U.S. treasury rates continue to baffle investors. The 10-year yield tends to be one of the most frequently-estimated yet difficult-to-predict data points in the investment landscape. In addition to commercial lending rates, its importance is hinged on it being the general base rate for 30-year fixed residential mortgages. Normally, interest…
Continue Reading Why Are U.S. Treasury Yields Falling Lately as Economic Conditions are Recovering?Author: Jeff Christian
What Seems to be Going on With Labor Market Data, at Least in Terms of its Underperformance Compared to Expectations?
Both private economists and public officials have shared a variety of opinions about remaining issues weighing on the jobs recovery. The arguments seem to be focused on a few key areas. Some are easier to rectify in the short term than others. (1) Continued Covid-based concerns over either workplace environments or…
Continue Reading What Seems to be Going on With Labor Market Data, at Least in Terms of its Underperformance Compared to Expectations?Are You Ready To Retire?
Greetings! I hope this finds you well and enjoying life. Are You Ready to Retire? The question is actually more complicated than it first appears because it demands consideration on two levels. First, there’s the emotional component. Are you ready to enter a new phase of life? Do you have…
Continue Reading Are You Ready To Retire?Working During Your Retirement Years
Greetings! I hope this finds you well and enjoying life. An increasing number of employees nearing retirement plan to work for at least some period of time during their retirement years. The obvious advantage of working during retirement is that you’ll be earning money and relying less on your retirement…
Continue Reading Working During Your Retirement YearsResidence Issues in Retirement
Greetings I trust that you’re well and enjoying life! As you grow older, housing issues become an integral part of your retirement plans. You may be living on a fixed income and want to get additional cash by borrowing against the equity in your home. You may feel isolated in that…
Continue Reading Residence Issues in RetirementAn Unrealized Resource You May Not Be Aware Of
Greetings! I trust that this will find you well and in good spirits. Have you ever considered a home equity line of credit (HELOC) as a resource in retirement? For those of you that are not familiar with them, a home equity line of credit is simply an open line of…
Continue Reading An Unrealized Resource You May Not Be Aware OfCutting Back on Your Spending
Greetings! I trust that this finds you well and enjoying life. If you had to cut back your spending, where would you do it? This question has a way of reflecting our values as much as it does our practicality. One recent study found that when workers started feeling even a little unsure…
Continue Reading Cutting Back on Your SpendingSecond Quarter Client Letter
Dear Client: The most recent downturn in stocks brought us to an official declaration that we have crossed the line denoting a 20% drop in the S&P 500 index and thereby entering an ‘official’ bear market. In truth we had been flirting with this number a few times already this…
Continue Reading Second Quarter Client LetterSaving on Prescriptions
Greetings! I trust that this finds you well and enjoying life. Isn’t it great to live in an era that experiences such radical advancements in medical science? Because of these advancements, it’s likely that physicians will prescribe more and more prescriptions as we grow older and this form of healthcare will…
Continue Reading Saving on PrescriptionsBeing Prepared for the Unknown
Greetings! I trust that this finds you well and enjoying life. You may have heard the saying, “Life is what happens to you while you’re busy making plans.” That’s a line from a John Lennon song entitled, Beautiful Boy. It’s also a keen observation of what could happen if you focus too closely…
Continue Reading Being Prepared for the Unknown