Zions Bank Economic Overview
|
|
- Dorothy Charles
- 5 years ago
- Views:
Transcription
1 Zions Bank Economic Overview Utah League of Cities and Towns June 18, 2018
2 Utah Economic Conditions
3 CA 0.6% OR 1.4% WA 1.7% NV 2.0% Utah Population 3 rd Fastest Growing in U.S. ID 2.2% UT 1.9% AZ 1.6% AK -0.2% MT 1.1% WY -1.0% CO 1.4% NM 0.1% Percent Change: 2016 to 2017 U.S. Rate = 0.7% ND 0.0% SD 0.9% NE 0.7% TX 1.4% KS 0.3% 0.2% OK 0.2% MN 0.9% IA 0.5% MO 0.4% AR 0.5% WI 0.4% LA 0.0% IL -0.3% MS 0.0% MI 0.3% IN 0.5% TN 1.0% AL 0.3% OH 0.3% KY 0.4% WV -0.7% VT 0.0% PA 0.1% NC 1.1% SC 1.3% GA 1.1% VA 0.7% FL 1.6% NH 0.6% NY 0.1% ME 0.4% DC 1.4% CT 0.0% DE 1.0% MD 0.5% MA 0.5% RI 0.2% NJ 0.4% 1.5% + 0.7% to 1.4% 0.2% to 0.6% 0.0% to 0.1% Loss HI -0.1% Source: U.S. Census Bureau
4 Utah Counties Growth Outpacing Nation Percent Change: 2016 to 2017 U.S. Rate = 0.7% 1.5% + 0.7% to 1.4% 0.2% to 0.6% 0.0% to 0.1% Loss Source: U.S. Census Bureau
5 Utah Population and Components of Change Total Population 3,600,000 3,300,000 3,000,000 2,700,000 2,400,000 2,100,000 1,800,000 1,500,000 1,200, , , , ,101,833 22,587 34,886 90,000 80,000 70,000 60,000 50,000 40,000 30,000 20,000 10, ,000-20,000 Components of Population Change Net Migration Natural Increase Total Population Sources: U.S. Census Bureau e = estimate, f = forecast
6 Utah Population Growth Rates By County 2016 to 2017 State Average = 1.9% 3.0%+ 1.8% to 2.9% 1.0% to 1.7% 0.0% to 0.9% Loss Source: U.S. Census Bureau
7 Greater Wasatch Population Growth Rates By City 2015 to 2016 State Average = 1.8% 3.0%+ 1.8% to 2.9% 1.0% to 1.7% 0.0% to 0.9% Loss Source: U.S. Census Bureau
8 Salt Lake County Population Average Growth Rates 2010 to 2017 State Average = 1.7% 3.0%+ 1.8% to 2.9% 1.0% to 1.7% 0.0% to 0.9% Loss Source: U.S. Census Bureau
9 Utah County Population Average Growth Rates 2010 to 2017 State Average = 1.7% 3.0%+ 1.8% to 2.9% 1.0% to 1.7% 0.0% to 0.9% Loss Source: U.S. Census Bureau
10 Davis County Population Average Growth Rates 2010 to 2017 State Average = 1.7% 3.0%+ 1.8% to 2.9% 1.0% to 1.7% 0.0% to 0.9% Loss Source: U.S. Census Bureau
11 Weber County Population Average Growth Rates 2010 to 2017 State Average = 1.7% 3.0%+ 1.8% to 2.9% 1.0% to 1.7% 0.0% to 0.9% Loss Source: U.S. Census Bureau
12 Washington County Average Growth Rates 2010 to 2017 State Average = 1.7% 3.0%+ 1.8% to 2.9% 1.0% to 1.7% 0.0% to 0.9% Loss Source: U.S. Census Bureau
13 Cache County Average Growth Rates 2010 to 2017 State Average = 1.7% 3.0%+ 1.8% to 2.9% 1.0% to 1.7% 0.0% to 0.9% Loss Source: U.S. Census Bureau
14 Utah has the Fastest Employment Growth Percent Change in Employment for States: May 2017 to May 2018 U.S. Rate = 1.7% UT Rate = 3.4% NH 1.9% MA 1.6% 2.0% + 1.6% to 1.9% 1.0% to 1.5% HI 1.7% 0.0% to 0.9% Loss Source: Bureau of Labor Statistics
15 Utah Total Employment at New Highs 1,600 1,500 Gain of 339,700 jobs from low in 2010 Thousands of Employees 1,400 1,300 1,200 1,100 1, Loss of 92,000 jobs from Source: U.S. Bureau of Labor Statistics Note: Numbers rounded to nearest thousand Total Nonfarm Employment
16 Utah Industries Seeing Growth Percent Change in Utah Employment by Industry: May 2017 to May 2018 Ntl. Res. & Mining Construction Manufacturing Trade, Trans., Utilities Information Financial Activity Prof. & Bus. Serv. Ed. & Health Serv. Leisure & Hospitality Other Services Government -3.5% Total: 3.5% 0.3% 0.5% 1.6% 2.9% 3.1% 4.5% 4.4% 3.6% 4.0% 7.6% -13% -8% -3% 2% 7% 12% Source: Utah Department of Workforce Services
17 Utah Industries Seeing Growth Total Change in Utah Employment by Industry: May 2017 to May 2018 Ntl. Res. & Mining Construction ,400 Manufacturing 3,700 Trade, Trans., Utilities 12,400 Information Financial Activity 100 2,600 Total: 51,900 Prof. & Bus. Serv. 9,100 Ed. & Health Serv. 7,000 Leisure & Hospitality Other Services 200 5,700 Government 4,000-3,000-1,000 1,000 3,000 5,000 7,000 9,000 11,00013,00015,000 Source: Utah Department of Workforce Services
18 Changes and Differences Between US and Utah Economies Source: Kem C. Gardner Policy Institute Analysis of BEA National and Product Account Data
