The U.S. economy is bifurcated. Jobs, personal income, auto sales and savings are in the plus column on the consumer side. Housing is reasonably affordable and undersupplied relative to the formation…
Spectrum Asset Management continues to honor the adage of "the return of one's capital is more important than the return on one's capital." Protecting capital has been paramount because deflation, economic…
Women live longer and are more likely to live alone for significant periods of time. Our workplace participation is often intermittent, and the care of dependents usually falls to us…