Rob Black Show

Stocks fell sharply Thursday after the latest U.S. economic data showed a sharp slowdown in growth and pointed to Persistent Inflation, Meta shares tumbled 14 percent after the company issued Weak Revenue Guidance that overshadowed its first quarter earnings beat, Mr Mortgage Man Scott W Thompson and More on the Wealth Preservation and Retirement Planning seminar with CFP Chad Burton Thursday May 9th 6:30pm at the Palo Alto Elks Lodge

Post Earnings Surge in Tesla helped lift the technology heavy index Higher for a third straight session, Briefing.com Strategist Patrick O'Hare Talks About the Markets, More on the Wealth Preservation and Retirement Planning seminar with CFP Chad Burton Thursday May 9th 6:30pm at the Palo Alto Elks Lodge

Spotify surged more than 15 percent after Surpassing Estimates and issuing Rosy second quarter guidance, Tesla is slated to report Earnings after the Bell followed by Meta Platforms on Wednesday, More on the Wealth Preservation and Retirement Planning seminar with CFP Chad Burton Thursday May 9th 6:30pm at the Palo Alto Elks Lodge

Both the S and P 500 and Nasdaq are riding 6 day losing streaks and fell 3.1 percent and 5.5 percent respectively last week, People on Weight Loss Drugs are spending less on restaurants, More on the Wealth Preservation and Retirement Planning seminar with CFP Chad Burton Thursday May 9th 6:30pm at the Palo Alto Elks Lodge

Netflix conference call Highlights, Acronyms explained like ALICE, More on the Wealth Preservation and Retirement Planning seminar with CFP Chad Burton Thursday May 9th 6:30pm at the Palo Alto Elks Lodge

The S and P 500 edged Higher on pace to snap a 3 Day Losing Streak, Mr Mortgage Man Scott W Thompson on how The Hidden Costs of Homeownership Are Skyrocketing, More on the Wealth Preservation and Retirement Planning seminar with CFP Chad Burton Thursday May 9th 6:30pm at the Palo Alto Elks Lodge

Real Estate VS Stock Market, Briefing.com Strategist Patrick O'Hare Talks About the Markets, More on the Wealth Preservation and Retirement Planning seminar with CFP Chad Burton Thursday May 9th 6:30pm at the Palo Alto Elks Lodge

The S and P 500 just marked its worst two day decline since March 10, 2023, but the market benchmark is just 3.7 percent off its Highest Close on record, There are worries that the Federal Reserve will have to Maintain High Interest Rates to keep inflation under control, More on the Wealth Preservation and Retirement Planning seminar with CFP Chad Burton Thursday May 9th 6:30pm at the Palo Alto Elks Lodge

Stocks rose following strong Goldman Sachs earnings as well as Hot Retail Data and hopes that the conflict in the Middle East won’t further escalate, Tesla to lay off more than 10 percent of its Staff, More on the Wealth Preservation and Retirement Planning seminar with CFP Chad Burton Thursday May 9th 6:30pm at the Palo Alto Elks Lodge

The Pros and Cons of Bear Markets, Why Jamie Dimon is in the News Today, More on the Wealth Preservation and Retirement Planning seminar with CFP Chad Burton Thursday May 9th 6:30pm at the Palo Alto Elks Lodge

Stocks turned lower after Initial Optimism over the release of Producer Price Index data proved fleeting, Broadway’s The Heart of Rock and Roll features music from Huey Lewis’ catalog as they premier 14 productions in April, Mr Mortgage Man Scott W Thompson with the latest Home Buying News and More on the Wealth Preservation and Retirement Planning seminar with CFP Chad Burton Thursday May 9th 6:30pm at the Palo Alto Elks Lodge

Stocks opened sharply lower after a Key Inflation Report showed an unexpected uptick in Consumer Prices last month, Teens Are Spending Less This Year as 65 percent think conditions are Getting Worse, Costco selling as much as 200 million dollars in Gold Bars monthly and More on the Wealth Preservation and Retirement Planning seminar with CFP Chad Burton Thursday May 9th 6:30pm at the Palo Alto Elks Lodge

Investors have become Increasingly Less Convinced the Federal Reserve will deliver on the three rate cuts, TikTok’s Instagram competitor for sharing photos is likely to be named TikTok Notes, Disney’s parks including cruises are its Top Money Maker

