Dear Friends,
Tangents: 9/11 😢
“The cloudless sky filled with coiling black smoke and a blizzard of paper—memos, photographs, stock transactions, insurance policies—which fluttered for miles on a gentle southeasterly breeze, across the East River into Brooklyn. Debris spewed onto the streets of lower Manhattan, which were already covered with bodies. Some of them had been exploded out of the building when the planes hit. A man walked out of the towers carrying someone else’s leg. Jumpers landed on several firemen, killing them instantly.
“The air pulsed with sirens as firehouses and police stations all over the city emptied, sending the rescuers, many of them to their deaths. (FBI agent) Steve Bongardt was running toward the towers, against a stream of people racing in the opposite direction. He heard the boom of the second collision. “There’s a second plane,” someone cried.” — Lawrence Wright, The Looming Tower.
“Anyway, so we went down. People were very calm, and I think everybody in the stairwell was like this determined, but also aware that—unconsciously aware that something very dangerous was happening, and remain calm because it was the best thing we had to do. They were three flows of people, the regular people like me going down, the people who were coming down from the upper floors, and who were very badly injured. No skin, no hair, just burn. And they were walking or carried down by people, helped by people. And then the third flow of people was of course those security personnel and Fire Department people. Now, those people were exhausted. In some of those eyes you could see that they knew something, that it was dangerous. While there was no panic whatsoever in the stairwell, those people were concentrated, focused on doing their job. And while I was walking down, they were going up to their death. And I was walking down to live. I exited onto the sidewalk that was on Church (Street). I turned around and looked, and I saw the World Trade Center in flames, and those flames were very, very dark orange. The smoke was very, very black against this beautiful sky, and they were big. Suddenly, darkness fell upon us with an unbelievable violence. I looked around a second time. I didn’t see the tower. Instead, I heard a sound that today, I cannot remember. It was so powerful, such a huge sound that I blocked it. It scared me to death, and I cannot bring it back up to consciousness. And when I said, darkness, what was a beautiful day became darker than night. You couldn’t see anymore. Even more striking, there was no more sound. Sound didn’t go through anymore because the air was so thick that it wasn’t vibrating anymore. So after this unbelievable sound of the building collapsing, everything in few seconds turned to be darker than night with no sound, and you couldn’t breathe. I was convinced I was dead, because it’s so big that your brain
cannot process something like this.” — Bruno Dellinger, whose office was on the 47th floor of the North Tower of The World Trade Center.
“I got up and turned on the TV, and there was just this big black hole in the World Trade Center. And there was just smoke billowing out of it. I called my sister Cathy I said, “You might wanna wake up, turn in your TV and take a look at what they’re showing.” The commentator’s saying that it’s an American Airlines plane. And I casually asked Cathy, I said, “Do you know where Betty is?” And she says, “Betty’s supposed to be flying out of Boston.” And I said, “Do you think Betty is on that plane?” We just didn’t know. So I left a phone call on her cellphone, just asking her when she’s landed or anywhere you’re on the ground, to just give us a call and tell us you’re okay. And there was no call from Betty. I called American Airlines, and it was only then that it was confirmed that Betty was on the flight. I just want to add, through your passing, Betty, our family’s gotten very very close. Dad, who’s quite stoic, doesn’t really say a whole lot, man of the family, one day told us that he cries himself to sleep. Even to this day, he just keeps staying up watching TV, hoping somehow that you’ll reappear. And we’re all still waiting for that phone call from you to tell us that you’re okay. We just miss you a whole lot.” — Harry Ong Jr., transcript from the 9/11 Memorial Museum Oral History.
Answering machine: “Message one.”
Brian Sweeney: “Jules, this is Brian—listen, I’m on an airplane that’s been hijacked. If things don’t go well, and it’s not looking good, I just want you to know I absolutely love you, I want you to do good, go have good times, same to my parents and everybody, and I just totally love you, and I’ll see you when you get there. Bye, babe. I hope I call you.”
— 9/11 Memorial Museum, Gift of Julie Sweeney Roth
On Sept. 11, 2001, suicide hijackers crashed two airliners into the World Trade Center in New York, causing the 110-story twin towers to collapse. Another hijacked airliner hit the Pentagon and a fourth crashed in a field in Pennsylvania. Go to article.