19 Changes in Utah s Tax base Source: Kem C. Gardner Policy Institute analysis of Utah office of Legislative Research and General counsel data
20 Utah Employment Change Rates By County May 2017 to May 2018 State Rate = 3.4% 5.0% + 3.3% to 4.9% 1.0% to 3.2% 0.0% to 0.9% Loss Source: Utah Department of Workforce Services
21 Utah Has the 11 th Lowest Unemployment Rate May 2018 U.S. Rate = 3.8%; UT = 3.0% VT 3.4% NH 4.4% MA 3.8% CT NJ 3.9% 2.7% RI 3.5% MD 2.6% DC 5.7% 6.0% + 5.5% to 5.9% 4.8% to 5.4% 4.0% to 4.7% 3.9% or less Source: Bureau of Labor Statistics
22 Utah Unemployment Rates By County April 2018 State Rate = 3.1% 7.0% + 6.0% to 6.9% 4.0% to 5.9% 3.2% to 3.9% 3.1% or lower Source: Utah Department of Workforce Services
23 Utah Personal Income Growth 3 rd Highest in the Nation Percent Change in Personal Income : U.S. = 3.1%, UT = 4.4% ID = 4.7% VT 3.4% NH 4.4% MA 3.8% CT NJ 3.9% 2.7% RI 3.5% MD 2.6% DE 2.5% DC 5.7% 4.0% or more 3.6% to 3.9% 2.0% to 3.5% 0.0% to 1.9% Decrease Source: Bureau of Labor Statistics
24 Utah Poverty Rate 7 th Lowest in the Nation CA 14.3% WA 11.3% OR 13.3% NV 13.8% AK 9.9% ID 14.4% UT 10.1% AZ 16.3% 2016 U.S. Rate = 14.0%, Utah Rate = 10.1% MT 13.3% WY 11.3% HI 9.3% CO 11.0% NM 19.8% ND 10.6% SD 13.3% NE 11.4% KS 12.1% TX 15.6% OK 16.3% MN 9.9% IA 11.8% MO 14.0% AR 17.1% WI 11.8% LA 20.1% IL 13.0% MS 20.8% 18.1% + MI 15.0% IN 14.1% TN 15.8% AL 17.1% 15.1% to 18.0% 12.1% to 15.0% 10.1% to 12.0% 10.0% or less OH 14.6% KY 18.5% WV 17.8% VT 11.9% PA 12.9% VA 11.0% NC 15.4% SC 15.3% GA 16.0% FL 14.6% NH 7.2% NY 14.6% ME 12.5% DC 18.6% CT 9.8% DE 11.6% MD 9.6% MA 10.4% RI 12.8% NJ 10.4% Source: U.S. Census Bureau, Annual Community Survey 1-year estimate
25 Strong Consumer Sentiment Jul-12 Above 110 indicates economic prosperity Nov-12 Mar-13 Jul-13 Nov-13 Mar-14 Jul-14 Nov-14 Mar-15 U.S. Consumer Confidence Index: Zions Bank Utah Consumer Attitude Index: Jul-15 Nov-15 Mar-16 Jul-16 Nov-16 Mar-17 Jul-17 Nov-17 Mar-18 Sources: Conference Board and Cicero Group
26 Year-over-year percent change 6.0% 5.0% 4.0% 3.0% 2.0% 1.0% 0.0% -1.0% Utah Inflation Hits Highest-Level Recorded Jul-2011 Oct-2011 Jan-2012 Apr-2012 Jul-2012 Oct-2012 Jan-2013 Apr-2013 Jul-2013 Oct-2013 Jan-2014 Apr-2014 Jul-2014 Oct-2014 Jan-2015 Apr-2015 Jul-2015 Oct-2015 Jan-2016 Apr-2016 Jul-2016 Oct-2016 Jan-2017 Apr-2017 Jul-2017 Utah 5.0% US 2.8% Oct-2017 Jan-2018 Apr-2018 United States CPI: +2.8% Zions Bank Wasatch Front CPI: +5.0% Source: U.S. CPI from National Bureau of Labor Statistics and Wasatch Front CPI from Cicero Group
27 $275,000 $255,000 $235,000 $215,000 $195,000 $175,000 $155,000 $135,000 $115,000 $95, Utah home values continue to rise Utah Dec $262, U.S. Dec $206, United States Utah Source: Zillow Research
28 Household Creation Surpasses Housing Units Source: Kem C. Gardner Policy Institute Population Projections and Ivory Boyer Construction Database
29 Home Prices Increasing Faster Than Wages Source: Wall Street Journal
30 Source: Wall Street Journal Multigenerational Households on the Rise
31 Utah Economic Indicators f Population Nonfarm Employment Unemployment Rate Personal Income Home Prices Retail Sales e 2018f 2019f Sources: State of Utah Revenue Assumptions Working Group, Moody s Economy.com, IHS Global Insights e = estimate f = forecast
32 Zions Bank, A Division of ZB, N.A. Member FDIC. Content is offered for informational purposes only and should not be construed as tax, legal, financial or business advice. Please contact a professional about your specific needs and advice. Content may contain trademarks or trade names owned by parties who are not affiliated with ZB, N.A. Use of such marks does not imply any sponsorship by or affiliation with third parties, and ZB, N.A. does not claim any ownership of or make representations about products and services offered under or associated with such marks. Robert Spendlove Economic and Public Policy Officer Robert.Spendlove@zionsbank.com Phone:
Zions Bank Economic Overview
