This document provides a resource list on personal finance topics in 2022, including inflation, interest rates, savings, housing, taxes, credit, student loans, and cars. It summarizes over 30 articles from sources like The Wall Street Journal, Federal Reserve, IRS, and CFPB on these issues. The articles discuss rising inflation, gas and food prices, the Federal Reserve raising interest rates several times to combat inflation, slowing housing market activity due to high mortgage rates, tax filing statistics and credits, medical debt reporting changes, student loan forgiveness programs and lawsuits, and decreasing used car prices after prior spikes.
Economic and Fiscal Scorecard| The United States| March 2021 and April 2021paul young cpa, cga
Blog – Scorecard – United States – March 2021 and April 2021
1. Inflation at the fastest pace since 2008 - https://www.cnbc.com/2021/05/12/consumer-price-index-april-2021.html
2. Abysmal jobs report - https://www.heritage.org/jobs-and-labor/commentary/abysmal-jobs-report-shows-folly-bidens-big-spending-agenda
3. 8.1 million job vacancies - https://tradingeconomics.com/united-states/job-offers
4. Emergency preparedness - https://www.pnas.org/content/118/19/e2106795118. I have written many blogs/presentations on the need to adapt better practices as part of mitigating the impact of geopolitical events - https://ibm.box.com/s/rsp6p9tez8uru9fo0wu5d13bxt7rtrr0
5. Commodity issues - https://www.supplychaindive.com/news/lumber-demand-shortage-price-saw-mill-board-housing-pandemic-labor/600876/
6. Pipelines - https://www.heritage.org/energy-economics/commentary/bidens-hypocrisy-keystone-xl-vs-nord-stream-2-pipelines
7. Foreign policies and affairs - https://foreignpolicy.com/2021/05/26/china-trolling-biden-gaza-palestinians-israel-middle-east-social-media-wolf-warrior-diplomacy/
8. Tax policies - https://kurtzcpa.com/tax-change-coming/
9. Fiscal management - https://www.pbs.org/newshour/amp/economy/biden-budget-to-run-1-8-trillion-deficit-to-finance-spending-plans
10. Funding of police - http://www.xinhuanet.com/english/2021-05/27/c_139973893.htm
2019 Election| Housing and Real Estate| Canada| July 2019paul young cpa, cga
Paul Young, a CPA and expert in various financial fields, discusses making housing more affordable in Canada. He outlines issues like rising real estate prices, lack of housing supply, and the need for cooperation across levels of government. New technologies like 3D printing offer promising solutions. The 2019 federal election will likely focus on housing affordability as no party has sufficiently addressed systemic problems to date. All stakeholders must work together using innovative ideas to increase housing availability and affordability going forward.
The document discusses ways to make housing more affordable in Canada. It provides an overview of housing affordability indexes, real estate prices and housing starts. It also examines systemic issues in real estate, the potential for 3D printing in home building, different parties' platforms in the 2019 election around affordable housing, and the need for cooperation across levels of government and the private sector to address availability and affordability issues long-term. Specific policies mentioned include foreign buyer taxes, stimulus programs, mortgage rules, and the need for a rural housing strategy.
Key Macro and Micro Indicators - United States - May 2022 and April 2022.pptxpaul young cpa, cga
The document provides a summary of key performance indicators for the United States economy in May and April 2022. It includes data on GDP, durable goods, retail sales, inflation, employment, trade, stock market, housing, and fiscal updates. A variety of sources are cited from the Census Bureau, Bureau of Labor Statistics, Congressional Budget Office, and others. The presentation outlines economic trends and what may come next for the US and global economies.
Fiscal and Economic Scorecard - Canada - May 2022 and April 2022.pptxpaul young cpa, cga
- Canadian GDP rose 0.3% in April but early estimates suggest a decline in May, as housing declined while commodity and hospitality sectors grew.
- Employment levels remain high but concerns around affordability, debt levels, and middle-class incomes persist.
- Manufacturing sales fell in April with supply chain issues continuing to impact industries.
- Housing prices rose in April but affordability is a major issue, as inflation reduces purchasing power.
- Inflation remains high in Canada, driven by factors like energy and food costs.
This document discusses the negative impacts of the Dodd-Frank Act on the housing market, mortgage industry, and U.S. economy. It argues that Dodd-Frank has reduced mortgage lending, homeownership rates, and economic growth/GDP while banks have more capital reserves. It also discusses how the Consumer Financial Protection Bureau has broad regulatory powers that have been deemed unconstitutional by courts and have failed to adequately address issues like inaccurate credit reporting.
Economic and Fiscal Scorecard| The United States| March 2021 and April 2021paul young cpa, cga
Blog – Scorecard – United States – March 2021 and April 2021
1. Inflation at the fastest pace since 2008 - https://www.cnbc.com/2021/05/12/consumer-price-index-april-2021.html
2. Abysmal jobs report - https://www.heritage.org/jobs-and-labor/commentary/abysmal-jobs-report-shows-folly-bidens-big-spending-agenda
3. 8.1 million job vacancies - https://tradingeconomics.com/united-states/job-offers
4. Emergency preparedness - https://www.pnas.org/content/118/19/e2106795118. I have written many blogs/presentations on the need to adapt better practices as part of mitigating the impact of geopolitical events - https://ibm.box.com/s/rsp6p9tez8uru9fo0wu5d13bxt7rtrr0
5. Commodity issues - https://www.supplychaindive.com/news/lumber-demand-shortage-price-saw-mill-board-housing-pandemic-labor/600876/
6. Pipelines - https://www.heritage.org/energy-economics/commentary/bidens-hypocrisy-keystone-xl-vs-nord-stream-2-pipelines
7. Foreign policies and affairs - https://foreignpolicy.com/2021/05/26/china-trolling-biden-gaza-palestinians-israel-middle-east-social-media-wolf-warrior-diplomacy/
8. Tax policies - https://kurtzcpa.com/tax-change-coming/
9. Fiscal management - https://www.pbs.org/newshour/amp/economy/biden-budget-to-run-1-8-trillion-deficit-to-finance-spending-plans
10. Funding of police - http://www.xinhuanet.com/english/2021-05/27/c_139973893.htm
2019 Election| Housing and Real Estate| Canada| July 2019paul young cpa, cga
Paul Young, a CPA and expert in various financial fields, discusses making housing more affordable in Canada. He outlines issues like rising real estate prices, lack of housing supply, and the need for cooperation across levels of government. New technologies like 3D printing offer promising solutions. The 2019 federal election will likely focus on housing affordability as no party has sufficiently addressed systemic problems to date. All stakeholders must work together using innovative ideas to increase housing availability and affordability going forward.
The document discusses ways to make housing more affordable in Canada. It provides an overview of housing affordability indexes, real estate prices and housing starts. It also examines systemic issues in real estate, the potential for 3D printing in home building, different parties' platforms in the 2019 election around affordable housing, and the need for cooperation across levels of government and the private sector to address availability and affordability issues long-term. Specific policies mentioned include foreign buyer taxes, stimulus programs, mortgage rules, and the need for a rural housing strategy.
Key Macro and Micro Indicators - United States - May 2022 and April 2022.pptxpaul young cpa, cga
The document provides a summary of key performance indicators for the United States economy in May and April 2022. It includes data on GDP, durable goods, retail sales, inflation, employment, trade, stock market, housing, and fiscal updates. A variety of sources are cited from the Census Bureau, Bureau of Labor Statistics, Congressional Budget Office, and others. The presentation outlines economic trends and what may come next for the US and global economies.
Fiscal and Economic Scorecard - Canada - May 2022 and April 2022.pptxpaul young cpa, cga
- Canadian GDP rose 0.3% in April but early estimates suggest a decline in May, as housing declined while commodity and hospitality sectors grew.
- Employment levels remain high but concerns around affordability, debt levels, and middle-class incomes persist.
- Manufacturing sales fell in April with supply chain issues continuing to impact industries.
- Housing prices rose in April but affordability is a major issue, as inflation reduces purchasing power.
- Inflation remains high in Canada, driven by factors like energy and food costs.
This document discusses the negative impacts of the Dodd-Frank Act on the housing market, mortgage industry, and U.S. economy. It argues that Dodd-Frank has reduced mortgage lending, homeownership rates, and economic growth/GDP while banks have more capital reserves. It also discusses how the Consumer Financial Protection Bureau has broad regulatory powers that have been deemed unconstitutional by courts and have failed to adequately address issues like inaccurate credit reporting.
Key Macro and Micro Indicators| United States| November 2021 and October 2021paul young cpa, cga
Here is my look at macro and micro indicators for the United States. The USA like many countries is trying address issues with inflation, productivity, size of government, affordable housing, productivity, and growing the economy in sustainable way while protecting the environment.
