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U.S. Economic Outlook – Hard Landing, Soft Landing, or No Landing?

Explore the economic landscape of the U.S. in 2006, examining slowing growth trends, consumer spending shifts, housing market concerns, and financial obligations. Dive into factors influencing income, debt levels, and the overall economic balance.

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U.S. Economic Outlook – Hard Landing, Soft Landing, or No Landing?

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  1. U.S. Economic Outlook – Hard Landing, Soft Landing, or No Landing? National Marine Bankers Association Key Largo, Florida November 14, 2006 Gina Martin Wachovia Economics 704.383.6805 gina.martin@wachovia.com

  2. Economic Growth Slowing

  3. Leadership Change Out with the Old In with the New

  4. Spending Boom – Now a Bust? Real Personal Consumption and Real Disposable Income

  5. Will Consumers Crack? Housing/Home Equity Energy and Health Care Costs Debt Payments Net Worth/Balance Sheets Tight Labor Market Income Growth

  6. Affordability Turning the Corner

  7. Mortgage Equity Withdrawals and Income

  8. Housing Wealth Effect in the U.K.

  9. Debt Levels and Ability to Pay Mortgage Delinquencies Financial Obligations Ratios

  10. www.politicalcartoons.com

  11. Net Worth and Household Assets Billions of Dollars

  12. Wage Pressures Building

  13. Retail Sales and Wages 3 Month Moving Averages

  14. Wages Not the Only Story

  15. Past Moderations Percent Change in Spending Growth (1987, 1995)

  16. Boat Sales Off of 2005 High

  17. Cash is Still King Sum of Checkable Deposits and Currency, Time and Savings Deposits, and Money Market Funds held by the Household sector

  18. Demographics U.S. Population Distribution 2005 Marine Loan Customers

  19. Where is “Neutral”?

  20. “Unwelcome Developments” www.politicalcartoons.com

  21. Inflation and Long Term Interest Rates

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