Travel

Will Supply Shortages Cost Consumers More

April 25, 2021 By Max Erkiletian Leave a Comment

Production cuts during the pandemic, drought in Asia, increased demand, and a shipping bottleneck. All are factors in current and coming supply shortages that have exposed the frailty of supply chains around the world. To you, that means a scarcity of some goods and higher prices.

We will examine supply shortages that have and will lead to price increases in general. However, let’s first take a look at three resources in short supply now that are pushing prices upward.

Gas Prices Increase

Despite an increase in demand, prices at the pump have remained fairly steady, according to the American Automotive Association (AAA). So far this month, a gallon of gas has averaged $2.86 reports AAA. However, that is about $1 higher than this time last year.

One of the reasons gas prices have climbed is OPEC production cuts. The cartel decreased production earlier this year. However, on April 1, it announced gradual production increases. That may stabilize prices for now, but future production changes could increase what you pay at the pump.

Outlook Steady

“For all of 2021, we expect U.S. retail prices of regular-grade gasoline to average $2.66/gal and retail prices for all grades to average $2.78/gal,” states the U. S. Energy Information Administration, “which would result in the average U.S. household spending about $480 (31%) more on motor fuel in 2021 compared with 2020.”

Traditionally, demand for gas increases as people hit the road on vacation. That didn’t happen much last year. However, this year is expected to be different. More vaccinated people with more money are expected to increase their travel this summer. That will increase demand. If supplies do not keep up, prices will increase.

Rubber Supply Shortage Expanding

Natural rubber climbed to a four-year high this week, trading at $2.20 per kilogram. The price increase is attributable to a rubber supply shortage. How nice, you say, for those traders who bet on rubber. But how does that affect me?

It means you will pay more for many things you use every day.

Rubber Used in Many Products

As you go through your day, take note of the rubber in all the products you use. Do you walk across a floor? There is rubber under the carpet or wood. In fact, your shoes probably contain rubber. Do you go to a doctor? Those gloves they wear are made of rubber. Do you drive or take public transportation? Rubber is used in the tires and belts of those vehicles. It is also used in adhesives, clothing, and many other products.

Tire Prices Rising

Because rubber is used in so many products it is hard to break down price hikes in each one. However, one of the most noticeable products being affected by the decreased rubber supply is tires.

Major tire manufactures have raised prices an average of eight percent in recent months.

The China Factor

Contributing to the rubber supply shortage was a drought in Thailand and Vietnam. However, China has had an impact. It began stockpiling rubber in 2012. As rubber made its way to the market this year, China has been quick to make purchases.

Wood Growing Scarce

If you are building a new home, you will pay on average $24,000 more this year than in 2020, according to the National Association of Home Builders (NAHB). The increase is due to increasing lumber prices.

“The escalating lumber prices are largely due to insufficient domestic production and extremely large lumber mill curtailments that lasted well into the 2020 building season,” says the NAHB.

Other Causes of Supply Shortages

Though there are specific causes for some shortages, there are some general causes that impact almost all products.

The Pandemic

Many companies cut production in anticipation of reduced demand during the height of the pandemic. They also reduced production capacity by exercising safety precautions. Those safety measures, such as social distancing, reduced the workforce. As a result, fewer goods were produced.

Jammed Seaports

Consumer demand has increased as the economy recovers. As a result, international shipping has accelerated and ports are clogged.

As many as 41 container ships have been forced to lay at anchor waiting for a birth in the Los Angeles/Long Beach port, according to a report in the Seatrade Maritime News. Other ports are also jammed. As a result, there is now a backlog in rail shipping.

Economic Recovery and Consumer Spending

Some factors such as drought in Southeast Asia or a deep freeze in Texas are unpredictable forces of nature. However, they may not be as big as human actions.

People and computer models trying to forecast supply needs did not anticipate the economy rebounding as quickly as it has.

The ramped-up vaccine rollout and increased stimulus money have got more people out and spending. Consequently, we are buying more gas and ordering more products than businesses planned for.

Light at the End of the Funnel

One person who thinks the supply shortages will not last is Federal Reserve Chairman Jerome Powell.