1. USA Border - https://www.cbp.gov/newsroom/national-media-release/cbp-releases-november-2021-monthly-operational-update
2. USA GDP - https://apnews.com/article/coronavirus-pandemic-business-health-economy-gross-domestic-product-119b8182404771d0362da6d0d49891c0
3. USA capital spending - https://www.forbes.com/sites/advisor-intelligence/2021/12/23/the-top-10-investment-themes-for-2022/?sh=de62b0c17c4b
4. Housing - https://www.multihousingnews.com/affordable-housing-in-2022-addressing-the-missing-middle/
5. Supply chain - https://marketscale.com/industries/business-services/top-learning-lessons-from-2021s-supply-chain-disruptions/
6. Inflation - https://www.marketwatch.com/story/coming-up-latest-read-on-the-feds-favorite-inflation-gauge-11640265116
7. Consumer confidence - https://www.bloomberg.com/news/articles/2021-12-23/consumer-sentiment-in-u-s-increases-on-improved-outlooks
8. Manufacturing - https://www.reddit.com/r/FluentInFinance/comments/rn34k7/us_manufacturing_output_is_near_alltime_highs/
9. Green economy - https://www.bbc.com/news/business-59430224
10. Fiscal - https://www.mckinsey.com/featured-insights/coronavirus-leading-through-the-crisis/charting-the-path-to-the-next-normal/governments-face-a-30-trillion-fiscal-gap-by-2023
Fiscal and Economic Scorecar| The United States| December 2021 and November 2021paul young cpa, cga
Blog – Economic and Fiscal Scorecard – The United States – December 2021 and November 2021
The USA show a strong GDP growth for 2021.
The USA healthcare system continues to face many challenges.
Wage growth hit the highest growth in decades.
High inflation and the cost of housing are big concerns for Americans.
Business automation continues to be a key focus areas for both the private and public Sectors.
1. USA GDP - https://www.piie.com/blogs/realtime-economic-issues-watch/us-economy-grew-faster-expected-2021-pandemic-transformed-its
2. Stock market - https://www.marketwatch.com/story/here-are-the-good-things-rbc-sees-in-the-u-s-stock-market-following-januarys-selloff-11643660195
3. Overworked - https://20somethingfinance.com/american-hours-worked-productivity-vacation/
4. Productivity - https://www.forbes.com/sites/forbestechcouncil/2022/01/25/fixed-broadband-network-performance-key-to-us-productivity/?sh=7f8f8526333c
5. Wages - https://www.piie.com/blogs/realtime-economic-issues-watch/us-wages-grew-fastest-pace-decades-2021-prices-grew-even-more
6. Fab production - https://www.fierceelectronics.com/electronics/chip-fabs-are-coming-us-will-there-be-enough-skilled-workers
7. Critical metals - https://ca.proactiveinvestors.com/companies/news/972757/australian-strategic-materials-well-funded-to-advance-critical-metals-asset-in-nsw-and-south-korean-value-add-972757.html
8. Circular and green economy - https://www2.deloitte.com/global/en/pages/energy-and-resources/articles/reshaping-traditional-value-chains.html
9. Food costs - https://www.kwtx.com/2022/01/31/grocery-store-prices-continue-rise-amid-inflation-supply-chain-issues/
10. Housing - https://www.fox5atlanta.com/money/homeownership-prices-rise-affordability-falls
11. Healthcare - https://www.fox5atlanta.com/money/homeownership-prices-rise-affordability-falls
12. Automation - https://www.protocol.com/enterprise/google-cloud-automation-anywhere-rpa
13. Business trends - https://www.protocol.com/enterprise/google-cloud-automation-anywhere-rpa
14. RPA - https://enterprisersproject.com/article/2022/1/4-robotic-process-automation-rpa-trends-watch-2022
Fiscal and Economic Scorecard - Canada - April 2022 and March 2022.pptxpaul young cpa, cga
This document provides an agenda and summaries on various fiscal and economic metrics and indicators for Canada for April 2022 and March 2022. It includes sections on key metrics like GDP, employment, trade, manufacturing, housing, cost of living, electricity, and the fiscal update. Other topics discussed include the stock market, path forward for Canada, commodities, pharmacare, job vacancies, climate change, plastics, competitiveness, and the current energy crisis. Charts and data are provided from sources like Statistics Canada, IMF, OECD and others to analyze trends and issues.
How did Canada performance economically and fiscal for January 2022 and Decem...paul young cpa, cga
The document provides an agenda and summaries on key economic and fiscal metrics for Canada in December 2021 and January 2022. It discusses employment trends, trade data, manufacturing activity, housing market conditions, inflation rates, fiscal updates, and perspectives on various policy issues. Major points include a minimal change to GDP in December, job gains led by manufacturing and construction in January, a rise in imports and fall in exports in December, and inflation hitting a 30-year high of 5.1% in January. The document contains links to supporting data sources and the author's analyses on economic and public policy topics.
This document provides an agenda and overview for a presentation on the "New Normal for Canada and the World" given by Paul Young CPA CGA on February 12, 2021. The agenda covers topics such as GDP, the stock market, household debt, farm incomes, government stimulus, re-opening plans for provinces, healthcare issues, reforms to organizations like the WHO and more. It also includes summaries and sources for additional information on many of these topics. The document aims to outline major economic and public policy issues facing Canada in light of the pandemic.
Inflation (Cost of Living) - United States - September 2022.pptxpaul young cpa, cga
Summary:
US consumer price inflation surprised on the upside once again as rapid increases in housing costs, medical care, food and airline fares offset signs of moderation elsewhere. The Fed has admitted it is prepared to inflict economic pain to get a grip on inflation and today's report will ensure at least another 75bp rate hike in November and 50bp in December
Source - https://think.ing.com/articles/40-year-high-for-us-core-inflation-heaps-pressure-on-the-fed/
Blog – What is up with the Stock Market – WE – February 25, 2022
Volatility spiked last week as Russia launched a full invasion of Ukraine, and Western countries responded with sanctions. The combination of heightened geopolitical risk, ongoing inflation pressures, and tightening central-bank policy pushed equities further into correction territory, declining 12% from their Jan. 3 high before rebounding later in the week. Commodities surged, and traditional safe heavens, such as bonds and the U.S. dollar, rallied1.
While we acknowledge that the current backdrop poses fresh challenges for the global recovery, we think that fundamental conditions remain supportive enough to prevent the current correction from becoming something worse, like a bear market. We'd offer the following perspective on the recent developments and provide some rules for the road to navigate the current volatility.
Source - https://www.edwardjones.com/us-en/market-news-insights/stock-market-news/stock-market-weekly-update
Geopolitical Events|COVID19|Canada and the World| March 11, 2022paul young cpa, cga
This document provides an agenda and summaries on various geopolitical and economic topics, including inflation, stock markets, wealth, COVID-19 cases and deaths, vaccinations, employment, GDP, and supply chains. It also includes summaries of audit reports on Canada's pandemic response and discussions of crisis management, the "new normal" economy, and preparing for the next pandemic. The document synthesizes information from various sources on these important issues.
Key Economics and Market Indicators for Canada and United States - March 2017paul young cpa, cga
This presentation looks at both macro and micro indicators for both United States and Canadian economy. The focus is on the major indicators like housing starts, employment, commodity pricing, trade, automotive, oil, class 8 trucks and power generation
Geopolitics - Risk and Threats - Variants and Disease Management - September...paul young cpa, cga
Blog – How to Mitigate Geopolitical Risks related to Future Pandemics and Diseases
Little has been said over the past year or so around health and wellness programs being used as part of mitigating future pandemics
Little has been said the role both gene and immune therapy can play in the mitigation of diseases around the world.
Healthcare system needs to move to homecare model including more spending on assisted living.
The healthcare delivery model needs to be revamped to ensure the focus is on patient care.
1. There is debate around the causes of current high inflation, with some arguing it is due to excess aggregate demand from fiscal stimulus while others point to supply-side factors like the pandemic, war in Ukraine, and labor force participation decline.
2. To reduce inflation, the Fed has raised interest rates rapidly since mid-2022, hoping for a soft landing, while others argue larger unemployment increases are needed. However, raising rates may not address supply problems and could lead to recession.
3. Alternative approaches to raising rates include price controls, social coordination of prices and wages, and addressing inequality, as inflation impacts lower-income households more. Underlying causes of inflation involve distribution and power dynamics between economic classes.
2022 was generally turbulent for investors, especially those with a traditional stocks and bonds portfolio, who were hit particularly hard by the year’s headwinds. With inflation, Russia’s war with Ukraine, aggressive central bank tightening, and China’s lockdowns driving volatility, global economies have been grappling with rapid adjustments in interest rates, sentiment and valuations. However, while fears of recession loom, there may be some silver linings ahead for agile investors.
The Nicola Wealth Strategic Outlook 2023, which was hosted by President | Client Relationship Manager, David Sung, featured presentations by Chairman & CEO John Nicola, CIO Rob Edel, CFO & Head of Private Capital Bijal Patel, and Managing Director, Real Estate Mark Hannah. Each professional shared their perspectives on the trends that are shaping the investing environment, and how these developments may impact investors and asset classes over the coming year.
Geopolitical Risks - Pandemic - Canada and the World - WE April 29 2022.pptxpaul young cpa, cga
The document provides an agenda for a presentation on geopolitical events and virus management. It includes sections on inflation, stock markets, wealth, COVID-19 cases/deaths/vaccinations, employment comparisons between the US and Canada, GDP forecasts, blogs on crisis management and the new normal, and summaries. Background information is provided on the presenter including their credentials and areas of expertise. A range of data sources are listed for the various presentation topics.
Bank of Canada hikes interest rates to combat High Inflation and High cost of...paul young cpa, cga
Summary:
High inflation is here to stay for awhile due to failed agendas of government.
Mitigating climate change is very important. The mitigation should be done through better policy including how to best support cheap energy costs. The focus should also be on policies and programs that support the green and circular economy.
Canada has lost it ways when it comes to encouraging innovation within the private and public sector. Trudeau policies have been a failure!
