I have been fascinated by demographics for years and have written a number of papers and blogs on life expectancy in the U.S. Sadly, overall life expectancy in the U.S. decreased from 78.8 years in 2019 to 76.1 years in 2022. The 2022...
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In late September, I posted a blog (Is the Consumer About to Be Tapped Out?) that focused on the fact that the extra savings that had been accumulated by households during the pandemic are largely depleted. Given that the consumer represents 68% of...
Just four days ago, I posted a blog pointing out that office vacancies are at a record high both in the U.S. and the rest of the industrialized world. I went on to suggest that we should watch developments in this sector closely...
The financial press is always loaded with varying opinions regarding the likely path forward for the economy and one of today’s hot topics is whether we will experience a “hard” or “soft” landing as a result of the FED’s efforts to reduce inflation...
Bloomberg recently reported that the percent of subprime auto borrowers at least 60 days past due rose to the highest level since this data was first collected in 1994. First, new and used car prices are up 21% and 35%, respectively, since the...
Bloomberg recently reported that annual income of $114,000 is now required to purchase the average home in the U.S. assuming a sales price of $412,000, a 20% down payment, and a 7.2% mortgage rate. As shown below, the comparable income requirement just ten...