Climate Change and Investing

There really shouldn’t be any question that climate changes.  The real issues are; what is the rate and direction of change, what is causing it, what can or should be done about it and what makes economic sense? These are important questions.  Unfortunately, they would be difficult to answer under the best of circumstances, but … Continued

Measuring Change

In the financial markets, change tends to be measured in one of two ways, numerically, that is, the Dow Jones was up 100 points today, or, as a percentage, the Dow Jones was up approximately 0.5%.  While both methods of measurement say the same thing, under some circumstances they may not be immediately seen as … Continued

“Somewhere West of Laramie”

So began a 1923 magazine advertisement that became legendary.  The ad was developed to sell a car, the Jordan “Playboy”.  Previously, car ads concentrated on practicalities, such as engine size, the number of forward gears and special features.  “Somewhere West of Laramie” changed all that, to highlight the automobile as a path to adventure, as … Continued

Corporate Governance/Shareholders’ Rights

According to Wikipedia, corporate governance broadly refers to the mechanisms, processes and relations by which corporations are controlled and directed.  Governance structures are intended to identify the distribution of rights and responsibilities among different stakeholders, including; boards of directors, management, employees, shareholders, creditors, auditors, regulators and others. Interest in the corporate governance practices of modern … Continued

The Financial Pitfalls of Living “Large”

It’s not a news flash that saving money is hard, really hard.  There is plenty of advice around with a wide variety of suggestions.  Anything you do to cut back can help.  However, the biggest opportunity may lie with your biggest, overall, long term expense, your residence. Some things to consider.  How much home do … Continued

Regulations and Speed Limits

Over the last several months there has been a lot of discussion regarding regulation.  Much of the discussion has tended to focus on regulation as an instrument to further controversial policies.  It is important to recognize that regulation is not inherently bad.  Society needs constructive regulation in order to function and provide all parties with … Continued

California Water Conditions Update

California is seeing a marked improvement in the availability of water supplies, which has led several water agencies, including San Diego and Orange counties, to declare an end to drought conditions. The gains are significant.  The early February survey, conducted by the California Department of Water Resources, indicated that the statewide snow pack stood at … Continued

Nuggets from The Oracle of Omaha

Warren Buffett sent his letter to shareholders over the weekend.  While there are so many factors that make him possibly the greatest investor, his ability to communicate with the masses has to be near the top of the list.  While not everyone wants to read the entire 28 page letter (although I would recommend it), … Continued