Liberals around the world should revisiting their so-called carbon pricing schemes. There is a better approach to protecting the environment while growing the economy in a sustainable way. https://www.slideshare.net/paulyoungcga/how-the-public-and-private-sector-can-better-supoort-the-circular-and-green-economies
Housing costs continue to rise! https://www.ctvnews.ca/business/interest-rate-hike-won-t-cool-housing-say-experts-1.5802515
1. Interest rates - https://wowa.ca/bank-of-canada-interest-rate
2. First interest hike since 2018 - https://www.bnnbloomberg.ca/bank-of-canada-hikes-rates-for-first-time-since-2018-1.1731177
3. Inflation - https://globalnews.ca/news/8654004/canada-interest-rate-hike-march-2022/
4. Inflation - https://www.bnnbloomberg.ca/boc-will-have-to-kill-the-economy-to-crush-inflation-rosenberg-1.1731579
5. UBI - https://www.ubiworks.ca/howtopay
6. Green inflation - https://www.advisor.ca/investments/market-insights/green-energy-low-supply-to-drive-copper-prices/
7. Inflation - https://www.bloomberg.com/opinion/articles/2022-03-02/biden-state-of-union-proposals-would-do-little-to-curb-inflation
8. Energy - https://www.tester.senate.gov/?p=press_release&id=8934
9. Oil - https://www.jwnenergy.com/article/2022/3/2/mayhem-reigns-in-oil-markets-as-traders-avoid-russ/
10. LNG - https://www.bnnbloomberg.ca/threat-to-europe-gas-supply-bolsters-push-on-new-u-s-lng-plants-1.1731478
11. Food security - https://www.newsweek.com/war-ukraine-global-food-security-crisis-opinion-1683791
12. Housing affordability - https://betterdwelling.com/canadian-housing-affordability-hits-the-worst-level-since-the-last-bubble-nbf/
13. Commodities - https://www.bloomberg.com/markets/commodities
China's annual "Two Sessions" legislative meetings outlined cautious policies for 2022 focused on economic stability and continuity amid domestic and global challenges. The government set a GDP growth target of around 5.5% and pledged support for businesses, employment, consumption, and financial risk prevention. Regarding foreign policy, China positioned itself as a supporter of multilateral solutions and free trade while opposing Western alliance-building and "third-party interference," and called for independent policies from countries like India and EU states.
China has seen tremendous growth since the 1990s as part of becoming the 2nd biggest economy in the world. China has many challenges to deal with including protecting environment through better environment policies as they relate to mining output, urban planning, forest, and land management.
1. China GDP - https://www.project-syndicate.org/commentary/why-is-china-gdp-growth-rate-falling-so-fast-by-shang-jin-wei-2021-11
2. Belt road - https://www.reuters.com/markets/europe/african-nations-mend-make-do-china-tightens-belt-road-2021-11-22/ or https://ca.finance.yahoo.com/news/1-china-meet-challenges-giant-130242556.html
3. China Manufacturing - https://www.sharecast.com/news/international-economic/chinas-manufacturing-output-retail-sales-strengthen--8554024.html
4. Mining - https://www.mining-technology.com/news/industry-news/iron-ore-price-plummets/
5. Housing - https://www.economist.com/finance-and-economics/2021/11/20/as-housing-costs-rocket-governments-take-aim-at-large-investors
6. Wealth - https://spainsnews.com/china-monopolizes-the-wealth-of-the-planet-but-shows-weaknesses-in-the-battle-for-world-economic-hegemony/
7. Critical metals - https://www.goodreturns.in/personal-finance/investment/10-most-precious-metals-in-the-world/articlecontent-pf25917-1230896.html
8. Lithium - https://www.mining.com/sqm-expects-lithium-prices-to-jump-50-before-year-end/
9. Batteries - https://www.autonews.com/manufacturing/ev-battery-boom-sparks-need-locally-sourced-metals
10. Climate Change - https://www.nature.com/articles/d41586-021-03491-6
11. Water - https://www.deccanherald.com/international/world-news-politics/china-could-be-preparing-for-water-war-in-asia-after-completing-serial-dams-in-tibet-1052487.html
12. Air quality https://www.aljazeera.com/news/2021/11/22/infographic-the-worlds-100-most-polluted-cities-interactive
13. Trade - https://panow.com/2021/11/16/canada-south-asian-bloc-to-begin-free-trade-talks-in-effort-to-diversify-from-china/
Geopolitical Risks - Pandemic - Canada and the World - WE May 7 2022.pptxpaul young cpa, cga
Summary:
COVID and other variants will continue to plague the world
Not enough is being done to address issues with the healthcare delivery model
More needs to be done to address the supply chain
More focus on other areas beyond climate change
Governments need to start addressing issues with tax reform, size of government, and productivity as part of address issues facing their tax base and economies.
This document provides the syllabus for a Personal Finance course at Rutgers University. The key details include:
- The course covers topics like financial planning, banking, credit, investing, and retirement planning to help students develop important money management skills.
- Students' grades will be based on exams, assignments analyzing financial tools and products, and a group case study presentation.
- The goal is for students to gain knowledge and confidence to take control of their financial futures and make wise personal financial decisions.
Inflation Causes, Impacts, Mitigation Strategies, and BenefitsBarbara O'Neill
60-minute webinar for AFCPE on 05/11/23 that discusses the causes and impacts of inflation and several dozen strategies to mitigate the effects of higer prices on household budgets.
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Key Macro and Micro Indicators| United States| November 2021 and October 2021paul young cpa, cga
Here is my look at macro and micro indicators for the United States. The USA like many countries is trying address issues with inflation, productivity, size of government, affordable housing, productivity, and growing the economy in sustainable way while protecting the environment.
1. USA Border - https://www.cbp.gov/newsroom/national-media-release/cbp-releases-november-2021-monthly-operational-update
2. USA GDP - https://apnews.com/article/coronavirus-pandemic-business-health-economy-gross-domestic-product-119b8182404771d0362da6d0d49891c0
3. USA capital spending - https://www.forbes.com/sites/advisor-intelligence/2021/12/23/the-top-10-investment-themes-for-2022/?sh=de62b0c17c4b
4. Housing - https://www.multihousingnews.com/affordable-housing-in-2022-addressing-the-missing-middle/
5. Supply chain - https://marketscale.com/industries/business-services/top-learning-lessons-from-2021s-supply-chain-disruptions/
6. Inflation - https://www.marketwatch.com/story/coming-up-latest-read-on-the-feds-favorite-inflation-gauge-11640265116
7. Consumer confidence - https://www.bloomberg.com/news/articles/2021-12-23/consumer-sentiment-in-u-s-increases-on-improved-outlooks
8. Manufacturing - https://www.reddit.com/r/FluentInFinance/comments/rn34k7/us_manufacturing_output_is_near_alltime_highs/
9. Green economy - https://www.bbc.com/news/business-59430224
10. Fiscal - https://www.mckinsey.com/featured-insights/coronavirus-leading-through-the-crisis/charting-the-path-to-the-next-normal/governments-face-a-30-trillion-fiscal-gap-by-2023
Fiscal and Economic Scorecar| The United States| December 2021 and November 2021paul young cpa, cga
Blog – Economic and Fiscal Scorecard – The United States – December 2021 and November 2021
The USA show a strong GDP growth for 2021.
The USA healthcare system continues to face many challenges.
Wage growth hit the highest growth in decades.
High inflation and the cost of housing are big concerns for Americans.
Business automation continues to be a key focus areas for both the private and public Sectors.
1. USA GDP - https://www.piie.com/blogs/realtime-economic-issues-watch/us-economy-grew-faster-expected-2021-pandemic-transformed-its
2. Stock market - https://www.marketwatch.com/story/here-are-the-good-things-rbc-sees-in-the-u-s-stock-market-following-januarys-selloff-11643660195
3. Overworked - https://20somethingfinance.com/american-hours-worked-productivity-vacation/
4. Productivity - https://www.forbes.com/sites/forbestechcouncil/2022/01/25/fixed-broadband-network-performance-key-to-us-productivity/?sh=7f8f8526333c
5. Wages - https://www.piie.com/blogs/realtime-economic-issues-watch/us-wages-grew-fastest-pace-decades-2021-prices-grew-even-more
6. Fab production - https://www.fierceelectronics.com/electronics/chip-fabs-are-coming-us-will-there-be-enough-skilled-workers
7. Critical metals - https://ca.proactiveinvestors.com/companies/news/972757/australian-strategic-materials-well-funded-to-advance-critical-metals-asset-in-nsw-and-south-korean-value-add-972757.html
8. Circular and green economy - https://www2.deloitte.com/global/en/pages/energy-and-resources/articles/reshaping-traditional-value-chains.html
9. Food costs - https://www.kwtx.com/2022/01/31/grocery-store-prices-continue-rise-amid-inflation-supply-chain-issues/
10. Housing - https://www.fox5atlanta.com/money/homeownership-prices-rise-affordability-falls
11. Healthcare - https://www.fox5atlanta.com/money/homeownership-prices-rise-affordability-falls
12. Automation - https://www.protocol.com/enterprise/google-cloud-automation-anywhere-rpa
13. Business trends - https://www.protocol.com/enterprise/google-cloud-automation-anywhere-rpa
14. RPA - https://enterprisersproject.com/article/2022/1/4-robotic-process-automation-rpa-trends-watch-2022
Fiscal and Economic Scorecard - Canada - April 2022 and March 2022.pptxpaul young cpa, cga
This document provides an agenda and summaries on various fiscal and economic metrics and indicators for Canada for April 2022 and March 2022. It includes sections on key metrics like GDP, employment, trade, manufacturing, housing, cost of living, electricity, and the fiscal update. Other topics discussed include the stock market, path forward for Canada, commodities, pharmacare, job vacancies, climate change, plastics, competitiveness, and the current energy crisis. Charts and data are provided from sources like Statistics Canada, IMF, OECD and others to analyze trends and issues.
