Sharkey, Howes & Javer

Sharkey, Howes & Javer


Latest Episodes

Inside the Economy: Jobs, Housing, and Global Markets
December 11, 2024

This week on “Inside the Economy”, we evaluate the outlook for the upcoming Federal Reserve meeting, the job market, housing, and global markets. The chances of a future interest rate cut by the Fed have increased – what factors have led to this change? Y

Inside the Economy: Consumers, Markets, and Cost of Money
November 27, 2024

This week on Inside the Economy, we discuss the consumer, markets, expectations, and the cost of money. Total retail sales exceeded $700 Billion in October. Are these high sales due to the upcoming holiday season? Have credit card debt delinquencies inc

Inside the Economy: Post-election economy, Mortgage Market, and Tariffs
November 13, 2024

This week on Inside the Economy, we evaluate the post-election economy, changes in the mortgage market, and the future of deficit spending. Jobless claims remain consistent year-over-year, and the personal savings rate has normalized. Regarding wages an

Inside the Economy: Housing, Cash, and China
October 30, 2024

This week on Inside the Economy, we assess housing affordability, sales, mortgages, household cash on hand, and Chinas demographics. Housing affordability is near a record low. How much would home prices have to decrease, or household incomes need to i

Inside the Economy: Credit Card Debt, Interest Income, and Insurance
October 16, 2024

This week on Inside the Economy, we explore the levels of credit card debt, interest income, and relative insurance premiums across the United States. You may have seen news about credit card balances reaching an all-time high. However, did consumer cre

Inside the Economy: Existing Home Sales, Fed Funds Rate, and the TCJA
October 02, 2024

This week on Inside the Economy, we delve into existing home sales, the current and projected federal funds rate, and the implications of the Tax Cuts and Jobs Act. Existing home sales are trending downward - will the recent interest rate changes improv

Inside the Economy: Consumer Spending, Federal Reserve, and Household Income
September 18, 2024

This week on Inside the Economy, we evaluate consumer spending, the upcoming Federal Reserve meeting, and household income and mortgages. Consumer spending has slowed compared to the post-COVID highs, and weve observed a recent deceleration in student

Inside the Economy: Hiring, Housing, and Markets
September 05, 2024

This week on Inside the Economy, we discuss the current state of employment, housing affordability, and U.S. Markets. Hiring has slowed since the post-covid highs. Are employed individuals at risk of losing their job? Is there evidence to support potent

Inside the Economy: Consumer Debt & Economic Slow Down
August 21, 2024

This week on Inside the Economy, we discuss consumer debt and the pending economic slowdown. Credit Card and HELOC balances have ticked up over recent months, but despite this, there has been limited delinquency in student loans, mortgages, and HELOCs.

Inside the Economy: Unemployment, housing, and the Federal Budget
August 07, 2024

This week on Inside the Economy, we explore unemployment, housing, and the federal budget. Regarding employment, the JOLTS three-month moving averages are trending downward. Additionally, permanent job losers and persons completing temporary jobs increa