tag:blogger.com,1999:blog-8566757574668004451Thu, 19 Mar 2026 17:16:50 +0000Political EthicsGreensboroGuilford County and North CarolinaEconomic EthicsRisk amp; ReturnCPA Continuing EducationRisk and ReturnDebtGuilford CountyAccounting EthicsBudget EthicsFinancial EthicsNorth CarolinaMonetary EthicsBusiness EthicsTax EthicsCognitive DissonanceGeorge HartzmanGenerational EthicsCommunication EthicsBailoutPlanMunicipal EthicsJournalism EthicsFederal ReservePhilosophyRevolutionary EthicsLegal EthicsWells FargoMilitary EthicsSECChessWhat to do NowriskZack MathenySocial SecurityStrategyWhistleblowerThink Does Not = ChessEthicsFINRAHealthcare EthicsCampaign Finance EthicsRobbie PerkinsPay to PlayPeakInsider TradingRhetorical EthicsSecurities FraudLegislationReal EstatePolitics = Chessgreensboro city councilCrony CapitalismFinancial Journalism EthicsJohn StumpfPeak CreditUrban LoopFoodLosingPolitics does not = ChessPopulation amp; ClimateAuditing EthicsGhost ClosetCampaign Finance ReformNeedThink = ChessWant amp; HappinessCaliforniaFunPolitical Journalism EthicsCPA EthicsDeepProfoundQuotesScience EthicslobbyistInfluenzaPeak OilSarbanes Oxley1873EnvisionForeclosure EthicsMedicareRegulatory EthicsSelf DealingSkip AlstonSwine FluWachoviaDon'tDon’tKay HaganNorth Carolina CPA CPERobert SteelSecret LoansTax CutBen BernankeConsumerismIranObamaReligious EthicsWhite Street LandfillCity of GreensboroClimate ChangeCone HealthDOLGreensboro News and RecordHealthcareHoward CobleMatt TaibbiNancy HoffmannNancy VaughanRoy CarrollTax DealThinkpillsbury lawtrebicGoldman SachsGregory KeatingHartzmanUnemploymentWarren BuffettWells Fargo Board of Directorsguilford county commissionersBrad MillerCPA CPEFiduciary EthicsGreeceGreensboro Healthcare MonopolyJP MorganJim KeeOSHAPCAOBRashad YoungTwo-Thirds Bondsbudget deficitcampaign contributionsCity CouncilDavid HaganDowntown GreensboroGPACInflationJohn HammerMark WalkerPerforming Arts CenterRegulatory CaptureTALFTerm LimitsThings to SayWalker SandersYvonne Johnson401kBank of AmericaChartsCivil RightsDon VaughanEuropeFRBFirearmsIRSIrelandJamie DimonJay OvittoreMarlene SanfordMary Jo WhiteMedicare Part DMiscellaneousObamacarePhil BergerPolitical Action CommitteePonziRush LimbaughSimkins PACStatisticsThom TillisTobaccoTriadwatchWells Fargo Advisorsinvestigative reporting457 plan4FrontAvatarBernankeBirth DeathBloombergBritney SpearsCOVID-19Campaign FinanceConflict of InterestCongressCongressman Brad MillerCraig SapersteinDarrell IssaDeficitDenise Turner RothDinner Table QuestionsEducationEuroFiat CurrencyFraudGay MarriageGreensboro CorruptionHank HenningJeff PhillipsJim MelvinJohn KerryKathy ManningLittler MendelsonMSMMarcus BrandonMarty KotisMetaphysicsMichael BloombergMike WinsteadMitt RomneyNonfarm PayrollsOccupyOil SpillRatingsRepublicanRevaluationRon PaulStable ValueTax BillsTax CutsTax PreparationUnfunded LiabilityVideoboards and commissionscampaign contributions in guilford countycampaign ethicsconflicts of interesthappinessACAAICPAAdd new tagAlma AdamsAmanda LehmertAstrophysicsBB&TBBTBPBankBerkshire HathawayBetty ConeBigotryBruce DavisBruce VonCannonBudgetBudget CutsCFACFPBCampain CoverageCentral BankCentre PointeChartChinaCode of EthicsCosmologyCurrency DebasementDaniel