 Dear Reader, If you operate a standard checking or savings account, your money could be moved onto a new government-controlled network called FedNow. The Fed is calling it a "speed upgrade" for the banking system. They are telling banks … "Join our new FedNow network and your customers will be able to send and receive money in seconds. Any time. Any day. Holidays included." No wonder over 1,500 banks and credit unions have already signed on. But here's what nobody's talking about … For the first time in history, every single transaction moving through the US banking system will pass through one centralized "Fed-controlled" hub … Silently tracking every purchase, transfer, bill payment and donation you make. Currently, $2 TRILLION worth of transactions go through the traditional network every single day. But soon, it will be funneled through the new network that the Federal Reserve has built, operates and can see in real time. That's the part buried in the Federal Reserve Docket No. OP-1670. In fact, on page 84 of the 93-page document, they admit that it will make it easier to track the spending of Americans. That's why I've put together 4 steps to "Fed proof" your savings before FedNow grants them complete control over your savings. Discover the 4 simple steps here. Good luck and God bless! 
Martin D. Weiss, PhD
Weiss Ratings Founder P.S. I've been watching government moves into personal finance for over 50 years. Cyprus savers didn't see it coming in 2013. Canadian truckers didn't see it coming in 2022. Don't let FedNow catch you off guard. See the 4 "Fed proof" steps before it's too late.
Saturday's Featured Story Uber and Joby Aviation Team Up: Game Changer or Hype?Submitted by Jordan Chussler. Posted: 3/4/2026. 
Key Points- Joby is not expected to reach profitability until 2029 to 2031 as it invests heavily in scaling manufacturing and obtaining FAA certification.
- Last month, the company announced a strategic partnership with Uber that will allow users to reserve eVTOL rideshares through the latter company’s app.
- Despite a surprising revenue beat in Q4, Joby has an annual cash burn rate of approximately $500 million.
- Special Report: The Biggest IPO Ever: Claim Your Stake Today (From Brownstone Research)
An estimated 110 million Americans are stuck in rush hour traffic every day, with drivers in highly congested cities losing as much as 100 hours per year to traffic jams. That problem does not appear to be improving. Traffic congestion is rising in 70 of the 100 largest U.S. cities. But if U.S. Federal Aviation Administration (FAA) approval goes Joby Aviation's way, help could be on the horizon. Elon did the seemingly impossible – far faster than anyone expected… And it's sent the tech industry into PANIC MODE. ChatGPT, Claude, Google Gemini, and DeepSeek could soon become obsolete. And three little-known firms could soar 10X or higher as a result. Get the details here. The aerospace company is developing electric vertical takeoff and landing (eVTOL) aircraft intended for urban air mobility. Joby's core mission is to provide zero-emission aerial rideshare services that combine the speed of helicopters with the cost efficiency and environmental advantages of electric propulsion. If that sounds a lot like the aviation version of what Uber Technologies (NYSE: UBER) offers, that's because it is. That alignment helped drive the companies to announce a strategic partnership last month. According to a press release, Uber Air will be powered by Joby, "giving riders a first look at how they'll be able to book Joby Aviation all-electric air taxis directly in the Uber app." The announcement coincided with Joby's release of full-year and Q4 2025 results. After gaining nearly 52% over the past year, here's what investors should know about the company as it transitions out of its pre-revenue stage. Q4 Earnings and Revenue Beats Stress the Need for PatienceWhen Joby reported on Feb. 25, it beat expectations on both the top and bottom lines. Earnings per share (EPS) were -$0.14, ahead of analyst estimates of -$0.20, while revenue of $30.84 million easily topped forecasts of $16.88 million. That said, Joby's trailing EPS stands at -$1.14, and full-year EPS is expected to worsen slightly next year—from -$0.69 to -$0.70 per share. The Q4 revenue beat was largely driven by Joby's acquisition of Blade Air Mobility's passenger business, which produced year-over-year revenue growth of roughly 5,507%. According to the company, "the acquisition provides Blade's established network of terminals and loyal flyers in key markets like New York and in Southern Europe, positioning Joby for a faster entry into commercial service with its quiet [eVTOL] aircraft once certified." The operative phrase remains "once certified." Joby has not yet begun commercial eVTOL operations and continues to navigate FAA approval procedures. Joby's Profitability Timeline Is ConcerningJoby is currently in the fourth of five stages in the FAA Type Certification process for its eVTOL aircraft and is targeting a commercial launch sometime in 2026, pending FAA confirmation. Key near-term milestones include Part 141 flight academy approval, Part 145 maintenance certification, and testing of FAA-conforming components. Because of the investments required to scale manufacturing and secure certification, Joby does not expect to reach profitability until between 2029 and 2031 and is burning roughly $500 million per year. In his earnings call comments, founder and CEO JoeBen Bevirt said the company is "seeing unprecedented demand" for its forthcoming eVTOL services from governments, real estate developers, and infrastructure partners worldwide. Bevirt added that Joby plans "to carry our first passengers this year in the UAE as part of our six-year exclusive access to the Dubai market, and here in the U.S., we expect the government's eIPP program to provide us with the opportunity to demonstrate our service in several locations also this year." While the long path to profitability may deter some investors, Joby is expanding production capacity and strengthening its balance sheet. On Jan. 7, the company announced an agreement to acquire a second 700,000-square-foot manufacturing facility in Dayton, Ohio, for $61.5 million to increase eVTOL production. The facility will support Joby's 2027 production goals, including manufacturing four eVTOL aircraft per month. Buyer Beware: Analysts Have Mixed Takes on Joby's FutureAmong nine analysts covering JOBY stock, the consensus is a Reduce rating, with only two analysts assigning a Buy. Yet the average 12-month price target of $13.81 still implies more than 34% upside from current levels. Institutional ownership remains below 53%. Net inflows of $1.31 billion over the past 12 months have outpaced outflows of about $722 million, though institutional buying slowed dramatically after peaking in Q4 2024—falling from $1.03 billion to just $273 million in Q4 2025. Current short interest stands at 12.77%, representing nearly 79 million shares of the more than 911 million shares outstanding and valued at about $779 million. That dollar amount is down from the record $1.06 billion in shorted shares recorded in October 2025, but the level of short interest still warrants ongoing monitoring.
| 
No comments:
Post a Comment