Author Archives: Credit Flow Investor

Delinquency moves up like 2007

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XLY consumer spending crosses to bear

https://schrts.co/VJnUPhgh

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Payroll Growth Approaches 2% and fell 1.9% last year

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Just released…Credit Card Delinquency rises the most and all loans up YoY

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Insured Unemployment Rate Up YoY Mar 2023

Insured UR last year

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Unemployment Claims breakout to upside (highest in a year) and Growth has dropped to 1%…recession next year

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Credit Card Delinquencies Q1 2023 rising fast (YoY)…canary in the coal mine

First, revisions in employment numbers show trend to negative employment.

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Layoff Charts-first tech only then all

A burst in Jan and stability in stocks until volatility in SandP causes a new wave of layoffs.

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Blue Line Needs to level and rise

You’ve had the rate rise cycle then the fed pause cycle (vix falling) then the bad economy cycle to begin next 3 months…

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Shelter Inflation Breaks Trend to Downside (0.42)

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