Economic Update for the week of January 26th, 2016

WEEKLY ECONOMIC UPDATE
WEEKLY QUOTE                “Always be nice to people on the way up, because you’ll meet the same people on the way down.”       - Wilson Mizner            WEEKLY TIP               If you are in your forties and behind on your retirement planning, resist the temptation to direct more money into your child’s college fund than your retirement accounts.           WEEKLY RIDDLE              The more of them you will have, the longer you will live – but as you have more and more of them, the less you have left. What are they?     Last week’s riddle: I weigh nothing, but you can see me. Put me in a box, and the box will become lighter. What am I?       Last week’s answer: A hole.	January 26, 2016     OIL REBOUND DRIVES STOCKS HIGHER Thanks to frosty weather hitting the Northeast and a round of short covering, WTI crude settled at $32.19 on the NYMEX Friday – up 9% for the day and 9.4% for the week. Oil’s surge (and hopes of quantitative easing overseas) bolstered stocks: across four days, the Dow gained 0.66% to 16,093.51, the S&P 500 1.41% to 1,906.90, and the Nasdaq 2.29% to 4,591.18.1     EXISTING HOME SALES PACE IMPROVES 14.7% This December jump in resales was partly due to November transactions being delayed by new closing rules. Regardless, 2015 was a good year for homebuying – existing home sales rose 7.7%, according to the National Association of Realtors.2    WEAK ENERGY PRICES HELP TO CURB INFLATION Falling oil prices, rents, and food costs factored into the 0.1% December retreat of the Consumer Price Index (the core CPI rose 0.1%). The headline CPI advanced 0.7% in 2015 – the smallest annual increase in the past 50 years.3        BUILDER ACTIVITY TAILS OFF IN DECEMBER The Census Bureau reported a 3.9% dip in building permits in December. Housing starts also declined 2.5% last month, but they were up 10.3% year-over-year.3       THIS WEEK: Monday, investors review earnings from Amgen, D.R. Horton, Halliburton, Kimberly-Clark, and McDonald’s. On Tuesday, a new Conference Board consumer confidence index arrives, plus the November S&P/Case-Shiller home price index and earnings from 3M, Apple, AT&T, Capital One, Chubb, Coach, Corning, Freeport-McMoRan, Grainger, Parker-Hannifin, Procter & Gamble, and U.S. Steel. December new home sales numbers and a Federal Reserve policy statement appear Wednesday, along with earnings from Ameriprise Financial, Anthem, Biogen, Boeing, Broadcom, Citrix, Dolby Labs, Discover, eBay, Facebook, General Dynamics, Hanesbrands, Norfolk Southern, PayPal, Qualcomm, SanDisk, Texas Instruments, and United Rentals. Thursday brings data on pending home sales and hard goods orders, initial claims numbers, and earnings from Abbott Labs, Airgas, Alibaba, Altria, Amazon, Bristol-Myers Squibb, Caterpillar, Celgene, Electronic Arts, Eli Lilly, Ford Motor Co., Harley-Davidson, JetBlue, Microsoft, Northrup Grumman, PulteGroup, Raytheon, Sherwin-Williams, Time Warner Cable, Under Armour, Stanley Black & Decker, Valero Energy, VISA, and Western Digital. The first estimate of Q4 GDP appears Friday, plus the University of Michigan’s final January consumer sentiment index and earnings from American Airlines, Chevron, Colgate-Palmolive, Honeywell International, MasterCard, Phillips 66, Praxair, Whirlpool, and Xerox.    % CHANGE Y-T-D 1-YR CHG 5-YR AVG 10-YR AVG DJIA -7.64 -9.66 +7.11 +5.09 NASDAQ -8.31 -3.35 +14.14 +10.43 S&P 500 -6.70 -7.57 +9.72 +5.12 REAL YIELD 1/22 RATE 1 YR AGO 5 YRS AGO 10 YRS AGO 10 YR TIPS 0.72% 0.29% 1.20% 1.94%   Sources: wsj.com, bigcharts.com, treasury.gov - 1/22/164,5,6,7 Indices are unmanaged, do not incur fees or expenses, and cannot be invested into directly. These returns do not include dividends. 10-year TIPS real yield = projected return at maturity given expected inflation.
