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<ul><li><keyword id="46577" type="General" weightage="50" keywordseo="hero-group" source="Orion">Hero Group</keyword> and <keyword id="6354544" type="General" weightage="80" keywordseo="kkr" source="Orion">KKR</keyword> have announced a $450 million investment in the company's renewable energy arm, <keyword id="7029" type="General" weightage="100" keywordseo="hero" source="Orion">Hero</keyword> Future Energies.</li><li>Post this investment, <keyword id="2951983" type="General" weightage="80" keywordseo="hfe" source="Orion">HFE</keyword> is valued at $1 billion.</li><li>HFE currently has an operational renewable energy capacity of 1.6 GW and operates in five countries apart from India.</li></ul> Hero Group and American private equity firm KKR have announced an investment of $450 million (approx. ₹3,600 crore) in Hero Future Energies (HFE), the renewable energy arm of the company. Hero Future Energies is a 10-year-old company and has presence across India, Bangladesh, Vietnam, Singapore, Ukraine and the UK. It offers a wide range of renewable energy technologies, ranging from solar, wind, battery storage, and green hydrogen. It currently has 1.6 GW of solar and wind power projects operational. “HFE’s clean energy solutions play an important role in helping companies decarbonize as energy demands continue to grow. We look forward to working closely with HFE’s management team and existing investors, including the Hero Group and IFC, to help HFE achieve its next phase of growth and contribute to the energy transition efforts in India and globally,” said <keyword id="201167" type="General" weightage="50" keywordseo="hardik-shah" source="Orion">Hardik Shah</keyword>, partner at KKR. KKR is not the first to invest in HFE – earlier, International Finance Corporation, and Abu Dhabi Future Energy (also known as Masdar) together picked up a 20% stake in HFE for $150 million, valuing the company at $750 million. KKR’s investment raises HFE’s valuation to $1 billion. “With this investment, Hero Future Energies will work to accelerate India’s energy transition and contribute to the Indian government's target of generating half the country’s power from non-fossil fuel sources by 2030,” said <keyword id="290686" type="General" weightage="50" keywordseo="rahul-munjal" source="Orion">Rahul Munjal</keyword>, chairman and managing director of HFE. Since 2011, KKR has invested over $15 billion in various companies in the renewable energy sector, with an operational capacity of 23 GW at the end of 2021. HFE says it plans to use the $450 million investment for grid-connected solar and wind power projects, apart from energy storage and green hydrogen solutions. SEE ALSO: <a href="https://www.businessinsider.in/stock-market/news/rally-in-banking-stocks-continue-as-credit-growth-picks-margins-get-a-boost/articleshow/94324519.cms">Rally in banking stocks continues as credit growth picks up &amp; margins get a boost</a> <a href="https://www.businessinsider.in/stock-market/news/how-indian-equity-gold-and-debt-investments-have-performed-over-the-past-two-decades/articleshow/94304653.cms">Story in charts: How Indian equity, gold and debt investments have performed over the past two decades</a> <a href="https://www.businessinsider.in/science/health/news/despite-inflation-8-out-of-10-people-intend-to-increase-spending-on-health-and-wellness-accenture-report/articleshow/94329579.cms">Despite inflation, 8 out of 10 people intend to increase spending on health and wellness : Accenture report</a>

