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Trump’s Iran deal head fake

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Trump touts Iran breakthrough but details remain unclear NPR · NPR Staff The president tells advisors “not to rush into a deal” a day after saying one had “largely been negotiated.” 

Green card changes could force hundreds of thousands to leave the U.S. TIME · Rebecca Schneid The move would dramatically complicate the permanent residency process and has sparked a backlash from immigration advocates. 

The hidden costs of withholding feedback bigthink.com · Danny Kenny Feedback only feels high-stakes when you’ve been saving it up. 

The most environmentally damaging things you can do online, ranked sciencefocus.com · Ian Taylor Before blaming chatbots for everything, here’s what really dominates your online carbon footprint. 

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This factor may determine whether you ever build wealth CBS News · Aimee Picchi Your chances of acquiring a home may depend partly on something beyond your control: your parents’ checkbook. 

America’s stunning natural icons in pictures National Geographic · National Geographic Staff Keystone species and diverse ecosystems that shape our future, as photographed by National Geographic. 

Cannes Film Festival’s Palme d’Or goes to ‘Fjord’ hollywoodreporter.com · Scott Roxborough A gripping film about Romanian religious parents who relocate to a small Norwegian village and find themselves accused of child abuse takes top prize. 

13 albums out this week you should listen to now Pitchfork · Hattie Lindert, Jazz Monroe A rundown of significant new releases, including albums from Bladee, Fakemink, and Eli. 

Summer’s starting and these Memorial Day recipes are here to celebrate Delish · Camille Lowder, Colton Trowbridge Don’t be that person who just brings a stack of cups to the picnic. From hot dogs to chicken skewers, these fun spins will wow the crowd. 

Joey Votto’s post-retirement life: Sushi chef, yoga instructor, world traveler The New York Times · Jayson Stark “I’ve been having conversations with baseball players for many years now, but I’ve never had one quite like this.” 

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The SpaceX IPO makes me FURIOUS

The SpaceX IPO makes me FURIOUS

Elon has reportedly filed to take SpaceX Public… in an IPO that’s expected to hit a $1.75 trillion valuation.

The biggest in Wall Street history…

And you know who’s going to make all the money? The banks brokering the deal. The hedge fund managers. The billionaire insiders. The same “already rich” 1%’ers.

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Top 3 Defense Stocks to Watch Now

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Gemini Space Station Inc (NASDAQ: GEMI) shares are trading lower Tuesday afternoon as traders fade last week’s post-earnings pop. Continue Reading ➔Satellite Confirms: Elon Musk Activating Strange ‘Dark Energy’ Across U.S. South – Ad

Confirmed by satellites 300 miles above the Earth’s surface… Elon Musk is rolling out a breakthrough technology that could replace our need for foreign oil and ignite a $10 trillion boom a small group of stocks. Learn how you can investAdam Schiff ‘This Is Easily The Most Corrupt Regime In US History’ Amid Reported $10 Billion IRS Deal

Adam Schiff blasts Trump after report of $1.7B fund tied to IRS lawsuit deal and Jan. 6 allies, calling it “the most corrupt regime” claim. Continue Reading ➔Spy Fears On Air Force One? Trump Team Ordered To Dump Everything Received In China

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Google’s antitrust appeal, Apple’s AI expansion, Nvidia’s dividend hike and smartphone market shifts led this week’s tech headlines. Continue Reading ➔Pi Network Price Eyes All-Time Low Despite Pivoting to AI, Smart Contracts

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AI stocks are overhyped. The data is telling us a crash is coming. And this one stat confirms it. Find out what we recommend all investors do… right away.Trump immunity from IRS audit shocks experts, who warn it could undermine trust in tax system

NEW YORK (AP) — Remember Donald Trump’s response in the 2016 presidential debate, when Hillary Clinton blasted him for paying virtually no federal taxes? Continue Reading ➔NFL taking 2030 Super Bowl to Nashville and Titans’ new enclosed stadium

