The Opportunities Presented by a Volatile Market

For investors, market volatility can be a painful thing, particularly on the down days.  No one likes to see the value of their portfolio go down, but every downturn comes with potential opportunities.  However, as emotions can run high, along with volatility, it is important to maintain portfolio discipline, staying with your long-term game plan, … Continued

When Are You Too Old?

There is plenty of anecdotal evidence that suggests that we tend to age at different rates.  Tom Brady may be Exhibit A on the plus side.  The importance of the apparent differences in aging rates clearly varies with career choices. We know that human faculties decrease with age.  Declining vision, hearing and cognition can affect … Continued

A Rising Tide Lifts All Boats

This is a concept that suggests that improvements in the general economy will benefit all participants. All well and good, but what if you don’t have a boat.  A strong economy can benefit workers, with improving wages and expanded employment opportunities. Investors can benefit through rising asset prices, as witnessed by the very strong recovery in … Continued

Consent of the Governed

“Consent of the Governed” is a phrase found in the United States Declaration of Independence. In political philosophy, the phrase, consent of the governed refers to the idea that a government’s legitimacy and moral right to use state power is only justified and lawful when consented to by the people or society over which the … Continued

Brain Drain

“Brain Drain” is a slang term describing a substantial emigration or migration of individuals, particularly a core portion of highly educated individuals such as; doctors, healthcare professionals, scientists, engineers or financial professionals. A brain drain can result from turmoil within a nation, the existence of favorable professional opportunities in other countries, or from a desire … Continued

When Cash is Embarrassing

Last June we posted a blog titled, “Is Cash Obsolete?”. Apparently, cash is becoming obsolete in certain situations, particularly for some smaller establishments, such as bars, restaurants, hair salons and coffee shops.  While no specific data is available, anecdotally, it appears that many businesses are no longer willing to, and are not equipped to, accept … Continued

Low Unemployment a Plus for the Disabled

As employers face increasing difficulties in attracting entry-level workers, some companies have been pursuing more constructive strategies for developing opportunities for the disabled. Along with low unemployment levels and a gradual increase in work force participation, the available data indicates that the disabled are now also part of the trend. The average unemployment rate for … Continued

Green New Deal

According to Wikipedia, the Green New Deal (GND) is any of several proposed economic stimulus programs in the U.S. that aim to address both economic inequality and climate change.  The name refers to the New Deal, a combination of social and economic reforms and public works projects undertaken by President Franklin D. Roosevelt in response … Continued

Coal

Years ago, in response to Los Angeles smog, Johnny Carson reputedly quipped, “I don’t trust air I can’t see.”  Maybe so Johnny, but your lungs and eyes understand the health benefits of clean air.  Scientists and policymakers generally agree that the world will have to quit coal to have any hope of restoring universal air … Continued

“May You Live in Interesting Times”

According to Wikipedia, this is an English expression purported to be a translation of a traditional Chinese curse.  While, at first glance, this may be seen as a blessing, it is normally used ironically, with the clear implication that uninteresting times of peace and tranquility are more life-enhancing than interesting periods, which, from a historical … Continued

Will Social Security Run Out of Money?

The short answer is no, but the value of benefits may erode over time. The long term viability of the Social Security program is a recurring topic.  Recently, the Social Security Administration reported that this year retirement benefits paid out each month are exceeding the tax revenues and interest that fund the program.  Consequently, it … Continued