A strong jobs report helped lift stocks on Friday, Jamie Dimon the CEO of JPMorgan Chase says AI may be as impactful on humanity as Printing Press, Coffee Bean Prices have soared 68 percent in the past year hitting Record Highs

Nvidia Hopes and Fears, What is the Lipstick Index, Levi's and the Pants Industry, Meet Mr Mortgage Man Scott W Thompson and hear about the latest Home Buying News

The market is shaking off stocks' Rough Start to the second quarter after Chair Jerome Powell soothed concerns the Federal Reserve would lose its nerve for making Rate Cuts, Tesla is going through a mini crisis and its CEO Elon Musk seems detached, ESPN's standalone streaming service coming to DisneyPlus in 2025

Stocks rose as Wall Street attempts to move past the Downward Momentum felt at the start of the second quarter, Taylor Swift joins world's richest on Billionaire List, Briefing.com Strategist Patrick O'Hare Talks About the Markets

Traders lowered expectations that the Federal Reserve would cut interest rates in June, Gen Z is losing interest in While Collar Jobs, Barry Cinnamon the host of The Energy Show discusses the future of the Solar Industry

Wall Street kicked off the Second Quarter following a Strong Start to the year, Gold prices hit another Record High, Gmail launched 20 years ago and now has an estimated 1.8 billion users

Financial Trends to be Aware Of, Financial Pitfalls to Avoid, CFP and CPCC Stephanie Richman of EP Wealth on Retirement Roadblocks

The S and P 500 set its latest record close of the year on Wednesday with markets closed for the Good Friday holiday, Visa and Mastercard settle long running Antitrust Suit over swipe fees with merchants, Fast Food Workers Are Getting a Raise in California

S and P 500 tries to snap 3-day slide, Egg prices are hopping again this Easter, Too early to judge economic ramifications of Port of Baltimore Closure but businesses are starting workarounds since the Port alone contributes 15 million dollars in daily economic activity

Durable goods orders Rebounded during the month of February, On Friday the government will release the Personal Consumption Expenditures Price Index, Trump Media stock jumps as much as 50 percent though Truth Social has fewer than 15 million users and is hemorrhaging cash

Stocks were Slightly Lower to start a Shortened Trading Week as the rally that brought Wall Street to record levels took a Breather, United Airlines stock fell 6 percent after the Federal Aviation Administration said it would be Heightening Scrutiny of the airline after a series of safety incidents, The number of Millionaires in the US has grown 35 percent since 2018

Reactions to Mixed Earnings, The Importance of Watching FedEx, CFP and CPCC Stephanie Richman of EP Wealth on What You Need to Know About Crafting Your Retirement, More on Rob's two hour seminar with Stephanie Richman Saturday March 23rd 10am to Noon at Don Tatzin Community Hall at Lafayette Library

Stocks climbed and Technology Shares outperformed, Elon Musk’s brain implant company Neuralink posted a video on X of its First Human User, More on CFP and CPCC Stephanie Richman of EP Wealth and Rob's two hour seminar Saturday March 23rd 10am to Noon at Don Tatzin Community Hall at Lafayette Library

Companies using Cloud Storage, Briefing.com Strategist Patrick O'Hare Talks About the Markets, More on Rob's two hour seminar with Stephanie Richman Saturday March 23rd 10am to Noon at Don Tatzin Community Hall at Lafayette Library

Bitcoin slumps as traders started Taking Profits after it had soared roughly 70 percent from the start of the year, CFP and CPCC Stephanie Richman of EP Wealth on What You Need to Know About Crafting Your Retirement, More on Rob's two hour seminar with Stephanie Richman Saturday March 23rd 10am to Noon at Don Tatzin Community Hall at Lafayette Library

Stocks rose led by gains in Nvidia, Homebuilder Sentiment turns positive for the first time since July, More on Rob's two hour seminar with CPCC Stephanie Richman of EP Wealth Saturday March 23rd 10am to Noon at Don Tatzin Community Hall at Lafayette Library

CFP and CPCC Stephanie Richman of EP Wealth on Retirement Roadblocks, What You Need to Know About Crafting Your Retirement, More on Rob's two hour seminar with Stephanie Richman Saturday March 23rd 10am to Noon at Don Tatzin Community Hall at Lafayette Library

