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ADV Part 2

 

 

 

Investor Resources Inc, Investment Advisory Service, Port Orchard, WA

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    Asset Allocation

    • 2013Jan28 Fist Class!

       

      "One of the things the government can't do is run anything. The only things our government runs are the post office and the railroads, and both of them are bankrupt."  ~ Lee Iacocca

       

      Our indicatiors recorded a change in asset allocation emphasis last week. (Read More)

    • 2013Jan8 Can Kicking Continues

       

       

      CAN KICKING CONTINUES

      Finally, weeks of high drama have come to another rest stop. Our fearless elected procrastinators agreed to a non-deal to resolve their self-inflicted non-crisis.

      The infamous “Fiscal Cliff” has been moved. 

    • 2012Oct1 Survive Adapt Advance

       

      “It is not the strongest or the most intelligent who will survive but those who can best manage change.” ~ Charles Darwin

      Fund companies euthanize their weakest offspring all the time, but they work hard to keep their cash cows...Read More 

    • 2012Jul10 Euro Zone fix?

       

      Seldom do we think of living in historic times, but we are.  Just over a decade ago, the sovereign states of Europe adopted the Euro setting aside ancient currencies decorated with their kings and presidents.  

    • 2012May31 Grexit?

      If Wall Street and the financial press are truly good at anything, it would be coming up with pithy abbreviations.  First, we had the “BRIC,” which was shorthand for Brazil, Russia, India and China.  These were supposed to be... 

    • 2012Mar20 The Future of Money

      A nickel ain't worth a dime anymore.  ~Yogi Berra

    • 2011Dec12 Santa, please...

      Hasn’t every investor been hoping Santa Claus would come a little early this year?

    • 2011Dec15 Stocks or Not?

      Many investors equate investing to buying stocks.  However, over the last ten years the access to other asset classes traditionally available only to large institutional investors has become available to a much wider segment of the population. 

    Banks

    • 2012Dec10 It Depends...

       

      Forty is the old age of youth; fifty the youth of old age. ~Victor Hugo

       

      Demographics:

       

      There's one economic variable that's highly predictable; demographics. In all of the industrial countries the aging population is now weighing on the economic...(Read More)

    • 2012Oct9 What Goes Up...

       

      "Oil prices have fallen lately. We include this news for the benefit of gas stations, which otherwise wouldn't learn of it for six months." - William D. Tammeus

       

      Inflation:

      ...inflation in the things that matter most is well above where the overall index is.  This is a fair critique.  The BLS lets us break-down the data into segments so we can actually create a fairly good inflation reading for particular items.

      In the index below, 

    • 2012Jul23 Think this is hot?

       

      "One of the greatest disservices you can do a man is to lend him money that he can't pay back."

      -Jesse Jones

    • 2012Aug12 Rethinking banks

       

      “I hate banks. They do nothing positive for anybody except take care of themselves. They're first in with their fees and first out when there's trouble.”

      ~ Earl Warren

      Though credit unions aren't entirely opposed to service fees, they are still friendlier to consumers in terms of...  

    2013

    • 2013Apr17 Bye Bye Minivan

       

      “It may be an exaggeration to say the minivan is dead,” writes Philip LeBeau for CNBC (March 22, 2013), “but make no mistake, it has been dispatched to the land of niche vehicles.”

      Stop and think about that for a minute. When was the last time you saw a minivan on the road? You probably drove past one today. You may have even passed a low-horsepower “kiddie-mobile.” Minivans are a lot less common than they used to be. In the 1990s, it seemed that everyone drove one. Today, they are comparatively rare.

    • 2013Feb 11 Booming Boomers

       

      One of the hallmarks of the baby boomer generation is that  it doesn't live like the previous generation. 

      It hasn't yet given up jeans and T-shirts or beer. ~Ron Klugman

       

      Boomers:

       

      Time was when retirement meant a move to a community where all your neighbors belonged to the same generation: Old.

       No more. As baby boomers begin to retire...(Read More)

    • 2013Jan28 Fist Class!

       

      "One of the things the government can't do is run anything. The only things our government runs are the post office and the railroads, and both of them are bankrupt."  ~ Lee Iacocca

       

      Our indicatiors recorded a change in asset allocation emphasis last week. (Read More)

    • 2013Jan7 A New Year

       

      Twenty years from now you will be more disappointed by the things that you didn't do than by the ones you did do. So throw off the bowlines. Sail away from the safe harbor. Catch the trade winds in your sails. Explore. Dream. Discover. ~ Mark Twain

      Read More...

       

    • 2013Jan8 Can Kicking Continues

       

       

      CAN KICKING CONTINUES

      Finally, weeks of high drama have come to another rest stop. Our fearless elected procrastinators agreed to a non-deal to resolve their self-inflicted non-crisis.

      The infamous “Fiscal Cliff” has been moved. 

    Bonds

    Commoditites

    Deflation

    • 2013Jan8 Can Kicking Continues

       

       

      CAN KICKING CONTINUES

      Finally, weeks of high drama have come to another rest stop. Our fearless elected procrastinators agreed to a non-deal to resolve their self-inflicted non-crisis.

      The infamous “Fiscal Cliff” has been moved. 

    • 2012Dec3 Pays to Advertise

       

      "Several years before birth, advertise for a couple of parents belonging to long-lived families." ~ Oliver Wendell Holmes

       

      The U.S. birth rate fell to a record low last year, driven by a decline in the number of babies born to immigrant women, who have led the growth in the nation's population for at least two decades.

       

      The country's birth rate fell ...(Read More)

    • 2012Jul2 Feeling better?

       

      "The urge to save humanity is almost always 

      only a false face for the urge to rule it."  - H. L. Mencken

       

      Now that President Obama's health care overhaul has won the last stamp of approval from the U.S. Supreme court, the question...

    • 2012June18 Grecian Formula

       

      "If God had wanted us to vote, he would have given us candidates." ~Jay Leno

      This is a conversation between a wall street veteran and financial blogger, Bruce Krasting, and an anonymous Greek shipping executive in Athens. It happened this morning.

    Demographics

    • 2013Apr17 Bye Bye Minivan

       

      “It may be an exaggeration to say the minivan is dead,” writes Philip LeBeau for CNBC (March 22, 2013), “but make no mistake, it has been dispatched to the land of niche vehicles.”

      Stop and think about that for a minute. When was the last time you saw a minivan on the road? You probably drove past one today. You may have even passed a low-horsepower “kiddie-mobile.” Minivans are a lot less common than they used to be. In the 1990s, it seemed that everyone drove one. Today, they are comparatively rare.

