- Business, Economic, Real Estate, and Investment Updates
- Economic Facts on Immigration, Budget Deficits and Inflation
- Politicians Hinder Fight Against Climate Change Increasing Costs
- The Age of Loss and Damage
- Tipping Cascades, Social-Ecological Systems, and the Hottest Year in History
- The Original DJT Ticker Symbol: Donald T. Trump
- The Economics of Turning Water Into Energy (Updated)
- Who needs flood insurance? (And why not to buy real estate in a flood zone.)
- The Cost of Pollution and Global Warming
- U.S. Mass Consumption Results in Global Economic Disparity, Inequity, and Poverty
- Democracy and Inequality in the USA
- Inequality in the USA Distributional National Accounts
- Trade Wars, Teriffs, Taxes and Trade Restriction
- FUD (Fear, Uncertainty and Doubt)
Using fear, uncertainty and doubt in marketing and politics.
- The Tunnel Under Thesis
The impact of governance and globalization on forecasting.
- The Archive Vault
Investment Recommendation: I Bonds and T-Bills
One of the best investments is Treasury Direct I Bonds. I Bonds' interest rates are determined by the rate of inflation.
I Bonds can be purchased directly from the Treasury Department
without a middle man, brokerage, or bank. There is no risk of losing your principle investment. They are redeemable after 12 months
with three months interest penalty. No penalty after 5 years. The maturity is 30 years. Tax reporting of interest can be deferred
until redemption or final maturity. If you use the money for qualified higher education expenses, you may not have to pay tax on the earnings.
The bulk of 2023 new investments was in 4-week Treasury Bills. In 2024, the recommendation for younger investors shifted to a 10% holding in 2-year Treasury Notes. Those in or close to retirement age are better suited to remain fully invested in 4-week Treasury Bills.
Savings / Asset Allocation (< 50 years old)
66% Real Estate *
20% Stocks
10% Treasury Bills
2% Treasury I Bonds
1% Precious Metals / Crypto
Savings / Asset Allocation (> 50 years old)
66% Real Estate *
20% Treasury Bills
10% Stocks
2% Treasury I Bonds
1% Precious Metals / Crypto
* Why All Real Estate is at Risk