S and P 500 slid below the flatline, CFP and CPCC Stephanie Richman of EP Wealth on Retirement Readiness, More on Rob's two hour seminar with Stephanie Richman Saturday March 23rd 10am to Noon at Don Tatzin Community Hall at Lafayette Library

House passes bill that could lead to a TikTok ban, Briefing.com Strategist Patrick O'Hare Talks About the Markets, More on Rob's two hour seminar with CFP Stephanie Richman Saturday March 23rd 10am to Noon at Don Tatzin Community Hall at Lafayette Library

Technology stocks Spurred Higher after a couple of down days on Friday and Monday, CFP and CPCC Stephanie Richman of EP Wealth on Retirement Roadblocks, More on Rob's two hour seminar with Stephanie Richman Saturday March 23rd 10am to Noon at Don Tatzin Community Hall at Lafayette Library

CFP and CPCC Stephanie Richman of EP Wealth on Retirement Roadblocks, Briefing.com Strategist Patrick O'Hare Talks About the Markets, More on Rob's two hour seminar with Stephanie Richman Saturday March 23rd 10am to Noon at Don Tatzin Community Hall at Lafayette Library

What to focus on with Your Financial Planning, EP Wealth CFP Chad Burton discusses Retirement Readiness, More on Rob's two hour seminar with CFP Stephanie Richman Saturday March 23rd 10am to Noon at Don Tatzin Community Hall at Lafayette Library

Investor Optimism was boosted after the European Central Bank lowered forecasts for Annual Inflation, Adam Sandler Was Highest Paid Actor of 2023, CFP and CPCC Stephanie Richman of EP Wealth on her two hour seminar with Rob on Saturday March 23rd 10am to Noon at Don Tatzin Community Hall at Lafayette Library

Stocks rose Wednesday aided by Recovering Technology Names after back to back losing sessions on Wall Street, Briefing.com Strategist Patrick O'Hare Talks About the Markets, More on Rob's two hour seminar with CFP Stephanie Richman Saturday March 23rd 10am to Noon at Don Tatzin Community Hall at Lafayette Library

Technology Sector Struggled as Apple slipped more than 3 percent after research shows iPhone sales plunged in China in the first six weeks of 2024, Regulators have Capped Credit Card Late Fees, CFP and CPCC Stephanie Richman of EP Wealth on her two hour seminar with Rob on Saturday March 23rd 10am to Noon at Don Tatzin Community Hall at Lafayette Library

Investors prepare for a week where Federal Reserve Chair Jerome Powell's testimony and the monthly jobs report could put Equity Gains to the test, Dune Part 2 delivers the biggest opening weekend of 2024, CFP and CPCC Stephanie Richman of EP Wealth on her two hour seminar with Rob on Saturday March 23rd 10am to Noon at Don Tatzin Community Hall at Lafayette Library

What to focus on with your Financial Planning, EP Wealth CFP Chad Burton discusses Retirement Readiness, More on Rob's two hour seminar with CFP Stephanie Richman Saturday March 23rd 10am to Noon at Don Tatzin Community Hall at Lafayette Library

The S and P 500 ticked higher as investors digested a Key Inflation Metric that met economist expectations along with fresh housing numbers, Taylor Swift brings Event Tourism to Singapore, More on Rob's two hour seminar with CFP Stephanie Richman Saturday March 23rd 10am to Noon at Don Tatzin Community Hall at Lafayette Library

Caution Prevailed ahead of a Crucial Inflation Report that will guide expectations for Interest Rate Cuts, Bitcoin jumps above 60 Thousand Dollars for the first time since November 2021, Briefing.com Strategist Patrick O'Hare Talks About the Current Markets, More on Rob's two hour seminar with CFP Stephanie Richman Saturday March 23rd 10am to Noon at Don Tatzin Community Hall at Lafayette Library

Investors looking ahead to Key Data slated for release later this week, Retail giant Macy’s advanced more than 5 percent after announcing it would close around 150 of its stores, More on Rob's two hour seminar with CFP Stephanie Richman Saturday March 23rd 10am to Noon at Don Tatzin Community Hall at Lafayette Library

Stocks took a breather after closing out a dizzying week at record highs, New inflation data in the coming days will test the staying power of the breakout rally that followed Nvidia's results, Theaters are relying on Dune 2 