    • 2013Feb 11 Booming Boomers

       

      One of the hallmarks of the baby boomer generation is that  it doesn't live like the previous generation. 

      It hasn't yet given up jeans and T-shirts or beer. ~Ron Klugman

       

      Boomers:

       

      Time was when retirement meant a move to a community where all your neighbors belonged to the same generation: Old.

       No more. As baby boomers begin to retire...(Read More)

    • 2013Jan28 Fist Class!

       

      "One of the things the government can't do is run anything. The only things our government runs are the post office and the railroads, and both of them are bankrupt."  ~ Lee Iacocca

       

      Our indicatiors recorded a change in asset allocation emphasis last week. (Read More)

    • 2013Jan8 Can Kicking Continues

       

       

      CAN KICKING CONTINUES

      Finally, weeks of high drama have come to another rest stop. Our fearless elected procrastinators agreed to a non-deal to resolve their self-inflicted non-crisis.

      The infamous “Fiscal Cliff” has been moved. 

    • 2012Dec16 Knock, Knock...

       

      “Home is the place where, when you have to go there, they have to take you in.” ~ Robert Frost

      Real estate:

      Trulia’s year-end 2012 American Dream survey reveals how today’s consumers are more optimistic about the housing market and more ready to buy. For Millennials, the recent housing bust shapes their near-term expectations about...(Read More

    • 2012Dec10 It Depends...

       

      Forty is the old age of youth; fifty the youth of old age. ~Victor Hugo

       

      Demographics:

       

      There's one economic variable that's highly predictable; demographics. In all of the industrial countries the aging population is now weighing on the economic...(Read More)

    • 2012Dec3 Pays to Advertise

       

      "Several years before birth, advertise for a couple of parents belonging to long-lived families." ~ Oliver Wendell Holmes

       

      The U.S. birth rate fell to a record low last year, driven by a decline in the number of babies born to immigrant women, who have led the growth in the nation's population for at least two decades.

       

      The country's birth rate fell ...(Read More)

    • 2012Oct15 Is It Enough?

       

      "Money is not the most important thing in the world. Love is. Fortunately, I love money." - Jackie Mason

      A study by the National Center for Policy Analysis investigates the spending habits of baby boomers who many say are nowhere near ready to retire. 

    • 2012Jul10 Euro Zone fix?

       

      Seldom do we think of living in historic times, but we are.  Just over a decade ago, the sovereign states of Europe adopted the Euro setting aside ancient currencies decorated with their kings and presidents.  

    • 2012Jul9 Tipping point?

       

      Taxation with representation ain't so hot either.  ~ Gerald Barzan

      ...moving out due to recent tax hikes – a finding that is sure to escalate the battle over taxing the American rich...

    • 2012Jun25 Saving Enough?

      "The mint makes it first, it is up to you to make it last." - Evan Esar

      Nearly half of Americans say they lack enough emergency savings to cover...

    • 2012May13 To Stay or Leave?

      "A man in love is incomplete until he has married. Then he's finished." ~ Zsa Zsa Gabor

      For the past 50 years, 20-somethings knew the answer. LEAVE HOME ASAP. Not so much any more because of the change in employment opportunities. Greece and Germany face the same question over their continued involvement in the Euro zone. The USA and European economies suffer the consequences of their decisions. Read More.

    • 2012May7 Europe Turns Left

       

      "Member states would be economically better off if they had never joined. European monetary union was generally mis-sold to the population of the Europe."

      ~ Stephane Deo, Paul Donovan, and Larry Hatheway of Swiss banking giant UBS

    • 2012Apr23 EU or no EU

       

      "There is no example in history of a lasting monetary union that was not linked to one State." ~ 0tmar Issing, Chief Economist, German Bundesbank, 1991

    • 2012Jan30 We have seen the enemy

      "Yep, son, we have met the enemy and he is us." ~ Pogo

    • 2012Jan13 No Resolution

      We begin 2012 without any significant resolution to the issues that created headlines and whipsawed the market in 2011.

    • 2012Jan23 Demographis Is Destiny

      For years we have been referencing the importance of demographics to understand the economy and investing. Recently, more analysts have been recognizing the significance of generational changes in spending and the economic impact.

    • 2011Dec12 Santa, please...

      Hasn’t every investor been hoping Santa Claus would come a little early this year?

    • 2011Nov22 Be Careful

      "Be careful what you wish for because it might come true." - W.W. Jacobs

    Consumer Spending

    • 2013Apr17 Bye Bye Minivan

       

      “It may be an exaggeration to say the minivan is dead,” writes Philip LeBeau for CNBC (March 22, 2013), “but make no mistake, it has been dispatched to the land of niche vehicles.”

      Stop and think about that for a minute. When was the last time you saw a minivan on the road? You probably drove past one today. You may have even passed a low-horsepower “kiddie-mobile.” Minivans are a lot less common than they used to be. In the 1990s, it seemed that everyone drove one. Today, they are comparatively rare.

    • 2013Feb 11 Booming Boomers

       

      One of the hallmarks of the baby boomer generation is that  it doesn't live like the previous generation. 

      It hasn't yet given up jeans and T-shirts or beer. ~Ron Klugman

       

      Boomers:

       

      Time was when retirement meant a move to a community where all your neighbors belonged to the same generation: Old.

       No more. As baby boomers begin to retire...(Read More)

    • 2013Jan28 Fist Class!

       

      "One of the things the government can't do is run anything. The only things our government runs are the post office and the railroads, and both of them are bankrupt."  ~ Lee Iacocca

       

      Our indicatiors recorded a change in asset allocation emphasis last week. (Read More)

    • 2012Oct15 Is It Enough?

       

      "Money is not the most important thing in the world. Love is. Fortunately, I love money." - Jackie Mason

      A study by the National Center for Policy Analysis investigates the spending habits of baby boomers who many say are nowhere near ready to retire. 

    • 2012Oct9 What Goes Up...

       

      "Oil prices have fallen lately. We include this news for the benefit of gas stations, which otherwise wouldn't learn of it for six months." - William D. Tammeus

       

      Inflation:

      ...inflation in the things that matter most is well above where the overall index is.  This is a fair critique.  The BLS lets us break-down the data into segments so we can actually create a fairly good inflation reading for particular items.

      In the index below, 

    • 2012Sep24 Shocking!!!

