Archives for May 2023

May 11, 2023 The concept of the property ladder in Real Estate is simple.  A buyer starts with a "starter home" at a younger age, then moves up to a bigger house as say, their growing family needs that.  There may be another move up into an even larger home as kids age, school choices change, etc.  This might be the "forever" home.  At some point then, there may be a Continue Reading

May 3, 2023 Many of my recent posts have been pessimistic in nature about the current state of the local Denver and Colorado Real Estate markets.  Prices are declining, and the prices, both in real (accounting for inflation and interest rates) and nominal terms are higher than they have ever been in history.   It's been a bit of a falling knife right now with housing.  If you Continue Reading

May 2, 2023 There have been numerous bank failures in the US over the past few months. The main cause for the failures has been deposit flight (customers with deposits pulling their deposits from the bank). A bank does not keep very much money liquid on hand to cover a very large percentage of customers who would like to withdraw all their deposits. When this happens at any sort of scale, the Continue Reading