Should we see the state of the stock market as a sign of hope for the near future?
Listen to Spencer McGowan from The McGowan Group talk about this as a guest on Newsradio 1320 WILS broadcasting via Fox News Radio.
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Should we see this as a sign of hope for the near future?
Listen to Spencer McGowan from The McGowan Group talk about this as a guest on Newsradio 97.5 KTBB broadcasting via Fox News Radio.
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✔ Spencer McGowan Social Media
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✔ 97.5 KTBB Social Media
➤ https://ktbb.com
➤ https://facebook.com/ktbbtyler
Should we see this as a sign of hope for the near future?
Listen to Spencer McGowan from The McGowan Group talk about this as a guest on Newsradio 1040 WHO broadcasting via Fox News Radio.
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✔ Spencer McGowan Social Media
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✔ 1040 WHO Social Media
➤ https://whoradio.iheart.com
➤ https://facebook.com/whoradio
Should we see this as a sign of hope for the near future?
Listen to Spencer McGowan from The McGowan Group talk about this as a guest on Newsradio 1290 WTKS broadcasting via Fox News Radio.
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✔ Spencer McGowan Social Media
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➤ https://newsradio1290wtks.iheart.com
➤ https://twitter.com/newsradiosav
How should people work to prevent that debt even during these difficult times?
Listen to Spencer McGowan from The McGowan Group talk about this as a guest on 740 KTRH, broadcasting in Houston, Texas.
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✔ Spencer McGowan Social Media
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✔ 740 KTRH Social Media
➤ https://ktrh.iheart.com
➤ https://facebook.com/ktrhnews
What can we expect in the next few weeks? Can anything be done to help mitigate the damage being done to the stock market?
Listen to Spencer McGowan from The McGowan Group talk about this as a guest on Newsradio 1100 WTAM broadcasting via Fox News Radio.
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✔ Spencer McGowan Social Media
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✔ 1100 WTAM Social Media
➤ https://wtam.iheart.com
➤ https://facebook.com/WTAM1100
What can we expect in the next few weeks? Can anything be done to help mitigate the damage being done to the stock market?
Listen to Spencer McGowan from The McGowan Group talk about this as a guest on Newsradio 93.5 WSJK broadcasting via Fox News Radio.
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✔ Spencer McGowan Social Media
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✔ 93.5 WSJK Social Media
➤ https://espncu.com/
➤ https://facebook.com/espncu
What can we expect in the next few weeks? Can anything be done to help mitigate the damage being done to the stock market?
Listen to Spencer McGowan from The McGowan Group talk about this as a guest on Newsradio 600 WREC broadcasting via Fox News Radio.
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✔ Spencer McGowan Social Media
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✔ 600 WREC Social Media
➤ https://600wrec.iheart.com
➤ https://facebook.com/600wrec
What can we expect in the next few weeks? Can anything be done to help mitigate the damage being done to the stock market?
Listen to Spencer McGowan from The McGowan Group talk about this as a guest on Newsradio 600 WMT broadcasting via Fox News Radio.
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✔ Spencer McGowan Social Media
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✔ 600 WMT Social Media
➤ https://600wmtradio.iheart.com
➤https://facebook.com/600wmt
What can we expect in the next few weeks? Can anything be done to help mitigate the damage being done to the stock market?
Listen to Spencer McGowan from The McGowan Group talk about this as a guest on Newsradio 1320 WJAS broadcasting via Fox News Radio.
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✔ Spencer McGowan Social Media
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➤ https://themcgowangroup.com
✔ 1320 WJAS Social Media
➤ https://1320wjas.com
➤ https://facebook.com/1320wjas
What can we expect in the next few weeks? Can anything be done to help mitigate the damage being done to the stock market?
Listen to Spencer McGowan from The McGowan Group talk about this as a guest on Newsradio 1320 WILS broadcasting via Fox News Radio.
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✔ Spencer McGowan Social Media
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➤ https://themcgowangroup.com
✔ 1320 WILS Social Media
➤ https://1320wils.com
➤ https://twitter.com/1320wils
Is this the way to keep the economy stable? Or will this just further end in disaster?
Listen to Spencer McGowan from The McGowan Group talk about this as a guest on the Keith Hanson Show.
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✔ Spencer McGowan Social Media
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➤ https://themcgowangroup.com
✔ Keith Hanson Show Social Media
➤ https://facebook.com/KeithOnTheAir
Things do seem to be improving, but to what degree?