How did Canada performance economically and fiscal for January 2022 and Decem...paul young cpa, cga
The document provides an agenda and summaries on key economic and fiscal metrics for Canada in December 2021 and January 2022. It discusses employment trends, trade data, manufacturing activity, housing market conditions, inflation rates, fiscal updates, and perspectives on various policy issues. Major points include a minimal change to GDP in December, job gains led by manufacturing and construction in January, a rise in imports and fall in exports in December, and inflation hitting a 30-year high of 5.1% in January. The document contains links to supporting data sources and the author's analyses on economic and public policy topics.
This document provides an agenda and overview for a presentation on the "New Normal for Canada and the World" given by Paul Young CPA CGA on February 12, 2021. The agenda covers topics such as GDP, the stock market, household debt, farm incomes, government stimulus, re-opening plans for provinces, healthcare issues, reforms to organizations like the WHO and more. It also includes summaries and sources for additional information on many of these topics. The document aims to outline major economic and public policy issues facing Canada in light of the pandemic.
Inflation (Cost of Living) - United States - September 2022.pptxpaul young cpa, cga
Summary:
US consumer price inflation surprised on the upside once again as rapid increases in housing costs, medical care, food and airline fares offset signs of moderation elsewhere. The Fed has admitted it is prepared to inflict economic pain to get a grip on inflation and today's report will ensure at least another 75bp rate hike in November and 50bp in December
Source - https://think.ing.com/articles/40-year-high-for-us-core-inflation-heaps-pressure-on-the-fed/
Blog – What is up with the Stock Market – WE – February 25, 2022
Volatility spiked last week as Russia launched a full invasion of Ukraine, and Western countries responded with sanctions. The combination of heightened geopolitical risk, ongoing inflation pressures, and tightening central-bank policy pushed equities further into correction territory, declining 12% from their Jan. 3 high before rebounding later in the week. Commodities surged, and traditional safe heavens, such as bonds and the U.S. dollar, rallied1.
While we acknowledge that the current backdrop poses fresh challenges for the global recovery, we think that fundamental conditions remain supportive enough to prevent the current correction from becoming something worse, like a bear market. We'd offer the following perspective on the recent developments and provide some rules for the road to navigate the current volatility.
Source - https://www.edwardjones.com/us-en/market-news-insights/stock-market-news/stock-market-weekly-update
Geopolitical Events|COVID19|Canada and the World| March 11, 2022paul young cpa, cga
This document provides an agenda and summaries on various geopolitical and economic topics, including inflation, stock markets, wealth, COVID-19 cases and deaths, vaccinations, employment, GDP, and supply chains. It also includes summaries of audit reports on Canada's pandemic response and discussions of crisis management, the "new normal" economy, and preparing for the next pandemic. The document synthesizes information from various sources on these important issues.
Key Economics and Market Indicators for Canada and United States - March 2017paul young cpa, cga
This presentation looks at both macro and micro indicators for both United States and Canadian economy. The focus is on the major indicators like housing starts, employment, commodity pricing, trade, automotive, oil, class 8 trucks and power generation
Geopolitics - Risk and Threats - Variants and Disease Management - September...paul young cpa, cga
Blog – How to Mitigate Geopolitical Risks related to Future Pandemics and Diseases
Little has been said over the past year or so around health and wellness programs being used as part of mitigating future pandemics
Little has been said the role both gene and immune therapy can play in the mitigation of diseases around the world.
Healthcare system needs to move to homecare model including more spending on assisted living.
The healthcare delivery model needs to be revamped to ensure the focus is on patient care.
1. There is debate around the causes of current high inflation, with some arguing it is due to excess aggregate demand from fiscal stimulus while others point to supply-side factors like the pandemic, war in Ukraine, and labor force participation decline.
2. To reduce inflation, the Fed has raised interest rates rapidly since mid-2022, hoping for a soft landing, while others argue larger unemployment increases are needed. However, raising rates may not address supply problems and could lead to recession.
3. Alternative approaches to raising rates include price controls, social coordination of prices and wages, and addressing inequality, as inflation impacts lower-income households more. Underlying causes of inflation involve distribution and power dynamics between economic classes.
2022 was generally turbulent for investors, especially those with a traditional stocks and bonds portfolio, who were hit particularly hard by the year’s headwinds. With inflation, Russia’s war with Ukraine, aggressive central bank tightening, and China’s lockdowns driving volatility, global economies have been grappling with rapid adjustments in interest rates, sentiment and valuations. However, while fears of recession loom, there may be some silver linings ahead for agile investors.
The Nicola Wealth Strategic Outlook 2023, which was hosted by President | Client Relationship Manager, David Sung, featured presentations by Chairman & CEO John Nicola, CIO Rob Edel, CFO & Head of Private Capital Bijal Patel, and Managing Director, Real Estate Mark Hannah. Each professional shared their perspectives on the trends that are shaping the investing environment, and how these developments may impact investors and asset classes over the coming year.
Geopolitical Risks - Pandemic - Canada and the World - WE April 29 2022.pptxpaul young cpa, cga
The document provides an agenda for a presentation on geopolitical events and virus management. It includes sections on inflation, stock markets, wealth, COVID-19 cases/deaths/vaccinations, employment comparisons between the US and Canada, GDP forecasts, blogs on crisis management and the new normal, and summaries. Background information is provided on the presenter including their credentials and areas of expertise. A range of data sources are listed for the various presentation topics.
Bank of Canada hikes interest rates to combat High Inflation and High cost of...paul young cpa, cga
Summary:
High inflation is here to stay for awhile due to failed agendas of government.
Mitigating climate change is very important. The mitigation should be done through better policy including how to best support cheap energy costs. The focus should also be on policies and programs that support the green and circular economy.
Canada has lost it ways when it comes to encouraging innovation within the private and public sector. Trudeau policies have been a failure!
Liberals around the world should revisiting their so-called carbon pricing schemes. There is a better approach to protecting the environment while growing the economy in a sustainable way. https://www.slideshare.net/paulyoungcga/how-the-public-and-private-sector-can-better-supoort-the-circular-and-green-economies
Housing costs continue to rise! https://www.ctvnews.ca/business/interest-rate-hike-won-t-cool-housing-say-experts-1.5802515
1. Interest rates - https://wowa.ca/bank-of-canada-interest-rate
2. First interest hike since 2018 - https://www.bnnbloomberg.ca/bank-of-canada-hikes-rates-for-first-time-since-2018-1.1731177
3. Inflation - https://globalnews.ca/news/8654004/canada-interest-rate-hike-march-2022/
4. Inflation - https://www.bnnbloomberg.ca/boc-will-have-to-kill-the-economy-to-crush-inflation-rosenberg-1.1731579
5. UBI - https://www.ubiworks.ca/howtopay
6. Green inflation - https://www.advisor.ca/investments/market-insights/green-energy-low-supply-to-drive-copper-prices/
7. Inflation - https://www.bloomberg.com/opinion/articles/2022-03-02/biden-state-of-union-proposals-would-do-little-to-curb-inflation
8. Energy - https://www.tester.senate.gov/?p=press_release&id=8934
9. Oil - https://www.jwnenergy.com/article/2022/3/2/mayhem-reigns-in-oil-markets-as-traders-avoid-russ/
10. LNG - https://www.bnnbloomberg.ca/threat-to-europe-gas-supply-bolsters-push-on-new-u-s-lng-plants-1.1731478
11. Food security - https://www.newsweek.com/war-ukraine-global-food-security-crisis-opinion-1683791
12. Housing affordability - https://betterdwelling.com/canadian-housing-affordability-hits-the-worst-level-since-the-last-bubble-nbf/
13. Commodities - https://www.bloomberg.com/markets/commodities
China's annual "Two Sessions" legislative meetings outlined cautious policies for 2022 focused on economic stability and continuity amid domestic and global challenges. The government set a GDP growth target of around 5.5% and pledged support for businesses, employment, consumption, and financial risk prevention. Regarding foreign policy, China positioned itself as a supporter of multilateral solutions and free trade while opposing Western alliance-building and "third-party interference," and called for independent policies from countries like India and EU states.
China has seen tremendous growth since the 1990s as part of becoming the 2nd biggest economy in the world. China has many challenges to deal with including protecting environment through better environment policies as they relate to mining output, urban planning, forest, and land management.