“It’s not like the supply side will be unable to adapt to these things,” Powell said at a March 17 press conference. “It will—the market will clear. It just may take some time.”

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Weekly Financial Wrap: Workers Want Flexibility; Banks Earnings Explode; and Supply Shortages Push Prices Up

April 24, 2021 By Max Erkiletian Leave a Comment

Most Workers Do Not Want the Old Office Routine

With vaccinations increasing and the economy opening up, more people are talking about the workforce returning to normal. But, what will the new normal be?

A recent survey by Harvard Business School (HBS) found that 81 percent of those forced to work from home during the pandemic want to continue working remotely in some manner. Of that number, 27 percent want to work from home full-time. Another 61 percent favor a hybrid of two or three days in the office and two or three days at home.

Only 18 percent of those surveyed wanted to return to the office full-time. Parents with children at home and married people wanted back in the office more than singles and those without children.

More Flexibility, More Productivity

“The past year has been difficult for everyone, but what’s surprising is how well people feel they’ve performed at work, while at home,” said HBS Online Executive Director Patrick Mullane. “Now, as we’re preparing to get back to ‘business as usual,’ it seems professionals don’t want ‘business as usual.’ Instead, they want flexibility from their employers to allow them to maintain the new work/home balance and productivity they have come to enjoy.”

Other Findings in the Survey:

1-in-3 felt both their overall performance and quality of work was better than the year prior
1-in-3 were actually able to better focus on work from home.
35 percent read more for professional growth.
29 percent continued their education.
34 percent took online courses for career development.
70 percent spent more time with loved ones.
1-in-3 drank more alcohol.
1-in-3 used more recreational drugs.
14 percent bathed less.

Big Banks Boom

Earning season, when companies began reporting earnings, major banks took the lead. Many hit levels not seen since the 2008 financial crisis.

JP Morgan Chase notched record revenues of $33.1 billion. That pushed earnings up 477 percent to $4.50 a share.

Revenues of $17.7 billion for Goldman Sachs almost doubled first-quarter earnings last year. That moved earnings per share to $18.60.

Profits for the first quarter at Bank of America (BofA) doubled. Citigroup’s profits tripled.

Two factors contributed to bank profits and earnings.

Increased Stock and Bond Trading

Stock and bond trading moved at a fevered pace in the first quarter of 2021. That included an explosion of Initial Public Offerings (IPOs) and Special Purpose Acquisition Companies (SPACs). That meant more investors were buying and selling. The result was more profits for the big banks.

Goldman increased equity-underwriting revenues 40 percent over the last quarter. In addition, Citigroup’s investment banking revenues were up 50 percent.

Improving Economy

Lenders began predicting a brighter economic future earlier this year. Much of that is due to stimulus from the federal government.

Spendmenot, a website covering financial trends, estimates Americans are sitting on $3.9 trillion savings. Much of that accumulated from stimulus checks. In addition, the research firm says consumers may be poised for a spending spree. That will boost the economy and banking.

Release of Reserves

The banks brought billions of dollars out of reserve in the first quarter. That also bloated their bottom line.

The uncertain pandemic economy led banks to stockpile reserves of cash in 2020. However, with loans performing better than expected and the bright economic outlook, those reserves are no longer needed. For example, JP Morgan now expects $4.2 billion loans it had anticipated would default to be paid. In addition, BofA added $1.9 billion it had put in reserve to its bottom line. Other big banks made similar moves.

Short Supplies, Higher Prices

It’s not just the pandemic. A host of problems have clogged the supply chain. As a result, there are more shortages coming. That will lead to higher prices of many items we use every day.

Sunday, SA takes a look at supply shortages and their impact on the goods you buy in the future.

Jobless Claims Decline

Unemployment insurance claims continued downward Thursday. The U. S. Department of Labor reported 547,000 people filed for unemployment insurance for the first time last week.

That figure is 39,000 below last week’s revised figure. In addition, it was the lowest initial claims report since March 14, 2020. At that time 256,000 people filed unemployment claims for the first time.

Unemployment Rate

Unemployment stayed at six percent. However, that is well below the peaked of 14.7 percent in April 2020. That month 6.2 million made their first application for unemployment benefits, according to the Labor Department.

