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Elections and Investing

It is generally accepted that politics and religion are not suitable topics for discussion in polite company. That is probably good advice, but media coverage of politics and the election is going to intensify over the next three months.  This is normal, although this election cycle is generally considered to be unusual.  Both candidates have […]

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Keep Calm and Carry On

Keep Calm and Carry On was a motivational poster produced by the British government in 1939 in preparation for WWII. Considering the short lived furor over Brexit, and all of the disquieting news from around the world, this may still be good advice. Prior to the actual Brexit vote, nearly all of the pundits, pollsters, […]

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Where’s Waldo

On several occasions over my career providing wealth management counseling to clients, I have run across the phrase from new clients that, “My broker doesn’t charge me.”  I usually ask, “Do you work for free too?” The confusion comes in when one does not explicitly “write a check” for services, but instead, has fees that […]

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Markets and Elections

For those of us who live in Cleveland, the Republican National Convention (RNC) this week is yet another exciting event for our city.  For two+ years Cleveland has been hurriedly preparing for this coming week. New hotels, new freeways, a new public square, endless rerouting of traffic etc., etc.  The only hiccup so far has […]

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It’s probably a good time to look at your mortgage

According to Freddie Mac, the average rate on a 30-year fixed mortgage is currently 3.41%, while the average rate on a 15-year fixed mortgage is 2.74%.  Both of these numbers are close to all-time lows, after the ‘Brexit’ vote caused a flight to U.S. Treasury bonds in the face of global uncertainty.  When investors flock […]

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Opportunistic Pricing

Adjusting prices to reflect shifts in demand is hardly a new concept.  However, the concept seems to have gained an increase in visibility with Uber’s introduction of “surge pricing”, an effort to match demand with the availability of drivers.  Unlike traditional enterprises, Uber depends on their driver’s making themselves available.  Presumably, surge pricing would encourage […]

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