Hero Group, KKR to invest $450 million in Hero Future Energies

<ul class="summary-list"><li>Hemochromatosis is a condition that causes an overload of iron in the blood.</li><li>Many people do not show any symptoms, but some experience fatigue and joint pain.</li><li>It can either be inherited or caused by receiving multiple blood transfusions. </li></ul>Iron is a mineral that's crucial for our bodies to properly function. Iron helps create <a href="https://ods.od.nih.gov/factsheets/Iron-Consumer/" target="_blank" rel="noopener">hemoglobin and myoglobin</a>, molecules that are transporting oxygen throughout your body. But it's possible to have too much of it in your blood. This is a dangerous and potentially life-threatening condition known as <a href="https://www.mayoclinic.org/diseases-conditions/hemochromatosis/symptoms-causes/syc-20351443" target="_blank" rel="noopener">hemochromatosis</a>. Here's what you need to know about the symptoms, complications, causes, and risk factors of hemochromatosis. <h2>Symptoms of hemochromatosis</h2>Most people with hemochromatosis <a href="https://www.mayoclinic.org/diseases-conditions/hemochromatosis/symptoms-causes/syc-20351443" target="_blank" rel="noopener">do not have any symptoms</a>, says <a href="https://www.yalemedicine.org/specialists/robert_bona" target="_blank" rel="noopener">Robert Bona, MD</a>, hematologist at <a href="https://www.yalemedicine.org" target="_blank" rel="noopener">Yale Medicine</a> and professor of medicine at <a href="https://medicine.yale.edu/" target="_blank" rel="noopener">Yale School of Medicine</a>. However, in people who do show symptoms, Bona says the most common signs are fatigue and joint pain. Additionally, some patients with hemochromatosis may notice a darkening of their skin color, says Bona.You may exhibit symptoms beyond this if the hemochromatosis has gone on to affect various organs in your body, and it may even lead to organ failure, says <a href="https://providers.keckmedicine.org/provider/Caroline+Piatek/205334" target="_blank" rel="noopener">Caroline Piatek, MD</a>, hematologist at <a href="https://www.keckmedicine.org/" target="_blank" rel="noopener">Keck Medicine of USC</a> and associate professor in the Jane Anne Nohl Division of Hematology at the <a href="https://keck.usc.edu/" target="_blank" rel="noopener">Keck School of Medicine of USC</a>. For example, <a href="https://www.mayoclinic.org/diseases-conditions/hemochromatosis/symptoms-causes/syc-20351443" target="_blank" rel="noopener">hemochromatosis may affect the</a>: <ul><li>Pancreas, which can lead to diabetes</li><li>Pituitary gland and gonads, which can lead to decreased libido and impotence</li><li>Heart, which may cause arrhythmias or heart failure</li><li>Liver, which may lead to cirrhosis</li></ul>The most dangerous of these complications are iron overload in the liver and heart, since heart failure and cirrhosis can both be fatal, says Piatek. <h2>What causes hemochromatosis?</h2>There are two main types of hemochromatosis: primary and secondary. Primary hemochromatosis results from abnormalities in the gene that regulates iron metabolism. This is also referred to as hereditary hemochromatosis since it is most commonly caused by the <a href="https://www.mayoclinic.org/diseases-conditions/hemochromatosis/symptoms-causes/syc-20351443" target="_blank" rel="noopener">HFE gene</a>. It is also one of the <a href="https://medlineplus.gov/genetics/condition/hereditary-hemochromatosis/#frequency" target="_blank" rel="noopener">most common genetic disorders</a>.Inheriting these abnormal genes does not guarantee that you will develop hemochromatosis. That being said, inheriting these abnormal genes from both of your parents is the top <a href="https://my.clevelandclinic.org/health/diseases/14971-hemochromatosis-iron-overload" target="_blank" rel="noopener">risk factor</a> for developing hemochromatosis.Secondary hemochromatosis is when medical conditions or treatments result in an overload of iron. Most commonly, Piatek says the culprit is getting multiple blood transfusions. She says some conditions that require chronic blood transfusions, which may lead to hemochromatosis, are:<ul><li>Thalassemia syndromes</li><li>Sickle cell disease</li><li>Bone marrow failure syndromes</li><li>Aplastic anemia</li><li>Myelodysplastic syndromes</li><li>Hematologic malignancies</li></ul>These cases can be tricky since the treatment of the underlying condition is causing the iron overload. In these situations, Piatek says patients often need specific therapy to manage the transfusion-associated iron overload. Examples of these treatments are iron chelation therapy and therapeutic phlebotomy.Some other medical <a href="https://my.clevelandclinic.org/health/diseases/14971-hemochromatosis-iron-overload" target="_blank" rel="noopener">conditions or situations that are risk factors for hemochromatosis</a> are:<ul><li>Liver disease</li><li>Hepatitis C</li><li>Anemia</li><li>Receiving kidney dialysis</li><li>Taking iron pills or injections </li></ul>Additionally, hemochromatosis is <a href="https://www.mayoclinic.org/diseases-conditions/hemochromatosis/symptoms-causes/syc-20351443" target="_blank" rel="noopener">more common in certain groups of people</a>, including:<ul><li>Men, particularly over the age of 40 (they are more likely to develop it since women lose iron during menstruation)</li><li>People of Northern European descent </li></ul><h2>Insider's takeaway</h2>Since hemochromatosis doesn't always show symptoms, it can be tricky to know if you have it. It's important to see your doctor regularly for check-ups to make sure you're in good <keyword id="11894571" type="UNKNOWN" weightage="100" keywordseo="health" source="Orion">health</keyword>. If you have a family history of hemochromatosis, be sure to let your doctor know so they can conduct the proper testing and discuss next steps with you.

How to tell if you have hemochromatosis, a condition that causes too much iron in your blood

<div class="image-container float_right" style="width:400px"><div class="image"></div><a href="http://www.flickr.com/photos/92661859@N00/3154606261/">bitzcelt / Flickr</a></div>We have a decent amount of economic data coming out of the U.S. today. 
Here's a quick preview with some commentary from High Frequency Economics Jim O'Sullivan:
<ul>
<li>Initial Jobless Claims (3/3)/8:30 EST Consensus: 355K, following 344K. HFE: 350K. The trend appears to have dropped to a 350-to-360K range from 360-to- 370K at year-end.</li>
<li>International Trade (1)/8:30 EST Consensus: -$42.6B, following -$38.5B. HFE: -$41.0B. Last month’s $10.1B decline in the deficit was probably only partly reversed, led by higher oil prices.</li>
<li>Productivity And Unit Labor Costs (Q4r)/8:30 EST Consensus: Revised productivity -1.6%, up from -2.0%, unit labor costs 4.3%, down from 4.5%. HFE: -1.6%, 4.5%. Revisions are likely to be minimal, similar to the pattern in GDP.</li>
<li>Fed Flow Of Funds (Q4)/12:00 EST Net worth likely rose in Q4, led by housing wealth. The Q1 gain should be larger, led by equities.</li>
<li>Consumer Credit (1)/15:00 EST Consensus: $14.7B, following $14.6B. HFE: $12.0B. Bank lending data suggest some slowing in January.</li>
</ul>

5 Important Economic Reports Coming Today, Including An Update On Deleveraging

Weekly jobless claims will be released at 8:30 a.m. 
Consensus is for 320,00, down from 329,000.
The consensus seems to be that yesterday's abysmal Q1 GDP figure was a blip. "Among the indicators suggesting much more strength than Q1 GDP is the ADP series; it was reported up a healthy 220K in April," HFE's Jim O'Sullivan writes in a note this morning. "We still forecast a 3.5% pace for real GDP in Q2. We also forecast a 185K rise in payrolls in the BLS report on Friday, a little below the 215K consensus but a solid number after allowing for the tendency recently for upward revisions to initially reported data."
Here's what the moving average has looked like recently.
<div class="KonaFilter image-container display-table"><div><div class="image"><a href="http://research.stlouisfed.org/fred2/series/IC4WSA">FRED</a></div></div></div>

HERE COMES JOBLESS CLAIMS...