Zions Bank Economic Overview Utah Institute of Real Estate Management Economic Summit September 12, 2017 National Economic Conditions August Job Indicators Indicator Expectation Actual Total Nonfarm Payrolls
More informationUinta Basin Energy Summit Economic Overview September 10, 2015
Uinta Basin Energy Summit Economic Overview September 10, 2015 Overview National Economic Conditions Utah Economic Conditions Utah is One of the Fastest Growing CA States in the Country Percent Change
More informationZions Bank Economic Overview Alta High School. March 24, 2017
Zions Bank Economic Overview Alta High School March 24, 2017 Economic Fundamentals Scarcity Based on limited resources Scarce resources must be allocated using a method of distribution Example: Food Clean
More informationUtah Land Title Association Economic Overview February 1, 2016
Utah Land Title Association Economic Overview February 1, 2016 Utah is One of the Fastest Growing CA 0.9% States in the Country Percent Change in Population for States: 2012 to 2013 WA 1.1% OR 0.8% NV
More informationZions Bank Economic Overview
Zions Bank Economic Overview Jackson Hole Mountain Resort March 20, 2018 National Economic Conditions When Good News is Bad News Is Good News?? Dow Tops 26,000 Up 44% Since 2016 Election Source: Wall Street
More informationZions Bank Salt Lake Northeast Region Officers Mee8ng Economic Overview. July 28, 2016
Zions Bank Salt Lake Northeast Region Officers Mee8ng Economic Overview July 28, 2016 National Economic Conditions Readings on the U.S. economy since the turn of the year have been somewhat mixed. - Janet
More informationUnderstanding the New Trump Economy Economic Overview. November 15, 2016
Understanding the New Trump Economy Economic Overview November 15, 2016 Uncertainty at the Na@onal and Interna@onal Level Source: Bureau of Labor Statistics The Trump Bump Why? National Job Growth 500
More informationWestern Treasure Valley Economic Breakfast Economic Overview March 17, 2016
Western Treasure Valley Economic Breakfast Economic Overview March 17, 2016 Utah is One of the Fastest Growing CA 0.9% States in the Country Percent Change in Population for States: 2012 to 2013 WA 1.1%
More informationZions Bank Economic Summit Economic Overview. November 3, 2016
Zions Bank Economic Summit Economic Overview November 3, 2016 Uncertainty at the Na@onal and Interna@onal Level Readings on the U.S. economy since the turn of the year have been somewhat mixed. - Janet
More informationUtah Association of Special Districts Economic Overview November 5, 2015
Utah Association of Special Districts Economic Overview November 5, 2015 Utah is One of the Fastest Growing CA 0.9% States in the Country Percent Change in Population for States: 2012 to 2013 WA 1.1% OR
More informationPRODUCER ANNUITY SUITABILITY TRAINING REQUIREMENTS BY STATE As of September 11, 2017
PRODUCER ANNUITY SUITABILITY TRAINING REQUIREMENTS BY STATE As of September 11, 2017 This document provides a summary of the annuity training requirements that agents are required to complete for each
More information2016 Workers compensation premium index rates
2016 Workers compensation premium index rates NH WA OR NV CA AK ID AZ UT MT WY CO NM MI VT ND MN SD WI NY NE IA PA IL IN OH WV VA KS MO KY NC TN OK AR SC MS AL GA TX LA FL ME MA RI CT NJ DE MD DC = Under
More informationOlder consumers and student loan debt by state
August 2017 Older consumers and student loan debt by state New data on the burden of student loan debt on older consumers In January, the Bureau published a snapshot of older consumers and student loan
More informationComparative Revenues and Revenue Forecasts Prepared By: Bureau of Legislative Research Fiscal Services Division State of Arkansas
Comparative Revenues and Revenue Forecasts 2010-2014 Prepared By: Bureau of Legislative Research Fiscal Services Division State of Arkansas Comparative Revenues and Revenue Forecasts This data shows tax
More informationPlunging Crude Prices: Impact on U.S. and State Economies
Plunging Crude Prices: Impact on U.S. and State Economies Mine Yücel Senior Vice President and Director of Research August 7, 215 Oil and gas prices plunge Nominal price, $, weekly 16 14 12 Oil Price 1
