A Potentially Important Shift In Income Demographics for Home Loans

(This is an excerpt from an article I originally published on Seeking Alpha on September 29, 2014. Click here to read the entire piece.) I have written before that home builders have focused on building for higher income buyers and mortgage financing has been restricted to the well-off. It turns out things are not quite … Read more

Insurance Policies for Financial Stability: the UK Tightens Housing Policies and Further Tunes Its Warnings

(This is an excerpt from an article I originally published on Seeking Alpha on July 21, 2014. Click here to read the entire piece.) “Historically low levels of interest rates globally and the current backdrop of low volatility across financial markets may encourage market participants to underestimate the likelihood and severity of tail risks. There … Read more

Growing Stalemate: Housing Starts, Affordability, and Sentiment Versus Student Debt

(This is an excerpt from an article I originally published on Seeking Alpha on May 20, 2014. Click here to read the entire piece.) The U.S. Census Bureau and the U.S. Department of Housing and Urban Development (HUD) released on Friday the numbers for April housing starts. The continued increase in housing starts confirms the … Read more

T2108 Update (March 26, 2015) – S&P 500 Reverses Post-Fed Gains – Waiting On Oil and Gold to Follow

(T2108 measures the percentage of stocks trading above their respective 40-day moving averages [DMAs]. It helps to identify extremes in market sentiment that are likely to reverse. To learn more about it, see my T2108 Resource Page. You can follow real-time T2108 commentary on twitter using the #T2108 hashtag. T2108-related trades and other trades are … Read more

Internet Stock Valuation Update: Did Twitter Blow Off A Top?

Yesterday, March 24th, Twitter (TWTR) made an impressive breakout above the $50 battle line which defines the TWTR’s intraday high on its first day trading. Seeing the bullish move, it occurred to me I had not updated my comparison chart of internet stock valuations in a very long time. As luck would have it, I … Read more