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PHOTOS OF THE DAY
Doochary, County Donegal, Ireland‘
Mother and lamb pause, their soft fleece set against the rugged, weatherworn landscape.’
Photograph: Marek Parandyk
New York City, US‘
Dusk along the Brooklyn waterfront in late summer.’
Photograph: Travis Antolik
Queensland, Australia
‘The summit of Mount Ngungun at sunset in the Glasshouse Mountains national park.’
Photograph: Graeme Hall
Market Closes for September 11th, 2025
| Market Index |
Close | Change |
| Dow Jones |
46108.00 | +617.08 |
| +1.36% | ||
| S&P 500 | 6587.47 | +55.43 |
| +0.85% | ||
| NASDAQ | 22043.07 | +157.01 |
| +0.72% | ||
| TSX | 29407.89 | +228.50 |
| +0.78% |
International Markets
| Market Index |
Close | Change |
| NIKKEI | 44372.50 | +534.83 |
| +1.22% | ||
| HANG SENG |
26086.32 | -113.94 |
| -0.43% | ||
| SENSEX | 81548.73 | +123.58 |
| +0.15% | ||
| FTSE 100* | 9297.58 | +72.19 |
| +0.78% |
Bonds
| Bonds | % Yield | Previous % Yield |
| CND. 10 Year Bond |
3.161 | 3.175 |
| CND. 30 Year Bond |
3.604 | 3.623 |
| U.S. 10 Year Bond |
4.0206 | 4.0531 |
| U.S. 30 Year Bond |
4.6535 | 4.7019 |
Currencies
| BOC Close | Today | Previous |
| Canadian $ | 0.7225 | 0.7211 |
| US $ |
1.3840 | 1.3867 |
| Euro Rate 1 Euro= |
Inverse | |
| Canadian $ | 1.6236 | 0.6159 |
| US $ |
1.1731 | 0.8524 |
Commodities
| Gold | Close | Previous |
| London Gold Fix |
3650.75 | 3649.55 |
| Oil | ||
| WTI Crude Future | 62.37 | 63.67 |
Market Commentary:
On this day in 1789, Alexander Hamilton was sworn in as the nation’s first secretary of the Treasury.
Canada
By Bloomberg Automation
(Bloomberg) — The S&P/TSX Composite rose for the third day, climbing 0.8%, or 228.5 to 29,407.89 in Toronto.
The move was the biggest since rising 1% on Aug. 22.
Today, financials stocks led the market higher, as 8 of 11 sectors gained; 142 of 210 shares rose, while 67 fell.
Shopify Inc. contributed the most to the index gain, increasing 1.7%.
First Majestic Silver Corp. had the largest increase, rising 10.0%.
Insights
* This year, the index rose 19%, heading for the best year since 2021
* This quarter, the index rose 9.5%
* So far this week, the index rose 1.2%
* The index advanced 27% in the past 52 weeks. The MSCI AC Americas Index gained 19% in the same period
* The S&P/TSX Composite is at its 52-week high and 32.3% above its low on April 7, 2025
* The S&P/TSX Composite is up 1.7% in the past 5 days and rose 5.9% in the past 30 days
* S&P/TSX Composite is trading at a price-to-earnings ratio of 20.8 on a trailing basis and 18.3 times estimated earnings of its members for the coming year
* The index’s dividend yield is 2.5% on a trailing 12-month basis
* S&P/TSX Composite’s members have a total market capitalization of C$4.67t
* 30-day price volatility fell to 9.49% compared with 9.69% in the previous session and the average of 9.78% over the past month
Index Points
Financials | 90.4838| 1.0| 21/3
Industrials | 54.9149| 1.6| 23/6
Materials | 45.1668| 1.0| 41/6
Information Technology | 24.8393| 0.8| 8/2
Consumer Discretionary | 10.8752| 1.2| 8/1
Real Estate | 5.7012| 1.1| 18/1
Communication Services | 3.0856| 0.5| 3/2
Consumer Staples | 0.7219| 0.1| 5/5
Health Care | -0.4791| -0.7| 1/2
Utilities | -0.7876| -0.1| 4/10
Energy | -6.0226| -0.1| 10/29
Shopify | 29.2400| 1.7| 17.9| 31.2
Brookfield Corp | 20.9800| 2.3| 17.0| 15.1
Manulife Financial | 13.6600| 2.7| -41.9| -0.5
Barrick Mining | -2.7680| -0.6| -3.5| 82.5
Suncor | -3.8660| -0.8| -56.7| 13.2
Celestica | -8.5720| -3.0| -2.5| 156.4
(MT Newswires):
The Toronto Stock Exchange on Thursday posted its thirteenth record close in the last 15 sessions, with most sectors higher and the Industrials sector prominent as National Bank noted a bull market is “very much alive now” around it given all the ‘nation building’ cash being made available by the federal government.