       

      Electricity is really just organized lightning. ~ George Carlin

       

      Clean tech:

       

      QUINCY, Wash. - Set in the dry hills and irrigated farmland of Central Washington, Grant County is known for its robust harvest of apples, potatoes, cherries and beans. But for Microsoft, a prime lure was the region's other valuable resource

    • 2012Sep17 QE to Infinity

       

      "Two things are infinite: the universe and human stupidity; and I'm not sure about the universe." Albert Einstein

       

      QE-Infinity:

       

      The Federal Reserve took a really aggressive stance Thursday when it announced its new round of quantitative easing. Superficially, the Fed's new tack looks a lot like a combination of what it did in the earlier rounds of quantitative easing.

      But the Fed's new policy is far more radical than this description might suggest. Several features...

    • 2012Sep4 mmm Lobster

       

      "A truly destitute man is not one without riches, but the poor wretch who has never partaken of lobster." ~ anonymous

       

      Last week in Rockland, Maine, if you bought a tire from Eastern Tire & Auto Service or got a massage at Synergy Massage & Bodywork, your purchase came with a lobster. Dozens of restaurants up and down...

    • 2012Jul10 Euro Zone fix?

       

      Seldom do we think of living in historic times, but we are.  Just over a decade ago, the sovereign states of Europe adopted the Euro setting aside ancient currencies decorated with their kings and presidents.  

    • 2012Jul16 Buy something!

       

      “There is only one boss. The customer. And he can fire everybody in the company from the chairman on down, simply by spending his money somewhere else.” ~ Sam Walton

    • 2012Apr2 More location, location

      “The best investment on Earth is earth.” ~ Louis Glickman

    • 2012Mar26 Life without Apple?

      "Everyone here has the sense that right now is one of

      those moments when we are influencing the future." - Steve Jobs

       

    • 2012Feb13 Greece cuts...kinda...

      We can loan you enough money to get you completely out of debt.

                                                ~ A bank sign 

       

    • 2012Jan13 No Resolution

      We begin 2012 without any significant resolution to the issues that created headlines and whipsawed the market in 2011.

    • 2012Jan23 Demographis Is Destiny

      For years we have been referencing the importance of demographics to understand the economy and investing. Recently, more analysts have been recognizing the significance of generational changes in spending and the economic impact.

    • 2012Jan23 Deleveraging-How Much?

      Debt is like any other trap, easy enough to get into, but hard enough to get out of.

      ~ Henry Wheeler Shaw

    • 2011Dec6 Who Rates the Raters?

      "The function of a ratings agency is to visit the field at the end of the battle and shoot the wounded."- John Heimann  

      (formerly: U.S. Comptroller of the Currency, vice chairman of Merrill Lynch, chairman of the Financial Stability Forum)
    • 2011Nov6 The Reality of Capitalism

      The business of money is nothing if not interesting.

    • 31Oct2011 Where Does the Money Go?

       "When you run in debt, you give to another
      power over your liberty" ~ Benjamin Franklin.

    • 2011Oct17 Who is watching your 401k?

      If you would be wealthy, think of saving as well as getting.
      Benjamin Franklin (1706 - 1790)

    Economy

    ETFs

    • 2012Dec3 Pays to Advertise

       

      "Several years before birth, advertise for a couple of parents belonging to long-lived families." ~ Oliver Wendell Holmes

       

      The U.S. birth rate fell to a record low last year, driven by a decline in the number of babies born to immigrant women, who have led the growth in the nation's population for at least two decades.

       

      The country's birth rate fell ...(Read More)

    • 2012Oct22 What's an ETF again?

       

      History does not tell you the probability of future financial things happening.  ~ Warren Buffett

       

      Fourteen exchange-traded fund providers have created a website to educate investors and financial advisors about the intricacies of investing in ETF's...

    • 2012Aug20 Cliff Hanger

       

      When you stand at the edge of the cliff, jump to fly, not to fall...and pray Superman is around. ~ Anonymous

       

      Politics and business:

      Company executives are postponing decisions such as hiring and plant-building until they can get some clarity from Washington on the looming "fiscal cliff" and possible higher taxes, according to an analysis of earnings conference calls by Goldman Sachs.

       

      "Regulatory direction and political uncertainty remain...

    • 2012Aug12 Rethinking banks

       

      “I hate banks. They do nothing positive for anybody except take care of themselves. They're first in with their fees and first out when there's trouble.”

      ~ Earl Warren

      Though credit unions aren't entirely opposed to service fees, they are still friendlier to consumers in terms of...  

    Facebook

    • 2012Sep17 QE to Infinity

       

      "Two things are infinite: the universe and human stupidity; and I'm not sure about the universe." Albert Einstein

       

      QE-Infinity:

       

      The Federal Reserve took a really aggressive stance Thursday when it announced its new round of quantitative easing. Superficially, the Fed's new tack looks a lot like a combination of what it did in the earlier rounds of quantitative easing.

      But the Fed's new policy is far more radical than this description might suggest. Several features...

    • 2012May21 No Way!

       

      “Someone has said the best nursing home is the U.S. Senate.”- Ernest F Hollings

    • 2012May30 Spain=Pain

       

      “Banks get money from the government, which turns around and borrows from the banks. But how long can this game go on?” — Constantin Gurdgiev, a finance lecturer, Trinity College, Dublin on the possibility of more E.U. bailouts.

    Oil

    • 2012Nov12 Black Gold

       

      "Courage, determination, and hard work are all very nice, but not so nice as an oil well in the back yard." ~ Mason Cooley

       

       

      Energy:

       

      The International Energy Agency is out with its new World Energy Outlook, a report which makes some extremely positive comments about the future of US energy. Read More...

       

      In the factbook, the IEA had this to say about US oil:

    Employment

    • 2012Dec16 Knock, Knock...

       

      “Home is the place where, when you have to go there, they have to take you in.” ~ Robert Frost

      Real estate:

      Trulia’s year-end 2012 American Dream survey reveals how today’s consumers are more optimistic about the housing market and more ready to buy. For Millennials, the recent housing bust shapes their near-term expectations about...(Read More

    Europe

    • 2012Nov12 Black Gold

       

      "Courage, determination, and hard work are all very nice, but not so nice as an oil well in the back yard." ~ Mason Cooley

       

       

      Energy:

       

      The International Energy Agency is out with its new World Energy Outlook, a report which makes some extremely positive comments about the future of US energy. Read More...