<div class="image-container float_right"><div class="image"><a href="http://www.flickr.com/photos/bytemarks/5409428957/">bytemarks / Flickr</a></div></div>At 8:30 a.m. ET, the Department of Labor will release its latest report on weekly unemployment insurance claims.
Economists are looking for a reading of 330,000, up from 323,000 during the week prior.
<a href="http://www.businessinsider.com/initial-jobless-claims-september-7-2013-9">Click Here For Live Updates &gt;</a>
This is one of the final economic data releases before the Federal Reserve holds its FOMC meeting next week.
"Jobless claims become especially important at times like this," said High Frequency Economics' Jim O'Sullivan."While the precise relationship between claims and net employment growth varies -- the pace of new hiring also matter -- significant ups and downs in the trend in employment growth are invariably reflected in downs and ups in claims; that is the clear mess from our chart below."
<div class="image-container display-table"><div><div class="image">HFE</div></div></div>

HERE COMES INITIAL JOBLESS CLAIMS...

<a href="https://rootinevitamins.com/?rfsn=3121432.2c33b2&amp;utm_source=refersion&amp;utm_medium=influencers&amp;utm_campaign=3121432.2c33b221432.2c33b2" target="_blank" rel="noopener nofollow"></a><ul class="summary-list"><li><a href="https://rootinevitamins.com/?rfsn=3121432.2c33b2&amp;utm_source=refersion&amp;utm_medium=influencers&amp;utm_campaign=3121432.2c33b221432.2c33b2" rel="nofollow">Rootine</a> specializes in vitamin mixtures based on your <keyword id="15482" type="COMPANY" weightage="60" keywordseo="lifestyle">lifestyle</keyword> and a DNA test, and delivers them directly to your home once a month — their microbead design allows for optimal delivery of nutrients, too. </li><li>Though it's expensive (currently $60 for a 30-day supply), <a href="https://rootinevitamins.com/?rfsn=3121432.2c33b2&amp;utm_source=refersion&amp;utm_medium=influencers&amp;utm_campaign=3121432.2c33b221432.2c33b2" rel="nofollow">Rootine</a> avoids overloading you with megadoses of <keyword id="20918" type="PERSON" weightage="60" keywordseo="vitamins">vitamins</keyword> and minerals that could be harmful to you.</li><li>Before taking supplements, it's always a good idea to check with your healthcare professional first to determine if the supplement is right for you.</li></ul>I've tried dozens of multivitamins. The generics, the expensive options, the custom formulas designed to aid in achieving specific health goals; all of it. For the most part, I haven't noticed much of a difference when taking them despite feeling sluggish when I don't. Then I tried the vitamins from <a href="https://rootinevitamins.com/?rfsn=3121432.2c33b2&amp;utm_source=refersion&amp;utm_medium=influencers&amp;utm_campaign=3121432.2c33b221432.2c33b2" target="_blank" rel="nofollow noopener">Rootine</a>. After only a few days, I felt a bit sharper both mentally and physically (something I didn't think I'd be able to notice so clearly). In the month after I started, I didn't experience any noticeable sickness or illness — whether or not these observations can be attributed to the vitamin, I'm unable to say. <h3>Medical disclaimer</h3>Before we further explore my experience with the vitamin and the Rootine service as a whole, I need to provide a few disclaimers.First, this review is based entirely on my own opinion — this is not a scientific review of the vitamin. Our health editor looked at the research and there is a lack of evidence affirming <a href="https://rootinevitamins.com/?rfsn=3121432.2c33b2&amp;utm_source=refersion&amp;utm_medium=influencers&amp;utm_campaign=3121432.2c33b221432.2c33b2" target="_blank" rel="nofollow noopener">Rootine's</a> claims that a DNA test provides a beneficial multivitamin. Registered nutritionist Samantha Cassetty, who medically reviewed this article, also pointed out that there's no scientific validity of the vitamin nor is there enough research to certify the brand's claims. Additionally, before taking supplements, it's always a good idea to check with your healthcare professional first to determine if the supplement is right for you. Finally, be careful to keep these vitamins out of reach of children. <h3>How <a href="https://rootinevitamins.com/?rfsn=3121432.2c33b2&amp;utm_source=refersion&amp;utm_medium=influencers&amp;utm_campaign=3121432.2c33b221432.2c33b2" target="_blank" rel="nofollow noopener">Rootine</a> works</h3>Rootine is different from other multivitamins because the company creates a custom formula based on your lifestyle, health history, and a DNA test. To get my custom-made vitamin pack, I first answered an 18-question lifestyle quiz. This includes questions like:<ul><li>"Do you follow any specific diet?"</li><li>"Do you smoke cigarettes?"</li><li>"How tall and heavy are you?"