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The 35 year bull market in bonds from 9/81 through 7/16 saw yields on the 10-year US treasury fall from 15.32% to 1.50%. The average annual return during this period was 9.07%. It looks as if interest rates have bottomed and we are now starting a possible bear market phase. The last bear market phase for bonds lasted from 4/54 through 9/81 where yields went from 2.29% to 15.32%. The average annual return during this bear market phase was 2.69%. It is extremely likely tha

Men and women with Bachelor's degrees earn more than those with just a high school diploma. People with Advanced degrees earn more than Bachelor's degrees. Is the extra income that comes with the degrees worth the investment of time? This analysis assumes room and board costs are equal for those working or attending school. The cost of attending school averages $34,730 per year for tuition and fees at private colleges versus $10,880 per year for tuition and fees at public c

Most people work for companies looking to make a profit. These companies attempt to hire people that will help them achieve their goals. As a worker, having skills that companies need will keep you in demand and help you get a higher salary. There is a correlation between education level and income level(1). There is also a correlation between education level and employment level(2). 1)http://www.epi.org/data/#?subject=wage-education 2)https://fredblog.stlouisfed.org/2014/

Another potential problem of using margin to create leverage in an account to boost returns by boosting Beta is the problem of market drawdowns. The maximum margin debt to account value is 50%. This would give a beta of 2. The account equity is the account asset value minus the margin debt. There is a minimum margin maintenance requirement of 30% account equity to account value. Periodically the market as defined by the S&P 500 has lost 40% or even up to 50% of its value.