1. China GDP - https://www.project-syndicate.org/commentary/why-is-china-gdp-growth-rate-falling-so-fast-by-shang-jin-wei-2021-11
2. Belt road - https://www.reuters.com/markets/europe/african-nations-mend-make-do-china-tightens-belt-road-2021-11-22/ or https://ca.finance.yahoo.com/news/1-china-meet-challenges-giant-130242556.html
3. China Manufacturing - https://www.sharecast.com/news/international-economic/chinas-manufacturing-output-retail-sales-strengthen--8554024.html
4. Mining - https://www.mining-technology.com/news/industry-news/iron-ore-price-plummets/
5. Housing - https://www.economist.com/finance-and-economics/2021/11/20/as-housing-costs-rocket-governments-take-aim-at-large-investors
6. Wealth - https://spainsnews.com/china-monopolizes-the-wealth-of-the-planet-but-shows-weaknesses-in-the-battle-for-world-economic-hegemony/
7. Critical metals - https://www.goodreturns.in/personal-finance/investment/10-most-precious-metals-in-the-world/articlecontent-pf25917-1230896.html
8. Lithium - https://www.mining.com/sqm-expects-lithium-prices-to-jump-50-before-year-end/
9. Batteries - https://www.autonews.com/manufacturing/ev-battery-boom-sparks-need-locally-sourced-metals
10. Climate Change - https://www.nature.com/articles/d41586-021-03491-6
11. Water - https://www.deccanherald.com/international/world-news-politics/china-could-be-preparing-for-water-war-in-asia-after-completing-serial-dams-in-tibet-1052487.html
12. Air quality https://www.aljazeera.com/news/2021/11/22/infographic-the-worlds-100-most-polluted-cities-interactive
13. Trade - https://panow.com/2021/11/16/canada-south-asian-bloc-to-begin-free-trade-talks-in-effort-to-diversify-from-china/
Geopolitical Risks - Pandemic - Canada and the World - WE May 7 2022.pptxpaul young cpa, cga
Summary:
COVID and other variants will continue to plague the world
Not enough is being done to address issues with the healthcare delivery model
More needs to be done to address the supply chain
More focus on other areas beyond climate change
Governments need to start addressing issues with tax reform, size of government, and productivity as part of address issues facing their tax base and economies.
Similar to 2022 Personal Finance Trends-References (20)
This document provides the syllabus for a Personal Finance course at Rutgers University. The key details include:
- The course covers topics like financial planning, banking, credit, investing, and retirement planning to help students develop important money management skills.
- Students' grades will be based on exams, assignments analyzing financial tools and products, and a group case study presentation.
- The goal is for students to gain knowledge and confidence to take control of their financial futures and make wise personal financial decisions.
Inflation Causes, Impacts, Mitigation Strategies, and BenefitsBarbara O'Neill
60-minute webinar for AFCPE on 05/11/23 that discusses the causes and impacts of inflation and several dozen strategies to mitigate the effects of higer prices on household budgets.
Income Tax Issues for Older Adults-02-23-UPDATED.pptxBarbara O'Neill
This document provides information about taxes and retirement planning for older adults in 2023. It discusses the standard deduction amounts for single and married filers both under and over age 65. It also summarizes the required minimum distribution percentages that must be withdrawn from retirement accounts each year starting at age 72, and how those percentages increase with the account owner's age. Lastly, it mentions the increased contribution limits for employer retirement plans and IRAs for those over age 50.
Barbara O'Neill has over 40 years of experience in personal finance education and research. She holds a Ph.D. in resource management and family economics and has authored or co-authored seven books. As an Extension Specialist at Rutgers University, she developed numerous personal finance programs and educational resources. She has received many awards for her contributions to the field and has held leadership roles in major professional associations.
This document provides strategies for older adults to fight inflation, including reducing spending on groceries, eating out, gas, utilities, clothing, and big ticket items. It recommends saving and investing strategies like laddering fixed income securities and considering I bonds, fixed annuities, and high yield savings accounts. Positive aspects of inflation include Social Security COLAs and the impact of inflation on debtors. The document outlines additional lifelines for all ages, like government benefits, and for older adults, like reverse mortgages and working in later life. It concludes by emphasizing developing an individual inflation-fighting plan through small, consistent habits.
This document discusses common sources of retirement income for farm families. It lists seven main sources: 1) Social Security, 2) income from off-farm jobs like pensions or retirement plans, 3) rental income from land/buildings/equipment, 4) individual retirement accounts, 5) simplified employee pensions for self-employed individuals, 6) investment income, and 7) continued income from the farm like crop/animal payments or agritourism. It also promotes an online course on later life farming from Rutgers Cooperative Extension.
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What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the what's app number of my personal pi vendor to trade with.
+12349014282
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the what'sapp contact of my personal pi vendor
+12349014282
5 Tips for Creating Standard Financial ReportsEasyReports
Well-crafted financial reports serve as vital tools for decision-making and transparency within an organization. By following the undermentioned tips, you can create standardized financial reports that effectively communicate your company's financial health and performance to stakeholders.
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...AntoniaOwensDetwiler
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
Seminar: Gender Board Diversity through Ownership NetworksGRAPE
Seminar on gender diversity spillovers through ownership networks at FAME|GRAPE. Presenting novel research. Studies in economics and management using econometrics methods.
Solution Manual For Financial Accounting, 8th Canadian Edition 2024, by Libby...Donc Test
Solution Manual For Financial Accounting, 8th Canadian Edition 2024, by Libby, Hodge, Verified Chapters 1 - 13, Complete Newest Version Solution Manual For Financial Accounting, 8th Canadian Edition by Libby, Hodge, Verified Chapters 1 - 13, Complete Newest Version Solution Manual For Financial Accounting 8th Canadian Edition Pdf Chapters Download Stuvia Solution Manual For Financial Accounting 8th Canadian Edition Ebook Download Stuvia Solution Manual For Financial Accounting 8th Canadian Edition Pdf Solution Manual For Financial Accounting 8th Canadian Edition Pdf Download Stuvia Financial Accounting 8th Canadian Edition Pdf Chapters Download Stuvia Financial Accounting 8th Canadian Edition Ebook Download Stuvia Financial Accounting 8th Canadian Edition Pdf Financial Accounting 8th Canadian Edition Pdf Download Stuvia
Abhay Bhutada, the Managing Director of Poonawalla Fincorp Limited, is an accomplished leader with over 15 years of experience in commercial and retail lending. A Qualified Chartered Accountant, he has been pivotal in leveraging technology to enhance financial services. Starting his career at Bank of India, he later founded TAB Capital Limited and co-founded Poonawalla Finance Private Limited, emphasizing digital lending. Under his leadership, Poonawalla Fincorp achieved a 'AAA' credit rating, integrating acquisitions and emphasizing corporate governance. Actively involved in industry forums and CSR initiatives, Abhay has been recognized with awards like "Young Entrepreneur of India 2017" and "40 under 40 Most Influential Leader for 2020-21." Personally, he values mindfulness, enjoys gardening, yoga, and sees every day as an opportunity for growth and improvement.
Yes of course, you can easily start mining pi network coin today and sell to legit pi vendors in the United States.
Here the what'sapp contact of my personal vendor.
+12349014282
#pi network #pi coins #legit #passive income
#US
BONKMILLON Unleashes Its Bonkers Potential on Solana.pdfcoingabbar
Introducing BONKMILLON - The Most Bonkers Meme Coin Yet
Let's be real for a second – the world of meme coins can feel like a bit of a circus at times. Every other day, there's a new token promising to take you "to the moon" or offering some groundbreaking utility that'll change the game forever. But how many of them actually deliver on that hype?
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the what'sapp number.
+12349014282
Lecture slide titled Fraud Risk Mitigation, Webinar Lecture Delivered at the Society for West African Internal Audit Practitioners (SWAIAP) on Wednesday, November 8, 2023.
Abhay Bhutada Leads Poonawalla Fincorp To Record Low NPA And Unprecedented Gr...Vighnesh Shashtri
Under the leadership of Abhay Bhutada, Poonawalla Fincorp has achieved record-low Non-Performing Assets (NPA) and witnessed unprecedented growth. Bhutada's strategic vision and effective management have significantly enhanced the company's financial health, showcasing a robust performance in the financial sector. This achievement underscores the company's resilience and ability to thrive in a competitive market, setting a new benchmark for operational excellence in the industry.
Abhay Bhutada Leads Poonawalla Fincorp To Record Low NPA And Unprecedented Gr...
2022 Personal Finance Trends-References
1. 2022 Personal Finance Year in Review Resource List
Inflation
Consumer price index (2022). Washington, DC. Bureau of Labor Statistics. https://www.bls.gov/cpi/
Inflation takes a toll on workers (2022). Center for Retirement Research at Boston College.
https://squaredawayblog.bc.edu/squared-away/inflation-takes-a-toll-on-workers/
Patterson, S. (2022, March 8). Gasoline prices climb above $4 a gallon. The Wall Street Journal.
https://www.wsj.com/articles/the-surge-in-gas-prices-isnt-slowing-down-11646627663
Harrison, D. (2022, May 7-8). Inflation eclipses strong wage gains. The Wall Street Journal.
https://www.wsj.com/articles/inflation-eclipses-aprils-historically-strong-wage-gains-11651854549
Ardel-Baqui, O. & Singh, H. (2002, June 13). No relief in sight as gas tops $5 a gallon. The Wall Street
Journal. https://www.wsj.com/articles/gasoline-prices-reach-5-a-gallon-nationwide-for-the-first-time-
11654910506
McCorvey, J.J., Kelse, A. & Whitton, B. (2022, July 16-17). Up, up, up. The Wall Street Journal. B1, B4.
Torchinsky, R. (2022, August 20-21). Child-rearing expenses soar amid inflation. The Wall Street
Journal, A3.
Blunt, K. & Hiller, J. (2022, Sept. 19). Electric bills rise nationwide as natural-gas prices climb. The Wall
Street Journal. https://www.wsj.com/articles/electric-bills-soar-across-the-country-as-winter-looms-
11663493404
Ip, G. (2022. Sept. 28). Markets now brace for a hard landing. The Wall Street Journal.
https://www.wsj.com/articles/markets-brace-for-hard-landing-as-fed-delivers-sobering-message-
11663816181
Guilford, G. (2022, Oct. 14). Core inflation revs to a new high. The Wall Street Journal.
https://www.wsj.com/articles/us-inflation-september-2022-consumer-price-index-11665628037
Who’s to blame for inflation? (2002, June 14). Money Scoop (subscription news service)
Guilford, G. & Timiraos, N. (2022, Nov. 11). Easing inflation fuels stock surge. The Wall Street Journal,
A1, A8. https://www.wsj.com/articles/global-stocks-markets-dow-update-11-11-2022-11668166964
Interest Rates
Federal Reserve issues FOMC statement (2022, Sept. 21). Washington, DC. Board of Governors of the
Federal Reserve System.
https://www.federalreserve.gov/newsevents/pressreleases/monetary20220921a.htm
Federal Open Market Committee meeting calendars, statements, and minutes (2022). Washington, DC.
