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NEWS AND ANNOUNCEMENTS

Weekly Economic Update - 1/21/2019

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Upcoming Event:

Click here for details and to register for our next Meld University event: Estate Planning. The class will be held on Tuesday, December 4th at Birmingham Botanical Gardens. There is no cost to register, but seating is limited.

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Meld Financial, Inc. Presents:

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Weekly Economic Update

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Weekly Tip
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Most loan payments are scheduled monthly, but if you cut a monthly payment in half and pay it every two weeks, there will be two months per year when you make three payments instead of two. This can help you make 13 months of payments in 12, so you can pay down a loan more quickly.

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Weekly Quote
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“Always seek out the seed of triumph in every adversity.” - OG Mandino

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Weekly Riddle
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Round like an orange, deep like a cup, set in the earth, and nothing can pull it up. What is it?

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Last Week's Riddle
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What speaks, also listens, and has ten digits yet no hands?

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Last week's answer:
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A phone.

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Consumer Sentiment Hits a 2-Year Low

Analysts surveyed by MarketWatch thought the University of Michigan’s preliminary January consumer sentiment index would display a reading of 97.5. Instead, it came in at just 90.7, dropping 7.6 points from its final December mark to its lowest level since October 2016. Richard Curtin, the economist who has long overseen the university’s survey, attributed the slip not only to households reacting to the partial federal government shutdown, but also to “the impact of tariffs, instabilities in financial markets, the global slowdown and the lack of clarity about monetary policies.”1

Hints of a Thaw In U.S.-China Trade Negotiations

Investors were encouraged Friday by news that China had offered a plan to reduce its trade surplus with the U.S. from more than $320 billion to $0 by 2024. The concept, first presented to U.S. trade officials earlier this month, would involve China buying $45 billion more in U.S. goods this year and incrementally more in the five years to follow. Whether the strategy would work is questionable, as America’s strong ongoing demand for Chinese products is arguably the biggest factor in the trade imbalance. Nevertheless, stocks rallied after the news. A day earlier, a Wall Street Journal story noted that U.S. officials were considering easing current tariffs on Chinese imports in exchange for such concessions.2,3

Oil Rises 4.3% In a Week

As a result of that gain, WTI crude was worth $53.80 per barrel on the New York Mercantile Exchange at Friday’s close. The latest developments in U.S.-China trade negotiations and the sharpest weekly pullback in the U.S. rig count since 2016 helped to push the price higher.3

An Early Earnings Scorecard

Through Friday, 11% of S&P 500 firms had reported Q4 results. Seventy-six percent of those companies reported actual earnings-per-share exceeding projections, and 56% beat revenue estimates. As the trading week ended, stock market analytics firm FactSet projected year-over-year earnings growth of 10.6% for all S&P constituents for Q4. While this would represent a fifth consecutive quarter of double-digit improvement, such an advance would be the smallest since Q4 2017. Last week, all three major U.S. equity indices rose; you will find their weekly and YTD performances below, along with last Friday’s settlements.4

THIS WEEK

U.S. financial markets are closed Monday as the nation observes Martin Luther King, Jr. Day. | Capital One, Fifth Third, GATX, Halliburton, IBM, Johnson & Johnson, TD Ameritrade, Travelers Companies, UBS Group, Union Bank, and Zions Bancorp report earnings Tuesday, and investors also consider December existing home sales figures. | Wednesday’s earnings parade includes Abbott Labs, Comcast, Ford Motor Co., Kimberly-Clark, Northern Trust, Procter & Gamble, and Texas Instruments. | Firms reporting Thursday include Alaska Air, American Airlines, Bristol-Myers, Discover, Freeport McMoRan, Intel, JetBlue, Norfolk Southern, Starbucks, Union Pacific, and Western Digital; beyond the earnings news, a new initial claims report and the Conference Board’s latest index of leading indicators emerge. | AbbVie, Colgate-Palmolive, D.R. Horton, and NextEra Energy announce earnings Friday; data on December new home sales and durable goods orders may be released if the partial federal government shutdown ends.