Listen to Spencer McGowan from The McGowan Group talk about this as a guest on 740 KTRH, broadcasting in Houston, Texas.
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✔ Spencer McGowan Social Media
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✔ 740 KTRH Social Media
➤ https://ktrh.iheart.com
➤ https://facebook.com/ktrhnews
How much of an impact has there really been? How long will it take to recover?
Listen to Spencer McGowan from The McGowan Group talk about this LIVE as a guest on The Keith Hanson Show, syndicated nationally.
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✔ Spencer McGowan Social Media
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✔ Keith Hanson Show Social Media
➤ https://iheart.com/podcast/966-the-keith-hanson-show-56589344
➤ https://facebook.com/KeithOnTheAir
How much of an impact has there really been? How long will it take to recover?
Listen to Spencer McGowan from The McGowan Group talk about this LIVE today as a guest on Newsradio 93.9 KSSZ broadcasting in Columbia, Missouri.
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✔ Spencer McGowan Social Media
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✔ 93.9 KSSZ Social Media
➤ https://939theeagle.com
➤ https://facebook.com/WakeUpColumbia
What can we expect from these new tariffs and how will they impact the US?
Listen to Spencer McGowan from The McGowan Group talk about this LIVE today as a guest on The Moon Griffon Show on Newsradio 96.5 KPEL broadcasting in Lafayette, Louisiana.
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✔ Spencer McGowan Social Media
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➤ https://themcgowangroup.com
✔ 96.5 KPEL Social Media
➤ https://kpel965.com
➤ https://facebook.com/kpel965
Students will be required to take and pass this class in order to graduate, with the hopes of better preparing students for financial decision-making in their adult lives.
Listen to Spencer McGowan from The McGowan Group talk about this as a guest on Newsradio 1290 WTKS broadcasting via Fox News Radio.
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✔ Spencer McGowan Social Media
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➤ https://themcgowangroup.com
✔1290 WTKS Social Media
➤ https://newsradio1290wtks.iheart.com
➤ https://twitter.com/newsradiosav
Students will be required to take and pass this class in order to graduate, with the hopes of better preparing students for financial decision-making in their adult lives.
Listen to Spencer McGowan from The McGowan Group talk about this as a guest on Newsradio 600 WREC broadcasting via Fox News Radio.
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✔ Spencer McGowan Social Media
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➤ https://themcgowangroup.com
✔ 600 WREC Social Media
➤ https://kogo.iheart.com
➤ https://facebook.com/kogoradio
Students will be required to take and pass this class in order to graduate, with the hopes of better preparing students for financial decision-making in their adult lives.
Listen to Spencer McGowan from The McGowan Group talk about this as a guest on Newsradio 600 WMT broadcasting via Fox News Radio.
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✔ Spencer McGowan Social Media
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➤ https://themcgowangroup.com
✔ 600 WMT Social Media
➤ https://600wmtradio.iheart.com
➤https://facebook.com/600wmt
Students will be required to take and pass this class in order to graduate, with the hopes of better preparing students for financial decision-making in their adult lives.
Listen to Spencer McGowan from The McGowan Group talk about this as a guest on Newsradio 600 KOGO broadcasting via Fox News Radio.
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✔ Spencer McGowan Social Media
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➤ https://themcgowangroup.com
✔ 600 KOGO Social Media
➤ https://kogo.iheart.com
➤ https://facebook.com/kogoradio
The two largest milk companies in the U.S. have declared bankruptcy within 60 days of each other.
Listen to Spencer McGowan from The McGowan Group talk about this as a guest on Newsradio 740 KTRH broadcasting in Houston, Texas.
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✔ Spencer McGowan Social Media
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➤ https://themcgowangroup.com
✔ 740 KTRH Social Media
➤ https://ktrh.iheart.com
➤ https://facebook.com/ktrhnews
Stocks around the world closed out one of their best years over the past decade, defying money managers who began 2019 expecting the bull market to be upended by threats from the U.S.-China trade fight and a slowdown in growth.
Listen to Spencer McGowan from The McGowan Group talk about this as a guest on Newsradio 1480 WHBC broadcasting in Canton, Ohio.
