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rolling</image:title></image:image><lastmod>2026-01-24T17:02:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2026/01/24/tip-moves-up/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2026/01/tip5.png</image:loc><image:title>_TIP(5)</image:title></image:image><lastmod>2026-01-24T05:50:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2026/01/21/luxury-now-taking-hits-audi-q4-sales-36/</loc><lastmod>2026-01-21T18:18:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2026/01/19/canada-home-prices-25-and-population-decline/</loc><lastmod>2026-01-19T17:54:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2026/01/18/tips-yoy-indicate-economy-strength/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2026/01/1-6.jpg</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2026/01/1-5.jpg</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2026/01/1-4.jpg</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2026/01/1-3.jpg</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2026/01/1-2.jpg</image:loc><image:title>1</image:title></image:image><lastmod>2026-01-18T15:50:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2026/01/17/spy-12-week-rolling-3-over-12-weeks/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2026/01/12wk.png</image:loc><image:title>12wk</image:title></image:image><lastmod>2026-01-17T10:39:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2026/01/14/tips-are-a-leading-indicator/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2026/01/tip-2021-2024.png</image:loc><image:title>tip 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down</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2026/01/weak-links-grow.jpg</image:loc><image:title>weak links grow</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2026/01/pe-10.png</image:loc><image:title>PE 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2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2026/01/10y.jpg</image:loc><image:title>10y</image:title></image:image><lastmod>2026-01-07T14:54:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/12/29/bitcoin-btc-goes-sideways-9-yoy-liquidity-starts-to-dry-up/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/12/btcusd.png</image:loc><image:title>_$BTCUSD</image:title></image:image><lastmod>2025-12-29T07:49:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/12/27/wmt-last-year-75-this-year-22/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/12/fxe.png</image:loc><image:title>_FXE</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/12/wmt1.png</image:loc><image:title>_WMT(1)</image:title></image:image><lastmod>2025-12-28T14:57:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/12/27/bonds-up-this-year-ief-up-4-5-vs-5-last-year/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/12/sp1.jpg</image:loc><image:title>SP1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/12/ief-dec.png</image:loc><image:title>ief dec</image:title></image:image><lastmod>2025-12-27T13:12:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/12/20/highest-unemployment-in-4-years-4-6-spy-slowing-up-13-9-for-the-year-from-25-7-last-year/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/12/3.jpg</image:loc><image:title>3</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/12/2.jpg</image:loc><image:title>2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/12/1.jpg</image:loc><image:title>1</image:title></image:image><lastmod>2025-12-20T11:01:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/12/07/cost-and-dpz-show-continued-weakening/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/12/pg.png</image:loc><image:title>_PG</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/12/dpz.png</image:loc><image:title>_DPZ</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/12/cost1.png</image:loc><image:title>_COST(1)</image:title></image:image><lastmod>2025-12-07T15:49:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/12/06/past-inflation-since-2020-higher-than-wages/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/12/ccpi.jpg</image:loc><image:title>ccpi</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/12/wages-behind-inflation.jpg</image:loc><image:title>Wages behind inflation</image:title></image:image><lastmod>2025-12-06T10:52:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/12/05/oer-0-13-now-lowest-since-jan-2021/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/12/oer.jpg</image:loc><image:title>oer</image:title></image:image><lastmod>2025-12-05T16:05:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/12/05/conference-board-is-bs-they-live-in-the-past/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/12/conf-board-wrong.png</image:loc><image:title>conf board wrong</image:title></image:image><lastmod>2025-12-05T12:14:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/12/04/new-homes-cheaper-than-existing-first-time-in-50-years/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/12/image-1.png</image:loc><image:title>image</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/12/image.png</image:loc><image:title>image</image:title></image:image><lastmod>2025-12-04T06:59:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/12/03/new-jobs-stalled-adp-now-0-55-yoy/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/12/cons2.jpg</image:loc><image:title>cons2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/12/construction1.jpg</image:loc><image:title>construction1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/12/adp1.jpg</image:loc><image:title>adp1</image:title></image:image><lastmod>2025-12-03T15:56:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/11/30/growth-decline-since-august/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/money-velocity.jpg</image:loc><image:title>money velocity</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/growth-drops-0.5.png</image:loc><image:title>growth drops 0.5%</image:title></image:image><lastmod>2025-12-03T15:15:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/12/03/sp-quarterly-return-and-real-pce-qtr/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/12/q3-est.jpg</image:loc><image:title>Q3 est</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/12/real-and-sp500.jpg</image:loc><image:title>real and sp500</image:title></image:image><lastmod>2025-12-03T11:58:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/12/03/layoffs-lead-to-rising-stock-prices/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/12/ups-1.png</image:loc><image:title>_UPS</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/12/ups.png</image:loc><image:title>UPS</image:title></image:image><lastmod>2025-12-03T09:48:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/12/02/service-is-bad-you-are-not-imagining-it/</loc><lastmod>2025-12-02T06:18:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/12/02/4-week-rolling-sp-change-nov-down-after-6-months-up/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/12/4-wk-rolling.jpg</image:loc><image:title>4 wk rolling</image:title></image:image><lastmod>2025-12-02T05:48:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/11/29/they-said-it-would-never-go-up-foreclosures-rising-86-yoy-houston/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/colorado-springs.jpg</image:loc><image:title>Screenshot</image:title><image:caption>Screenshot</image:caption></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/boomer-decline.jpg</image:loc><image:title>Boomer decline</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/hd.png</image:loc><image:title>_HD</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/1.jpg</image:loc><image:title>1</image:title></image:image><lastmod>2025-11-30T11:43:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/11/29/low-core-inflation-last-sep-with-jan-up/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/jan-burst.jpg</image:loc><image:title>jan burst</image:title></image:image><lastmod>2025-11-29T14:29:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/11/29/costco-down-5-5-yoy-1-yt-breaks-to-3-59-spy-slowing/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/spy-1.jpg</image:loc><image:title>spy</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/ust1y7.png</image:loc><image:title>$UST1Y(7)</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/wmt.png</image:loc><image:title>WMT</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/cost4.png</image:loc><image:title>COST(4)</image:title></image:image><lastmod>2025-11-29T05:21:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/11/28/dec-cut-is-back/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/sp-2.jpg</image:loc><image:title>sp</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/spy-nov.jpg</image:loc><image:title>spy nov</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/fomc-split.jpg</image:loc><image:title>fomc-split</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/jan-pause.jpg</image:loc><image:title>jan pause</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/1yt.png</image:loc><image:title>1yt</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/dec-cut.jpg</image:loc><image:title>dec cut</image:title></image:image><lastmod>2025-11-29T05:13:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/11/28/immigration-reduced-rent-to-fall/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/immigration.png</image:loc><image:title>immigration</image:title></image:image><lastmod>2025-11-28T18:37:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/11/16/deflationary-recession-vs-inflationary/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/apt-rent-2.png</image:loc><image:title>apt rent 2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/apt-rent-1.png</image:loc><image:title>apt rent 1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/commercial-mutli-family.png</image:loc><image:title>commercial mutli-family</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/delinquencies-up.png</image:loc><image:title>delinquencies up</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/new-lease-rent-growth.png</image:loc><image:title>new lease rent growth</image:title></image:image><lastmod>2025-11-28T10:24:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/11/27/tlt-moves-up-since-july-weekly-good/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/tlt21.png</image:loc><image:title>_TLT(21)</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/tlt20.png</image:loc><image:title>_TLT(20)</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/tlt19.png</image:loc><image:title>_TLT(19)</image:title></image:image><lastmod>2025-11-27T10:24:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/11/24/plays-next-year-tlt-and-gld/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/tlt_spy3.png</image:loc><image:title>_TLT_SPY(3)</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/tlt_spy2.png</image:loc><image:title>_TLT_SPY(2)</image:title></image:image><lastmod>2025-11-24T05:05:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/11/23/spy-baby-boomer-spending-btc-millennial-spending-real-estate-housing-home-prices/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/zestimate.jpg</image:loc><image:title>Zestimate</image:title></image:image><lastmod>2025-11-24T04:20:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/11/23/btc-and-gld/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/teck3.png</image:loc><image:title>_TECK(3)</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/gld.png</image:loc><image:title>_GLD</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/btcusd.png</image:loc><image:title>$BTCUSD</image:title></image:image><lastmod>2025-11-24T03:41:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/11/23/tlt-up-for-the-wk-0-70-while-others-down/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/sp-1.jpg</image:loc><image:title>sp</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/sp.jpg</image:loc><image:title>sp</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/tlt13.png</image:loc><image:title>_TLT(13)</image:title></image:image><lastmod>2025-11-23T12:59:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/11/22/first-bi-wkly-spy-negative-since-april/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/cvna-1.png</image:loc><image:title>_CVNA</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/abnb.png</image:loc><image:title>_ABNB</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/biwkly-spy.jpg</image:loc><image:title>biwkly spy</image:title></image:image><lastmod>2025-11-23T07:27:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/11/21/unemployment-rate-ur-breakout-despite-27-spy/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/ur-breakout.jpg</image:loc><image:title>ur breakout</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/spy.jpg</image:loc><image:title>spy</image:title></image:image><lastmod>2025-11-21T07:13:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/11/10/teck-downtrend-again-weak-economy-not-2023-2024/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/teck2.png</image:loc><image:title>_TECK(2)</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/teck-1.png</image:loc><image:title>TECK</image:title></image:image><lastmod>2025-11-19T13:41:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/11/14/no-drop-in-dec/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/ust1y5.png</image:loc><image:title>$UST1Y(5)</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/cvna1.png</image:loc><image:title>CVNA(1)</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/ust1y4.png</image:loc><image:title>$UST1Y(4)</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/ust1y3.png</image:loc><image:title>$UST1Y(3)</image:title></image:image><lastmod>2025-11-16T07:49:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/11/16/qt-ending-soon/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/qt-ending.jpg</image:loc><image:title>QT ending</image:title></image:image><lastmod>2025-11-16T07:18:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/11/16/s-and-p-worst-2-weeks-since-april/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/amzn.png</image:loc><image:title>AMZN</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/2-week-sum.jpg</image:loc><image:title>2 week sum</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/s-and-p.jpg</image:loc><image:title>s and p</image:title></image:image><lastmod>2025-11-16T06:50:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/11/12/a-speech-excerpt-from-the-future-20-years-from-now/</loc><lastmod>2025-11-15T09:07:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/11/14/more-of-growth-slowdown/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/spreadsheet-2.jpg</image:loc><image:title>spreadsheet 2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/spreadsheet-1.jpg</image:loc><image:title>spreadsheet</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/spreadsheet.jpg</image:loc><image:title>spreadsheet</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/outout.jpg</image:loc><image:title>outout</image:title></image:image><lastmod>2025-11-14T08:41:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/11/13/tlt-still-bullish/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/tlt_wtic.png</image:loc><image:title>_TLT_$WTIC</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/tlt12.png</image:loc><image:title>_TLT(12)</image:title></image:image><lastmod>2025-11-13T12:00:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/11/12/growth-dying-from-a-post-2018/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/profit-growth.jpg</image:loc><image:title>profit growth</image:title></image:image><lastmod>2025-11-12T09:20:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/11/11/chipotle-down/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/popn-in-expansion.jpg</image:loc><image:title>popn in expansion</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/cmg.png</image:loc><image:title>_CMG</image:title></image:image><lastmod>2025-11-11T19:22:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/11/07/tlt-bounce-underway-but-sideways-in-november/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/tlt11.png</image:loc><image:title>_TLT(11)</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/tlt7.png</image:loc><image:title>_TLT(7)</image:title></image:image><lastmod>2025-11-07T13:35:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/11/06/carvana-down-signal-october-18/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/spy-and-gld-2028-1.jpg</image:loc><image:title>SPY and GLD 2028</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/spy-and-gld-2028.jpg</image:loc><image:title>SPY and GLD 2028</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/mv.jpg</image:loc><image:title>mv</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/carvana-slow-then-0-then-18.jpg</image:loc><image:title>Screenshot</image:title><image:caption>Screenshot</image:caption></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/cvna.png</image:loc><image:title>CVNA</image:title></image:image><lastmod>2025-11-06T15:04:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/11/06/used-cars-inflation-0-4/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/used-cars-yoy.jpg</image:loc><image:title>used cars yoy</image:title></image:image><lastmod>2025-11-06T14:45:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/11/05/1-year-treasury-moves-to-0-1-of-fed-rate-4-5-wks/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/fr-1yt.png</image:loc><image:title>fr-1yt</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/ust1y1.png</image:loc><image:title>$UST1Y(1)</image:title></image:image><lastmod>2025-11-05T09:47:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/10/29/lennar-loses-momentum-leads-market/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/10/xhb1.png</image:loc><image:title>_XHB(1)</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/10/xhb.png</image:loc><image:title>_XHB</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/10/len1.png</image:loc><image:title>_LEN(1)</image:title></image:image><lastmod>2025-11-04T08:36:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/11/03/cad-2nd-tier-currency-moves-down-last-10-years/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/cad-usd-15-year.jpg</image:loc><image:title>cad usd 15 year</image:title></image:image><lastmod>2025-11-03T08:43:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/11/01/costco-continues-down-and-oex-loses-momentum/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/oexa200r2.png</image:loc><image:title>$OEXA200R(2)</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/oexa200r.png</image:loc><image:title>$OEXA200R</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/11/cost3.png</image:loc><image:title>COST(3)</image:title></image:image><lastmod>2025-11-03T07:04:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/10/30/my-theory-is-back-pause-in-december/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/10/oct-30-fomc.jpg</image:loc><image:title>oct 30 fomc</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/10/fomc-oct-30.jpg</image:loc><image:title>fomc oct 30</image:title></image:image><lastmod>2025-10-30T16:41:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/10/30/gdx-decelerates/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/10/gld.jpg</image:loc><image:title>gld</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/10/gdx.png</image:loc><image:title>gdx</image:title></image:image><lastmod>2025-10-30T14:00:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/10/29/total-hires-lowest-in-16-years/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/10/approval-drops.jpg</image:loc><image:title>approval drops</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/10/3.jpg</image:loc><image:title>3</image:title></image:image><lastmod>2025-10-29T16:03:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/10/27/costco-under-pressure-since-july-growth-weakens/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/10/lulu.png</image:loc><image:title>LULU</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/10/cost_spy.png</image:loc><image:title>_COST_SPY</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/10/dpz.png</image:loc><image:title>DPZ</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/10/costco.png</image:loc><image:title>costco</image:title></image:image><lastmod>2025-10-29T13:06:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/10/25/next-year-spy-0/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/10/1.jpg</image:loc><image:title>1</image:title></image:image><lastmod>2025-10-29T07:53:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/10/28/farms-in-trouble-low-commodity-prices-160000-lost/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/10/1-1.png</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/10/corn.png</image:loc><image:title>$CORN</image:title></image:image><lastmod>2025-10-28T10:44:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/10/26/bull-market-stays-above-60-day-ema/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/10/tlt6.png</image:loc><image:title>_TLT(6)</image:title></image:image><lastmod>2025-10-26T09:42:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/10/25/by-march-tlt-will-be-100-and-spy-q1-1/</loc><lastmod>2025-10-26T09:41:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/10/25/tlt-up-2-89-last-month/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/10/1.png</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/10/tlt3.png</image:loc><image:title>_TLT(3)</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/10/tlt1-1.png</image:loc><image:title>_TLT(1)</image:title></image:image><lastmod>2025-10-25T07:52:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/10/25/core-inflation-down-but-last-year-trend-was-down-as-well/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/10/ccpi.jpg</image:loc><image:title>ccpi</image:title></image:image><lastmod>2025-10-25T07:30:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/10/23/oil-new-3y-low/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/10/oil-new-low.jpg</image:loc><image:title>oil new low</image:title></image:image><lastmod>2025-10-23T07:42:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/10/22/hiccups-keep-inflation-under-control-unlike-2008/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/10/cpi-2026-2.jpg</image:loc><image:title>cpi 2026 2</image:title></image:image><lastmod>2025-10-22T13:48:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/10/22/but-i-say-pause-after-dec-meeting-at-3-6-current-4-1/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/10/ism-2.jpg</image:loc><image:title>ism 2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/10/ism-serices-rising.jpg</image:loc><image:title>ism serices rising...</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/10/fomc-split.jpg</image:loc><image:title>fomc split</image:title></image:image><lastmod>2025-10-22T10:18:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/10/21/3rd-drop-dec-as-1-year-treasury-breaks-3-6/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/10/1-year-treasury-down.png</image:loc><image:title>1 year treasury down</image:title></image:image><lastmod>2025-10-21T17:23:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/10/21/1-year-treasury-good-leading-indicator/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/10/1-year.jpg</image:loc><image:title>1 year</image:title></image:image><lastmod>2025-10-21T15:33:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/10/21/oil-down-pressure-good-leading-indicator/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/10/oil-wkly-1.jpg</image:loc><image:title>oil wkly</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/10/oil-wkly.jpg</image:loc><image:title>oil wkly</image:title></image:image><lastmod>2025-10-21T14:33:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/10/20/even-luxury-home-sales-are-down/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/10/luxury-home-sales.jpg</image:loc><image:title>Luxury Home Sales</image:title></image:image><lastmod>2025-10-21T03:44:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/10/20/weak-links-go-first-so-next-year-weak-economy/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/10/pork-chops.jpg</image:loc><image:title>pork chops</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/10/salmon.jpg</image:loc><image:title>salmon</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/10/burger-deal-canada.png</image:loc><image:title>burger deal canada</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/10/average-car-prices.png</image:loc><image:title>average car prices</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/10/tlt-to-kre.png</image:loc><image:title>tlt to kre</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/10/kmx.png</image:loc><image:title>kmx</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/10/kre.png</image:loc><image:title>kre</image:title></image:image><lastmod>2025-10-20T15:36:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/10/17/further-to-previous-post-3y-bear-market/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/10/us-lei-aug-2025-1.png</image:loc><image:title>us-lei-aug-2025-1</image:title></image:image><lastmod>2025-10-20T05:55:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/10/18/tlt-good-uptrend-6-weeks-and-spy-weakens/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/10/tlt-ema.png</image:loc><image:title>tlt ema</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/10/tlt.png</image:loc><image:title>_TLT</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/10/spy-weakens.jpg</image:loc><image:title>spy weakens</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/10/tlt1.png</image:loc><image:title>TLT1</image:title></image:image><lastmod>2025-10-19T18:51:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/10/13/need-roc-52-and-10-off-bottom-before-10-run/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/10/tlt-250-52wj-roc.png</image:loc><image:title>tlt 250 52wj roc</image:title></image:image><lastmod>2025-10-13T12:09:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/10/13/52wk-roc-crosses-by-dec/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/10/tlt-52.png</image:loc><image:title>tlt 52</image:title></image:image><lastmod>2025-10-13T10:56:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/10/11/tlt-to-spy-first-cross-to-bull/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/10/tlt_spy.png</image:loc><image:title>_TLT_SPY</image:title></image:image><lastmod>2025-10-11T21:44:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/09/28/lennar-home-builders-re/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/09/lennar.png</image:loc><image:title>lennar</image:title></image:image><lastmod>2025-09-28T08:29:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/09/24/rising-inflation-bad-for-stocks/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/09/good-for-stocks-2.jpg</image:loc><image:title>Good for Stocks</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/09/good-for-stocks-1.jpg</image:loc><image:title>Good for Stocks</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/09/good-for-stocks.jpg</image:loc><image:title>Good for Stocks</image:title></image:image><lastmod>2025-09-25T10:47:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/09/23/rising-unemployment-and-inflation/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/09/service-cpi.jpg</image:loc><image:title>service cpi</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/09/u6ratepix1.png</image:loc><image:title>u6ratepix1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/09/servicelessshelterjuly2025.png</image:loc><image:title>ServiceLessShelterJuly2025</image:title></image:image><lastmod>2025-09-24T06:51:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/09/23/usd-and-cdn-weakening-again/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/09/fxc.png</image:loc><image:title>fxc</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/09/usd-1.png</image:loc><image:title>usd 1</image:title></image:image><lastmod>2025-09-23T10:23:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/09/20/10y-treasury-drops-last-8-weeks/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/09/10y.png</image:loc><image:title>10y</image:title></image:image><lastmod>2025-09-20T22:59:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/09/16/cpi-inflation-estimate-2026/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/09/cpiest-2026.jpg</image:loc><image:title>CPIest 