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«RepresentativeDisclosure»   This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment. The Dow Jones Industrial Average is a price-weighted index of 30 actively traded blue-chip stocks. The NASDAQ Composite Index is an unmanaged, market-weighted index of all over-the-counter common stocks traded on the National Association of Securities Dealers Automated Quotation System. The Standard & Poor's 500 (S&P 500) is an unmanaged group of securities considered to be representative of the stock market in general. It is not possible to invest directly in an index. NYSE Group, Inc. (NYSE:NYX) operates two securities exchanges: the New York Stock Exchange (the “NYSE”) and NYSE Arca (formerly known as the Archipelago Exchange, or ArcaEx®, and the Pacific Exchange). NYSE Group is a leading provider of securities listing, trading and market data products and services. The New York Mercantile Exchange, Inc. (NYMEX) is the world's largest physical commodity futures exchange and the preeminent trading forum for energy and precious metals, with trading conducted through two divisions – the NYMEX Division, home to the energy, platinum, and palladium markets, and the COMEX Division, on which all other metals trade. Additional risks are associated with international investing, such as currency fluctuations, political and economic instability and differences in accounting standards. This material represents an assessment of the market environment at a specific point in time and is not intended to be a forecast of future events, or a guarantee of future results. Past performance is no guarantee of future results. Investments will fluctuate and when redeemed may be worth more or less than when originally invested. All economic and performance data is historical and not indicative of future results. Market indices discussed are unmanaged. Investors cannot invest in unmanaged indices. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional.   Citations. 1 - cnbc.com/2016/01/22/us-markets.html [1/22/16] 2 - consumeraffairs.com/news/existing-home-sales-soar-in-december-012216.html [1/22/16] 3 - reuters.com/article/us-usa-economy-inflation-idUSKCN0UY1LH [1/20/16] 4 - markets.wsj.com/us [1/22/16] 5 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=1%2F22%2F15&x=0&y=0 [1/22/16] 5 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=1%2F22%2F15&x=0&y=0 [1/22/16] 5 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=1%2F22%2F15&x=0&y=0 [1/22/16] 5 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=1%2F21%2F11&x=0&y=0 [1/22/16] 5 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=1%2F21%2F11&x=0&y=0 [1/22/16] 5 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=1%2F21%2F11&x=0&y=0 [1/22/16] 5 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=1%2F20%2F06&x=0&y=0 [1/22/16] 5 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=1%2F20%2F06&x=0&y=0 [1/22/16] 5 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=1%2F20%2F06&x=0&y=0 [1/22/16]              6 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyield [1/22/16] 7 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyieldAll [1/22/16]

Economic Update for the week of January 19th, 2016

WEEKLY ECONOMIC UPDATE
WEEKLY QUOTE                “I don't think success is harmful, as so many people say. Rather, I believe it indispensable to talent, if for nothing else than to increase the talent.”       - Jeanne Moreau            WEEKLY TIP               One way to save more for 2016: reduce or eliminate some of the automatic monthly charges on your bank and credit card statements (such as gym memberships, software fees, and subscriptions).           WEEKLY RIDDLE              I weigh nothing, but you can see me. Put me in a box, and the box will become lighter. What am I?     Last week’s riddle: A man and a woman wearing very expensive outfits manage, without using wheels or any form of assistance, to push a 6-ton object entirely through their own physical effort. Under what circumstances are they able to do this?       Last week’s answer: They are astronauts in outer space.	