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DAILY NEWS 24ECONOMY · CONSUMER MARKETS
Retail

How the Consumer Price Index Is Actually Calculated

The CPI is built from about 94,000 monthly price quotes weighted by household spending surveys, and its known limits — substitution, coverage, shelter lag — are published with it.

Core CPI Rose 2.5% Year Over Year in July
Markets

Core CPI Rose 2.5% Year Over Year in July

The Bureau of Labor Statistics' core inflation gauge, which excludes food and energy, climbed 0.2% for the month and 2.5% from a year earlier in the July 2026 report.

Federal Law Sets a Five-Year Floor on Gift Card Expiration
Retail

Federal Law Sets a Five-Year Floor on Gift Card Expiration

A 2009 amendment to the Electronic Fund Transfer Act, enforced through Regulation E, bars most store and prepaid gift cards from expiring in under five years and caps dormancy fees, with carve-outs shoppers rarely see printed on the card.

BLS Prices Nearly 80,000 Items to Build the CPI
Economy

BLS Prices Nearly 80,000 Items to Build the CPI

The Consumer Price Index comes from monthly price checks on roughly 80,000 items across dozens of U.S. areas, weighted by a separate survey of household spending.

Owners' Equivalent Rent Carries 25.8% of the CPI
Economy

Owners' Equivalent Rent Carries 25.8% of the CPI

A quarter of the U.S. consumer price index tracks a rent no homeowner pays. Here is how the Bureau of Labor Statistics builds the number, and why it lags market rents.

Flow diagram of ETF creation and redemption arbitrage loop
Markets

ETF vs. Index Fund: The Mechanics That Differ

Both track an index cheaply, but one trades all day through a stock exchange and the other prices once — and the plumbing behind that difference explains spreads, taxes, and flash crashes.

Markets

More in Markets →
Chart of high-yield spread cycles with recession shading
Markets

Credit Spreads as a Recession Indicator

The gap between corporate bond yields and Treasuries prices default risk — and widening credit spreads have called downturns the equity market missed.

Trader analyzing options flow on multiple monitors at night
Markets

What the Put-Call Ratio Signals

Volume in puts divided by volume in calls is sentiment in one number — and it is a contrarian indicator at the extremes, when there is no one left to convert.

Six foreign banknotes arranged around one dollar bill
Markets

How the Dollar Index Works

The DXY weighs six foreign currencies — over half of it the euro — which makes it a useful benchmark and a misleading one at the same time.

Retail

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U.S. map of store-count growth by chain over two decades
Retail

Dollar Store Expansion Economics

Dollar General and Dollar Tree grew to over 40,000 U.S. stores on small-basket, low-cost arithmetic — and hit the model's ceiling when the customer ran out of money.

Retail

Buy Online, Pick Up In Store, Explained

BOPIS turns the store into the fulfillment node — cheaper than delivery for the retailer, faster for the shopper, and the rare e-commerce feature where both sides win.

Retail

Why Retailers Close Stores: The Lease Math

A store is a stream of sales against rent, labor, and occupancy costs with a lease running years past the decision — and the lease's structure decides when closing pays.

Finance

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37% Top Tax Bracket Doesn't Apply to All Income
Finance

37% Top Tax Bracket Doesn't Apply to All Income

IRS Revenue Procedure 2025-32 sets the 2026 federal income tax brackets, and the mechanism behind them trips up more taxpayers than the numbers themselves.

Stacked diagram of ownership categories under one insurance limit
Finance

How Deposit Insurance Limits Work

The $250,000 limit applies per depositor, per bank, per ownership category — a rule that legally multiplies coverage across accounts and is routinely misread.

Finance

How Bank Failures Get Resolved by the FDIC

When a bank fails, the FDIC takes it over by Friday night and reopens it Monday under a buyer — depositors' experience of the process is usually a weekend of headlines.

Finance

How Grace Periods and Balance Transfers Work

The grace period makes card interest optional for full payers; the balance transfer makes it negotiable for revolvers — both are rules written in the disclosure, not favors.

Business News

More in Business News →
Capital structure stack of debt and equity in an acquisition
Business News

Why Companies Go Private in Leveraged Buyouts

An LBO buys a public company with its own borrowed future cash flow — the arithmetic works when debt is cheap, the business is stable, and the exit door is open.

Business News

Core CPI Climbed 2.5% in July, Excluding Food and Fuel

Core inflation strips out food and energy to track the underlying trend. Here is what it measures, how it differs from headline CPI, and why the Federal Reserve tracks a different index entirely.

Business News

Dividend Yield vs. Dividend Growth

The yield tells you what the stock pays now; the growth rate tells you what it will pay later — and the second number decides whether a high yield is income or a trap.