2026</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/09/cpi-est.jpg</image:loc><image:title>cpi est</image:title></image:image><lastmod>2025-09-16T11:59:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/09/13/bond-bull-is-back-and-tlt-to-spy-ready-to-cross/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/09/2-1.jpg</image:loc><image:title>2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/09/1-1.jpg</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/09/1.jpg</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/09/3.jpg</image:loc><image:title>3</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/09/2.jpg</image:loc><image:title>2</image:title></image:image><lastmod>2025-09-15T04:10:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/09/06/tlt-to-spy-looking-close-to-a-cross-in-sep/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/09/tlt-to-spy.jpg</image:loc><image:title>tlt to spy</image:title></image:image><lastmod>2025-09-06T07:51:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/09/05/tlt-breaks-out/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/09/pr.jpg</image:loc><image:title>pr</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/09/2.png</image:loc><image:title>2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/09/1.png</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/09/tlt-moves-up-2.png</image:loc><image:title>tlt moves up 2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/09/tlt-moves-up.png</image:loc><image:title>TLT moves up</image:title></image:image><lastmod>2025-09-05T20:46:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/09/03/re-real-estate-housing-home-confirmed-as-dropping-by-zillow-and-case-shiller/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/09/miles.png</image:loc><image:title>miles</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/09/zvhi-real.png</image:loc><image:title>zvhi real</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/09/zvhi.png</image:loc><image:title>zvhi</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/09/re-drop-case-shiller.png</image:loc><image:title>re drop case shiller</image:title></image:image><lastmod>2025-09-03T11:01:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/08/29/upward-delta-on-spy-keeps-dropping/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/08/1-6.jpg</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/08/1-5.jpg</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/08/1-4.jpg</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/08/1-3.jpg</image:loc><image:title>1</image:title></image:image><lastmod>2025-09-02T08:52:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/08/29/1y-treasury-trend-shows-the-future-of-spy-hiccups/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/08/1yt.png</image:loc><image:title>1yt</image:title></image:image><lastmod>2025-08-29T20:36:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/08/28/tlt-looks-primed-for-a-mini-run/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/08/tlt-over-2y.png</image:loc><image:title>tlt over 2y</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/08/tlt1.png</image:loc><image:title>tlt1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/08/tlt.png</image:loc><image:title>tlt</image:title></image:image><lastmod>2025-08-29T09:27:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/08/28/august-spy-updated-and-weakens-but-not-enough-yet/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/08/drop-here-1y.png</image:loc><image:title>drop here 1y</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/08/aug-in.jpg</image:loc><image:title>Aug in</image:title></image:image><lastmod>2025-08-28T15:09:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/08/28/short-bond-trend-lines-up-again/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/08/ief-up.png</image:loc><image:title>ief up</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/08/1-1.png</image:loc><image:title>1</image:title></image:image><lastmod>2025-08-28T13:00:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/08/24/tlt-to-spy-starting-to-turn/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/08/tlt-to-spy-moves-up.png</image:loc><image:title>TLT to spy moves up</image:title></image:image><lastmod>2025-08-25T04:29:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/08/23/s-p-cools-off-aug-bi-wkly/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/08/1-1.jpg</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/08/oil-down-1.jpg</image:loc><image:title>Oil down</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/08/1.jpg</image:loc><image:title>1</image:title></image:image><lastmod>2025-08-24T05:58:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/08/20/cpi-ppi-0-means-profits-under-pressure/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/08/monthly.jpg</image:loc><image:title>monthly</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/08/cpi-ppi.jpg</image:loc><image:title>CPI-PPI</image:title></image:image><lastmod>2025-08-20T16:37:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/08/19/quarterly-sp-the-delta-on-the-economy/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/08/q-sp500.jpg</image:loc><image:title>Q SP500</image:title></image:image><lastmod>2025-08-19T09:17:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/08/17/ief-sideways/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/08/ief.png</image:loc><image:title>ief</image:title></image:image><lastmod>2025-08-17T08:55:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/08/17/adp-payroll-shrinking/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/08/adp-weak.jpg</image:loc><image:title>adp weak</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/08/adp-2.jpg</image:loc><image:title>adp 2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/08/adp-1.jpg</image:loc><image:title>adp 1</image:title></image:image><lastmod>2025-08-17T08:01:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/08/15/bi-wkly-sp/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/08/oil-down.jpg</image:loc><image:title>Oil down</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/08/ut2.png</image:loc><image:title>ut2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/08/sp-aug-2025.jpg</image:loc><image:title>sp aug 2025</image:title></image:image><lastmod>2025-08-16T08:29:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/08/13/multi-unit-condo-apt-building-down-20/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/08/perc-ch-5-or-more-units.jpg</image:loc><image:title>perc ch 5 or more units</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/08/5-or-more-units.jpg</image:loc><image:title>5 or more units</image:title></image:image><lastmod>2025-08-13T16:49:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/08/09/payroll-growth-finally-weak-1-yoy/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/08/epopn.jpg</image:loc><image:title>EPopn</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/08/pr-2025.jpg</image:loc><image:title>pr 2025</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/08/pr-2007.jpg</image:loc><image:title>pr 2007</image:title></image:image><lastmod>2025-08-10T03:54:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/08/08/auto-loan-delinquencies-higher-than-before-2008/</loc><lastmod>2025-08-08T11:21:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/08/03/usd-trend/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/08/usd-aug-3.png</image:loc><image:title>usd aug 3</image:title></image:image><lastmod>2025-08-08T07:45:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/08/03/july-unemployment-rate-up-close-to-4-3/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/08/ur.jpg</image:loc><image:title>UR</image:title></image:image><lastmod>2025-08-03T10:07:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/08/02/ief-to-teck-bullish/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/08/1.png</image:loc><image:title>1</image:title></image:image><lastmod>2025-08-02T08:38:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/07/27/s-and-p-average-per-month/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/07/s-and-p-average.jpg</image:loc><image:title>s and p average</image:title></image:image><lastmod>2025-07-27T16:06:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/07/27/inverse-correlation-risk-off/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/07/novdec-2023.png</image:loc><image:title>NovDec 2023</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/07/spy-2023.png</image:loc><image:title>spy 2023</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/07/tlt-2015.png</image:loc><image:title>tlt 2015</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/07/spy.png</image:loc><image:title>spy</image:title></image:image><lastmod>2025-07-27T12:08:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/07/22/tlt-jul-2025/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/07/tlt-jul-2025.png</image:loc><image:title>tlt jul 2025</image:title></image:image><lastmod>2025-07-22T14:08:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/07/20/number-unemployed-for-27-wks/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/07/u27-plus.jpg</image:loc><image:title>U27 plus</image:title></image:image><lastmod>2025-07-20T10:13:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/07/12/utwo/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/07/1.png</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/07/3.png</image:loc><image:title>3</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/07/utwo2.png</image:loc><image:title>utwo2</image:title></image:image><lastmod>2025-07-15T09:07:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/07/11/jeremy-grantham-on-why-governments-cant-solve-the-problems-and-future-economy/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/07/1.jpg</image:loc><image:title>1</image:title></image:image><lastmod>2025-07-11T10:39:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/07/09/college-graduate-hiring-at-3-decade-low/</loc><lastmod>2025-07-09T08:31:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/07/06/weakening-usd-means-weakening-economy/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/07/usd2.png</image:loc><image:title>usd2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/07/usd.png</image:loc><image:title>usd</image:title></image:image><lastmod>2025-07-06T09:57:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/07/06/vix-last-year-july/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/07/vixlastyear.png</image:loc><image:title>vixlastyear</image:title></image:image><lastmod>2025-07-06T07:49:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/07/05/jobs-still-under-pressure/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/07/jobs-under-pressure.jpg</image:loc><image:title>Jobs under pressure</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/07/change.jpg</image:loc><image:title>change</image:title></image:image><lastmod>2025-07-05T06:49:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/06/30/1y-treasury-crosses-threshold/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/06/ust1y.png</image:loc><image:title>ust1y</image:title></image:image><lastmod>2025-06-30T06:59:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/06/29/lennar-real-estate-home-prices-fall-to-2020-levels-already-1-year-into-downturn/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/06/lennar-2025.png</image:loc><image:title>lennar 2025</image:title></image:image><lastmod>2025-06-29T07:31:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/06/27/q1-profits-stall-and-tariff-taxes-no-impact-on-may-inflation/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/06/profits-stall-1.png</image:loc><image:title>profits stall</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/06/tariff-taxes-1.png</image:loc><image:title>tariff taxes</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/06/profits-stall.png</image:loc><image:title>profits stall</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/06/tariff-taxes.png</image:loc><image:title>tariff taxes</image:title></image:image><lastmod>2025-06-27T10:26:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/06/23/gasoline-comes-off/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/06/s-and-p.jpg</image:loc><image:title>s and p</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/06/1.png</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/06/sp-q.jpg</image:loc><image:title>sp q</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/06/gas-drops.jpg</image:loc><image:title>gas drops</image:title></image:image><lastmod>2025-06-26T08:17:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/06/24/oil-drop/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/06/1-1.png</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/06/oil-down.png</image:loc><image:title>oil down</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/06/mv-1.jpg</image:loc><image:title>MV</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/06/mv.jpg</image:loc><image:title>MV</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/06/monety-vel.jpg</image:loc><image:title>Monety vel</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/06/oil-drop.png</image:loc><image:title>Oil drop</image:title></image:image><lastmod>2025-06-25T03:46:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/06/24/tlt-above-60-dma-bullish/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/06/bonds-up.png</image:loc><image:title>Bonds up</image:title></image:image><lastmod>2025-06-24T17:59:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/06/24/condo-bust-getting-close-to-worst-ever/</loc><lastmod>2025-06-24T11:01:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/06/23/land-prices-parcels-down-60-to-70-already/</loc><lastmod>2025-06-23T12:20:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/06/15/long-gains-on-short/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/06/long.png</image:loc><image:title>long</image:title></image:image><lastmod>2025-06-15T15:01:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/06/15/mainstream-media-admits-real-estate-going-down-now/</loc><lastmod>2025-06-15T06:30:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/06/14/tlt-moves-up-and-payrolls-weaker-than-indicated/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/06/tlt-up-1.png</image:loc><image:title>tlt up</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/06/tlt-up.png</image:loc><image:title>tlt up</image:title></image:image><lastmod>2025-06-14T07:49:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/06/13/no-turn-around-in-real-estate-until-2030/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/06/14-negative-equity-feb-2025.png</image:loc><image:title>14% negative equity feb 2025</image:title></image:image><lastmod>2025-06-13T11:32:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/06/10/give-back-cycle-more-this-time-due-to-real-estate-plus-tech-bubbles/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/06/ca-unempl-20212506090547.png</image:loc><image:title>CA-Unempl-20212506090547</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/06/give-back-cycle-bad.jpg</image:loc><image:title>Screenshot</image:title><image:caption>Screenshot</image:caption></image:image><lastmod>2025-06-11T11:42:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/06/10/high-beta-rich-from-2011-but-due-to-repeat-now-and-la-fires-jumbos/</loc><lastmod>2025-06-10T10:28:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/04/30/every-recession-cycle-is-like-this/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/04/consumer-sntiment.jpg</image:loc><image:title>consumer sntiment</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/04/eurodollar-university.jpg</image:loc><image:title>eurodollar university</image:title></image:image><lastmod>2025-06-09T07:18:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/06/07/unemployment-rate-has-been-moving-up/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/06/1-2.jpg</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/06/ur1.jpg</image:loc><image:title>ur1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/06/empl-popn.jpg</image:loc><image:title>empl popn</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/06/ur.jpg</image:loc><image:title>UR</image:title></image:image><lastmod>2025-06-08T12:27:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/06/08/initial-claims-were-down-but-now-rising-again/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/06/claims-up.jpg</image:loc><image:title>Claims up</image:title></image:image><lastmod>2025-06-08T12:12:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/06/08/hoenig-comments-on-fed-policy-from-dec-2021/</loc><lastmod>2025-06-08T07:47:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/06/08/dhi-7-months-down-no-rebound-despite-spy-rally/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/06/1-in-22.jpg</image:loc><image:title>Screenshot</image:title><image:caption>Screenshot</image:caption></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/06/dhi-no-rebound.png</image:loc><image:title>dhi no rebound</image:title></image:image><lastmod>2025-06-08T07:03:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/06/04/sp-yearly-and-oil-monthly/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/06/completions.jpg</image:loc><image:title>Completions</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/06/oil-mo.jpg</image:loc><image:title>Oil Mo</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/06/1.jpg</image:loc><image:title>1</image:title></image:image><lastmod>2025-06-06T11:50:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/06/05/overvaluation-low-growth-dangerous-to-assets/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/06/oecd-asset-.jpg</image:loc><image:title>Screenshot</image:title><image:caption>Screenshot</image:caption></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/06/screenshot-2025-06-03-at-10.49.19-am-768x714-1-1.png</image:loc><image:title>Screenshot-2025-06-03-at-10.49.19 AM-768x714</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/06/screenshot-2025-06-03-at-10.49.19-am-768x714-1.png</image:loc><image:title>Screenshot-2025-06-03-at-10.49.19 AM-768x714</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/06/1-1.jpg</image:loc><image:title>1</image:title></image:image><lastmod>2025-06-05T11:53:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2024/12/10/construction-jobs-like-oct-2006/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/12/mmi-3y-80.jpg</image:loc><image:title>MMI 3y -80%</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/12/construction-2007.jpg</image:loc><image:title>Construction 2007</image:title></image:image><lastmod>2025-06-03T18:10:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/06/02/earnings-get-worse-and-worse-and-may-claims-uc-worse-unemployment/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/06/muc-may-2025.jpg</image:loc><image:title>MUC May 2025</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/06/e-revised-down.png</image:loc><image:title>E revised down</image:title></image:image><lastmod>2025-06-03T04:31:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/06/01/bottom-line/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/06/risk-off.png</image:loc><image:title>risk off</image:title></image:image><lastmod>2025-06-02T10:20:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/05/18/teck-official-bear-now/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/05/ief-teck-2.jpg</image:loc><image:title>ief teck 2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/05/ief-teck.jpg</image:loc><image:title>ief teck</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/05/1-2.jpg</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/05/1-1.jpg</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/05/risk-on.jpg</image:loc><image:title>Risk on</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/05/teck-crosses.png</image:loc><image:title>TECK crosses</image:title></image:image><lastmod>2025-06-02T08:52:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/06/01/ief-moves-up-this-year/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/06/ief.png</image:loc><image:title>ief</image:title></image:image><lastmod>2025-06-01T19:14:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/06/01/already-30-new-townhome-in-florida-at-250k/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/06/new-house-250k.jpg</image:loc><image:title>new house 250k</image:title></image:image><lastmod>2025-06-01T15:04:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/05/30/sad-stories-of-real-estate/</loc><lastmod>2025-06-01T14:35:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2024/12/09/nasdaq-bubble-not-a-true-recession-mild-by-construction-standards-so-recessions-can-take-16-years-now/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/12/16-years.jpg</image:loc><image:title>16 years</image:title></image:image><lastmod>2025-06-01T12:58:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/06/01/top-10-are-50-of-personal-spending/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/06/spending-top-10.png</image:loc><image:title>spending top 10%</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/06/asset-prices-for-real-economy.png</image:loc><image:title>asset prices for real economy</image:title></image:image><lastmod>2025-06-01T11:13:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/05/31/ief-pushes-up-hits-60-dma-wms-green/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/05/ief-pushes-up.png</image:loc><image:title>IEF pushes up</image:title></image:image><lastmod>2025-05-31T09:53:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/05/30/perma-bears-are-good-to-listen-to-in-risk-off/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/05/1-1.png</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/05/cdn-u3-april-2025-768x593-1.png</image:loc><image:title>Cdn-U3-April-2025-768x593</image:title></image:image><lastmod>2025-05-30T10:31:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/04/23/6-year-real-estate-down-cycle-construction-turns-down/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/04/1-1.jpg</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/04/1.jpg</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/04/re-cycle.jpg</image:loc><image:title>RE cycle</image:title></image:image><lastmod>2025-05-26T08:57:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/05/25/2y-treasury-moves-up-and-ief-x-12dma/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/05/xhb.png</image:loc><image:title>xhb</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/05/ief-may-23.jpg</image:loc><image:title>ief may 23</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/05/utwo-may-23.jpg</image:loc><image:title>utwo may 23</image:title></image:image><lastmod>2025-05-25T06:57:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/05/23/as-predicted-spy-to-ob-by-3rd-week-of-may/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/05/oil-rigs-cracking.jpg</image:loc><image:title>Oil rigs cracking</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/05/1.png</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/05/spy.png</image:loc><image:title>spy</image:title></image:image><lastmod>2025-05-24T09:15:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/05/23/ief-in-negative-territory-for-6-weeks/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/05/ief.jpg</image:loc><image:title>ief</image:title></image:image><lastmod>2025-05-23T12:07:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/05/23/q1-bank-models-for-loan-loss-provisions-skew-to-downside-recession/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/05/insurance-ca.png</image:loc><image:title>insurance ca</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/05/uc.jpg</image:loc><image:title>UC</image:title></image:image><lastmod>2025-05-23T09:18:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/05/23/most-fools-on-internet-are-bonus-takers-not-investors/</loc><lastmod>2025-05-23T07:00:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/05/22/mistakes-of-last-3-years-not-risk-on-off-indicators/</loc><lastmod>2025-05-22T12:27:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/05/21/bad-econ-numbers-only-matter-in-risk-off-also-loan-loss-provisions-triple-and-sentiment-worsens/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/05/1-3.jpg</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/05/productivity.png</image:loc><image:title>productivity</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/05/in-2023-no-risk-on-but-now-with-risk-off-planned-holidays-doom-spending-over.png</image:loc><image:title>in 2023 no risk on, but now with risk off planned holidays doom spending over</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/05/transactions-air-lodging.png</image:loc><image:title>transactions air lodging</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/05/higher-ur-sentiment.png</image:loc><image:title>higher ur sentiment</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/05/credit-risk.png</image:loc><image:title>credit risk</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/05/loan-loss.png</image:loc><image:title>loan loss</image:title></image:image><lastmod>2025-05-21T15:48:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/05/21/its-dangerous-to-listen-to-perma-bears-with-risk-on/</loc><lastmod>2025-05-21T15:11:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/05/17/top-tax-rate-37-due-to-rise-back-to-39-6-for-jan-2026/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/05/credit-cards.jpg</image:loc><image:title>credit cards</image:title></image:image><lastmod>2025-05-18T13:13:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/05/17/ief-resilient-despite-huge-spy-rally/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/05/img_4953.png</image:loc><image:title>IMG_4953</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/05/ief-resilient.jpg</image:loc><image:title>IEF resilient</image:title></image:image><lastmod>2025-05-17T07:20:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/05/16/fed-was-far-off-on-its-predictions-march-2021/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/05/fedrate.png</image:loc><image:title>fedrate</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/05/fedwatch-long-mar-2021-wrong-off-by-factor-3.png</image:loc><image:title>Fedwatch long mar 2021 WRONG off by factor 3</image:title></image:image><lastmod>2025-05-16T07:08:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/05/14/first-year-of-negative-growth-2025-mcdonalds-and-vegas/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/05/mcdonalds-q1-2024-1.9.png.jpg</image:loc><image:title>mcdonalds q1 2024 +1.9%.PNG</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/05/vegas-down-7.8.png</image:loc><image:title>vegas down -7.8%</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/05/mcdonalds-worst-q-since-covid.png</image:loc><image:title>mcdonalds worst q since covid</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/05/mcdonalds-q1-2024-1.9.png</image:loc><image:title>mcdonalds q1 2024 +1.9%</image:title></image:image><lastmod>2025-05-15T08:43:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/05/13/unemployment-level-grows-by-10/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/05/1.jpg</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/05/unemployment-growa.jpg</image:loc><image:title>Unemployment growa</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/05/unemployment-every-year.jpg</image:loc><image:title>unemployment every year</image:title></image:image><lastmod>2025-05-15T03:30:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/05/08/prime-auto-delinquency-rises-above-2/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/05/prime-auto-delinquency.png</image:loc><image:title>PRIME AUTO DELINQUENCY</image:title></image:image><lastmod>2025-05-08T16:03:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/05/06/the-bear-and-the-bird/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/05/drop-spy-1.png</image:loc><image:title>drop spy</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/05/drop-spy.png</image:loc><image:title>drop