The First Street Foundation’s report, “Climate, the Sixth ‘C’ of Credit,” introduces climate risk as a critical factor in credit assessments, alongside the traditional five Cs: character, capacity, capital, conditions, and collateral. This addition reflects the growing impact of climate-related events on mortgage markets and financial stability. Key Findings 1. Climate Risk as a Credit […]
Category Archives: Business
Climate Risk: The Sixth ‘C’ Transforming Credit and Mortgage Markets
Also posted in Environment, Finance, Global Warming, Science
Tagged climate change, flood insurance
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When AI Attacks Itself: The Strange New World of Automated Copyright Warfare
by Daniel Brouse May 25, 2025 In our last R&D and A&R deep dive, “AI, Copyrights, and the Music Industry: A Glimpse into the Future of Intellectual Property,” we explored the growing legal and ethical complexities facing artists who use artificial intelligence in their creative workflows. But as complicated as things were then, the latest […]
Market Volatility Intensifies as Bond Market Sends Clear Warning
by Daniel Brouse May 21, 2025 As anticipated, the stock market is experiencing extreme volatility. This is precisely why I recommended dramatically reducing exposure to equities. The emotional and financial toll of riding this rollercoaster isn’t just unsettling—it’s unsustainable over the long run. Historically, chasing equity rallies in an unstable environment is a losing strategy. […]
Also posted in Energy, Environment, Finance, freedom, Global Warming, Government, liberty, taxes
Tagged economy
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AI, Copyrights, and the Music Industry: A Glimpse into the Future of Intellectual Property
I recently encountered a fascinating twist in the evolving relationship between artificial intelligence and intellectual property. After releasing several thousand AI-generated songs via an international distributor to platforms like Spotify, Apple Music, Amazon, and others, I was notified that one of my tracks was being held up. The reason? The system had flagged the release […]
Moody’s Downgrade Ends Century-Long AAA Credit Rating for the United States
by Daniel Brouse May 16, 2025 The United States has just lost its last perfect credit rating, a significant downgrade that could have serious implications for financial markets and the broader economy. On Friday, Moody’s Ratings downgraded U.S. government debt, stripping the country of its long-held AAA rating. This move marks the end of more […]
China Quietly Retreats from U.S. Debt Market Amid Trade War Volatility
by Daniel Brouse May 14, 2025 Cash flows and foreign treasury holdings in and out of the United States have grown increasingly volatile under the Trump administration’s ongoing trade war. One of the most consequential—and largely underreported—developments is China’s quiet withdrawal from the U.S. Treasury market. Unlike an overt selloff that would signal immediate economic […]
Tariffs on Trial: Court Case Could Rein in Executive Trade Powers and Stabilize U.S. Economy
by Daniel Brouse May 13, 2025 If the Trump-era tariffs are struck down by the courts, the United States could see a return to more stable and predictable economic conditions. Such a ruling would likely reduce inflationary pressures, ease supply chain disruptions, and reopen channels of global trade—fostering stronger international partnerships and lowering costs for […]
Also posted in freedom, Government, International, liberty, Politics, taxes
Tagged economy
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Ignore the Noise: The Bond Market Is Sounding the Alarm
by Daniel Brouse May 13, 2025 A couple of months ago, I suggested that those concerned about the future of the economy should focus less on the stock market and more on the bond market. Since then, the divergence between financial market optimism and economic reality has only widened. The stock market, increasingly detached from […]
Curb the Enthusiasm: U.S.–China ‘Trade Deal’ Is Just a Temporary Pause in a Costly Tariff War
by Daniel Brouse May 12, 2025 A much-publicized “trade deal” between the United States and China was announced over the weekend, sparking an immediate rally in the futures markets. Investors initially interpreted the announcement as a sign of easing tensions between the world’s two largest economies. However, a closer look reveals the agreement is far […]
Also posted in Finance, freedom, Government, International, Politics, taxes
Tagged economy
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Misleading Claims on Gas Prices, Inflation, and the Economy: A Closer Look at the Facts
by Daniel Brouse May 10, 2025 “‘Too Late’ Jerome Powell is a FOOL, who doesn’t have a clue. Other than that, I like him very much! Oil and Energy way down, almost all costs (groceries and ‘eggs’) down, virtually NO INFLATION, Tariff Money Pouring Into the U.S. — THE EXACT OPPOSITE OF ‘TOO LATE!’ ENJOY!”— […]
Also posted in Agriculture, Education, Energy, Environment, Finance, freedom, Global Warming, Government, International, liberty, Politics, Science, Society, taxes
Tagged climate change, economy
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