Jun 30 2017

The new retirement model revolves around dying broke and realizing that the 401k model of investing is a sham for most Americans.

The new retirement model means working until you die.  Most Americans are broke and living paycheck to paycheck.  Yet the stock market is near a modern day peak.  What is going on?  Wasn’t the 401k experiment that launched in the early 1980s to replace pensions supposed to be a panacea in terms of building out […]

Oct 11 2014

The stock market is finally recognizing severe global volatility: Stock market has worst performance in two years.

Volatility in the market came roaring back this week.  Stocks had their worst weekly performance in two years.  It was hard to understand given the interconnected nature of the markets how little of an impact was being had in US stocks when global markets and governments are facing dramatic challenges.  The markets are slowly coming […]

Mar 12 2012

The old get wealthier and the young get poorer.

This recession has been unmercifully brutal on younger Americans.  Many are entering the most difficult employment market in generations with a flood of low wage jobs saddled with record levels of student debt.  Many have never even witnessed how it is to live in a bull stock market.    Of course this is assuming they had […]

Mar 1 2010

Commercial Real Estate Problems in Financial Purgatory – $3.4 Trillion Debt Market and Expansion of Interest Only Loans to Finance CRE Deals. CRE Debt Found its way into Pension Funds.

The Congressional Oversight Panel put out a daunting report regarding the commercial real estate market.  Commercial real estate is an enormous market with $3.4 trillion in debt secured by office space, malls, and apartment complexes to name a few examples.  Commercial real estate does a fairly good job as being a barometer for the actual […]

Jan 23 2010

The Rise of the Cashier and Retail Salesperson Economy – Employment and the Evolving Job Market of the United States – 8 Million Jobs Lost in this Recession but Deeper Financial Changes are Coming.

The recession that started in December of 2007 is still causing jobs losses even after 25 long and agonizing months.  Most Americans still feel that the economy is deep in the midst of a serious correction.  Since the recession started non-farm employment has shrunk from 138.152 million to 130.91 million.  Officially over 7.2 million jobs […]

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