spy</image:title></image:image><lastmod>2025-05-08T05:32:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/05/06/think-of-2025-like-2021-mass-psychology/</loc><lastmod>2025-05-06T09:28:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/05/03/continuing-claims-finally-breaking-out/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/05/ur-and-cc.jpg</image:loc><image:title>UR and CC</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/05/ust2.png</image:loc><image:title>ust2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/05/2y-t-1.png</image:loc><image:title>2y T</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/05/2y-t.png</image:loc><image:title>2y T</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/05/dh-rally.png</image:loc><image:title>dh rally</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/05/uc-rise.jpg</image:loc><image:title>UC rise</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/05/claims-break-out.jpg</image:loc><image:title>claims break out</image:title></image:image><lastmod>2025-05-06T05:52:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/05/02/july-cut-now-june-is-off/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/05/july-cut.jpg</image:loc><image:title>july cut</image:title></image:image><lastmod>2025-05-02T15:44:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/05/02/bonds-flat-for-may/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/05/bonds-flat-may.png</image:loc><image:title>bonds flat May</image:title></image:image><lastmod>2025-05-02T09:20:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/05/01/fed-will-be-slow-reacting-to-current-weakness/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/05/2.png</image:loc><image:title>2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/05/teck-40wkma-x-100.png</image:loc><image:title>TECK 40wkma X 100</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/05/fed-slow.jpg</image:loc><image:title>Fed slow</image:title></image:image><lastmod>2025-05-01T11:08:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/04/27/long-bond-gains-on-short-bond/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/04/1-5.png</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/04/1-4.png</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/04/2-and-10.png</image:loc><image:title>2 and 10</image:title></image:image><lastmod>2025-04-27T09:38:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/04/27/unadjusted-ief-moves-above-100wkma/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/04/1-3.png</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/04/1-2.png</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/04/1-1.png</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/04/ief.png</image:loc><image:title>IEF</image:title></image:image><lastmod>2025-04-27T06:13:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/04/24/german-10-year-after-ecb-drops-in-weak-economy/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/04/german-10-year.png</image:loc><image:title>german 10 year</image:title></image:image><lastmod>2025-04-24T10:26:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/04/22/gasoline-shows-lower-inflation-for-april/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/04/cc-down.jpg</image:loc><image:title>cc down</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/04/inflation-down.jpg</image:loc><image:title>inflation down</image:title></image:image><lastmod>2025-04-23T05:01:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/04/22/spy-rebound-last-year/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/04/spy-last-year-rebound.png</image:loc><image:title>spy last year rebound</image:title></image:image><lastmod>2025-04-22T08:25:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/04/15/deals-in-canada-returning/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/04/2-super.jpg</image:loc><image:title>2 super</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/04/1-super.jpg</image:loc><image:title>1 super</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/04/ur-canada-feb-2025.jpg</image:loc><image:title>UR Canada Feb 2025</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/04/canada-deal-1.jpg</image:loc><image:title>canada deal 1</image:title></image:image><lastmod>2025-04-20T15:06:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/04/16/gas-buddy-last-month/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/04/gas-buddy.gif</image:loc><image:title>Gas Buddy</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/04/gb-last-mo.jpg</image:loc><image:title>gb last mo</image:title></image:image><lastmod>2025-04-20T15:05:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/04/13/delinquency-rising-on-all-loans/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/04/delinquency-rising-.-recession.jpg</image:loc><image:title>Delinquency Rising .... recession</image:title></image:image><lastmod>2025-04-13T16:44:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/04/13/gdp-weak-employment-continues-to-weaken/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/04/empl-popn-trends-down.jpg</image:loc><image:title>Empl Popn trends down</image:title></image:image><lastmod>2025-04-13T09:13:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/04/13/change-in-ief-roc1/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/04/ief-rate-of-change.png</image:loc><image:title>IEF rate of change</image:title></image:image><lastmod>2025-04-13T05:29:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/04/10/inflation-down-for-2-months/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/04/inflation-down-for-2-months-2025.jpg</image:loc><image:title>Inflation down for 2 months 2025</image:title></image:image><lastmod>2025-04-10T13:09:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/04/08/housing-abnb-and-energy-in-trouble/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/04/3.png</image:loc><image:title>3</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/04/1.png</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/04/2.png</image:loc><image:title>2</image:title></image:image><lastmod>2025-04-08T07:59:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/04/06/jobs-worsen-like-pre-recession/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/04/job-cuts.jpg</image:loc><image:title>job cuts</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/04/ur-ch-since-2021.jpg</image:loc><image:title>UR ch since 2021</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/04/ur-change-2001-1.jpg</image:loc><image:title>UR change 2001</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/04/ur-change-2001.jpg</image:loc><image:title>UR change 2001</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/04/ur-up.jpg</image:loc><image:title>UR up</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/04/jobs-worsening.jpg</image:loc><image:title>Jobs worsening</image:title></image:image><lastmod>2025-04-06T18:42:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/04/06/vix-during-last-crisis/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/04/vix-gha-jul-11.png</image:loc><image:title>vix gha jul 11</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/04/vix-during-last-crisis.png</image:loc><image:title>VIX during last crisis</image:title></image:image><lastmod>2025-04-06T08:42:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/04/04/flight-to-quality/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/04/teck.png</image:loc><image:title>teck</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/04/bonds-flight-to-quality.png</image:loc><image:title>Bonds Flight to Quality</image:title></image:image><lastmod>2025-04-04T23:56:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/04/02/gld-is-a-buy-while-housing-xhb-is-bad-construction-upturn-was-2012-aside-oex-hit-0/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/04/teck-2006-2016.png</image:loc><image:title>teck 2006-2016</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/04/gdx-too.png</image:loc><image:title>gdx too</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/04/oex-2006-2016.png</image:loc><image:title>OEX 2006-2016</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/04/gld-and-housing.png</image:loc><image:title>GLD and housing</image:title></image:image><lastmod>2025-04-03T14:54:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/03/30/bonds-all-moving-averages-slopes-up/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/03/bonds-all-up.png</image:loc><image:title>Bonds all up</image:title></image:image><lastmod>2025-03-30T10:21:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/03/26/dhi-will-rebound-to-156-158/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/03/dhi-march-down.png</image:loc><image:title>DHI March down</image:title></image:image><lastmod>2025-03-26T07:51:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/03/14/bonds-green/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/03/1.png</image:loc><image:title>1</image:title></image:image><lastmod>2025-03-14T05:51:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/03/12/cpi-inflation-trends-down/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/03/gas.jpg</image:loc><image:title>gas</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/03/1.jpg</image:loc><image:title>1</image:title></image:image><lastmod>2025-03-13T04:00:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/03/09/construction-employees-grow-the-slowest-in-5-years-except-covid/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/03/5-or-more-units.jpg</image:loc><image:title>5 or more units</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/03/xhb.png</image:loc><image:title>xhb</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/03/construction-employment-in-decline-2.jpg</image:loc><image:title>Construction Employment in decline</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/03/construction-in-decline-2-3.jpg</image:loc><image:title>construction in decline 2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/03/construction-employment-in-decline-1.jpg</image:loc><image:title>Construction Employment in decline</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/03/construction-in-decline-2-2.jpg</image:loc><image:title>construction in decline 2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/03/cons-1.jpg</image:loc><image:title>cons 1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/03/construc-employees-1.jpg</image:loc><image:title>construc employees 1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/03/construction-in-decline-2-1.jpg</image:loc><image:title>construction in decline 2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/03/construction-employment-in-decline.jpg</image:loc><image:title>Construction Employment in decline</image:title></image:image><lastmod>2025-03-12T10:29:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/03/09/xle-and-teck-slopes-are-down/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/03/teck-down.png</image:loc><image:title>teck down</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/03/xle-slope.png</image:loc><image:title>xle slope</image:title></image:image><lastmod>2025-03-09T10:52:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/02/28/inverted-curve-10-year-and-3-month-treasury/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/02/regression-3-1.jpg</image:loc><image:title>Screenshot</image:title><image:caption>Screenshot</image:caption></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/02/regression-1.png</image:loc><image:title>Regression 1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/02/regression-2.png</image:loc><image:title>Regression 2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/02/regression-3.jpg</image:loc><image:title>Screenshot</image:title><image:caption>Screenshot</image:caption></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/02/margin-debt.png</image:loc><image:title>margin debt</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/02/inverted-curve.png</image:loc><image:title>inverted curve</image:title></image:image><lastmod>2025-03-02T15:50:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/03/02/bonds-break-out-wkly-green/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/03/bonds-break-out-wkly.png</image:loc><image:title>Bonds break out wkly</image:title></image:image><lastmod>2025-03-02T06:53:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/02/23/gas-prices-fall-faster-yoy/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/02/gas-yoy.jpg</image:loc><image:title>Gas YoY</image:title></image:image><lastmod>2025-02-23T10:54:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/02/18/slope-of-spy-613-by-end-of-march/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/02/rut.png</image:loc><image:title>rut</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/02/spy-4wkma.jpg</image:loc><image:title>spy 4wkma</image:title></image:image><lastmod>2025-02-18T11:41:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/02/10/biggest-homebuilders-in-bear/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/02/dh-horton-2006.png</image:loc><image:title>dh horton 2006</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/02/dhi.png</image:loc><image:title>dhi</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/02/lennar.png</image:loc><image:title>lennar</image:title></image:image><lastmod>2025-02-16T17:30:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/02/16/teck-now-bear-market-and-oex-last-4-months-bear/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/02/mbb.png</image:loc><image:title>mbb</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/02/teck-falls-1.png</image:loc><image:title>teck falls</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/02/oex-weekly.png</image:loc><image:title>oex weekly</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/02/teck-falls.png</image:loc><image:title>teck falls</image:title></image:image><lastmod>2025-02-16T09:56:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/02/14/bonds-up-wkly-green/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/02/bonds-up.png</image:loc><image:title>Bonds up</image:title></image:image><lastmod>2025-02-14T15:50:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/02/07/xhb-housing-rolls-over-now-bear/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/02/vix-moves-up.png</image:loc><image:title>Vix moves up</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/02/xhb-rollsover.png</image:loc><image:title>xhb rollsover</image:title></image:image><lastmod>2025-02-08T04:43:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/02/07/utwo-wkly-still-a-bull-not-ob/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/02/utwo.png</image:loc><image:title>utwo</image:title></image:image><lastmod>2025-02-07T19:34:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/01/31/bdi-weaker-this-year-49-hotels-much-weaker/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/01/xhb.png</image:loc><image:title>xhb</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/01/oex-points-to-bear.png</image:loc><image:title>OEX points to bear</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/01/m1.jpg</image:loc><image:title>M1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/01/oil-negative.png</image:loc><image:title>Oil negative</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/01/spy-slowdown.png</image:loc><image:title>SPY slowdown</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/01/bdi-jan-2025.png</image:loc><image:title>BDI Jan 2025</image:title></image:image><lastmod>2025-02-01T07:56:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/01/19/credit-card-flow-continues-decline/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/01/abnb-future-jan-2025.png</image:loc><image:title>ABNB future Jan 2025</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/01/credit-card-flow-continues-to-decline.jpg</image:loc><image:title>Credit Card Flow continues to decline</image:title></image:image><lastmod>2025-01-19T11:01:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/01/19/projected-long-vix-max-vix-2025/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/01/vix-projected-1.jpg</image:loc><image:title>VIX projected</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/01/vix-projected.jpg</image:loc><image:title>VIX projected</image:title></image:image><lastmod>2025-01-19T09:17:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/01/15/peg-ratio-4-93-6-3/</loc><lastmod>2025-01-15T11:20:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/01/13/dividends-growth-now-negative-and-long-vix-moving-up/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/01/dividends-negative-growth.jpg</image:loc><image:title>Dividends Negative growth</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/01/dividends-declining-now-and-profits-up-5.jpg</image:loc><image:title>Screenshot</image:title><image:caption>Screenshot</image:caption></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/01/long-term-vix.png</image:loc><image:title>Long Term vix</image:title></image:image><lastmod>2025-01-13T09:15:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/01/10/unemployed-over-27-weeks/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/01/unemployed-27wks-change.jpg</image:loc><image:title>Unemployed 27wks change</image:title></image:image><lastmod>2025-01-10T07:58:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/01/07/construction-unemployment-2007-and-wages/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/01/wages-construction.jpg</image:loc><image:title>wages construction</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/01/construction-wage.jpg</image:loc><image:title>Construction wage</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/01/ur-construction.jpg</image:loc><image:title>UR construction</image:title></image:image><lastmod>2025-01-07T15:09:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/01/05/credit-card-defaults-up-50-and-xhb-home-builders-confirm-bear-market/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/01/xhb-bear-2025.png</image:loc><image:title>XHB bear 2025</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/01/credit-card-loan-defaults-surge-50.png</image:loc><image:title>credit card loan defaults surge 50%</image:title></image:image><lastmod>2025-01-05T09:40:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/01/04/construction-decline-same-as-jan-2007/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/01/mortgage-delinq-rising.jpg</image:loc><image:title>Mortgage Delinq rising</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/01/same-as-2007.jpg</image:loc><image:title>same as 2007</image:title></image:image><lastmod>2025-01-04T08:37:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/01/01/spy-3-in-december-bear-market-ahead/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/01/mortgage-delinquencies-rise-yoy-20.jpg</image:loc><image:title>Screenshot</image:title><image:caption>Screenshot</image:caption></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/01/delinquency-moves-up.png</image:loc><image:title>Delinquency moves up</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/01/shiller-pe-ratio-dec-31.png</image:loc><image:title>shiller pe ratio dec 31</image:title></image:image><lastmod>2025-01-02T09:08:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2025/01/01/europe-and-canada-inflation-0-for-4-months/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/01/canada-inflation.jpg</image:loc><image:title>canada inflation</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2025/01/inflation-europe-0.jpg</image:loc><image:title>Inflation europe 0</image:title></image:image><lastmod>2025-01-01T17:57:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2024/12/29/m1-money-supply-now-rising-positive-since-october/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/12/m1-rising.jpg</image:loc><image:title>M1 rising</image:title></image:image><lastmod>2024-12-29T18:06:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2024/12/29/gold-now-trades-with-the-euro/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/12/gold-bear.png</image:loc><image:title>gold bear</image:title></image:image><lastmod>2024-12-29T13:16:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2024/12/29/bankruptcies-back-to-2019-levels-but-rising-33-per-year/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/12/sek.png</image:loc><image:title>SEK</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/12/bankruptcies-back.jpg</image:loc><image:title>Bankruptcies back</image:title></image:image><lastmod>2024-12-29T10:44:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2024/12/22/once-again-xle-not-bear-yet-but-next-year/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/12/xle-1.png</image:loc><image:title>xle</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/12/xle.png</image:loc><image:title>XLE</image:title></image:image><lastmod>2024-12-24T08:42:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2024/12/22/american-tower-12-yoy-and-rents-keep-falling/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/12/employess-at-nonbank-lenders.png</image:loc><image:title>Employess at nonbank lenders</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/12/median-rents-drop-yoy.jpg</image:loc><image:title>Median rents drop YoY</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/12/amt.png</image:loc><image:title>amt</image:title></image:image><lastmod>2024-12-24T08:40:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2024/12/20/where-does-the-crisis-come-from/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/12/last-dec-pos-now-neg.png</image:loc><image:title>Last Dec pos now neg</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/12/fed-cant-save-you.jpg</image:loc><image:title>Fed cant save you</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/12/xle-bear.png</image:loc><image:title>XLE bear</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/12/gld.png</image:loc><image:title>GLD</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/12/gld-2024.png</image:loc><image:title>GLD 2024</image:title></image:image><lastmod>2024-12-21T11:16:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2024/12/18/europe-construction-negative-also-from-feb-2024/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/12/europe-1-year.jpg</image:loc><image:title>Europe 1 year</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/12/uk.jpg</image:loc><image:title>UK</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/12/const-euro-empl.jpg</image:loc><image:title>Const euro empl</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/12/euro-constr-1.jpg</image:loc><image:title>Euro constr 1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/12/construc-europe-down-2-1.jpg</image:loc><image:title>Construc europe down 2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/12/europe-constr-neg-2.jpg</image:loc><image:title>Europe Constr neg 2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/12/construc-europe-down-2.jpg</image:loc><image:title>Construc europe down 2</image:title></image:image><lastmod>2024-12-19T12:55:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2024/12/14/oex-signals-bear-market-6-months-ahead-july-2021/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/12/bearish-oex-trend-down.jpg</image:loc><image:title>Bearish OEX trend down</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/12/construction-bear.jpg</image:loc><image:title>Construction Bear</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/12/abnb-bear.png</image:loc><image:title>ABNB bear</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/12/bearish-oex.jpg</image:loc><image:title>Bearish OEX</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/12/1.png</image:loc><image:title>1</image:title></image:image><lastmod>2024-12-15T12:46:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2024/12/15/unemployment-claims-rise-again-optimism-fading/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/12/mo-uc-dec.jpg</image:loc><image:title>MO UC Dec</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/12/cc-1.jpg</image:loc><image:title>CC</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/12/uc-high-again.jpg</image:loc><image:title>UC high again</image:title></image:image><lastmod>2024-12-15T12:18:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2024/12/12/m2-also-rising-from-may/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/12/m2.jpg</image:loc><image:title>M2</image:title></image:image><lastmod>2024-12-12T13:45:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2024/12/09/interest-rate-differential-2025-usd-eur/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/12/ird-2.jpg</image:loc><image:title>IRD</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/12/ird-1.jpg</image:loc><image:title>IRD</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/12/ird.jpg</image:loc><image:title>IRD</image:title></image:image><lastmod>2024-12-09T11:27:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2024/12/08/bond-bull-resumes/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/12/ur-2007-1.jpg</image:loc><image:title>UR 2007</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/12/ur-2007.jpg</image:loc><image:title>UR 2007</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/12/ur-moves-up.jpg</image:loc><image:title>UR moves up</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/12/bond-bull-resumes-1.png</image:loc><image:title>Bond Bull Resumes</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/12/bond-bull-resumes.png</image:loc><image:title>Bond Bull Resumes</image:title></image:image><lastmod>2024-12-08T09:07:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2024/12/06/empl-population-breaks-down-lowest-since-apr-2022/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/12/cc.jpg</image:loc><image:title>CC</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/12/epop.jpg</image:loc><image:title>EPop</image:title></image:image><lastmod>2024-12-07T08:46:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2024/11/26/economy-weakening-but-not-2007/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/11/bank-credit-slows.jpg</image:loc><image:title>Bank Credit Slows</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/11/delinq-comparison.jpg</image:loc><image:title>Delinq Comparison</image:title></image:image><lastmod>2024-12-04T12:26:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2024/12/04/bond-bull-returns/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/12/construction-knows.jpg</image:loc><image:title>Construction knows</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/12/bond-bull-returns.png</image:loc><image:title>bond bull returns</image:title></image:image><lastmod>2024-12-04T10:59:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2024/12/02/money-supply-m1-goes-to-cash-wmt-booms/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/12/cb-2025.jpg</image:loc><image:title>CB 2025</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/12/kid-says-look-at-wmt.people-poorer-switch-to-wmt.png</image:loc><image:title>kid says look at wmt....people poorer switch to wmt</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/12/enterin-recession-now-i-agree.jpg</image:loc><image:title>Enterin recession now i agree</image:title></image:image><lastmod>2024-12-02T13:52:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2024/11/25/how-to-know-usd-is-in-a-bull-market/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/11/img_3497.png</image:loc><image:title>IMG_3497</image:title></image:image><lastmod>2024-11-28T12:58:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2024/11/24/core-inflation-and-payrolls-trend-down/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/11/pr-mo-2024-1.jpg</image:loc><image:title>PR mo 2024</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/11/pr-yoy-2024-1.jpg</image:loc><image:title>PR YoY 2024</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/11/core-inflation-peaked-oct-2024-1.jpg</image:loc><image:title>core inflation peaked Oct 2024</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/11/pr-mo-2024.jpg</image:loc><image:title>PR mo 2024</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/11/pr-yoy-2024.jpg</image:loc><image:title>PR YoY 2024</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/11/core-inflation-peaked-oct-2024.jpg</image:loc><image:title>core inflation peaked Oct 