Conclusion

The new normal in the work environment may be a lot like the COVID work environment if employees have their way. Regardless, strong banks with more people working and spending are accelerating the economic recovery. Although prices may be higher until the supply chain catches up to consumer demand.

How to Save Money on Your Post Pandemic Vacation

April 21, 2021 By Tamila McDonald Leave a Comment

For many people, the idea of a post-pandemic vacation is hard to ignore. Luckily, as vaccination rates keep rising, travel may become safer. Thus, allowing people to head away from home and experience a change of scenery. But as interest in travel rises, so can costs. If you want to save money on your post-pandemic vacation. Here are some tips that can help.

Book As Early as Possible

In many cases, prices will continue to rise as we get closer to a genuine post-pandemic world. If you want to take a vacation once areas have (or nearly have) fully reopened. It’s best to start booking as soon as you can. That way, you can take advantage of the pandemic prices while still traveling when the situation has calmed.

Now, there is no way to know for certain precisely when the pandemic will be over. Vaccine rates could give you some indications, but even that isn’t foolproof. Take a look at your preferred destination and see how it is fairing in regards to infection rates and reopening stages. Then, use that data to estimate when you want to travel.

It’s also smart to look for options that allow you to make changes to your itinerary and don’t charge cancellation or rescheduling fees. That way, if the pandemic heads in an unexpected direction. You can alter your travel plans without having to shoulder extra costs.

Stay Flexible

Regardless of the pandemic, flexibility is your ally when you’re booking travel. Simply moving a flight or hotel reservation by one day, allowing you to travel during a non-peak spot in the week, can result in significant savings.

Similarly, heading one town over from your preferred destination can be incredibly impactful. Skipping popular tourist destinations for cities that have similar features but less interest can also work wonders when it comes to keeping your budget under control.

Unless there is a particular reason to be in a specific place at a precise time, stay open-minded. You may be able to find deals on amazing destinations that usually wouldn’t end up on your radar, allowing you to have a great trip for less.

Ask About Discounts

There are numerous programs and affiliations that can secure you a discount on travel and entertainment. Being a AAA or AARP member is a common one, as well as status as a military service member or veteran. Student discounts are also pretty widespread, and some businesses have even offered essential worker price reductions because of the difference they made during the pandemic.

Ultimately, as you make vacation plans, ask about available discounts. You may be surprised about what’s available, so it’s always worth asking.

Review Destination-Specific Policies

If you are heading out of state or out of the country, make sure you check the COVID-related policies at your destinations. Rules can vary – including when it comes to who can enter an area, what PPE is required, and whether being vaccinated is mandatory – and the requirements can change frequently.

If you aren’t prepared to follow the policies, you may find yourself dealing with some unexpected costs, like having to buy new PPE during your trip even though you had some at home. Worst case, you may be unable to finish your vacation because you aren’t following the rules, potentially leading money spent on reservations or tickets to be lost.

In the end, it’s critical to keep an eye on policies at your destination. That way, you can prepare in advance, ensuring you have everything you need to comply.

Do you have any other tips that can help someone save on their post-pandemic vacation? Share your thoughts in the comments below.

What Is the Minimum Wage In Boise, Idaho

April 7, 2021 By Allen Francis Leave a Comment

Are you planning to move to Boise, Idaho anytime soon? Well, you will have a lot to adjust to when you do. Idaho is a landlocked state located in the northwestern region of the United States. Idaho is bordered by Washington and Oregon to its west, Nevada, and Utah to its south, Montana and Wyoming to its East, and Canada to the north. Just under 230,000 people live in Boise, Idaho. The potato is the state’s number one agricultural cash crop. The potato industry in Idaho was worth over $1 billion in 2020. Idahoans are potato crazy – on New Years’ they drop a giant potato symbol to ring in the new year. And when you eat French fries or tater tots, make sure you ask for “fry sauce,” which is a proprietary mix of ketchup and mayonnaise. Sodas are called “pop,” and not soda. Moving to Idaho could make you an unwitting criminal due to some archaic but unenforced laws. Just in case, don’t ride a merry-go-round carousel on Sundays or give someone a box of candy heavier than 50 pounds. And hating the rock band Nickelback seems to be a civic requirement in the state, so you are warned. Are you still interested in moving there? So, what is the minimum wage in Boise, Idaho?