More informationTax Freedom Day 2019 is April 16th
Apr. 2019 Tax Freedom Day 2019 is April 16th Erica York Economist Madison Mauro Research Assistant Emma Wei Research Assistant Key Findings This year, Tax Freedom Day falls on April 16, or 105 days into
More informationTCJA and the States Responding to SALT Limits
TCJA and the States Responding to SALT Limits Kim S. Rueben Tuesday, January 29, 2019 1 What does this mean for Individuals under TCJA About two-thirds of taxpayers will receive a tax cut with the largest
More informationehealth, Inc Fall Cost Report for Individual and Family Policyholders
ehealth, Inc. 2010 Fall Cost Report for and Family Policyholders Table of Contents Page Methodology.................................................................. 2 ehealth, Inc. 2010 Fall Cost Report
More informationTexas Economic Outlook: Cruising in Third Gear
Texas Economic Outlook: Cruising in Third Gear Keith Phillips Assistant Vice President and Senior Economist 1/19/17 The views expressed in this presentation are strictly those of the presenter and do not
More informationCost and Coverage Implications of the ACA Medicaid Expansion: National and State by State Analysis
Cost and Coverage Implications of the ACA Medicaid Expansion: National and State by State Analysis Report Authors: John Holahan, Matthew Buettgens, Caitlin Carroll, and Stan Dorn Urban Institute November
More informationProperty Tax Relief in New England
Property Tax Relief in New England January 23, 2015 Adam H. Langley Senior Research Analyst Lincoln Institute of Land Policy www.lincolninst.edu Property Tax as a % of Personal Income OK AL IN UT SD MS
More informationEye on the South Carolina Housing Market presented at 2008 HBA of South Carolina State Convention August 1, 2008
Eye on the South Carolina Housing Market presented at 28 HBA of South Carolina State Convention August 1, 28 Robert Denk Assistant Staff Vice President, Forecasting & Analysis 2, US Single Family Housing
More informationTax Freedom Day 2018 is April 19th
Apr. 2018 Tax Freedom Day 2018 is April 19th Erica York Analyst Key Findings Tax Freedom Day is a significant date for taxpayers and lawmakers because it represents how long Americans as a whole have to
More informationTaxing Investment Income in the States New Hampshire Fiscal Policy Institute 2 nd Annual Budget and Policy Conference Concord, NH January 23, 2015
Taxing Investment Income in the States New Hampshire Fiscal Policy Institute 2 nd Annual Budget and Policy Conference Concord, NH January 23, 2015 Norton Francis State and Local Finance Initiative Urban-Brookings
More informationThe Lincoln National Life Insurance Company Term Portfolio
The Lincoln National Life Insurance Company Term Portfolio State Availability as of 7/16/2018 PRODUCTS AL AK AZ AR CA CO CT DE DC FL GA GU HI ID IL IN IA KS KY LA ME MP MD MA MI MN MS MO MT NE NV NH NJ
More informationState Trust Fund Solvency
Unemployment Insurance State Trust Fund Solvency National Employment Law Project Conference - Washington DC December 7, 2009 Robert Pavosevich pavosevich.robert@dol.gov Unemployment Insurance Program
More informationThe Acquisition of Regions Insurance Group. April 6, 2018
The Acquisition of Regions Insurance Group April 6, 2018 Forward-Looking Statements This presentation contains "forward-looking statements" within the meaning of the Private Securities Litigation Reform
More information2018 National Electric Rate Study
2018 National Electric Rate Study Ranking of Typical Residential, Commercial and Industrial Electric Bills LES Administrative Board June 15, 2018 Emily N. Koenig Director of Finance & Rates 1 Why is the
More informationAlaska Transportation Finance Study Alaska Municipal League
Alaska Transportation Finance Study Alaska Municipal League presented to Alaska House Transportation Committee presented by Christopher Wornum Cambridge Systematics, Inc. February 12, 2009 Transportation
More informationUnemployment Insurance Benefit Adequacy: How many? How much? How Long?