2024</image:title></image:image><lastmod>2024-11-24T10:17:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2024/11/17/usd-breaks-2y-and-oil-3y-trends/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/11/1.jpg</image:loc><image:title>1</image:title></image:image><lastmod>2024-11-17T08:23:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2024/11/17/spy-correction-last-october-10-inflation-falls/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/11/spy-inflation-falls.jpg</image:loc><image:title>SPY inflation falls</image:title></image:image><lastmod>2024-11-17T06:54:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2024/11/16/utwo-first-day-above-12dma/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/11/utwo-first-day-above.png</image:loc><image:title>UTWO first day above</image:title></image:image><lastmod>2024-11-16T10:09:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2024/11/09/usd-back-confirms-deflationary-envoronment/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/11/usd-back-to-bull-deflationary.png</image:loc><image:title>USD back to bull deflationary</image:title></image:image><lastmod>2024-11-09T06:22:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2024/11/08/vix-needs-to-drop-by-last-week-of-month/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/11/vix-needs-to-drop-by-last-wk-of-month.png</image:loc><image:title>Vix needs to drop by last wk of Month</image:title></image:image><lastmod>2024-11-08T13:42:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2024/10/28/inflation-and-unemployment-claims/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/10/mo-uc-and-inflation.jpg</image:loc><image:title>MO UC and Inflation</image:title></image:image><lastmod>2024-10-29T10:36:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2024/10/27/bear-market-long-term-spyvix-ratio/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/10/bull-and-bear.png</image:loc><image:title>Bull and bear</image:title></image:image><lastmod>2024-10-27T11:02:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2024/09/19/still-a-bear-market-after-50bps-drop/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/09/1-1.png</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/09/still-a-bear-mkt.png</image:loc><image:title>still a bear mkt</image:title></image:image><lastmod>2024-09-29T13:10:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2024/09/26/deflationary-pressure-keeps-building-until-next-march/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/09/deflationary-pressure-2.jpg</image:loc><image:title>Deflationary pressure</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/09/deflationary-pressure-1.jpg</image:loc><image:title>Deflationary pressure</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/09/deflationary-pressure.jpg</image:loc><image:title>Deflationary pressure</image:title></image:image><lastmod>2024-09-29T13:00:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2024/09/20/1-year-treasury-falls-rapidly-last-10-wks-deflationary/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/09/1.png</image:loc><image:title>1</image:title></image:image><lastmod>2024-09-20T10:20:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2024/09/13/mortgage-write-downs-1-48t-q2-2008-to-q2-2013-5y/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/09/2-1.jpg</image:loc><image:title>2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/09/1.jpg</image:loc><image:title>1</image:title></image:image><lastmod>2024-09-13T13:13:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2024/09/05/new-construction-turns-down-from-jan-nov-2022/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/09/3.jpg</image:loc><image:title>3</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/09/under-construction.jpg</image:loc><image:title>Under construction</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/09/2.jpg</image:loc><image:title>2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/09/new-construction.jpg</image:loc><image:title>New construction</image:title></image:image><lastmod>2024-09-06T10:43:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2024/09/05/jolts-job-openings-falls-faster-than-2007/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/09/jolts-falls-faster-than-2007.jpg</image:loc><image:title>JOLTS falls faster than 2007</image:title></image:image><lastmod>2024-09-05T17:39:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2024/09/05/marcus-aurelius-phase-125y-decline-now-mid-way/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/09/roman-mid-decline-marcus-aurelius-125y-down-phase.-50-100y-left.jpg</image:loc><image:title>Screenshot</image:title><image:caption>Screenshot</image:caption></image:image><lastmod>2024-09-05T09:31:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2024/09/03/inflation-adjusted-house-price-real-estate/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/09/inflation-adjusted-home-price.jpg</image:loc><image:title>Inflation Adjusted Home Price</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/09/inflation-adhusted-house-price.png</image:loc><image:title>Inflation Adhusted house price</image:title></image:image><lastmod>2024-09-05T03:35:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2024/09/02/vix-lines-have-crossed-bear-mkt/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/09/vix.png</image:loc><image:title>vix</image:title></image:image><lastmod>2024-09-02T11:15:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2024/08/30/bear-confirmation-spyvix-finally/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/08/bear-confirmation.png</image:loc><image:title>bear confirmation</image:title></image:image><lastmod>2024-08-30T14:11:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2024/08/16/lower-low-means-bear-market/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/08/abnb-bear.png</image:loc><image:title>abnb bear</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/08/oil-bear.png</image:loc><image:title>OIl bear</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/08/lower-low.png</image:loc><image:title>lower low</image:title></image:image><lastmod>2024-08-16T09:57:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2024/08/16/unemployment-accelerating-upwards/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/08/ur.jpg</image:loc><image:title>UR</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/08/ur-roc.jpg</image:loc><image:title>UR ROC</image:title></image:image><lastmod>2024-08-16T07:38:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2024/07/25/unemployment-rate-rising-from-3-5-to-4-1/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/07/ur-rising.jpg</image:loc><image:title>UR rising</image:title></image:image><lastmod>2024-07-25T13:27:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2024/07/17/2-year-treasury-bull-resumes-may/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/07/2y-treasury-bull-picks-up-in-may.recession-q1-2025.png</image:loc><image:title>2y treasury bull picks up in May...recession q1 2025</image:title></image:image><lastmod>2024-07-17T08:47:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2024/03/23/a-new-dark-age-cant-predict-when-it-will-end-must-burn-out-naturally-in-20-50-years/</loc><lastmod>2024-06-22T12:28:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2024/06/22/inflation-falls-faster-in-june/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/06/1.jpg</image:loc><image:title>1</image:title></image:image><lastmod>2024-06-22T08:58:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2024/04/18/the-hunter-stalks-replaces-the-man-predicts-the-king-reacts/</loc><lastmod>2024-06-11T09:38:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2024/03/23/employment-to-population-declines-in-feb-yoy-for-first-time-since-2013-and-may-2007/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/03/etopopn.jpg</image:loc><image:title>etopopn</image:title></image:image><lastmod>2024-03-23T09:19:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2024/03/23/this-recession-will-take-longer-to-play-out-than-previous-recessions-expect-3-year-bear-market/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/03/this-recession-longer.png</image:loc><image:title>this-recession-longer</image:title></image:image><lastmod>2024-03-23T08:47:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2024/02/24/delinquency-moves-up-like-2007/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/02/delinq-up.jpg</image:loc><image:title>delinq-up</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/02/delinquency-up-yoy-1.jpg</image:loc><image:title>delinquency-up-yoy-1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2024/02/delinquency-up-yoy.jpg</image:loc><image:title>delinquency-up-yoy</image:title></image:image><lastmod>2024-02-24T10:45:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2023/10/30/xly-consumer-spending-crosses-to-bear/</loc><lastmod>2023-10-30T08:34:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2023/10/08/payroll-growth-approaches-2-and-fell-1-9-last-year/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2023/10/1.jpg</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2023/10/growth-rate-falls.jpg</image:loc><image:title>growth-rate-falls</image:title></image:image><lastmod>2023-10-08T09:53:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2023/08/27/just-released-credit-card-delinquency-rises-the-most-and-all-loans-up-yoy/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2023/08/all-loans.jpg</image:loc><image:title>all-loans</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2023/08/1-1.jpg</image:loc><image:title>1-1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2023/08/1.jpg</image:loc><image:title>1</image:title></image:image><lastmod>2023-08-27T10:57:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2023/07/14/insured-unemployment-rate-up-yoy/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2023/07/image.png</image:loc><image:title>image</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2023/07/insured-ur.jpg</image:loc><image:title>insured-ur</image:title></image:image><lastmod>2023-07-14T12:57:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2023/06/16/unemployment-claims-breakout-to-upside-highest-in-a-year-and-growth-has-dropped-to-1-recession-next-year/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2023/06/growth-has-died-now-1-.recession-next-year.jpg</image:loc><image:title>growth-has-died-now-1-.recession-next-year</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2023/06/ui-claims-breakout.jpg</image:loc><image:title>ui-claims-breakout</image:title></image:image><lastmod>2023-06-16T07:46:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2023/05/25/credit-card-delinquencies-q1-2023-rising-fast-canary-in-the-coal-mine/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2023/05/credit-card-delinq-q1-2023.png</image:loc><image:title>credit-card-delinq-q1-2023</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2023/05/img_7974.png</image:loc><image:title>img_7974</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2023/05/img_8046.png</image:loc><image:title>img_8046</image:title></image:image><lastmod>2023-05-25T13:29:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2023/05/24/layoff-charts-first-tech-only-then-all/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2023/05/job-cuts.jpg</image:loc><image:title>job-cuts</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2023/05/techlayoffs.jpg</image:loc><image:title>techlayoffs</image:title></image:image><lastmod>2023-05-25T04:48:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2023/05/24/blue-line-needs-to-level-and-rise/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2023/05/blue-line-needs-to-level.png</image:loc><image:title>blue-line-needs-to-level</image:title></image:image><lastmod>2023-05-25T04:43:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2023/05/12/shelter-inflation-breaks-trend-to-downside/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2023/05/shelter.jpg</image:loc><image:title>shelter</image:title></image:image><lastmod>2023-05-12T06:59:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2023/05/10/cc-trend-and-change-in-unemployment-rate-ur/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2023/05/cc-trend-and-ur.png</image:loc><image:title>cc-trend-and-ur</image:title></image:image><lastmod>2023-05-10T05:39:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2023/02/22/changed-gas-link/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2023/02/2.jpg</image:loc><image:title>2</image:title></image:image><lastmod>2023-02-22T20:54:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2023/02/22/monthly-continuing-claims-turns-when-recession-over/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2023/02/1.jpg</image:loc><image:title>1</image:title></image:image><lastmod>2023-02-22T20:41:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2023/01/06/bear-xle-bull-tlt/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2023/01/bear-xle-bull-tlt.png</image:loc><image:title>bear-xle-bull-tlt</image:title></image:image><lastmod>2023-01-06T20:54:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2023/01/06/housing-market-index-must-turn-before-econ-recovery-4-5-years/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2023/01/housing-and-economy.png</image:loc><image:title>housing-and-economy</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2023/01/hmi-uptrend-for-recovery.png</image:loc><image:title>hmi-uptrend-for-recovery</image:title></image:image><lastmod>2023-01-06T20:52:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2022/09/30/real-estate-timing-best-indicator/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2022/09/re-timing.jpg</image:loc><image:title>re-timing</image:title></image:image><lastmod>2022-09-30T13:21:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2022/09/06/credit-cards-show-transition-real-estate/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2022/09/econtransitionconsumercredit.jpg</image:loc><image:title>econtransitionconsumercredit</image:title></image:image><lastmod>2022-09-06T10:41:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2022/06/04/jobs-start-to-go-may/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2022/06/12.jpg</image:loc><image:title>12</image:title></image:image><lastmod>2022-06-04T18:17:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2022/03/19/mortgage-market-falls-big/</loc><lastmod>2022-03-19T14:12:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2022/01/30/tlt-to-xle-2018-to-2020/</loc><lastmod>2022-01-30T19:24:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2022/01/16/tip-to-ief-shows-decline/</loc><lastmod>2022-01-16T19:32:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2022/01/04/inflation-begins-to-crack/</loc><lastmod>2022-01-04T22:57:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2021/03/18/shelter-drives-core-inflation/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2021/03/1-2.jpg</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2021/03/1-1.jpg</image:loc><image:title>1</image:title></image:image><lastmod>2021-03-20T16:28:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2021/03/07/long-term-unemployed-drives-loan-delinquency/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2021/03/1.jpg</image:loc><image:title>1</image:title></image:image><lastmod>2021-03-07T20:21:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2021/02/25/fed-policy-change-when-tip-roc-dips-to-negative/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2021/02/fpc-tip-roc-neg.png</image:loc><image:title>FPC TIP ROC neg</image:title></image:image><lastmod>2021-02-25T16:57:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2021/02/25/no-qe-for-most-of-2019/</loc><lastmod>2021-02-25T14:11:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2021/02/20/delinquencies-rise/</loc><lastmod>2021-02-21T00:59:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2020/10/28/added-fed-balance-sheet-link/</loc><lastmod>2020-10-28T21:11:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2020/02/18/jolt-non-farm-declines-most-since-2007/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2020/02/2-1.jpg</image:loc><image:title>2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2020/02/1-1.jpg</image:loc><image:title>1</image:title></image:image><lastmod>2020-02-18T08:44:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2020/02/13/job-openings-fall-rapidly-and-world-trade-shrinks/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2020/02/1-1.png</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2020/02/2.jpg</image:loc><image:title>2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2020/02/1.png</image:loc><image:title>1</image:title></image:image><lastmod>2020-02-14T08:47:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2020/02/13/money-velocity-falls-towards-5-threshold/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2020/02/1.jpg</image:loc><image:title>1</image:title></image:image><lastmod>2020-02-13T10:43:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2019/10/22/recessions-are-caused-by-unemployment-and-thats-all/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/10/3.jpg</image:loc><image:title>3</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/10/2.jpg</image:loc><image:title>2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/10/1.png</image:loc><image:title>1</image:title></image:image><lastmod>2019-10-22T15:23:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2019/09/21/12-50-and-100-dma-spy-moving-up-still/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/09/3.png</image:loc><image:title>3</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/09/oex.png</image:loc><image:title>OEX</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/09/1-1.png</image:loc><image:title>1</image:title></image:image><lastmod>2019-09-21T05:45:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2019/09/09/spy-1250-and-100-dma-are-pointing-up/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/09/2.png</image:loc><image:title>2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/09/1.png</image:loc><image:title>1</image:title></image:image><lastmod>2019-09-09T18:29:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2019/08/15/recent-mkt-movements/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/08/1.png</image:loc><image:title>1</image:title></image:image><lastmod>2019-08-15T14:42:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2019/07/29/2y-treasury-turns-up-and-june-inflation-surges-over-last-year/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/07/3.jpg</image:loc><image:title>3</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/07/2.jpg</image:loc><image:title>2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/07/1-2.jpg</image:loc><image:title>1</image:title></image:image><lastmod>2019-07-29T19:09:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2019/07/19/lei-decreased-for-first-time-this-year/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/07/1.png</image:loc><image:title>1</image:title></image:image><lastmod>2019-07-19T12:23:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2019/07/18/debt-driven-economy-still/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/07/1-1.jpg</image:loc><image:title>1</image:title></image:image><lastmod>2019-07-18T21:28:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2019/07/14/cash-anyone/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/07/cash-anyone.jpg</image:loc><image:title>Cash anyone</image:title></image:image><lastmod>2019-07-14T14:27:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2019/07/14/compare-2y-and-1y-treasury/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/07/margin-debt.png</image:loc><image:title>Margin Debt</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/07/2y-and-1y.png</image:loc><image:title>2y and 1y</image:title></image:image><lastmod>2019-07-14T07:06:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2019/07/07/the-inversion-that-matters/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/07/1.jpg</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/07/inversion-that-matters.jpg</image:loc><image:title>Inversion that matters</image:title></image:image><lastmod>2019-07-07T14:19:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2019/06/27/uc-claims-have-turned/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/06/tlt-to-oil-pullback.png</image:loc><image:title>TLT to oil pullback</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/06/vix-15-and-22.png</image:loc><image:title>VIX 15 and 22</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/06/uc-turning-up.jpg</image:loc><image:title>UC turning up</image:title></image:image><lastmod>2019-06-28T04:58:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2019/05/01/vix-macd-showing-uplift-soon-will-cross-0/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/05/vix-pressure-coming-off.png</image:loc><image:title>vix pressure coming off</image:title></image:image><lastmod>2019-05-01T13:04:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2019/04/27/tlt-macd-turning/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/04/tlt-1.png</image:loc><image:title>TLT</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/04/tlt-macd.png</image:loc><image:title>TLT macd</image:title></image:image><lastmod>2019-04-27T09:20:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2019/04/26/vix-tlt-and-spy/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/04/oil-1.png</image:loc><image:title>oil</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/04/spy-1.png</image:loc><image:title>spy</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/04/tlt.png</image:loc><image:title>TLT</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/04/vix-2.png</image:loc><image:title>Vix</image:title></image:image><lastmod>2019-04-26T18:08:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2019/04/26/russell-leads-spy-xover-aug-and-feb/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/04/russell-indicates-bear.png</image:loc><image:title>Russell Indicates Bear</image:title></image:image><lastmod>2019-04-26T12:45:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2019/04/25/tlt-getting-close/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/04/spy.png</image:loc><image:title>SPY</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/04/tlt-weekly.png</image:loc><image:title>TLT weekly</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/04/oil-short.png</image:loc><image:title>oil short</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/04/oil.png</image:loc><image:title>oil</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/04/tlt-soon-in-may.png</image:loc><image:title>TLT soon in May</image:title></image:image><lastmod>2019-04-25T09:52:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2019/04/06/2y-rates-falling-since-nov-8-falling-inflation-pressure/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/04/2.jpg</image:loc><image:title>2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/04/2-year-rate.jpg</image:loc><image:title>2 year rate</image:title></image:image><lastmod>2019-04-07T01:42:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2019/04/05/weekly-vix-momentum/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/04/1-1.png</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/04/1.png</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/04/vix-1.png</image:loc><image:title>VIX</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/04/vix.png</image:loc><image:title>VIX</image:title></image:image><lastmod>2019-04-05T16:55:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2019/03/28/quarterly-unemployment-claims/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/03/quc.jpg</image:loc><image:title>QUC</image:title></image:image><lastmod>2019-03-28T19:58:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2019/03/24/back-to-risk-off/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/03/1.png</image:loc><image:title>1</image:title></image:image><lastmod>2019-03-24T07:52:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2019/03/14/oil-soon-ob-again/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/03/3.png</image:loc><image:title>3</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/03/bull-here-also.png</image:loc><image:title>Bull here also</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/03/oil-back-to-bull.png</image:loc><image:title>Oil Back to Bull</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/03/oil-soon-ob.png</image:loc><image:title>Oil soon OB</image:title></image:image><lastmod>2019-03-14T08:35:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2019/03/13/payroll-slowdown-to-20k-lowest-feb/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/03/ism-decline.jpg</image:loc><image:title>ISM decline</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/03/6.jpg</image:loc><image:title>6</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/03/5.jpg</image:loc><image:title>5</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/03/payroll-data-1.jpg</image:loc><image:title>Payroll Data</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/03/2-2.jpg</image:loc><image:title>2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/03/3.jpg</image:loc><image:title>3</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/03/2-1.jpg</image:loc><image:title>2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/03/2.jpg</image:loc><image:title>2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/03/payroll-data.jpg</image:loc><image:title>Payroll Data</image:title></image:image><lastmod>2019-03-13T07:16:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2019/03/12/vix-moves-sideways/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/03/vix-sideways.png</image:loc><image:title>Vix sideways</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/03/vix-trend.png</image:loc><image:title>Vix trend</image:title></image:image><lastmod>2019-03-12T19:25:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2019/02/28/market-topping/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/02/oex-topped.png</image:loc><image:title>OEX topped</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/02/small-ha-bars-topping.png</image:loc><image:title>Small HA bars topping</image:title></image:image><lastmod>2019-02-28T07:26:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2019/02/16/real-rates-0-9-now-highest-since-2007/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/02/1-1.jpg</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/02/uc-x-0.jpg</image:loc><image:title>UC X 0</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/02/real-rates.jpg</image:loc><image:title>Real Rates</image:title></image:image><lastmod>2019-02-16T10:14:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2019/02/14/inflation-strong-in-jan-0-24/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/02/usd-returns-to-uptrend.jpg</image:loc><image:title>USD returns to uptrend</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/02/uclaims-close-to-0-x.jpg</image:loc><image:title>UClaims close to 0 X</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/02/inflation-strong.jpg</image:loc><image:title>Inflation strong</image:title></image:image><lastmod>2019-02-14T12:32:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2019/01/12/still-a-bear-best-indicator-below/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/01/real-interest-rates.jpg</image:loc><image:title>real interest rates</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/01/1-1.png</image:loc><image:title>1</image:title></image:image><lastmod>2019-02-03T22:04:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2019/02/03/inflation-keeps-falling-weakening-economy/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/02/1.jpg</image:loc><image:title>1</image:title></image:image><lastmod>2019-02-03T21:23:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2019/01/12/spy-bull-or-bear-200dma-declining-and-biggest-dip-since-2009/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/01/4.jpg</image:loc><image:title>4</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/01/inflation-3.jpg</image:loc><image:title>inflation 3</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/01/2.png</image:loc><image:title>2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2019/01/1.png</image:loc><image:title>1</image:title></image:image><lastmod>2019-01-16T15:50:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2018/12/21/usd-macd-black-x-red-spy-bull-ahead-buy/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/12/USD-bull-ahead.png</image:loc><image:title>USD