Calculated Risk

FEBRUARY 28, 2024

This graph shows the Freddie multi-family serious delinquency rate since 2012. There ismore in the article.

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Wealth Management

MARCH 21, 2025

More than a decade after its 2012 launch, Citis experiment has ended with disappointed billionaires, a bitter legal battle and a lesson on the pitfalls of marketing private assets.

Assets 224

Assets Marketing Marketing 224

The Big Picture

OCTOBER 10, 2022

25th Anniversary Black Monday 1987 Crash (October 19, 2012). Art Cashin: Black Monday, An Unforgettable Single Day (October 19, 2012). _. Previously : Where Were You On Black Monday? October 19, 2015). It was a volatile 17-year period with numerous rallies and selloffs. Markets were flat to modestly higher over that 16-year period.

Insurance 360

Insurance Marketing Marketing Portfolio 360

Calculated Risk

JANUARY 30, 2024

This graph shows the Freddie multi-family serious delinquency rate since 2012. Rates were still high in 2012 following the housing bust and financial crisis. Freddie Mac reports that the multi-family delinquencies rate was unchanged at 0.28% in December, and up from 0.12% in December 2022.

Marketing 277

Marketing Marketing 277

Calculated Risk

NOVEMBER 8, 2023

Several years later, in early 2012, when many people were still bearish on housing, the plunge in inventory in 2011 (blue arrow on graph below) helped me call the bottom for house prices in early 2012 (see The Housing Bottom is Here ).

Marketing 291

Marketing Marketing 291

Wealth Management

MAY 23, 2024

So in 2012, he left to launch SteelPeak Wealth with $250 million in AUM. After a dozen years in the wirehouse world, Reza Zamani began to recognize the limitations inherent to the model. Today, it manages $3 billioon with 20 advisors on the team.

Wealth Management 259

Wealth Management Management Financial Advisor 259

Calculated Risk

OCTOBER 28, 2022

The following graph shows real Personal Consumption Expenditures (PCE) through September 2022 (2012 dollars). The PCE price index, excluding food and energy, increased 5.1 percent YoY, up from 4.9 percent in August. Note that the y-axis doesn't start at zero to better show the change. Click on graph for larger image.

Food 363

Food Economics 363

Calculated Risk

MARCH 27, 2024

This graph shows the Freddie multi-family serious delinquency rate since 2012. Rates were still high in 2012 following the housing bust and financial crisis. Freddie Mac reports that the multi-family delinquencies rate declined to 0.35% in February, and down from 0.44% in January.

Marketing 270

Marketing Marketing 270

Calculated Risk

AUGUST 26, 2022

The following graph shows real Personal Consumption Expenditures (PCE) through July 2022 (2012 dollars). The PCE price index, excluding food and energy, increased 4.6 percent YoY, down from 4.8% Note that the y-axis doesn't start at zero to better show the change. Click on graph for larger image.

Food 357

Food Economics 357

Calculated Risk

JUNE 8, 2023

From CoreLogic: CoreLogic: US Home Borrowers See First Annual Home Equity Losses Since 2012 in Q1 2023, but Overall Mortgage Performance Remains Strong CoreLogic®. homeowners with a mortgage lost a small amount of equity year over year for the first time since early 2012, while national combined equity followed suit.

Numbers 363

Numbers Distribution Accounting 363

Calculated Risk

DECEMBER 23, 2022

The following graph shows real Personal Consumption Expenditures (PCE) through November 2022 (2012 dollars). The PCE price index, excluding food and energy, increased 4.7 percent YoY, down from 5.0 percent in October. Note that the y-axis doesn't start at zero to better show the change. Click on graph for larger image.

Food 362

Food Economics 362

A Wealth of Common Sense

MARCH 16, 2025

Coming into 2025 the S&P 500 had just two down years out of the past 15: 2010 +14.8% 2024 +24.9% We were all probably a little spoiled. Regardless of the reason for the recent swoon, we were due.

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Calculated Risk

JULY 29, 2022

The following graph shows real Personal Consumption Expenditures (PCE) through June 2022 (2012 dollars). The PCE price index, excluding food and energy, increased 4.8 percent YoY, up from 4.7 percent in May. Note that the y-axis doesn't start at zero to better show the change. Click on graph for larger image.

