Business Marketing Magazine Summer 2017 December 2015 The best of 2015 | Page 23

Finance News
2015 Finance Report
EF Moody

Editor’s Note: Nothing exists in a vacuum. It
is important to be aware of some of the forces that may impact your future. Therefore,
we have asked Errold Moody to offer a commentary on the major factors affecting the
economies of the world. What follows is his
professional opinion and not necessary those
of this publication.

hope. Japan is technically back in recession,
China is slowing down ( a bumpy landing,
not a collision) and taking a lot of emerging
economies with it since they do not have an
outlet for the ore and other commodities
they export.

What should we expect going into a new
year? Well you can read anything you want,
but given the terrorism, I don’t think anyone
flat 2015 and (probably) a very messy
has a solid clue. While the overall analysis
start to 2016.
for the U.S. is still strong, a much needed
Looking to (just) the investment activity
rise in rates can simply be overwhelmed by
of 2015, you could say that not much happened. The S&P 500 is off about one percent the psychology and anxiety of ‘are we next’?
As far as risk is concerned regarding your
for the year as of mid-November.
There were a couple of scares in August and investments- if you have money in the marSeptember, but nothing permanent. But two ket, leave it there for the present. If you
were thinking about investing now, don’t.
key elements coming up is the (probable)
Let’s see how this mess works its way
rise in interest rates by the FED.
through the next month.
The second is whether the holiday spending
will be good. What might be the impact? On Master Financial Education
EF Moody PhD MSFP MBA LLB BSCE
one side is the better unemployment rate;
Over four decades of hands-on experience
low inflation, high consumer confidenceas a financial consultant to title companies,
while at the same time there is consumer
corporations, CPA’s, attorneys, partnerpessimism, the middle income family is financially going no place, inflation is too low, ships, credit unions,
we have t H\