bull ahead</image:title></image:image><lastmod>2018-12-21T07:07:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2018/12/18/usd-starts-to-weaken/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/12/USD-starts-to-weaken.png</image:loc><image:title>USD starts to weaken</image:title></image:image><lastmod>2018-12-18T08:20:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2018/12/14/oil-moves-sideways-and-macd-shows-x-over/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/12/Close-to-Inversion.jpg</image:loc><image:title>Close to Inversion</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/12/1.png</image:loc><image:title>1</image:title></image:image><lastmod>2018-12-14T14:54:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2018/11/22/inflation-coming-down/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/11/inflation-for-nov-2018.jpg</image:loc><image:title>Inflation for Nov 2018</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/11/uc-claims-great.jpg</image:loc><image:title>UC Claims great</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/11/inflation-coming-down.jpg</image:loc><image:title>Inflation coming down</image:title></image:image><lastmod>2018-11-24T11:33:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2018/11/01/spy-has-turned-and-oil-has-flattened/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/11/4.png</image:loc><image:title>4</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/11/3.png</image:loc><image:title>3</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/11/2.png</image:loc><image:title>2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/11/1.png</image:loc><image:title>1</image:title></image:image><lastmod>2018-11-02T05:21:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2018/10/29/oil-needs-more-downside-to-control-inflation/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/10/oil-1.png</image:loc><image:title>Oil 1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/10/inflation-rebounds-oct-2018.jpg</image:loc><image:title>Inflation rebounds Oct 2018</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/10/oil-needs-more-downside-to-control-inflation.png</image:loc><image:title>Oil needs more downside to control inflation</image:title></image:image><lastmod>2018-10-29T20:20:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2018/10/26/roc14-in-2011-hit-15/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/10/spy-2011.png</image:loc><image:title>SPy 2011</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/10/vix-2011.png</image:loc><image:title>VIX 2011</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/10/roc-2011.png</image:loc><image:title>ROC 2011</image:title></image:image><lastmod>2018-10-26T14:02:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2018/10/15/vix-needs-to-x-15/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/10/vix-needs-to-cross-15.png</image:loc><image:title>vix needs to cross 15</image:title></image:image><lastmod>2018-10-15T14:55:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2018/10/15/once-vix-ha-exceeds-20-digestion-takes-a-longer-time/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/10/vix-long.png</image:loc><image:title>VIX long</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/10/long-digestion.png</image:loc><image:title>Long Digestion</image:title></image:image><lastmod>2018-10-15T09:56:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2018/10/14/but-this-is-not-april-inflation-falling/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/10/apr-2018-vix-ohlc.png</image:loc><image:title>Apr 2018 VIX OHLC</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/10/vix-gha-small-green.png</image:loc><image:title>VIX GHA small green</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/10/roc-turned.jpg</image:loc><image:title>ROC turned</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/10/gas-moves-up-oct-14-2018.jpg</image:loc><image:title>gas moves up oct 14 2018</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/10/14.png</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/10/13.png</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/10/12.png</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/10/inflation-falling-oct-2018.jpg</image:loc><image:title>Inflation falling Oct 2018</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/10/inflation-falling-gcpi-oct-2018.jpg</image:loc><image:title>Inflation falling GCPI Oct 2018</image:title></image:image><lastmod>2018-10-14T21:55:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2018/10/11/similar-spy-and-vix-below-vix-now-25/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/10/similar-vix-2016.png</image:loc><image:title>Similar Vix 2016</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/10/similar-spy-2016.png</image:loc><image:title>Similar SPY 2016</image:title></image:image><lastmod>2018-10-11T22:14:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2018/10/11/watch-for-vix-retreat-needs-to-close-lower/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/10/vix-bkout-oct-4-2018.jpg</image:loc><image:title>Vix bkout Oct 4 2018</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/10/vix.jpg</image:loc><image:title>VIX</image:title></image:image><lastmod>2018-10-11T10:47:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2018/10/10/chop-chop-after-feb-fall/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/10/11.png</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/10/chop-chop.png</image:loc><image:title>chop chop</image:title></image:image><lastmod>2018-10-10T21:37:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2018/10/04/roc14-on-decline-pullback-as-spy-to-x-red-line-today/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/10/1.png</image:loc><image:title>1</image:title></image:image><lastmod>2018-10-04T11:42:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2018/09/25/roc5-shows-downtrend-oct-3-entry/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/09/roc5.jpg</image:loc><image:title>ROC5</image:title></image:image><lastmod>2018-09-25T19:04:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2018/09/17/first-time-inflation-has-dropped-since-dec-2017/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/09/sep-inflation-low.jpg</image:loc><image:title>Sep Inflation low</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/09/ccpi.jpg</image:loc><image:title>CCPI</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/09/gcpi.jpg</image:loc><image:title>GCPI</image:title></image:image><lastmod>2018-09-17T11:08:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2018/09/05/a-significant-drop-on-roc-downtrend/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/09/usd.jpg</image:loc><image:title>USD</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/09/falling-inflation-aug.jpg</image:loc><image:title>Falling Inflation Aug</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/09/roc.jpg</image:loc><image:title>ROC-</image:title></image:image><lastmod>2018-09-05T06:26:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2018/06/13/oil-outperforms-spy-since-mar/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/06/2.png</image:loc><image:title>2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/06/12.png</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/06/oil-outperformance.jpg</image:loc><image:title>Oil outperformance</image:title></image:image><lastmod>2018-06-13T10:00:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2018/06/13/on-the-other-hand-weekly-gas-falling-for-now/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/06/11.png</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/06/11.jpg</image:loc><image:title>1</image:title></image:image><lastmod>2018-06-13T07:41:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2018/06/13/inflation-going-higher-for-june-jun-18-gas-higher-still/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/06/inflation-going-higher.jpg</image:loc><image:title>Inflation going higher</image:title></image:image><lastmod>2018-06-13T07:12:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2018/06/12/gcpi-rises-to-2-8-0-3-and-ccpi-0-1-inflation-up/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/06/inflation-on-high-side.jpg</image:loc><image:title>Inflation on high side</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/06/3.jpg</image:loc><image:title>3</image:title></image:image><lastmod>2018-06-13T05:08:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2018/06/11/tlt-in-downtrend-4dma-x-12dma/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/06/tlt-2.png</image:loc><image:title>tlt 2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/06/tlt-down.png</image:loc><image:title>TLT down</image:title></image:image><lastmod>2018-06-11T18:09:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2018/06/08/usd-rate-of-change-retreats-after-hitting-4-in-4-weeks/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/06/usd-roc.png</image:loc><image:title>USD ROC</image:title></image:image><lastmod>2018-06-08T19:12:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2018/06/01/inflation-rising-highest-gas-inflation-in-over-a-year/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/06/inflation-rising.jpg</image:loc><image:title>Inflation Rising</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/06/1.jpg</image:loc><image:title>1</image:title></image:image><lastmod>2018-06-01T06:36:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2018/05/29/tltoil-transitions-to-risk-off/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/05/2.png</image:loc><image:title>2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/05/11.png</image:loc><image:title>1</image:title></image:image><lastmod>2018-05-29T08:52:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2018/05/16/real-estate-pipeline-dries-up-with-millenials/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/05/screen_shot_20170606_at_10-47-46_am.png</image:loc><image:title>screen_shot_20170606_at_10.47.46_am</image:title></image:image><lastmod>2018-05-16T14:53:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2018/05/11/real-estate-bottoms-out-3y-after-recession/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/05/4.png</image:loc><image:title>4</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/05/3.png</image:loc><image:title>3</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/05/2.jpg</image:loc><image:title>2</image:title></image:image><lastmod>2018-05-11T06:07:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2018/05/11/gas-needs-to-turn-now/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/05/1.jpg</image:loc><image:title>1</image:title></image:image><lastmod>2018-05-11T05:48:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2018/05/10/usd-bull-has-begun/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/05/1.png</image:loc><image:title>1</image:title></image:image><lastmod>2018-05-10T08:40:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2018/04/18/world-has-progressed-vs-us/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/04/white-collar-automation.jpg</image:loc><image:title>White Collar Automation</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/04/us-job-creation-by-decade.jpg</image:loc><image:title>US job creation by decade</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/04/progress-elec-consumption.jpg</image:loc><image:title>Progress Elec Consumption</image:title></image:image><lastmod>2018-04-18T15:14:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2018/04/11/ccpi-2-11-2-0-achieved/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/04/1.jpg</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/04/2.jpg</image:loc><image:title>2</image:title></image:image><lastmod>2018-04-12T06:31:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2018/04/06/no-bear-mkt-you-need-rising-unemployment-claims/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/04/bear-mkt-began-qtr-uc-q2-2007.jpg</image:loc><image:title>Bear Mkt Began Qtr UC Q2 2007</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/04/uc-q1-2018.jpg</image:loc><image:title>UC Q1 2018</image:title></image:image><lastmod>2018-04-06T13:52:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2018/04/03/tlt-jumped-mar-22-the-day-after-fed-mtg-mar-21-as-predicted/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/04/tlt-jump-after-fed-mtg.png</image:loc><image:title>TLT jump after Fed Mtg</image:title></image:image><lastmod>2018-04-03T14:35:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2018/04/02/roman-decline-took-800-years/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/04/rome-decline-copper-shipwrecks.jpg</image:loc><image:title>Rome Decline Copper Shipwrecks</image:title></image:image><lastmod>2018-04-02T11:11:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2018/03/19/wage-inflation-up-so-ccpi-should-stay-above-2-0/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/03/wage-inflation-strong.jpg</image:loc><image:title>Wage Inflation Strong</image:title></image:image><lastmod>2018-03-19T12:29:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2018/03/13/as-predicted-ccpi-1-9-next-month-2-05/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/03/2018-above-trend-inflation1.jpg</image:loc><image:title>2018 Above Trend Inflation</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/03/2018-above-trend-inflation.jpg</image:loc><image:title>2018 Above Trend Inflation</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/03/ccpi-feb-2018-mar.jpg</image:loc><image:title>CCPI Feb 2018 Mar</image:title></image:image><lastmod>2018-03-14T07:41:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2018/03/08/upcoming-jun-jul-tlt-run/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/03/tlt-dots-jun_jul-2016.png</image:loc><image:title>TLT Dots Jun_Jul 2016</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/03/tlt-ohlc-may-jun-jul-20161.png</image:loc><image:title>TLT OHLC May Jun Jul 2016</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/03/tlt-ohlc-may-jun-jul-2016.png</image:loc><image:title>TLT OHLC May Jun Jul 2016</image:title></image:image><lastmod>2018-03-08T12:12:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2018/03/04/after-friday-no-double-dip-likely-tlt-mar-28-close/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/03/sc.png</image:loc><image:title>sc</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/03/macd-3mo-tlt-feb-2018.jpg</image:loc><image:title>Macd 3mo TLT Feb 2018</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/03/weekly-macd-turns-on-tlt.png</image:loc><image:title>Weekly MACD turns on TLT</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/03/tlt-feb-2018.png</image:loc><image:title>TLT Feb 2018</image:title></image:image><lastmod>2018-03-05T05:32:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2018/03/04/slope-angle-of-attack-with-inflation-rise/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/03/slope-of-ccpi-2-0-events.jpg</image:loc><image:title>Slope of CCPI 2.0 events</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/03/inflation-prediction-mar-apr-2018.jpg</image:loc><image:title>Inflation Prediction Mar Apr 2018</image:title></image:image><lastmod>2018-03-04T09:46:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2018/03/03/more-on-ccpi-2-0-events-1-96-rounded-up/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/03/4.jpg</image:loc><image:title>4</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/03/ccpi-2-0-events1.jpg</image:loc><image:title>CCPI 2.0 Events</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/03/ccpi-2-0-events.jpg</image:loc><image:title>CCPI 2.0 events</image:title></image:image><lastmod>2018-03-04T07:32:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2018/02/23/best-time-for-tlt-is-open-on-cpi-day-2-0/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/02/tlt-mar-apr-2013.png</image:loc><image:title>TLT Mar Apr 2013</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/02/12.jpg</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/02/11.jpg</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/02/2013-mar-15-cpi-day.png</image:loc><image:title>2013 Mar 15 CPI Day</image:title></image:image><lastmod>2018-03-03T09:34:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2018/02/21/double-dip-likely-vix-and-spy-4dmax-confirms/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/02/spy-ohlc-feb-2018.png</image:loc><image:title>SPY OHLC Feb 2018</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/02/2014-vix-jan-mar-dots1.png</image:loc><image:title>2014 VIX Jan Mar dots</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/02/2014-vix-jan-mar-dots.png</image:loc><image:title>2014 VIX Jan Mar dots</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/02/2016-jan-mar-vix-dots.png</image:loc><image:title>2016 Jan Mar VIX dots</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/02/2014-vix-sep-nov-dots.png</image:loc><image:title>2014 VIX Sep Nov dots</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/02/double-dip-feb-2018.jpg</image:loc><image:title>Double Dip Feb 2018</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/02/2016-feb-12-mar-04-spy-dots1.png</image:loc><image:title>2016 Feb 12 Mar 04 SPY dots</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/02/2016-feb-12-mar-04-spy-dots.png</image:loc><image:title>2016 Feb 12 Mar 04 SPY dots</image:title></image:image><lastmod>2018-03-03T05:04:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2018/02/19/oct-nov-2014-closest-roc-7-5/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/02/spy-feb-2018.png</image:loc><image:title>SPY Feb 2018</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/02/2014-roc-m7-5-event.png</image:loc><image:title>2014 ROC M7.5 Event</image:title></image:image><lastmod>2018-02-20T07:31:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2018/02/19/ccpi-2-0-transition-feb-ccpi-strong-1-84/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/02/ccpi-transition-2-0-2015-tlt-spy1.jpg</image:loc><image:title>CCPI transition 2.0 2015 TLT SPY</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/02/ccpi-transition-2-0-2015-tlt-spy.jpg</image:loc><image:title>CCPI transition 2.0 2015 TLT SPY</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/02/ccpi-transition-2-0-2013-tlt-spy.jpg</image:loc><image:title>CCPI transition 2.0 2013 TLT SPY</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/02/ccpi-transition-2-0-2011-tlt-spy.jpg</image:loc><image:title>CCPI transition 2.0 2011 TLT SPY</image:title></image:image><lastmod>2018-02-19T20:34:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2018/02/07/oil-and-tlt-2016/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/02/oil-and-tlt-2016.jpg</image:loc><image:title>Oil and TLT 2016</image:title></image:image><lastmod>2018-02-07T12:46:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2018/02/07/vix-can-stay-above-20-for-quite-a-while/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/02/vix-with-rocm10.png</image:loc><image:title>VIX with ROCM10</image:title></image:image><lastmod>2018-02-07T05:45:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2018/02/05/vix-hits-37/</loc><lastmod>2018-02-05T23:47:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2018/02/05/first-vix-21-event/</loc><lastmod>2018-02-05T08:56:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2018/02/02/both-vix-lines-rising/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/02/1.jpg</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/02/11.png</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/02/1.png</image:loc><image:title>1</image:title></image:image><lastmod>2018-02-02T17:24:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2018/01/31/vix-lines-both-rising/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/01/vix-lines-both-rising.png</image:loc><image:title>VIX lines...both rising</image:title></image:image><lastmod>2018-01-31T07:52:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2018/01/28/recession-indicators-yr-car-sales-transition-negative/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/01/uc-qtr-2-17.jpg</image:loc><image:title>UC Qtr 2-17</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/01/car-sales-2017.jpg</image:loc><image:title>Car Sales 2017</image:title></image:image><lastmod>2018-01-28T15:25:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2018/01/23/baltic-dry-index-as-recession-indicator/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/01/weaker.png</image:loc><image:title>weaker</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/01/21.png</image:loc><image:title>2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/01/12.png</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/01/3.jpg</image:loc><image:title>3</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/01/2.png</image:loc><image:title>2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/01/11.png</image:loc><image:title>1</image:title></image:image><lastmod>2018-01-23T16:08:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2018/01/20/car-sales-negative-yoy/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/01/fredgraph.png</image:loc><image:title>fredgraph</image:title></image:image><lastmod>2018-01-20T11:41:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2018/01/19/vix-base-is-rising/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/01/1.png</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/01/vix-rising.png</image:loc><image:title>VIX rising</image:title></image:image><lastmod>2018-01-20T11:00:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2018/01/14/estimated-returns-for-12-years-now-1-lowest-ever/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/01/hussman-estimated-returns.png</image:loc><image:title>Hussman Estimated Returns</image:title></image:image><lastmod>2018-01-15T17:29:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2018/01/15/end-of-growth-robert-gordon-ted-talk/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/01/robert-gordon-chart-2.jpg</image:loc><image:title>Robert Gordon chart 2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/01/robert-gordon-chart-1.jpg</image:loc><image:title>Robert Gordon chart 1</image:title></image:image><lastmod>2018-01-15T12:44:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2018/01/03/on-the-way-to-inversion-and-the-pause-in-dec-2018/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/01/inversion-2007.jpg</image:loc><image:title>Inversion 2007</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/01/12.jpg</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/01/11.jpg</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/01/1.jpg</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/01/dtus-breaks-out.png</image:loc><image:title>DTUS breaks out</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2018/01/recession-indicator.jpg</image:loc><image:title>recession indicator</image:title></image:image><lastmod>2018-01-03T22:15:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2017/12/23/tax-cut-effect-will-last-6-months/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/12/ccpi-history.jpg</image:loc><image:title>CCPI history</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/12/tax-cut-2011-inflation-and-real-income-effect.jpg</image:loc><image:title>Tax cut 2011 Inflation and Real Income Effect</image:title></image:image><lastmod>2017-12-30T07:33:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2017/12/17/main-issue-now-vix-has-to-rise/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/12/change-in-vix2.jpg</image:loc><image:title>Change in VIX</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/12/change-in-vix1.jpg</image:loc><image:title>Change in VIX</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/12/change-in-vix.jpg</image:loc><image:title>Change in VIX</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/12/ccpi-2018.jpg</image:loc><image:title>CCPI 2018</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/12/inflation-2017.jpg</image:loc><image:title>Inflation 2017</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/12/main-issue-vix-has-to-rise1.png</image:loc><image:title>Main Issue Vix has to rise</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/12/main-issue-vix-has-to-rise.png</image:loc><image:title>Main Issue Vix has to rise</image:title></image:image><lastmod>2017-12-21T13:06:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2017/12/09/oil-macd-black-line-to-x-red-line/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/12/fredgraph.png</image:loc><image:title>fredgraph</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/12/usd-trend.png</image:loc><image:title>USD trend</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/12/oil-macd.jpg</image:loc><image:title>Oil Macd</image:title></image:image><lastmod>2017-12-19T18:46:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2017/12/17/dec-gas-prices-down-2017-and-were-up-2016/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/12/tlt-to-spy-due-for-upturn.png</image:loc><image:title>TLT to SPY due for upturn</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/12/2016_2017-gas-price-difference.jpg</image:loc><image:title>2016_2017 gas price difference</image:title></image:image><lastmod>2017-12-17T11:37:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2017/12/16/risk-off-stronger-in-2018/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/12/tlt-to-oil-macd.png</image:loc><image:title>TLT to Oil macd</image:title></image:image><lastmod>2017-12-16T13:24:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2017/11/09/sp-yr-returns-and-surges-crashes/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/11/13.jpg</image:loc><image:title>1</image:title></image:image><lastmod>2017-12-13T07:21:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2017/12/03/credit-card-delinquencies-up/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/12/1.jpg</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/12/credit-card-dekinq-sep-2017.jpg</image:loc><image:title>Credit Card Dekinq Sep 2017</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/12/credit-card-delinquency-sep-2017.jpg</image:loc><image:title>Credit Card Delinquency Sep 2017</image:title></image:image><lastmod>2017-12-06T19:13:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2017/12/06/spy-not-so-favorable-2018/</loc><lastmod>2017-12-06T19:11:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2017/11/26/vix-20-events/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/11/vix-20-events1.jpg</image:loc><image:title>VIX 20 events</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/11/vix20-events-vix1.jpg</image:loc><image:title>VIX20 Events vix</image:title></image:image><lastmod>2017-12-04T04:02:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2017/11/24/as-vix-rises-pullbacks-corrections-get-bigger/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/11/vix-20-after-2015.jpg</image:loc><image:title>Vix 20 after 2015</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/11/3-vix-20-events-per-year-after-holidays-fed-policy-driven-exc-for-congress-once.jpg</image:loc><image:title>3 VIX 20 events per year. AFTER holidays. Fed policy driven exc for congress once</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/11/spy-2007-3-dips.png</image:loc><image:title>SPY 2007 3 dips</image:title></image:image><lastmod>2017-11-24T15:31:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2017/11/23/ccpi-on-the-rise-1-80/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/11/16.jpg</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/11/15.jpg</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/11/tlt-returns.jpg</image:loc><image:title>TLT returns</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/11/tlt-return-table.jpg</image:loc><image:title>TLT Return Table</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/11/ccpi-and-tlt-returns.jpg</image:loc><image:title>CCPI and TLT returns</image:title></image:image><lastmod>2017-11-24T11:33:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2017/11/10/economy-not-booming/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/11/rpi-monthly-yoy1.jpg</image:loc><image:title>RPI monthly