If you’ve ever done any financial planning at all, you’ve likely heard the advice that you should “pay yourself first.” In a nutshell, this pithy slogan simply means that you should fund your savings and investment accounts before you use that money for anything else, even paying your bills. But this strategy becomes even more essential during times of economic strain. As of Sept. 14, 2025, many Americans are feeling the financial pinch from stubbornly high interest rates and inflationary pressures that s ...

美联储利率政策分歧 - 美联储新任理事Stephen Miran主张下个月应降息50个基点 认为经济衰退是直接威胁而非通胀[2] - 美联储主席Jerome Powell对小幅降息持谨慎态度 认为经济状况存在过多不确定性[2] - 批评者认为当前借贷成本过高 美国利率高于日本和欧盟 与英国相近 但经济基本面优于这些经济体[3] 高利率对行业的影响 - 人为高企的借贷成本限制了向小型企业的贷款 影响了扩张资本和日常营运资本的可用性[4] - 西班牙裔在美国创业数量远超其他族裔 但难以获得充足银行融资制约了其发展[4] - 通胀威胁依然存在 若未采取纠正措施 通胀问题将恶化[4] 通胀性质与货币政策 - 当前讨论的通胀非关税、监管或疫情封锁导致的生产中断所致 这些是美联储无法控制的[5] - 美联储可控制的是货币通胀 即美元贬值 通常因发行过多美元引起[5] - 黄金是货币问题的传统最佳指标 其价格在过去两年内已翻倍 预示未来通胀麻烦[5] 政策工具与市场前景 - 应对通胀威胁的正确方式不是试图压制经济 繁荣本身不会引起通胀[6] - 政府应明确不希望美元疲软 乔治·布什经济团队在21世纪初的类似想法导致了2007-09年的灾难[7] - 利率作为影响经济和对抗通胀的工具效果存疑 70年代和80年代初利率飙升伴随通胀上升 而1982年夏后利率大幅下降伴随通胀暴跌[8] - 2008年前首选政策工具是银行准备金水平的变化 优于当前做法[9] - 维持股票和债券强势的关键在于降息、追求美元稳定以及持续减税和放松监管 否则牛市将面临终结[9]

市场整体表现与分化 - 标普500指数自9月1日以来下跌6.5% [4] - 半导体板块表现强劲，自9月1日以来跑赢标普500指数22% [4] - 市场广度表现疲弱，与少数大型科技股（MAG7）的强势形成对比 [3][4] 风险偏好与避险资产动向 - 波动率指数（VIX）在相对温和的市场日中交易于接近19的水平 [1] - 比特币表现不佳， meme股和量子股等高风险资产出现疲软 [1][10] - 美元指数攀升至100以上，美元走强通常被视为风险规避信号 [5] 利率预期与行业影响 - 美联储官员表态更关注通胀而非就业市场，为降息设定了更高门槛 [9][10] - 美联储主席鲍威尔排除了12月降息的可能性，市场预期利率将更高 [10] - 利率上升环境对必需消费品板块和比特币等资产构成压力 [10][11] 科技股与人工智能主题 - 亚马逊与OpenAI的合作是市场关注的头条新闻 [5] - 美光科技（Micron）股价出现大幅上涨 [4] 加密货币市场动态 - MicroStrategy公司持有64万枚比特币，约占比特币总供应量的3% [13] - 加密货币市场存在通过稳定币和国债策略进行的复杂交易结构 [13][17] - 比特币价格波动剧烈，下跌5000美元会引发去杠杆化或风险调整 [18] 经济敏感行业信号 - 航运和铁路等经济敏感行业提供了关于经济状况的数据点 [7] - 美元走强和美国利率前景可能对美国跨国公司的盈利造成压力 [12]

The crypto market saw a sharp correction on Nov. 3 after Federal Reserve official Austan Goolsbee said his threshold for cutting in December is higher than at previous meetings, dampening investor hopes for another round of monetary easing. “I’m not decided going into the December meeting,” Goolsbee said Monday in an interview with Yahoo Finance. “I am nervous about the inflation side of the ledger, where you’ve seen inflation above the target for four and a half years, and it’s trending the wrong way.” ...