       

      In the factbook, the IEA had this to say about US oil:

    • 2012Jun4 Orders hosed down

       

      “I used to work in a fire hydrant factory. You couldn't park anywhere near the place.” ~ Stephen Wright

      Commerce Department reported on Monday that factory orders fell during...

    • 2012Jul23 Think this is hot?

       

      "One of the greatest disservices you can do a man is to lend him money that he can't pay back."

      -Jesse Jones

    • 2012Sep10 Go-Stay-Go-Stay

       

      "Did you ever have the feeling that you wanted to go, and still have the feeling that you wanted to stay?" 

      ~ Jimmy Durante

      Greek stocks are rallying almost 5% to the highest level since April after the German paper Der Spiegel reported that "Angela Merkel has made a surprising U-turn in her policy on Greece. The German chancellor now wants to stop Athens from...(Read More)

    • 2012Jul16 Buy something!

       

      “There is only one boss. The customer. And he can fire everybody in the company from the chairman on down, simply by spending his money somewhere else.” ~ Sam Walton

    • 2012Jul2 Feeling better?

       

      "The urge to save humanity is almost always 

      only a false face for the urge to rule it."  - H. L. Mencken

       

      Now that President Obama's health care overhaul has won the last stamp of approval from the U.S. Supreme court, the question...

    • 2012June18 Grecian Formula

       

      "If God had wanted us to vote, he would have given us candidates." ~Jay Leno

      This is a conversation between a wall street veteran and financial blogger, Bruce Krasting, and an anonymous Greek shipping executive in Athens. It happened this morning.

    • 2012May31 Grexit?

      If Wall Street and the financial press are truly good at anything, it would be coming up with pithy abbreviations.  First, we had the “BRIC,” which was shorthand for Brazil, Russia, India and China.  These were supposed to be... 

    • 2012May30 Spain=Pain

       

      “Banks get money from the government, which turns around and borrows from the banks. But how long can this game go on?” — Constantin Gurdgiev, a finance lecturer, Trinity College, Dublin on the possibility of more E.U. bailouts.

    • 2012May13 To Stay or Leave?

      "A man in love is incomplete until he has married. Then he's finished." ~ Zsa Zsa Gabor

      For the past 50 years, 20-somethings knew the answer. LEAVE HOME ASAP. Not so much any more because of the change in employment opportunities. Greece and Germany face the same question over their continued involvement in the Euro zone. The USA and European economies suffer the consequences of their decisions. Read More.

    • 2012May7 Europe Turns Left

       

      "Member states would be economically better off if they had never joined. European monetary union was generally mis-sold to the population of the Europe."

      ~ Stephane Deo, Paul Donovan, and Larry Hatheway of Swiss banking giant UBS

    • 2012Apr23 EU or no EU

       

      "There is no example in history of a lasting monetary union that was not linked to one State." ~ 0tmar Issing, Chief Economist, German Bundesbank, 1991

    • 2012Apr9 Jobs-Jobs-Jobs

      “The best way to appreciate your job is to imagine yourself without one.” ~ Oscar Wilde

    • 2012Feb7 Game Changer?

      "You have to learn the rules of the game...And then you have to play better than anyone else." - Albert Einstein   

    • 2012Mar12 Tax Time Again!

      The Internal Revenue Service has compiled a list of changes governing how you’ll pay your taxes this year...

    • 2012Mar5 Seeing is believing...

      Smart is when you believe only half of what you hear.

      Brilliant is when you know which half to believe.

      -Orben's Current Comedy

    • 2012Feb22 Iceland took a different path

      Two roads diverged in a wood, and I--
      I took the one less traveled by, 
      And that has made all the difference.
      Robert Frost

    • 2012Feb13 Greece cuts...kinda...

      We can loan you enough money to get you completely out of debt.

                                                ~ A bank sign 

       

    • 2012Jan17 Prediction is difficult

      "Prediction is very difficult, especially if it's about the future." 

      -Nils Bohr

    • 2011Dec12 Santa, please...

      Hasn’t every investor been hoping Santa Claus would come a little early this year?

    • 2012Jan3 You can run...

      It is difficult to hide what everybody knows.~ Danish Proverb 

    • 2011Dec12 Location, Location

      "I would give a thousand furlongs of sea for an acre of barren ground." - Shakespeare

    Healthcare

    • 2012Aug27 Boomers booming

       

      The boomers' biggest impact will be on eliminating the term 'retirement' and inventing a new stage of life... 

      the new career arc.  ~ Rosabeth Moss Kanter

       

      When I was young, a car with 90,000 miles on it was getting quite old, and things had to be constantly fixed or replaced. Today, 90,000 miles...

    • 2012Jul2 Feeling better?

       

      "The urge to save humanity is almost always 

      only a false face for the urge to rule it."  - H. L. Mencken

       

      Now that President Obama's health care overhaul has won the last stamp of approval from the U.S. Supreme court, the question...

    • 2012May21 No Way!

       

      “Someone has said the best nursing home is the U.S. Senate.”- Ernest F Hollings

    • 2012Apr9 Jobs-Jobs-Jobs

      “The best way to appreciate your job is to imagine yourself without one.” ~ Oscar Wilde

    Inflation

    • 2013Jan8 Can Kicking Continues

       

       

      CAN KICKING CONTINUES

      Finally, weeks of high drama have come to another rest stop. Our fearless elected procrastinators agreed to a non-deal to resolve their self-inflicted non-crisis.

      The infamous “Fiscal Cliff” has been moved. 

    • 2012Oct9 What Goes Up...

       

      "Oil prices have fallen lately. We include this news for the benefit of gas stations, which otherwise wouldn't learn of it for six months." - William D. Tammeus

       

      Inflation:

      ...inflation in the things that matter most is well above where the overall index is.  This is a fair critique.  The BLS lets us break-down the data into segments so we can actually create a fairly good inflation reading for particular items.

      In the index below, 

    Energy

    • 2012Nov19 Einstein failed

       

      "The hardest thing to understand in the world is the income tax."  ~ Albert Einstein

       

      Taxes:

      As the U.S. approaches the fiscal cliff on Jan. 1, closing some of the tax loopholes that cost the Treasury $1.3 trillion a year is emerging as a seemingly easy way... (Read More)

    • 2012Nov12 Black Gold

       

      "Courage, determination, and hard work are all very nice, but not so nice as an oil well in the back yard." ~ Mason Cooley

       

       

      Energy:

       

      The International Energy Agency is out with its new World Energy Outlook, a report which makes some extremely positive comments about the future of US energy. Read More...