Even with commodity prices lower, the S&P/TSX Composite Index closed up 228.50 points to 29,407.89.
This month alone, the TSX has posted a record close in all but one of the eight sessions since the Labour Day weekend.
Traders returned from that holiday pushing the index to a then record finish of 28,615.62 on Tuesday, Sept. 2.
In sectors, the Battery Metals Index was up 2.2%, Base Metals up 2% and Industrials up 1.5%.
There were modest losses for Energy and Health Care.
Of commodities, West Texas Intermediate crude oil prices weakened on Thursday after the International Energy Agency (IEA) again warned supply is running ahead of demand as it boosted its production forecast on new supply from OPEC+ and record output from Western Hemisphere producers.
WTI oil for October delivery closed down $1.30 to settle at US$62.37 per barrel, while November Brent oil was last seen down $1.17 to US$66.32.
Also, gold futures fell even as the dollar weakened, after a higher-than-expected rise in U.S. consumer prices failed to dent expectations for a Federal Reserve rate cut next week.
Gold for December delivery was down $8.90 to $3,673.10 per ounce, down from this week’s record high of $3,682.20.
Prime Minister Mark Carney today unveiled the first portion of the much anticipated ‘nation-building’ projects designed to scale and modernize Canadian infrastructure and provide a degree of economic stimulus amid broader economic softness exacerbated by an aggressive U.S. trade policy in recent months.
The first five projects include a liquefied natural gas (LNG) expansion project and others investments across the country.
National Bank said the projects will provide a “significant incremental boost to the revenue visibility” of the engineering and construction names in its coverage.
In addition, infrastructure work across the country should also boost heavy equipment demand once funding is finalized, driving volumes for dealers including Finning (FTT.TO), Toromont (TIH.TO) and Wajax (WJX.TO).
For the bank, the bottom line is that “tailwinds are still with us”.
It noted immigration intake concerns and how that could impact infrastructure budgets have been upended by a geopolitical reality where self-sufficiency has become essential.
As a result, the bank said, we saw in early 2025 an upturn in provincial budgets going big on infrastructure.
Now, it added, the Federal government is putting additional heft behind the need and desire to undertake projects that in some cases should have been done years ago.
Nevertheless, National Bank said, “better late than never” and the engineering, construction, equipment space will continue to benefit from the capital inflows.
“Overall, it added, “our generally Outperform-skew and recent upgrade of Bird Construction (BDT.TO) shares, tactical positive positioning on Aecon (ARE.TO) and Toromont, all suggest additional upside from current levels as multiples expand, supported by an influx of capital and materially lessened proportion of pure fixed-price contracts that historically have resulted in negative (eventual) outcomes for the contracting community. We are staying long the group.”
US
By Rita Nazareth
(Bloomberg) — A relatively tame inflation reading combined with more signs of jobs cooling spurred a rally on Wall Street amid speculation the Federal Reserve will slash interest rates for the first time this year.
The highly anticipated consumer price index showed that while inflation is still above the Fed’s 2% target, it’s not spinning out of control.
Alongside that report came the usually noisy jobless-claims figures, which jumped to the highest in almost four years, emboldening bets policymakers will cut rates next week in an effort to counter a rapid slowdown in the labor market.
That was enough to boost Treasuries, with the 10-year yield briefly breaching 4%. In a broad advance, all major US equity benchmarks hit all-time highs.
