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Cost-plus Pricing

Cost-plus pricing is a pricing strategy in which the selling price is determined by adding a specific dollar amount or percentage to a producer’s relevant costs.  This pricing protocol is typically used where the provider is a regulated monopoly, such as a public utility, or there is essentially a single-buyer, such as the defense department. […]

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Winners and Losers

In order to address a housing affordability issue, in one of the world’s hottest housing markets, New Zealand is restricting non-citizens from buying existing homes.  Trade Minister David Parker said, “this government believes that New Zealanders should not be outbid by wealthier foreign buyers.” Sounds like great news for New Zealanders looking to buy a […]

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Whither Wages?

The stock market has been doing well, unemployment is at historic lows, inflation is relatively modest and a strong economy augers well for corporate earnings during the balance of this year, and perhaps for 2019.  In the midst of all of this good news, wage gains seem to be lagging. Recently published employment data suggests […]

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Regulation: Yes, No, Maybe?

Widely reported efforts of the current administration to roll back some of the regulatory activity of the previous administration have given rise to the question; are regulations good, bad or appropriate under certain circumstances? Investors should carefully consider this issue on a case-by-case basis.  While overregulation can be stifling, some regulation is often essential.  Consider […]

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Tappable Equity

Tappable equity is the amount of equity available to homeowners with mortgages that could be accessed through a home equity loan.  According to Black Knight’s “Mortgage Monitor” (Black Knight is a leading provider of data across the homeownership life cycle), the March 31, 2018 total tappable equity available to U.S. homeowners increased by $380 billion, […]

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Financing Innovation

A recently published report by AlixPartners, a well-recognized financial consulting firm, suggested that auto industry and technological players looking to get into transportation, are spending $255 billion on 200-plus electric models and $61 billion toward autonomous vehicles. While this appears to be a lot of money, the worldwide vehicle industry is so large that $300 […]

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