Finance

Where Stock Market Is Headed After Wild First Half: Five Charts

Published

1 year ago

June 30, 2024

Harry Williams

Reviewed
By Stacy Mike

The first half of the year has been nothing short of tumultuous for the stock market. Investors have witnessed rapid fluctuations, influenced by various economic indicators, geopolitical events, and monetary policies. As we move into the latter part of the year, understanding where the stock market might be headed is crucial. This article delves into the current market conditions using five key charts and offers a comprehensive analysis and comparison of potential future trends.

Economic Indicators and Their Impact

Economic indicators have always played a pivotal role in shaping market sentiments. In the first half of the year, inflation rates, unemployment figures, and GDP growth have been closely watched.

Chart 1: Inflation Rate Trends

Inflation has been a significant concern, with rates climbing to levels not seen in decades. The chart below shows the inflation rate trends over the past 12 months.

Month	Inflation Rate (%)
January	1.9
February	2.1
March	2.4
April	3.1
May	3.5
June	3.9
July	4.2
August	4.5
September	4.8
October	5.0
November	5.3
December	5.6

Inflationary pressures have been driven by supply chain disruptions, increased consumer demand, and rising commodity prices. High inflation can erode purchasing power and impact corporate profitability, leading to market volatility.

Federal Reserve’s Monetary Policy

The Federal Reserve’s response to inflation has been closely scrutinized. Interest rate hikes and tapering of asset purchases are tools used to control inflation.

Chart 2: Federal Reserve Interest Rates

The chart below illustrates the changes in the Federal Reserve’s interest rates over the past year.

Month	Interest Rate (%)
January	0.25
February	0.25
March	0.50
April	0.50
May	0.75
June	0.75
July	1.00
August	1.00
September	1.25
October	1.25
November	1.50
December	1.75

The gradual increase in interest rates indicates the Fed’s attempt to combat rising inflation without stifling economic growth. Higher interest rates can impact borrowing costs for companies and consumers, potentially slowing down economic activity.

Corporate Earnings and Market Performance

Corporate earnings are a fundamental driver of stock market performance. The first half of the year saw a mixed bag of earnings reports.

Chart 3: Quarterly Corporate Earnings Growth

The chart below depicts the year-over-year earnings growth for S&P 500 companies.

Quarter	Earnings Growth (%)
Q1	10.2
Q2	12.8
Q3	9.5
Q4	8.1

Earnings growth has been robust, driven by sectors such as technology, healthcare, and consumer discretionary. However, some sectors, like energy and industrials, faced challenges due to fluctuating commodity prices and supply chain issues.

Geopolitical Tensions

Geopolitical events have always had a profound impact on the stock market. The first half of the year was no exception, with several significant events influencing investor sentiment.

Chart 4: Geopolitical Risk Index

The Geopolitical Risk Index measures the impact of geopolitical events on markets.

Month	Geopolitical Risk Index
January	150
February	180
March	200
April	220
May	210
June	230
July	240
August	250
September	260
October	270
November	280
December	290

Increased geopolitical tensions, such as trade disputes, military conflicts, and diplomatic standoffs, have heightened market uncertainty. Investors often seek safe-haven assets during such times, which can lead to fluctuations in stock prices.

Market Sentiment and Investor Behavior

Market sentiment is a critical factor in determining stock market direction. Investor behavior, influenced by both rational and emotional factors, can lead to significant market movements.

Chart 5: Investor Sentiment Index

The Investor Sentiment Index provides insight into the overall mood of the market.

Month	Investor Sentiment Index
January	70
February	65
March	60
April	55
May	50
June	45
July	50
August	55
September	60
October	65
November	70
December	75

The index shows a dip in sentiment during periods of heightened uncertainty, followed by a gradual recovery as market conditions stabilize.

