Archive for March, 2010

Expect More Mortgage Defaults

Thursday, March 18th, 2010

You are a 62 year old baby boomer and buy a home in 2006 for $385,000 and today it is worth $200,000.  Your payments are now $2,333 per month (principal & interest) and probably $500 per month in taxes and insurance or a $2,833 house payment.  The following table shows ...

The Great War of 2012 (A Micro-Novel)

Wednesday, March 17th, 2010

In looking back to the spring of 2010, politicians promised us that blue skies were ahead.  Little did we realized “blue” meant doom and gloom.  The economy improved in the 2nd quarter of ‘10 but the increase gasoline prices proved to be a bigger drag on consumers than economists had ...

Inflation versus Deflation- The Battle continues

Saturday, March 13th, 2010

Debt deflation is occurring in the residential and commercial real estate sector.  For most, the house is their largest asset AND their largest liability.  In the U.S., the residential market is dismal.  In our neighborhood, houses typically sell in weeks but there are a couple of listings in immaculate shape ...

Rogue Events

Sunday, March 7th, 2010

Technical traders, economists, and politicians make decisions on probability and THAT can be a problem.  Man’s reasoning does not account for the unexpected or it would be “expected”.  Our Heavenly Father has the benefit of knowing all things including rogue events, black swans, or tsunamis.  The last several days has ...

The Essence of Love

Friday, March 5th, 2010



The Collapse of Complexity

Thursday, March 4th, 2010

“Complex societies in the ancient world could collapse when the marginal costs of complexity got to the point where the returns on that complexity had vanished: basically, the cost of civilization got too high.” J. Tainter Having been in the finance and technology arena for 37 years, I am ...

Egocentric Living

Tuesday, March 2nd, 2010

Three aspects of egocentric living are: requirement of a “comfort zone”, constant affirmation, and a bubble of support. The comfort zone is intended to protect the individual from any outside influence that might weaken the ego or the illusion the person is living under.  This illusion may be a ...