Oct 13 2012

The math on US income – if you call something the middle make sure you are using math. The surprising details on median household income and per capita wages.

People have a hard time wrapping their minds around household and personal income.    It is an easy enough concept to understand but some throw around terminology that confuses the facts.  For example $250,000 is not middle class income if we define it from a strictly mathematical model.  The median household income in the US is […]

Oct 11 2012

Standard of living, meet falling US dollar – how a falling US dollar benefits banks at the expense of working Americans.

There is certainly a cost to a falling US dollar.  Many Americans are living the consequences of this multi-decade long trend.  The Federal Reserve has only added fuel to this trend but many families are now realizing that there does come a cost to unrelenting debt based solutions to fiscal problems.  Shopping at the local […]

Oct 9 2012

The sound of rumbling from the student debt bubble – Jump in consumer credit last month came mostly from student debt growth. For two decades student debt expanded at a rate above 17 percent per year.

The flashing alert signs permeating from the higher education bubble should give people pause to the next flavor of the day bubble.  This month information was released regarding consumer credit growth.  Most of the headlines took this as positive economic news but digging deeper into the data we realize that the bulk of the growth […]

Oct 6 2012

The tipping point for global debt – total global needs to grow to $213 trillion by 2020 just to sustain current growth.

Every so often markets forget that too much debt is a bad thing.  We are already seeing inflation in many items and the standard of living being pushed lower for many Americans thanks to policies that crush the US dollar and allow the Fed to expand its balance sheet without congressional approval.  There are consequences […]

Oct 3 2012

Who controls the wealth in the US? Western countries expand balance sheets at the expense of their younger population.

If the debates reflected the true interest of what Americans have on their mind the entire debate would revolve around the slow erosion of the US middle class.  Yet this is something that will only be a footnote and for any discussions that do come up the specifics will be lacking.  The reality is we […]

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  • 2. Top 1 Percent Control 42 Percent of Financial Wealth in the U.S. – How Average Americans are Lured into Debt Servitude by Promises of Mega Wealth.
  • 3. Is college worth the money and debt? The cost of college has increased by 11x since 1980 while inflation overall has increased by 3x. Diluting education with for-profits. and saddling millions with debt.
  • 4. The Perfect $46,000 Budget: Learning to Live in California for Under $50,000.
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