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✔ Spencer McGowan Social Media
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➤ https://themcgowangroup.com
✔ 1480 WHBC Social Media
➤ https://www.whbc.com
➤ https://facebook.com/1480whbc
Millennials, according to a recent study, get sick more often than older generations and end up spending more on healthcare.
Listen to Spencer McGowan from The McGowan Group talk about this as a guest on Newsradio 570 WWNC via Fox News Radio.
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✔ Spencer McGowan Social Media
➤ https://www.facebook.com/TheMcGowanGroup
➤ https://themcgowangroup.com
✔ 570 WWNC Social Media
➤ https://wwnc.iheart.com
➤ https://facebook.com/570wwnc
Millennials, according to a recent study, get sick more often than older generations and end up spending more on healthcare.
Listen to Spencer McGowan from The McGowan Group talk about this as a guest on Newsradio 1290 WTKS via Fox News Radio.
Connect with Spencer McGowan
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✔ Spencer McGowan Social Media
➤ https://www.facebook.com/TheMcGowanGroup
➤ https://themcgowangroup.com
✔1290 WTKS Social Media
➤ https://newsradio1290wtks.iheart.com
➤ https://twitter.com/newsradiosav
Millennials, according to a recent study, get sick more often than older generations and end up spending more on healthcare.
Listen to Spencer McGowan from The McGowan Group talk about this as a guest on Newsradio 600 WREC via Fox News Radio.
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✔ Spencer McGowan Social Media
➤ https://www.facebook.com/TheMcGowanGroup
➤ https://themcgowangroup.com
✔ 600 WREC Social Media
➤ https://600wrec.iheart.com
➤ https://facebook.com/600wrec
Millennials, according to a recent study, get sick more often than older generations and end up spending more on healthcare.
Listen to Spencer McGowan from The McGowan Group talk about this as a guest on Newsradio 96.5 KPEL via Fox News Radio.
Connect with Spencer McGowan
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✔ Spencer McGowan Social Media
➤ https://www.facebook.com/TheMcGowanGroup
➤ https://themcgowangroup.com
✔ 96.5 KPEL Social Media
➤ https://kpel965.com
➤ https://facebook.com/kpel965
Millennials, according to a recent study, get sick more often than older generations and end up spending more on healthcare.
Listen to Spencer McGowan from The McGowan Group talk about this as a guest on Newsradio 600 KOGO via Fox News Radio.
Connect with Spencer McGowan
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✔ Spencer McGowan Social Media
➤ https://www.facebook.com/TheMcGowanGroup
➤ https://themcgowangroup.com
✔ 600 KOGO Social Media
➤ https://kogo.iheart.com
➤ https://facebook.com/kogoradio
U.S. stock index futures turned sharply higher Thursday morning after China said they had agreed to remove current trade tariffs.
Listen to Spencer McGowan from The McGowan Group talk about this as a guest on Newsradio 1040 WHO broadcasting in Des Moines, Iowa.
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✔ Spencer McGowan Social Media
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✔ 1040 WHO Social Media
➤ https://whoradio.iheart.com
➤ https://facebook.com/whoradio
Did you know that many people over the age of 55 are going bankrupt? One of the biggest reasons is the rising medical costs of aging.
Listen to Spencer McGowan from The McGowan Group talk about this as a guest on Newsradio 1530 KFBK broadcasting in Sacramento, California.
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✔ Spencer McGowan Social Media
➤ https://www.facebook.com/TheMcGowanGroup
➤ https://themcgowangroup.com
✔ 1530 KFBK Social Media
➤ https://kfbk.iheart.com
➤ https://facebook.com/newsradio1530
The jobless rate has hit a 50 year low and there are a lot of potential reasons why.
Listen to Spencer McGowan from The McGowan Group talk about this as a guest on Newsradio 1320 WILS via Fox News Radio.
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✔ Spencer McGowan Social Media
➤ https://www.facebook.com/TheMcGowanGroup
➤ https://themcgowangroup.com
✔ 1320 WILS Social Media
➤ https://1320wils.com
➤ https://twitter.com/1320wils
The jobless rate has hit a 50 year low and there are a lot of potential reasons why.
Listen to Spencer McGowan from The McGowan Group talk about this as a guest on Newsradio 1120 KPNW via Fox News Radio.