YoY</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/11/rpdi-and-oil.jpg</image:loc><image:title>RPDI and Oil</image:title></image:image><lastmod>2017-11-24T07:04:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2017/11/16/vix-rising-but-risk-off-8-9mo-away-still/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/11/23.png</image:loc><image:title>2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/11/15.png</image:loc><image:title>1</image:title></image:image><lastmod>2017-11-16T12:00:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2017/11/11/vix-rising-again/</loc><lastmod>2017-11-11T08:41:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2017/11/09/econ-data-shows-stimulus-has-worn-out/</loc><lastmod>2017-11-09T12:38:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2017/02/11/recession-chain-of-events/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/02/fredgraph3.png</image:loc><image:title>fredgraph3</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/02/delinquencyusdoil1.jpg</image:loc><image:title>delinquencyusdoil</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/02/yryr-growth-all-loans.jpg</image:loc><image:title>yryr-growth-all-loans</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/02/comm-and-industrial.jpg</image:loc><image:title>comm-and-industrial</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/02/delinquencyusdoil.jpg</image:loc><image:title>delinquencyusdoil</image:title></image:image><lastmod>2017-11-08T22:36:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2017/11/08/vix-too-low-for-a-10-correction-in-jan-but-it-has-bottomed/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/11/1-png.jpg</image:loc><image:title>1.png</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/11/21.png</image:loc><image:title>2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/11/12.png</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/11/11.png</image:loc><image:title>1</image:title></image:image><lastmod>2017-11-08T16:28:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2017/11/07/fed-futures-rocket-up/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/11/fed-futures-rise-rapidly.jpg</image:loc><image:title>Fed Futures Rise Rapidly</image:title></image:image><lastmod>2017-11-07T12:33:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2017/11/05/inflationeconomy-weak/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/11/11.jpg</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/11/1.jpg</image:loc><image:title>1</image:title></image:image><lastmod>2017-11-05T10:02:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2017/11/01/vix-tremors-in-april/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/11/2.png</image:loc><image:title>2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/11/1.png</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/11/vix-tremors.png</image:loc><image:title>VIX tremors</image:title></image:image><lastmod>2017-11-01T22:33:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2017/09/05/euro-overbought-and-usd-turning-in-2-months/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/09/1.png</image:loc><image:title>1</image:title></image:image><lastmod>2017-09-07T21:10:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2017/06/15/next-fed-rise-dec-jan-run/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/06/oil-down.png</image:loc><image:title>Oil down</image:title></image:image><lastmod>2017-06-15T09:55:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2017/06/14/ccpi-at-lowest-oil-will-cause-it-to-rebound/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/06/fed-futures.jpg</image:loc><image:title>Fed Futures</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/06/ccpi-2-0.jpg</image:loc><image:title>CCPI 2.0</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/06/fredgraph3.png</image:loc><image:title>fredgraph(3)</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/06/fredgraph2.png</image:loc><image:title>fredgraph(2)</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/06/fredgraph.png</image:loc><image:title>fredgraph</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/06/core-inflation-lowest.png</image:loc><image:title>Core Inflation Lowest</image:title></image:image><lastmod>2017-06-15T06:48:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2017/06/09/oil-rolls-over/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/06/usd-will-go-sideways-then-up.png</image:loc><image:title>USD will go sideways then up</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/06/oil-2008-ha-daily.png</image:loc><image:title>Oil 2008 HA daily</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/06/oil-wkly-ha-2008.png</image:loc><image:title>Oil Wkly HA 2008</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/06/oil-loses-momentum-since-march.png</image:loc><image:title>Oil Loses Momentum since March</image:title></image:image><lastmod>2017-06-09T13:08:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2017/06/01/oil-40wma-flattening-out/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/06/uc-yoy.png</image:loc><image:title>UC YoY</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/06/oil-40wkma-rolling-over1.png</image:loc><image:title>Oil 40wkma rolling over</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/06/oil-40wkma-rolling-over.png</image:loc><image:title>Oil 40wkma rolling over</image:title></image:image><lastmod>2017-06-01T12:11:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2017/05/19/oil-to-rise-4mo/</loc><lastmod>2017-05-31T08:54:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2017/05/21/shelter-drives-core-inflation-back-to-mean/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/05/fredgraph4.png</image:loc><image:title>fredgraph(4)</image:title></image:image><lastmod>2017-05-31T08:50:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2017/04/22/2-more-rises-sep-and-dec/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/04/1.gif</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/04/1.jpg</image:loc><image:title>1</image:title></image:image><lastmod>2017-05-26T22:28:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2017/05/19/ccpi-turns-upward-from-0-1-to-0-1/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/05/fredgraph3.png</image:loc><image:title>fredgraph(3)</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/05/ccpi-reverses.jpg</image:loc><image:title>ccpi reverses</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/05/cpi-april1.jpg</image:loc><image:title>CPI April</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/05/cpi-april.jpg</image:loc><image:title>CPI 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s://thecreditflowinvestor.com/2017/02/13/ofc-trading-model/</loc><lastmod>2017-02-13T12:48:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2017/02/08/delinquencies-falling-at-a-slower-speed/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/02/college-cost.jpg</image:loc><image:title>college-cost</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/02/all-loans-delinquency-rate-of-change-q316.jpg</image:loc><image:title>all-loans-delinquency-rate-of-change-q316</image:title></image:image><lastmod>2017-02-09T14:42:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2017/02/07/jan-bankruptcies-up-first-time-since-2010/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/02/1.png</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/02/5.jpg</image:loc><image:title>5</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/02/3.jpg</image:loc><image:title>3</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/02/delinquency-rates.jpg</image:loc><image:title>delinquency-rates</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/02/inflationdec2016.png</image:loc><image:title>inflationdec2016</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/02/purchase-volume.jpg</image:loc><image:title>purchase-volume</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/02/bankruptcies-turn1.jpg</image:loc><image:title>bankruptcies-turn</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/02/bankruptcies-turn.jpg</image:loc><image:title>bankruptcies-turn</image:title></image:image><lastmod>2017-02-07T17:16:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2017/02/05/car-sales-show-cusp-of-recession/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/02/fredgraph2.png</image:loc><image:title>fredgraph2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/02/fredgraph1.png</image:loc><image:title>fredgraph1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/02/risk-on.png</image:loc><image:title>risk-on</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/02/fredgraph.png</image:loc><image:title>fredgraph</image:title></image:image><lastmod>2017-02-06T14:33:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2017/01/31/sp-bubble-territory/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/01/recession-coming.jpg</image:loc><image:title>recession-coming</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/01/s-and-p-bubble-territory.jpg</image:loc><image:title>s-and-p-bubble-territory</image:title></image:image><lastmod>2017-02-01T16:57:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2017/01/31/feb-offnow-june-july/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/01/gas-buddy-turns.gif</image:loc><image:title>gas-buddy-turns</image:title></image:image><lastmod>2017-01-31T10:49:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2017/01/28/risk-off-at-bottom-of-recent-chart-spring-recoiled/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/01/lowest-vix-in-5-years.png</image:loc><image:title>lowest-vix-in-5-years</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/01/16.png</image:loc><image:title>1</image:title></image:image><lastmod>2017-01-30T10:27:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2017/01/25/getting-close-gas-buddy-falls-since-jan-7/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/01/fredgraph1.png</image:loc><image:title>fredgraph1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/01/3.png</image:loc><image:title>3</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2017/01/15.png</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://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growth</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/09/money-velocity.jpg</image:loc><image:title>Money Velocity</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/09/debt-into-prices.jpg</image:loc><image:title>Debt into Prices</image:title></image:image><lastmod>2016-09-23T12:48:25+00:00</lastmod><changefreq>weekly</changefreq><priority>0.6</priority></url><url><loc>https://thecreditflowinvestor.com/2016/09/17/most-likely-no-fpc/</loc><lastmod>2016-09-20T15:01:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2016/09/14/spy-short-only-strategy-if-fpc-sep-21/</loc><lastmod>2016-09-15T02:54:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2016/08/08/alternate-spytlt-strategy/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2016/08/1.png</image:loc><image:title>1</image:title></image:image><lastmod>2016-08-08T23:56:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2016/07/27/no-fed-rate-rise-delay-to-sep-26oct-1/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2016/07/2.png</image:loc><image:title>2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2016/07/1.png</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2016/07/ccpi.jpg</image:loc><image:title>ccpi</image:title></image:image><lastmod>2016-07-28T16:32:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2016/04/08/tlt-and-spy-jul-sep-2008/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2016/04/1.png</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2016/04/2.png</image:loc><image:title>2</image:title></image:image><lastmod>2016-04-08T09:00:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2016/03/01/leading-indicator-for-tlt/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2016/03/leading-indicator-for-tlt.png</image:loc><image:title>Leading Indicator for TLT</image:title></image:image><lastmod>2016-03-01T12:00:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2016/02/21/inflation-accelerates-recession-and-crash-this-year/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2016/02/inflation-accelerates.jpg</image:loc><image:title>Inflation accelerates</image:title></image:image><lastmod>2016-02-21T13:08:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2016/02/17/tlt-to-spy-pulls-back-as-expected/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2016/02/tlt-to-spy-feb-17.png</image:loc><image:title>TLT to SPY Feb 17</image:title></image:image><lastmod>2016-02-17T20:25:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2016/02/03/leveling-of-ui-claims/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2016/02/longest-3mo-period.jpg</image:loc><image:title>Longest 3mo period</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2016/02/uic-claims-rising-soon-0x.jpg</image:loc><image:title>UIC Claims rising soon 0X</image:title></image:image><lastmod>2016-02-03T15:57:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2016/01/28/inflation-peak-will-be-july-aug-next-opportunity-july/</loc><lastmod>2016-01-28T18:30:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2016/01/21/core-inflation-2-08-rate-rise-on-jul-27/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2016/01/tlt-and-spy-2008.jpg</image:loc><image:title>TLT and SPY 2008</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2016/01/tlt-2008-png.jpg</image:loc><image:title>TLT 2008.png</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2016/01/mo-inflation-falling.jpg</image:loc><image:title>Mo inflation falling</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2016/01/core-inflation-2-08.jpg</image:loc><image:title>Core inflation 2.08</image:title></image:image><lastmod>2016-01-22T23:57:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2016/01/20/due-to-recent-tlt-surge/</loc><lastmod>2016-01-20T15:58:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2016/01/19/jan-29-at-close-to-sell-tlt/</loc><lastmod>2016-01-20T03:53:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2016/01/11/tlt-weekly-ha-still-green/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2016/01/tlt-to-spy-looks-the-same.png</image:loc><image:title>TLT to SPY looks the same</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2016/01/tlt-2008.png</image:loc><image:title>TLT 2008</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2016/01/tlt-weekly-is-green2.png</image:loc><image:title>TLT weekly is green</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2016/01/tlt-weekly-is-green1.png</image:loc><image:title>TLT weekly is green</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2016/01/tlt-weekly-is-green.png</image:loc><image:title>TLT weekly is green</image:title></image:image><lastmod>2016-01-11T20:53:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2016/01/05/low-volumes-for-tlt-this-week/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2016/01/jan-2014.png</image:loc><image:title>Jan 2014</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2016/01/tlt-to-spy-uptrend.png</image:loc><image:title>TLT to SPY uptrend</image:title></image:image><lastmod>2016-01-06T10:33:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/12/27/gas-mo-2015-negative-indicating-tlt-go/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/12/zroz-to-tlt.png</image:loc><image:title>ZROZ to TLT</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/12/gas-mo-dec-2015.jpg</image:loc><image:title>Gas Mo Dec 2015</image:title></image:image><lastmod>2015-12-27T17:53:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/12/22/tltspy-chart-shows-same-pattern-as-dec-2014/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/12/spy-dec-2014.png</image:loc><image:title>SPY Dec 2014</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/12/vix-dec-2014.png</image:loc><image:title>VIX Dec 2014</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/12/tlt-ha-dec-2014.png</image:loc><image:title>TLT HA Dec 2014</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/12/tltspydec2015.png</image:loc><image:title>TLTSPYDec2015</image:title></image:image><lastmod>2015-12-22T21:17:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/12/21/vix-rha-indicates-a-christmas-rally/</loc><lastmod>2015-12-21T15:51:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/12/18/tlt-goes-green-now-consistently/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/12/consistent-tlt.png</image:loc><image:title>Consistent TLT</image:title></image:image><lastmod>2015-12-18T17:11:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/12/17/core-inflation-hits-2-01-christmas-rally-starts/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/12/core-inflation-hit-2-0.jpg</image:loc><image:title>Core inflation hit 2.0</image:title></image:image><lastmod>2015-12-17T14:53:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/12/09/fxc-os-was-also-temporarily-in-dec-2014-before-fed-mtg/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/12/tlt-to-spy-dec-2015.png</image:loc><image:title>TLT to spy dec 2015</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/12/dec-2014-fxc.png</image:loc><image:title>Dec 2014 FXC</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/12/dec-2015-fxc1.png</image:loc><image:title>Dec 2015 FXC</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/12/dec-2015-fxc.png</image:loc><image:title>Dec 2015 FXC</image:title></image:image><lastmod>2015-12-09T12:20:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/12/05/fxc-not-os-flat-for-3-months/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/12/fxc-flat.png</image:loc><image:title>FXC flat</image:title></image:image><lastmod>2015-12-05T19:26:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/11/26/core-inflation-slows-down/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/11/1.jpg</image:loc><image:title>1</image:title></image:image><lastmod>2015-11-26T14:18:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/11/23/fxc-same-level-as-3-mo-ago/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/11/11.png</image:loc><image:title>1</image:title></image:image><lastmod>2015-11-23T13:23:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/11/19/tlt-has-achieved-rwm/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/11/tlt-to-spy.png</image:loc><image:title>TLT to SPY</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/11/spring-rewound2.jpg</image:loc><image:title>Spring rewound2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/11/uic-is-climbing.jpg</image:loc><image:title>UIC is climbing</image:title></image:image><lastmod>2015-11-19T12:39:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/11/08/tltoil-stready-but-tltspy-near-bottom-again/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/11/tlt-to-spy-near-bottom.png</image:loc><image:title>TLT to SPY near bottom</image:title></image:image><lastmod>2015-11-08T17:50:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/11/05/tlt-now-rwm-and-has-met-requirement/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/11/2.png</image:loc><image:title>2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/11/1.png</image:loc><image:title>1</image:title></image:image><lastmod>2015-11-05T13:57:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/10/27/mo-gas-less-bad-october-gas-data-is-all-in-now/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/10/monthly-gas-rebound.jpg</image:loc><image:title>Monthly Gas Rebound</image:title></image:image><lastmod>2015-10-27T14:21:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/10/21/as-expected-interest-rate-rise-wont-happen/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/10/tlt-2008.png</image:loc><image:title>TLT 2008</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/10/red-needed-before-green.png</image:loc><image:title>Red needed before green</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/10/vix-down.png</image:loc><image:title>VIX down</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/10/evolution-of-rate-hike-odds2.png</image:loc><image:title>Evolution of Rate hike Odds2</image:title></image:image><lastmod>2015-10-21T23:21:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/10/15/spy-spring-needs-to-be-rewound-to-203-204-world-debt-increases-40-since-2008/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/10/spring-rewound21.jpg</image:loc><image:title>Spring rewound2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/10/spring-rewound2.jpg</image:loc><image:title>Spring rewound2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/10/spring-wound-2.jpg</image:loc><image:title>spring wound 2</image:title></image:image><lastmod>2015-10-21T22:32:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/10/20/monthly-gas-inflation-less-bad-spy-rally-by-next-month/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/10/this-means-spy-rally-soon.jpg</image:loc><image:title>This means SPY rally soon</image:title></image:image><lastmod>2015-10-21T19:01:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/10/15/inflation-needs-to-fall-for-spy-to-rally/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/10/fxc-rsi-below-50.png</image:loc><image:title>FXC RSI below 50</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/10/inflation-needs-to-fall.jpg</image:loc><image:title>Inflation needs to fall</image:title></image:image><lastmod>2015-10-17T06:18:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/10/14/bi-wkly-gasoline-x-0/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/10/bi-wkly-gas-0.jpg</image:loc><image:title>Bi-wkly gas 0%</image:title></image:image><lastmod>2015-10-14T16:39:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/10/11/tlt-spring-oil-and-spy-both-are-reloading/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/10/tlt-2-horses-chariot.jpg</image:loc><image:title>TLT 2 horses chariot</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/10/spy-up-green.png</image:loc><image:title>SPY up green</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/10/oil-spring-reloading.png</image:loc><image:title>Oil spring reloading</image:title></image:image><lastmod>2015-10-11T13:55:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/09/26/oil-x-10wkma-and-has-been-flat-for-1-mo/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/09/tlt-bear.png</image:loc><image:title>TLT bear</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/09/tlt-wm.jpg</image:loc><image:title>tlt wm</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/09/oex-20071.png</image:loc><image:title>OEX 2007</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/09/oex-2007.png</image:loc><image:title>OEX 2007</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/09/claims-are-fine-economy-fine.jpg</image:loc><image:title>Claims are fine Economy fine</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/09/spy-due-for-rally.png</image:loc><image:title>SPY due for rally</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/09/1.png</image:loc><image:title>1</image:title></image:image><lastmod>2015-09-26T12:13:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/08/25/rebound-under-way/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/08/tlttousd.png</image:loc><image:title>TLTtoUSD</image:title></image:image><lastmod>2015-08-25T19:15:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/08/17/recessions-every-8-years-wlow-inflation-2016-next/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/08/1.png</image:loc><image:title>1</image:title></image:image><lastmod>2015-08-17T14:01:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/08/10/each-policy-change-is-approx-1-year-tlt-x-200dma/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/08/tlt.jpg</image:loc><image:title>TLT</image:title></image:image><lastmod>2015-08-11T17:19:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/08/08/tlt-x-200dma-wait-for-gwm-after-sep-fed-mtg/</loc><lastmod>2015-08-09T18:27:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/07/14/m2-money-velocity-crosses-0-in-2038-24-years-from-now/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/07/1.jpg</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/07/reflations1.jpg</image:loc><image:title>Reflations</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/07/reflations.jpg</image:loc><image:title>Reflations</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/07/m2-money-velocity-projection-2015.jpg</image:loc><image:title>M2 money velocity projection 2015</image:title></image:image><lastmod>2015-07-14T11:35:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/07/13/margin-debt-at-records-and-fibonaccis/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/07/13.png</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/07/fibonacci.jpg</image:loc><image:title>Fibonacci</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/07/overmargined.jpg</image:loc><image:title>Overmargined</image:title></image:image><lastmod>2015-07-13T11:55:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/07/05/pce-price-index-negative/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/07/3-vix-20-events-per-year-after-holidays-fed-policy-driven-exc-for-congress-once.jpg</image:loc><image:title>3 VIX 20 events per year. AFTER holidays. Fed policy driven exc for congress once</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/07/core-pce.jpg</image:loc><image:title>core PCE</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/07/21.png</image:loc><image:title>2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/07/2.png</image:loc><image:title>2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/07/12.png</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/07/pce-index-negative.jpg</image:loc><image:title>PCE Index negative</image:title></image:image><lastmod>2015-07-05T20:06:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/07/02/2015-2017-and-ace/</loc><lastmod>2015-07-04T06:21:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/07/02/net-sales-were-the-largest-since-january-2008/</loc><lastmod>2015-07-02T10:24:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/07/01/tlt-to-usd-must-get-close-or-x/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/07/spy-2007.png</image:loc><image:title>SPY 2007</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/07/spy-2011.png</image:loc><image:title>SPY 2011</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/07/11.png</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/07/1.png</image:loc><image:title>1</image:title></image:image><lastmod>2015-07-01T10:41:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/06/30/tlt-must-x-200dma-for-bull-mode/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/06/32.png</image:loc><image:title>3</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/06/26.png</image:loc><image:title>2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/06/18.png</image:loc><image:title>1</image:title></image:image><lastmod>2015-06-30T07:31:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/06/29/we-have-x-but-no-fed-policy-change/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/06/25.png</image:loc><image:title>2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/06/17.png</image:loc><image:title>1</image:title></image:image><lastmod>2015-06-29T18:50:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/06/28/two-charts-to-watch-both-have-to-x/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/06/mo-gas-transitions.jpg</image:loc><image:title>Mo Gas Transitions</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/06/24.png</image:loc><image:title>2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/06/16.png</image:loc><image:title>1</image:title></image:image><lastmod>2015-06-28T10:36:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/06/24/earliest-sign-return-to-bull-will-be-tlt-50dma/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/06/23.png</image:loc><image:title>2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/06/tlt-to-oil.png</image:loc><image:title>tlt to oil</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/06/oil-x-40wkma.png</image:loc><image:title>Oil X 