Before you pack the U-Haul trailer, let’s talk more about the minimum wage in general, the minimum wage in Boise, Idaho, and some other states.

What is a Minimum Wage?

A minimum wage is the municipal, state, or federally required dollar amount that must be paid as a baseline salary for workers.

For example, the minimum wage on the federal level is $7.25. About 29 states have the same minimum wage. However, the federal minimum wage has remained unchanged since July 2009.

What you should keep in mind is that a state or municipal minimum wage can be lower than the federal minimum wage. There are two American states that pay wages a lot lower than $7.25 per hour.

The states of Wyoming and Georgia both pay a minimum wage of $5.15 per hour.

What Is the Minimum Wage in Boise, Idaho?

The minimum wage in Boise, Idaho is the same as the federal minimum wage – currently $7.25 per hour.

State legislation has recently been introduced to raise the minimum wage in Boise, Idaho to at least $15 per hour by 2023. The success of such legislation will not be known for some time.

The cost of living in Idaho is relatively lower than in other states. The typical rent ranges between $900 to $1,300. And you can buy a home for as low as $221,000.

A living wage is the amount of money you would need to make relative to the minimum wage to live a comfortable lifestyle. A single adult with no children would have to make at least $23,000 to $42,000 to live comfortably in Idaho.

If you were single with three children, you would have to make at least $76,000 annually. A household with two heads of household and three children would need to make at least $97,600.

Boise, Idaho is considered one of the most affordable, best, and safest places in the United States to live and raise a family. And Boise, Idaho features mild winters and summer and offers numerous opportunities for outdoor adventures all year round.

If you like peace and quiet, Boise, Idaho may be the right place for you. In some areas, there are less than three people per square mile due to the city’s low population density.

Minimum Wages in Nearby States

The minimum wage in Boise, Idaho is low but could be workable for you since the city has a low cost of living standard. But there are nearby states with higher minimum wages.

The minimum wage in Washington state is $13.69. And the minimum wage in Oregon is $12 per hour. You may want to also look into moving to these two states which also feature a relatively lower cost of living.

The point is that you should save (possibly from apps like SaverLife), create a budget, consider contingencies, investigate employment prospects, and do a lot of planning before you move to a new state.

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Chip Shortage Reduces New Car Production and Sends Used Car Prices Higher

April 4, 2021 By Max Erkiletian Leave a Comment

With Spring in the air and the lure of the open road, you may be thinking of buying a new car. If you are, be sure to buckle up — you are in for a rough financial ride.

A worldwide shortage of semiconductor chips is playing havoc with the manufacture of new vehicles across all brands. More and more automotive plants are closing temporarily due to the shortage.

Used Car Prices Rising

“The auto manufacturers are in a situation where they can’t fill production to capacity,” George Peterson, President of automotive research and consulting firm AutoPacifc told Saving Advice. “At the same time, consumer demand is spiking. So there is a crisis in the supply chain. That means many consumers will move to the used car market. Because of the increased demand, consumers will pay more.”

Used car prices are already moving upward. In the first half of March, wholesale used car prices jumped 3.74 percent, according to the Manheim Used Vehicle Index.

“The latest trends in the key indicators suggest used vehicle values are likely to continue to see appreciation in the days and weeks ahead,” according to Manheim. Leading the way in used vehicle sales are pickup trucks.

New Car Supply

Most dealerships maintain a couple of month’s supply of all current year models. So inventory would not be affected immediately. However, a Wall Street Journal survey found dealers are experiencing inventory reductions. The uptick in sales that usually occurs in Spring and Summer will put more pressure on the supply line.

Meanwhile, manufacturers may be forced to reduce or halt the production of some models in favor of more popular ones, according to Peterson. In that case, high-profit vehicles, such as pickup trucks and SUVs will be prioritized.

Car and Driver has predicted that one million fewer cars will be manufactured in the first quarter of 2021. Already, manufacturers have announced reductions totaling 680,350. The result, according to the magazine, will be a loss of $61 billion dollars to the industry worldwide.

