 22nd, 2026

First Reading (Option I): Song of Songs 3:1–4b

"I found him whom my heart loves."

First Reading:  (2 Corinthians 5:14–17)

Responsorial Psalm: (Psalm 63:2, 3–4, 5–6, 8–9)

Response: For you my soul is thirsting, O Lord my God.

Gospel Acclamation

Alleluia, Alleluia.

Tell us, Mary, what did you see on the way? I saw the glory of the risen Christ; I saw his empty tomb.

Alleluia.

Gospel: (John 20:1–2, 11–18)

Reflection

Today's Feast of Saint Mary Magdalene invites us to reflect on a simple yet profound question: How much do you love God?

Mary Magdalene is often misunderstood. Scripture does not identify her as Mary of Bethany, the sister of Martha and Lazarus, nor as the sinful woman who anointed Jesus' feet in the house of the Pharisee, nor as the woman caught in adultery. Rather, Mary Magdalene was a woman from Magdala who had been delivered by Jesus from seven demons (Luke 8:2; Mark 16:9). Transformed by His mercy, she became one of His most devoted followers.

Her life reveals what it truly means to love God with all one's heart, mind, soul, and strength.

First, after experiencing Christ's healing, she left behind her former life and became a faithful disciple. God's mercy changed her completely, making her a living example of the new creation described by St. Paul.

Second, Mary Magdalene did not merely follow Jesus; she generously supported His ministry with her own resources (Luke 8:1–3). Genuine love for God always expresses itself in generous service.

Third, when many fled in fear, Mary remained at the foot of the Cross. Her love was courageous and steadfast, remaining faithful even in the darkest hour.

Finally, she was the first to visit the tomb before dawn, driven by love stronger than fear. Because she sought Christ with all her heart, she became the first witness of His Resurrection. Pope Francis fittingly called her the "Apostle to the Apostles," for it was she who first proclaimed to them, "I have seen the Lord."

Like the bride in the Song of Songs, Mary sought the One whom her heart loved until she found Him. Like the psalmist, her soul thirsted for God above everything else.

Today, she asks each of us:

• Do I truly thirst for God?

• Do I seek Him even when life is dark and uncertain?

• Am I willing to give Him my time, my talents, my resources, my heart, my mind, my strength, and my will?

The greatest evidence of our love for Christ is not simply what we say, but how faithfully we follow Him each day.

May Saint Mary Magdalene teach us to seek Jesus with unwavering devotion, remain faithful through every trial, and boldly proclaim Him to the world with joyful hearts.

Saint Mary Magdalene, Apostle to the Apostles, pray for us. Amen.

Daily Mass Readings and Reflection for Tuesday, July 21st, 2026

First Reading: (Micah 7:14–15, 18–20)

Responsorial Psalm: (Psalm 85:2–4, 5–6, 7–8)

Response: Lord, show us your mercy and love.

Alleluia: (John 14:23)

Alleluia, alleluia.

"If anyone loves me, he will keep my word, and my Father will love him, and we will come to him."

Alleluia, alleluia.

Gospel: (Matthew 12:46–50)

Reflection:

The prophet Micah gives us one of the most beautiful descriptions of God's mercy found anywhere in Scripture:

"Who is a God like you, pardoning iniquity and passing over transgression... He does not retain his anger forever because he delights in mercy."

Human beings often find it difficult to forgive. When we are deeply hurt, we may distance ourselves from those who have offended us. Sometimes we refuse to listen to their apologies or even allow them into our presence. Such reactions make reconciliation difficult because the offender fears rejection.

God is not like that.

Whenever we fall into sin, God does not close His heart to us. He does not greet us with anger or shame us for our failures. Instead, He patiently waits for us to return, always ready to forgive. His mercy creates a welcoming path back to Him.

This is why the Sacrament of Reconciliation is such an extraordinary gift. In confession, we do not simply meet a priest-we encounter Jesus Christ Himself, who never tires of forgiving those who sincerely repent.

Sadly, many Catholics stay away from confession. Some are embarrassed to confess their sins. Others worry that the priest will think less of them. Some become discouraged because they repeatedly struggle with the same weaknesses and wonder whether there is any point in confessing them again.

The answer is always yes.

No faithful priest judges a sincere penitent. Bound by the sacred seal of confession, he acts only as an instrument of Christ's mercy. More importantly, Jesus never grows tired of welcoming us home. Every sincere confession brings healing, grace, and the strength to begin again.

One of the greatest tragedies today is that many people go for months-or even years-without celebrating the Sacrament of Reconciliation, yet continue to receive Holy Communion. God's mercy should never be taken for granted. His patience is not permission to remain in sin but an invitation to conversion.

Micah reminds us that God delights in mercy. He casts our sins into the depths of the sea, never to hold them against us again. His forgiveness is complete, His compassion is constant, and His love never fails.

Today, take a moment to reflect:

• When was my last good confession?

• What keeps me from approaching God's mercy?

• Do I trust that God truly forgives every sin I sincerely confess?

• Is there a need for repentance that I have been postponing?

God's mercy is one of the greatest treasures of our faith. Do not allow fear, shame, or discouragement to keep you away from His loving embrace. Instead, see His mercy as an invitation to return to Him with confidence.

May we never take God's patience for granted but respond to His loving mercy with sincere repentance, renewed faith, and a firm desire to walk more closely with Him each day. 

Amen.