January 19, 2016     LIGHT SWEET CRUDE SETTLES AT $29.42 Oil closed at its lowest level in more than 12 years Friday, plummeting 11.3% for the trading week on the NYMEX. Two factors contributed greatly to the rout: the Energy Information Administration’s forecast of the global crude glut lasting well into 2017 and the imminent expiration of sanctions against Iran, which could mean greater crude exports from that country. The EIA forecast West Texas Intermediate crude prices to rise to the vicinity of $40 later this year.1,2     CONSUMER OPTIMISM REMAINS Rising to 93.3 from its final 2015 mark of 92.6, the University of Michigan’s initial January consumer sentiment index amounted to a pleasant surprise during a gloomy week. Another consumer indicator was less positive: the Commerce Department said that both headline and core retail sales dipped 0.1% in December.3    PRODUCER PRICE INDEX SLIPS 0.2% This statistic is only part of the story regarding wholesale inflation in December. Minus the volatile food and energy categories, producer prices rose 0.1% last month according to the Labor Department.3        WORRIES ABOUT OIL, CHINA IMPEDE STOCKS Another dip for Chinese equities and slumping oil prices led shares lower last week.  During January 11-15, the Dow lost 2.19%, the Nasdaq 3.34%, and the S&P 500 2.17%. At the close, the Dow stood at 15,988.15, the Nasdaq at 4,488.42, the S&P at 1,880.28. Even COMEX gold futures lost 0.7% for the week, settling Friday at $1,090.70.4,5       THIS WEEK: U.S. financial markets are closed Monday in observation of Martin Luther King, Jr. Day. Bank of America, Charles Schwab, Comerica, Delta Air Lines, eBay, IBM, Morgan Stanley, Nautilus, Netflix, and UnitedHealth Group announce earnings Tuesday, and China presents its Q4 and 2015 GDP readings. On Wednesday, investors consider the December CPI, December housing starts and building permits, and earnings from Briggs & Stratton, Brinker International, Goldman Sachs, Kinder Morgan, Northern Trust, and Raymond James. Thursday, earnings from Alaska Air Group, American Express, BoNY Mellon, BB&T, E*TRADE, Fifth Third, J.B. Hunt, Schlumberger, Starbucks, Southwest Airlines, Travelers, Union Pacific, and Verizon arrive along with the latest initial claims figures. Friday, NAR’s December existing home sales numbers and the latest Conference Board leading indicator index complement earnings from GE and SunTrust Banks.    % CHANGE Y-T-D 1-YR CHG 5-YR AVG 10-YR AVG DJIA -8.25 -7.69 +7.13 +4.59 NASDAQ -10.36 -1.80 +12.58 +9.37 S&P 500 -8.01 -5.64 +9.08 +4.60 REAL YIELD 1/15 RATE 1 YR AGO 5 YRS AGO 10 YRS AGO 10 YR TIPS 0.67% 0.23% 1.00% 1.97%   Sources: forexlive.com, bigcharts.com, treasury.gov - 1/15/164,6,7,8 Indices are unmanaged, do not incur fees or expenses, and cannot be invested into directly. These returns do not include dividends. 10-year TIPS real yield = projected return at maturity given expected inflation.
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«RepresentativeDisclosure»   This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment. The Dow Jones Industrial Average is a price-weighted index of 30 actively traded blue-chip stocks. The NASDAQ Composite Index is an unmanaged, market-weighted index of all over-the-counter common stocks traded on the National Association of Securities Dealers Automated Quotation System. The Standard & Poor's 500 (S&P 500) is an unmanaged group of securities considered to be representative of the stock market in general. It is not possible to invest directly in an index. NYSE Group, Inc. (NYSE:NYX) operates two securities exchanges: the New York Stock Exchange (the “NYSE”) and NYSE Arca (formerly known as the Archipelago Exchange, or ArcaEx®, and the Pacific Exchange). NYSE Group is a leading provider of securities listing, trading and market data products and services. The New York Mercantile Exchange, Inc. (NYMEX) is the world's largest physical commodity futures exchange and the preeminent trading forum for energy and precious metals, with trading conducted through two divisions – the NYMEX Division, home to the energy, platinum, and palladium markets, and the COMEX Division, on which all other metals trade. Additional risks are associated with international investing, such as currency fluctuations, political and economic instability and differences in accounting standards. This material represents an assessment of the market environment at a specific point in time and is not intended to be a forecast of future events, or a guarantee of future results. Past performance is no guarantee of future results. Investments will fluctuate and when redeemed may be worth more or less than when originally invested. All economic and performance data is historical and not indicative of future results. Market indices discussed are unmanaged. Investors cannot invest in unmanaged indices. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional.   Citations. 1 - marketwatch.com/story/oil-plunges-into-the-20s-a-barrel-on-iran-supply-woes-2016-01-15/ [1/15/16] 2 - reuters.com/article/us-eia-outlook-idUSKCN0UQ2BD20160112 [1/12/16] 3 - foxbusiness.com/markets/2016/01/15/stocks-nosedive-as-global-oil-prices-plunge.print.html [1/15/16] 4 - news.forexlive.com/!