History Repeats Itself

We have seen this before, says Peterson. In 2020, many automotive plants closed for various periods of time. The reason for the closures then was COVID-19. Chip producers decreased production and shifted supply to other customers. When auto production ramped up again, there were fewer chips available.

Along with the shortage, the automobile industry has increased its use of semiconductor chips. As many as 100 can be found in some vehicles. They are used in everything from Bluetooth, engine management systems, road navigation, and collision detection systems.

That makes cars more expensive. Semiconductors make up around forty percent of the cost of a new car, according to consulting firm Deloitte.

Possible Surge in Used Lease Cars

With the reduction in new car production, as Peterson says, consumers are more likely to turn to used cars. Fortunately, there may be a ready supply.

“Top of the line car sales three years ago totaled about 16 to 17 million,” says Peterson. “About 40 to 50 percent of those cars were lease cars and they are coming off lease, so there is a good supply of quality used cars coming on to the market.”

However, any potential buyer will be able to find out the approximate cost of the selected used car. To do this, they just need to order a vehicle history report.

Some Manufacturers Reducing Chips

“GM is shipping some of their trucks without components that aren’t essential to safety or operation,” says Peterson.

General Motors decided to ship some Chevy Silverados and GMC Sierras without a nonessential chip. The decision results in a drop of one gallon per mile in fuel economy.

“When you’re trying to sell vehicles,” says Peterson, “fuel efficiency becomes less important.”

Is There an End in Sight?

No one has set a date for when they see the chip shortage ending and automobile production returning to normal.

Manufacturers are scrambling for chips and chip producers are expanding operations. But building a new plant and getting it into production takes considerable time.

In the meantime, the semiconductor industry will face more strain in the future. Automobile companies are continually creating more tech-heavy vehicles. With the push to electric vehicles leading the way.

A Government Call to Arms

President Joe Biden has responded to the chip crisis with a call for money and action.

Wednesday, Biden called on Congress to authorize $37 billion to stimulate semiconductor chip manufacturing in the United States. In addition, the president signed an executive order to address the shortage.

“I’m directing senior officials in my administration to work with industry leaders to identify solutions to the semiconductor shortfall,” Biden said on Wednesday. “Congress has authorized a bill but they need $37 billion to make sure that we have this capacity. I’ll push for that as well.”

Biden was referring to the $37 billion needed to fund provisions of the National Defence Authorization Act. The law is aimed at boosting semiconductor chip manufacturing in the United States. However, Congress is yet to fund the legislation.

The executive order kicks off a 100-day review of supply chains for semiconductor chips as well as electric car batteries, rare earth minerals, and pharmaceuticals.

The president met with a bipartisan group of lawmakers Wednesday, before his televised remarks.

American semiconductor companies account for 47 percent of chip sales globally. However, only about 12 percent of chip production is done in the United States, according to the Semiconductor Industry Association.

Conclusion

The semiconductor chip shortage will be with us for an indefinite period of time. Scarcity drives prices higher. As a result, vehicles and many other products that use chips will cost more until the shortfall is resolved.

If there is a silver lining, it looks like the White House, Congress and the semiconductor industry are on the same page.

Weekly Wrap: Vaccine Passport Coming As Scams, Car Prices, IPOs All Trend Up

April 3, 2021 By Max Erkiletian Leave a Comment

One old dirty trick is still with us. However, other financial matters are changing quickly. Check out this week’s financial wrap.

Tax and Social Security Scammers Add to Their Bag of Tricks

The phone rings. Caller ID shows a Washington, D.C. number. You answer and an official-sounding recording says you are in trouble with the Internal Revenue Service (IRS). Or, your social security number has been used in criminal activity. You need to respond quickly.

You are on your way to losing money to a scam artist if you obey the instructions.

“Consumers reported losing more than $3.3 billion to fraud in 2020, up from $1.8 billion in 2019,” states a report from the Federal Trade Commission. “Nearly $1.2 billion of losses reported last year were due to imposter scams, while online shopping accounted for about $246 million in reported losses from consumers.”

Expanding Fraud Opportunities

The IRS and social security scams have been around for years. But now the same techniques are being used to take advantage of fraud related to COVID-19.

The crimes include stealing unemployment benefits, stimulus checks, fake COVID treatments, and bogus charities.

