Recommended Reading- Inflation: A Guide for Users and Losers
This book is a worthy read for people who want to understand inflation, as opposed to simply yelling at it. It is authored by two...


Auto Loan Delinquencies Rise
This chart that appeared on my timeline reminded me of the travails of one of the victims of the 2008 crisis. For the uninitiated, the...


All Right, Enough
With January 30th's Fed decision, and the oceans of "analysis" and media blathering behind it, it's time to take a hard look at what the...


"All Real Estate Is Local"
With apologies to Tip O'Neill, there's been some talk about housing costs finally trending down. Regular followers know I've been ranting...
How Interest Rates Can Go Both Ways
The general public is often confused as to how the world works when it comes to economics (the responses to the monthly jobs reports is a...


Biden's Title Insurance Reform
One of the unappreciated parts of President Biden’s economic policies were the efforts to reduce the burden of costs on average citizens....
A Lesson From a Past Election
There have been some surprising results in past elections as well as this one, and there are some lessons to apply. I remember back in...


Revisiting The Original "Big Lie"
I was reminded the other day of the power of narrative in this country, and how disinformation promoted on a mass scale can lead a huge...


A Brief History of Credit Scoring
Years ago, when I was employed in the mortgage business, a new way of mortgage underwriting was born: credit scoring. Prior to this,...
Have We Hit Peak Gasoline?
Carl Quintanilla of CNBC posted this chart on "X' for a conversation about gasoline prices. As I've mentioned before, as a percentage of...

