Nerd's Eye View

NOVEMBER 18, 2024

In recent years, AI has become an increasingly common feature in advisor technology. The possibilities at the intersection of AI and financial advice are exciting – faster processes, better connections, less time on ‘busy work’ – but also come with uncertainty about the future of the field.

Financial Advice 246

Financial Advice Clients Portfolio Marketing 246

Calculated Risk

MARCH 5, 2025

Today, in the Real Estate Newsletter: ICE Mortgage Monitor: Property Insurance Costs Rose at a Record Rate in 2024 Brief excerpt: Property Insurance Premiums Increased Sharply in 2024 Here is a chart from the Mortgage Monitor. These increases are largely being driven by losses due to natural disasters.

Insurance 191

Insurance Taxes 191

Calculated Risk

NOVEMBER 2, 2024

The FOMC meets this week and is expected to cut rates. -- Monday, November 4th -- No major economic releases scheduled. -- Tuesday, November 5th -- All day: U.S. Election 8:30 AM: Trade Balance report for September from the Census Bureau. The consensus is for the deficit to be $73.5 billion in September, from $70.4 billion in August.

Economics 272

Economics 272

Nerd's Eye View

NOVEMBER 4, 2024

Welcome to the November 2024 issue of the Latest News in Financial #AdvisorTech – where we look at the big news, announcements, and underlying trends and developments that are emerging in the world of technology solutions for financial advisors!

Estate Planning 243

Estate Planning Planning Communication Clients 243

Calculated Risk

JANUARY 28, 2025

From the MBA: Delinquency Rates for Commercial Properties Increased in Fourth-Quarter 2024 Delinquency rates for mortgages backed by commercial properties increased during the fourth quarter of 2024, according to the Mortgage Bankers Association's (MBA) latest commercial real estate finance (CREF) Loan Performance Survey. "

Retail 147

Retail Economy 147

Calculated Risk

JANUARY 20, 2025

For the full year 2024, total U.S. Carloads excluding coal, on the other hand, rose in 2024 up 1.4%, or 117,264 carloads, over 2023 and their third year-over-year gain in the past four years. million containers and trailers in 2024, the most since 2021; the third most ever (behind 2018 and 2021); and up 9.3% (1.17

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Calculated Risk

DECEMBER 22, 2024

Here is a review of the Ten Economic Questions for 2024. in 2024 (around 2.6% 2) Employment: Through November 2024, the economy added 2.0 million jobs in 2024. 4) Participation Rate: In November 2024, the overall participation rate was at 62.5%, down year-over-year from 62.8% Q4-over-Q4). Q4-over-Q4 in 2025.

Economics 290

Economics Economy Sales Commission 290

Calculated Risk

FEBRUARY 25, 2025

The FDIC released the Quarterly Banking Profile for Q4 2024: Full-Year ROA and Net Income Increased in 2024 The banking industry reported full-year net income of $268.2 The increase primarily occurred due to one-time events in 2023 and 2024 that led to lower noninterest expense (down $8.5 percent) in 2024. billion (5.6

Numbers 162

Numbers Banking Assets Portfolio 162

The Big Picture

JANUARY 2, 2025

Consider this December 29, 2024, year-end review in Bloomberg : “By this time last year, the stock markets rally had blown past even the most optimistic targets, and Wall Street forecasters were convinced it couldnt keep up the dizzying pace. It is especially true for strategists and forecasters at large brokers and banks.

Banking 346

Banking Planning Economics Investing 346

Calculated Risk

MARCH 18, 2025

The third graph shows the month-to-month comparison for total starts between 2024 (blue) and 2025 (red). in February compared to February 2024. Total starts were down 2.9% Starts bounced back in the Northeast region after being down sharply year-over-year in January (likely weather related). There is much more in the article.

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A Wealth of Common Sense

NOVEMBER 3, 2024

stock market is up 20% in 2024. It’s been a good year in the stock market. Through the close on Friday, the U.S. The Russell 3000 Index is a good approximation of the total U.S. stock market. The index now has a little less than 2,700 stocks. Out of 2,670 stocks, 101 are up 100% or more this year (3.8% of the total).

Marketing 144

Marketing Marketing 144

Calculated Risk

OCTOBER 29, 2024

The Census Bureau released the Residential Vacancies and Homeownership report for Q3 2024 today. National vacancy rates in the third quarter 2024 were 6.9 percent) and not statistically different from the rate in the second quarter 2024 (6.6 percent) and not statistically different from the rate in the second quarter 2024 (0.9

Numbers 162

Numbers Media Sales 162

Calculated Risk

FEBRUARY 6, 2025

Today, in the Calculated Risk Real Estate Newsletter: MBA: Mortgage Delinquencies Increased Slightly in Q4 2024 A brief excerpt: From the MBA: Mortgage Delinquencies Increase in the Fourth Quarter of 2024 T he delinquency rate for mortgage loans on one-to-four-unit residential properties increased to a seasonally adjusted rate of 3.98

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Calculated Risk

MARCH 4, 2025

Freddie's rate is up year-over-year from 0.55% in January 2024, however, this is close to the pre-pandemic level of 0.60%. The serious delinquency rate is up year-over-year from 0.54% in January 2024, however, this is below the pre-pandemic lows of 0.65%.

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A Wealth of Common Sense

JANUARY 16, 2025

Further Reading: Updating My Favorite Performance Chart For 2024 The post The 2024 Sector Quilt appeared first on A Wealth of Common Sense.

