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NEWS AND ANNOUNCEMENTS

Credit Scores are Getting a Boost.. That’s Good, Right?

[et_pb_section bb_built="1" _builder_version="3.0.92"][et_pb_row][et_pb_column type="1_2"][et_pb_image _builder_version="3.7" src="https://www.meldfinancial.com/wp-content/uploads/credit-score-facebook.jpg" /][/et_pb_column][et_pb_column type="1_2"][et_pb_text _builder_version="3.7" custom_padding="20px|||" custom_padding_last_edited="on|desktop"]

This change could impact how lenders measure risk.

Provided by Meld Financial, Inc.

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][et_pb_text admin_label="to registration form - text" _builder_version="3.7" saved_tabs="all" global_module="1444" custom_padding="24px||24px|"]

Upcoming Meld University Events: 

Click here for details and to register for "Savvy Social Security Planning for Baby Boomers" which will be held on Tuesday, August 21st at Birmingham Botanical Gardens.[/et_pb_text][et_pb_text admin_label="Detail - Text" _builder_version="3.7"]You may have heard the news lately about credit scores across the country getting an unexpected boost.That may sound like cause for widespread celebration, but as it is with most financial issues, it’s not quite that simple.  If you have a less than optimal credit rating, and this results in a boost, then that could be a good thing for you. But what if you already have excellent credit? How will you be impacted?

First, why do we have credit scores?

Your financial health is just as complex as your physical health and having a financial advisor — much like having a doctor — is only part of the equation. How you manage your money is just as important as how much wealth you have accumulated. We’ve all heard stories about lottery winners or professional athletes blowing through their massive wealth in a matter of years. Don’t be that person.To truly understand your credit worthiness, the banking industry needs a way to easily measure your behavior, so they developed the credit score. However imperfect the scoring may be, it is the method that has been used for several decades to determine the likelihood of a borrower paying back their loan. Creditors have trusted these credit scores along with the accompanying credit report to identify which potential borrowers are good investments and which will likely result in negative returns.

How does my credit score impact me?

When planning your financial future, there are internal factors (like your savings) and external factors (like your investment performance and interest rates) to consider, and your credit score impacts both categories.Your credit score, which can range from 300 (uh oh) to 850 (hooray), is an indication of how desirable you are to a potential lender. When your credit score is low, it impacts your ability to borrow money and the rate you pay to borrow. At worst, you risk not being approved for a loan, a house, a car. At best, you pay higher interest rates on everything from credit cards to home loans. This situation can leave you with less money to save for retirement month after month. When your credit score is high, lenders compete for your business and sometimes will offer much lower rates or excellent incentives, simply because you are a safe investment.Your credit score is determined by your past financial behavior: Do you always make your payments on time or have you fallen behind occasionally? Have you taken the time to build your credit in the first place? Are you carrying too much debt relative to your income? Have you experienced a bankruptcy?Sometimes, you’ve checked all the right boxes, and your credit rating is still low because of issues related to identity theft or errors in your report. Rest assured that you are not alone. In fact, the Consumer Financial Protection Bureau found that incorrect information on a credit report is the top issue reported by consumers.

How will the recent changes impact my credit score?

Earlier this year, the three major credit reporting companies started excluding all civil judgement data and tax liens from credit reports, after a study from the Consumer Financial Protection Bureau recommended changes to credit reporting.That caused about 11 percent of the population to see a jump in their credit scores. In some cases, the boost was as much as 30 points.  That may not seem like a lot, but when you’re working hard to improve your credit score, every little bit counts.But the news isn’t all good for consumers. Some analysts have argued that recent changes in credit reporting, and the subsequent boost in credit scores, could create a situation in which lenders who rely on the credit score struggle to differentiate between a risky borrower and a reliable one. This could result in lenders requiring a higher score to borrow. If you didn’t see a boost from the changes, this could, in theory, be a negative for you. Some lenders may even elect to raise rates across the board to account for the additional risk — which isn’t good for anyone. We won’t really know the answer until we’ve had some time to see how this all shakes out.