       

      In the factbook, the IEA had this to say about US oil:

    • 2012Sep24 Shocking!!!

       

      Electricity is really just organized lightning. ~ George Carlin

       

      Clean tech:

       

      QUINCY, Wash. - Set in the dry hills and irrigated farmland of Central Washington, Grant County is known for its robust harvest of apples, potatoes, cherries and beans. But for Microsoft, a prime lure was the region's other valuable resource

    • 2012Sep17 QE to Infinity

       

      "Two things are infinite: the universe and human stupidity; and I'm not sure about the universe." Albert Einstein

       

      QE-Infinity:

       

      The Federal Reserve took a really aggressive stance Thursday when it announced its new round of quantitative easing. Superficially, the Fed's new tack looks a lot like a combination of what it did in the earlier rounds of quantitative easing.

      But the Fed's new policy is far more radical than this description might suggest. Several features...

    • 2012Jan3 You can run...

      It is difficult to hide what everybody knows.~ Danish Proverb 

    Gold

    • 2012Nov12 Black Gold

       

      "Courage, determination, and hard work are all very nice, but not so nice as an oil well in the back yard." ~ Mason Cooley

       

       

      Energy:

       

      The International Energy Agency is out with its new World Energy Outlook, a report which makes some extremely positive comments about the future of US energy. Read More...

       

      In the factbook, the IEA had this to say about US oil:

    • 2012Nov5 All that glitters...

       

      "All that glitters is not gold; Often have you heard that told" ~ William Shakespeare

       

       

       

      As New York City continues to dry out in the aftermath of Hurricane Sandy, the financial world is reconsidering just how smart it is to place critical pieces of infrastructure in flood-prone areas. Citigroup's (C) waterlogged building at...(Read More) 

    Investing

    • 2012Nov5 All that glitters...

       

      "All that glitters is not gold; Often have you heard that told" ~ William Shakespeare

       

       

       

      As New York City continues to dry out in the aftermath of Hurricane Sandy, the financial world is reconsidering just how smart it is to place critical pieces of infrastructure in flood-prone areas. Citigroup's (C) waterlogged building at...(Read More) 

    • 2012Oct29 Batten the hatches!

       

      "The fishermen know that the sea is dangerous and the storm terrible, but they have never found these dangers sufficient reason for remaining ashore"  ~ Vincent van Gogh

       

       

      All United States stock and options markets will close on Monday as Hurricane Sandy approaches, as Wall Street braces for the storm to barrel through the heart of the country's financial center.

       

      The decision, made on Sunday night, leaves the American stock markets closed for weather conditions for the first time in nearly three decades. The New York Stock Exchange had previously planned on closing only its physical trading floor...

    • 2012Oct15 Is It Enough?

       

      "Money is not the most important thing in the world. Love is. Fortunately, I love money." - Jackie Mason

      A study by the National Center for Policy Analysis investigates the spending habits of baby boomers who many say are nowhere near ready to retire. 

    • 2012Aug20 Cliff Hanger

       

      When you stand at the edge of the cliff, jump to fly, not to fall...and pray Superman is around. ~ Anonymous

       

      Politics and business:

      Company executives are postponing decisions such as hiring and plant-building until they can get some clarity from Washington on the looming "fiscal cliff" and possible higher taxes, according to an analysis of earnings conference calls by Goldman Sachs.

       

      "Regulatory direction and political uncertainty remain...

    • 2012Oct1 Survive Adapt Advance

       

      “It is not the strongest or the most intelligent who will survive but those who can best manage change.” ~ Charles Darwin

      Fund companies euthanize their weakest offspring all the time, but they work hard to keep their cash cows...Read More 

    • 2012Aug12 Rethinking banks

       

      “I hate banks. They do nothing positive for anybody except take care of themselves. They're first in with their fees and first out when there's trouble.”

      ~ Earl Warren

      Though credit unions aren't entirely opposed to service fees, they are still friendlier to consumers in terms of...  

    • 2012Aug6 Good Knight?

       

      A market is the combined behavior of thousands of people responding to information, misinformation and whim. ~ Kenneth Chang

      Investors reached for the Dramamine yet again on Wednesday as a software failure at Knight Capital Group caused wild fluctuations in about 140 stocks. Now that the dust has begun to settle...

    • 2012Jul10 Euro Zone fix?

       

      Seldom do we think of living in historic times, but we are.  Just over a decade ago, the sovereign states of Europe adopted the Euro setting aside ancient currencies decorated with their kings and presidents.  

    • 2012Jul16 Buy something!

       

      “There is only one boss. The customer. And he can fire everybody in the company from the chairman on down, simply by spending his money somewhere else.” ~ Sam Walton

    • 2012Jun25 Saving Enough?

      "The mint makes it first, it is up to you to make it last." - Evan Esar

      Nearly half of Americans say they lack enough emergency savings to cover...

    • 2012May31 Grexit?

      If Wall Street and the financial press are truly good at anything, it would be coming up with pithy abbreviations.  First, we had the “BRIC,” which was shorthand for Brazil, Russia, India and China.  These were supposed to be... 

    • 2012May21 No Way!

       

      “Someone has said the best nursing home is the U.S. Senate.”- Ernest F Hollings

    • 2012Apr16 If an Apple falls...

      "Our goal is to make the best devices in the world, not to be the biggest."    ~ Steve Jobs

    • 2012Apr30 When do I get to retire?

       

      There are some who start their retirement long before they stop working. ~ Robert Half

    • 2012Mar20 The Future of Money

      A nickel ain't worth a dime anymore.  ~Yogi Berra

    • 2012Mar5 Seeing is believing...

      Smart is when you believe only half of what you hear.

      Brilliant is when you know which half to believe.

      -Orben's Current Comedy

    • 2012Feb27 What's that you say?

      Americans are in a cycle of fear which leads to people not wanting to spend and not wanting to make investments, and that leads to more fear. We'll break out of it. It takes time.  ~ Warren Buffett
       

    • 2012Feb22 Iceland took a different path

      Two roads diverged in a wood, and I--
      I took the one less traveled by, 
      And that has made all the difference.
      Robert Frost

    • 2012Jan30 We have seen the enemy

      "Yep, son, we have met the enemy and he is us." ~ Pogo

    • 2012Jan17 Prediction is difficult

      "Prediction is very difficult, especially if it's about the future." 

      -Nils Bohr

    • 2012Jan9 You Scream, I Scream

      "How many millionaires do you know who have become wealthy by investing in savings accounts? I rest my case."