Board of Governors of the Federal Reserve System.
https://www.federalreserve.gov/monetarypolicy/fomccalendars.htm
Timiraos, N. (2022, June 16). Fed lifts rates by most since ’94. The Wall Street Journal.
https://www.wsj.com/articles/fed-raises-rates-by-0-75-percentage-point-largest-increase-since-1994-
11655316170
2. Timiraos, N. (2022, July 28). Fed lifts rates by 0.75 point again. The Wall Street Journal.
https://www.wsj.com/articles/fed-raises-interest-rates-by-0-75-percentage-point-11658944935
Timiraos, N. (2022, Sept. 22). Fed lifts rate, signals more, sinking stocks. The Wall Street Journal.
https://www.wsj.com/articles/fed-raises-interest-rates-by-0-75-percentage-point-for-third-straight-
meeting-11663783397
Timiraos, N. (2022, Oct. 13). Persistent high inflation worried Fed. The Wall Street Journal.
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Torry, H. (2022, July 29). GDP drop stokes recession fears. The Wall Street Journal.
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Carpenter, J. (2022, Nov. 3). How Fed rate rises affect you. The Wall Street Journal.
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Savings
Personal savings rate (2022). Washington, DC: U.S. Bureau of Economic Analysis:
https://fred.stlouisfed.org/series/PSAVERT
Vozza, S. (2022, Sept. 30). Average bank interest rates: checking, savings, and money market. Value
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Lahart, J. (2022, June 24). Americans’ cash hoard could cushion a downturn. The Wall Street Journal.
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Ensign, R.L.& McCaffery, O. (2022, July 6). Americans begin to draw down pandemic-era savings. The
Wall Street Journal. https://www.wsj.com/articles/americans-tap-pandemic-savings-to-cope-with-
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Pinsker, J. (2022, Oct. 4). Why higher interest rates aren’t reaching your savings account. The Wall Street
Journal. https://www.wsj.com/articles/why-interest-rates-are-rising-everywhereexcept-your-savings-account-
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What is the average interest rate for savings accounts? (2022, Nov. 10). Bankrate:
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Housing
Mortgage rates and affordability (2022). Freddie Mac.
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Friedman, N. (2022, Feb. 8). Middle class gets priced out of homes. The Wall Street Journal.
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McCaffrey, O. (2022, May 3). Home buyers battle rising loan rates. The Wall Street Journal.
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McCaffrey, O. (2022, May 11). Mortgage refi boom runs out of steam. The Wall Street Journal.
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3. McCaffrey, O. (2022, June16). Home Equity Hits Record $27.8 trillion. The Wall Street Journal.
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Parker, W. (2022, June 28). Tight housing market ignites hot bidding wars for rentals. The Wall Street
Journal, A1, A2.
Friedman, N. (2022, Sept. 23). Home sellers are scarce as rates rise. The Wall Street Journal.
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Friedman, N. (2022, Aug. 13-14). Home affordability is worst since ’89. The Wall Street Journal.
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Eisen, B. (2022, Oct. 14). Mortgage rates hit 6.92%, highest in decades. The Wall Street Journal.
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Friedman, N. (2022, Oct. 22-23). Climbing interest rates crimp U.S. home sales. The Wall Street Journal.
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Olick, D. (2022, Oct. 20). Existing home sales fall to a 10-year low in September, as mortgage rates soar.
CNBC. https://www.cnbc.com/2022/10/20/existing-home-sales-fall-to-a-10-year-low-in-september.html
Parker, W. (2002, Oct. 26). Apartment demand cools after sharp increase in rents. The Wall Street
Journal, A1, A2. https://www.wsj.com/articles/inflation-driven-record-rents-mean-more-people-are-
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Kane, L. & Gopal, P. (2002, Oct. 27). U.S. Mortgage rates soar past 7% for first time in two decades.
Bloomberg. https://www.bloomberg.com/news/articles/2022-10-27/us-mortgage-rates-soar-past-7-for-
first-time-in-two-decades
Friedman, N. (2022, Nov. 19-20). Home sales decline again as mortgage-rate rise stings. The Wall Street
Journal, A3. https://www.wsj.com/articles/home-price-growth-slows-under-tide-of-rising-mortgage-rates-
11668081602
Taxes
Required minimum distributions for IRA beneficiaries (2022). Internal Revenue Service.
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News releases for current month (2022). Internal Revenue Service. https://www.irs.gov/newsroom/news-
releases-for-current-month
Retirement topics- contributions (2022). ). Internal Revenue Service. https://www.irs.gov/retirement-
plans/plan-participant-employee/retirement-topics-contributions
2022 filing season statistics (2022). Internal Revenue Service: https://www.irs.gov/newsroom/filing-
season-statistics-for-week-ending-may-20-2022#
Lenkowsky, L. (2022, Jan. 29-30). If you got the child tax credit in 2021, you may pay in 2022. The Wall
Street Journal. https://www.wsj.com/articles/if-you-got-the-child-tax-credit-in-2021-you-may-pay-in-
2022-income-payments-payouts-11643407166
Rubin, R. (2022, May 10). IRS pays billions on delayed refunds. The Wall Street Journal.
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4. Rubin, R. (2022, Sept. 28). IRS erred on child tax credit payments. The Wall Street Journal.
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DeAvila, J. & Azu, L. (2022, Oct. 16). States push sales-tax holidays as prices rise. The Wall Street
Journal. https://www.wsj.com/articles/states-expand-sales-tax-holidays-as-americans-feel-price-
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Ebeling, A. (2022, Aug. 23). How to navigate EV tax credits. The Wall Street Journal.
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Ebeling, A. (2022, Oct. 10). IRS delays new guidelines for some inherited IRAs until 2023. The Wall
Street Journal. https://www.wsj.com/articles/irs-delays-new-guidelines-for-inherited-iras-11665182415
Credit
CFPB estimates $88 billion in medical bills on credit reports. Washington, DC: Consumer Financial
Protection Bureau. https://www.consumerfinance.gov/about-us/newsroom/cfpb-estimates-88-billion-in-
medical-bills-on-credit-reports/
Andriotis, A. (2022, April 30-May 1). Personal loans make a comeback. The Wall Street Journal.
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Andriotis, A. (2022, May 20). Subprime borrowers struggle with car loans, credit cards. The Wall Street
Journal. https://www.wsj.com/articles/more-subprime-borrowers-are-missing-loan-payments-
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Kelce, A. (2022, July 12). Credit reports remove some old medical debt. The Wall Street Journal.
https://www.wsj.com/articles/about-70-of-medical-debt-is-being-wiped-off-credit-reports-what-that-
means-for-you-11657537200
Ackerman, A. & Andriotis, A. (2022, Aug. 3). Equifax sent lenders wrong credit scores. The Wall Street
Journal. https://www.wsj.com/articles/equifax-sent-lenders-inaccurate-credit-scores-on-millions-of-
consumers-11659467483
Carpenter, J. (2022, August 10). How to deal with fallout from Equifax score error. The Wall Street
Journal. https://www.wsj.com/articles/worried-about-your-equifax-credit-score-heres-what-to-do-
11660010492
Andriotis, A. (2022, Oct. 29). Card debt rebounds to 2019 levels. The Wall Street Journal.
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Student Loans
Public service loan forgiveness (2022). Washington, DC: Federal Student Aid.
https://studentaid.gov/manage-loans/forgiveness-cancellation/public-service
Biden-Harris Administration Announces Final Student Loan Pause Extension Through December 31 and
Targeted Debt Cancellation to Smooth Transition to Repayment (2022). Washington, DC: U.S.
Department of Education. https://www.ed.gov/news/press-releases/biden-harris-administration-
announces-final-student-loan-pause-extension-through-december-31-and-targeted-debt-cancellation-
smooth-transition-repayment
5. Rubin, G.T. & Restuccia, A. (2022, April 7). Student borrowers get fresh extension. The Wall Street
Journal, A3.
Restuccia, A. & Rubin, G.T. (2022, October 18). Student loan relief portal is now open. The Wall Street
Journal. https://www.wsj.com/articles/biden-administration-launches-application-portal-for-student-loan-
forgiveness-11666037285
Student-loan forgiveness plan on hold: How the lawsuits affect you (October 25, 2022). The Wall Street
Journal. https://www.wsj.com/podcasts/your-money-matters/student-loan-forgiveness-plan-on-hold-how-
the-lawsuits-affect-you/7734dd11-14ab-4737-80be-8e2a990dfabe
Rubin, G.T. (2022, Nov. 12-13). Biden’s student-loan relief faces mounting legal hurdles. The Wall Street
Journal. https://www.wsj.com/articles/biden-administrations-student-loan-relief-faces-mounting-legal-
hurdles-11668195178
Cars
Kelly, R., Kulka, C., & Vasan, A. (2022, February 24). Rising car prices means more auto loan debt.