What can I do to make sure my credit rating is protected?

The best defense is a good offense. A good credit rating still matters immensely, so if you’ve got it, protect it.First, keep a current copy of your credit report on hand. The three major credit agencies allow you to request one credit report per year for free, so if you plan properly, you can check your report three times a year without coming out of pocket. Some banks even provide credit scores to their customers for free each month. It doesn’t necessarily matter how you go about getting your credit report, as long as you are doing it.Next, Look for inaccuracies and areas of concern on your report. Identity theft struck 16.7 million people in 2017 alone. If you’ve been a victim of identity theft, you want to know sooner rather than later, so you can begin the process of correcting the errors. And, despite what you may have heard, checking your own credit report will not lower your credit score. Many organizations offer credit monitoring which takes some of the burden of constant monitoring off you, and can even alert you when there are changes to your report. This can be a good option for very busy individuals. Just make sure that you aren’t caught off guard when you go to apply for new credit.

Have a plan for your debt

As you may have heard, not all debt is bad. In fact, how would creditors know if you are a responsible borrower, if you’ve never borrowed? On the other hand, excessive debt is never considered a good thing when evaluating a person’s credit worthiness. In most cases, it helps your credit score when you pay down your debt.In recent years, we’ve become a culture built on credit. People are using cash less and less. We want the credit card miles or points (rightfully so), and the ability to pay later rather than right now is always a temptation. But, that can create some problems:  Splurging every so often doesn’t necessarily mean you are careless, but if it becomes a problem, you must create a plan to recover. Shelling out high interest payments month over month is like throwing your money in the trash — or more accurately, into the hands of someone other than yourself.

Be careful when opening new accounts

Exercise caution when applying for and opening new credit card accounts. While it’s true you need credit to build credit, it won’t substantially raise your credit rating to open a slew of new accounts. It does, however, increase the odds of burdening yourself with excessive debt.

Final thoughts

The good news amid all of this: If you’ve read this far, you’re already taking a step in the right direction. Whether it’s rectifying errors in your credit history or turning over a new leaf, you’ve decided to take action when it comes to your credit rating. Remember, stay on top of your credit report and make smart purchasing decisions, and you are on the right track. Your financial health is looking better already.[/et_pb_text][et_pb_image _builder_version="3.0.92" src="https://www.meldfinancial.com/wp-content/uploads/logo.png" show_in_lightbox="off" url_new_window="off" use_overlay="off" always_center_on_mobile="on" force_fullwidth="off" show_bottom_space="on" module_class="no-shadow" /][et_pb_text admin_label="Meld Contact Info - Text" _builder_version="3.0.101" background_layout="light"]

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.

This material was prepared by Workspace Solutions, LLC, and does not necessarily represent the views of the presenting party, nor their affiliates. This information has been derived from sources believed to be accurate. Please note - investing involves risk, and past performance is no guarantee of future results. 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. 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 indices are unmanaged and are not illustrative of any particular investment.[/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]


Weekly Economic Update

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Meld Financial, Inc. Presents:

