|   | 
     
      
   
      
      
    
   
      
      
      
    
   
       | 
    
           
            | 
                February 23
             | 
            
                READY, WILLING AND ABLE?             | 
            
                
Is housing subject to 'by in advance' psychology as rates rise?  Affordability is slipping.  On the other hand, Vehicles typically get a boost from tax refunds, which have been slow this year.  If tradition holds, vehicle sales should pick up in March.
             | 
         
        
             | 
         
                
            | 
                February 16
             | 
            
                Good Stuff!             | 
            
                
 A Seasonally Weak Month For Sure, but January's Retail Sales Were Strong vs Last Year; Volatile Spending Expectations Provide Little Guidance; Whether it’s the Market or Wages, The Consumer Feels Good; Housing Starts Inch Up as ARM's Sustain Affordability.              | 
         
        
             | 
         
                
            | 
                February 6
             | 
            
                THE SEASONAL PROBLEM             | 
            
                
Remember, Jobs always go down from December to January.  Borrowing is on the  upswing, but lender survey suggest some reluctance.
             | 
         
        
             | 
         
         
       
       | 
      |