StefekDavid MasseyDeflationDistrict 6Doug ClarkDowntown Greensboro Inc.EarmarksEconomic StatisticsEfficiencyElectionEvolutionary EthicsGay Marriage AmmendmentGoldGreensboro PartnershipGreg BrannonHank SanchezHartzman Tax & FiduciaryHealth Insurance EthicsHoward AtkinsIsraelJeff GaugerJim BunningJohn BlustJohn WhiteJr.Kelly KingKen LewisLeverageLos AngelesLouise BradyMark HarrisMetaphysical CosmologyMichael MashburnMonopolyMujeeb Shah-KhanNew Year ThoughtsNido QubeinNiels BohrNorth Carolina Board of ElectionOccupy TeaPPIPPay GoPerella WeinbergPhysicsPolitical TransparencyPortugalProtest PetitionQuantatative EasingRandall KaplanRating AgenciesRay GraceReal Estate RevaluationRetirement Plan EthicsRhino TimesRolling StoneSlush FundSpainSyriaTax increaseTeen CurfewThings to teach your kidsVirginia FoxxVolcanoblogshurricanelocal non profitslocal politicianstacticsthanksgivingzoning issues#WFC$WFC19182021 Federal Income Tax Deadline23%25%3.8% Medicare Surtax403b457501(c)(6)6th DistrictABC Consumer ConfidenceACC Hall of ChampionsAFL-CIOAaron LandryAbortionAdam SmithAdverse Employment ActionAffordable Care ActAl GoreAl JazeeraAlan BransonAllan SloanAlly FinancialAmendment OneAmerican EthicsAndrew BrodApril FirstArnold KlingAssessed ValueAssessmentsAttachmentAuditAutomobileB. Davis HorneBJ BarnesBaker MitchellBarack ObamaBen ChavisBernie MadoffBev PerdueBibleBill BenciniBill BrysonBill GatesBilly YowBirth ControlBlankfeinBrady TraneBrazilBrian CraigBrian GreeneBrian MoynihanBruce BartlettBruce KrastingBruce Von CannonBryan FoundationBuddhaCAFRCBOCFGGCPACPECPECandidateCandidate QuestionnaireCapacity UtilizationCarl SaganCarmen SegarraCarole BruceCarolyn ColemanCash for ClunkersCatholic ChurchChained CPICharitable Remainder TrustCharles GrassyCharles Hugh SmithCharles OakleyCharles SchumerCharter SchoolCholeraChristianityCitigroupClimate EthicsCoincident IndicatorsCold WarCommunity FoundationCondoCongressional Budget OfficeCongressmanConsumer SentimentCrookedCubaCurrencyCurrency WarCurrent MediaCurrent TVCyberwarCynthia H. MilliganDGIDOJDan FroomkinDanny ThompsonDave HoytDavid ColinDawn ChaneyDayton OhioDebt LimitDeep ThoughtsDefaultDemographic EthicsDemographicsDennis KucinichDescartesDetroitDick CheneyDinner DebateDistrict 2DoDoc FixDon WebbDowngradeDukeEFSFEGTRRAESMEUEarl JonesEconomic Impact StudyEd ConeEd WolvertonElectoral EthicsEnrique HernandezEntitlement EthicsEntitlement ProgramsEric CantorEric HolderEthics CodeEurope Ash CloudEurozoneExistentialismExisting Home SalesFDICFOIAFTCFact CheckFair WhistleblowerFannie Mae and Freddie MacFederal Trade CommissionFinancial BubblesFinancial ConsultantFirst MemoryFiscal CliffFiscal IrresponsibilityFood and PopulationForbearanceFractional ReserveFrank DoddFrayda BluesteinFrontlineFund BalanceGermanyGladys RobinsonGlobalizationGodGovernment FraudGreat DepressionGreensobo ColiseumGuilford County SchoolsHSBCHaitiHank PaulsonHarrisburgHarry MarkopolosHartzman's InquisitionHatchet ActHateHate SpeechHenry PaulsonHenry SanchezHomeland SecurityHourly EarningsHubbleHuffington PostHyperinflationIllegal ImmigrationIllegal LobbyingIncineratorIncome TaxIndifferenceInternet EthicsIraqItalyJGTRRAJaime Levy PessinJamal FoxJames AhlerJanet CowellJason CannonJeff NimmerJeff SessionsJim