Unemployment Insurance Benefit Adequacy: How many? How much? How Long? Joel Sacks, Deputy Commissioner Washington State Employment Security Department March 1, 2012 1 Outline How many get unemployment
More informationWho s Above the Social Security Payroll Tax Cap? BY NICOLE WOO, JANELLE JONES, AND JOHN SCHMITT*
Issue Brief September 2011 Center for Economic and Policy Research 1611 Connecticut Ave, NW Suite 400 Washington, DC 20009 tel: 202-293-5380 fax: 202-588-1356 www.cepr.net Who s Above the Social Security
More informationMassachusetts Budget and Policy Center
Progressive Massachusetts 2013 Policy Conference March 24, 2013 Lasell College Newton, MA Presentation by Massachusetts Budget and Policy Center Our State Budget: Building a Better Future Together Massachusetts
More informationBlack Knight Mortgage Monitor
Black Knight Mortgage Monitor Mortgage Market Performance Observations Data as of May, 2014 Month-end Black Knight First Look May 2014 Total U.S. loan delinquency rate (loans 30 or more days past due,
More informationState Treatment of Social Security Treatment of Pension Income Other Income Tax Breaks Property Tax Breaks
State-By-State Tax Breaks for Seniors, 2016 State Treatment of Social Security Treatment of Pension Income Other Income Tax Breaks Property Tax Breaks AL Payments from defined benefit private plans are
More informationLocal Anesthesia Administration by Dental Hygienists State Chart
Education or AK 1981 General Both Specific Yes WREB 16 hrs didactic; 6 hrs ; 8 hrs lab AZ 1976 General Both Accredited Yes WREB 36 hrs; 9 types of AR 1995 Direct Both Accredited/ Board Approved No 16 hrs
More informationTexas Mid-Year Economic Outlook: Strong Growth Continues
Texas Mid-Year Economic Outlook: Strong Growth Continues Keith Phillips Assistant Vice President and Senior Economist 9/27/18 The views expressed in this presentation are strictly those of the presenter
More informationFlorida 1/1/2016 Workers Compensation Rate Filing
Florida 1/1/2016 Workers Compensation Rate Filing Kirt Dooley, FCAS, MAAA October 21, 2015 1 $ Billions 4.0 3.5 3.0 2.5 2.0 1.5 1.0 0.5 0.0 Florida s Workers Compensation Premium Volume 2.368 0.765 0.034
More informationSCHIP: Let the Discussions Begin
Figure 0 SCHIP: Let the Discussions Begin Diane Rowland, Sc.D. Executive Vice President, Henry J. Kaiser Family Foundation and Executive Director, Kaiser Commission on for Alliance for Health Reform February
More informationTax Breaks for Elderly Taxpayers in the States in 2016
AL Payments from defined benefit private plans are exempt; most public systems are exempt; military and US Civil service are exempt Special Homestead ion for 65+ +25.2% +2.4% AK No PIT Homestead ion for
More informationSIGNIFICANT PROVISIONS OF STATE UNEMPLOYMENT INSURANCE LAWS JANUARY 2008
U.S. DEPARTMENT OF LABOR EMPLOYMENT AND TRAINING ADMINISTRATION Office Workforce Security SIGNIFICANT PROVISIONS OF STATE UNEMPLOYMENT INSURANCE LAWS JANUARY 2008 AL AK AZ AR CA CO CT DE DC FL GA HI /
More informationCharles Gullickson (Penn Treaty/ANIC Task Force Chair), Richard Klipstein (NOLHGA)
MEMO DATE: TO: Charles Gullickson (Penn Treaty/ANIC Task Force Chair), Richard Klipstein (NOLHGA) FROM: Vincent L. Bodnar, ASA, MAAA RE: Penn Treaty Network American Insurance Company and American Network
More informationOregon: Where Taxes Are Low, Fees Are High and Revenue Is Slightly Below Average
Issue Brief March 6, 2012 Oregon: Where Taxes Are Low, Fees Are High and Revenue Is Slightly Below Average The money we pay in fees and taxes helps create jobs, build a strong economy, and preserve Oregon
More information2018 Texas Economic Outlook: Firing on All Cylinders
218 Texas Economic Outlook: Firing on All Cylinders Keith Phillips Assistant Vice President and Senior Economist 4/5/218 The views expressed in this presentation are strictly those of the presenter and
More informationTexas Economic Outlook: Strong Growth Continues
Texas Economic Outlook: Strong Growth Continues Keith Phillips Assistant Vice President and Senior Economist 1/23/18 The views expressed in this presentation are strictly those of the presenter and do
More informationObamacare in Pictures
Obamacare in Pictures VISUALIZING THE EFFECTS OF THE PATIENT PROTECTION AND AFFORDABLE CARE ACT Spring 2014 If you like your health care plan, can you really keep it? At least 4.7 million health care plans
More informationRegional Economic Update
Regional Economic Update Roberto Coronado Assistant Vice President in Charge and Sr. Economist July 23, 2015 The views expressed in this presentation are strictly those of the authors and do not necessarily
More informationState of the Automotive Finance Market
State of the Automotive Finance Market A look at loans and leases in Q4 2017 Presented by: Melinda Zabritski Sr. Director, Financial Solutions www.experian.com/automotive 2018 Experian Information Solutions,
More informationRefinance Report August 2012
This report contains data on refinance program activity of Fannie Mae and Freddie Mac (the Enterprises) through. Report Highlights Refinance volume continued to be strong in August as 30-year mortgage
More informationAge of Insured Discount
A discount may apply based on the age of the insured. The age of each insured shall be calculated as the policyholder s age as of the last day of the calendar year. The age of the named insured in the
More informationInsured Deposit Program. Updated 03/31/2017
Insured Deposit Program Welcome to the FDIC Insured Deposit Program. Under this program, available cash balances (from security transactions, dividend and interest payments and other activities) in your
More informationRESEARCH REPORT VARIABLE RATE DEMAND OBLIGATIONS 2010 UPDATE OCTOBER New York n Washington. Volume V No.