/us-stock-indices-end-the-day-down-but-off-lows-20160115 [1/15/16] 5 - marketwatch.com/story/gold-gains-for-the-session-but-falls-for-the-week-2016-01-15 [1/15/16] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=1%2F15%2F15&x=0&y=0 [1/15/16] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=1%2F15%2F15&x=0&y=0 [1/15/16] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=1%2F15%2F15&x=0&y=0 [1/15/16] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=1%2F14%2F11&x=0&y=0 [1/15/16] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=1%2F14%2F11&x=0&y=0 [1/15/16] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=1%2F14%2F11&x=0&y=0 [1/15/16] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=1%2F13%2F06&x=0&y=0 [1/15/16] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=1%2F13%2F06&x=0&y=0 [1/15/16] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=1%2F13%2F06&x=0&y=0 [1/15/16]               7 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyield [1/15/16] 8 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyieldAll [1/15/16]

Economic Update for the week of January 12th, 2016

WEEKLY ECONOMIC UPDATE
WEEKLY QUOTE                “No one is useless in this world who lightens the burdens of another.”       - Charles Dickens            WEEKLY TIP               Try to contribute the maximum amount to your IRA(s) as early as you can this year, rather than waiting until the April deadline. By doing so, you give those dollars a little more time to potentially grow and compound.           WEEKLY RIDDLE              A man and a woman wearing very expensive outfits manage, without using wheels or any form of assistance, to push a 6-ton object entirely through their own physical effort. Under what circumstances are they able to do this?     Last week’s riddle: There is an adjective. When you take away the whole from it, some still remains. What adjective is this?       Last week’s answer: Wholesome.	January 12, 2016     CAN STOCKS REGAIN THEIR FOOTING THIS WEEK? Investors hope so after a very rough start to 2016. Declining oil prices and disappointing manufacturing data in both the U.S. and China helped trigger a global selloff: the major equity indices in Europe and Asia fell between 5-9% last week with our benchmarks following suit. The Dow Jones Industrial Average lost 6.19% in five days to 16,346.45, paralleled by a 6.13% fall for the S&P 500 to 1,922.03 and a 7.27% descent for the Nasdaq Composite to 4,643.60. The week ended with the S&P 9.8% below its May 2015 peak, and with Wall Street hoping for some stability and a decent Q4 earnings season.1,2     292,000 NEW HIRES IN DECEMBER The Labor Department’s latest employment report affirmed the durability of the U.S. economy. Last month’s impressive payroll growth was complemented by upward revisions to hiring totals for October (307,000) and November (252,000). Economists surveyed by the Wall Street Journal had expected 210,000 new jobs in December. The U-3 and U-6 jobless rates remained at 5.0% and 9.9% last month. Year-over-year wage growth rose to 2.5%.3    FACTORY SECTOR CONTRACTS FOR ANOTHER MONTH In December, the Institute for Supply Management’s manufacturing PMI remained under 50, slipping 0.4 points lower to a reading of 48.2. ISM’s service sector PMI declined 0.6 points last month, but still showed strong sector growth at 55.3.4        GOLD PRICES CLIMB, OIL PRICES SLIDE Rallying in the flight to safety that occurred last week, COMEX gold settled Friday at 1,097.90. The yellow metal gained 3.6% in five trading days. NYMEX crude ended the week at its lowest close since 2005 – just $33.16, a price resulting from a 10.0% five-day decline.5       THIS WEEK: Earnings season starts Monday evening with Q4 results from Alcoa. Nothing major is slated for Tuesday. Wednesday, a new Federal Reserve Beige Book appears, plus Q4 results from SuperValu. Earnings from Intel, JPMorgan Chase, and Rocky Mountain Chocolate Factory arrive Thursday. Friday offers earnings from BlackRock, Citigroup, Fastenal, PNC Financial Services, Wells Fargo, Regions Financial, and U.S. Bancorp, the initial January University of Michigan household sentiment index, the December PPI, and reports on December industrial production and retail sales.    % CHANGE Y-T-D 1-YR CHG 5-YR AVG 10-YR AVG DJIA -6.19 -8.72 +8.00 +4.84 NASDAQ -7.27 -1.95 +14.36 +10.03 S&P 500 -6.13 -6.79 +10.23 +4.90 REAL YIELD 1/8 RATE 1 YR AGO 5 YRS AGO 10 YRS AGO 10 YR TIPS 0.65% 0.41% 0.98% 2.05%   Sources: investing.com, bigcharts.com, treasury.gov - 1/8/161,6,7,8 Indices are unmanaged, do not incur fees or expenses, and cannot be invested into directly. These returns do not include dividends. 10-year TIPS real yield = projected return at maturity given expected inflation.