Looking at the S and P 500, What is the Four Percent Rule, EP Wealth CFP Chad Burton discusses Retirement Readiness

Getting Ready for Retirement five years out and more, EP Wealth CFP Chad Burton discusses Retirement Readiness, More Helpful Highlights from this year so far

Market has been up in 14 out of 16 weeks, Concerns surrounding Nvidia’s high valuation have grown as Shares of the Chipmaker have soared about 230 percent over the past year, Briefing.com Strategist Patrick O'Hare Talks About the Current Markets

Shares of Home Depot dipped after it signaled Demand has Failed to pick up amid Inflation, Capital One is adding Discover to its Wallet, Car Insurance Prices Soar even as inflation eases

Plans for not working Till The Day You Die, EP Wealth CFP Chad Burton discusses Retirement Readiness, Briefing.com Strategist Patrick O'Hare Talks About the Markets

CPI Stengthens showing More Inflation and what that means, Deciding on which Stocks to Pick, EP Wealth CFP Chad Burton discusses Retirement Readiness,

Initial Unemployment Claims dropped 8,000 from the prior week's revised total to 212,000 amid ongoing Layoff Announcements, Consumers tightened their belts more than expected in January as cold weather and higher interest rates Hampered Demand, More on the 7 Steps for Retirement Readiness Seminar at Stanford Park Hotel in Menlo Park on Tonight February 15th 6:30pm to 8:30pm

EP Wealth CFP Chad Burton discusses Retirement Readiness, Chad and Rob talk about Tips on Preparing for Retirement, More on the 7 Steps for Retirement Readiness Seminar at Stanford Park Hotel in Menlo Park on Thursday February 15th 6:30pm to 8:30pm

There is a new dating app just in time for Valentine’s Day for people with Good Credit Scores, EP Wealth CFP Chad Burton discusses Retirement Readiness, More on the 7 Steps for Retirement Readiness Seminar at Stanford Park Hotel in Menlo Park on Thursday February 15th 6:30pm to 8:30p

Stocks have gained as the Market Embraces a clutch of better than expected Corporate Results, Reba McEntire's National Anthem Bet Creates Only Winners and BetMGM honored both over and under bets, More on the 7 Steps for Retirement Readiness Seminar at Stanford Park Hotel in Menlo Park on Thursday February 15th 6:30pm to 8:30pm

EP Wealth CFP Chad Burton discusses Retirement Readiness, Helpful Easy Ideas on how to Plan for Retirement, More on the 7 Steps for Retirement Readiness Seminar at Stanford Park Hotel in Menlo Park on Thursday February 15th 6:30pm to 8:30pm

S and P 500 playing with 5000, Big Game Day economics, More on the 7 Steps for Retirement Readiness Seminar at Stanford Park Hotel in Menlo Park on Thursday February 15th 6:30pm to 8:30pm

EP Wealth CFP Chad Burton discusses Retirement Readiness, Chad and Rob talk about Tips Towards Retirement, More on the 7 Steps for Retirement Readiness Seminar at Stanford Park Hotel in Menlo Park on Thursday February 15th 6:30pm to 8:30pm

TikTok’s latest Financial Trend is a big change from their usual videos modeling purchase behaviors after Celebrities, Briefing.com Strategist Patrick O'Hare Talks About the Current Markets, More on the 7 Steps for Retirement Readiness Seminar at Stanford Park Hotel in Menlo Park on Thursday February 15th 6:30pm to 8:30pm

EP Wealth CFP Chad Burton discusses Retirement Readiness, Chad and Rob discuss getting on top of your Money Matters, More on the 7 Steps for Retirement Readiness Seminar at Stanford Park Hotel in Menlo Park on Thursday February 15th 6:30pm to 8:30pm

EP Wealth CFP Chad Burton discusses Retirement Readiness, Breaking Down into Easy Ideas how to Plan for Retirement, More on the 7 Steps for Retirement Readiness Seminar at Stanford Park Hotel in Menlo Park on Thursday February 15th 6:30pm to 8:30pm

EP Wealth CFP Chad Burton discusses Retirement Readiness Ideas with Rob, Ways for Accumulating and Keeping Wealth in 2024, More on the 7 Steps for Retirement Readiness Seminar at Stanford Park Hotel in Menlo Park on Thursday February 15th 6:30pm to 8:30pm