RESEARCH REPORT OCTOBER 21 VARIABLE RATE DEMAND OBLIGATIONS 21 UPDATE Volume V No. 16 New York n Washington Variable Rate Demand Obligations Q2 29-21 VARIABLE RATE DEMAND OBLIGATIONS Variable rate demand
More informationInsured Deposit Program Updated 10/17/2016
Insured Deposit Program Welcome to the FDIC Insured Deposit Program. Under this program, available cash balances (from security transactions, dividend and interest payments and other activities) in your
More informationMedicare Alert: Temporary Member Access
Medicare Alert: Temporary Member Access Plan Sponsor: Coventry/Aetna Medicare Part D Effective Date: Jan. 12, 2015 Geographic Area: National If your pharmacy is a Non Participating provider in the Aetna/Coventry
More informationObamacare in Pictures. Visualizing the Effects of the Patient Protection and Affordable Care Act
Visualizing the Effects of the Patient Protection and Affordable Care Act Fall 2012 expands dependence on government health care dumps millions into Medicaid and creates new federal subsidies for government-approved
More informationPercent of Employees Waiving Coverage 27.0% 30.6% 29.1% 23.4% 24.9%
Number of Health Plans Reported 18,186 3,561 681 2,803 3,088 Offer HRA or HSA 34.0% 42.7% 47.0% 39.7% 35.0% Annual Employer Contribution $1,353 $1,415 $1,037 $1,272 $1,403 Percent of Employees Waiving
More informationBlack Knight Mortgage Monitor
Black Knight Mortgage Monitor Mortgage Market Performance Observations Data as of April, 2014 Month-end Black Knight First Look April 2014 2 Focus Points Prepayment activity and originations ARM loans
More informationReal Gross Domestic Product
Real Gross Domestic Product 6 5 4 3 2 1 0-1 -2-3 -4-5 -6-7 -8-9 Percent change from previous quarter at annual rate Q3 4.1% 6 5 4 3 2 1 0-1 -2-3 -4-5 -6-7 -8-9 -10 2005 2006 2007 2008 2009 2010 2011 2012
More informationA Perspective from the Federal Reserve Institute of Internal Auditors San Antonio Chapter August 19, 2015 Blake Hastings Senior Vice President
A Perspective from the Federal Reserve Institute of Internal Auditors San Antonio Chapter August 19, 215 Blake Hastings Senior Vice President The views expressed in this presentation are strictly those
More informationThe State Tax Implications of Federal Tax Reform Legislation
The State Tax Implications of Federal Tax Reform Legislation Executive Committee Task Force on State and Local Taxation Phoenix, Arizona January 14, 2017 Joe Crosby, Multistate Associates Karl Frieden,
More information2018 ADDENDUM INSTRUCTIONS
2018 ADDENDUM INSTRUCTIONS FEBRUARY 22, 2019 UPDATE: 2018 MUNICIPAL REFERENCE BOOK 1. DELAWARE funds are listed on page 15. You may note on page 15 to see the addendum for additional Delaware funds. The
More informationJust The Facts: On The Ground SIF Utilization
Just The Facts: On The Ground SIF Utilization The Access 4 Learning Community (A4L), previously the SIF Association, has changed its brand name due to the fact that the majority of its 3,000 members represent
More informationReport to Congressional Defense Committees
Report to Congressional Defense Committees The Department of Defense Comprehensive Autism Care Demonstration December 2016 Quarterly Report to Congress In Response to: Senate Report 114-255, page 205,
More informationRLI TRANSPORTATION A Division of RLI Insurance Company 2970 Clairmont Road, Suite 1000 Atlanta, GA Phone: Fax:
RLI TRANSPORTATION A Division of RLI Insurance Company 2970 Clairmont Road, Suite 1000 Atlanta, GA 30329 Phone: 404-315-9515 Fax: 404-315-6558 AGENCY/BROKER PROFILE Please type your answers. Use a separate
More informationThe Oil Market: From Boom to Gloom
The Oil Market: From Boom to Gloom Mine Yücel Senior Vice President and Director of Research February 12, 216 The views expressed are those of the speaker and should not be attributed to the or the Federal
More informationPlunging Oil Prices: Impact on the U.S. and State Economies
Plunging Oil Prices: Impact on the U.S. and State Economies Mine Yücel Senior Vice President and Director of Research November 17, 216 Nominal price, weekly 16 14 Oil and gas prices volatile 12 1 Oil price
More informationFiduciary Tax Returns
Functions and Procedures Index Books On Line Main Directory Overview... 2 How does it work?... 3 What Information is transmitted to the Tax Service?... 4 How do I initiate this service?... 8 Do I have
More informationNevada Labor Market Briefing: January Summary of Labor Market Economic Indicators
Nevada Labor Market Briefing: January 2019 Summary of Labor Market Economic Indicators Department of Employment, Training, & Rehabilitation Dr. Tiffany Tyler-Garner, Director Dennis Perea, Deputy Director
More information2016 GEHA. dental. FEDVIP Plans. let life happen. gehadental.com
2016 GEHA dental FEDVIP Plans let life happen gehadental.com Smile, you re covered, with great benefits and a large national network. High maximum benefits $25,000 for High Option Growing network of dentists
More informationPresented by: Matt Turkstra
Presented by: Matt Turkstra 1 » What s happening in Ohio?» How is health insurance changing? Individual and Group Health Insurance» Important employer terms» Impact small businesses that do not offer insurance?