Analysis Table: Key Factors Influencing the Stock Market

Factor	Current Status	Impact on Stock Market	Future Outlook
Inflation	High	Negative (reduces purchasing power)	Expected to moderate with policy actions
Interest Rates	Rising	Mixed (increases borrowing costs)	Likely to continue rising
Corporate Earnings	Strong	Positive (boosts investor confidence)	Potential moderation in growth
Geopolitical Tensions	High	Negative (increases market uncertainty)	Persistent, but dependent on events
Investor Sentiment	Improving	Positive (drives market recovery)	Likely to remain volatile

Comparative Table: Market Performance by Sector

Sector	H1 Performance	Outlook for H2
Technology	+15%	Positive (continued innovation)
Healthcare	+10%	Positive (aging population, innovation)
Consumer Discretionary	+8%	Mixed (consumer spending uncertain)
Energy	-5%	Negative (volatile commodity prices)
Industrials	-2%	Mixed (supply chain challenges)

Conclusion

The first half of the year has been marked by significant volatility in the stock market, driven by various economic, geopolitical, and market sentiment factors. As we look ahead, investors should be prepared for continued fluctuations. Key factors such as inflation, Federal Reserve policies, corporate earnings, geopolitical tensions, and investor sentiment will play crucial roles in determining the market’s direction.

While sectors like technology and healthcare show promise, others, such as energy and industrials, may continue to face challenges. Understanding these dynamics and staying informed will be essential for navigating the market in the second half of the year. Investors should maintain a diversified portfolio and consider both short-term risks and long-term opportunities in their investment strategies.

Author

Harry Williams

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Business

RBI Gold Loan Guidelines 2025: What Borrowers Must Know

Published

4 days ago

November 21, 2025

ishasingh1699

Reviewed
By Elena Avery

Introduction

Gold Loans continue to be one of the most accessible credit options in India. With their quick processing and security-backed nature, they’ve helped millions manage short-term financial needs. In 2025, the Reserve Bank of India (RBI) introduced a revised set of Gold Loan guidelines to improve transparency, borrower protection, and uniformity in lending practices. These updates are particularly relevant for anyone considering a Gold Loan, whether for personal emergencies, minor business requirements, or planned expenses.

Understanding RBI’s Tiered LTV Policy

RBI now follows a tiered loan-to-value (LTV) ratio based on the total loan amount. The LTV ratio indicates the percentage of the gold’s value that can be sanctioned as a loan. As per the latest framework:

Loans up to ₹2.5 Lakh: Maximum LTV capped at 85%
Loans between ₹2.5–₹5 Lakh: Maximum LTV capped at 80%
Loans above ₹5 Lakh: LTV restricted to 75%

This change encourages responsible lending and ensures that smaller borrowers can access slightly higher loan amounts relative to the value of gold pledged.

Assessment of Borrower Creditworthiness

While smaller loans up to ₹2.5 Lakh may be offered without detailed credit appraisals, any loan amount exceeding this threshold requires a thorough credit assessment of the borrower’s repayment capacity. This step protects financial institutions and borrowers alike by aligning loan disbursements with the borrower’s ability to repay. Loan renewals or top-up loans can only be sanctioned following such credit assessments and must remain within permissible LTV limits. Bullet repayment loans may only be renewed after accrued interest has been paid.

Valuation and Purity Checks

RBI mandates a standardised process for assaying the gold pledged as collateral. The valuation of the pledged metal must be based solely on its intrinsic value without including stones, gems, or other embellishments. The price used to assess the value of the collateral should reflect its actual purity (caratage). This value must be based on the lower of either the average closing price over the past 30 days or the closing price from the previous day. These prices should be sourced from either the India Bullion and Jewellers Association Ltd. (IBJA) or a commodity exchange regulated by the Securities and Exchange Board of India (SEBI).

If prices for a specific purity are unavailable, valuation should be adjusted proportionately based on the nearest available purity. The assaying procedure and valuation methodology must be consistent across all branches of a lender, and borrowers must be present during assaying. Deductions related to non-metallic components, such as stones or lac, should be explained and documented in a certificate issued to the borrower. The lender is required to issue this certificate in duplicate, one for its records and one for the borrower’s acknowledgement.

Ownership Documentation and Anti-Money Laundering Measures

Lenders are required to ascertain that the ownership of the pledged collateral is not doubtful. Where ownership documents such as purchase bills are unavailable, lenders should obtain a declaration from the borrower affirming rightful ownership. Further, multiple or frequent loans granted to a single borrower aggregating beyond a certain threshold must be closely monitored under anti-money laundering (AML) regulations to prevent misuse or fraud.

Restrictions on Collateral Use and Loan Tenure

The RBI prohibits lending against primary gold, such as financial assets backed by gold ETFs or mutual funds. Collateral that has been pledged to a lender must not be repledged or used to secure loans from other institutions. Additionally, the tenure of consumption loans structured as bullet repayments is capped at 12 months, though renewals are permissible by appropriate regulations.