EP Wealth CFP Chad Burton discusses Retirement Readiness Ideas with Rob, Ways for Accumulating and Keeping Wealth in 2024, More on the 7 Steps for Retirement Readiness Seminar at Stanford Park Hotel in Menlo Park on Thursday February 15th 6:30pm to 8:30pm

Sharp downward moves in Shares of Tech Giants Microsoft and Alphabet pressured the overall sector, Briefing.com Strategist Patrick O'Hare Talks About the Current Markets, More on the 7 Steps for Retirement Readiness Seminar at Stanford Park Hotel in Menlo Park on Thursday February 15th 6:30pm to 8:30pm

Stocks hovered near Record Highs as investors waited for Microsoft to lead out Big Tech results as Earnings Season roars into gear, The Magnificent Seven Tech Megacaps are expected to do much of the heavy lifting for the S and P 500 this earnings season, More on the 7 Steps for Retirement Readiness Seminar at Stanford Park Hotel in Menlo Park on Thursday February 15th 6:30pm to 8:30pm

The way Tech has changed the Markets, The latest Boeing news, More on the 7 Steps for Retirement Readiness Seminar at Stanford Park Hotel in Menlo Park on Thursday February 15th 6:30pm to 8:30pm

EP Wealth CFP Chad Burton discusses Financial Planning Ideas with Rob, Ways for Accumulating Wealth in 2024, More on the 7 Steps for Retirement Readiness Seminar at Stanford Park Hotel in Menlo Park on Thursday February 15th 6:30pm to 8:30pm

Gross Domestic Product grew at a 3.3 percent pace in the Fourth Quarter, Tesla Stock sputters and company warns of Slowdown this year, More on the 7 Steps for Retirement Readiness Seminar at Stanford Park Hotel in Menlo Park on Thursday February 15th 6:30pm to 8:30pm

Microsoft rose more than 1 percent sending its Market Value above the 3 trillion level for the First Time, Netflix now has a new record 260.8 million Paid Subscribers, Briefing.com Strategist Patrick O'Hare Talks About the Current Markets and More on the 7 Steps for Retirement Readiness Seminar at Stanford Park Hotel in Menlo Park on Thursday February 15th 6:30pm to 8:30pm

Stocks hit pause on a Record Setting Rally as the focus turned to the Health of corporate America and the Economy, Bitcoin breaks below 39k bringing Decline from ETF highs to more than 20 percent, More on the 7 Steps for Retirement Readiness Seminar at Stanford Park Hotel in Menlo Park on Thursday February 15th 6:30pm to 8:30pm

On Friday the S and P 500 notched a fresh high fueled by a Tech Rally, On Wednesday Tesla’s expected to report Higher Sales but Lower Profit, Qarterly results from Netflix and Oscar Nominations later this week will be closely watched

Ideas for Investing in Today's Markets, The Goal of Getting You to Retirement, More on Pints and Portfolios in Sunnyvale Saturday, January 20th

A bullish AI fueled revenue outlook from a Key Supplier to Apple and Nvidia, A look at Credit Card Travel Rewards Points and Miles, More on Pints and Portfolios in Sunnyvale Saturday, January 20th

Worries grew about China's economy whose growth is flagging despite Stimulus Measure, Uber plans to Shut Down the alcohol delivery platform Drizly by March, More on Pints and Portfolios in Sunnyvale Saturday, January 20th

Boeing shares tumbled nearly Seven Percent amid ongoing troubles, Tesla stock has fallen Twelve Percent this year, More on Pints and Portfolios in Sunnyvale Saturday, January 20th

What Current Business News Is showing us about the Rest of 2024, Briefing.com Strategist Patrick O'Hare Talks About the Current Markets, More on Pints and Portfolios in Sunnyvale Saturday, January 20th

Money Ideas for 2024, Inflation Observations, More on Pints and Portfolios in Sunnyvale Saturday, January 20th

December Inflation slightly hotter than Economists had expected, Securities and Exchange Commission approved spot bitcoin ETFs for trading in the US, More on Pints and Portfolios in Sunnyvale Saturday, January 20th

CPI numbers on Thursday, Briefing.com Strategist Patrick O'Hare Talks About the Current Markets, More on Pints and Portfolios in Sunnyvale Saturday, January 20th