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✔ Spencer McGowan Social Media
➤ https://www.facebook.com/TheMcGowanGroup
➤ https://themcgowangroup.com
✔ 1120 KPNW Social Media
➤ http://kpnw.com
➤https://facebook.com/wakeupcall1120
The jobless rate has hit a 50 year low and there are a lot of potential reasons why.
Listen to Spencer McGowan from The McGowan Group talk about this as a guest on Newsradio 105.5 WERC via Fox News Radio.
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✔ Spencer McGowan Social Media
➤ https://www.facebook.com/TheMcGowanGroup
➤ https://themcgowangroup.com
✔ 105.5 WERC Social Media
➤ https://wercfm.iheart.com
➤ https://facebook.com/1055werc
The jobless rate has hit a 50 year low and there are a lot of potential reasons why.
Listen to Spencer McGowan from The McGowan Group talk about this as a guest on Newsradio 570 WWNC via Fox News Radio.
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✔ Spencer McGowan Social Media
➤ https://www.facebook.com/TheMcGowanGroup
➤ https://themcgowangroup.com
✔ 570 WWNC Social Media
➤ https://wwnc.iheart.com
➤ https://facebook.com/570wwnc
The jobless rate has hit a 50 year low and there are a lot of potential reasons why.
Listen to Spencer McGowan from The McGowan Group talk about this as a guest on Newsradio 600 WMT via Fox News Radio.
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✔ Spencer McGowan Social Media
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✔ 600 WMT Social Media
➤ https://600wmtradio.iheart.com
➤https://facebook.com/600wmt
The jobless rate has hit a 50 year low and there are a lot of potential reasons why.
Listen to Spencer McGowan from The McGowan Group talk about this as a guest on Newsradio 600 WREC via Fox News Radio.
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✔ Spencer McGowan Social Media
➤ https://www.facebook.com/TheMcGowanGroup
➤ https://themcgowangroup.com
✔ 600 WREC Social Media
➤ https://600wrec.iheart.com
➤ https://facebook.com/600wrec
The jobless rate has hit a 50 year low and there are a lot of potential reasons why.
Listen to Spencer McGowan from The McGowan Group talk about this as a guest on Newsradio 1290 WTKS via Fox News Radio.
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✔ Spencer McGowan Social Media
➤ https://www.facebook.com/TheMcGowanGroup
➤ https://themcgowangroup.com
✔1290 WTKS Social Media
➤ https://newsradio1290wtks.iheart.com
➤ https://twitter.com/newsradiosav
The jobless rate has hit a 50 year low and there are a lot of potential reasons why.
Listen to Spencer McGowan from The McGowan Group talk about this as a guest on Newsradio 1480 WHBC via Fox News Radio.
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✔ Spencer McGowan Social Media
➤ https://www.facebook.com/TheMcGowanGroup
➤ https://themcgowangroup.com
✔ 1480 WHBC Social Media
➤ https://www.whbc.com
➤ https://facebook.com/1480whbc
More and more people are starting to believe in the powers of crystals but are they ethically mined?
Listen to Spencer McGowan from The McGowan Group talk about this as a guest on Newsradio 1530 KFBK broadcasting in Sacramento, California.
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✔ Spencer McGowan Social Media
➤ https://www.facebook.com/TheMcGowanGroup
➤ https://themcgowangroup.com
✔ 1530 KFBK Social Media
➤ https://kfbk.iheart.com
➤ https://facebook.com/newsradio1530
How has the recent rate cut affected our daily lives?
Listen to Spencer McGowan from The McGowan Group talk about this as a guest on Newsradio 1530 KFBK broadcasting in Sacramento, California.
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✔ Spencer McGowan Social Media
➤ https://www.facebook.com/TheMcGowanGroup
➤ https://themcgowangroup.com
✔ 1530 KFBK Social Media
➤ https://kfbk.iheart.com
➤ https://facebook.com/newsradio1530
Even though there has been more than a decade of economic growth, Americans are slowing the pace at which they form new companies.
Listen to Spencer McGowan from The McGowan Group talk about this as a guest on the Steve Gruber Show syndicated on 25 radio stations across Michigan.
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✔ Spencer McGowan Social Media
➤ https://www.facebook.com/TheMcGowanGroup
➤ https://themcgowangroup.com
✔ Steve Gruber Show Social Media
➤ https://stevegruber.com
➤ https://facebook.com/stevegrubershow
There are several places to comfortably retire for just $30,000 if you know where to look.