</li></ul>The quiz takes roughly 10 minutes. You then enter your contact information so Rootine can send you a DNA test kit. If you already have DNA test results from <a href="https://www.businessinsider.com/best-dna-kit" target="_blank" rel="nofollow noopener">23andMe, Ancestry, or similar services</a>, you can simply upload your genetic data, and <a href="https://rootinevitamins.com/?rfsn=3121432.2c33b2&amp;utm_source=refersion&amp;utm_medium=influencers&amp;utm_campaign=3121432.2c33b221432.2c33b2" target="_blank" rel="nofollow noopener">Rootine</a> analyzes it.This is much faster (one or two days) than doing a DNA test from scratch. You can also upload blood panel results from a health care professional to provide even more data to help Rootine craft a custom multivitamin.I chose to submit my DNA via <a href="https://rootinevitamins.com/?rfsn=3121432.2c33b2&amp;utm_source=refersion&amp;utm_medium=influencers&amp;utm_campaign=3121432.2c33b221432.2c33b2" target="_blank" rel="nofollow noopener">Rootine's kit</a>. With the kit, you swab out your mouth first thing in the morning then send it back via a postage-paid box. Collecting the DNA samples takes about 15 minutes.Six weeks after I mailed the DNA test back, I received my first month of vitamins. <h3>What you get with a Rootine subscription</h3><a href="https://rootinevitamins.com/?rfsn=3121432.2c33b2&amp;utm_source=refersion&amp;utm_medium=influencers&amp;utm_campaign=3121432.2c33b221432.2c33b2" target="_blank" rel="nofollow noopener">Rootine</a> is a subscription service, so after the initial quiz and DNA test, you receive 30 packs of vitamins each month at a rate of $60 per month. Each pack is filled with microbeads that you're supposed to take with a meal each morning. Printed on the box containing my packs were the supplement facts and ingredients. Though the numbers vary based on your personal profile, my packs each had at least 100% of the recommended dietary allowance (RDA) of vitamin C, vitamin D3, vitamin E, vitamin B2, vitamin B6, folate, iron, zinc, and selenium. There were also significant amounts of fiber (5g), calcium, magnesium, manganese, copper, alpha-lipoic acid, CoQ10, MSM, and phytosterol. When you access your Rootine account, you can see why your multivitamin contains the nutrients it does. For example, my vitamin has 506 mg calcium, which is higher than most because <a href="https://rootinevitamins.com/?rfsn=3121432.2c33b2&amp;utm_source=refersion&amp;utm_medium=influencers&amp;utm_campaign=3121432.2c33b221432.2c33b2" target="_blank" rel="nofollow noopener">Rootine</a> determined my lifestyle and genes warranted an elevated dose. My profile also shows what the vitamins are intended for. For instance, as the most abundant mineral in the body, calcium is needed for strong, healthy, bones.<h3>What makes Rootine multivitamins stand out</h3><a href="https://rootinevitamins.com/?rfsn=3121432.2c33b2&amp;utm_source=refersion&amp;utm_medium=influencers&amp;utm_campaign=3121432.2c33b221432.2c33b2" rel="nofollow">Rootine</a> was co-founded by Dr. Daniel Wallerstorfer, who is a leading genetic scientist and has more than a decade of experience building genetics and nutrient labs. <a href="https://rootinevitamins.com/?rfsn=3121432.2c33b2&amp;utm_source=refersion&amp;utm_medium=influencers&amp;utm_campaign=3121432.2c33b221432.2c33b2" target="_blank" rel="nofollow noopener"><div type="image" title="Rootine Vitamins" height="900" width="1200" msid="76654017" hostid="261"></div></a>I had the opportunity to ask him about <a href="https://rootinevitamins.com/?rfsn=3121432.2c33b2&amp;utm_source=refersion&amp;utm_medium=influencers&amp;utm_campaign=3121432.2c33b221432.2c33b2" target="_blank" rel="nofollow noopener">Rootine</a> over email, and he gave me a long list of examples for why taking DNA, lifestyle, and blood nutrient levels into consideration is important when choosing a multivitamin. We don't have room to cover all of them in this review, and there's an <a href="https://rootinevitamins.com/pages/nutrigenetics" target="_blank" rel="nofollow noopener">easy-to-understand explanation here</a>, but here are a few ways a custom-made vitamin could be advantageous for you, according to Dr. Wallerstorfer:<ul><li>If you have the HFE gene, your body stores more iron than needed, <a href="https://ghr.nlm.nih.gov/condition/hereditary-hemochromatosis" target="_blank" rel="nofollow noopener">a condition called hemochromatosis</a>. If you were to take a supplement with extra iron in it, it could potentially be fatal.</li><li>Rootine takes your lifestyle into consideration for several reasons. For instance, <a href="https://www.ncbi.nlm.nih.gov/pubmed/23356638" target="_blank" rel="nofollow noopener">vegans typically don't get enough B12</a>, <a href="http://depts.washington.edu/nutr/wordpress/wp-content/uploads/2015/03/Selenium_2012.pdf" target="_blank" rel="nofollow noopener">gluten-free individuals may not be getting enough selenium</a>, and <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC3967195/" target="_blank" rel="nofollow noopener">people who avoid dairy may need extra calcium</a>.