A measure of small caps jumped 1.8%.
In late hours, Adobe Inc. gave a solid outlook.
Gold eclipsed its inflation-adjusted peak set in 1980.
Energy shares joined oil lower.
“It’s clear that inflation is relatively calm, which gives the Fed the flexibility to focus more on stemming ongoing weakness in the labor market,” said Skyler Weinand at Regan Capital.
“We expect the Fed to cut 25 basis points next week and to follow through with another two 25 basis-point cuts this year.”
A slowing jobs market has prompted markets to price a more aggressive trajectory of policy easing.
Fed Chair Jerome Powell cautiously opened the door to a cut at the Fed’s Jackson Hole symposium last month, and recent data showed the hiring cooldown extended into August.
“Right now, inflation is a key subplot, but the labor market is still the main story,” said Ellen Zentner at Morgan Stanley Wealth Management.
“Today’s CPI may appear to offset yesterday’s PPI, but it wasn’t hot enough to distract the Fed from the softening jobs picture.
That translates into a rate cut next week — and, likely, more to come.”
“The claims data were arguably the bigger news,” said Tiffany Wilding at Pacific Investment Management Co.
“We still expect the Fed to cut 25 bps next week, though 50 will likely be discussed.
We continue to look for 75 bps of total cuts this year.”
For the first time in a long time, CPI is being overshadowed on its release day by initial jobless claims, noted Josh Jamner at ClearBridge Investments.
This dynamic illustrates the Fed’s focus on the “maximum employment” half of the Fed’s dual mandate, with today’s inflation print not hot enough to derail a 25 basis-point rate cut next week, he said.
“Today’s CPI report has been trumped by the jobless claims report,” said Seema Shah at Principal Asset Management.
“If anything, the jump in jobless claims will inject a bit more urgency in the Fed’s decision making, with Powell likely signaling a sequence of rate cuts is on the way.”
While there may be some murmurs within the Fed about the need for a 50 basis-point cut, an emergency-sized reduction is not required, Shah noted. Jobless claims are still quite low compared to 2021 levels, while the broader economic activity data and earnings reports do not signal the US is approaching a recessionary tipping point.
“The weaker the labor market gets, the less inflation matters,” said David Russell at TradeStation.
“It’s a balancing act, and the scales are tipping more toward full employment
versus price stability.
That’s especially true after this week’s big downward revisions of the annual employment and last week’s poor non-farm payrolls report.”
While Fed officials are widely expected to cut interest rates next week after a series of weak employment data, firm inflation — if sustained — may complicate the path for additional reductions at subsequent meetings.
To Chris Zaccarelli at Northlight Asset Management, it’s surprising to see how quickly the narrative has shifted.
Whereas before last week’s jobs report the question was whether or not there would be a cut in September, now traders are speculating how many cuts we will see following the first reduction.
“The Fed’s path is clear in the short run, but over the medium term, the fact that core inflation is running quite a bit higher on a month-over-month basis is going to complicate matters,” he said.
The core consumer price index, excluding the volatile food and energy categories, rose 0.3% from July. When incorporating those components, the overall CPI rose 0.4%, the most since the start of the year.
Initial jobless claims rose by 27,000 to 263,000 in the week ended Sept. 6, the highest since October 2021.
“The labor market is cracking; however, the inflation data are a reminder that a large upfront move is unlikely,” said Neil Dutta at Renaissance Macro Research.
“The Fed is only likely to deliver a 25bp move.
That is what I think the Fed will do, not what I think they should do.”
At Bankrate, Stephen Kates says concerns over “stagflation” are likely to intensify as the Fed weighs its next move.
“The Fed’s dual mandate of stable prices and full employment remains firmly at odds, limiting their policy flexibility in 2025.
Even if the committee decides to cut rates, it will likely reflect a surrender to economic weakness rather than a clear win over inflation,” he noted.
“Upside surprises on both US inflation and firings have stagflationary undertones,” said Don Rissmiller at Strategas.
“But neither trend looks entrenched yet here.”
To John Kerschner at Janus Henderson Investors, the Fed has now clearly painted itself into a corner.