MARKET INDEXY-T-D CHG1-MO CHG1-YR CHG
DJIA24,706.35+2.96+5.91
NASDAQ7,157.23+2.66+7.87
S&P 5002,670.71+2.87+6.54
YIELD1/4 RATE1 MO AGO1 YR AGO
10 YEAR NOTE2.75+0.04+0.06

Sources: wsj.com, treasury.gov - 1/18/195,6,7

Indices are unmanaged, do not incur fees or expenses, and cannot be invested into directly. These returns do not include dividends. Weekly and year-to-date market index returns are expressed as percentages. 10-year Treasury note yield = projected return on investment, expressed as a percentage, on the U.S. government’s 10-year bond. Weekly and year-to-date 10-year Treasury note yield differences are expressed in basis points.

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Upcoming Event:

Click here for details and to register for our next Meld University event: Estate Planning. The class will be held on Tuesday, December 4th at Birmingham Botanical Gardens. There is no cost to register, but seating is limited.

[/et_pb_text][et_pb_text admin_label="Contact Info - Text" _builder_version="3.0.86" background_layout="light"]

Meld Financial, Inc.

P.O. Box 43626

Birmingham, AL 35243

Phone: 205-967-4200

Email: Meld@meldfinancial.com

www.meldfinancial.com

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Securities offered through Triad Advisors, LLC. Member FINRA/SIPC.

Advisory services offered through Meld Financial, Inc.

Triad Advisors and Meld Financial are not affiliated.

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This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. The information herein has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. Investments will fluctuate and when redeemed may be worth more or less than when originally invested. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All market indices discussed are unmanaged and are not illustrative of any particular investment. Indices do not incur management fees, costs, or expenses. Investors cannot invest directly in indices. All economic and performance data is historical and not indicative of future results. The Dow Jones Industrial Average is a price-weighted index of 30 actively traded blue-chip stocks. The NASDAQ Composite Index is a market-weighted index of all over-the-counter common stocks traded on the National Association of Securities Dealers Automated Quotation System. The Standard & Poor's 500 (S&P 500) is a market-cap weighted index composed of the common stocks of 500 leading companies in leading industries of the U.S. economy. NYSE Group, Inc. (NYSE:NYX) operates two securities exchanges: the New York Stock Exchange (the “NYSE”) and NYSE Arca (formerly known as the Archipelago Exchange, or ArcaEx®, and the Pacific Exchange). NYSE Group is a leading provider of securities listing, trading and market data products and services. The New York Mercantile Exchange, Inc. (NYMEX) is the world's largest physical commodity futures exchange and the preeminent trading forum for energy and precious metals, with trading conducted through two divisions – the NYMEX Division, home to the energy, platinum, and palladium markets, and the COMEX Division, on which all other metals trade. Additional risks are associated with international investing, such as currency fluctuations, political and economic instability and differences in accounting standards. This material represents an assessment of the market environment at a specific point in time and is not intended to be a forecast of future events, or a guarantee of future results. MarketingPro, Inc. is not affiliated with any person or firm that may be providing this information to you. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional.

CITATIONS:

1 - marketwatch.com/story/consumer-sentiment-in-january-plunges-to-lowest-level-since-trump-elected-2019-01-18 [1/18/19]

2 - bloomberg.com/news/articles/2019-01-18/china-is-said-to-offer-path-to-eliminate-u-s-trade-imbalance [1/18/19]

3 - marketwatch.com/story/oil-prices-push-higher-on-hopes-for-us-china-trade-progress-2019-01-18 [1/18/19]

4 - insight.factset.com/earnings-season-update-january-18-2019 [1/18/19]

5 - markets.wsj.com [1/18/19]

6 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=yield [1/18/19]
7 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=yieldAll [1/18/19]

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Key Financial Data for 2019

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Click here to register for our next event, "Investment Planning: From Growth to Income".

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Our handy reference guide of 2019 financial data. This guide includes exemptions, deductions, tax brackets, Social Security information, Medicare benefit information and retirement plan contribution limits. It also contains useful financial information for attorneys, CPAs and other professionals.

Click the image below to download the .pdf file.