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Weekly Economic Update

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Weekly Quote
[/et_pb_text][et_pb_text admin_label="Wkly Quote Detail - Text" _builder_version="3.7"]“Where there is friendship, there is our natural soil.”- Voltaire[/et_pb_text][et_pb_text admin_label="Weekly Tip - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Tip
[/et_pb_text][et_pb_text admin_label="Weekly Tip Detail - Text" _builder_version="3.7"]When a lender permits a borrower to defer a college loan, the borrower may still have to pay interest on the remaining loan balance. The lender, not the borrower, will decide when the loan payments need to restart.[/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
[/et_pb_text][et_pb_text admin_label="Weekly Riddle Detail - Text" _builder_version="3.7"]It inhibits sight, makes the air colder, and it will come back for you before the day is done. What is it?[/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
[/et_pb_text][et_pb_text admin_label="Last Week Riddle Detail - Text" _builder_version="3.7"]I am plain, thin, and lonely, but you use me all the time. I can appear with one keystroke or just one movement when you write. What am I?[/et_pb_text][et_pb_text admin_label="Last Answer - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Last week's answer:
[/et_pb_text][et_pb_text admin_label="Last Answer Detail - Text" _builder_version="3.7" custom_padding="||224px|" custom_padding_phone="||24px|" custom_padding_last_edited="on|phone"]The number 1.[/et_pb_text][/et_pb_column][et_pb_column type="3_4"][et_pb_text admin_label="Detail - Text" _builder_version="3.7" background_color="#ffffff"]June 18, 2018FED, NEW TARIFFS GET WALL STREET’S ATTENTIONAs expected, the Federal Reserve adjusted the target range on the federal funds rate to 1.75%-2.00% on Wednesday. The central bank’s latest dot-plot projection, however, raised some eyebrows: it showed four interest rate increases planned for 2018 instead of three. The median forecast of Fed officials puts the benchmark interest rate at 2.4% at the end of this year, on the way to a peak of 3.4% in 2020. Friday morning, the Trump administration announced new 25% tariffs on at least $34 billion of Chinese imports. Hours later, China retaliated, declaring that it would levy 25% import taxes on a minimum of $34 billion of goods from America. The U.S. and China both plan to implement their new tariffs on July 6.1,2YEARLY INFLATION REACHES 2.8%The latest Consumer Price Index shows the highest 12-month inflation reading in six years; the core CPI (which leaves out food and fuel costs) rose 2.2% in the year ending in May. Both the headline and core CPI were up 0.2% last month. Wholesale inflation, as measured by the Producer Price Index, increased 0.5% in May.3,4AN IMPRESSIVE ADVANCE FOR RETAIL SALES According to the Department of Commerce, the May gain was 0.8% (0.9% with car and truck buying factored out). This follows an April improvement of 0.4% (revised up from 0.3%).4A MIXED WEEK FOR THE MAJOR INDICESOnce again, the Nasdaq Composite outran the Dow Jones Industrial Average and S&P 500. Last week, the tech benchmark added 1.32% to settle at 7,746.38 at Friday’s closing bell. The S&P 500 ended up flat for the week (+0.01%) at 2,779.42. At Friday’s close, the Dow Jones Industrial Average had slipped 0.89% in five days to 25,090.48.5THIS WEEK: Nothing major is slated for Monday. Wall Street considers earnings from FedEx, La-Z-Boy, and Oracle on Tuesday, along with the latest Census Bureau snapshot of housing construction activity. Federal Reserve Chairman Jerome Powell discusses monetary policy at a European Central Bank forum on Wednesday morning; investors will also eye earnings from Micron Technology, Steelcase, and Winnebago, and a National Association of Realtors report on existing home sales. Thursday, the Conference Board issues its May leading indicators index, a new initial jobless claims report arrives, and Barnes & Noble, Darden Restaurants, Kroger, and Red Hat present earnings. Friday, Blackberry, and CarMax offer Q1 results. 
% CHANGEY-T-D1-YR CHG5-YR AVG10-YR AVG
DJIA+1.50+17.47+13.30+10.45
NASDAQ+12.21+25.64+25.25+21.30
S&P 500+3.96+14.26+14.17+10.43
REAL YIELD6/15 RATE1 YR AGO5 YRS AGO10 YRS AGO
10 YR TIPS0.81%0.49%0.09%1.76%
Sources: wsj.com, bigcharts.com, treasury.gov - 6/15/185,6,7,8Indices are unmanaged, do not incur fees or expenses, and cannot be invested into directly. These returns do not include dividends. 10-year TIPS real yield = projected return at maturity given expected inflation.[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.86" custom_margin="0px|||" custom_padding="0px|||"][et_pb_column type="4_4"][et_pb_text admin_label="Forward to friends - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya Sans SC||||||||" header_font="Alegreya SC||||||||" header_font_size="48px" background_color="#dddddd"]