Formula for Fraud

The tried and true template for all these frauds is the IRS phone fraud. Although it can and has been carried out with texts and emails.

With IRS phone fraud, you get a call like the one detailed above. Fear is a big part of the scheme’s success.

The call seems official because it comes from a Washington, D. C. number. However, scammers spoof calls. That is where false information is used to make the call appear to come from a legitimate source. Some phone providers even offer spoofing services that work like prepaid calling cards.

The Call Is Not From the Government

“Government agencies like the Internal Revenue Service (IRS) or the Social Security Administration (SSA) won’t call, text, or email you out of the blue to demand payment right away,” writes FTC Attorney Emily Wu in an agency blog post.

The IRS Confirms Wu’s Assertion

“The IRS doesn’t initiate contact with taxpayers by email, text messages or social media channels to request personal or financial information,” the service says.

To help consumers, the IRS has posted a list of current scams.

To report a scam call, email or text, contact the FTC.

Here is how the FTC suggests you handle a government imposter call.

Here’s Why Your Next Car (New or Used) Will Cost More

You may have heard semiconductor chips are in short supply. The chip drought will short circuit any ideas you had about getting a bargain on your next car.

Semiconductors make up around forty percent of the cost of a new car, according to consulting firm Deloitte. Without them, modern automobiles can not function properly. Auto manufacturers around the world have slowed production as a result of the shortage. That means fewer new cars are coming to market.

Check out Saving Advice’s look into the semiconductor shortage and the impact it will have on your wallet. Our special cover will be available in Sunday’s edition.

IPOs Continue To Boom, SPACs Bust As Opportunity Opens for Small Investors

The surge in IPOs that began last year has charged into 2021 and is rising. Meanwhile, small investors are able to join the stampede.

Companies raised $174 billion on 494 offerings in 2020, according to FactSet, a financial data and software company.

“In aggregate, IPOs raised $174 billion in 2020, a 150% increase over 2019,” according to FactSet.

The number of companies raising over $1 billion set a record at 28. DoorDash and Airbnb both exceeding $3 billion.

IPO Market Off to a Strong Start in 2021

This year is shaping up as an IPO tsunami. Through mid-March, 302 IPOs have raised 102.3 billion, according to Dealogic.

SPACs Go Splat

The only sour note is the recent downturn in Special Purpose Acquisition Companies (SPAC).

SPACs are often called “blank check” companies. They are shell companies. These companies raise money through a stock offering to invest in other companies.

SPACs joined in the IPO surge last year. They now have an estimated $1 trillion in buying power, according to Business Insider. However, average SPAC returns are minus 34 percent between January 2019 and June 2020. Many are trading below their IPO price. Consequently, the market seems to be cooling.

Democratization

IPOs have long been reserved for wealthy and institutional investors. However, SoFi is trying to change that. The investment company is offering IPOs to clients with $3,000 or more in their account. Robinhood is planning to do something similar.

Vaccine Passports Are Coming

Soon, you may be asked to show your passport when you attend public events. No, not that passport. The one showing you have been vaccinated against COVID-19.

The Biden Administration is considering “vaccine passports”. These credentials would be displayed on free smartphone apps or printed.

The White House, various tech companies, local governments, and universities in the United States are trying to develop a credentials plan.

Global Effort

Internationally, the World Health Organization (WHO) is exploring vaccination passport ideas.

Several airlines are testing a digital travel pass developed by the International Air Transportation Association.

The European Commission is contemplating a “digital green certificate”. The voucher would be for travel within the European Union. It would be proof of vaccination, a negative COVID test, or a previous infection.

Everybody Has a Plan

Countries and organizations are researching or have announced plans to implement vaccination passports.

Israel is developing a “green pass” to travel. In Demark, a “Coronapas” will be required to enter hair salons, movie theaters, and restaurants, according to the BBC. Meanwhile, Sweden, Estonia, and Greece are also considering issuing vaccine passports.

Standardization

The potential for chaos is great.

The Federal Health IT Coordinating Council cited the need for one coordinated plan to avoid confusion.

The council stressed that “A chaotic and ineffective vaccine credential approach could hamper our pandemic response,” The Washington Post reported.

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