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Click here to register for our next event, "Investment Planning: From Growth to Income".

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Meld Financial, Inc. may be reached at:

205-967-4200

meld@meldfinancial.com

P. O. Box 43626

Birmingham, AL 35243

www.meldfinancial.com

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Securities offered through Triad Advisors, LLC . Member FINRA/SIPC.

Advisory services offered through Meld Financial, Inc.

Triad Advisors and Meld Financial are not affiliated.

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Weekly Economic Update - 1/14/2019

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Upcoming Event:

Click here for details and to register for our next Meld University event: Estate Planning. The class will be held on Tuesday, December 4th at Birmingham Botanical Gardens. There is no cost to register, but seating is limited.

[/et_pb_text][et_pb_text admin_label="Meld Financial Presents - H2i - Text" _builder_version="3.0.86" background_layout="light"]

Meld Financial, Inc. Presents:

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Weekly Economic Update

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Weekly Tip
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Many people sign up for credit cards without looking at their interest rates and terms. Be sure to read the fine print when applying for a card.

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Weekly Quote
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“Sometimes when you innovate, you make mistakes. It is best to admit them quickly, and get on with improving your other innovations.”

- Steve Jobs

[/et_pb_text][et_pb_text admin_label="Weekly Riddle - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Riddle
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What speaks, also listens, and has ten digits yet no hands?

[/et_pb_text][et_pb_text admin_label="Last Week Riddle - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Last Week's Riddle
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Bryn’s mother and father have three kids. One is Kenzie, the second one is Carrie, who is the third?

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Last week's answer:
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Bryn.

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For the First Time Since March, Inflation Retreats

December brought a 0.1% decline in the Consumer Price Index, the first in nine months. As in November, cheaper gasoline was a factor: gas prices took a 7.5% monthly fall. The CPI advanced 1.9% across 2018. The core CPI, which excludes food and energy costs, rose 0.2% in December for a third consecutive month and gained 2.2% for the year. In short, yearly inflation is back in the vicinity of the Federal Reserve’s 2.0% target.1

Service Sector Rate Slows

The Institute for Supply Management said that its purchasing manager index service, tracking industry activity, descended to 57.6 in December, paralleling the dip of its factory sector PMI. While the decrease of 3.1 points was a disappointment, the new orders sub-index did rise slightly to 62.7, and the service sector expanded for the 107th straight month.2

Oil Records Its Longest Daily Winning Streak in 9 Years

Crude oil futures are no longer scraping near 52-week lows. WTI crude settled at $51.59 on the New York Mercantile Exchange at Friday’s close, up 7.6% for the week. A down day on Friday broke a 9-session streak of advances for the commodity, the longest seen since January 2010.3

Benchmarks Rise on the Eve of Earnings Season

Investors were encouraged by hints of progress in U.S.-China trade negotiations last week and seemed unruffled by the ongoing shutdown of parts of the federal government. Across five trading days, all three major Wall Street equity indices rose 2.4% or more, and both the S&P 500 and Dow Jones Industrial Average exited correction territory with the fourth-quarter reporting season just ahead. (See the table within this Weekly Economic Update for their Friday closes as well as weekly and YTD performances.)4

This Week

A new earnings season starts Monday as Citigroup presents Q4 results. | JPMorgan Chase, UnitedHealth Group, and Wells Fargo report earnings on Tuesday, and the December Producer Price Index also emerges. | Wednesday, Alcoa, Bank of America, BNY Mellon, Blackrock, Comerica, CSX, Goldman Sachs, PNC Financial Services Group, and U.S. Bancorp announce earnings, the Federal Reserve publishes a new Beige Book, and data on December retail sales arrives. | Thursday, earnings roll in from American Express, BB&T, KeyCorp, and Netflix; in addition, investors will consider a Census Bureau report on December housing starts and the latest initial jobless claims figures. | Regions Financial, Schlumberger, and SunTrust Bank offer earnings Friday, which is also when the University of Michigan provides its preliminary January consumer sentiment index.