NASHVILLE, Tenn. (AP) — is taking the 2030 Super Bowl to Nashville and the Tennessee Titans’ new Nissan Stadium after voted Tuesday to hold the league’s championship game in the Music City for the first time. Continue Reading ➔15X Bigger Than SpaceX: Elon’s New Launch – Ad

While the rest of the market goes crazy for “the mother of all IPOs”, a new Elon Musk innovation is quietly being rolled out nationwide. It’s been 27 years in the making, and it could have a radical impact on how millions of people manage their money… and even collect Social Security. Here’s everything you need to know.Congresswoman Ditches Magnificent Seven Stocks, Including The Year-To-Date Leader

A member of Congress disclosed selling Magnificent Seven stocks in April, including the current best performer in 2026. Continue Reading ➔Investigators looking for cause of fatal New York explosion that also wounded over 30 firefighters

Investigators were combing through a New York City shipyard on Saturday trying to find the cause of a fire and an explosion that killed one person and injured more than 30 firefighters and other first responders. Continue Reading ➔Florida biologist fired over Charlie Kirk post after his death wins $485,000 settlement

Florida officials will pay nearly half a million dollars to a biologist who was fired by a state agency for criticizing conservative activist Charlie Kirk on social media after his death. Continue Reading ➔Gavin Newsom Declares State Of Emergency In California’s Orange County As Chemical Leak At Aerospace Plant Forces 50,000 Evacuations

Governor Newsom declares emergency in Orange County after hazardous chemical leak at GKN Aerospace. Continue Reading ➔Steve Wozniak Says He Cofounded Apple After 5 Rejections From HP — Not To Get Rich, But To Hear One Word: ‘Whoa’

Wozniak’s motivation for cofounding Apple was to earn the admiration of fellow engineers, not to build a tech empire. Continue Reading ➔This Week In Tesla: Musk’s AI Revolution, SpaceX Merger, Robotaxi Crashes And More

Elon Musk and Tesla had a busy week with talks of AI revolution, SpaceX IPO, FSD launch in China, Tesla Cybertruck incident and more. Continue Reading ➔

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“Progress measured in inches is still progress. The destination doesn’t change based on the size of your stride.”

There is so much cultural pressure to make bold moves, take giant leaps, and show dramatic transformation. But most meaningful change happens in small, consistent acts that rarely feel significant in the moment. If today all you managed was one small thing — one kind word, one honest conversation, one quiet step forward — that is real. It counts. Keep building, one small step at a time.MORE INSPIRATION 

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Go forth and be blessed!GET BLESSINGS 🕊️

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How to Profit From the Coming Oil Shock Before…

How to Profit From the Coming Oil Shock Before Wall Street Does

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Michael’s Note: Oil markets are becoming increasingly volatile again as geopolitical tensions, supply concerns, and global uncertainty continue to build. Today, I’m handing the reins to 40-year veteran trader, Jonathan Rose, who explains the two specific market signals he watches during periods of energy stress – and why he believes they may already be pointing toward another major opportunity in oil and refinery stocks. 

Jonathan has spent decades trading volatile markets, from the futures pits in Chicago to the options floor at the CBOE. Now he’s teaming up with Wall Street veteran Marc Chaikinfor a special event on May 28 at 8 p.m. Eastern to discuss their new “Convergence” system designed to track institutional money flow and volatility together. You can reserve your free seat right here.

BY JONATHAN ROSE, FOUNDER, MASTERS IN TRADING

In October 1973, the world learned just how fragile the global oil order really was.

A coalition of Arab states attacked Israel on Yom Kippur. The U.S. responded by sending aid. And within days, OPEC issued an oil embargo against the United States.

The result was immediate and brutal. Oil went from $2.90 a barrel to $11.65 in three months. At the pump, Americans watched prices jump 36% practically overnight. Drivers sat in gas lines for hours, and some stations ran dry before noon. Rationing kicked in.

Credit: JudiLen

Americans watched gas prices explode almost overnight while Washington imposed a national speed limit of 55 miles per hour and urged citizens to conserve fuel as a patriotic duty.