</li><li>The blood panel might be helpful because if your blood has low levels of a certain nutrient, there may be a deficiency in the body that a supplement could help with.</li></ul>I liked that there were no megadoses of any of the vitamins or minerals. At the most extreme, my vitamin C dose was 182% the RDA. Though there is no specific definition of "megadose," it's usually used to describe taking many times the recommended amount.<h3>What to keep in mind</h3>It's important to follow the directions for how to ingest the microbeads. I figured I'd just toss them in a bottle of water and drink them but this was a huge mistake as I had trouble getting the beads down my gullet. They would stick to the water bottle and the crevasses between my teeth.Instead, I needed to put them in a thicker substance that didn't require chewing. Something like a thick smoothie works (and you'd add them <a href="https://www.businessinsider.com/best-blender" target="_blank" rel="nofollow noopener">after blending</a>) or I might sprinkle it on top of yogurt. My favorite method for swallowing the beads was to pour a little at a time directly onto my tongue — this takes some practice — before taking a swig of water. <h3>A few inconveniences</h3>To me, the microbeads are annoying but they're a nice option if you have trouble swallowing large multivitamins. <a href="https://rootinevitamins.com/?rfsn=3121432.2c33b2&amp;utm_source=refersion&amp;utm_medium=influencers&amp;utm_campaign=3121432.2c33b221432.2c33b2" target="_blank" rel="nofollow noopener">Rootine</a> co-founder Rachel Sanders told me the design "ensures the best quality product and optimal delivery for vitamins and minerals." She added, "The innovative slow-release microbeads deliver a customized dosage of vitamins into your bloodstream throughout the day, which is aligned with how the human body absorbs nutrients from food."The DNA test was a little bit of a pain, too. You're supposed to swab out your mouth first thing in the morning before you eat or drink anything. I need espresso to exist and down a shot of it before even opening my eyes. It took some real trickery to derail my normal routine to do the DNA test (this is dramatic, I know). Once I sent the test back, it seemed like there was a large window — six weeks — before I finally got my vitamins. Fortunately, they told me this would be the case ahead of time and sent updates throughout the process. Plus, you only have to do the test once before the vitamins arrive like clockwork. You might also consider skipping the DNA test altogether since the efficacy of it is questionable.<h2>The bottom line</h2>After the long customization process, and once I got the hang of the microbeads, I found <a href="https://rootinevitamins.com/?rfsn=3121432.2c33b2&amp;utm_source=refersion&amp;utm_medium=influencers&amp;utm_campaign=3121432.2c33b221432.2c33b2" target="_blank" rel="noopener">Rootine</a> to be an outstanding multivitamin. Based on my opinion, they kept my health on track even when my eating was less than exemplary. But is it worth the $2 a day price tag? I found the experience to be positive but due to a lack of scientific evidence capable of confirming Rootine's claims, it's not guaranteed you'd feel the same about them as I did. It's also hard for me to confidently recommend them. According to our medical reviewer, Samantha Cassetty, there isn't enough research pertaining to DNA-based multivitamins to suggest they're any better than a routine multivitamin formulated specifically for your age or gender.<ul><li>Should you buy it? This is entirely up to you. I enjoyed taking Rootine, as well as the process of getting the vitamins, but understand that everyone's personal experience can differ significantly. It's recommended you consult with your doctor to determine if a multivitamin is right for you. </li><li>What are your alternatives? If <a href="https://rootinevitamins.com/?rfsn=3121432.2c33b2&amp;utm_source=refersion&amp;utm_medium=influencers&amp;utm_campaign=3121432.2c33b221432.2c33b2" target="_blank" rel="nofollow noopener">Rootine</a> doesn't seem like the right fit, consider some of the suggestions in our guides to the <a href="https://www.businessinsider.com/best-womens-multivitamins" target="_blank" rel="noopener">best women's multivitamins</a> and <a href="https://www.businessinsider.com/best-mens-multivitamins" target="_blank" rel="noopener">men's multivitamins</a>.</li></ul>Pros: Customized multivitamins, microbeads may be easier for users to swallow than the usual large pills, vegetarian/vegan, no megadosingCons: Expensive, long lead-up time if doing the DNA test, swallowing the microbeads takes some practice<a href="https://rootinevitamins.com/?rfsn=3121432.2c33b2&amp;utm_source=refersion&amp;utm_medium=influencers&amp;utm_campaign=3121432.2c33b221432.2c33b2" target="_blank" rel="noopener"></a>

