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Futures

Dow futures dip following latest economic data on inflation and jobs

2024-12-12

On Thursday, the Dow futures faced a downward trend following the release of the latest batch of U.S. economic data. This data encompassed reports on inflation and jobs. A reading on producer-price inflation came in slightly higher than anticipated, and a weekly report on the number of Americans applying for unemployment benefits showed an unexpected increase. As a result, stock futures declined, further adding to their earlier losses. Treasury yields also witnessed a slight decrease, reversing an earlier upward movement.

Where Futures Stood in Recent Trade

S&P 500 Futures

In recent trade, the S&P 500 futures were down 17 points, which is equivalent to 0.3%, and stood at 6,074. This decline indicates a certain level of uncertainty in the market. The movement of these futures reflects the overall sentiment and expectations based on the economic data. It shows that investors are closely monitoring these indicators and adjusting their positions accordingly.

Dow Futures

Dow futures were down 50 points, representing a 0.1% decrease and reaching 44,176. The Dow, being a key indicator of the market, is highly sensitive to economic data. The slight drop in Dow futures suggests that the latest economic reports have had an impact on investor confidence. It also indicates that there may be some concerns regarding the future direction of the economy.

Nasdaq-100 Futures

The Nasdaq-100 futures fell 123 points, which is 0.6%, and settled at 21,675. The Nasdaq-100 is known for its focus on technology and growth stocks. The significant decline in these futures highlights the potential challenges faced by the technology sector in the current economic environment. It may indicate that investors are reevaluating their positions in these stocks and seeking more stable investment opportunities.Overall, the latest economic data has had a notable impact on the futures markets. Investors are carefully analyzing these trends and making decisions based on their assessment of the economic outlook. The movements in Dow futures, S&P 500 futures, and Nasdaq-100 futures provide valuable insights into the market's sentiment and the potential direction of the economy.

In Franklin, Wisconsin, a significant challenge looms - the acute need for construction workers. As reported by the National Association of Home Builders, the industry is set to demand over two million additional workers within the 2024 - 2026 period. This surge is driven by the retirement of the existing workforce and the escalating demand for housing. Franklin High School has taken a proactive approach to address this issue through an innovative advanced construction class, priming students for successful careers in the building trades.

Key Features and Benefits

Partnership with Franklin High School and Tim O’Brien Homes

This program is a remarkable collaboration between Franklin High School and Tim O’Brien Homes. It was initiated six years ago, laying the foundation for a fruitful partnership. Students have the unique opportunity to work side by side with professional home builders, gaining invaluable hands-on experience.For instance, Gracie Chojnacki and Miranda Gantner, two students in the class, are actively involved in building a home in a subdivision where properties sell for over half a million dollars. Chojnacki emphasizes, "I learn more from doing it. I can actually apply all the knowledge I acquire from this class." Gantner adds, "It's truly amazing as you'll be able to return years later and say, 'I helped build that home.'"

Open to Juniors and Seniors with Academic Requirements

The class is accessible to juniors and seniors who meet specific academic criteria. Through this, they gain comprehensive experience in all facets of construction, including electrical work, plumbing, and carpentry. This exposure helps them discover their true passion within the construction field.As construction teacher Andrew Mente explains, "When we start here in the first couple of weeks of school, it's just a bare lot. But by the end of winter, a family will be moving in. The students get to witness the entire process, from the initial foundation to the final finished product."

Experienced Contractors as Mentors

Forty experienced contractors from Tim O’Brien Homes work closely with the students, providing mentorship throughout the home-building process. Pete Lange, from Tim O’Brien Homes, highlights the significance of this program. He states, "The main constraint on our ability to grow and provide new homes is skilled labor. Working with high schools that have building trades programs allows students to directly join our job sites and learn from the trades."A former teacher himself, Lange enjoys mentoring the next generation of builders. He says, "Having the chance to assist young people in entering this field while they are still in high school is truly fulfilling for me."Chojnacki hopes that this experience will lead to a job before her high school graduation. She expresses, "I'm aiming to secure an apprenticeship through this."Thanks to a referendum passed by Franklin residents in November, this construction class will continue to thrive and receive updates and improvements to the Franklin School District.This initiative not only benefits the students but also has a positive impact on local construction companies and the industry as a whole. It is a shining example of how education and practical experience can combine to address a critical societal need.

Москва, 12 декабря – АиФ-Москва. В 2025 году, согласно надеждам члена комитета по ипотеке РГР Ирины Киселева, лимиты по льготной «Семейной ипотеке» станут достаточно для всех желающих. Для этого Минфин добавил банкам 2,4 трлн руб. и увеличил общую сумму до 8,65 трлн руб.

Новый механизм работы с лимитами

Теперь лимиты будут распределяться из общего «котла», а не отдельно по банкам. Это позволяет людям обращаться к кредитору и оформлять льготный заем в любой момент. Это новый подход повысит удобство получения ипотечных услуг и обеспечит доступность для большей части граждан.

Важность льготной «Семейной ипотеке»

Согласно данным Российской гильдии риелторов, подавляющее большинство квартир в новостройках сегодня приобретается через льготные программы. Среди них именно «Семейная ипотека» является самой популярной. Она предоставляет возможность жителям покупать недвижимость с более выгодными условиями и поможет в реализации мечты о собственности.

История изменения лимитов

В этом году произошел случай, когда лимиты на «Семейную ипотеку» закончились. Правительству пришлось выделять дополнительные средства и перераспределять лимиты по банкам. Однако, после совещания у президента РФ, председатель правительства РФ Михаил Мишустин дал указание на увеличение лимитов. Теперь в 2025 году有望 избежать таких проблем.