The shock eventually eased. But before the decade was out, the Iranian Revolution triggered a second supply disruption that sent prices even higher. By 1981, oil had hit $35 a barrel – nearly 12 times what it cost before the OPEC embargo.

What those two crises revealed wasn’t just how much the world ran on oil. They also revealed how fast the entire system could crack when the geopolitical order shifted underneath it.

Fifty years later, it’s shifting again.

And this time, the cracks are deeper.

In this piece, I want to give you something more useful than a prediction.

I want to show you exactly how I read an oil market under stress – the two specific signals I watch, how they work together, and how they already handed us one of our best trades of the year.

If you understand these signals, you’ll never look at an oil headline the same way again. And you’ll know what to do with your money – and make a profit – before Wall Street figures it out.

Recommended Link

Major Oil Shock to Hit America

Oil prices are about to cause a ripple effect in one of the oldest, most stable markets in America. If you own any of these 5 stocks, you could lose everything. Full story here. 

This Could Be Bigger Than 1973

Earlier this year, the U.S. entered a conflict with Iran that put a lockdown on the Strait of Hormuz – the narrow waterway through which roughly 20% of the world’s oil supply passes every single day.

When it’s under pressure, we all feel it.

Oil responded immediately. West Texas Intermediate crude ran from $66 a barrel to over $100. Brent crude – the global benchmark – climbed from $71 to $119. In three months, crude prices nearly doubled.

But the bigger story wasn’t the price move. It was what happened inside OPEC.

After nearly 60 years, the United Arab Emirates announced it was leaving the cartel.

This is not a minor development.

The UAE is one of the world’s top five oil producers. Its exit isn’t a diplomatic footnote – it’s a fracture in the architecture that has governed global oil supply since 1960.

The timing made it worse. The announcement came right before a scheduled OPEC meeting, in the middle of an active regional conflict, with the Strait of Hormuz already under pressure.

In 1973, the crisis came from outside OPEC – Arab states using oil as a weapon against the West. What we’re watching now is that alliance coming apart. That instability may end up being deeper and harder to reverse than in 1973.

The question isn’t whether energy market volatility will stay elevated. It will.

The question is how to position yourself to profit from the volatility that is becoming a long-term feature of the energy markets.

That starts with understanding two signals.

The Two Signals I Watch When Oil Gets Volatile

I’ve been trading energy markets for nearly 30 years – from the futures pits in Chicago to the options floor at the CBOE. And in all that time, I’ve found that the most reliable way to profit from oil volatility isn’t to predict where prices are going. It’s to read what the market is already telling you.

Two signals do most of that work. These aren’t predictions. They’re instruments that help the pros profit.

The first is the crack spread.That’s basically the profit margin for oil refiners. Think of it like owning a bakery. Your input cost is flour – that’s crude oil. Your output is bread – that’s gasoline and diesel. The spread is the difference between what you paid for the ingredients and what you sold the finished product for. That difference is your profit margin.

When the crack spread expands – meaning refiners are making more money per barrel they process – refiner stocks tend to follow. When it compresses, they struggle.

Source: https://rbnenergy.com/market-data/3-2-1-crack-spread

Right now, the crack spread is expanding. Refiners bought crude weeks ago at lower prices. They’re selling gasoline and diesel today at prices implied by $106 crude. That gap – old crude, new prices – is pure margin. And it’s showing up directly in refiner earnings.

That’s Signal 1.

The second signal is backwardation in the futures. This one sounds technical. It isn’t. Here’s all you need to know.

When the oil futures curve is in backwardation, it means near-term contracts are trading above longer-dated ones. In plain English, buyers are paying a premium to get oil now rather than later. That tells you immediately that the market believes supply is too tight to absorb a shock.

That’s exactly what the WTI futures is showing us today. Front-month contracts have surged as refiners, hedgers, and institutions pay up for prompt delivery. Contracts further out into late 2026 flatten considerably.

Source: https://www.cmegroup.com/markets/energy/crude-oil/light-sweet-crude.settlements.html

In short, the market sees near-term supply strain but expects conditions to ease over time.