CramerJim WebbJobsJoe KillianJoel HyattJohn BoehnerJohn CornynJohn D. Baker IIJohn FairclothJohn HussmanJohn McCainJohn Quincy AdamsJohn ThainKPMGKay CashionKirk BellKirk PerkinsKirsten GillibrandKleptocracyLamar AlexanderLanny BreuerLaura FjeldLawyer EthicsLeading IndicatorsLegal BriberyLegal NoticeLen LucasLeon ThreattLeonard Pitts Jr.LibertarianLinda ShawLisa Johnson-TonkinsLloyd H. DeanLouis BrandeisM2MEDEMaggie JeffusMapsMark OmanMark TwainMary RakestrawMary VigueMass LayoffsMaterial FactMatt BrownMatthew EisleyMayorMedicaidMerkelMichael KinsleyMicheal CembalestMike BarberMike CauseyMilton KernMishMisrepresentationMitch McConnellMorgan StanleyMort ZuckermanMurrowMust ReadNAACPNC BarNC TreasurerNCACPANCCOBNCDOINancy PelosiNatural ResourcesNeed and WantNew Irving ParkNewbridge BankNews and RecordNiall FergusonNicholas G. MooreNorth Carolina BarNorth Carolina General AssemblyOCCOHSAOIGOPEBOff Balance SheetOil AccountingOmissionOyster ConsultingPAYGOPatrick LeahyPatriot ActPaul GibsonPaul RyanPaul TustainPension AccountingPension DeficitsPerrella WeinbergPhilip J. QuigleyPicturePlagiarismPlutocracyPolitical Action Committee. trebicPopulationPornPornographyPotholesPrayer in SchoolPricey HarrisonProfessional MisconductProgressPropagandaPublic CorruptionPublic SafetyRUCORacismRand PaulRandall KapalanRay TrappRebellionRecovery Zone BondsRecuseReid PhillipsReligionRental InspectionsRequired EthicsRichard BurrRichard DawkinsRichard W. FisherRobert L. JossRobert LuddyRoch Smith Jr.Rules of Professional ConductRussiaSGRSamuel JohnsonSantorumSaudi ArabiaSchaubleSean HaughSecond WaveSenateSentor Jay RockefellerSexShell GameSocratesSovriegn DebtSpanish FluSpending billSphinxStagflationStan BinghamStatistical EthicsStephen FriedmanStephen HawkingStephn HawkingSteve SangerStimulus MoneyStreet ResurfacingStreet SystemSusan G. SwensonSustainable Healthcare physician Growth RateT. S. EliotTAFTAF. TALFTARPTasha SheehyTax AssessmentTax Refund DelayTax RevenuesTax ScamTax WithholdingsTelevisionTerm Auction FacilityThe EnlightenmentThomas CarruthersThomas JeffersonTim GeithnerTom KoonceTony WilkinsTrade DeficitTrader Joe'sTreasonTreatyTyler DurdenUS BudgetUS CongressUSAUnionsVenezuelaVenn DiagramVince CoakleyVirginiaWarWar CrimeWar Memorial StadiumWendell RothWilbur RossWilliam PetersonXXXdemocratseulogyfungibleguilford county board of electionsguilford counyhartzman.blogspot.comhigh point city councilhistorync billsnonprofitnorth carolina general statutesrepublican partyspecial interest grouptimelinetransparencyyoutubeTax Preparation, Contrarian Financial Consulting, Investment, College & Estate Planning, Debt, Property & Business Consigliere Advisory, Healthcare, Home, Auto & Business Assurance Consulting https://hartzman.blogspot.com/noreply@blogger.com (Unknown)Blogger3172125tag:blogger.com,1999:blog-8566757574668004451.post-795117377227197545Mon, 09 Feb 2026 15:15:00 +00002026-02-09T10:15:28.333-05:00"According to the BLS, the cost of health insurance is down 32% since 2022."Always an adventure calling the IRSMe: "Hi, I'm calling about penalty relief for my client. He's disabled and --"Agent: "What's the account number?"Me: "He lost his job. Couldn't afford to file. He has severe anxiety and --"Agent: "I