student loans

Millennials Have Less Assets Than The Prior Generation

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Many consumer confidence surveys depend on how people feel about their own lives since it’s what they know best. If they are asked about the economy, their answer probably tells us about their job prospects more than anything. Confidence is really high before recessions because that’s when the labor market…CONTINUE READING

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

Are You Paying For Your Neighbor’s Vacation?

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Financial security and stability have immense value just like any product or service. It can become a product as is the case with insurance. It’s clear financial stability has value, but how do we pay for it outside of insurance? The two most prominent ways we pay are through delayed…CONTINUE READING

Student Loans – A Generational Disaster

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One of the biggest generational differences which causes a disconnect between baby boomers and millennials is student debt. Many baby boomers are confused why college graduates don’t immediately move out of their parents’ house like baby boomers did. The issue is that once a student graduates, they become debtors. It’s…CONTINUE READING

Student Loans Are Not Like Housing Bubble

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It’s widely known that the financial sector has become more centralized because of the mergers between some of the banks and other financial institutions during the financial crisis something we discussed in depth in Are Too Big To Fail Banks Safe?. For example, Bank of America acquired Merrill Lynch and…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

Should I Go To College?

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For decades the automatic response for the question of “should I go to college?” was a resounding yes. However, with education becoming so ubiquitous through the spreading of the internet, and the cost of going to college highest ever, the answer to that same question today is more nuanced. The…CONTINUE READING

Corporate Debt Highest Ever – What Does It Mean?

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In previous articles, the groundwork for how the current financial bubble was created has been explained. You can read them here, here, or here. To summarize, central banks have collectively pumped trillions of dollars into the system by buying assets. This lowered fixed income yields to record low levels. There…CONTINUE READING

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