More informationRecap of 2017: The Best Year in a Decade
NOVEMBER 217 Recap of 217: The Best Year in a Decade Macroeconomic conditions remained favorable for housing and mortgage markets in 217. Despite challenges, the housing markets remain on track for their
More informationMEMORANDUM. SUBJECT: Benchmarks for the Second Half of 2008 & 12 Months Ending 12/31/08
MEMORANDUM TO: FROM: HR Investment Center Members Matt Cinque, Managing Director DATE: March 12, 2009 SUBJECT: Benchmarks for the Second Half of 2008 & 12 Months Ending 12/31/08 Please find enclosed the
More informationPaying Out-of-Pocket
September 2017 Paying Out-of-Pocket The Healthcare Spending of 2 Million US Families Healthcare costs are rising for families. In 2015 the US spent 18 percent of Gross Domestic Product (GDP) on healthcare,
More informationThe Economics of Homelessness
15 The Economics of Homelessness Despite frequent characterization as a psychosocial problem, the problem of homelessness is largely economic. People who become homeless have insufficient financial resources
More informationTexas Mid-Year Economic Outlook: The Skies are Beginning to Clear Keith Phillips Assistant Vice President and Senior Economist
Texas Mid-Year Economic Outlook: The Skies are Beginning to Clear Keith Phillips Assistant Vice President and Senior Economist The views expressed in this presentation are strictly those of the presenter
More informationYolanda K. Kodrzycki New England Public Policy Center Federal Reserve Bank of Boston
The Growing Instability of Revenues over the Business Cycle: Putting the New England States in Perspective Yolanda K. Kodrzycki New England Public Policy Center Federal Reserve Bank of Boston Lincoln Institute
More informationPLEASE NOTE: Required American Equity specific Product Training must be completed PRIOR to soliciting an Application to A
PLEASE NOTE: Required American Equity specific Product Training must be completed IOR to soliciting an Application to A Signed in as: JOSEPH E GOSS LTD 3/12/2014 1:18:30 PM Home Announcements Information
More informationCOMPARISON OF ABA MODEL RULE FOR REGISTRATION OF IN-HOUSE COUNSEL WITH STATE VERSIONS
As of September 7, 2016 2016 American Bar Association COMPARISON OF ABA MODEL RULE FOR REGISTRATION OF IN-HOUSE COUNSEL WITH STATE VERSIONS AMERICAN BAR ASSOCIATION CENTER FOR PROFESSIONAL RESPONSIBILITY
More informationUniform Consent to Service of Process
Applicant Company Name: NAIC No. FEIN: Uniform Consent to Service of Process Original Designation Amended Designation (must be submitted directly to states) Applicant Company Name: Previous Name (if applicable):
More informationStates and Medicaid Provider Taxes or Fees
March 2016 Fact Sheet States and Medicaid Provider Taxes or Fees Medicaid is jointly financed by states and the federal government. Provider taxes are an integral source of Medicaid financing governed
More informationCorporate Income Tax and Policy Considerations
Corporate Income Tax and Policy Considerations Presentation by Richard Anklam, Executive Director, New Mexico Tax Research Institute To The Interim Revenue Stabilization and Tax Policy Committee September
More informationDOWNLOAD OR READ : DEVELOPMENT OF THE INCOME SMOOTHING LITERATURE VOL 4 A FOCUS ON THE UNITED STATES PDF EBOOK EPUB MOBI
DOWNLOAD OR READ : DEVELOPMENT OF THE INCOME SMOOTHING LITERATURE 1893 1998 VOL 4 A FOCUS ON THE UNITED STATES PDF EBOOK EPUB MOBI Page 1 Page 2 development of the income smoothing literature 1893 1998
More informationProperty Tax Deferral: A Proposal to Help Massachusetts Seniors
Property Tax Deferral: A Proposal to Help Massachusetts Seniors Alicia H. Munnell and Abigail N. Walters Center for Retirement Research at Boston College Economic Perspectives on State and Local Taxes
More informationPlease print using blue or black ink. Please keep a copy for your records and send completed form to the following address.