“Chair Powell is vowing to fight the ever-obvious slowdown in the labor market with rate cuts, while at the same time ignoring the other half of its dual mandate – stable prices, or more specifically, 2% inflation,” Kerschner said.
“We do not believe that the 2% target will be reached for at least several more years barring a recession, which, while always possible with external shocks, is not even close to our baseline forecast.”
For now, policymakers appear to be more concerned about the near-term impact of not easing, signaling that the risk to the labor economy – and overall economic momentum – presents the greater near-term risk, according to Jim Baird at Plante Moran
Financial Advisors.
“It’s that perception that is expected to drive the Fed to trim its policy rate next week. The bigger question is ‘what next?’ Jay Powell’s press conference and the release of updated FOMC projections should go a long way toward providing an answer,” he said.
Bond investors are also interested in whether a decision to cut rates next week is unanimous.
In July, two Fed governors — Christopher Waller and Michelle Bowman — dissented the decision to keep rates unchanged in favor of lowering them, and Waller has since said he favors “multiple cuts” in the coming months.
While Thursday’s economic data had little impact on market- implied expectations for next week’s Fed decision, traders priced in a steeper downward path for the federal funds rate in subsequent months.
To Krishna Guha at Evercore, the latest inflation data support a Fed outlook for three successive cuts in September, October and December to recalibrate rates in a timely manner back down to roughly spot neutral by the end of the year.
That should also help some Fed officials who have been on the fence to signal this in their submission for the Summary of Economic Projections.
“Overall, we think the inflation trajectory is still moderately higher for a time, but the intermediate-term trend in inflation is generally moderating, especially in key areas such as services and shelter,” said Rick Rieder at BlackRock.
“We believe that the Federal Reserve’s forward focus (maybe for the next few years) is likely to be achieving maximum employment – even if the economy does well in aggregate.”
‘Not an Aggressive Pivot’
Rieder says his preference is still owning duration in the front-to-belly of the yield curve, as correlations and fixed income’s hedge effectiveness have improved at the margins here.
While the back end of the curve has been less reliable, and at times more erratic, at this point some exposure to the longer end makes sense as rates decline, he added.
“The Fed may still cut, but this data argues for a gradual path, not an aggressive pivot,” said Gina Bolvin at Bolvin Wealth Management Group.
“For investors, it’s about staying focused on long-term fundamentals, not short-term noise.
The AI optimism may continue to drown out the inflation noise and equity investors will continue to be rewarded long term.”
Veteran market strategist Ed Yardeni raised his year-end forecast for the S&P 500 to 6,800 from a previous target of 6,600 as his base case, while assigning a 25% probability that the US stock benchmark could experience a “melt up” to 7,000 by 2025’s close. The gauge finished at 6,587.47 on Thursday.
“If the Fed lowers the federal funds rate on September 17 and signals more rate cuts ahead, we will increase our odds of a melt up and decrease our odds of a correction,” he wrote in a note to clients.
Corporate Highlights:
* Adobe Inc. gave a strong quarterly revenue outlook, suggesting that the software maker is seeing a payoff from its investment in AI features.
* Paramount Skydance Corp., the Hollywood studio taken over in August by independent filmmaker David Ellison, is preparing a bid for rival Warner Bros. Discovery Inc., according to people with knowledge of the matter
* Boeing Co. said it’s falling behind schedule to get its 777X aircraft certified with regulators next year, risking another delay on a program that’s already six years late.
* The Trump administration and Nvidia Corp. “settled on 15%” commission on the company’s H20 chip sales to China, Commerce Secretary Howard Lutnick told CNBC.
* Micron Technology Inc. climbed as analysts touted the chipmaker’s growth potential in the data center market, where artificial-intelligence services have stoked demand.
* The Federal Trade Commission ordered Alphabet Inc.’s Google, OpenAI Inc., Meta Platforms Inc. and four other makers of artificial intelligence chatbots to turn over information about the impacts of their technologies on kids.
* Delta Air Lines Inc. and American Airlines Group Inc. said they are dramatically expanding their premium offerings, underscoring the challenges US carriers face filling economy- class cabins after a plunge in demand earlier in the year.