Retirement 142

Retirement Accounting Economy Marketing 142

Nerd's Eye View

NOVEMBER 15, 2024

Enjoy the current installment of “Weekend Reading For Financial Planners” - this week’s edition kicks off with the news that the latest Fidelity RIA Benchmarking Study shows that while RIAs saw gains in AUM and revenue last year, their operating margins tightened, suggesting that rising expenses are cutting into firm profits.

Financial Planner 246

Financial Planner Asset Allocation Taxes Tax Planning 246

Calculated Risk

NOVEMBER 27, 2024

The BEA released the Personal Income and Outlays, October 2024 report for October: Personal income increased $147.4 The following graph shows real Personal Consumption Expenditures (PCE) through October 2024 (2017 dollars). billion (0.6 percent at a monthly rate) in October , according to estimates released today by the U.S.

Food 303

Food Taxes Economics 303

Calculated Risk

NOVEMBER 15, 2024

Today, in the Calculated Risk Real Estate Newsletter: Part 2: Current State of the Housing Market; Overview for mid-November 2024 A brief excerpt: Yesterday, in Part 1: Current State of the Housing Market; Overview for mid-November 2024 I reviewed home inventory, housing starts and sales.

Marketing 147

Marketing Marketing Sales 147

Calculated Risk

APRIL 17, 2025

The third graph shows the month-to-month comparison for total starts between 2024 (blue) and 2025 (red). in March compared to March 2024. compared to the same period in 2024. Total housing starts in March were well below expectations; however, starts in January and February were revised up slightly, combined.

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Calculated Risk

JANUARY 6, 2025

in Q4 2024, up from an upwardly revised 6.0% Moodys Analytics (formerly Reis) reported that the apartment vacancy rate was at 6.1% in Q3, and up from the pandemic peak of 5.6% in Q1 2021.

Retail 267

Retail 267

Calculated Risk

NOVEMBER 26, 2024

The next graph shows new home sales for 2023 and 2024 by month (Seasonally Adjusted Annual Rate). Sales in October 2024 were down 9.4% The Census Bureau reported New Home Sales in October were at a seasonally adjusted annual rate (SAAR) of 610 thousand. The previous three months were revised down, combined. from October 2023.

Sales 289

Sales 289

Calculated Risk

MARCH 17, 2025

percent from February 2024. percent from February 2024. The December 2024 to January 2025 percent change was revised from down 0.9 On a monthly basis, retail sales increased 0.2% from January to February (seasonally adjusted), and sales were up 3.1 From the Census Bureau report : Advance estimates of U.S. billion, up 0.2

Retail 253

Retail Sales Food 253

Alpha Architect

JANUARY 31, 2025

In 2024 investors were provided with nine lessons. Nine Lessons the Market Taught in 2024 was originally published at Alpha Architect. Many of them are repeats from prior years. Unfortunately, too many investors fail to learn themthey keep making the same errors. Please read the Alpha Architect disclosures at your convenience.

Marketing 113

Marketing Marketing Education 113

The Big Picture

DECEMBER 18, 2024

Journal (restaurant) reporter who inappropriately used non-seasonally adjusted numbers to make the following claim : “California had 726,600 people working in fast-food and other limited-service eateries in January [2024], down 1.3% Note: To be clear, while the law passed in Sept 2023, it did not take effect until April 2024.]

Food 307

Food Math Numbers Economics 307

Calculated Risk

NOVEMBER 13, 2024

The report shows total household debt increased by $147 billion (0.8%) in Q3 2024, to $17.94 From the NY Fed: Aggregate nominal household debt balances increased by $147 billion in the third quarter of 2024, a 0.8% From the NY Fed: Aggregate delinquency rates edged up slightly in the third quarter of 2024. rise from 2024Q2.

Economics 309

Economics Retail Banking Accounting 309

Calculated Risk

NOVEMBER 8, 2024

Fed Chair Powell, Nov 7, 2024: "It's actually remarkable how strong the U.S. economy is performing. We're performing better than all of our global peers. Ultimately, if you look at the U.S. economy, its performance has been very good." percent on November 7, up from 2.4 percent on November 5. percent on November 7, up from 2.4

Retail 260

Retail Economy Sales 260

Calculated Risk

FEBRUARY 3, 2025

From the Census Bureau reported that overall construction spending increased: Construction spending during December 2024 was estimated at a seasonally adjusted annual rate of $2,192.2 The value of construction in 2024 was $2,154.4 below the peak in October 2024. billion, 0.5 percent above the revised November estimate of $2,180.3

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Calculated Risk

JANUARY 24, 2025

Sales Year-over-Year and Not Seasonally Adjusted (NSA) The fourth graph shows existing home sales by month for 2023 and 2024. million in 2024, down from 4.09 Sales increased 9.3% year-over-year compared to December 2023. On an annual basis, existing home sales were at 4.06 million in 2023, and the lowest level since 1995.

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Sales 232

Calculated Risk

NOVEMBER 20, 2024

percent from one week earlier, according to data from the Mortgage Bankers Association’s (MBA) Weekly Mortgage Applications Survey for the week ending November 15, 2024. percent, its highest level since July 2024. From the MBA: Mortgage Applications Increase in Latest MBA Weekly Survey Mortgage applications increased 1.7

Sales 302

Sales Marketing Marketing 302

Calculated Risk

JANUARY 20, 2025

The red line is for 2024. compared to the same week in 2024 (last week it was up 23.6%), and down 23.4% The first graph shows the seasonal pattern for active single-family inventory since 2015. Click on graph for larger image. The black line is for 2019. Inventory was up 24.8%

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