Vehicle Sales: Fleet Turnover Ratio

Back in early 2009, I wrote a couple of posts arguing there would be an increase in auto sales – Vehicle Sales (Jan 2009) and Looking for the Sun (Feb 2009).   This was an out-of-the-consensus call and helped me call the bottom for the US economy in mid-2009. I wrote an update in 2014, […]


How to Pay Off Debt on a Low Income

How to pay off debt is a question many of us ask ourselves. Paying off debt is one of the hardest things most people have to do. It takes a tremendous amount of self-discipline and goal setting to pay back massive amounts of debt, no matter the income. As many people can relate, there is… […]

Real Estate


Some Highlights: Owning your own home vs. renting may lead to some great options, such as locking in your monthly payments and having the freedom to customize your living space. Whether you rent or own, you have to cover someone’s mortgage costs. You may as well be doing so to build your own wealth, rather […]


The increasing indebtedness of UK households

Charles Adams, who is a regular commentator here, an occasional blogger at Progressive Pulse and a professor of physics at Durham University posted this comment on Twitter last night: Charles raises an excellent question. Like many such questions in social science you could spend a fortune trying to answer it or I could speculate now. […]


Why bonds are now the better hedge

This is not a year in which investors have needed to hedge their equity risk. As of this writing, stocks have not only rallied, they’ve rallied with a consistency last seen in 2017, at least until the last day of July and the first of August. But as investors look to protect gains and seasonal […]