So Who Benefits From Higher Rates?

Stocks were
higher Wednesday after the Fed raised rates by 1/4 point, the first rise in four
years.
  Dick Bernet, the chief
economist at Morgan Stanley, expecting rates to reach 2% by the end of 2004 and
3% by mid-2005.

As of yesterday, Fed fund futures were pricing in a 30-40% chance of a 50 bp
rise in August.


Money market and CD investors will welcome the rate
rise, as will people living off interest and those saving up for a large
purchase. The Chicago PMI dropped unexpectedly to an eight-month low, down to
56.4 with slowing vehicle sales.

Oil rose $1 to 37.06; Saudi
Arabia –which has been producing well above its quota — said that the price
was at a fair value.

Research In Motion
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jumped after reporting a profit of $55 million with sales that more than doubled
to $269.6 million. The company expects Q1 revenue to reach $250 million with EPS
of 21 cents. Piper Jaffray also raised 2005 pro-forma profit forecasts to $1.78
a share with revenue at $1.3 billion. CIBC raised their price target on the
stock to $80.

General Mills
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reported quarterly earnings that rose by 24% to $278 million on net sales of
$2.79 billion with strengths in cereal and yogurt products. For 2005, it expects
to earn $2.72 a share and raised quarterly dividend to 31 cents a share.

Dow +22.05 10435.48
S&P 500 +4.55 1140.75
Nasdaq +12.86 2047.49

Strong today were Gold and
Silver

(
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+2.02%, Oil Services
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+1.75%,
Homebuilders

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+1.73%.

Weak today were Disk Drives
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-0.64%, Drugs
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, -0.21%.

Economic news release today:
Chicago PMI that was much lower at 56.4 for the month of June; Fed raises rates
1/4 point.

10-year Notes were +230
at 109 105

The dollar
was -0.54 at 88.80

Gold was +0.30 at 392.10

Crude Oil was +1.40 at
37.06

Volume was 1.47 billion
on the NYSE, and 1.72 billion on the Nasdaq.

Market breadth was negative.

NYSE Issues
Advancing 2430 Up Vol 1024
Declining 872 Down Vol 395
Ratio 2.78 2.59
Nasdaq
Advancing 1912 Up Vol 1027
Declining 1237 Down Vol 531
Ratio 1.54 1.93

Stocks in the news:

Kmart
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agreed
to sell up to 54 stores to Sears for $621 million. The deal will leave
Kmart with 1,420 stores and $20 billion in annual revenue.

Taser International
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rose
8% after winning a $1.8 million contract from the US military. It is the largest
contract in the company’s history.

Lexar Media
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fell after
warning it may report a loss of $18 million on revenue of $155 million on
aggressive price cutting in the industry. The company will report Q2 numbers on
July 15th.

Autozone
(
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dropped after
announcing same-store sales down 1% with overall retail sales for the quarter
down 3%.

Brice Wightman

bricew@tradingmarkets.com