MARKET INDEXY-T-D CHG1-MO CHG1-YR CHG
DJIA23,995.95+2.40+2.87
NASDAQ6,971.48+3.45+5.07
S&P 5002,596.26+2.54+3.57
YIELD1/4 RATE1 MO AGO1 YR AGO
10 YEAR NOTE2.71-0.04+0.02

Sources: wsj.com, treasury.gov - 1/11/195,6,7

Indices are unmanaged, do not incur fees or expenses, and cannot be invested into directly. These returns do not include dividends. Weekly and year-to-date market index returns are expressed as percentages. 10-year Treasury note yield = projected return on investment, expressed as a percentage, on the U.S. government’s 10-year bond. Weekly and year-to-date 10-year Treasury note yield differences are expressed in basis points.

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Please feel free to forward this article to family, friends or colleagues. Convenient share buttons are located to the left of this page.
If you would like us to add them to our distribution list, please reply with their address.
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Upcoming Event:

Click here for details and to register for our next Meld University event: Estate Planning. The class will be held on Tuesday, December 4th at Birmingham Botanical Gardens. There is no cost to register, but seating is limited.

[/et_pb_text][et_pb_text admin_label="Contact Info - Text" _builder_version="3.0.86" background_layout="light"]

Meld Financial, Inc.

P.O. Box 43626

Birmingham, AL 35243

Phone: 205-967-4200

Email: Meld@meldfinancial.com

www.meldfinancial.com

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="Securities Offered by - Text" _builder_version="3.19.4" background_layout="light" saved_tabs="all"]

Securities offered through Triad Advisors, LLC. Member FINRA/SIPC.

Advisory services offered through Meld Financial, Inc.

Triad Advisors and Meld Financial are not affiliated.

[/et_pb_text][et_pb_text admin_label="Disclosure Detail - Text" _builder_version="3.19.5" text_font_size="10px" module_class="fine-print-post-text"]

This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. The information herein has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. Investments will fluctuate and when redeemed may be worth more or less than when originally invested. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All market indices discussed are unmanaged and are not illustrative of any particular investment. Indices do not incur management fees, costs, or expenses. Investors cannot invest directly in indices. All economic and performance data is historical and not indicative of future results. The Dow Jones Industrial Average is a price-weighted index of 30 actively traded blue-chip stocks. The NASDAQ Composite Index is a market-weighted index of all over-the-counter common stocks traded on the National Association of Securities Dealers Automated Quotation System. The Standard & Poor's 500 (S&P 500) is a market-cap weighted index composed of the common stocks of 500 leading companies in leading industries of the U.S. economy. NYSE Group, Inc. (NYSE:NYX) operates two securities exchanges: the New York Stock Exchange (the “NYSE”) and NYSE Arca (formerly known as the Archipelago Exchange, or ArcaEx®, and the Pacific Exchange). NYSE Group is a leading provider of securities listing, trading and market data products and services. The New York Mercantile Exchange, Inc. (NYMEX) is the world's largest physical commodity futures exchange and the preeminent trading forum for energy and precious metals, with trading conducted through two divisions – the NYMEX Division, home to the energy, platinum, and palladium markets, and the COMEX Division, on which all other metals trade. Additional risks are associated with international investing, such as currency fluctuations, political and economic instability and differences in accounting standards. This material represents an assessment of the market environment at a specific point in time and is not intended to be a forecast of future events, or a guarantee of future results. MarketingPro, Inc. is not affiliated with any person or firm that may be providing this information to you. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional.

CITATIONS:

1 - cnbc.com/2019/01/10/consumer-price-index-december-2018.html [1/11/19]

2 - dailyfx.com/forex/market_alert/2019/01/07/ISM-Services-Index-Dec-2018.html [1/7/19]

3 - marketwatch.com/story/us-oil-prices-end-lower-to-snap-9-session-streak-of-gains-2019-01-11 [1/11/19]

4 - marketwatch.com/story/stock-market-ends-session-flat-but-books-weekly-gains-as-government-shutdown-approaches-a-record-2019-01-11 [1/11/19]

5 - markets.wsj.com/ [1/11/19]

6 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=yield [1/11/19]

7 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=yieldAll [1/11/19]

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