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[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][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="3.0.106" 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="3.7" 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 and expenses, and cannot be invested into directly. 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/fomc-lifts-fed-funds-rate-to-175-2-signals-4-hikes-in-2018-2018-06-13 [6/13/18]2 - cnbc.com/2018/06/15/china-announces-retaliatory-tariffs-on-34-billion-worth-of-us-goods-including-agriculture-products.html [6/15/18]3 - bloomberg.com/news/articles/2018-06-12/u-s-consumer-prices-rise-by-most-since-2012 [6/12/18]4 - briefing.com/investor/calendars/economic/2018/06/11-15 [6/15/18]5 - markets.wsj.com/us [6/15/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=6%2F15%2F17&x=0&y=0 [6/15/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=6%2F15%2F17&x=0&y=0 [6/15/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=6%2F15%2F17&x=0&y=0 [6/15/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=6%2F14%2F13&x=0&y=0 [6/15/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=6%2F14%2F13&x=0&y=0 [6/15/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=6%2F14%2F13&x=0&y=0 [6/15/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=6%2F16%2F08&x=0&y=0 [6/15/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=6%2F16%2F08&x=0&y=0 [6/15/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=6%2F16%2F08&x=0&y=0 [6/15/18]7 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyield [6/15/18]8 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyieldAll [6/15/18][/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]


Weekly Economic Update

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Meld Financial, Inc. Presents:

[/et_pb_text][et_pb_text admin_label="Weekly Economic Update - H1 - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya Sans SC||||||||" header_font="Alegreya SC||||||||" header_font_size="48px" background_color="#dddddd"]

Weekly Economic Update

[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.106" background_color_1="#dddddd" custom_margin="0px||0px|" custom_padding="0px||0px|" padding_left_1="6px"][et_pb_column type="1_4"][et_pb_text admin_label="Weekly Quote - Text" _builder_version="3.0.106" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Quote
[/et_pb_text][et_pb_text admin_label="Wkly Quote Detail - Text" _builder_version="3.6"]“Reflect on your present blessings, of which every man has many; not on your past misfortunes, of which all men have some.”- Charles Dickens[/et_pb_text][et_pb_text admin_label="Weekly Tip - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Weekly Tip
[/et_pb_text][et_pb_text admin_label="Weekly Tip Detail - Text" _builder_version="3.6"]If you get an email asking for your personal or financial information from what appears to be the Internal Revenue Service, it is probably a scam. The I.R.S. does not use emails, text messages, or social media to make initial inquiries about these matters.[/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
[/et_pb_text][et_pb_text admin_label="Weekly Riddle Detail - Text" _builder_version="3.6"]I am plain, thin, and lonely, but you use me all the time. I can appear with one keystroke or just one movement when you write. What am I?[/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
[/et_pb_text][et_pb_text admin_label="Last Week Riddle Detail - Text" _builder_version="3.6"]You can put me on a table and cut me, but you will never eat me. What am I?[/et_pb_text][et_pb_text admin_label="Last Answer - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya SC||||||||" header_5_font="Alegreya SC||||||||" header_5_font_size="24px"]
Last week's answer:
[/et_pb_text][et_pb_text admin_label="Last Answer Detail - Text" _builder_version="3.6" custom_padding="||224px|" custom_padding_phone="||24px|" custom_padding_last_edited="on|phone"]A deck of cards.[/et_pb_text][/et_pb_column][et_pb_column type="3_4"][et_pb_text admin_label="Detail - Text" _builder_version="3.6" background_color="#ffffff"]June 11, 2018100 MONTHS OF GROWTH FOR SERVICE BUSINESSESThe Institute for Supply Management announced this milestone as it revealed a 58.6 May reading for its non-manufacturing purchasing manager index. That excellent reading was well north of the 56.8 mark seen in April. Fourteen of the fifteen service industries followed by the PMI reported expansion in May; the information sector was the only outlier.1Q2 GDP OUTLOOK BRIGHTENSIs the economy now expanding at the rate of 5% a year? The bold new estimate by the Federal Reserve Bank of Atlanta nearly says as much. The Atlanta Fed projects a 4.6% GDP reading for Q2. The first quarter saw a 2.2% rate of growth, and the economy grew 2.3% for all of 2017.2SOCIAL SECURITY TO TAP ITS RESERVES THIS YEARLast week, Social Security’s trustees announced that the program needs to dip into its trust funds for the first time in 36 years in order to fully fund itself in 2018. In their annual report, the trustees noted that monthly benefits could be reduced as much as 23% by 2034 if no legislative action is taken on Capitol Hill between now and then. The report also noted that Medicare’s hospital insurance fund risks being depleted by 2026; barring a fix, Medicare might only pay out 91% of hospital costs at that point.3NASDAQ ATTAINS RECORD TERRITORY AGAINFinishing Friday at 7,645.51, the Nasdaq Composite retreated from its historic closes on Monday, Tuesday, and Wednesday of last week. Even so, it gained 1.21% across five trading sessions. The S&P 500 added 1.62% last week to settle at 2,779.03 Friday. The Dow Jones Industrial Average? It rose 2.77% for the week, reaching 25,316.53 at Friday’s closing bell.4,5THIS WEEK: Nothing major is scheduled on Monday. The May Consumer Price Index appears Tuesday, plus earnings from H&R Block. Wednesday, Wall Street awaits a Federal Reserve interest rate decision and considers the May Producer Price Index. May retail sales numbers appear Thursday, in addition to a new initial jobless claims report and quarterly results from Michaels Companies. On Friday, the University of Michigan releases its preliminary June consumer sentiment index. 
% CHANGEY-T-D1-YR CHG5-YR AVG10-YR AVG
DJIA+2.42+19.52+13.21+10.62
NASDAQ+10.75+20.94+24.08+21.09
S&P 500+3.94+14.19+13.82+10.41
REAL YIELD6/8 RATE1 YR AGO5 YRS AGO10 YRS AGO
10 YR TIPS0.82%0.41%0.03%1.54%
 Sources: wsj.com, bigcharts.com, treasury.gov - 6/8/185,6,7,8Indices are unmanaged, do not incur fees or expenses, and cannot be invested into directly. These returns do not include dividends. 10-year TIPS real yield = projected return at maturity given expected inflation.[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row _builder_version="3.0.86" custom_margin="0px|||" custom_padding="0px|||"][et_pb_column type="4_4"][et_pb_text admin_label="Forward to friends - Text" _builder_version="3.0.86" background_layout="light" text_font="Alegreya Sans SC||||||||" header_font="Alegreya SC||||||||" header_font_size="48px" background_color="#dddddd"]

