Household Debt

Past & Future US Equity Performance

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Everyone knows the bull market is 9 years old; it is the longest bull market ever. However, the length of the bull market is largely irrelevant because it came very close to ending. It’s arbitrary to say a bear market is a 20% decline, but not a 19% decline. Returns…CONTINUE READING

Is The Consumer Healthy Or Indebted?

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Dire Or Choosing Not To Save? The health of the consumer is a hotly debated topic because stats are cited that show a large percentage of Americans don’t have much saved for retirement, yet the unemployment rate which is not a perfect measurement is at 4.1% which indicates a healthy labor…CONTINUE READING