Breaking Down Trash – Environmental Facts

As an abundance of trash is generated every day, more of an effort is being made to collect and recycle as much trash as possible. Several nations worldwide have had growing success in collecting and recycling their trash over the …

Consumers Are Saving Less

According to the Bureau of Economic Analysis, data has revealed that Americans are saving less than initially thought. From 2017 through 2022, American consumers were thought to have saved an average of 9.4% of their disposable income. However, revised data …

Macro Overview – October 2023

A federal government shutdown was averted on September 30th, when Congress voted to fund government operations until mid-November. Volatility in the financial markets increased during September, as uncertainty surrounding a resolution persisted. The possibility of a shutdown will evolve again …

Macro Overview – September 2023

Congress is spending the bulk of September deliberating over the Federal Budget for fiscal year 2024 as a looming deadline on September 30th approaches. Should an agreement not be reached, then a government shutdown could occur. The $6.9 trillion proposed …

New Mortgage Rules To Accommodate Lower Credit Scores

New mortgage rules are attempting to make homes more accessible to homebuyers with low credit scores by lowering the fees for low-credit buyers while, in some cases, raising the fees for high-credit buyers. This new fee restructuring revolves around what …

Pullback In August Affects Equity Indices

Domestic stocks experienced a retraction in August as future earnings came into focus along with lingering inflationary pressures on company expenses. The S&P 500 fell -1.6%, culminating in the second monthly decline so far in 2023. The Dow Jones Industrial …

Producer Prices Heading Lower, What It Means

The Producer Price Index (PPI) measures the selling prices domestic companies receive when purchasing everything from raw materials to products themselves. Similar to how the Consumer Price Index (CPI) tracks prices consumers pay for goods, the PPI tracks prices that …

Delinquency Rates On The Rise – Consumer Finance

A survey released by the Federal Reserve Bank of Dallas found that overall credit and lending activity is deteriorating nationwide. The survey encompasses loan activity among larger banks, regional banks, finance companies, and various lenders. The primary concern of this …

Macro Overview / September 2023

Congress is spending the bulk of September deliberating over the Federal Budget for fiscal year 2024 as a looming deadline on September 30th approaches. Should an agreement not be reached, then a government shutdown could occur. The $6.9 trillion proposed …

Inflation In Europe Calms – International Economic Focus

Demand for products and services can vary from country to country as consumers have different choices on what they purchase. Supply constraints, transportation costs, and currency exchange rates can also affect prices among various countries and regions. The European Union …

Fixed Income Overview

Government and corporate bond yields saw a slight increase in July as the Fed raised short-term rates and increased government debt levels. Shorter-term bond yields remained higher than longer-term bond yields at the end of July, also known as an …

Equity Overview

U.S. equity markets advanced in July as positive earnings momentum and some optimistic economic news helped propel the market. The Dow Jones Industrial Index, the S&P 500, and the Nasdaq all saw increases in July as well as posting positive …

Innovations Attempt to Renew Diminishing Global Water Supply

With the global population continuously rising, and water demand greatly outweighing supply, the global water supply has decreased dramatically. However, water treatment innovations may be a growing field that attempts to combat the world’s water crisis by making fresh water …

Business Bankruptcy Filings Increasing

An indication of where the economy might be headed is business bankruptcy filings. Small and large businesses tend to react to economic changes via their business activity and financial conditions. Despite both 2021 and 2022 having far fewer bankruptcies than …