Food 342

Food Economics 342

Calculated Risk

MAY 26, 2023

The following graph shows real Personal Consumption Expenditures (PCE) through April 2023 (2012 dollars). The PCE price index, excluding food and energy, increased 4.7 percent YoY, up from 4.6 percent in March, and down from the recent peak of 5.4 percent in February 2022. Note that the y-axis doesn't start at zero to better show the change.

Food 358

Food Economics 358

Calculated Risk

DECEMBER 29, 2023

Several years later, in early 2012, when many people were still bearish on housing, the plunge in inventory in 2011 (blue arrow on graph below) helped me call the bottom for house prices in early 2012 (see The Housing Bottom is Here ). Somewhat lower mortgage rates - and time - will likely lead to more new listings in 2024.

Economics 290

Economics Sales Marketing Marketing 290

Calculated Risk

JANUARY 27, 2023

The following graph shows real Personal Consumption Expenditures (PCE) through December 2022 (2012 dollars). The PCE price index, excluding food and energy, increased 4.4 percent YoY, down from 4.7 percent in November, and down from the recent peak of 5.4 percent in February 2022. Click on graph for larger image.

Food 354

Food Economics 354

Wealth Management

FEBRUARY 15, 2023

In 2012, a confluence of events in Tyrone Ross Jr.’s s life, including a failed Olympic attempt, brought him to a dark place. But his experiences have built perseverance and grit that drives him forward.

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253

Calculated Risk

JUNE 26, 2023

This graph shows the Freddie multi-family serious delinquency rate since 2012. Rates were still high in 2012 following the housing bust and financial crisis. Freddie Mac reports that multi-family delinquencies increased to 0.20% in May, up from 0.07% in May 2022.

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The Big Picture

JUNE 22, 2023

Using IRS data, University of California at Berkeley’s Emmanuel Saez and Gabriel Zucman’s 2014 study found: The share of total wealth of the top 1% has increased steadily, from below 25% in 1978 to 42% in 2012. The top 0.01% of US households had at least $111 million in net worth in 2012, compared to $4 million for the 1 %.

Distribution 306

Distribution Assets Numbers Economics 306

Calculated Risk

OCTOBER 1, 2022

The following graph shows real Personal Consumption Expenditures (PCE) through August 2022 (2012 dollars). The PCE price index, excluding food and energy, increased 4.9 percent YoY, up from 4.7% Note that the y-axis doesn't start at zero to better show the change. Click on graph for larger image.

Food 333

Food Economics 333

Calculated Risk

APRIL 28, 2023

The following graph shows real Personal Consumption Expenditures (PCE) through March 2023 (2012 dollars). The PCE price index, excluding food and energy, increased 4.6 percent YoY, down from 4.7 percent in February, and down from the recent peak of 5.4 percent in February 2022. Click on graph for larger image.

Food 320

Food Economics 320

Calculated Risk

DECEMBER 30, 2022

Several years later, in early 2012, when many people were still bearish on housing, the plunge in inventory in 2011 (blue arrow on graph below) helped me call the bottom for house prices in early 2012 (see The Housing Bottom is Here ).

Economics 264

Economics Sales Marketing Marketing 264

Calculated Risk

SEPTEMBER 29, 2023

The following graph shows real Personal Consumption Expenditures (PCE) through August 2023 (2012 dollars). The PCE price index, excluding food and energy, increased 3.9 percent YoY, down from 4.3 percent in July, and down from the recent peak of 5.6 percent in February 2022. Click on graph for larger image.

Food 321

Food Taxes Economics 321

Calculated Risk

MAY 5, 2023

million containers and trailers, down 10.9% (484,228) from last year and the fewest for January to April since 2012. million units, down 10.9% (484,228) from last year and the fewest for January to April since 2012. April’s decline was the 14th straight and 20th in the past 21 months. In 2023 through April, volume was 3.97

Accounting 246

Accounting 246

The Big Picture

DECEMBER 5, 2024

Bloomberg , October 9, 2015 Art Cashin’s Tis the day before New Year’s (December 31, 2014) Art Cashin Just Gave A Hilarious Wall Street History Lesson Going Back To The 1950s by Linette Lopez Business Inside, Oct 8, 2013 TBP 2013: Fireside Chat with Trading Legend Art Cashin (October 3, 2013) Art Cashin: Black Monday, An Unforgettable Single Day (October (..)