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[/et_pb_text][/et_pb_column][/et_pb_row][et_pb_row][et_pb_column type="4_4"][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="3.0.106" 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="3.6" 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 and expenses, and cannot be invested into directly. 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 - nytimes.com/aponline/2018/06/05/us/politics/ap-us-economy-services.html [6/5/18]2 - cnbc.com/2018/06/08/gdp-for-second-quarter-on-track-to-double-2018-full-year-pace-of-2017.html [6/8/18]3 - marketwatch.com/story/new-warnings-about-cuts-to-social-security-and-medicare-are-a-reason-to-worry-2018-06-07 [6/7/18]4 - reuters.com/article/us-usa-stocks/tesla-drives-fourth-day-of-gains-for-nasdaq-banks-up-idUSKCN1J21E8 [6/6/18]5 - markets.wsj.com/us [6/8/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=6%2F8%2F17&x=0&y=0 [6/8/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=6%2F8%2F17&x=0&y=0 [6/8/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=6%2F8%2F17&x=0&y=0 [6/8/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=6%2F7%2F13&x=0&y=0 [6/8/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=6%2F7%2F13&x=0&y=0 [6/8/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=6%2F7%2F13&x=0&y=0 [6/8/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=6%2F9%2F08&x=0&y=0 [6/8/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=6%2F9%2F08&x=0&y=0 [6/8/18]6 - bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=6%2F9%2F08&x=0&y=0 [6/8/18]7 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyield [6/8/18]8 - treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyieldAll [6/8/18][/et_pb_text][/et_pb_column][/et_pb_row][/et_pb_section]


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