Recent content by Freedom56

Or no threat at all, but an opportunity to make more income.

We are on the verge of returning to the pre-2008 yield curve. Stay focused. Some of us want JP Morgan 10 year notes at 8%. When that happens it will be caviar, lobster tails, scallops, and USDA prime steaks.

It's encouraging to see that other people understand arithmetic. I thought I was in the Rod Serling's Twilight Zone for a time.

Just the aerial shots. DJI Air 2S but most of the video was shot with a Lumix G9 handheld.

Here are some of my clips mixed with terrestrial shots. They were shot just over a month ago in Geneva Switzerland.

Notwithstanding the fact that one third of homeowners own their properties free and clear, the vast majority of homeowners who have mortgages are locked in to record low yields. Those people are not budging and are really not impacted by the higher cost of borrowing. This is keeping inventory...

Here are some more thoughts on this. 5% Interest Income from CDs, T-Bills, Money Markets Fueled Spending. "Interest income to households is surging, fueled by 5% money-market funds, 5.2% CDs and Treasury bills, 4.5% savings accounts, and other fixed-income products that people have...

Wait for the BLS numbers tomorrow.

That pretty much describes us, my siblings, my in-laws, our next generation of trust fund children, most of my friends that have retired early, many of my neighbors. Those that are 100% debt free , have control over their expenses and spending habits, and have capital, will thrive in this...

It's $6300 per month or $75,600 per year. It don't understand how you lose $8000 by earning $6300. With your logic, anyone who is cash sorting by moving their money to higher yielding fixed income is losing money so they should leave it alone and earn less. Does that make sense? We are in a...

Some of us have zero exposure to equities and are 100% cash and fixed income. Some have rental properties and zero exposure to both bonds and equities. It may surprise many people that many those who invested in real estate over the past 30 years have achieved a significant level of wealth...

Yes. First and foremost, the default risk for "A" rates notes is extremely low. But a AA rating versus an A rating allows the issuer to price their notes to a lower spread relative to treasury notes.

Okay got it. I'll make a note of your points for the next BBQ. 1. It's better to earn $90 per year than $6300 per month ($75,600 per year) for the same capital. 2. Inflation is making the $75600 worth a lot less so earning $90 a year is better. 3. You will have much less purchasing power...

TD bank has a strong capital position (better than any North American Bank right now). Duration is also a factor in assessing risk in a corporate note. So the rating agencies are saying that over the next 14 months, the risk is lower than 5 years.

A 100% return of capital at maturity is a powerful feature of a fixed income ladder. Rolling maturities and coupon payments over to higher yields as rates rise is a bonus. Keeping durations relatively short, will keep you out of trouble.