    • 2012Jan13 No Resolution

      We begin 2012 without any significant resolution to the issues that created headlines and whipsawed the market in 2011.

    • 2012Jan23 Deleveraging-How Much?

      Debt is like any other trap, easy enough to get into, but hard enough to get out of.

      ~ Henry Wheeler Shaw

    • 2011Dec12 Santa, please...

      Hasn’t every investor been hoping Santa Claus would come a little early this year?

    • 2011Dec15 Stocks or Not?

      Many investors equate investing to buying stocks.  However, over the last ten years the access to other asset classes traditionally available only to large institutional investors has become available to a much wider segment of the population. 

    • 2011Dec20 The Millennials!

       

       "Over the next decade, the Millennial Generation will entirely recast the image of youth from downbeat and alientated to upbeat and engaged--with potentially seismic consequences for America." --from Millennials Rising

       

    • 2011Nov9 Buy-Hold: Never Sell?

      An insider reveals the myth of Buy & Hold!

    Mortgages

    • 2013Jan7 A New Year

       

      Twenty years from now you will be more disappointed by the things that you didn't do than by the ones you did do. So throw off the bowlines. Sail away from the safe harbor. Catch the trade winds in your sails. Explore. Dream. Discover. ~ Mark Twain

      Read More...

       

    • 2012Dec10 It Depends...

       

      Forty is the old age of youth; fifty the youth of old age. ~Victor Hugo

       

      Demographics:

       

      There's one economic variable that's highly predictable; demographics. In all of the industrial countries the aging population is now weighing on the economic...(Read More)

    • 2012Sep10 Go-Stay-Go-Stay

       

      "Did you ever have the feeling that you wanted to go, and still have the feeling that you wanted to stay?" 

      ~ Jimmy Durante

      Greek stocks are rallying almost 5% to the highest level since April after the German paper Der Spiegel reported that "Angela Merkel has made a surprising U-turn in her policy on Greece. The German chancellor now wants to stop Athens from...(Read More)

    • 2012June18 Grecian Formula

       

      "If God had wanted us to vote, he would have given us candidates." ~Jay Leno

      This is a conversation between a wall street veteran and financial blogger, Bruce Krasting, and an anonymous Greek shipping executive in Athens. It happened this morning.

    NASDAQ

    • 2012May21 No Way!

       

      “Someone has said the best nursing home is the U.S. Senate.”- Ernest F Hollings

    Real Estate

    Retirement

    Taxes

    • 2013Feb 11 Booming Boomers

       

      One of the hallmarks of the baby boomer generation is that  it doesn't live like the previous generation. 

      It hasn't yet given up jeans and T-shirts or beer. ~Ron Klugman

       

      Boomers:

       

      Time was when retirement meant a move to a community where all your neighbors belonged to the same generation: Old.

       No more. As baby boomers begin to retire...(Read More)

    • 2012Nov19 Einstein failed

       

      "The hardest thing to understand in the world is the income tax."  ~ Albert Einstein

       

      Taxes:

      As the U.S. approaches the fiscal cliff on Jan. 1, closing some of the tax loopholes that cost the Treasury $1.3 trillion a year is emerging as a seemingly easy way... (Read More)

    • 2012Nov12 Black Gold

       

      "Courage, determination, and hard work are all very nice, but not so nice as an oil well in the back yard." ~ Mason Cooley

       

       

      Energy:

       

      The International Energy Agency is out with its new World Energy Outlook, a report which makes some extremely positive comments about the future of US energy. Read More...

       

      In the factbook, the IEA had this to say about US oil:

    • 2012Oct22 What's an ETF again?

       

      History does not tell you the probability of future financial things happening.  ~ Warren Buffett

       

      Fourteen exchange-traded fund providers have created a website to educate investors and financial advisors about the intricacies of investing in ETF's...

    • 2012Oct1 Survive Adapt Advance

       

      “It is not the strongest or the most intelligent who will survive but those who can best manage change.” ~ Charles Darwin

      Fund companies euthanize their weakest offspring all the time, but they work hard to keep their cash cows...Read More 

    • 2012Aug6 Good Knight?

       

      A market is the combined behavior of thousands of people responding to information, misinformation and whim. ~ Kenneth Chang

      Investors reached for the Dramamine yet again on Wednesday as a software failure at Knight Capital Group caused wild fluctuations in about 140 stocks. Now that the dust has begun to settle...

    • 2012Jul2 Feeling better?

       

      "The urge to save humanity is almost always 

      only a false face for the urge to rule it."  - H. L. Mencken

       

      Now that President Obama's health care overhaul has won the last stamp of approval from the U.S. Supreme court, the question...

    • 2012Jul9 Tipping point?

       

      Taxation with representation ain't so hot either.  ~ Gerald Barzan

      ...moving out due to recent tax hikes – a finding that is sure to escalate the battle over taxing the American rich...

    • 2012Mar26 Life without Apple?

      "Everyone here has the sense that right now is one of

      those moments when we are influencing the future." - Steve Jobs

       

    • 2012Mar12 Tax Time Again!

      The Internal Revenue Service has compiled a list of changes governing how you’ll pay your taxes this year...

    Stock Market

    Technology

    • 2012Oct15 Is It Enough?

       

      "Money is not the most important thing in the world. Love is. Fortunately, I love money." - Jackie Mason

      A study by the National Center for Policy Analysis investigates the spending habits of baby boomers who many say are nowhere near ready to retire. 

    • 2012Sep24 Shocking!!!

       

      Electricity is really just organized lightning. ~ George Carlin

       

      Clean tech:

       

      QUINCY, Wash. - Set in the dry hills and irrigated farmland of Central Washington, Grant County is known for its robust harvest of apples, potatoes, cherries and beans. But for Microsoft, a prime lure was the region's other valuable resource

    • 2012Mar26 Life without Apple?

      "Everyone here has the sense that right now is one of

      those moments when we are influencing the future." - Steve Jobs

       

    • 2012Mar20 The Future of Money

      A nickel ain't worth a dime anymore.  ~Yogi Berra

    2011

    2010

    2009

    2012

    • 2012Dec16 Knock, Knock...

       

      “Home is the place where, when you have to go there, they have to take you in.” ~ Robert Frost

      Real estate:

      Trulia’s year-end 2012 American Dream survey reveals how today’s consumers are more optimistic about the housing market and more ready to buy. For Millennials, the recent housing bust shapes their near-term expectations about...(Read More

    • 2012Dec10 It Depends...

