Author: Danny

Will Social Security Be There For Me?

It seems as though anyone who has thought about their income in retirement has asked whether Social Security will be around after they retire. I think there are three important points in regard to this question. First, there are several options for fixing the system. This article http://www.bloomberg.com/graphics/2016-saving-social-security/ provides an excellent layout of the available options […]

Falling Food Prices

The US Department of Agriculture reports that food prices have fallen for each of the last 9 months – the longest streak of food deflation since 1960. It’s being attributed to lower oil and grain prices, and cutthroat competition.

A Role Model and Encourager

On April 22, a few days after watching the Golf Channel documentary “Arnie,” Adam, 21, a keen golfer himself, wrote a letter to Palmer on behalf of his younger brother Nate, asking if he “could possibly write Nate a letter wishing him good luck in college and providing him some advice along the way.” He […]

Market Update

Stocks suffered their largest weekly decline since the start of a year, due almost entirely to a sharp sell-off on Friday.  Friday’s plunge marked the end of an extended period of light trading activity and relatively stable stock prices.  For the week, the Dow Jones Industrial Average fell -406 points to 18,085 down -2.2%.  The […]

Home Ownership

This speaks to the difficult situation face by renters who would like to buy a home. Home ownership rates have been on a steady decline and are now near a 48-year low (see the chart below).  Adding to the difficult situation is that real household incomes have dropped 9% while rents have increased 7% over […]

Yield on 30-Year Treasury Bonds

The chart below shows the yield on 30-year Treasury Bonds from 1982 to July, 2016 – a decline of almost 86%.  In 1982, a 30-year Treasury Bond would yield over 15%.  Today, the 30-year Treasury yield is 2.1%. In 1982, one could plan their retirement using what is considered to be the most secure source of […]