Washington, DC: Consumer Financial Protection Bureau. https://www.consumerfinance.gov/about-
us/blog/rising-car-prices-means-more-auto-loan-debt/
Eckert, N. (2022, Feb 12-13). Used-car prices surge past original value of some models. The Wall Street
Journal. https://www.wsj.com/articles/why-the-car-in-your-garage-may-be-gaining-value-11644575402
Felton, R. (2022, May 16). Soaring prices for used cars start to ease. The Wall Street Journal.
https://www.wsj.com/articles/used-car-buyers-are-seeing-relief-on-once-soaring-prices-11652529601
Colias, M. & Eckert, N. (2022, Feb. 26-27). The new sticker shock. The Wall Street Journal.
https://www.wsj.com/articles/a-new-brand-of-sticker-shock-hits-the-car-market-11645851648
Eckert, N. & Rogers, C. (2022, March 14). Buyers struggle to find fuel-efficient car options. The Wall
Street Journal. https://www.wsj.com/articles/as-gas-prices-soar-buyers-find-fewer-fuel-efficient-car-
options-11647163804
Eckert, N. (2022, March 25). Car buyers lease fewer vehicles. The Wall Street Journal.
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Cronin, B. (2022, July 2). Monthly car payments have crossed a record $700. What that means. NPR.
https://www.npr.org/2022/07/02/1109105779/monthly-car-payments-record-700
Eckert, N. (2022, May 24). Average age of vehicles on road rises to record. The Wall Street Journal.
https://www.wsj.com/articles/the-average-age-of-vehicles-on-u-s-roadways-hits-a-record-12-2-years-11653303602
Andriotis, A. (2022, July 1). Higher prices, rates boost car-loan costs. The Wall Street Journal.
https://www.wsj.com/articles/the-1-000-car-loan-payment-higher-prices-interest-rates-push-up-monthly-
costs-11657364580
Tucker, S. (2022, Nov. 9). New car prices nearing all-time high again. Kelley Blue Book:
https://www.kbb.com/car-news/new-car-prices-nearing-all-time-high-again/
Shopping
CFPB study details the rapid growth of “Buy Now, Pay Later” lending. (2022, Sept. 15). Washington,
DC: Consumer Financial Protection Bureau. https://www.consumerfinance.gov/about-us/newsroom/cfpb-
study-details-the-rapid-growth-of-buy-now-pay-later-lending/
6. Pohle, A. (2022, Feb. 9). Buy-now, pay-later travel is booming. The Wall Street Journal.
https://www.wsj.com/articles/buy-now-pay-later-travel-11644269159
Gasparro, A. & Kang, J. (2002, May 13). Formula shortage to linger for months. The Wall Street Journal.
https://www.wsj.com/articles/baby-formula-shortage-could-last-months-11652371827
Wolfe, R. & Terlep, S. (2022, May 5). Americans spend, travel and shop like it’s 2019. The Wall Street
Journal. https://www.wsj.com/articles/american-consumers-travel-gyms-shopping-11651673590
Kang, J. & Gasparro, A. (2022, June 13). Food prices keep going up as costs surge. The Wall Street
Journal. https://www.wsj.com/articles/food-prices-to-keep-going-up-as-costs-surge-11654939800
Andriotis, A. (2022, June 25-26). Refunds are tricky when paying later. The Wall Street Journal.
https://www.wsj.com/articles/shopping-with-buy-now-pay-later-is-easy-getting-a-refund-is-harder-11656051506
Andriotis, A. (2022, Oct. 14). Pay-later programs left out of credit reports. The Wall Street Journal.
https://www.wsj.com/articles/buy-now-pay-later-is-still-a-credit-score-blind-spot-11665633039
Insurance
Measuring price change in the CPI: Motor vehicle insurance. Washington, DC: U.S. Bureau of Labor
Statistics. https://www.bls.gov/cpi/factsheets/motor-vehicle-insurance.htm
Scism, L. (2022, Feb. 10). Car insurers rush to raise premiums. The Wall Street Journal.
https://www.wsj.com/articles/car-insurers-rush-to-raise-rates-as-inflation-takes-a-toll-11644415201
Scism, L. (2022, March 16). Life-insurance sales rise on Covid fears. The Wall Street Journal.
https://www.wsj.com/articles/u-s-life-insurance-sales-spike-on-covid-19-fears-11647347494
Fontana, F. (2022, April 4). Thanks to the pandemic, more young adults buy life insurance- if they can get
it. The Wall Street Journal. https://www.wsj.com/articles/young-adults-life-insurance-11648844790
Scism, L. (2022, May 31). Car-insurance bills are on the rise. The Wall Street Journal.
https://www.wsj.com/articles/car-insurance-bills-are-rising-with-more-increases-to-come-11653730381
Ermey, R. (2022, Oct. 6). The 10 states where home insurance rates are rising the fastest- and none are
New York or California. CNBC. https://www.cnbc.com/2022/10/06/states-where-home-insurance-rates-
are-rising-fastest.html
Bishop, L. (2022, Oct. 7). Average cost of renters insurance. Value Penguin.
https://www.valuepenguin.com/average-cost-renters-insurance
Employment and Jobs
The employment situation-September 2022 (2022, Oct. 7). Washington, DC: Bureau of Labor Statistics.
https://www.bls.gov/news.release/pdf/empsit.pdf
Civilian labor force participation rate (2022). Washington, DC: Bureau of Labor Statistics.
https://www.bls.gov/charts/employment-situation/civilian-labor-force-participation-rate.htm
Mena, B. (2022, May 3). U.S. job openings, quits reached records in March. The Wall Street Journal.
https://www.wsj.com/articles/job-openings-us-growth-labor-market-turnover-march-2022-11651529531
Harter, J. (2022, Sept. 6). Is quiet quitting real? Gallup. https://www.gallup.com/workplace/398306/quiet-
quitting-real.aspx
7. Goldstein, D. (2022, Oct. 13). Why you can’t find child care: 100,000 workers are missing. The New York
Times. https://www.nytimes.com/2022/10/13/us/child-care-worker-shortage.html
Lahart, J. (2022, March 5-6). The job market is getting even tighter. The Wall Street Journal.
https://www.wsj.com/articles/job-market-looks-even-tighter-as-covid-19-recedes-11646414426
Cambon, S.C. (2022, Sept. 30). Companies keep hiring despite slowing economy. The Wall Street
Journal. https://www.wsj.com/articles/labor-market-layoffs-inflation-recession-11664462809
Fraser, J. (2022, Aug. 4). ‘Permanent shock’ to nursing homes? Facilities fail to replace workers who quit
after COVID outbreaks. USA Today.
https://www.usatoday.com/story/news/investigations/2022/08/04/nursing-home-jobs-workers-quit-pay-
covid-outbreaks/10219487002/
Smith, R.A. (2022, Oct. 11). Pay transparency brings changes to the job hunt. The Wall Street Journal.
https://www.wsj.com/articles/salary-ranges-bring-changes-to-the-job-hunt-11665263465
Cutter, C. (2022, Oct. 31). New job postings reveal salary ranges. The Wall Street Journal, A1, A2.
https://www.wsj.com/articles/jpmorgan-macys-and-other-companies-reveal-what-they-pay-workers-as-
deadline-looms-11667086200
Herrera, S. & Mattioli, D. (2022, Nov. 17). Amazon to start trimming corporate ranks. The Wall Street
Journal, B1. https://www.livemint.com/companies/news/amazon-confirms-corporate-staff-cuts-that-
could-hit-10-000-employees-11668688177938.html
General Investing
Investor education (2022, April 15). Washington, DC: U.S. Securities and Exchange Commission.
https://www.sec.gov/education/investor-education
McCabe, C. (2022, May 16). Investors stay put, lacking choices. The Wall Street Journal.
https://www.wsj.com/articles/investors-stay-put-because-they-cant-think-of-better-options-11652616000
Grossman, M. (2022, October 3). Treasuries lure hard-hit investors. The Wall Street Journal, B1, B8.
Rabouin, D. (2022, Oct. 13). Inflation bond pays 10% but not for long. The Wall Street Journal.
https://www.wsj.com/articles/that-sky-high-i-bond-interest-rate-will-be-coming-down-to-earth-
11665541224
Banerji, G. (2022, May 4). In investor dilemma, stocks and bonds fall in tandem. The Wall Street Journal.
https://www.wsj.com/articles/stocks-and-bonds-are-falling-in-lockstep-at-pace-unseen-in-decades-11651551170
Scism, L. (2022, July16-17). Investors pile into fixed annuities. The Wall Street Journal.
https://www.wsj.com/articles/investors-pour-cash-into-higher-yielding-fixed-annuities-11657877401
Ensign, R.L, (2022, Oct. 25). Brokered deposit rates hit 4.5%. The Wall Street Journal.
https://www.wsj.com/articles/banks-are-offering-4-5-cdsjust-not-to-regular-customers-11666553764
Dagher, V. (2022, Oct 28.). Deadline rush to buy I bonds taxes website. The Wall Street Journal.
https://www.wsj.com/articles/as-investors-scramble-to-buy-i-bonds-treasurydirect-site-has-outages-
11666817951
Stocks
Securing futures (2022). Washington, DC: U.S. Securities and Exchange Commission.
https://www.sec.gov/
8. Investor alerts and bulletins (2022). Washington, DC: U.S. Securities and Exchange Commission.
https://www.sec.gov/investor/alerts
Ostroff, C. & Vigna, P. (2022, Jan. 4). Dow, S&P start year by hitting records. The Wall Street Journal.
https://www.wsj.com/articles/global-stock-markets-dow-update-01-03-2022-11641200978
Banerji, G. & Langley, K. (2022). Investors bolt for safer assets amid turmoil. The Wall Street Journal.
https://www.wsj.com/articles/investors-dash-for-shelter-during-ukraine-crisis-market-turmoil-11647218220
Singh, H. & McCabe, C. (2022, April 23-24). Earnings, rate worries hit stocks. The Wall Street Journal,
A1, A2.
