In this Market Mondays clip, Rashad Bilal, Ian Dunlap, and Troy Millings dive deep into the world of "downward stocks," discussing some of the most prominent tech giants currently facing stock declines. The conversation kicks off with Rashad Bilal listing major losses: Netflix down by 34%, Meta by 22%, Microsoft by 17%, Tesla by 12%, and others. Which one is the most appealing right now? Ian Dunlap breaks down his long-term confidence in all of them but singles out Microsoft as his top short-term pick, followed closely by Tesla and Netflix. The discussion quickly pivots to Netflix’s latest ventures—from content strategy concerns to rumors about launching its own music streaming service and potentially signing superstars like Drake. Rashad Bilal voices his worries over Netflix's content quality and shifting focus but acknowledges the platform’s heavy-hitting original series and recent foray into live sports and blockbuster documentaries. Troy Millings sheds light on Netflix’s traditionally strong fourth and first quarters—pointing out successes like Stranger Things, Squid Game, and live sporting events, emphasizing optimism around Netflix’s near-future earnings and strategic partnerships, particularly regarding a potential Warner Brothers deal. Turning to Microsoft, Rashad Bilal and Ian Dunlap analyze the company’s flat stock performance over the past year. Ian Dunlap suggests Microsoft’s growth trajectory hinges on onboarding a new AI partner and the potential public offering of OpenAI, which could serve as major catalysts. He also draws parallels between Microsoft’s situation and opportunities in Bitcoin, highlighting potential long-term value despite recent stagnation. And let’s not forget Tesla—Ian Dunlap hints at the company's ongoing reinvention, distancing itself from merely being a car manufacturer and embracing advancements in autonomous tech, signaling renewed focus and long-term vision. Whether you’re an investor, tech enthusiast, or just want the inside scoop on today’s most-watched stocks, this clip offers premium insights and lively debate on what’s next for some of the market’s biggest names. Watch to hear which stocks the Market Mondays crew are watching most closely and why. *#MarketMondays #Stocks #Netflix #Microsoft #Tesla #TechStocks #Investing #AI #StreamingWars #FinancialAnalysis #StockMarket #LongTermInvesting #IanDunlap #RashadBilal #TroyMillings*

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Ready to buy a home or level up your finances? In this clip from "Black Out with Ian & Rashad," credit expert Jose Rodrigues breaks down everything you need to know about boosting your credit score and getting mortgage-ready.

Jose dives deep into the real facts behind credit reporting and scoring. Find out why checking your credit monthly (or even weekly!) is a game-changer, and how knowing what’s on your report can save you from surprises when you apply for that dream home. Jose explains why your credit data matters more than your actual score, the truth about payment history and credit utilization, and why one small late payment can drop your score by 60 points!

Discover the five main categories that impact your score the most, from payment history to credit mix and inquiries. Wondering about those “hard pulls” and how much they really hurt? Jose has the answers—spoiler: late payments and collections hit harder than inquiries.

Get advice on using tools like Self Lender and Petal Credit Card to build credit from scratch, and learn how to work with local credit unions for a stronger financial foundation. If you already have credit cards, hear why paying them down aggressively (not just to 30%) can boost your mortgage approval power.

Jose also touches on student loans, how to handle negative marks, and the advantages of using business credit to keep your personal score high. Thinking about leveraging your LLC for business vehicles? He explains why this move can help you borrow more when home shopping.

Don’t get tripped up by mistakes like maxing cards before your mortgage pull or relying on Credit Karma’s limited reports. Jose gives actionable steps for REAL credit improvement—no fluff.

If you want to raise your credit score fast, make smarter moves before buying real estate, or just get your financial life on track, this clip is loaded with practical tips.

**Timestamps (rough guide):**
- Why and how to check your credit (00:00:00)
- Understanding score categories and point breakdown (00:01:17)
- How payment history and utilization impact your score (00:02:13)
- Building credit with Self Lender, Petal, Capital One, and credit unions (00:05:00)
- Avoiding trade lines for mortgages – do it yourself or authorized user tips (00:06:05)
- The impact of credit card balances and limits (00:06:43)
- Using business credit and moving car loans off personal credit (00:09:02)
- Student loans, forbearance, and default solutions (00:08:23)

**Listen now to take the guesswork out of raising your credit score!**

**#CreditScore #HomeBuying #FinancialTips #JoseRodrigues #CreditRepair #MortgageTips #CreditUtilization #BusinessCredit #CreditCardDebt #PersonalFinance #BlackOutPodcast**

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Jump in, get the insights, and start building a credit profile that unlocks doors—literally.

Subscribe for more smart money advice each week!

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In this clip from Market Mondays, Rashad Bilal and Ian Dunlap dive deep into the dramatic developments surrounding OpenAI. They tackle the recent lawsuit against the company, growing questions about leadership, and the fierce competition from major players like Google’s Gemini, Anthropic, and Meta. Rashad Bilal highlights the risks developers face with proprietary information uploaded to OpenAI, pointing out unsettling claims that some product outputs mirror confidential data. He discusses how Elon Musk's ongoing legal battle with OpenAI underscores wider issues, including shifting sentiment towards CEO Sam Altman and Microsoft’s strategic maneuvers—like moving Azure clients to other large language models. Ian Dunlap digs into OpenAI’s financial challenges. Even with an impressive $20 billion in revenue, their high spending has kept them unprofitable, prompting the unexpected introduction of ads on ChatGPT. Ian explains how competitors, like Google’s Gemini, are leveraging OpenAI’s struggles to strengthen their own platforms by pledging never to run ads. The conversation uncovers how OpenAI’s support network—from Microsoft, Oracle, and Nvidia to SoftBank and Broadcom—remains strong, but not unshakeable. Both Rashad and Ian emphasize that erratic leadership and mounting negative press could erode investor confidence and accelerate an exodus to rival platforms, especially as Anthropic nears a public offering and gains customers like Microsoft. The hosts also touch on concerning rumors emanating from San Francisco about the origins of OpenAI and the transition from nonprofit to for-profit status. They suggest leaders need composure and credibility to succeed at the helm of a company driving the future of artificial intelligence. Join Market Mondays as Rashad Bilal and Ian Dunlap break down the high-stakes battle for AI supremacy, exploring OpenAI’s opportunities and challenges—and what this means for the future of tech. *Don’t forget to like & subscribe for more insights on business, investing, and tech!* #OpenAI #MarketMondays #ArtificialIntelligence #TechNews #SamAltman #Microsoft #Anthropic #Gemini #ElonMusk #Nvidia #IanDunlap #RashadBilal #AIWars #BusinessInsights

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