I tried a customized multivitamin subscription that took into consideration my DNA and lifestyle — here's how it works and how I felt after taking it

<div class="KonaFilter image-container display-table float_right"><div><div class="image"><a href="http://commons.wikimedia.org/wiki/File:Australia_Cairns_Boomerang.jpg">Wikimedia Commons</a>Australian boomerangs</div></div></div>ADP will announce its jobs data for April at 8:15 a.m. 
Expectations are for a reading of 210,000 from 191,000.
Around this time last month, <a href="http://www.businessinsider.com/economists-criticize-adp-payroll-report-2014-4">we reported</a> that some analysts were rebelling against the weight given ADP's ability to predict the actual jobs number from the BLS. The contention was that it is too reliant on BLS data and not on its own figures, making it sort of useless. What's more, the analysts said, ADP wasn't even using BLS data properly, and that it often ended up with a number closer to the previous month's official figure. 
Then ADP totally proved them wrong by basically <a href="http://www.businessinsider.my/adp-nails-the-jobs-number-2014-4/#.U2DfhOZdW_c">nailing the number</a>, which came in at 192,000. 
In a note this morning, HFE's Jim O'Sullivan says Friday's print will prove another test, but that the critics seem to have outkicked their coverage:
...while we have never viewed the ADP series as a very reliable monthly indicator, and would prefer if the data were more clearly independent from the BLS series, we think the scathing criticism is not merited. Realistically, the ADP series will never make the employment report redundant, but it does at least provide another gauge of whether trends are suddenly changing. As with jobless claims, its message a few months ago was that the sudden weakening in payrolls in December and January was exaggerated. 
For the record, the median ADP miss, without regard to sign, has been 36K for the initially reported data in the 18 months since Moody's became the compiler. That is a clear improvement relative to the 62K median miss in the prior 18 months. However, it is slightly larger than the 31K median consensus miss in the last 18 months; the median consensus miss was 44K in the prior 18 months.
Let's see what happens.

HERE COMES ADP'S PRIVATE PAYROLLS REPORT...

It's Fed day in the US, and in the afternoon, <keyword id="45366" type="PERSON" weightage="60" keywordseo="Ben-Bernanke">Ben Bernanke</keyword> will be holding a press conference.
He's widely expected to say that the gas pedal remains press down for the foreseeable future.
Ben White at POLITICO passes this along in today's <a href="http://www.politico.com/morningmoney/">Morning Money</a> newsletter:
HFE’s Jim O’Sullivan: “We expect the message on Fed policy, including QE3, will remain ‘full speed ahead’ in the <keyword id="136502" type="ORGANIZATION" weightage="60" keywordseo="FOMC">FOMC</keyword> statement and the chairman’s press conference today. Officials will have to acknowledge a pick-up in growth in Q … and they may tweak the wording on QE3 slightly, but the end result will likely be no deviation from current policies and no hint that a scaling down in the pace of easing is imminent. The main reason for continued easing: The unemployment rate remains ‘elevated.’”
This is key.
While there's a lot of talk about when we'll finally see Fexit (a Fed exit from its unorthodox easing measures) Bernanke doesn't want to indulge in that. Even if he were thinking in his head about exiting, he wants to send the economy the message that if anything he'll overshoot, and let inflation go hot in order to get jobs down.
Eventually he may tighten, but for now the signaling should be that he's still going full throttle, even as the economy seems to be turning.

Bernanke Will Send The Economy A Crucial Message At His Press Conference Today

<keyword id="87998" type="UNKNOWN" weightage="60" keywordseo="Retail-sales">Retail sales</keyword> climbed by <a href="http://www.businessinsider.com/january-2013-retail-sales-2013-2">0.1 percent in January</a>, which was right in line with expectations.
This is largely being taken as good news because this was the first month that consumers got his with the <keyword id="932876" type="UNKNOWN" weightage="60" keywordseo="payroll-tax">payroll tax</keyword> hike. In other words, it was a good thing that the report wasn't much worse than expected.
However, a handful of economists warn that the impact will likely have a more pronounced effect in future reports.
"[T]he tax hikes and latest leap in gasoline prices (which will leave households with less cash to spend on other items) could hit spending harder in February and March," says Paul Dales of Capital Economics.
High Frequency Economics' Jim O'Sullivan also thinks we shouldn't get too excited about positive growth in today's report. Like Dales, O'Sullivan thinks the impact of the tax hike could show up in a future report. From a note earlier this week.
The apparent strength in retail sales in January should not be viewed as evidence that the payroll tax hike will have no impact: With the tax reducing disposable income by 0.9%—equivalent to 0.7% of GDP—and many individuals living paycheck to paycheck, there clearly will be an impact on growth. The CBO has estimated a 0.5-point hit to GDP in 2013; that number looks reasonable to us.
So why the apparent rise in spending in January? In part, the pattern reflects lags, with consumers adjusting their spending over several months. The impact on spending was not immediately obvious when payroll taxes were cut two years ago, either. In part, it reflects the vagaries of January data, with spending down sharply from December before seasonal adjustment. Also, some of the spending in January is a product of gift cards purchased and received in December. However, part of the pattern likely also reflects the spending power being generated by an increasingly healthy labor market recovery.
Here's O'Sullivan's chart:
<table class="image-container" width="200"><tr><td><div class="image"></div>HFE</td></tr></table>

Don't Get Excited Yet - That Payroll Tax Hike Will Slam Us In The Next Few Months

The U.S. housing market has been one of the bright spots of the global economy.
But the data hasn't not been uniformly bullish.
Economists have noted that <keyword id="408274" type="UNKNOWN" weightage="60" keywordseo="new-home-sales">new home sales</keyword> has been a laggard. And with housing starts roaring back, some are concerned that the market for new homes may soon see a supply glut.
Here's TD Securities Millan Mulraine:
New home sales to improve The new homes market has been a laggard in the overall housing market recovery, and while new homebuilding and existing home sales activity have risen significantly from their lows, new home sales have yet to enjoy a similar turnaround in fortune. In December, we expect sales activity to improve modestly, with the pace of sales boasting a respectable 6.1% m/m gain to 400K. The increase in sales will add to the positive momentum in November, when sales rose an equally impressive 4.4% m/m, justifying the surge in optimism among homebuilders (as seen in the NAHB homebuilders’ sentiment report) about sales prospects in recent months. In the coming months, we expect the positive momentum in new home sales activity to be sustained, though it is likely to continue to lag the buoyancy in the existing homes market.
Here's a chart. The concern is that lagging new home sales could cause another supply glut.
<table class="image-container" width="200"><tr><td><div class="image"></div>TD Securities</td></tr></table>
 