Compliance 290

Compliance Marketing Marketing Management 290

Abnormal Returns

APRIL 24, 2024

peaked in 2012. Banking The number of bank branches in the U.S. sherwood.news) Where SVB's business stands as JP Morgan ($JPM) looks to make inroads. bloomberg.com) ETFs Where active ETFs are growing fastest. morningstar.com) The iShares Bitcoin ETF ($IBIT) is a runaway hit. theblock.co) Retail investors trade leveraged ETFs way too much.

Financial Advising 275

Financial Advising Manufacturing Media Retail 275

The Big Picture

OCTOBER 27, 2022

The stock is now underperforming the S&P 500 since it went public in 2012.” Previously : Less than meets the eye at Facebook (February 18, 2012). ” Regardless of what you think of Musk, he is not someone you want to be competing with if you can avoid it. MiB: Scott Galloway on The Four (October 28, 2017).

Advertising 278

Advertising Media Marketing Marketing 278

Calculated Risk

JANUARY 10, 2024

The second table shows the change in construction and manufacturing payrolls starting in 2006.

Economy 298

Economy Manufacturing Economics Sales 298

Calculated Risk

JULY 8, 2024

This graph shows the Freddie multi-family serious delinquency rate since 2012. Rates were still high in 2012 following the housing bust and financial crisis. Freddie Mac reports that the multi-family delinquencies rate increased to 0.36% in May, up from 0.35% in April, but down from the recent peak of 0.44% in January.

Marketing 182

Marketing Marketing 182

Advisor Perspectives

APRIL 9, 2024

The headline number for the NFIB Small Business Optimism Index fell to 88.5 in March, the lowest level since 20212. The latest reading was worse than the forecast of 88.8 and marked the 27th straight month the index has been below the series average of 98.0.

Numbers 119

Numbers 119

Calculated Risk

JULY 29, 2024

This graph shows the Freddie multi-family serious delinquency rate since 2012. Rates were still high in 2012 following the housing bust and financial crisis. Freddie Mac reports that the multi-family delinquencies rate increased to 0.38% in June, up from 0.36% in April, but down from the recent peak of 0.44% in January.

Marketing 173

Marketing Marketing 173

Calculated Risk

APRIL 26, 2024

This graph shows the Freddie multi-family serious delinquency rate since 2012. Rates were still high in 2012 following the housing bust and financial crisis. Freddie Mac reports that the multi-family delinquencies rate declined to 0.34% in March, down from 0.35% in February, and down from 0.44% in January.

Marketing 173

Marketing Marketing 173

Calculated Risk

JULY 26, 2022

The National index is up 119% from the post-bubble low set in February 2012 (SA). The Composite 20 index is up 1.3% (SA) in May. The National index is 60% above the bubble peak (SA), and up 1.0% (SA) in May. The second graph shows the year-over-year change in all three indices. The Composite 10 SA is up 19.0% year-over-year. year-over-year.

Management 362

Management 362

The Big Picture

APRIL 15, 2023

 This week, we speak with Joseph Baratta , who since 2012, has served as Global Head of Private Equity at Blackstone – the world’s largest alternative asset manager, with $975 billion in assets under management.

Consulting 284

Consulting Compliance Assets Management 284

Calculated Risk

JUNE 5, 2023

. • April’s 0.46% seasonally adjusted rise was down from March’s revised +0.62% and roughly on par with the 0.49% rise in February • April’s seasonally adjusted increase was near the 30-year average of 0.48% for the month – 5.5%

Sales 245

Sales 245

Calculated Risk

DECEMBER 19, 2022

This is the lowest confidence reading since mid-2012, with the exception of the onset of the pandemic in the spring of 2020. “In This was below the consensus forecast, and the lowest level since 2012 (excluding the one month low at the beginning of the pandemic). emphasis added Click on graph for larger image.

Sales 246

Sales Numbers Economics Planning 246

The Big Picture

AUGUST 17, 2022

Top 10 Investor Errors: Excess Fees (June 30, 2012). See also : How Expense Ratios and Star Ratings Predict Success. Russel Kinnel. Morningstar, August 9, 2010. Previously : Don’t Blame Morningstar for Our Own Shortcomings (October 26, 2017). Passive investing is: Marxist. Devouring capitalism. Reached a mania. Lobotomized investing.

Taxes 334

Taxes Portfolio Management Investing 334