31 August 2010

Manufacturing Jobs in 60 Year Decline; Middle Class Going Along for the Ride?

 Economy         2 comments

Some people say middle class America is alive and as healthy as ever… Pfft!
As the chart clearly shows, 60 plus years of declining manufacturing sector jobs say otherwise. I’m not an economist, but it doesn’t take quant heavy math or grad level economics equations to forecast that data like …

29 August 2010

Schiff, Blodget, Ratigan Should Be Among Our Political Leaders

 Politics,Real Estate         1 comment

I’m not a political strategist, but it would appear that gentlemen like Blodget, Ratigan and Schiff, are not leading our country because because their ideas make way too much business sense, the popularity of letting Too Big To Fail banks and austerity measures aren’t as popular as funny money and …

28 August 2010

Beware the Points Trap: Lower Interest Rates Doesn’t Mean You’ll Save Money Over Long Term

I’m often amazed at how little the importance between the interest rate on a mortgage and the APR on a mortgage is discussed within the realm of personal finance.
Basically, the interest rate is the eye candy for the home buyer and the APR is the number the lender/mortgage broker hopes …

27 August 2010

Corporate Strategic Defaults Made Easy by NonRecourse Loans

Unless you’ve been living under a rock for 2010, strategically defaulting on your mortgage is a growing trend among Americans. Both by business owners who strategically default because “it’s good business“, but also by Joe Public homeowners who, somewhat disingenuously, have been psychologically conditioned to believe that it’s immoral to …

26 August 2010

Google Voice & Phone: Free All-In-One Communications Platform

I’ve said it before and I’ll say it again: the Internet is the greatest disintermediation force the business world has ever seen and middlemen the world over are being eliminated.
Yesterday, Google announced it has added a “you can call any phone right from Gmail” feature into it’s extremely popular free …

25 August 2010

Homeowners Still Have Too Much (Back End) Debt to Refinance Mortgages

 Real Estate         No comments

There are multiple reasons why real estate prices continues to fall back to Earth, but one of the most important reasons why homeowners are continuing to lose their homes and adding new short sale/REO/foreclosure properties to the market, at least in my opinion, is that homeowners debt to income ratios …

23 August 2010

20 Funny ETF Ticker Symbols That Will Never Exist

 ETFs,Humor,Index Funds         7 comments

Now that the investing world is moving towards a world of total ETFification, I think it’s time we begin giving these fee generating, cash cows catchy ticker symbols that we can actually remember.
The easiest way, in my opinion, is to associate each sector or macro investing goal with commonly known …

22 August 2010

Total Equity Fund Flows Negative vs. Total Bond Fund Flows Positive

Not surprisingly, the plethora of negative economic news and pessimism has investors fearing a double dip recession and/or a second Great Depression. Few metrics exist that can express this bearish sentiment better than the money flow numbers (e.g. where the money is moving and what investors are buying).

One can only …

21 August 2010

Current Events Form Future Trends

George Celente of the Trends Research Institute is among the top 5 people in the world I’d like to have a beer with because he’s a master of big picture thinking. He’s one of the most pragmatic, read between the BS analysts in the world who can take information from …

20 August 2010

Google Insight Search Trends: U.S. Population’s Confidence & Pessimism

I’m a subscriber to the thesis that one can gauge how a population is thinking, and what they may or may not do, by using Google Trends or Google Insights for Search. The premise being that, if you can peer into what people are searching for, you can get an …

18 August 2010

Sovereign Debt Restructuring and The Keynesian Endpoint?

If you don’t know hedge fund manager Kyle Bass, you should. He correctly called the real estate bubble, the obfuscated delusion that housing prices could never go down in value, and subsequently, made killing off of it by betting it would eventually pop. (See David Faber’s House of Cards documentary …

17 August 2010

How Credit Card Companies Make Their Money

Excellent infographic by the Financial Highway blog on how credit card companies make their money off of folks like you and I. And in case you thought the only way they made money was just off of the interest rates they charge on your total balance — think again!
[click to …

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