Timiraos, N. (2022, June 14). Markets dive, Fed eyes bigger rise. The Wall Street Journal. A1, A9.
Otani, A. (2022, July 1). Markets post worst first half of year in decades. The Wall Street Journal.
https://www.wsj.com/articles/markets-head-toward-worst-start-to-a-year-in-decades-11656551051
Banerji, G. & Dulaney, C. (2022, Sept. 24-25). Dow falls to lowest of 2022 in selloff. The Wall Street
Journal. https://www.wsj.com/articles/global-stocks-markets-dow-update-09-23-2022-11663930088
Singh, H. & Wallace, J. (2022, Sept. 27). Blue chips slide into bear market. The Wall Street Journal, A1,
A2. https://www.wsj.com/articles/global-stocks-markets-dow-update-09-26-2022-11664189614
Otani, A. & Langley, K. Whiplash in stock market shows investors are still on edge. The Wall Street
Journal. https://www.wsj.com/articles/whiplash-in-stock-market-shows-investors-are-still-on-edge-11665871144
Moreano, G. (2022, April 21). 5 popular investment trends right now (Q2 2022). Fidelity.
https://www.fidelity.com/insights/investing-ideas/popular-investing-trends
Cryptocurrency
SEC nearly doubles size of enforcement’s crypto assets and cyber unit. Washington, DC: U.S. Securities
and Exchange Commission. https://www.sec.gov/news/press-release/2022-78
SEC charges Kim Kardashian for unlawfully touting crypto security. Washington, DC: U.S. Securities
and Exchange Commission. https://www.sec.gov/news/press-release/2022-183
Tergesen, A. (2022, April 26). Fidelity to allow bitcoin in 401(k)s. The Wall Street Journal.
https://www.wsj.com/articles/fidelity-to-allow-retirement-savers-to-put-bitcoin-in-401-k-accounts-
11650945661
Warnings from the crypto crash (2022, May 13). Warnings from the crypto crash. The Wall Street
Journal. https://www.wsj.com/articles/warnings-from-the-crypto-currency-crash-stablecoin-liquidity-
terrausd-11652390321
Telesca, J. (2022, May 9). Digital currencies fall with risk assets. The Wall Street Journal.
https://www.wsj.com/articles/crypto-prices-slump-over-weekend-11652011356
Osipovich, A. & Ostroff, C. (2022, May 28-29). TerraUSD crash left trail of broken dreams. The Wall
Street Journal. https://www.wsj.com/articles/terrausd-crash-led-to-vanished-savings-shattered-dreams-
11653649201
Driebusch, C. & Vigna, P. (2022, June 18-19). The crypto party is over. The Wall Street Journal.
https://www.wsj.com/articles/the-crypto-party-is-over-11655524807
9. Brown, E. & Ostroff, C. (2022, June 30). Pitched as safer than a bank, crypto giant proved riskier. The
Wall Street Journal. https://www.wsj.com/articles/behind-the-celsius-sales-pitch-was-a-crypto-firm-built-
on-risk-11656498142
Osipovich, A. & Ostroff, C. (2022, May 13). Stablecoin crash shakes crypto: ‘Run on the bank’. The Wall
Street Journal. https://www.wsj.com/articles/crash-of-terrausd-shakes-crypto-there-was-a-run-on-the-
bank-11652371839
Huang, V.G. (2022, Oct. 13). Betterment launches crypto portfolios. The Wall Street Journal.
https://www.wsj.com/articles/robo-adviser-betterment-launches-customized-crypto-portfolios-
11665547614
Michaels, D. (2022, Oct. 4). SEC fines Kardashian for touting crypto. The Wall Street Journal.
https://www.wsj.com/articles/kim-kardashian-paying-1-26-million-to-settle-sec-investigation-into-role-in-
crypto-deal-11664798793
Ostroff, C., Huang, V.G., & Gladstone (2022, Nov. 12-13). Crypto platform FTX says it’s bankrupt. The
Wall Street Journal. https://www.wsj.com/articles/ftx-files-for-chapter-11-bankruptcy-11668176869
Linares, M. (2022, Aug. 8). Crypto ATMs lose traction in tarnished ATM market. Forbes.
https://www.forbes.com/sites/mariagraciasantillanalinares/2022/08/08/crypto-atms-lose-traction-in-
tarnished-market/
2022 Trend Tidbits
Starting your retirement benefits early (2022). Washington, DC: Social Security Administration.
https://www.ssa.gov/benefits/retirement/planner/agereduction.html
Marcus, A.D. (2022, April 1.). Human genome map is completed. The Wall Street Journal.
https://www.wsj.com/articles/first-gapless-human-genome-map-is-unveiled-years-after-earlier-effort-
11648750303
Wedell, K. (2022, Aug19). Why 30% of Americans haven’t been to the dentist since before the pandemic.
USA Today. https://www.usatoday.com/story/money/2022/08/19/reasons-americans-avoid-dentist-dental-
insurance/10348042002/
Ensign, R.L. & Rubin, R. (2022, Jan. 4). Some families brace for end of tax break. The Wall Street
Journal. https://www.wsj.com/articles/monthly-child-tax-credit-payments-cease-ending-cushion-for-
family-budgets-11641205801
Nguyen, N. (2022, Aug. 22). Spam robotexts are surging. The Wall Street Journal.
https://www.wsj.com/articles/spam-texts-are-surging-heres-how-to-avoid-being-swindled-11661028971
Duehren, A. (2022, June 3).Social Security reserves seen depleted in 2035, report says. The Wall Street
Journal. https://www.wsj.com/articles/social-security-reserves-expected-to-be-depleted-in-2035-year-
later-than-prior-projection-11654199367
Mitchell, J. & Torry, H. (2022, July 28). What is a recession and are we in one now?. The Wall Street
Journal. https://www.wsj.com/articles/what-is-a-recession-and-are-we-in-one-now-11655392738
La Gorce, T. (2022, Feb. 10). It’s a boom year for brides and grooms. The New York Times.
https://www.nytimes.com/2022/02/04/fashion/weddings/wedding-boom-year.html#
10. Cox, J. (2022, Oct. 21). An often-overlooked economic measure is signaling serious trouble ahead.
CNBC. https://www.cnbc.com/2022/10/20/an-often-overlooked-economic-measure-is-signaling-serious-
trouble-ahead.html
Governmental Actions
No surprises: Understand your rights against surprise medical bills. Washington, DC: Centers for
Medicare and Medicaid Services. https://www.cms.gov/newsroom/fact-sheets/no-surprises-understand-
your-rights-against-surprise-medical-bills
Ebeling, A. (2022, July 14). Estate-tax savings made easier. The Wall Street Journal.
https://www.wsj.com/articles/irs-gives-wealthy-families-more-time-to-shelter-assets-from-estate-tax-11657771260
Barrington, R. (2022, Oct. 14). States where financial literacy education is working. MoneyRates.
https://www.moneyrates.com/research-center/financial-literacy.htm
Devilbiss, A. (2022, July 9). SC becomes 15th
state to require personal finance course for high school
graduates. ABC 15 News. https://wpde.com/news/local/south-carolina-becomes-15th-state-to-require-
personal-finance-course-for-high-school-graduates
Fact Sheet: Four ways the Inflation Reduction Act’s tax incentives will support building an equitable
clean energy environment (2022). Washington, DC: U.S. Treasury Department.
https://home.treasury.gov/system/files/136/Fact-Sheet-IRA-Equitable-Clean-Energy-Economy.pdf
Hardy, A. (2022, Aug. 16): 4 ways the Inflation Reduction Act will save you money. Money.
https://money.com/inflation-reduction-act-save-you-money/
Rubin, R. (2022, Nov. 16). Tax breaks in the mix for Congress during lame-duck session. The Wall Street
Journal. https://www.wsj.com/articles/tax-breaks-for-retirement-corporate-research-on-congresss-lame-
duck-agenda-11668521678
Greenberg, G. (2022, Nov. 28). Less than half of U.S. high school students currently receive instruction in
personal finance. Investment News. https://www.investmentnews.com/are-your-clients-kids-learning-the-
basics-of-money-management-229451
2023 Annual Limit Updates
IRS provides tax inflation adjustments for tax year 2023 (2022, Oct. 18). Washington, DC: Internal
Revenue Service. https://www.irs.gov/newsroom/irs-provides-tax-inflation-adjustments-for-tax-year-
2023#
401(k) limit increases to $22,500 for 2023, IRA limit rises to $6,500 (2022, Oct. 21). Washington, DC:
Internal Revenue Service https://www.irs.gov/newsroom/401k-limit-increases-to-22500-for-2023-ira-
limit-rises-to-6500
2023 Social Security changes (2022). Washington, DC: Social Security Administration.
https://www.ssa.gov/news/press/factsheets/colafacts2023.pdf
Rubin, R. (2022, Oct. 19). IRS to raise tax brackets, standard deduction by 7%. The Wall Street Journal.
https://www.wsj.com/articles/inflation-causes-irs-to-raise-tax-brackets-standard-deduction-by-7-
11666116021
Tergesen, A. (2022, Oct. 14). Social Security checks to grow by 8.7%. The Wall Street Journal.
https://www.wsj.com/articles/social-security-benefits-to-increase-in-2023-11665665206