Listen to Spencer McGowan from The McGowan Group talk about this as a guest on 1480 WHBC via Fox News Radio.
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✔ Spencer McGowan Social Media
➤ https://www.facebook.com/TheMcGowanGroup
➤ https://themcgowangroup.com
✔ 1480 WHBC Social Media
➤ https://www.whbc.com
➤ https://www.facebook.com/1480whbc
There are several places to comfortably retire for just $30,000 if you know where to look.
Listen to Spencer McGowan from The McGowan Group talk about this as a guest on 1120 KPKNW via Fox News Radio.
Connect with Spencer McGowan
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✔ Spencer McGowan Social Media
➤ https://www.facebook.com/TheMcGowanGroup
➤ https://themcgowangroup.com
✔ 1120 KPNW Social Media
➤ http://www.kpnw.com
➤https://www.facebook.com/wakeupcall1120
There are several places to comfortably retire for just $30,000 if you know where to look.
Listen to Spencer McGowan from The McGowan Group talk about this as a guest on 1040 WHO via Fox News Radio.
Connect with Spencer McGowan
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✔ Spencer McGowan Social Media
➤ https://www.facebook.com/TheMcGowanGroup
➤ https://themcgowangroup.com
✔ 1040 WHO Social Media
➤ https://whoradio.iheart.com
➤ https://www.facebook.com/whoradio
There are several places to comfortably retire for just $30,000 if you know where to look.
Listen to Spencer McGowan from The McGowan Group talk about this as a guest on 1290 WTKS via Fox News Radio.
Connect with Spencer McGowan
👇
✔ Spencer McGowan Social Media
➤ https://www.facebook.com/TheMcGowanGroup
➤ https://themcgowangroup.com
✔1290 WTKS Social Media
➤ https://newsradio1290wtks.iheart.com
➤ https://twitter.com/newsradiosav
There are several places to comfortably retire for just $30,000 if you know where to look.
Listen to Spencer McGowan from The McGowan Group talk about this as a guest on 600 WREC via Fox News Radio.
Connect with Spencer McGowan
👇
✔ Spencer McGowan Social Media
➤ https://www.facebook.com/TheMcGowanGroup
➤ https://themcgowangroup.com
✔ 600 WREC Social Media
➤ https://600wrec.iheart.com
➤ https://www.facebook.com/600wrec
There are several places to comfortably retire for just $30,000 if you know where to look.
Listen to Spencer McGowan from The McGowan Group talk about this as a guest on 950 WIBX via Fox News Radio.
Connect with Spencer McGowan
👇
✔ Spencer McGowan Social Media
➤ https://www.facebook.com/TheMcGowanGroup
➤ https://themcgowangroup.com
✔ 950 WIBX Social Media
➤ https://wibx950.com
➤ https://www.facebook.com/wibx950am
There are several places to comfortably retire for just $30,000 if you know where to look.
Listen to Spencer McGowan from The McGowan Group talk about this as a guest on 600 WMT via Fox News Radio.
Connect with Spencer McGowan
👇
✔ Spencer McGowan Social Media
➤ https://www.facebook.com/TheMcGowanGroup
➤ https://themcgowangroup.com
✔ 600 WMT Social Media
➤ https://600wmtradio.iheart.com
➤https://www.facebook.com/600wmt
There are several places to comfortably retire for just $30,000 if you know where to look.
Listen to Spencer McGowan from The McGowan Group talk about this as a guest on 710 KURV via Fox News Radio.
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👇
✔ Spencer McGowan Social Media
➤ https://www.facebook.com/TheMcGowanGroup
➤ https://themcgowangroup.com
✔ 710 KURV Social Media
➤ http://www.kurv.com
➤ https://www.facebook.com/710kurv
There are several places to comfortably retire for just $30,000 if you know where to look.
Listen to Spencer McGowan from The McGowan Group talk about this as a guest on 1320 WJAS via Fox News Radio.
Connect with Spencer McGowan
👇
✔ Spencer McGowan Social Media
➤ https://www.facebook.com/TheMcGowanGroup
➤ https://themcgowangroup.com
✔ 1320 WJAS Social Media
➤ https://1320wjas.com
➤ https://www.facebook.com/1320wjas
Spencer McGowan joins the Jim Bohannon Show to discuss the economy and what is considered the most hated bull market in history.