* Kroger Co. raised its full-year sales forecast on food spending that’s remained stable even as consumers seek out bargains.
* Federal National Mortgage Association and Federal Home Loan Mortgage Corp. received their first buy recommendation from Wall Street on Thursday, as Deutsche Bank said the stocks’ dizzying rally can go further on expectations the mortgage giants will possibly be released from government control in the near future.
* Citigroup Inc.’s chief executive officer said merger activity is rebounding as US companies gain confidence from clearer policy signals, with a recession in the world’s largest economy looking unlikely.
* Bank of New York Mellon Corp. said it’s teamed up with Carnegie Mellon University to advance research into AI, including the use of the technology in applications that power financial services.
* Centene Corp. jumped as the insurer gave upbeat views of its Medicare quality ratings and costs in its Medicaid business, positive signs for the company’s turnaround.
* Opendoor Technologies Inc. surged 80% after announcing the return of its co-founders to the board and a new chief executive officer.
* Oxford Industries Inc., the owner of the Tommy Bahama apparel brand, maintained its annual earnings outlook, despite anticipating a higher tariff hit. In addition, analysts were encouraged by quarter-to-date comparable sales commentary.
* Shares of Figure Technology Solutions Inc. closed 24% above their IPO price after a listing raising $787.5 million, as the blockchain-based credit company joined a cohort of crypto firms in embracing public markets.
* LB Pharmaceuticals Inc. shares closed 15% higher in their trading debut after the biotech raised $285 million in an upsized initial public offering.
* Indian software services giant Infosys Ltd. will buy back as much as 180 billion Indian rupees ($2 billion) worth of shares in an effort to return cash to investors amid a stock-price decline.
* Iberdrola SA agreed to buy an additional 30% stake in Brazilian power distributor Neoenergia SA for about 12 billion reais ($2.2 billion) as it looks to increase investments in electricity networks.
* Novo Nordisk A/S’s new chief executive officer is calling workers back to the office as the Ozempic maker struggles to catch up with Eli Lilly & Co. in the hyper-competitive obesity market.
* Discovery Ltd. plans to expand the roll out of its new artificial intelligence tool — already in use in South Africa and the UK — to clients across its Vitality Network, including in Europe and North America, as it seeks to double its operating income by 2029.
Some of the main moves in markets:
Stocks
* The S&P 500 rose 0.8% as of 4 p.m. New York time
* The Nasdaq 100 rose 0.6%
* The Dow Jones Industrial Average rose 1.4%
* The MSCI World Index rose 0.8%
* Bloomberg Magnificent 7 Total Return Index rose 1.1%
* The Russell 2000 Index rose 1.8%
Currencies
* The Bloomberg Dollar Spot Index fell 0.3%
* The euro rose 0.4% to $1.1737
* The British pound rose 0.4% to $1.3578
* The Japanese yen rose 0.2% to 147.17 per dollar
Cryptocurrencies
* Bitcoin rose 0.7% to $114,460.79
* Ether rose 2.1% to $4,423.1
Bonds
* The yield on 10-year Treasuries declined three basis points to 4.02%
* Germany’s 10-year yield was little changed at 2.66%
* Britain’s 10-year yield declined three basis points to 4.61%
* The yield on 2-year Treasuries was little changed at 3.54%
* The yield on 30-year Treasuries declined five basis points to 4.65%
Commodities
* West Texas Intermediate crude fell 2.2% to $62.25 a barrel
* Spot gold fell 0.1% to $3,637.02 an ounce
Have a lovely evening.
Be magnificent!
As ever,
Carolann
Sorrow was like the wind. It came in gusts. –Marjorie Kinnan Rawlings, 1896-1953.
Carolann Steinhoff, B.Sc., CFP®, CIM, CIWM
Senior Investment Advisor
Queensbury Securities Inc.,
St. Andrew’s Square,
Suite 340A, 730 View St.,
Victoria, B.C. V8W 3Y7
Tel: 778.430.5808
(C): 250.881.0801 (Text Only)
Toll Free: 1.877.430.5895
Fax: 778.430.5828
www.carolannsteinhoff.com