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Check Your Rate…Again

As of September 16th, 2020, the Bankrate weekly mortgage rate survey has once again touched all-time lows with the average 30-year fixed rate mortgage sitting at 3.09% and the average 15-year fixed rate mortgage coming in at 2.53%. For homeowners who have a mortgage, many have already taken advantage of falling interest rates by refinancing […]

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“If we make it through December”

This is the title and first line of a Merle Haggard song.  The second line is, “Everything’s gonna be all right I know”.  Thinking about the message in the song, which was written in 1973, and looking at where we are now, provides some food for thought.  By the end of December 2020, the election […]

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How Bad is Bad?

We can probably all agree that Covid-19 is bad, causing unacceptable death rates, hospitalizations and economic pain.  How bad?  Commentators have sought to find comparable events in an effort to measure the potential long term impact of the pandemic.  While this is of obvious importance to investors, definitive answers are hard to find.  Most observers […]

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The Alphabet Recovery?

Almost immediately after the Covid-19 induced March collapse in stock markets and the economy, the usual pundits began to speculate on the timing and shape of a possible recovery.  The most optimistic were talking about a V shaped rebound with a rapid and broad recovery to pre Covid-19 levels.  A more cautious group were contemplating […]

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Economic Bifurcation

The U.S. economy appears to be bifurcating at an unprecedented rate.  Unemployment, particularly in the service, retail, live entertainment, hospitality and other sectors is epidemic, while many professionals, able to work at home, are maintaining their income, enjoying a lower cost of living, and for some, significant gains in their corporate stock plans. Pandemic driven […]

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The Rule of 72

Investopedia defines the rule of 72 as a quick, useful formula that is popularly used to estimate the number of years required to double the invested money at a given annual rate of return.  Of course, there are calculators and spreadsheet programs that can accurately calculate the precise time required to double invested money to […]

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