GBI 13 - glass bull INDEX

 Introducing the Glass Bull Index GBI 13, Your essential daily index  to the 13 vital rates that shape America's financial landscape. Inspired by the powerful yet fragile symbolism of a glass bull, this index is specially designed for investors large and small who require clarity and confidence in their financial decisions. 

The Glass Bull epitomizes market confidence, but just like glass, it can crack under pressure—when too many of these key rates weaken, even the strongest portfolios risk shattering. The Glass Bull Index uniquely brings together primary key economic signals that let you spot vulnerabilities before they break, giving you protection and foresight unlike anything else.

Developed by Steve Monahan, former Senior VP  Director at Deutsche Bank NA Financial Services. The Glass Bull Index reflects profound market experience and a commitment to helping you stay secure in today's uncertain times.

 GBI 13  - KEY RATE INDEX

1. Federal Funds Rate: Set by the Federal Reserve, this is the base rate that influences virtually all other rates in the economy. It drives lending, consumer borrowing, and market sentiment.
2. Prime Rate: This is what banks charge their most creditworthy clients, and serves as the benchmark for many consumer loans, credit cards, and mortgages. Most rates for everyday consumers move in relation to the prime rate.
3. Credit Card Rates: Typically variable and set as a margin above the prime rate, reflecting consumer borrowing cost.
4. Car Loan Rates: Shows trends in consumer spending and access to vehicle financing.
5. Mortgage Rates: Both fixed and adjustable rates matter for housing market health and consumer financial stress.
6. Personal Loan Rates: These reflect credit risk and consumer confidence in borrowing.
7. Home Equity Loan/Line Rates: Often indexed to prime rate, tracks real estate wealth and household leverage.
8. 11th District Cost of Funds Index (COFI): Used as a benchmark for adjustable-rate mortgages in some regions, it’s a reflection of underlying bank costs.
9. Federal Discount Rate: Rate charged by Federal Reserve Banks to commercial banks for short-term loans. It moves closely with Fed Funds Rate but signals bank lending trends.
10. Certificate of Deposit (CD) and Money Market Rates: Indicates savings yields and risk-free return expectations.
11. Treasury Yields (e.g., 10-year): Benchmark for long-term rates, mortgages, and global capital flows
12. Student Loan Rates: Impacts education financing and household formation
13. Small Business Loan Rates: Reflect access to capital for entrepreneurship and growth

In Closing 

Every day, the Glass Bull Index, GBI 13  empowers you to watch the strength—or fragility—of the market bull. By tracking these 13 rates, you’ll see warning signs appearing that others won't before cracks appear, helping you be ahead of the pack to safeguard your investments from sudden cracks and serious shocks. 

Remember: private or corporate, individual or professional all investors benefit from knowing when the Glass Bull risks shattering. Follow the Glass Bull Index, crafted by industry veteran Steve Monahan, and be prepared, and ready to defend your financial future against unseen risks. 

GBI 13  isn’t just unique—it’s a must-follow for those who value smart, proactive informed investing. Steve Monahan, CEO Glass Bull Index - GBI 13.