Adviser Investments’ Chief Investment Officer Jim Lowell has the market analysis for Friday, November 16. The Dow Jones Industrial Average and S&P 500 gained 0.5% and 0.2%, respectively, and the NASDAQ fell 0.2%. In terms of indicators, the New York Fed released third-quarter household and credit data, with the household debt-to- income ratio enjoying its 17th consecutive gain and continuing to reflect a healthy consumer status. That ratio is currently around 20% higher than its mid-2013 low. Later this week, we will see home-related data regarding builders’ confidence, housing starts, building permits, existing home sales and durable goods orders as well as leading economic indicators for consumer sentiment and Markit manufacturing activity gauges.