From HFE's Jim O'Sullivan:
While manufacturing has been weak, housing indicators have generally been strengthening. Indeed, housing is now the strongest part of the economy—in growth terms, not levels. At 377K, the November reading for new home sales was just a fraction of the 1.389 million level reached in 2005, but it was up 15% from 12 months earlier. We expect the uptrend to continue in today’s report for December.
<div class="image-container" style="width:610px"><div class="image"></div>High Frequency Economics</div>
The December new home sales report gets published at 10:00 AM ET. Economists are looking for a reading of <a href="http://www.bloomberg.com/markets/economic-calendar/">388k</a>, up from 377k last month.

New Home Sales Is The Only Housing Metric That Has Anyone Worried These Days

<div class="KonaFilter image-container float_right"><div class="image on-image"><a href="https://www.flickr.com/photos/15609463@N03/6213633972/in/photolist-at5uUd-9ZbmwG-gGSuS-EV5bY-7BAEcy-6kcqHL-desxen-desvUE-4wprYu-sokXY-dp34Vg-4v3qZQ-egyusW-egsJNg-aCofqY-7ZDhsf-7ZA6U4-4WQgsL-xpxbM-4WQgM1-56z4Kj-desqvF-h1Rzv-582qUF-27iQs-8Ehtzw-mCyAnT-5nP8Qd-e82zxd-2tQ4aT-gy4MkB-48koP9-fzhMTF-9SYAmV-aT3kFz-73RqTH-53WTEk-dGrn6z-5fVE5p-72ywKF-s48FJ-oiNog-72Cw5h-5h4So8-7sdgTK-5Mxbxf-47H8XN-2UaC18-2Uf1i9-2UaDgi">Jamie McCaffrey via Flickr</a></div></div>Housing data has been very weak in recent months, reeling from the impact of the cold winter and because of elevated mortgage rates. Supply and affordability have also weighed on new home sales.
Economists have been <a href="http://www.businessinsider.com/goldman-cuts-housing-forecast-2014-5">slashing their housing forecasts</a> recently following the deteriorating data.
Even Federal Reserve chair Janet Yellen has expressed concern about the housing recovery as well.
But with the weather warming up and mortgage rates declining, some economists expect the housing recovery to get back on track.
This week we get existing and new home sales data that should show a modest improvement.
Existing home sales are expected to rise 2.2% month-over-month to an annualized pace of 4.69 million. Moreover, the pending home sales index increased modestly in March, and the series leads existing home.
New home sales are expected to rise 10.7% MoM to an annualized pace of 425,000. This comes after a <a href="http://www.businessinsider.com/march-new-home-sales-2014-4">dramatic 14.5% fall</a> the previous month. 
A key thing to note is that the mortgage applications purchase index has been trending up since early March. Here's a chart from Jim O'Sullivan, chief economist at High Frequency Economics.
<div class="KonaFilter image-container display-table click-to-enlarge"><div><div class="image"><a title_source="HFE" title_caption="" class="zoomin" href="https://static-ssl.businessinsider.com/image/537b678decad04475b8bae39-960/screen shot 2014-05-20 at 10.31.21 am.png"></a>HFE</div></div></div>Paul Diggle at Capital Economics also points to the jump in <a href="http://www.businessinsider.com/housing-starts-apr-2014-2014-5">April housing starts</a>, that should "ease fears that the recent soft patch in housing market activity will turn into an extended slowdown." Taking April's data along with the gains we've seen in February and March, Diggle writes that starts are up 26.4% over the past year and "have made up pretty much all of their earlier losses relating to the severe winter weather."
Housing starts are below the 1.5 million level needed to meet demand from household formation and he thinks there is scope for starts to rise more.
Unlike the increasing Wall Street consensus that housing won't contribute as much to GDP growth, Diggle writes that "this suggests that, following negative contributions in the past two quarters, residential investment will be a tailwind for GDP growth again soon."
He also isn't too alarmed by the modest decline in homebuilder confidence. "Previous similar run-ups and subsequent moderations in homebuilder confidence have not signalled the end of recoveries in housing starts," he writes.
And then there's the 0.7% rise in the Fed's measure of closed mortgages - where you can't refinance the loan or renegotiate it. "That partly reflects rising house prices and higher loan-to-value ratios increasing the value of the typical mortgage application, to a record high of $277,500 in April. That's above the peak of $250,000 reached during the boom years," writes Diggle.
And the average FICO credit score of newly approved mortgages was 725 in March, down from 750 a year ago (although it's above the average of 690) - something <a href="http://www.businessinsider.com/us-mortgage-lending-is-starting-to-ease-2014-4">we previously discussed</a>.
Diggle admits that not all the data has been positive but he thinks the housing market is "bouncing back from its weather- related lull," and "that's consistent with the fundamentals of an undervalued and affordable market, and means that the housing market is unlikely to experience the extended weak period that Yellen fears."