Insurance Premiums have Outpaced Inflation, the SEC has until tomorrow to decide on at least one of the Spot Bitcoin ETF Applications it has received, More on Pints and Portfolios in Sunnyvale Saturday, January 20th

Investors are also Buying the Dip with the Technology Sector, the largest US radio company Audacy said it plans to file for Chapter 11, More on Pints and Portfolios in Sunnyvale Saturday, January 20th

What Jobs Report means for the Fed's Next Move, Florida is the first state to Import Prescription Drugs from Canada, More on Pints and Portfolios in Sunnyvale Saturday, January 20th

Reasons for the Sputter Start to 2024, What we Learned from 2023, More on Pints and Portfolios in Sunnyvale Saturday, January 20th

The Nasdaq Composite registered its Worst Daily Decline in nearly three months, Investors appeared to be selling last year’s Tech Winners which soared in 2023, More on Pints and Portfolios in Sunnyvale Saturday, January 20th

Wall Street having downbeat start to 2024 after a winning year, Barclays analysts downgraded their rating on Apple's stock, More on Pints and Portfolios in Sunnyvale Saturday, January 20th

EP Wealth CFP Chad Burton discusses Financial Planning Ideas with Rob, Ways for Accumulating Wealth in the New Year, More on Pints and Portfolios in Sunnyvale Saturday, January 20th

Rob discusses the Stocks he likes and Why, Looking ahead to 2024, A recap on 2023 and More on Pints and Portfolios in Sunnyvale Saturday, January 20th

Looking Back on 2023, Briefing.com Strategist Patrick O'Hare Talks About the Markets at the End of the Year, People Relocating for Money Reasons and More on Pints and Portfolios in Sunnyvale Saturday, January 20th

Money Basics for your 30s, Strategies to Gaining Wealth, More on Pints and Portfolios in Sunnyvale Saturday, January 20th

Working on a Roadmap to Retirement, Ideas for Saving Money, More on Pints and Portfolios in Sunnyvale Saturday, January 20th

Money 101 of 20 Basic Things Rob would Teach his Kids, Ideas for Building Wealth, More on Pints and Portfolios in Sunnyvale Saturday, January 20th

Inflation for 2024, Areas to Look At for 2024, Artificial Intelligence in 2024 and More on Pints and Portfolios in Sunnyvale Saturday, January 20th

Ideas for Estate Planning, 10 Year Treasury Yields, Tesla in 2023 and More on Pints and Portfolios in Sunnyvale Saturday, January 20th

Markets Rising Slightly after the Latest Encouraging Economic Data bolstered Investor Sentiment heading into End of the Year, Elon Musk is launching a new Private K through 12 School, Briefing.com Strategist Patrick O'Hare Talks About the Current Markets and More on Pints and Portfolios in Sunnyvale Saturday, January 20th

Last week’s indication of Three Likely Interest Rate Cuts from the Federal Reserve in 2024 provided another Catalyst for the Market, The number of Accredited Investors swelled to 24 Million in 2022, Intended Holiday Spending per person Jumped 31 Percent this year

Stocks Rose as the Market maintained the Momentum seen during its Seven Week Winning Streak, The S and P 500 is coming off its longest string of Weekly Gains since 2017, Streaming Bills got a lot More Expensive in 2023 and More on Pints and Portfolios in Sunnyvale Saturday, January 20th

The Fed Pivot has Investors expecting a March Rate Cut, The fight against Skin Cancer by Merck Moderna, Tony Mendes from The Real Estate Report and Bay Area LoanSource discusses new Products for Home Buying

Investors continued to Celebrate a Dovish Shift by the Federal Reserve that helped propel the Dow to a new all time Closing High, Even Global markets are caught up in a Wild Rally, The Federal Reserve signaled that there may be Multiple Interest Rate Cuts next year

Stocks were mostly flat Wednesday as Investors await the Federal Reserve’s latest Policy Decision, Shares of Pfizer touched a 10 Year Low, Briefing.com Strategist Patrick O'Hare Talks About the Current Markets

Stocks were little changed as Wall Street parsed through another Round of Inflation Data in search of clues on when the Fed could start Easing Monetary Policy, Airports will see their Busiest Holiday Travel Season, Tony Mendes from The Real Estate Report and Bay Area LoanSource discusses how the Housing Market May Turn Corner Next Year