Macro Economics Overview

Attention has shifted from inflation to recession as housing, wages, interest rates, commodities, and consumer expenditures have all receded from their highs, an indication to economists that an economic slowdown or recession may be evolving. Numerous countries worldwide are restricting …

Rates Held Steady In May – Fixed Income Review

Short-term and long-term Treasury bond yields fell moderately in late May, known as a shift down in the yield curve. Such a dynamic may be representative of interest rates beginning to level off after a rapid rise over the past …

Earnings Come Into Focus – Domestic Equity Update

The Wilshire 5000 Total Market Index, which includes every publicly traded U.S. company, has lost roughly $10 trillion in value since the beginning of the year, down from $53 trillion. Equities currently account for about 33% of household wealth. Some …

Credit Usage Heading Higher – Consumer Credit

As pandemic assistance funds vanish, consumers are turning to savings and credit to pay for essentials. With many consumers having exhausted their cash reserves, credit becomes an option. Consumers have been tapping into savings accumulated from pandemic stimulus funds in …

What’s Risen The Most – Tracking Inflation

Energy and fuel were among the top contributors to inflation this past year, with used cars, electricity, and food all enhancing the tensions surrounding inflation. Transportation costs have become a growing contributor to inflation, as the vast majority of food, …

Gasoline Prices Expected To Head Higher This Summer

Various factors are contributing to sustained high gas prices, which are expected to add to price pressures heading into the summer months. Traditionally, gasoline prices move higher as vacation travelers hit the road during the summer months. Transportation companies, railroads, …

Macro Economic Overview – June 2022

There’s a growing consensus among various economists and market analysts that inflation could force consumers to cut back on spending to the extent that a recession materializes. Consumer expenditures have an enormous impact on economic activity, representing 70% of the …

Those 55 & Older Are Going Back To Work

Rising inflation along with no new pandemic relief funds are prompting many aged 55 and older to return to work. Labor Department data shows that the participation rate for those above 55 years old has been rising over the past …

Wage Increases Can’t Keep Up With Inflation

The most recent wage data released by the Labor Department showed a 5.7% increase in wages for the past year, yet still below the current inflation annualizing 7.5%. With inflation outpacing wage growth, workers and consumers alike are experiencing shrinking …

Disposable Income For Consumers Dropping

As Inflationary pressures tend to drive the price of essential goods higher and faster than non-essential goods, consumers are sometimes left with minimal funds to purchase what they desire. The rapidly rising costs of gasoline, natural gas, and groceries have …

Rates Rise As The Fed Tightens – Fixed Income Update

Global bond yields rose in April, with both government and corporate bond yields rising across various international regions. Numerous analysts believe that the Fed may be raising rates too fast in response to inflation data that may have caught the …

Tax On Social Security In Retirement

A prudent and effective tax strategy during your employment years will most likely need to be modified in retirement. Once earned income ceases and income from retirement plans, investments, and Social Security commences, tax liabilities change. The impact of the …