40wkma</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/06/5.png</image:loc><image:title>5</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/06/4.png</image:loc><image:title>4</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/06/31.png</image:loc><image:title>3</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/06/22.png</image:loc><image:title>2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/06/15.png</image:loc><image:title>1</image:title></image:image><lastmod>2015-06-24T15:09:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/06/23/two-charts-show-tlt-bear-for-now/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/06/21.png</image:loc><image:title>2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/06/14.png</image:loc><image:title>1</image:title></image:image><lastmod>2015-06-23T16:39:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/06/21/tltusd-added-to-reference/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/06/eurozone-inflation-bounces-back.jpg</image:loc><image:title>Eurozone Inflation Bounces Back</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/06/tlt-to-fxe.png</image:loc><image:title>TLT to FXE</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/06/vix-weekly.png</image:loc><image:title>VIX weekly</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/06/13.png</image:loc><image:title>1</image:title></image:image><lastmod>2015-06-21T11:44:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/06/20/a-better-q2-number-may-drive-fed-to-statement-on-rates-july-29/</loc><lastmod>2015-06-20T12:05:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/06/19/no-interest-rate-rise-and-vix-down/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/06/coreinflationmay2015.jpg</image:loc><image:title>CoreinflationMay2015</image:title></image:image><lastmod>2015-06-19T10:12:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/06/14/3rd-day-green-at-open-and-vixha-15/</loc><lastmod>2015-06-14T20:54:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/06/14/tlt-summer-2014-similar/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/06/vix-rising-though.png</image:loc><image:title>VIX rising though</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/06/last-year-summer-vix-2014.png</image:loc><image:title>Last Year summer vix 2014</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/06/last-summer-2014.png</image:loc><image:title>Last Summer 2014</image:title></image:image><lastmod>2015-06-14T15:19:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/06/13/market-volatility-due-to-uncertainty-of-fed-rise/</loc><lastmod>2015-06-13T06:44:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/06/12/tlt-spy-ratio-high-in-marchapril-but-now-value/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/06/12.png</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/06/gas-buddy-06-12-15.gif</image:loc><image:title>Gas Buddy 06 12 15</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/06/tlt-spy.png</image:loc><image:title>TLT SPY</image:title></image:image><lastmod>2015-06-12T13:26:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/06/11/stocks-may-only-correct-20-next-year/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/06/inflation.jpg</image:loc><image:title>inflation</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/06/see-the-pattern-here.jpg</image:loc><image:title>See the pattern here</image:title></image:image><lastmod>2015-06-11T14:47:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/06/11/good-news-oex-has-turned-and-tlt-down/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/06/3.png</image:loc><image:title>3</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/06/2.png</image:loc><image:title>2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/06/1.png</image:loc><image:title>1</image:title></image:image><lastmod>2015-06-11T10:54:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/06/09/china-numbers-bad-6-months-to-fed-hike/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/06/tlt-roc.png</image:loc><image:title>TLT ROC</image:title></image:image><lastmod>2015-06-09T13:56:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/06/08/3-scenarios-wait-for-day-after-fm/</loc><lastmod>2015-06-08T16:31:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/06/07/end-of-month-monday/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/06/gas-buddy-jun-7-15.gif</image:loc><image:title>Gas BUddy Jun 7 15</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/06/decision-table.jpg</image:loc><image:title>Decision Table</image:title></image:image><lastmod>2015-06-08T13:47:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/06/06/oex-and-vix-makes-clearer-picture/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/06/oexvixapr2015.jpg</image:loc><image:title>OEXVIXAPR2015</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/06/oexvix.jpg</image:loc><image:title>OEXVIX</image:title></image:image><lastmod>2015-06-06T20:10:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/06/06/tlt-needs-to-x-122-x/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/06/roc20-overdue.jpg</image:loc><image:title>ROC20 overdue</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/06/2.jpg</image:loc><image:title>2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/06/1.jpg</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/06/taper-announcement-dec-2013.png</image:loc><image:title>Taper announcement Dec 2013</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/06/tlt-200dma.jpg</image:loc><image:title>TLT 200dma</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/06/concern-here.png</image:loc><image:title>Concern here</image:title></image:image><lastmod>2015-06-06T19:33:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/06/05/fxc-canadian-dollar-rsi50-good-for-tlt-play/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/06/canadian-below-50-rsi.jpg</image:loc><image:title>Canadian $ below 50 RSI</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/06/fxc-last-9-moonths.jpg</image:loc><image:title>FXC last 9 moonths</image:title></image:image><lastmod>2015-06-05T10:23:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/06/04/tlt-to-spy-ratio-shows-near-bottom/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/06/tltspy-ratio.jpg</image:loc><image:title>TLTSPY ratio</image:title></image:image><lastmod>2015-06-04T11:28:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/06/01/gas-buddy-up-again/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/06/gas-buddy-up-jun-1.gif</image:loc><image:title>Gas Buddy up Jun 1</image:title></image:image><lastmod>2015-06-01T13:13:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/05/27/usd-back-to-bull-again/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/05/usd-bull-again.png</image:loc><image:title>USD bull again</image:title></image:image><lastmod>2015-05-27T08:04:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/05/26/vix-up-today-but-jun-1822-necessary/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/05/roc-rebounds-less.jpg</image:loc><image:title>ROC rebounds less</image:title></image:image><lastmod>2015-05-26T19:06:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/05/26/gas-buddy-seems-to-have-rolled-over/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/05/gb.gif</image:loc><image:title>GB</image:title></image:image><lastmod>2015-05-26T09:04:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/05/25/ccpi-monthly-highest-in-3-years/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/05/monthly-core-inflation-rise.jpg</image:loc><image:title>Monthly Core Inflation rise</image:title></image:image><lastmod>2015-05-25T12:17:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/05/25/roc-and-gas-buddy-2/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/05/slower-rise.gif</image:loc><image:title>Slower rise</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/05/roc-may-2015.jpg</image:loc><image:title>roc may 2015</image:title></image:image><lastmod>2015-05-25T07:44:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/05/24/why-asset-prices-keep-going-higher-and-higher/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/05/mv-1997.jpg</image:loc><image:title>mv 1997</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/05/money-velocity-keeps-dropping.jpg</image:loc><image:title>Money Velocity keeps dropping</image:title></image:image><lastmod>2015-05-24T08:00:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/05/23/usd-rises-and-near-50dma-ccpi-up-to-1-82/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/05/ccpiapr2015.jpg</image:loc><image:title>ccpiapr2015</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/05/usdx50dma.png</image:loc><image:title>USDx50dma</image:title></image:image><lastmod>2015-05-23T14:40:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/05/21/first-day-tlt-above-12dma/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/05/vix-low-may-21.png</image:loc><image:title>VIX low May 21</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/05/gas-buddy-may-21.gif</image:loc><image:title>Gas BUddy May 21</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/05/tlt-12-dma-may.png</image:loc><image:title>TLT 12 dma May</image:title></image:image><lastmod>2015-05-21T17:28:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/05/20/tltspy-ratio-at-bottom-end-of-range/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/05/leveled.png</image:loc><image:title>leveled</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/05/tlt-at-bottom-end-of-range.png</image:loc><image:title>TLT at bottom end of range</image:title></image:image><lastmod>2015-05-20T11:47:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/05/16/may-21-will-tell/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/05/spy-ha.png</image:loc><image:title>SPY HA</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/05/vix-ha1.png</image:loc><image:title>VIX HA</image:title></image:image><lastmod>2015-05-16T07:48:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/05/15/may-20-or-21-is-possible-entry-for-tlt/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/05/spy-red.png</image:loc><image:title>SPY red</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/05/vix-ha.png</image:loc><image:title>VIX HA</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/05/vix-12dma-may-2015.png</image:loc><image:title>VIX 12dma May 2015</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/05/spy-mayjul-2013-ohlc.png</image:loc><image:title>SPY mayjul 2013 OHLC</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/05/vix-12dma-mayjul-2013.png</image:loc><image:title>VIX 12dma mayjul 2013</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/05/spy-mayjul-2013.png</image:loc><image:title>SPY mayjul 2013</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/05/vix-mayjul2013.png</image:loc><image:title>VIX mayjul2013</image:title></image:image><lastmod>2015-05-15T21:36:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/05/15/bi-weekly-gas-shows-surge-as-well/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/05/biweekly-gas-buddy.jpg</image:loc><image:title>Biweekly gas buddy</image:title></image:image><lastmod>2015-05-15T11:20:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/05/13/gas-buddy-uptick-again/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/05/gb-surge1.jpg</image:loc><image:title>GB surge</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/05/gb-surge.jpg</image:loc><image:title>GB surge</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/05/gas-buddy-uptick-again.gif</image:loc><image:title>Gas Buddy Uptick Again</image:title></image:image><lastmod>2015-05-13T11:24:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/05/11/wait-for-gas-buddy/</loc><lastmod>2015-05-11T17:30:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/05/08/bottom-of-tlt-is-in/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/05/11.png</image:loc><image:title>1</image:title></image:image><lastmod>2015-05-08T12:32:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/05/06/inflation-will-rise/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/05/mar-ccpi.jpg</image:loc><image:title>Mar ccpi</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/05/qe-ccpi-lt-1-0.jpg</image:loc><image:title>QE ccpi LT 1.0</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/05/inflation-will-rise.png</image:loc><image:title>Inflation will rise</image:title></image:image><lastmod>2015-05-06T16:10:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/05/05/3-vix-events-per-year-always-another-bus/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/05/3-events-per-year.jpg</image:loc><image:title>3 events per year</image:title></image:image><lastmod>2015-05-05T17:17:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/05/05/ccpi-rises-but-nears-top/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/05/1.jpg</image:loc><image:title>1</image:title></image:image><lastmod>2015-05-05T13:47:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/05/03/wait-for-gas-buddy-to-peak-and-roll-over/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/05/2.gif</image:loc><image:title>2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/05/1.gif</image:loc><image:title>1</image:title></image:image><lastmod>2015-05-04T14:36:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/05/04/vix-down-fed-meeting-after-gb-peaks/</loc><lastmod>2015-05-04T14:33:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/05/04/investing-rules-list/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/05/rules.jpg</image:loc><image:title>Rules</image:title></image:image><lastmod>2015-05-04T13:28:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/05/03/wait-for-fed-meeting/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/05/3.png</image:loc><image:title>3</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/05/2.png</image:loc><image:title>2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/05/1.png</image:loc><image:title>1</image:title></image:image><lastmod>2015-05-03T21:06:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/04/29/vix-12dma-and-tlt/</loc><lastmod>2015-04-29T08:50:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/04/04/vix-ha-15-for-tlt/</loc><lastmod>2015-04-04T07:50:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/04/01/buy-tlt-4/</loc><lastmod>2015-04-01T15:04:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/03/16/tlt-buy-most-likely-mar-2327-and-symmetry/</loc><lastmod>2015-03-16T13:11:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/03/12/waiting-for-monday-tlt-gha/</loc><lastmod>2015-03-12T19:09:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/03/02/second-monday-at-open-if-spy-rha/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/03/3.png</image:loc><image:title>3</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/03/2.png</image:loc><image:title>2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/03/1.png</image:loc><image:title>1</image:title></image:image><lastmod>2015-03-02T10:29:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/02/28/watch-for-vix-12dmax-mar-3-close/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/02/vix-ha.png</image:loc><image:title>VIX HA</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/02/vix-12dma.png</image:loc><image:title>VIX 12dma</image:title></image:image><lastmod>2015-02-28T16:34:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/02/25/tlt-level-and-turn/</loc><lastmod>2015-02-25T10:49:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/02/22/rsi-32-for-tlt/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/02/tlt-rsi.png</image:loc><image:title>TLT RSI</image:title></image:image><lastmod>2015-02-22T16:14:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/02/21/interest-rate-rise-i-love-it/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/02/tlt-12-dma-trade-signal.png</image:loc><image:title>TLT 12 dma trade signal</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/02/tlt-still-bull.png</image:loc><image:title>TLT still bull</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/02/gross-inflation.jpg</image:loc><image:title>Gross Inflation</image:title></image:image><lastmod>2015-02-21T14:31:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/02/15/tlt-again-spy-has-rallied/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/02/entry-125-50-at-open.jpg</image:loc><image:title>Entry 125.50 at open</image:title></image:image><lastmod>2015-02-15T16:30:28+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/02/01/buy-mid-month-and-play-6-8day-spy-rebound/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/02/play-rebounds.jpg</image:loc><image:title>Play rebounds</image:title></image:image><lastmod>2015-02-01T12:49:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/01/31/roc-4-needed-for-consistent-ha/</loc><lastmod>2015-01-31T12:12:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/01/30/next-play-spy-rebound-after-os/</loc><lastmod>2015-01-30T16:03:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/01/19/buy-tlt-when-rsi-60-again-rsi-spring/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/01/spy-short-rally.jpg</image:loc><image:title>SPY short rally</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/01/tlt-rsi.png</image:loc><image:title>TLT RSI</image:title></image:image><lastmod>2015-01-19T09:13:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/01/13/sell-tlt-2/</loc><lastmod>2015-01-13T14:46:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/01/12/buy-tlt-3/</loc><lastmod>2015-01-12T16:14:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/01/09/most-likely-tlt-entry-jan-28-but-maybe-jan-19/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/01/tlt-spy-ratio-shows-no-blowoff-yet.png</image:loc><image:title>TLT SPY ratio shows no blowoff yet</image:title></image:image><lastmod>2015-01-09T11:06:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2015/01/08/sell-tlt/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2015/01/tlt-bull-market-since-jan.png</image:loc><image:title>TLT bull market since Jan</image:title></image:image><lastmod>2015-01-08T16:13:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2014/12/31/buy-tlt-2/</loc><lastmod>2014-12-31T18:00:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2014/11/13/vix-ha-onafter-jan-1/</loc><lastmod>2014-11-13T16:18:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2014/11/08/feb-2015/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/11/gas-buddy-falls.gif</image:loc><image:title>Gas Buddy Falls</image:title></image:image><lastmod>2014-11-09T14:43:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2014/11/01/dec-feb-2015/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/11/tlt-sepoct2014.png</image:loc><image:title>TLT SepOct2014</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/11/vix-sepoct2014.png</image:loc><image:title>VIX SepOct2014</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/11/tlt-janfeb2014.png</image:loc><image:title>TLT JanFeb2014</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/11/vix-janfeb2014.png</image:loc><image:title>VIX JanFeb2014</image:title></image:image><lastmod>2014-11-01T11:26:19+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2014/10/30/sell-spy-now/</loc><lastmod>2014-10-30T13:43:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2014/10/25/sell-oct-31/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/10/even-oct-22-had-a-fat-green-bar.jpg</image:loc><image:title>Even Oct 22 had a fat green bar</image:title></image:image><lastmod>2014-10-25T07:34:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2014/10/18/go-on-monday-when-vix-20/</loc><lastmod>2014-10-18T16:03:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2014/10/16/earliest-would-be-friday/</loc><lastmod>2014-10-16T07:16:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2014/10/15/vix-rising-again-vix-12dma-18-9/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/10/october-2013-oex-dots.png</image:loc><image:title>October 2013 OEX dots</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/10/feb-oex-dot-must-cross.png</image:loc><image:title>Feb OEX dot must cross</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/10/oex-needs-turn.png</image:loc><image:title>OEX needs turn</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/10/dot-should-be-above-on-oex.png</image:loc><image:title>Dot should be above on OEX</image:title></image:image><lastmod>2014-10-15T14:05:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2014/10/15/gas-buddy-at-bottom-ready-for-rebound-thurs-open-starts-gha-and-buy-spy/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/10/gas-buddy-at-bottom-ready-for-rebound.gif</image:loc><image:title>Gas Buddy at bottom ready for rebound</image:title></image:image><lastmod>2014-10-15T11:53:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2014/10/14/vix-run-rebound/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/10/vix-and-2wk-runs.jpg</image:loc><image:title>VIX and 2wk Runs</image:title></image:image><lastmod>2014-10-14T14:51:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2014/10/14/vix-needs-to-fall-below-17-3-most-likely-gha-on-wed-or-thursday-at-open/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/10/gha-nov-2012.png</image:loc><image:title>GHA Nov 2012</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/10/196-by-oct-31.png</image:loc><image:title>196 by Oct 31</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/10/189-is-200dma.png</image:loc><image:title>189 is 200dma</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/10/early-jun-2012-vix-higher1.png</image:loc><image:title>Early Jun 2012 VIX higher</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/10/june-2012-ha-bars.png</image:loc><image:title>June 2012 HA bars</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/10/early-jun-2012-vix-higher.png</image:loc><image:title>Early Jun 2012 VIX higher</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/10/early-june-higher.png</image:loc><image:title>Early June higher</image:title></image:image><lastmod>2014-10-14T12:06:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2014/10/11/oex-and-vix-at-21-show-rebound-strong-buy-monday-or-tuesday-if-up/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/10/vix-21-due-for-rebound.png</image:loc><image:title>VIX 21 due for rebound</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/10/due-for-rebound.png</image:loc><image:title>Due for rebound</image:title></image:image><lastmod>2014-10-11T11:52:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2014/10/03/buy-when-vix-falls-below-12dma-14-5/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/10/vix-below-12dma-go.png</image:loc><image:title>Vix below 12dma go</image:title></image:image><lastmod>2014-10-03T12:34:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2014/10/02/rha-and-vix-just-below-line/</loc><lastmod>2014-10-02T13:58:05+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2014/09/28/roc-now-and-vix-rising-wait-for-gha-on-oct-1-pmi/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/09/inflation-falling-sep-2014.jpg</image:loc><image:title>Inflation falling Sep 2014</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/09/vix-rising-sep-2014.png</image:loc><image:title>VIX rising Sep 2014</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/09/roc-now-sep-2014.jpg</image:loc><image:title>roc now - sep 2014</image:title></image:image><lastmod>2014-09-28T15:49:14+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2014/09/20/roc-at-1-x-into-in-october/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/09/roc20-soon-to-x-into-negative1.jpg</image:loc><image:title>roc20 soon to X into negative</image:title></image:image><lastmod>2014-09-20T16:38:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2014/09/20/roc-at-1-soon-to-x-into-negative/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/09/roc20-soon-to-x-into-negative.jpg</image:loc><image:title>roc20 soon to X into negative</image:title></image:image><lastmod>2014-09-20T16:34:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2014/09/10/cpi-wed-sep-17-downtrend-continues/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/09/consumer-spending-stalls.jpg</image:loc><image:title>Consumer Spending Stalls</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/09/gas-buddy-also-no-life.jpg</image:loc><image:title>Gas Buddy Also No Life</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/09/gas-inflation-negative.jpg</image:loc><image:title>Gas inflation negative</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/09/inflation-down-path.jpg</image:loc><image:title>Inflation Down Path</image:title></image:image><lastmod>2014-09-10T21:54:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2014/08/13/roc-4-needed/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/08/roc-4-needed.jpg</image:loc><image:title>roc -4 needed</image:title></image:image><lastmod>2014-08-13T16:16:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2014/08/11/best-momentum-after-holidays-finish/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/08/inflation-surge-over.jpg</image:loc><image:title>Inflation Surge over</image:title></image:image><lastmod>2014-08-11T14:44:25+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2014/06/23/rebound-opportunity-july-aug/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/06/ob-and-vix.jpg</image:loc><image:title>OB and VIX</image:title></image:image><lastmod>2014-06-23T10:08:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2014/06/20/mar-2013-ccpi-2-0-and-july-2014-ccpi-2-0-possibly/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/06/tlt-bars-march.png</image:loc><image:title>TLT bars March</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/06/tlt_spy-2011.png</image:loc><image:title>TLT_SPY 2011</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/06/tlt-ha-2013.png</image:loc><image:title>TLT HA 2013</image:title></image:image><lastmod>2014-06-21T14:39:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2014/06/20/tlt-play-nov-dec/</loc><lastmod>2014-06-20T17:14:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2014/06/18/gcpi-2-1-and-ccpi-1-95-inflation-near/</loc><lastmod>2014-06-18T12:16:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2014/06/15/vix-now-rising/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/06/m2-velocity-5-year-change.jpg</image:loc><image:title>M2 Velocity 5 year change</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/06/vix-rising-now.png</image:loc><image:title>VIX rising now</image:title></image:image><lastmod>2014-06-15T15:48:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2014/06/13/money-velocity-50-year-low/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/06/lowest-bounce-ever.jpg</image:loc><image:title>Lowest Bounce Ever</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/06/m2-money-velocity.jpg</image:loc><image:title>M2 Money Velocity</image:title></image:image><lastmod>2014-06-15T07:51:21+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2014/06/09/vix-too-low-for-rebound/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/06/feb-2014-hourly-ha-at-open-as-well-gha.jpg</image:loc><image:title>Feb 2014 hourly HA at open as well GHA</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/06/oct-2013-bars.png</image:loc><image:title>Oct 2013 Bars</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/06/oct-2013-ha1.png</image:loc><image:title>Oct 2013 HA</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/06/oct-2013-ha.png</image:loc><image:title>Oct 2013 HA</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/06/267-profit-3-3-bagger-as-predicted.jpg</image:loc><image:title>267% Profit 3.3 Bagger As Predicted!