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FAX ARCHIVE   November 2015
Date  Subject Descriptive Information
November 25 BEST OF MOMENTUM Consumer Spending Highlights
November 20 THE SEASON TO WATCH AND WAIT Lower Gasoline Costs of Little Consequence, as Rent, Health Care & Vehicle Loan Costs Rise;  Warm Weather Didn't Sustain Housing Starts;  Retailers Holiday Wish Should Be For Weaker Vehicle Sales; Total Credit Originations Stall.   Only Vehicles Rise.  But Auto Loan Rejection Rate is Rising
November 18 HANDOUT Handout
November 9 MAYBE NOT AS GOOD AS IT LOOKS Employment Gains Not Quite As Good As They Seem;  But Wages Are Accelerating; As is Revolving Credit;  4Q Rate hike Means Consumer Debt Burden Will Rise
November 5 BAD MOOD Everyone's Mood Worsened in October;  Unit Vehicle Sales Robust, But Prices No Longer Rising And Likely to Decline; FRB Finds More Willing Credit Card Takers But Not Much Else;  Health Insurance Premiums Enough To Make You Ill;  Do The Demographics Match The Vehicle Sales Profile?;  Too Many Manufacturing Inventories
November 2 CONSUMER CONFUSION

Nominal Spending Trends Lower, but Units Holding;  Nominal Income Growth Slowed In September but Discretionary Spending Still OK;  3Q ECI Bounced Back But Wage Data Is Unreliable; Our Older Population Isn't Going To Be Happy With The New Budget Deal;  This Year's Household Growth All A Function Of The Late 2014 Surge;  Consumer Mood Unchanged Over the Year



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