That distinction matters because it tells us where capital is flowing right now – into assets tied to near-term scarcity and pricing power. Refiners. Select producers. Names with direct exposure to U.S. domestic supply chains.

When the crack spread is expanding and the futures curve is in backwardation at the same time, the market is sending a clear two-part message: Refiners are making serious money right now, and institutional energy traders are paying a premium to secure supply immediately.

That combination – margin expansion plus supply urgency – is historically when refiner stocks and energy names make their biggest moves to the upside.

It’s the setup for a bullish trade on oil and refiner stocks.

Here’s how that trade looked in practice earlier this year.

The Trade That Proves the Signals Work

Back in April, both signals fired at the same time.

The crack spread was expanding. The WTI futures curve was moving into backwardation. And one name kept showing up on my radar: CVR Energy Inc. (CVI). It’s a midsized independent refiner with direct exposure to exactly the kind of margin environment the signals were pointing to.

On April 20, I got my members into a bullish position on CVR at the beginning of the month. The setup was clean. The signals were clear. The risk was defined.

In just a single week, we locked in an 80% return on the lagging refiner.

That’s not luck. That’s what happens when you stop trying to predict where oil is going and start reading what the market is already telling you. The crack spread said refiners were making serious money. Backwardation said supply was too tight to absorb a shock. CVR was the most direct way to express that opinion with defined risk.

Catalyst. Signal. Trade. That’s the whole model.

And right now, both signals are firing again.

The crack spread is expanding faster than it has in months. The WTI futures curve is deep in backwardation. The UAE’s exit from OPEC has added a layer of structural uncertainty that isn’t going away quickly. And the Strait of Hormuz remains under pressure.

The setup that handed us CVR is back. The names that benefit most from this environment are the same ones I’ve been watching since the conflict began – refiners, select producers, and companies with direct exposure to U.S. domestic supply chains.

The question now isn’t whether the opportunity is there. It’s whether you have the tools to find it before Wall Street does.

What I’m Doing About It – and How You Can Benefit, Too

Here’s something I tell my members all the time: Know what you’re good at… and know where you need help.

I’m good at reading volatility. Finding the setup. Identifying the signal before the crowd sees it. What’s harder – for every floor trader I’ve ever known – and for me is direction. Not whether volatility is coming. But whether the next big move breaks up or breaks down.

That’s where Marc Chaikin comes in. Marc spent decades building the quantitative tools Wall Street’s biggest institutions use to forecast market direction. He designed his Money Flow system to answer a different question than mine. I focus on where volatility is building. Marc focuses on whether institutional money flow confirms the direction.

My expertise is finding where volatility creates opportunity.

Marc’s expertise is in knowing which way it breaks.

Together, we’ve built something that combines both. We’re calling it The Convergence, and on May 28 at 8 p.m. ET, we’re going live with it for the first time. You can reserve a seat for that free event right now.

The global oil order is cracking. The two signals I’ve shown you today are already firing simultaneously. And the window to position before Wall Street catches up is, as always, shorter than it looks.

This event is free. And it’s the first time we’re combining these two systems in front of an audience.

Reserve your spot right here.Don’t miss it.

The creative trader always wins,

Jonathan Rose
Founder, Masters in Trading

P.S. Jonathan makes an important point in today’s piece: Major market moves often begin long before the headlines fully explain them. That’s a big part of what he and Marc Chaikin plan to discuss during their free Convergence Summit event on May 28. They’ll explain how they combine volatility analysis with institutional money-flow signals to spot potential opportunities early. If you haven’t already reserved your seat, you can do that right here.

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What Is the Feast of Pentecost in the Bible?

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Daniel 4:17 – God’s Rule and Judgment: Establishing His…

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Daniel 4:17

(17) This matter is by the decree of the watchers, and the demand by the word of the holy ones: to the intent that the living may know that the most High ruleth in the kingdom of men, and giveth it to whomsoever he will, and setteth up over it the basest of men. 
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God will give the Kingdom to the lowest of men and women. Similarly, Paul writes in I Corinthians 1:26, “For you see your calling, brethren, that not many wise according to the flesh, not many mighty, not many noble, are called.” The lesson is to know that God rules, which has been the issue from the very beginning.

