Jun 26 2015

Is the Chinese stock market bubble finally bursting? Shanghai composite and Shenzhen composite down 7.4 and 7.9 percent respectively in one day.

The Chinese stock market has been one of the hottest tickets lately.  The US stock markets might seem overvalued but in comparison to China with relatively new financial checks and balances, the US looks like a conservative old timer.  Stocks in China are already deep into ridiculous pricing territory.  You have an army of uneducated […]

Jul 16 2014

We are absolutely in a stock market bubble: corporate equity valuations now higher than peak reached in 2007. Crestmont P/E of 26.3 is 90 percent above its average of 13.9.

Once again the stock market is in full bubble mode. The internet chat forums are full of people pumping up stocks and you also have penny stocks surging in light of people looking for the next free lunch. The stock market is a poor indicator of the overall economy but it does show how those […]

May 13 2014

Is college worth a lifetime of debt? Student debt reaches critical tipping point at $1.2 trillion as annual price increases enter the moment of truth.

The cost of going to college has come into deep questioning. In our inflation addicted market, the answer to every question regarding affordability involves more debt. Can’t afford a home? How about taking on a massive mortgage with a small down payment. Can’t afford a car? How about a 0 percent 0 down loan. Having […]

May 6 2013

Inflation in the most important things: Inflation hitting housing, tuition, and medical services. Is the Fed reinventing another debt based bubble?

Household income is a vital measure of the overall well-being for most Americans.  This is why it is important to try to understand why overall household incomes are back to levels last seen in 1995.  This is a critical barometer that measures the health of the US middle class.  Yet we continually see the argument […]

Sep 24 2012

Deleveraging from one bubble to another – $6.2 trillion in mortgage debt was added between 2000 and 2008. Since the peak in 2008 $1.3 trillion in US household debt is gone but another bubble is brewing hidden under the rubble of the busted housing market.

There is some interesting data on the deleveraging that is occurring with the American household.  Since the peak in Q3 of 2008, US households have lowered their outstanding debt by $1.3 trillion.  It is important to understand how this deleveraging is occurring.  First of all, Americans are largely paying down existing debts much faster and […]

Apr 12 2012

Educating students to debt – Student loan debt now second largest sector of household debt approaching $1 trillion. 14 percent of consumers have one account in collections.

College debt is fueling the out of control higher education bubble.  The Federal Reserve tracks most household debt sectors very carefully including mortgage debt, auto debt, and credit card debt.  You would think that they would follow student loan debt carefully.  That was not the case until recently.  More disturbing however is that student debt […]

Mar 6 2012

The crisis of solvency – peak debt, peak food stamp usage, and massive financial deception by media. The faux economy of solving a solvency issue with more debt. Job postings up but hiring flat.

The economy is largely running on a solid amount of debt, Orwellian news, and selective perception.  Take for example the absolute lack of coverage on our peak debt situation.  The media simply assumes that going over the $15 trillion mark on national debt was somehow a story not worth reporting.  The total amount we have […]

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