In 2000 when the tech bubble burst the pain hit close to home and everyone knew it was a problem.  The 2008 housing bubble burst hit directly at our homes and we all were very aware of the problem.  Another bubble has burst but many have not yet realized it as a problem.  In fact,.. read more →

As a football fan there is nothing that I hate worse than losing.  My second most hated aspect of football is the dreaded “prevent defense”.  If you ask the coach I’m sure you would hear that the “prevent” is implemented to prevent losing.  Ok.  So, understanding that, it’s easier for me to understand the question.. read more →

All major asset classes with the exception of the NASDAQ and long term Treasury Bonds experienced losses during the third quarter.  See Chart: 3rd Quarter Performance YTD Performance (Oct 27th) DJIA -.0013 1.46 S&P 500 -.0070 6.13 NASDAQ 2.91 7.41 Foreign -7.33 -7.77 Emerging Mkts -5.83 -2.62 Commodities -9.34 -4.10 Real Estate -3.53 21.82 Russell.. read more →

My daughter recently returned from her bi-annual Mexico mission trip.  Since she was about 6 years old she has joined other kids from her youth group going to the Tijuana area to work in orphanages and a women’s shelter sponsored by our church.  I am very grateful for her involvement in the program and the.. read more →

My wife is a very sweet person with many friends.  The other day one of her lifelong friends stopped at our home while traveling from central Florida to her new home in Oregon.  She used GPS to find her way into our neighborhood with no problems, especially since she had made the trip several times.. read more →