Adam and Eve did not act as though they knew that God rules; they acted as though Satan or they ruled. They rejected the rule of God, and from that time on, God has concentrated on this very fact. Mankind will learn that God rules, and in order to do that, God is going to have to judge, to issue decrees, and to hand down sentences.

His sentences are going to be very stiff indeed, because Scripture shows that the Great Tribulation and the Day of the Lord will reduce the population of the earth to about 10% of all of mankind. The carnage that will result from God’s judgments being handed out, so that mankind will know that God rules, will be bloody to an extreme. An awful lot of pain will result from the execution of this sentence. God judges, and it will begin at the fulfillment of the Feast of Trumpets.

To most people on earth—if God even exists in their thoughts—He is, at best, a rather remote personality who acted a long time ago but seems to have grown disinterested, as nothing has happened for quite a long time. However, the Bible shows Him to be a hands-on ruler. He is overseeing planet earth, and He is doing it for the purpose of fulfilling His purpose of establishing His Kingdom.

— John W. Ritenbaugh

To learn more, see:
Fall Feast Lessons

Topics:

Day of the Lord

Feast of Trumpets

God’s Judgment

God’s Maintenance

God’s Sovereignty

Great Tribulation, The

Not Many Wise Called

Rule of God

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Don’t Make These 4 IRA Mistakes

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Don’t Make These 4 IRA Mistakes

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05/24/2026

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Every day, retirement account owners and beneficiaries trigger unnecessary taxes and penalties through mistakes, oversights and missed opportunities. 

And while IRAs, 401(k)s and other retirement accounts are among the most valuable assets most people own… 

They’re also are among the most complicated and misunderstood. 

The mistakes and oversights can occur at every stage of IRA ownership, and it doesn’t take much of an oversight to deplete your retirement nest egg through avoidable taxes, penalties and interest. 

Here’s a look at some of the most common ones you won’t want to make. 

Beneficiary Form Disasters

I put this first, because I continue to see court cases, IRS rulings and other evidence that the mistake occurs frequently. 

The beneficiary designation form almost always controls who inherits an IRA or other retirement account. Your will or living trust rarely controls what happens with your retirement accounts. 

There are many instances of retirement accounts being inherited by ex-spouses, the estates of deceased people and other unintended beneficiaries. 

This happens because someone made the beneficiary designation years ago and never updated it. 

Review and reconsider IRA and other retirement account beneficiary designations after each major life change in your family and every time your estate plan is reviewed. 

Rollover Blunders

Rollovers are among the most common IRA transactions (there are dozens of types of retirement plan rollovers in the tax code), yet also are prone to costly mistakes. 

Many people still don’t realize the IRS changed the rules a few years ago so that for IRAs only one “60-day rollover” is allowed every 12 months for each taxpayer. 

Attempt more than one 60-day rollover and all but the first will be taxable distributions. The 60-day rollover is when the IRA custodian distributes a check or assets directly to you. 

If you deposit the same amount in that IRA, another IRA or another qualified account within 60 days, it is a tax-free rollover. 

But if you fail to deposit the same amount in a qualified account, even if you miss the 60-day deadline only by a day or two, you have a taxable distribution. 

An individual can do this only once every 12 months, but many people still attempt multiple rollovers within 12 months. 

As a result, they incur income taxes, plus the 10% early distribution penalty when they are under age 59½. 

Another mistake is not realizing that when the 60-day rollover is attempted, the IRA custodian is required to withhold 20% of the distribution for income taxes. 

Yet, for the rollover to be tax free, you must roll over the gross distribution before subtracting the tax withholding. 

You must come up with that 20% from another source and include it in the rollover. Otherwise, you include in gross income the amount you failed to roll over within 60 days. 