20 Disbursement for Beneficiary/QDRO Account IBEW Local Union No. 716 Retirement Plan Instructions About You Please print using blue or black ink. Please keep a copy for your records and send completed
More informationMedicaid in an Era of Change: Findings from the Annual Kaiser 50 State Medicaid Budget Survey
Medicaid in an Era of Change: Findings from the Annual Kaiser 50 State Medicaid Budget Survey Robin Rudowitz Associate Director, Kaiser Commission on Medicaid and the Uninsured The Henry J. Kaiser Family
More informationThe Entry, Performance, and Viability of De Novo Banks
The Entry, Performance, and Viability of De Novo Banks Yan Lee and Chiwon Yom* FEDERAL DEPOSIT INSURANCE CORPORATION *The views expressed here are solely of the authors and do not necessarily reflect the
More informationThe Affordable Care Act (ACA)
The Affordable Care Act (ACA) An Overview by the Kaiser Family Foundation NBC News Editorial Roundtable June 26, 2013 1. The Basics of the Affordable Care Act (ACA) Expanded Medicaid Coverage Starting
More informationPremium Savings Program Broker Training
Quality health plans & benefits Healthier living Financial well-being Intelligent solutions Premium Savings Program Broker Training April 2013 We are responding to ACA changes Pricing volatility Rate shock
More information< Executive Summary > Ready Mixed Concrete Industry Data Report Edition
Ready Mixed Concrete Industry Data Report A benchmarking tool for planning, evaluating and directing the financial activities of your organization. 2012 Edition (2011 data) < Executive Summary > Prepared
More informationSTATE MOTOR FUEL TAX INCREASES:
STATE MOTOR FUEL TAX INCREASES: 2013-2018 Since 2013, 27 states have increased or adjusted taxes on motor fuel to support needed transportation investments. Twenty-four of those states increased their
More informationIndexed Universal Life Caps
Indexed Universal Life Caps Effective March 15, 2013, the caps on FG Life-Elite II will be changing as follows: Cap Illustrative Rate 100% Participation Annual Point-to-Point 14.75% 8.32% 140% Participation
More informationAlternative Paths to Medicaid Expansion
Alternative Paths to Medicaid Expansion Robin Rudowitz Kaiser Commission on Medicaid and the Uninsured Kaiser Family Foundation National Health Policy Forum March 28, 2014 Figure 1 The goal of the ACA
More informationJuly Municipal Auction Rate Securities 2010 update. Volume V. New York n Washington
Research REPORT July 21 Municipal Auction Rate Securities 21 update Volume V No. 14 New York n Washington Municipal Auction Rate Securities 29-21 MUNICIPAL AUCTION RATE SECURITIES Auction rate securities
More informationPatient Protection and. Affordable Care Act: The Impact on Employers
Patient Protection and Affordable Care Act: The Impact on Employers April 2013 Agenda Introductions Individual Mandate Healthcare Exchange Overview Impact on Employers Essential Health Benefits Fees &
More informationMarilyn Tavenner, CMS Administrator Don Moulds, Acting Assistant Secretary for Planning and Evaluation
TO: The Secretary Through: DS COS ES FROM: Marilyn Tavenner, CMS Administrator Don Moulds, Acting Assistant Secretary for Planning and Evaluation DATE: September 5, 2013 SUBJECT: Projected Monthly Targets
More informationState and Local Sales Tax Revenue Losses from E-Commerce: Estimates as of July 2004
State and Local Sales Tax Revenue Losses from E-Commerce: Estimates as of July 2004 by Dr. Donald Bruce, Research Assistant Professor dbruce@utk.edu and Dr. William F. Fox, Professor and Director billfox@utk.edu
More information2017 Supplemental Tax Information
2017 Supplemental Tax Information We have compiled the following information to help you prepare your 2017 federal and state tax returns: - Percentage of income from U.S. government obligations - Federal
More informationStreamlined Sales Tax Governing Board and Business Advisory Council Update
Streamlined Sales Tax Governing Board and Business Advisory Council Update Charles Collins, ADP Fred Nicely, Council On State Taxation Craig Johnson, Streamlined Sales Tax Governing Board NCSL SALT Taskforce
More informationCharts with Analysis: Tax Tax Type: Sales and Use Tax Topic: Cash for Clunkers Payments
Effective July 1, 2009, until November 1, 2009, the federal government has enacted the Consumer Assistance to Recycle and Save (CARS) Program, Title XIII of PL 111-32 (2009), 123 Stat. 1859. The program,
More informationFederal Tax Reform Impact on 2019 Legislative Sessions: GILTI
Federal Tax Reform Impact on 2019 Legislative Sessions: GILTI Executive Committee Task Force on State and Local Taxation Scottsdale, Arizona November 17, 2018 Karl Frieden, COST Deborah Bierbaum, AT&T
More informationNational and Virginia Economic Outlook
National and Virginia Economic Outlook Association of Electric Cooperatives September 29, 215 Sonya Ravindranath Waddell Regional Economist Research Department The views and opinions expressed herein are
More information