BOSS Money App Helps Users Avoid New Tax on Transfers
- New Tax Impact: A new federal excise tax on international cash remittances took effect on January 1, 2026, imposing a 1% fee on transfer amounts, which will significantly burden millions of U.S. consumers relying on remittances to support family abroad.
- Digital Transfer Advantage: The BOSS Money app enables users to send money via debit cards or bank accounts, thus avoiding the new tax, providing a cost-effective remittance solution that helps users save money and improve cash flow.
- Enhanced User Experience: BOSS Money features low rates, transparent pricing, and secure technology, supporting fast transfers to over 50 countries, real-time tracking, and multiple payout options, which boosts user trust and satisfaction.
- Market Recognition: BOSS Money has received over 110,000 five-star reviews on Google Play and the Apple App Store, and was named the top-rated money transfer app by FXC Intelligence in 2025, showcasing its strong competitive position and user base in the market.
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- New Tax Impact: A new federal excise tax on international cash remittances took effect on January 1, 2026, imposing a 1% fee on transfer amounts, which will significantly burden millions of U.S. consumers relying on remittances to support family abroad.
- Digital Transfer Advantage: The BOSS Money app enables users to send money via debit cards or bank accounts, thus avoiding the new tax, providing a cost-effective remittance solution that helps users save money and improve cash flow.
- Enhanced User Experience: BOSS Money features low rates, transparent pricing, and secure technology, supporting fast transfers to over 50 countries, real-time tracking, and multiple payout options, which boosts user trust and satisfaction.
- Market Recognition: BOSS Money has received over 110,000 five-star reviews on Google Play and the Apple App Store, and was named the top-rated money transfer app by FXC Intelligence in 2025, showcasing its strong competitive position and user base in the market.
- Same-Store Sales Growth: January 2026 same-store sales increased by 5.8% year-over-year, up from 4.5% in December 2025, indicating a continued recovery in consumer spending, despite a sequential decline of 6.6%, the overall trend remains positive.
- Units Sold Performance: Units sold rose by 2.9% year-over-year, although there was a 2.2% decrease compared to December 2025, reflecting stable demand for products from independent retailers and indicating ongoing market potential.
- Basket Transaction Changes: Baskets per store increased by 0.3% year-over-year but fell by 4.6% month-over-month, highlighting shifts in consumer shopping habits post-holiday, prompting retailers to adjust strategies to manage seasonal fluctuations.
- Price Trends: The average price for the top 500 best-selling items rose by 1.2% year-over-year in January 2026, down from 2.3% in December 2025, suggesting a moderation in inflationary pressures, potentially providing consumers with greater spending capacity.

- Same-Store Sales Growth: December 2025 same-store sales increased by 4.5% year-over-year, up from 3.8% in November, indicating a rebound in consumer spending that enhances the company's competitive position in the retail market.
- Unit Sales Increase: Units sold rose by 1.7% year-over-year, although there was a slight decline compared to November, the overall sales growth suggests sustained market demand, particularly in the convenience goods sector.
- Transaction Volume Changes: Baskets per store decreased by 0.5% year-over-year, reflecting consumer caution in shopping frequency, which may impact future sales strategies and promotional activities.
- Price Increase Trend: The dollar-weighted average price for the top 500 items rose by 2.3% year-over-year in December, and while inflationary pressures eased, the price increases could still affect consumer purchasing decisions.

Amdocs Ltd Rating Update: Amdocs Ltd (DOX) received a rating upgrade from 0% to 80% based on its strong fundamentals and valuation, indicating significant interest from the Earnings Yield Investor model based on Joel Greenblatt's strategy.
IDT Corp Rating Update: IDT Corp (IDT) saw its rating increase from 80% to 90%, reflecting improved fundamentals and valuation, which suggests strong interest according to the same investment strategy.
Company Profiles: Amdocs provides software and services to communications and media companies, utilizing advanced technologies like AI and cloud computing, while IDT offers fintech and communication solutions, including payment processing and cloud services.
About Joel Greenblatt and Validea: Joel Greenblatt is known for his "Magic Formula" investment strategy, which has historically outperformed the market, and Validea is an investment research service that analyzes stocks based on the strategies of successful investors.

Upcoming Ex-Dividend Dates: Motorola Solutions Inc (MSI), Iridium Communications Inc (IRDM), and IDT Corp (IDT) will trade ex-dividend on 12/15/25, 12/31/25, and 12/23/25 respectively, with dividends of $1.21, $0.15, and $0.06.
Expected Price Adjustments: Following the ex-dividend dates, shares of MSI, IRDM, and IDT are expected to open lower by approximately 0.33%, 0.80%, and 0.12% respectively.
Dividend Yields: The estimated annualized dividend yields are 1.31% for MSI, 3.18% for IRDM, and 0.48% for IDT, indicating varying levels of return for investors.
Current Trading Performance: As of Thursday trading, MSI shares are down 0.2%, while IRDM and IDT shares have increased by 6.2% and 2.7% respectively.

- Sales Growth: In November 2025, NRS reported a 3.8% year-over-year increase in same-store sales, although it decreased by 0.7% compared to October, indicating market volatility and consumer spending resilience.
- Transaction Volume Increase: The NRS platform processed approximately $2.07 billion in sales in November, a 14% year-over-year increase, demonstrating the continued strong performance of independent retailers in key convenience categories.
- Unit Sales Fluctuation: Units sold increased by 0.9% year-over-year but decreased by 0.9% compared to October, reflecting changes in consumer purchasing behavior and heightened market competition.
- Price Inflation: The average price of the top 500 items rose by 3.1% year-over-year in November, slightly up from 3.0% in October, indicating ongoing inflationary pressures that may influence consumer purchasing decisions.