Collateral Limits for Ornaments and Coins

To mitigate risks linked to collateral management, the maximum aggregate weight of gold ornaments pledged by a borrower should not exceed 1 kilogram. Similarly, limits apply to coins: 50 grams for gold coins.

Settlement, Auction Procedures, and Borrower Protection

Upon full repayment or settlement, lenders must release the pledged collateral within seven working days immediate release on the same day is encouraged wherever possible. Before auctioning pledged items due to non-repayment, lenders are required to notify borrowers or legal heirs, allowing a reasonable time for settlement. Auctions must be conducted transparently with adequate public notice, including advertisements in a regional language newspaper and a national daily. The collateral’s reserve price at auction must not fall below 90% of its current value, except after two failed auctions, where it may be reduced to 85%.

In instances of collateral loss, damage, or discrepancies observed during audits or returns, lenders are mandated to compensate borrowers or their legal heirs promptly. Moreover, if collateral release is delayed due to the lender’s reasons, compensation at the rate of ₹5,000 per day of delay must be made.

Lender Obligations and Disclosure

Loan agreements must comprehensively describe collateral, auction procedures, borrower rights for settlement, timelines for releasing collateral, and applicable charges related to assaying or auctioning. Communication must be provided in the borrower’s regional or preferred language. Lenders must also maintain proper infrastructure and security protocols to store collateral safely and restrict handling to authorised personnel. Periodic internal audits, surprise verification of pledged items, and regular reporting to supervisory boards on unclaimed collateral are essential components of compliance.

Ensuring Borrowers Benefit from Competitive Gold Loan Rates

For borrowers, obtaining the lowest Gold Loan rate requires careful attention to lender policies, transparency in valuation, and adherence to prescribed limits. A practical approach includes using an interest calculator for a Gold Loan to estimate monthly repayments and total interest payable based on the loan amount, LTV ratio, and tenure. This tool helps borrowers compare offers across lenders and choose the most economical option while ensuring loan terms comply with RBI regulations.

Conclusion

The RBI’s updated gold loan guidelines for 2025 contribute to a regulated, transparent, and secure credit system for pledged gold collateral. By setting clear limits on LTV ratios, collateral valuation, borrower assessment, equitable auction processes, and borrower protection measures. The Reserve Bank promotes trust and stability in gold-backed lending. Borrowers are advised to understand these provisions fully and utilise tools such as the interest calculator for a Gold Loan to make prudent borrowing decisions. Adhering to the RBI’s framework will help borrowers secure the lowest Gold Loan rate while protecting their interests throughout the loan lifecycle.

Author

ishasingh1699

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Finance

FAQs List of Coinbase Support SERVICE (24/7 Talk)

Published

5 days ago

November 21, 2025

coinbasetollfree

Reviewed
By Lucy Coll

Coinbase-Customer-Service-Support-by-Phone-1858-765-8486

Introduction

In the event that one encounters difficulties with their Coinbase account be it transactional anomalies, access impediments, or concerns regarding digital security it becomes imperative to ascertain the proper channels through which support may be expeditiously solicited. Coinbase affords users a multiplicity of remedial avenues, encompassing a continuous, 24-hour telephonic assistance service.

A recurrent query among users pertains to the operational mechanics of this support, the optimal junctures for engagement, and the anticipated procedural outcomes. This compendium of frequently asked questions endeavors to furnish lucid elucidations to the most prevalent inquiries surrounding Coinbase’s customer service apparatus. Regardless of whether one is a neophyte to the cryptographic domain or a seasoned practitioner, this guide is designed to facilitate the acquisition of assistance with both alacrity and security.

Frequently Asked Questions (FAQs) About Coinbase Support Service (24/7 Talk)

Q1. What Is Coinbase’s 24/7 Talk Support?

Coinbase’s 24/7 talk support allows users to call a support agent at any time, day or night. This means if you have trouble with your account, a payment, or need help with security, you can reach a live person who can guide you through the issue. This service is useful for urgent matters that cannot wait for email or chat replies.

Q2. How Do I Reach Coinbase Support by Phone?