Please feel free to forward this article to family, friends or colleagues. If you would like us to add them to our distribution list, please reply with their address. We will contact them first and request their permission to add them to our list.
«RepresentativeDisclosure»   This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment. The Dow Jones Industrial Average is a price-weighted index of 30 actively traded blue-chip stocks. The NASDAQ Composite Index is an unmanaged, market-weighted index of all over-the-counter common stocks traded on the National Association of Securities Dealers Automated Quotation System. The Standard & Poor's 500 (S&P 500) is an unmanaged group of securities considered to be representative of the stock market in general. It is not possible to invest directly in an index. NYSE Group, Inc. (NYSE:NYX) operates two securities exchanges: the New York Stock Exchange (the “NYSE”) and NYSE Arca (formerly known as the Archipelago Exchange, or ArcaEx®, and the Pacific Exchange). NYSE Group is a leading provider of securities listing, trading and market data products and services. The New York Mercantile Exchange, Inc. (NYMEX) is the world's largest physical commodity futures exchange and the preeminent trading forum for energy and precious metals, with trading conducted through two divisions – the NYMEX Division, home to the energy, platinum, and palladium markets, and the COMEX Division, on which all other metals trade. Additional risks are associated with international investing, such as currency fluctuations, political and economic instability and differences in accounting standards. This material represents an assessment of the market environment at a specific point in time and is not intended to be a forecast of future events, or a guarantee of future results. Past performance is no guarantee of future results. Investments will fluctuate and when redeemed may be worth more or less than when originally invested. All economic and performance data is historical and not indicative of future results. Market indices discussed are unmanaged. Investors cannot invest in unmanaged indices. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional.   Citations. 1 - investing.com/indices/major-indices [1/8/16] 2 - bloomberg.com/news/articles/2016-01-08/u-s-index-futures-signal-rebound-as-yuan-fixing-soothes-nerves [1/8/16] 3 - news.morningstar.com/all/dow-jones/us-markets/201601085057/us-job-market-closed-2016-on-strong-note.aspx [1/8/16] 4 - briefing.com/investor/calendars/economic/2016/01/04-08 [1/8/16] 5 - 247wallst.com/investing/2016/01/08/the-4-stocks-that-weighed-on-the-djia-friday-2/ [1/8/16] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=1%2F8%2F15&x=0&y=0 [1/8/16] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=1%2F8%2F15&x=0&y=0 [1/8/16] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=1%2F8%2F15&x=0&y=0 [1/8/16] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=1%2F7%2F11&x=0&y=0 [1/8/16] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=1%2F7%2F11&x=0&y=0 [1/8/16] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=1%2F7%2F11&x=0&y=0 [1/8/16] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=1%2F9%2F06&x=0&y=0 [1/8/16] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=1%2F9%2F06&x=0&y=0 [1/8/16] 6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=1%2F9%2F06&x=0&y=0 [1/8/16]  7 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyield [1/8/16] 8 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyieldAll [1/8/16]