The dollar index (DXY00) is trading slightly higher by +0.06%. The main supportive factor is today’s +2.5 bp rise in the 10-year T-note yield, which improved the dollar’s interest rate differentials.  The dollar also has carry-over support from Fed Chair Powell’s warning last week that another rate cut in December is not a foregone conclusion. Bearish factors for the dollar today include the weaker-than-expected US manufacturing PMI report and dovish comments from Fed Governor Miran. More News from Barch ...

that Kevin Hanks is with me live at the CBOE with our pre-bell playbook. It's good to see you, Kevin, on this Monday morning. Here we go.New month. Uh we did have a winning October. Some of your thoughts on the big picture.>> Good morning, Nicole. Yeah, another week, another 135 names in the S&P coming out with earnings, another 25 in the NASDAQ. We will get a small amount of economic data this week.Today we'll get ISM and PMI manufacturing at 9:45 and 10:00 Eastern. Uh we will we'll get ADP on Wednesday. S ...

Political decisions often move markets and President Donald Trump’s leadership has brought a new level of unpredictability. For millions of Americans, that uncertainty can spark worry about how secure their money really is. Check Out: Avoid These 4 Common Mistakes When You Get Rich Overnight For You: How Middle-Class Earners Are Quietly Becoming Millionaires — and How You Can, Too GOBankingRates spoke to Thomas Jarecki, financial planner and national director of wealth planning at KeyBank, to share how hi ...

加密货币市场表现 - 过去24小时内加密货币价格普遍下跌 主要受美国科技公司Meta和微软提高AI投资预期引发市场对过度支出的担忧 并导致股市抛售所影响 [1] - 比特币价格微跌0.3%至约110,000美元 以太坊价格下跌1.3%至约3,840美元 [2] - 加密货币交易所交易基金资金流向转为负值 现货比特币ETF本周迄今出现6亿美元资金流出 以太坊ETF出现1.843亿美元资金流出 [3] 宏观经济与政策环境 - 欧洲央行似乎正暂停其降息周期 而美联储暗示12月降息并非"既定事实" [3] - Polymarket平台显示 市场对今年美国降息三次的预期概率从86%降至64% [3] - 市场对宏观数据发布保持敏感 包括美联储评论、通胀数据和劳动力市场信号 以及政府停摆问题的任何解决方案 [5] 市场情绪与投资者行为 - Bitget首席运营官指出ETF资金流出显示"投资者谨慎迹象" 恐惧与贪婪指数进一步滑向"恐惧"区域 [4] - 此次市场转变反映了日益增长的宏观焦虑 原因包括持续通胀、高利率以及美联储政策路径的不确定性 [4] - Wintermute策略师指出 衍生品头寸显示比特币交易员在105,000至115,000美元区间倾向于采用收入策略 [5] 行业基本面与长期前景 - 尽管市场出现回调 但链上活动仍保持韧性 加密货币敞口的结构性理由依然完好 [4] - 长期积极因素包括预计在2028年发生的比特币减半事件以及不断发展的全球监管框架 [4] - Coinbase第三季度业绩超预期 实现19亿美元收入 其第二层网络Base因以太坊价格上涨和交易量增加而实现盈利 显示链上采用持续增长 [4] 市场展望 - 宏观因素可能导致市场情绪波动 但并未改变行业的长期发展轨迹 [5] - 市场在未来几周可能持续对宏观数据发布保持敏感 [5]

Find out which banks are offering the best MMA rates right now. The Federal Reserve cut the federal funds rate three times in 2024 and recently made its second rate cut in 2025. As a result, deposit interest rates — including money market account rates — have been falling. It’s more important than ever to compare MMA rates and ensure you earn as much as possible on your balance. A look at the best money market account rates today Although money market account rates are elevated by historical standards, ...

“Developers have to make a profit to reinvest in new sites,” says the adviser. “The owners are likely looking to get some money out now, thinking there might be another three years of this Government where profitability is being eaten away, and they’re better off trying to cash in now.”Not all of the shops in Battersea Power Station are high-end. But even outside of the luxury market, there are challenges. A rise in employer National Insurance and minimum wage has hit retailers hard.Meanwhile, flats above a ...