Meet Mr. McGowan:
https://themcgowangroup.com
Spencer McGowan joins the Jim Bohannon Show to discuss the economy and what is considered the most hated bull market in history.
Meet Mr. McGowan:
https://themcgowangroup.com
Spencer McGowan joins 600 WREC in Memphis, TN to discuss a story on millennials still leaning on their parents for money despite wanting financial independence.
Meet Mr. McGowan:
https://themcgowangroup.com
Spencer McGowan joins 950 WIBX in Utica, New York to discuss a story on millennials still leaning on their parents for money despite wanting financial independence.
Meet Mr. McGowan:
https://themcgowangroup.com
Financial expert Spencer McGowan joins 740 KTRH in Houstin, Texas to share his thoughts on debt collectors now using text messages and emails.
Meet Mr. McGowan:
https://themcgowangroup.com
President and Senior portfolio manager, Spencer McGowan, joins 600 WREC in Memphis, Tennessee to share his insight into the financial burden of student loan debt and explains ways to counter this growing issue.
Meet Mr. McGowan:
themcgowangroup.com
President and Senior portfolio manager, Spencer McGowan, joins 950 WIBX in Utica, New York to share his insight into the financial burden of student loan debt and explains ways to counter this growing issue.
Meet Mr. McGowan:
themcgowangroup.com
President and Senior portfolio manager, Spencer McGowan, joins 95.3 WFRK in Florence, South Carolina to share his insight into the financial burden of student loan debt and explains ways to counter this growing issue.
Meet Mr. McGowan:
themcgowangroup.com
President and Senior portfolio manager, Spencer McGowan, joins 1310 WIBA in Madison, Wisconsin to share his insight into the financial burden of student loan debt and explains ways to counter this growing issue.
Meet Mr. McGowan:
themcgowangroup.com
President and Senior portfolio manager, Spencer McGowan, joins 1480 WHBC in Canton, Ohio to share his insight into the financial burden of student loan debt and explains ways to counter this growing issue.
Meet Mr. McGowan:
themcgowangroup.com
President Spencer McGowan joins 600 KOGO in San Diego, California to discuss the potential retirement crisis in America. The median household savings in the U.S. is only $12,000. So what are people going to do?
Meet Mr. McGowan:
themcgowangroup.com
President Spencer McGowan joins 600 KOGO in San Diego, California to discuss the potential retirement crisis.
Meet Mr. McGowan:
themcgowangroup.com
Spencer McGowan is LIVE on 740 KTRH in Houston, Texas discussing the possibility of the United States soon becoming the leader in crude production.
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themcgowangroup.com
Spencer McGowan LIVE on WHO radio in Des Moines, IA discussing the lack of pay raises this year and what people can do to try and receive a salary bump.
Meet Mr. McGowan:
themcgowangroup.com/
Spencer McGowan LIVE on AM600 KOGO radio in San Diego, California discussing the lack of pay raises this year and what people can do to try and receive a salary bump.
Meet Mr. McGowan:
themcgowangroup.com/
Spencer McGowan LIVE on WIBA radio in Madison, Wisconsin discussing the lack of pay raises this year and what people can do to try and receive a salary bump.
Meet Mr. McGowan:
themcgowangroup.com/
Spencer McGowan LIVE on WHBC radio in Memphis, Tennessee discussing the lack of pay raises this year and what people can do to try and receive a salary bump.
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Spencer McGowan LIVE on WHBC radio in Canton, Ohio discussing the lack of pay raises this year and what people can do to try and receive a salary bump.
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Spencer McGowan LIVE on WHO radio discussing the current state of student loan debt among millennials and how it is affecting their everyday lives.
Spencer McGowan joins KPNW radio to discuss the student debt crisis surrounding the millennial generation.
Spencer McGowan joins WJAS to speak about growing student loan debt and how it is affecting millennials.
Spencer McGowan, CIMA
McGowan Group Asset Management, Inc.
President & Senior Portfolio Manager
Meet Spencer:
https://themcgowangroup.com/meet-the-team/spencer-mcgowan/
Spencer McGowan, CIMA
McGowan Group Asset Management, Inc.
President & Senior Portfolio Manager
Meet Spencer:
https://themcgowangroup.com/meet-the-team/spencer-mcgowan/
Financial Analyst Spencer McGowan discusses the 'October Effect', referring to historical market crashes that occurred in October.