       

      Forty is the old age of youth; fifty the youth of old age. ~Victor Hugo

       

      Demographics:

       

      There's one economic variable that's highly predictable; demographics. In all of the industrial countries the aging population is now weighing on the economic...(Read More)

    • 2012Dec3 Pays to Advertise

       

      "Several years before birth, advertise for a couple of parents belonging to long-lived families." ~ Oliver Wendell Holmes

       

      The U.S. birth rate fell to a record low last year, driven by a decline in the number of babies born to immigrant women, who have led the growth in the nation's population for at least two decades.

       

      The country's birth rate fell ...(Read More)

    • 2012Nov19 Einstein failed

       

      "The hardest thing to understand in the world is the income tax."  ~ Albert Einstein

       

      Taxes:

      As the U.S. approaches the fiscal cliff on Jan. 1, closing some of the tax loopholes that cost the Treasury $1.3 trillion a year is emerging as a seemingly easy way... (Read More)

    • 2012Nov26 Consenting Capitalists

       

      "The trouble with government regulation of the market is that it prohibits capitalistic acts between consenting adults."

       Robert Nozick

       

      U.S. Securities and Exchange Commission Chairman Mary Schapiro, who took the agency's helm in 2009 as it reeled from public rebukes for failing to rein in Wall Street abuses...(read more)

    • 2012Nov12 Black Gold

       

      "Courage, determination, and hard work are all very nice, but not so nice as an oil well in the back yard." ~ Mason Cooley

       

       

      Energy:

       

      The International Energy Agency is out with its new World Energy Outlook, a report which makes some extremely positive comments about the future of US energy. Read More...

       

      In the factbook, the IEA had this to say about US oil:

    • 2012Nov5 All that glitters...

       

      "All that glitters is not gold; Often have you heard that told" ~ William Shakespeare

       

       

       

      As New York City continues to dry out in the aftermath of Hurricane Sandy, the financial world is reconsidering just how smart it is to place critical pieces of infrastructure in flood-prone areas. Citigroup's (C) waterlogged building at...(Read More) 

    • 2012Oct29 Batten the hatches!

       

      "The fishermen know that the sea is dangerous and the storm terrible, but they have never found these dangers sufficient reason for remaining ashore"  ~ Vincent van Gogh

       

       

      All United States stock and options markets will close on Monday as Hurricane Sandy approaches, as Wall Street braces for the storm to barrel through the heart of the country's financial center.

       

      The decision, made on Sunday night, leaves the American stock markets closed for weather conditions for the first time in nearly three decades. The New York Stock Exchange had previously planned on closing only its physical trading floor...

    • 2012Oct22 What's an ETF again?

       

      History does not tell you the probability of future financial things happening.  ~ Warren Buffett

       

      Fourteen exchange-traded fund providers have created a website to educate investors and financial advisors about the intricacies of investing in ETF's...

    • 2012Oct15 Is It Enough?

       

      "Money is not the most important thing in the world. Love is. Fortunately, I love money." - Jackie Mason

      A study by the National Center for Policy Analysis investigates the spending habits of baby boomers who many say are nowhere near ready to retire. 

    • 2012Jun4 Orders hosed down

       

      “I used to work in a fire hydrant factory. You couldn't park anywhere near the place.” ~ Stephen Wright

      Commerce Department reported on Monday that factory orders fell during...

    • 2012Jul23 Think this is hot?

       

      "One of the greatest disservices you can do a man is to lend him money that he can't pay back."

      -Jesse Jones

    • 2012Oct9 What Goes Up...

       

      "Oil prices have fallen lately. We include this news for the benefit of gas stations, which otherwise wouldn't learn of it for six months." - William D. Tammeus

       

      Inflation:

      ...inflation in the things that matter most is well above where the overall index is.  This is a fair critique.  The BLS lets us break-down the data into segments so we can actually create a fairly good inflation reading for particular items.

      In the index below, 

    • 2012Aug20 Cliff Hanger

       

      When you stand at the edge of the cliff, jump to fly, not to fall...and pray Superman is around. ~ Anonymous

       

      Politics and business:

      Company executives are postponing decisions such as hiring and plant-building until they can get some clarity from Washington on the looming "fiscal cliff" and possible higher taxes, according to an analysis of earnings conference calls by Goldman Sachs.

       

      "Regulatory direction and political uncertainty remain...

    • 2012Aug27 Boomers booming

       

      The boomers' biggest impact will be on eliminating the term 'retirement' and inventing a new stage of life... 

      the new career arc.  ~ Rosabeth Moss Kanter

       

      When I was young, a car with 90,000 miles on it was getting quite old, and things had to be constantly fixed or replaced. Today, 90,000 miles...

    • 2012Oct1 Survive Adapt Advance

       

      “It is not the strongest or the most intelligent who will survive but those who can best manage change.” ~ Charles Darwin

      Fund companies euthanize their weakest offspring all the time, but they work hard to keep their cash cows...Read More 

    • 2012Sep24 Shocking!!!

       

      Electricity is really just organized lightning. ~ George Carlin

       

      Clean tech:

       

      QUINCY, Wash. - Set in the dry hills and irrigated farmland of Central Washington, Grant County is known for its robust harvest of apples, potatoes, cherries and beans. But for Microsoft, a prime lure was the region's other valuable resource

    • 2012Sep17 QE to Infinity

       

      "Two things are infinite: the universe and human stupidity; and I'm not sure about the universe." Albert Einstein

       

      QE-Infinity:

       

      The Federal Reserve took a really aggressive stance Thursday when it announced its new round of quantitative easing. Superficially, the Fed's new tack looks a lot like a combination of what it did in the earlier rounds of quantitative easing.

      But the Fed's new policy is far more radical than this description might suggest. Several features...

    • 2012Sep10 Go-Stay-Go-Stay

       

      "Did you ever have the feeling that you wanted to go, and still have the feeling that you wanted to stay?" 

      ~ Jimmy Durante

      Greek stocks are rallying almost 5% to the highest level since April after the German paper Der Spiegel reported that "Angela Merkel has made a surprising U-turn in her policy on Greece. The German chancellor now wants to stop Athens from...(Read More)

    • 2012Sep4 mmm Lobster

       

      "A truly destitute man is not one without riches, but the poor wretch who has never partaken of lobster." ~ anonymous

       

      Last week in Rockland, Maine, if you bought a tire from Eastern Tire & Auto Service or got a massage at Synergy Massage & Bodywork, your purchase came with a lobster. Dozens of restaurants up and down...

