PFS Advisors- Jeffrey A. Polanco

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PFS Advisors- Jeffrey A. Polanco

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Jeff works with pre-retirement and retired clients to help them maximize their investment, income, tax and legacy goals.

10/16/2026

The Big Mac Index turns forty this year. Forty years old and still fun to explain at parties. Check out what this classic burger can tell us about the purchasing power of our dollar.

10/15/2026

A carton of milk 🥛. A set of golf clubs ⛳. A bottle of perfume 🌸. All three just got pricier to send north into Canada. 🍁

Canada's new tariffs on $20 billion in American goods took effect this week, ranging from 15 to 50 percent depending on the product.

It's the latest move in a trade dispute that's dragged on for more than a year between two of the world's largest trading partners.

The ripple effects won't directly affect most household budgets. But they're a reminder that global headlines and everyday costs are more connected than they seem.

That connection, and what it might mean for your own situation, is exactly the kind of thing we're keeping an eye on for you.

Source: https://www.cbsnews.com/news/canada-retaliatory-tariffs-us-goods-milk-perfume-golf-clubs-trump/

10/14/2026

Treasury yields pulled back from their recent highs after a strong auction eased some concerns about demand for government debt.

The 10-year Treasury yield climbed as high as 5.35%, its highest level since 2002, before easing following the Treasury's sale of $39 billion in 10-year notes.

Demand at the auction was stronger than average, particularly from indirect bidders such as global central banks, which accounted for 80.3% of the sale, compared with a 10-auction average of 72.4%.

The broader backdrop is still one of elevated yields, with investors weighing persistent inflation, rising energy prices, and expectations that the Federal Reserve may raise rates again before year-end.

For now, the auction offered a little reassurance that demand for longer-term Treasurys remains strong even as yields sit near multidecade highs.

Source: https://www.cnbc.com/2026/10/07/treasury-yields-auction-fomc-minutes.html

10/03/2026

🌴 More Americans are deciding that enjoying life now matters just as much as making financial progress for later.

A recent SoFi survey found that 72% of Americans would be willing to make slower progress toward their financial goals so they can spend more time with family, travel more, and prioritize meaningful experiences.

That doesn’t necessarily mean abandoning long-term goals. In fact, 59% of respondents said enjoying life is how they define financial progress, compared with 27% who pointed to owning a home.

The challenge is finding a balance between what matters now and what matters later. ✈️ That can mean making room for a vacation, concert, or family event while still keeping an eye on retirement savings and debt.

But charge that trip to a credit card and carry a balance, and interest can turn a two-week memory into a much longer bill.

What does financial progress look like to you: reaching the next milestone, enjoying more of life now, or some mix of both?

Source: https://www.cnbc.com/2026/09/23/lifemaxxing-financial-goals-spending-saving.html

09/20/2026

👔 August brought another month of job growth, but the pace was slower than expected.

Private employers added 38,000 jobs, below the 47,000 economists had forecast and down from 46,000 in July. It was the smallest monthly gain since January.

Most of the growth came from just a few areas. 🏢 Education and health services added 45,000 jobs, while leisure and hospitality added 16,000 and construction added 12,000. Manufacturing moved the other way, losing 17,000 jobs.

Pay growth held steady, with base pay for workers staying in their jobs up 3% from a year earlier.

Hiring remains positive, but the latest numbers indicate a labor market that’s growing more slowly and unevenly across industries.

Source: https://www.cnbc.com/2026/09/02/private-payrolls-rose-by-38000-in-august-fewer-than-expected-adp-reports.html

09/19/2026

📦 Wholesale prices moved higher in August, with the Producer Price Index rising 0.4% for the month, right in line with expectations.

On an annual basis, headline PPI was up 5.4%, while core PPI, which excludes food and energy, rose 0.2% for the month.

Energy was one of the biggest drivers. ⚡ Final demand energy prices increased 4.2%, while goods prices overall rose 1.1%. Services prices increased just 0.1%.

The latest report adds another piece to the inflation picture as the Federal Reserve weighs its next interest-rate decision.

For consumers and businesses alike, wholesale price trends are worth watching because they may eventually show up in the cost of everyday goods and services.

Source: https://www.cnbc.com/2026/09/10/ppi-inflation-report-august-2026.html

09/18/2026

AI & You in 2027

09/17/2026

Inflation is still running above the Federal Reserve’s 2% target.

The Fed’s preferred inflation gauge, the personal consumption expenditures price index, rose 0.2% in July and 3.7% from a year earlier. Core PCE, which strips out food and energy prices, increased 3.3% annually.

The report also showed personal income rose 0.4% while spending increased 0.2%.

For consumers, that means price pressures haven’t disappeared, even as some categories, including gasoline and other energy-related goods, moved lower during the month.

With inflation still elevated, the latest numbers may remain an important part of the Fed’s upcoming interest-rate discussions.

Source: https://www.cnbc.com/2026/08/26/feds-preferred-inflation-gauge-shows-core-prices-rose-3point3percent-annually-in-july.html

09/16/2026

The price you see on the shelf may not be the exact amount you pay at checkout.

With penny production ended, some merchants have started rounding cash purchases up or down to the nearest nickel. Depending on the total, that could mean a few cents more or a few cents less.

Paying by credit card may come with another wrinkle. Some retailers and service providers are adding surcharges to help offset card processing costs, which may increase the final price.

That means the same purchase could cost slightly different amounts depending on whether you use cash, debit, or credit.

Before you pay, take a second to compare the total for cash, debit, and credit so you know which option makes the most sense for that purchase.

Source: https://www.cnbc.com/2026/08/26/cash-rounding-credit-card-surcharges-penny-production-ends.html

09/14/2026

Inflation moderated slightly in July, but some categories are still putting pressure on household budgets.

The consumer price index rose 3.4% from a year earlier, down from 3.5% in June.

Energy remained one of the biggest drivers. Energy prices were up 14.7% over the past year, while gasoline prices rose 24.6%.

Airline fares also increased sharply, rising 25.5% year over year.

Other everyday expenses showed more modest changes. Food-at-home prices rose 2.7%, rent of primary residence increased 2.9%, and core CPI, which excludes food and energy, rose 2.5% from a year earlier.

Some categories moved lower. Used cars and trucks fell 1.9%, motor vehicle insurance declined 4.5%, and medical care commodities dropped 2.7%.

The broader takeaway: inflation is not one single number. It can look very different depending on what households buy, where prices are rising, and which expenses matter most month to month.

Source: https://www.cnbc.com/2026/08/12/inflation-breakdown-for-july-2026-cpi-in-one-chart.html

Address

Poughkeepsie, NY
12590

Telephone

+18453926394

Website

http://pfsadv.com/

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