Author Archives: Credit Flow Investor

Luxury now taking hits Audi Q4 Sales -36%

Luxury brands now seeing declining sales… Just as in last recession…the weak links go first then high middle class goes. ABS issuance also died in Q4.

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Canada Home Prices -25% and Population Decline

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TIPs YoY indicate economy strength

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SPY 12 week rolling + 3% over 12 weeks

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TIPs are a leading indicator

Last 6 months… AND before…2022-2024 strong economy. 2025 weakness starts..

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Corporate Bonds Start to Dry Up

The credit flow slows dramatically… AND ABS…4th Qtr way down.

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Core Inflation Slightly Up over Dec 2025

Inflation still at 0.24 …last year 0.21

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Year End PE ratio 39.8 and other consumer data..gas buddy down last 3 months

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TLT up YoY 2.89% vs -10% last year

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Gov’t Job Growth less than ADP

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