The best advice for a taxpayer planning any type of rollover is to have the assets transferred from one plan administrator or custodian to another. 

Don’t take possession of the money or assets yourself. 

Even in such a custodian-to-custodian rollover, one of the custodians might make a mistake, such as depositing the money in a regular account instead of an IRA. 

You need to monitor the paperwork carefully and have any errors promptly corrected. 

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Beneficiaries who inherit IRAs and other qualified plans often lose a lot of money learning the rules the hard way. 

There are different rules for a beneficiary who is the surviving spouse of the deceased owner and non-spouse beneficiaries. 

A non-spouse beneficiary shouldn’t roll over the IRA to his or her own IRA or have the IRA changed to his or her name. Either of those actions is treated as a full distribution of the IRA. 

The balance will be included in gross income, and there isn’t a way to reverse it. 

Instead, the inherited IRA needs to be segregated from other IRAs and re-titled with a name that includes the original owner’s name, that he or she is deceased, and that the IRA is for the benefit of the beneficiary. 

No contributions can be made to an inherited IRA. It also can’t be rolled over to another IRA or converted to a Roth IRA if it is a traditional IRA. 

Most non-spouse beneficiaries must distribute the entire IRA within 10 years after inheriting it. 

This applies to both traditional and Roth IRAs. 

Beneficiaries who aren’t subject to the 10-year rule must begin annual required minimum distributions (RMDs) beginning by December of the year after the year in which the owner died. 

They need to learn their options, choose an RMD method and begin distributions on time. 

Surviving Spouse Beneficiary

The 10-year distribution rule doesn’t apply when a surviving spouse inherits an IRA. 

Instead, the surviving spouse has several options. 

One option is to treat the IRA as a non-spouse inherited IRA and elect to take annual RMDs using one of two methods. 

The methods depend on whether the deceased owner was taking RMDs before his or her death. The other option is to do a spousal rollover, also known as a “fresh start” IRA. 

In a spousal rollover, the inherited IRA is rolled over into either a new IRA or an existing IRA in the surviving spouse’s name. 

In either case, the surviving spouse treats it as his or her own IRA without reference to the deceased owner. 

The surviving spouse names new beneficiaries and takes RMDs on his or her own schedule. If the surviving spouse isn’t at least age 72 yet, RMDs aren’t taken until after he or she reaches that age. 

Most surviving spouses should do the spousal rollover. 

An exception is when the surviving spouse is under age 59½. Then, the surviving spouse should choose one of the non-spouse options. 

The reason: When distributions are taken from a non-spousal inherited IRA, the 10% penalty for distributions taken before age 59½ doesn’t apply, no matter how young the beneficiary is. 

But when the spousal rollover is used and the IRA is treated as the surviving spouse’s own IRA, the 10% penalty can apply to distributions taken before age 59½. 

After the surviving spouse turns age 59½, the spousal rollover can be executed. 

There’s no time limit to when the spousal rollover can be made. 

In next week’s issue of Retirement Watch Weekly, I’ll share more common but costly mistakes to avoid.To a better retirement,

Bob Carlson
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Want More Retirement Advice?

Check out my website, RetirementWatch.com, where you’ll find hundreds of free articles covering every aspect of retirement planning.

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New to the Retirement Watch Community: SeniorResource.com

Due to policy changes in Washington, we’re seeing a wave of changes that could significantly impact the 67.7 million Americans currently on Medicare. As policymakers debate the future, the upcoming changes in Medicare are poised to reshape how seniors access and pay for their healthcare. Here’s what every American needs to know.

About Bob Carlson:

Robert C. Carlson is the author of the books The New Rules of Retirementand Retirement Tax Guide, editor and investment director of the popular retirement newsletter, Retirement Watch, and editor of the free weekly e-letter, Retirement Watch Weekly.  Bob is a frequent speaker at investment conferences around the country, and you can also hear Bob as a featured guest on nationally-syndicated radio shows, such as The Retirement Hour, Dateline Washington, Family News in Focus, The Michael Reagan Show, Money Matters and The Stock Doctor.

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