let's turn to laura martin at least we can say it's sort of priced in, right what do you think?n the ad business is getting into the ad business which is $600 million globally and apple no exception and netflix getting into this business also. >> i struggle with this whole concept. it does feel a little unfair to me that all of the apps that made their phone a success, they sort of kick them in the back and say forget it, we're going to not let you guys do this tracking and at some point it sounds like eventually they'll do it themselves >> yes so i think one of the unintended consequences of more government regulation is that it help his the incumbents so there's a huge eu push right now about privacy and about letting consumers decide whether they want to be tracked off of websites to other websites so guess who has the most benefit from that? anybody with first-party data. apple, for example, has a billion unique users with a billion eight screens and guess what that's all first-party data so they're all privacy protected and anything on the facebook or youtube or google sear

laura martin says advertising could be the next big revenue stream what kind of upside she sees ahead. and bob pisani at the new york stock exchange bob? >> hello, jon. we are trying to establish a higher trading range for the s&p and nasdaq a struggle today, but 4150 to 4200 looked like where we were headed same with a nasdaq d dow's not quite breaking out some sectors are out of favor. what's in favor? technology really for the last month or so. ark's been on a tear flattish today banks have been flattish consumer staples, a little out of favor and energy is really out of favor we were about $90 on oil yesterday. we're 87 and change now. some of these big names are just getting clobbered today. oil topped out in early june and really things have changed significantly since then so the s&p is up fractionally. maybe 2% since oil topped out in early june let me just show you that. technology is up 5 or 6% since early june and energy's down 17%. so the market wants growth it wants more technology and less to do with value and energy one of the problems is oil company profits are expecte

laura martin, thank you. >>> a good july, but tech stocks having a tough you're you already know retail invest is feeling a bit confident ramping up inve investments. purse of basket popular tech names including faang hitting highest level since at least 2014 joining us this morning author of that piece. cnbc manager of the "journal." great insight this morning about that even the way in which investors are piling into leveraged etfs fascinating, too >> it's a really interesting moment for tech in particular, and what we're seeing is that individual investors, many are doubling down on the sector, despite the volatility seen. tech has been at the center of the market mayhem this year, and many individual investors i spoke with said, i'm holding on to these stocks, and as you pointed out, a lot are also turning to these leveraged funds, which are incredibly risky, to play these crazy swings in the sector it's really wild to think that funds like teachable q, sqqq, two leveraged etf tied to the nasdaq are third and fourth most popular etfs for individual investors to buy this year. >> is

and a final question for laura, from martin, with direct debit payments, why do companies let creditrefund you? whenever you pay by direct debit, it pays off what you all but it alsol will go towards your next instalment and your next bill as well, _ so you can get in touch - with your energy company, if you are worried you are paying more than you should be, - you can negotiate with them around ithat, and you can ask at any time i for that credit back, _ so i would encourage anybody, we should all be talking to our energy suppliersl because we can negotiate these i things with them and we can make sure we are on payment plans that we can afford as well- because the energy companies - have an obligation to us to support as to an extent through that and they will know - what help is available. keep talking to your energy supplier. - do you have any top tips for people are a couple of thoughts? go to our website and find out what more you can do - immediately to cut your bills. we have lots of tips and do think longer term as well, _ think about how you can invest in insulation and to

and a final question for laura, from martin, _ here? your next bill— will go towards your next instalment and your next bill as _ will go towards your next instalment and your next bill as well, _ will go towards your next instalment and your next bill as well, so - will go towards your next instalment and your next bill as well, so you i and your next bill as well, so you can get— and your next bill as well, so you can get in— and your next bill as well, so you can get in touch _ and your next bill as well, so you can get in touch with _ and your next bill as well, so you can get in touch with your - and your next bill as well, so you can get in touch with your energy company, — can get in touch with your energy company, if_ can get in touch with your energy company, if you— can get in touch with your energy company, if you are _ can get in touch with your energy company, if you are worried - can get in touch with your energy company, if you are worried you i can get in touch with your energy. company, if you are worried you are paying

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