Why The Housing Market Isn't Doomed To Tumble

<div class="KonaFilter image-container display-table float_right"><div><div class="image">REUTERSVasily Fedosenko</div></div></div>Good morning! Here's what you need to know.
Fed Day. The FOMC will give its latest guidance on monetary policy at 2 p.m. Bill McBride at Calculated Risk <a href="http://www.businessinsider.com/one-sentence-fomc-preview-2014-4#ixzz30McIbcsm">says it'll be mostly staying the course</a>. "I expect the FOMC to announce a $10 billion decrease in asset purchases, to blame the early year weakness mostly on the weather, and to express some concern about housing and also concern that inflation is too low."
Twitter Shares Sink. The stock is down 12.6% before the bell after the San Francisco-based group announced disappointing user growth. "Costolo's explanations [for the miss] were admirable, but fell short," <a href="http://www.businessinsider.com/twitter-q1-earnings-2014-4#ixzz30Mm13u31">BI's Jay Yarow said</a>. "When the call started, Twitter was down 8-9%. By the end of the call, it was down 10-11%." 
Mortgage Demand Plummets. Applications <a href="http://www.calculatedriskblog.com/2014/04/mba-mortgage-applications-decrease-in_30.html?utm_source=dlvr.it&amp;utm_medium=twitter">fell</a> 5.9% to their lowest level since December 2000. Refi demand fell 7% to the lowest level since 2008. 
Japan PMI. Japan's April <a href="http://www.markiteconomics.com/Survey/PressRelease.mvc/4786eaed9e824f26b646f9286624726e">Markit manufacturing survey</a> yielded some mixed results. The headline PMI fell to 49.4 in April from 53.9 in March. That's the first sub-50 reading in 14 months. Any reading below 50 signals contraction."As was expected, the implementation of the increase in the sales tax negatively impacted on Japanese manufacturing companies," noted Markit's Amy Brownbill. "Output and new orders both fell for the first time in 14 months. In both cases, Japanese manufacturing companies linked the reductions to the increase in the sales tax."
IMF: Russia Is Already In Recession. The International Monetary Fund <a href="http://www.businessinsider.com/imf-russia-is-already-in-recession-2014-4#ixzz30MkP0Icv">said</a> Wednesday that Russia is already in recession. The organization also slashed its growth forecast for 2014 to 02.% from 1.3% just a few weeks ago citing the effect of the Ukraine crisis on investment. "If we define recession as negative growth in two quarters in a row, then Russia from that point of view is experiencing recession," IMF economist Antonio Spilimbergo was quoted as saying by the Interfax news agency. 
Eurozone Inflation Higher. Prices climbed 0.7%, less than the 0.8% expected but better than 0.5% in March. "European Central Bank governing council member Christian Noyer said Wednesday he favors some additional measures to loosen monetary policy, but said the central bank is already doing a lot," <a href="http://online.wsj.com/news/articles/SB10001424052702303678404579533170337662130?mod=WSJ_hp_LEFTWhatsNewsCollection&amp;mg=reno64-wsj">the Wall Street Journal reported</a>. 'I think we can do a little bit more, but essentially we have done what is necessary,' he said on French radio Europe 1."
Justice Looking Into Illicit Tax Shelters. The Justice Department is looking to bring criminal charges against Credit Suisse and BNP Paribas for providing illicit tax shelters to U.S. clients and financing blacklisted governments respectively, <a href="http://dealbook.nytimes.com/2014/04/29/u-s-close-to-bringing-criminal-charges-against-big-banks/?_php=true&amp;_type=blogs&amp;hp&amp;_r=0">the New York Times reports.</a> The FT <a href="http://www.ft.com/intl/cms/s/0/73c567e2-d035-11e3-af2b-00144feabdc0.html?siteedition=intl#axzz30GyhPtOC">says</a> BNP has warned its penalty could be in hte multiple billions.
ADP. At 8:15 a.m. we get the ADP employment report for April. Consensus is for a reading of 210,000 versus 190,000 prior. "The ADP report received a lot of criticism from some analysts ahead of last month's release, but the critics were at least temporarily quieted by just a 1K miss: The BLS reported private payrolls up 192K, almost identical to the 191K ADP estimate," HFE's Jim O'Sullivan said in a note this morning. "The monthly ADP estimate reflects a combination of current-month data derived from ADP clients' employee records and an estimate of the recent trend, based in large part on the latest BLS data. As a result, last month's payrolls data will affect this month's ADP estimate. The point of contention is whether the ADP estimate has become overly dependent on the latest BLS data, and not enough on ADP's independent information, such that the ADP series is a better indicator of the prior month's payrolls than the current month's. Indeed, data for some months recently seem to fit that pattern, although we suspect the outcome is largely by chance. According to Mark Zandi of Moody's Analytics, which helps compile the data, 96% of the variation in ADP from month to month is due to the independent ADP data."
GDP. At 8:30 a.m. we get a Q1 GDP reading. Estimates are for a print of 1.2% growth, down from 2.6% prior. This would be driven by an estimated 2.0% growth in personal consumption. 
Markets. Are going nowhere. TimeWarner just announced they'd beat on earnings. Other earnings today include Yelp and MetLife.

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