    • 2012Aug12 Rethinking banks

       

      “I hate banks. They do nothing positive for anybody except take care of themselves. They're first in with their fees and first out when there's trouble.”

      ~ Earl Warren

      Though credit unions aren't entirely opposed to service fees, they are still friendlier to consumers in terms of...  

    • 2012Aug6 Good Knight?

       

      A market is the combined behavior of thousands of people responding to information, misinformation and whim. ~ Kenneth Chang

      Investors reached for the Dramamine yet again on Wednesday as a software failure at Knight Capital Group caused wild fluctuations in about 140 stocks. Now that the dust has begun to settle...

    • 2012Jul10 Euro Zone fix?

       

      Seldom do we think of living in historic times, but we are.  Just over a decade ago, the sovereign states of Europe adopted the Euro setting aside ancient currencies decorated with their kings and presidents.  

    • 2012Jul16 Buy something!

       

      “There is only one boss. The customer. And he can fire everybody in the company from the chairman on down, simply by spending his money somewhere else.” ~ Sam Walton

    • 2012Jul2 Feeling better?

       

      "The urge to save humanity is almost always 

      only a false face for the urge to rule it."  - H. L. Mencken

       

      Now that President Obama's health care overhaul has won the last stamp of approval from the U.S. Supreme court, the question...

    • 2012Jul9 Tipping point?

       

      Taxation with representation ain't so hot either.  ~ Gerald Barzan

      ...moving out due to recent tax hikes – a finding that is sure to escalate the battle over taxing the American rich...

    • 2012Jun25 Saving Enough?

      "The mint makes it first, it is up to you to make it last." - Evan Esar

      Nearly half of Americans say they lack enough emergency savings to cover...

    • 2012June18 Grecian Formula

       

      "If God had wanted us to vote, he would have given us candidates." ~Jay Leno

      This is a conversation between a wall street veteran and financial blogger, Bruce Krasting, and an anonymous Greek shipping executive in Athens. It happened this morning.

    • 2012May31 Grexit?

      If Wall Street and the financial press are truly good at anything, it would be coming up with pithy abbreviations.  First, we had the “BRIC,” which was shorthand for Brazil, Russia, India and China.  These were supposed to be... 

    • 2012May30 Spain=Pain

       

      “Banks get money from the government, which turns around and borrows from the banks. But how long can this game go on?” — Constantin Gurdgiev, a finance lecturer, Trinity College, Dublin on the possibility of more E.U. bailouts.

    • 2012May21 No Way!

       

      “Someone has said the best nursing home is the U.S. Senate.”- Ernest F Hollings

    • 2012May13 To Stay or Leave?

      "A man in love is incomplete until he has married. Then he's finished." ~ Zsa Zsa Gabor

      For the past 50 years, 20-somethings knew the answer. LEAVE HOME ASAP. Not so much any more because of the change in employment opportunities. Greece and Germany face the same question over their continued involvement in the Euro zone. The USA and European economies suffer the consequences of their decisions. Read More.

    • 2012May7 Europe Turns Left

       

      "Member states would be economically better off if they had never joined. European monetary union was generally mis-sold to the population of the Europe."

      ~ Stephane Deo, Paul Donovan, and Larry Hatheway of Swiss banking giant UBS

    • 2012Apr16 If an Apple falls...

      "Our goal is to make the best devices in the world, not to be the biggest."    ~ Steve Jobs

    • 2012Apr30 When do I get to retire?

       

      There are some who start their retirement long before they stop working. ~ Robert Half

    • 2012Apr23 EU or no EU

       

      "There is no example in history of a lasting monetary union that was not linked to one State." ~ 0tmar Issing, Chief Economist, German Bundesbank, 1991

    • 2012Apr9 Jobs-Jobs-Jobs

      “The best way to appreciate your job is to imagine yourself without one.” ~ Oscar Wilde

    • 2012Apr2 More location, location

      “The best investment on Earth is earth.” ~ Louis Glickman

    • 2012Mar26 Life without Apple?

      "Everyone here has the sense that right now is one of

      those moments when we are influencing the future." - Steve Jobs

       

    • 2012Mar20 The Future of Money

      A nickel ain't worth a dime anymore.  ~Yogi Berra

    • 2012Feb7 Game Changer?

      "You have to learn the rules of the game...And then you have to play better than anyone else." - Albert Einstein   

    • 2012Mar12 Tax Time Again!

      The Internal Revenue Service has compiled a list of changes governing how you’ll pay your taxes this year...

    • 2012Mar5 Seeing is believing...

      Smart is when you believe only half of what you hear.

      Brilliant is when you know which half to believe.

      -Orben's Current Comedy

    • 2012Feb27 What's that you say?

      Americans are in a cycle of fear which leads to people not wanting to spend and not wanting to make investments, and that leads to more fear. We'll break out of it. It takes time.  ~ Warren Buffett
       

    • 2012Feb22 Iceland took a different path

      Two roads diverged in a wood, and I--
      I took the one less traveled by, 
      And that has made all the difference.
      Robert Frost

    • 2012Feb13 Will it last?

      As the relentless march of time embraces 2012, there are a couple important issues to address.  Investors are beginning to recoup some of the confidence that was lost during the turbulent year that was 2011. Europe showed signs of stabilizing in January. Since then, the showdown between Germany which has money and Greece which needs it has stalemated, again.

    • 2012Feb13 Greece cuts...kinda...

      We can loan you enough money to get you completely out of debt.

                                                ~ A bank sign 

       

    • 2012Jan30 We have seen the enemy

      "Yep, son, we have met the enemy and he is us." ~ Pogo

    • 2012Jan17 Prediction is difficult

      "Prediction is very difficult, especially if it's about the future." 

      -Nils Bohr

    • 2012Jan9 You Scream, I Scream

      "How many millionaires do you know who have become wealthy by investing in savings accounts? I rest my case."

    • 2012Jan13 No Resolution

      We begin 2012 without any significant resolution to the issues that created headlines and whipsawed the market in 2011.

    • 2012Jan23 Demographis Is Destiny

      For years we have been referencing the importance of demographics to understand the economy and investing. Recently, more analysts have been recognizing the significance of generational changes in spending and the economic impact.

    • 2012Jan23 Deleveraging-How Much?

      Debt is like any other trap, easy enough to get into, but hard enough to get out of.

      ~ Henry Wheeler Shaw

    • 2012Jan3 You can run...

      It is difficult to hide what everybody knows.~ Danish Proverb