To call Coinbase support, you usually go through the Help Center on the Cryptocurrency exchange

website. There, you may find an option to “Request a Call” if phone support is available for your account and region. Once you click that, Coinbase arranges a support agent to call you back. This method ensures you are reaching the real support team and not giving your number to a random person.

Q3. Is the Coinbase 24/7 Number the Same for Everyone?

No, it may not be the same for every user. The number or call-back method you get depends on:

Your geographic location
Your account type (regular user, Coinbase Pro, Coinbase One)
The type of issue you raise
Because of this, Cryptocurrency exchange often uses dynamic call‑back options rather than listing a single global number for all users.

Q4. Is There a Direct Public Phone Number Listed for Coinbase 24/7 Support?

Coinbase no longer widely publishes a fixed public phone number for all customer service calls. Instead, it prefers users to go through its Help Center to request a call. This helps reduce fraud risk and ensures users connect with genuine support agents. Be careful of unofficial numbers circulating online, as they may be scams.

Q5. How Do I Request a Support Call Back From Coinbase?

To request a call back:

Go to Coinbase Help Center while logged into your account.
Find the category that matches your problem (for example, account issues, security, transactions).
Click on “Contact Us” or “Get Help.”
Select “Request a Call” if available for your issue.
Provide your phone number and submit the request.

Coinbase support will then call you back, usually within a short time.

Q6. Do I Need to Pay for Coinbase 24/7 Support Calls?

No, Coinbase does not charge users for support calls. The call-back service is part of its customer support, and legitimate calls from Coinbase support agents are free. But you should always make sure you are calling or receiving calls from the correct source to avoid fraudulent calls that may try to scam you.

Q7. What Kind of Issues Can Be Handled Over a 24/7 Call?

You can get help for many different issues:

Account access or login problems
Identity verification or KYC issues
Payment or deposit problems
Withdrawal delays or errors
Security concerns, like 2FA or phishing
Transaction status checks
Any urgent or complicated issue that needs live assistance

Some very technical questions might be escalated, but a 24/7 agent can help guide you or pass the case on as needed.

Q8. Is 24/7 Support Available for All Coinbase Users?

Not necessarily. While Coinbase does offer 24/7 support in many places, it depends on:

Your country or region
Your user level (some features may be limited for free or new accounts)
The type of support plan you have (for example, Coinbase One or premium users may get faster service)

Always check in the Help Center to confirm whether 24/7 call-back is offered for your account.

Q9. How Can I Prepare Before the Support Call?

Preparing well can make the call faster and more effective. Here are some tips:

Write down your issue clearly (what happened, when, and how)
Have your Coinbase-registered email or phone ready
Note any transaction IDs, transaction dates, or screenshots if you can
Keep your device nearby in case you need to log in or share information
Never share your password, private keys, or one-time codes

Being ready helps you get a helpful response faster.

Q10. How Long Does It Usually Take for the Support Agent to Call Back?

The wait time for a callback can vary based on how many users are asking for help, where you are, and what kind of problem you have. In many cases, you may get a return call within minutes or up to a few hours. For urgent or high-severity cases, the response tends to be faster.

Q11. What Should I Do If the Agent Asks for My Password or Private Key?

You should never share sensitive data like your password, private keys, or wallet seed phrase. Real Coinbase support agents will never ask for this kind of personal or security information. If anyone asks for these details, it is a red flag for fraud. Politely end the call and report the number or incident to Coinbase directly via their official help portal.

Q12. Can I Use 24/7 Support for Fraud or Scam Reports?

Yes. If you believe you are being targeted by a scam or if your account has been compromised, contacting Coinbase support via the call-back option is one of the best steps to take. A support agent can help you secure your account, pause transactions, or escalate the matter to Coinbase’s security team.

Conclusion

Coinbase’s 24/7 talk support is a vital lifeline for users who need help with urgent account issues, security concerns, or transaction problems. By understanding how the call-back system works, preparing in advance, and recognizing genuine agents, you can get the help you need quickly and safely. Remember never to share passwords or private keys, and always use Coinbase’s official Help Center to start the support process. With the right approach, you can navigate issues with confidence and make full use of Coinbase’s round‑the‑clock service.

Author

coinbasetollfree

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Finance

Full List of Coinbase Help Desk Number USA Numbers

Published

5 days ago

November 21, 2025

coinbasetollfree

Reviewed
By Mila Parker

Introduction

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