</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/06/buy-on-first-day-0-90.png</image:loc><image:title>Buy on first day $0.90</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/06/feb-2014-bars.png</image:loc><image:title>Feb 2014 Bars</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/06/feb-2014-ha.png</image:loc><image:title>Feb 2014 HA</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/06/gas-buddy-falling-quickly.gif</image:loc><image:title>Gas Buddy Falling Quickly</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/06/mar-2013.png</image:loc><image:title>Mar 2013</image:title></image:image><lastmod>2014-06-09T08:36:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2014/06/07/gas-buddy-peak-may-30-opportunity-early-august/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/06/gha-march-2014.png</image:loc><image:title>GHA March 2014</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/06/mar-2014-bars.png</image:loc><image:title>Mar 2014 Bars</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/06/gas-buddy-peak-may30.gif</image:loc><image:title>Gas Buddy Peak May30</image:title></image:image><lastmod>2014-06-07T22:31:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2014/06/07/ccpi-will-fail-2-0-test-and-will-fall-away-again/</loc><lastmod>2014-06-07T13:37:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2014/06/06/84-of-young-people-are-delaying-major-life-decisions-due-to-the-poor-economy/</loc><lastmod>2014-06-07T08:20:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2014/06/06/lowest-vix-since-march-2013/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/06/rail-traffic.png</image:loc><image:title>Rail Traffic</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/06/ccpi-chart.jpg</image:loc><image:title>CCPI chart</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/06/lowest-vix-since-march-2013.png</image:loc><image:title>Lowest VIX since March 2013</image:title></image:image><lastmod>2014-06-06T22:44:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2014/06/06/vix-still-falling/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/06/vix-still-falls.png</image:loc><image:title>VIX still falls</image:title></image:image><lastmod>2014-06-06T07:38:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2014/05/24/inflation-falling-and-vix-bottoming/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/05/2-vix-17-and-20.jpg</image:loc><image:title>2 VIX 17 and 20</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/05/vix-swing.png</image:loc><image:title>VIX Swing</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/05/inflation-falling-may.jpg</image:loc><image:title>Inflation Falling May</image:title></image:image><lastmod>2014-05-24T22:01:55+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2014/05/17/gas-buddy-resumes-downfall/</loc><lastmod>2014-05-18T01:36:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2014/05/01/gas-buddy-now-falling/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/05/gas-buddy-falling.gif</image:loc><image:title>Gas Buddy Falling</image:title></image:image><lastmod>2014-05-02T03:46:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2014/05/01/vix-between-13-and-17/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/05/rebound-closeups.jpg</image:loc><image:title>Rebound Closeups</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/05/rebounds1.jpg</image:loc><image:title>Rebounds</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/05/rebounds.jpg</image:loc><image:title>Rebounds</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/05/vix-below-13-and-above-17.png</image:loc><image:title>Vix below 13 and above 17</image:title></image:image><lastmod>2014-05-02T03:37:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2014/04/23/looks-like-jun-18-rebound-more-likely/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/04/long-term-real-gdp-growth.jpg</image:loc><image:title>Long-Term Real GDP Growth</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/04/the-slowdown.png</image:loc><image:title>The slowdown</image:title></image:image><lastmod>2014-04-23T16:52:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2014/04/13/vix-is-now-rising-spy-rebound-may-2/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/04/vix-now-rising.png</image:loc><image:title>Vix now rising</image:title></image:image><lastmod>2014-04-13T17:25:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2014/04/12/low-inflation-chart/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/04/yoy-mo-gas-change1.jpg</image:loc><image:title>YoY Mo Gas Change</image:title></image:image><lastmod>2014-04-12T15:10:18+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2014/04/11/negative-liberty-and-positive-liberty/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/04/yoy-mo-gas-change.jpg</image:loc><image:title>YoY Mo Gas Change</image:title></image:image><lastmod>2014-04-11T08:05:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2014/04/08/when-gb-rising-cash-is-best/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/04/gas-buddy-and-tlt_spy.jpg</image:loc><image:title>Gas Buddy and TLT_SPY</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/04/2010-and-2011-tlt-gas-buddy.jpg</image:loc><image:title>2010 and 2011 TLT gas buddy</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/04/hold-cash-when-gb-rising.jpg</image:loc><image:title>Hold cash when gb rising</image:title></image:image><lastmod>2014-04-08T20:23:59+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2014/04/07/wages-fall-as-gdp/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/04/corporate-profits.jpg</image:loc><image:title>Corporate Profits</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/04/wages-as-gdp.jpg</image:loc><image:title>Wages as % GDP</image:title></image:image><lastmod>2014-04-07T10:16:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2014/04/04/gas-buddy-rises/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/04/tlt-bull-market.png</image:loc><image:title>TLT bull market</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/04/ccpi-2-0-necessary.jpg</image:loc><image:title>CCPI 2.0 necessary</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/04/qe2-vix-transition.jpg</image:loc><image:title>QE2 VIX transition</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/04/qe1-vix-transition.jpg</image:loc><image:title>QE1 VIX transition</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/04/tlt_spy-2mo-before-to-1mo-after.jpg</image:loc><image:title>TLT_SPY 2mo before to 1mo after</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/04/gas-buddy-rises.jpg</image:loc><image:title>Gas Buddy Rises</image:title></image:image><lastmod>2014-04-04T15:46:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2014/03/31/gas-buddy-rising-for-50-days/</loc><lastmod>2014-03-31T13:08:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2014/03/27/roc-now/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/03/roc.jpg</image:loc><image:title>roc-</image:title></image:image><lastmod>2014-03-27T13:56:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2014/03/24/oex-4dma-also-shows-a-turn/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/03/oex-dips.png</image:loc><image:title>OEX dips</image:title></image:image><lastmod>2014-03-24T07:17:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2014/03/08/next-decision-day-most-likely-apr-30/</loc><lastmod>2014-03-09T05:08:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2014/02/27/definition-of-ha-candles/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/02/gas-inflation.png</image:loc><image:title>gas inflation</image:title></image:image><lastmod>2014-02-27T17:31:22+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2014/02/14/mar-7-and-next-vix-xover/</loc><lastmod>2014-02-14T22:33:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2014/02/10/most-of-spy-run-over-this-friday/</loc><lastmod>2014-02-10T22:26:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2014/02/06/looks-like-tomorrow-at-open-is-a-buy/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/02/11.png</image:loc><image:title>1</image:title></image:image><lastmod>2014-02-07T04:16:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2014/02/05/looks-like-it-will-hit-the-200dma/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/02/nov2012-ha.png</image:loc><image:title>Nov2012 HA</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/02/may2012-ha.png</image:loc><image:title>May2012 HA</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/02/1.png</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/02/2.png</image:loc><image:title>2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/02/200dma-bounces.jpg</image:loc><image:title>200dma bounces</image:title></image:image><lastmod>2014-02-05T09:29:31+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2014/02/04/vix-12dma-falling-feb-19-21-buy-opportunity/</loc><lastmod>2014-02-04T23:00:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2014/01/31/sell-1st-red-ha-1-day-candle/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/01/october-daily-bars-sell-1st-red.jpg</image:loc><image:title>October Daily Bars Sell 1st red</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/01/1st-red-sep-bar.jpg</image:loc><image:title>1st red sep bar</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/01/june-1h-bars-holiday-jul-3.jpg</image:loc><image:title>June 1h bars Holiday Jul 3</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/01/december-daily-bars-sell-1st-red.jpg</image:loc><image:title>December Daily Bars Sell 1st Red</image:title></image:image><lastmod>2014-01-31T12:46:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2014/01/25/also-buy-montues-1st-green-ha/</loc><lastmod>2014-01-25T10:02:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2014/01/24/just-bought-spy-at-181-40-and-some-options/</loc><lastmod>2014-01-24T14:58:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2014/01/24/oexd-fallen-to-82-go-if-roc-today-and-tentative-plan/</loc><lastmod>2014-01-24T09:17:00+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2014/01/23/spy-rebound-will-occur-if-roc-tomorrow/</loc><lastmod>2014-01-23T22:16:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2014/01/22/no-taper-jan-29-stay-cash-spy-rebound-is-unlikely-play-apr-may-rebound/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/01/1.png</image:loc><image:title>1</image:title></image:image><lastmod>2014-01-22T11:13:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2014/01/20/roc-and-gas-buddy/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/01/roc2.jpg</image:loc><image:title>ROC-</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/01/roc1.jpg</image:loc><image:title>ROC-</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/01/roc.jpg</image:loc><image:title>ROC-</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/01/roc-table.jpg</image:loc><image:title>ROC- table</image:title></image:image><lastmod>2014-01-20T14:54:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2014/01/17/roc-and-gasbuddy/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/01/roc-and-gas-buddy1.jpg</image:loc><image:title>ROC- and Gas Buddy</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/01/roc-and-gas-buddy.jpg</image:loc><image:title>ROC- and Gas Buddy</image:title></image:image><lastmod>2014-01-17T13:02:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2014/01/15/feb-19-roc/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2014/01/the-slowdown.png</image:loc><image:title>The slowdown</image:title></image:image><lastmod>2014-01-15T11:32:46+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/12/19/tlt-mar-apr-spy-apr-may/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2013/12/16.png</image:loc><image:title>1</image:title></image:image><lastmod>2013-12-19T09:02:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/12/18/jan-8-due-to-debt-debate-dec-26-start/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2013/12/ha-candle.jpg</image:loc><image:title>ha candle</image:title></image:image><lastmod>2013-12-18T23:41:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/12/17/cpi-rises-to-1-2-still-roc/</loc><lastmod>2013-12-18T00:33:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/12/16/the-slave-predicts-the-king-reacts/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2013/12/heiken-ashi-2h-tiiming.jpg</image:loc><image:title>Heiken Ashi 2h Tiiming</image:title></image:image><lastmod>2013-12-16T09:28:33+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/12/15/previous-roc/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2013/12/wait-for-fed-mtg-dec-18.jpg</image:loc><image:title>Wait for Fed Mtg Dec 18</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2013/12/dec.png</image:loc><image:title>Dec</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2013/12/oct.png</image:loc><image:title>Oct</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2013/12/sep.png</image:loc><image:title>Sep</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2013/12/jun.png</image:loc><image:title>Jun</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2013/12/apr.png</image:loc><image:title>Apr</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2013/12/feb.png</image:loc><image:title>Feb</image:title></image:image><lastmod>2013-12-15T17:32:29+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/12/14/roc20-now/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2013/12/21.png</image:loc><image:title>2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2013/12/15.png</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2013/12/rebound-range.png</image:loc><image:title>Rebound Range</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2013/12/1.jpg</image:loc><image:title>1</image:title></image:image><lastmod>2013-12-14T12:15:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/12/13/roc-4-buy-the-dips/</loc><lastmod>2013-12-13T07:57:06+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/12/12/oex-x-10wkma-so-bottom-in-3-weeks/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2013/12/3.png</image:loc><image:title>3</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2013/12/2.png</image:loc><image:title>2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2013/12/14.png</image:loc><image:title>1</image:title></image:image><lastmod>2013-12-12T09:09:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/12/08/oex-turn-10-wkma-and-bbd/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2013/12/13.png</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2013/12/12.png</image:loc><image:title>1</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2013/12/11.png</image:loc><image:title>1</image:title></image:image><lastmod>2013-12-08T20:39:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/12/04/oex-and-roc-coming-down-expected-buy-date-dec-19jan-8/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2013/12/2.jpg</image:loc><image:title>2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2013/12/1.png</image:loc><image:title>1</image:title></image:image><lastmod>2013-12-04T08:00:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/11/21/look-for-oex-turn-at-78-82-level/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2013/11/31.jpg</image:loc><image:title>3</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2013/11/3.jpg</image:loc><image:title>3</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2013/11/21.png</image:loc><image:title>2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2013/11/1.png</image:loc><image:title>1</image:title></image:image><lastmod>2013-11-21T14:02:51+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/11/20/roc-coming-down/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2013/11/decision-table-dec.jpg</image:loc><image:title>Decision Table Dec</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2013/11/dec-18-20-check-this.jpg</image:loc><image:title>Dec 18-20 check this</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2013/11/2.png</image:loc><image:title>2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2013/11/1.jpg</image:loc><image:title>1</image:title></image:image><lastmod>2013-11-20T18:14:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/11/17/if-roc20-falls-4-5-dec-23-jan-8-rally/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2013/11/roc20-rallies-png.jpg</image:loc><image:title>ROC20- rallies.png</image:title></image:image><lastmod>2013-11-18T08:17:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/11/17/as-inflation-falls-qe-rises-rapidly/</loc><lastmod>2013-11-17T09:53:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/11/16/asset-bubbles-in-battle-with-deflation/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2013/11/debt-driven-growth.jpg</image:loc><image:title>Debt Driven Growth</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2013/11/fed-losing-battle-with-deflation.jpg</image:loc><image:title>Fed Losing Battle with deflation</image:title></image:image><lastmod>2013-11-16T17:02:35+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/11/11/nov-21-25-most-likely-buy/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2013/11/taper-talk.jpg</image:loc><image:title>Taper Talk</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2013/11/roc20-rallies.png</image:loc><image:title>ROC20- rallies</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2013/11/feb-bbd.png</image:loc><image:title>Feb BBd</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2013/11/feb-roc.png</image:loc><image:title>Feb ROC-</image:title></image:image><lastmod>2013-11-11T11:24:42+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/11/06/nov-20-potential-buy/</loc><lastmod>2013-11-06T20:16:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/11/04/nov-20-25-pullback/</loc><lastmod>2013-11-04T12:12:01+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/11/01/spy-goes-sideways-no-taper-talk-this-month/</loc><lastmod>2013-11-01T19:34:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/10/25/too-hot-and-too-cold/</loc><lastmod>2013-10-25T21:20:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/10/18/still-on-track-for-november-low/</loc><lastmod>2013-10-18T06:30:09+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/10/15/rebound-setup-in-november-looking-better/</loc><lastmod>2013-10-16T01:02:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/10/11/both-jnk-and-wtic-lead-spy/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2013/10/2.png</image:loc><image:title>2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2013/10/1.png</image:loc><image:title>1</image:title></image:image><lastmod>2013-10-12T01:47:41+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/10/06/nov-4-7-and-riskoff-trade-next-year/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2013/10/1st-week-sep.png</image:loc><image:title>1st week Sep</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2013/10/1st-week-jul.png</image:loc><image:title>1st week Jul</image:title></image:image><lastmod>2013-10-07T01:44:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/10/05/roc20-and-oex-4d/</loc><lastmod>2013-10-05T23:03:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/10/03/when-the-fed-begins-to-taper-back-its-quantitative-easing-program-he-expects-the-market-will-go-down/</loc><lastmod>2013-10-03T15:27:40+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/10/02/buy-spy-target-dates-nov-4-7/</loc><lastmod>2013-10-02T09:42:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/10/01/gas-buddy-needs-3-20-and-spy-hits-200dma/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2013/10/gb-2-years.gif</image:loc><image:title>GB 2 years</image:title></image:image><lastmod>2013-10-01T07:29:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/09/26/no-inflation-pce-defator-fell-in-q2-and-no-taper-for-a-while/</loc><lastmod>2013-09-26T16:32:37+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/09/23/bbd-daily-bollinger-band-wide-for-spy/</loc><lastmod>2013-09-23T18:37:07+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/09/21/play-spy-rebound-until-taper-ccpi-2-0/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2013/09/spy-rebound-apr-sep1.jpg</image:loc><image:title>SPY rebound Apr-Sep</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2013/09/spy-rebound-apr-sep.jpg</image:loc><image:title>SPY rebound Apr-Sep</image:title></image:image><lastmod>2013-09-22T10:58:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/09/19/either-way-wait-for-taper-no-taper-now-as-ccpi-at-1-76/</loc><lastmod>2013-09-19T21:53:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/09/12/oil-at-high-stocks-at-high-and-fed-reducing-stimulus/</loc><lastmod>2013-09-12T17:40:16+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/09/11/syria-impact-and-wait-until-after-taper-announcement/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2013/09/11.png</image:loc><image:title>1</image:title></image:image><lastmod>2013-09-12T03:50:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/09/09/oex-and-taper-still-on-track/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2013/09/2.gif</image:loc><image:title>2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2013/09/1.png</image:loc><image:title>1</image:title></image:image><lastmod>2013-09-09T05:32:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/09/06/last-hoorah-before-taper/</loc><lastmod>2013-09-06T05:33:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/09/02/oex-watch/</loc><lastmod>2013-09-03T00:02:20+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/08/28/interest-rate-increases-are-too-much-for-the-economy-to-handle/</loc><lastmod>2013-08-28T13:32:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/08/27/risk-off-begins/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2013/08/11.png</image:loc><image:title>Power Move Up</image:title><image:caption>Cross Today</image:caption></image:image><lastmod>2013-08-27T20:39:43+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/08/26/taper-may-be-sep/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2013/08/1.png</image:loc><image:title>1</image:title></image:image><lastmod>2013-08-26T19:02:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/08/15/gcpi-2-0-most-likely-oct-30-taper/</loc><lastmod>2013-08-15T13:32:45+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/08/05/tltspy-chart-should-show-leveling-first/</loc><lastmod>2013-08-05T09:59:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/08/01/stock-market-bubble-continues-larger/</loc><lastmod>2013-08-01T19:21:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/07/26/inflation-data-should-cross-2-0-this-month/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2013/07/2.png</image:loc><image:title>2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2013/07/1.png</image:loc><image:title>1</image:title></image:image><lastmod>2013-07-29T12:17:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/07/16/core-inflation-1-64-fell-from-1-68/</loc><lastmod>2013-07-17T03:44:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/07/13/gas-buddy-rising-at-2c-per-day/</loc><lastmod>2013-07-14T03:39:56+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/07/03/gas-buddy-to-fall-to-3-2x-tlt-and-spy-will-rise-together/</loc><lastmod>2013-07-03T09:55:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/07/01/half-think-taper-half-no-taper/</loc><lastmod>2013-07-01T18:00:15+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/07/01/stay-cash-but-2-greens-on-tlt/</loc><lastmod>2013-07-01T17:49:39+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/06/20/stay-cash-vix-rising/</loc><lastmod>2013-06-20T14:14:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/06/18/core-inflation-weak-at-1-7/</loc><lastmod>2013-06-18T14:43:38+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/06/12/cash-now/</loc><lastmod>2013-06-12T13:28:10+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/06/07/sell-tlt-buy-more-spy/</loc><lastmod>2013-06-07T14:35:13+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/06/06/buy-spy-today-if-up-over-yesterday/</loc><lastmod>2013-06-06T15:08:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/06/04/economy-still-weak-but-tlt-to-rally-from-here/</loc><lastmod>2013-06-04T21:45:12+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/05/12/bernanke-hints-qe-turned-off-buy-tlt-again/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2013/05/deflation-approaching.jpg</image:loc><image:title>Deflation approaching</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2013/05/bonds-bullish.png</image:loc><image:title>Bonds Bullish</image:title></image:image><lastmod>2013-05-12T14:27:47+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/05/03/tltspy-has-turned-to-risk-on-again/</loc><lastmod>2013-05-03T19:17:27+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/04/16/tltspy-shows-turn-1st-week-of-april-tlt-strong-buy/</loc><lastmod>2013-04-16T14:14:50+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/03/04/buy-tlt/</loc><lastmod>2013-03-04T16:54:36+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/01/31/gdp-and-cesig-show-turn/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2013/01/extreme-greed-indicator.png</image:loc><image:title>Extreme Greed indicator</image:title></image:image><lastmod>2013-01-31T18:42:30+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/01/24/buy-spy-as-gas-buddy-now-confirms/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2013/01/gas-buddy-takes-off-1c-per-day.gif</image:loc><image:title>Gas Buddy Takes off 1c per day</image:title></image:image><lastmod>2013-01-24T21:08:58+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/01/23/sell-yen-today-or-by-friday/</loc><lastmod>2013-01-23T08:48:34+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/01/18/transition-to-risk-onoff-best-time/</loc><lastmod>2013-01-18T10:15:57+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/01/16/bb-weekly-trends/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2013/01/11.png</image:loc><image:title>1</image:title></image:image><lastmod>2013-01-16T11:46:08+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/01/14/themes-for-2013-yen-and-euro/</loc><lastmod>2013-01-14T09:49:48+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/01/13/fed-driven-rally-fundamentals-weak/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2013/01/2.png</image:loc><image:title>2</image:title></image:image><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2013/01/1.png</image:loc><image:title>1</image:title></image:image><lastmod>2013-01-13T08:27:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/01/12/vix-has-turned-risk-is-on-sell-tlt-and-buy-spy/</loc><lastmod>2013-01-12T19:22:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2013/01/05/buy-tlt-and-qe4-failing/</loc><lastmod>2013-01-05T13:20:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2012/12/29/higher-commodity-and-fuel-costs-which-would-curb-consumption-not-boost-it-the-boj-has-argued/</loc><lastmod>2012-12-29T16:28:23+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2012/12/26/punctuated-equilibrium-and-excess-capital/</loc><lastmod>2012-12-26T18:17:17+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2012/12/26/primary-dealer-treasury-holdings-at-record/</loc><lastmod>2012-12-26T18:06:52+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2012/12/25/vix-argues-against-risk-on/</loc><lastmod>2012-12-25T14:12:04+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2012/12/21/cpi-low-at-1-8-fed-will-increase-stimulus-in-february/</loc><lastmod>2012-12-21T11:01:02+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2012/12/21/low-growth-can-be-used-to-support-either-case/</loc><lastmod>2012-12-21T10:52:26+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2012/12/12/spy-to-tlt-says-risk-on/</loc><lastmod>2012-12-12T16:47:03+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2012/12/03/austerity-slope-how-will-the-economy-grow/</loc><lastmod>2012-12-03T15:30:44+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2012/12/02/untradeable-stocks/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2012/12/vix-trend-not-confirming.png</image:loc><image:title>VIX TREND Not CONFIRMING</image:title></image:image><lastmod>2012-12-02T16:41:32+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2012/12/02/would-you-buy-this-stock/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2012/12/buy.png</image:loc><image:title>Buy</image:title></image:image><lastmod>2012-12-02T15:39:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2012/12/02/changes-in-net-worth/</loc><image:image><image:loc>https://thecreditflowinvestor.com/wp-content/uploads/2012/12/netwrth.png</image:loc><image:title>netwrth</image:title></image:image><lastmod>2012-12-02T13:19:49+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2012/12/01/deposit-rates-low-at-0-3/</loc><lastmod>2012-12-01T15:19:24+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2012/11/13/credit-flow-investor-is-back/</loc><lastmod>2012-11-13T16:30:11+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2012/11/12/test-1/</loc><lastmod>2014-06-17T02:09:54+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com/2012/11/12/past-sandy-and-election/</loc><lastmod>2012-11-12T17:35:53+00:00</lastmod><changefreq>monthly</changefreq></url><url><loc>https://thecreditflowinvestor.com</loc><changefreq>daily</changefreq><priority>1.0</priority><lastmod>2026-04-06T15:24:47+00:00</lastmod></url></urlset>