see. The penalty is $847. Next?"Me: "His anxiety is documented. He's been struggling for https://hartzman.blogspot.com/2026/02/stuff-292026.htmlnoreply@blogger.com (Unknown)0tag:blogger.com,1999:blog-8566757574668004451.post-9126532747303120981Tue, 16 Sep 2025 13:48:00 +00002025-09-16T09:48:54.407-04:00  Spreads on investment-grade bonds are at the lowest levels since 1998. pic.twitter.com/hCywFuDltc— Lisa Abramowicz (@lisaabramowicz1) September 16, 2025 Is it me or is all of this Nvidia, Coreweave, OpenAI, etc stuff just a circle jerk of companies buying from each other at inflated prices to push up each other's valuations then rinse and repeat? I'm not the smartest guy https://hartzman.blogspot.com/2025/09/economic-stuff.htmlnoreply@blogger.com (Unknown)0tag:blogger.com,1999:blog-8566757574668004451.post-2099103291163908845Fri, 18 Apr 2025 14:48:00 +00002025-04-19T08:57:36.784-04:00 We may be seeing early stages of tectonic shift in global investment flows, with dramatic decline in demand for U.S. assets from abroad (fastest-ever pace of U.S. equity selling by official sector in single month and largest monthly outflow of U.S. assets by private sector… pic.twitter.com/hlygxcZ0Zd— Liz Ann Sonders (@LizAnnSonders) April 3, 2025 200 years ago, this is what 95%https://hartzman.blogspot.com/2025/04/concerning-and-other-stuff-april-2025.htmlnoreply@blogger.com (Unknown)0tag:blogger.com,1999:blog-8566757574668004451.post-3274683621035029494Sun, 02 Mar 2025 14:12:00 +00002025-04-02T14:49:56.367-04:00  IF U.S. incomes spiked 69%, we'd return to pre-pandemic housing affordability levels IF U.S. home prices fell 41%, we'd return to pre-pandemic affordability IF mortgage rates fell 4.3 percentage points, we'd return to pre-pandemic affordability pic.twitter.com/p9SBMxzJ5F— Lance Lambert (@NewsLambert) April 1, 2025 UNC remains undefeated in games in which it scored morehttps://hartzman.blogspot.com/2025/03/concerning-and-other-stuff-tax-season.htmlnoreply@blogger.com (Unknown)0tag:blogger.com,1999:blog-8566757574668004451.post-8436056029668282105Mon, 27 Jan 2025 14:42:00 +00002025-01-27T10:43:00.033-05:00  Foreigners bought $76.5 Billion worth of U.S. Stocks over the last 3 months, the fastest pace in history! Historically, they unfortunately have had poor timing having bought right before the 1987 crash, the 2000 dot com bubble, and the 2008 global financial crisis 🚨 pic.twitter.com/UnF8RsGbTD— Barchart (@Barchart) January 27, 2025 Non-GAAP metrics should be excluded from SEC https://hartzman.blogspot.com/2025/01/concerning-and-other-stuff-january-end.htmlnoreply@blogger.com (Unknown)0tag:blogger.com,1999:blog-8566757574668004451.post-8896895883091047342Sat, 04 Jan 2025 17:33:00 +00002025-01-04T12:33:52.267-05:00  Global central bank liquidity... seems to be a rather significant divergence... pic.twitter.com/FPxdmchh0m— Michael J. Kramer (@MichaelMOTTCM) January 3, 2025 S&P 500 price-to-book ratio has now surpassed the peak of the Dot Com Bubble 🚨 Congrats everyone we did it 🫡🥳 pic.twitter.com/EcFsZxQg7o— Barchart (@Barchart) January 3, 2025 At least in the tech bubble, https://hartzman.blogspot.com/2025/01/concerning-and-other-stuff-january-2025.htmlnoreply@blogger.com (Unknown)0tag:blogger.com,1999:blog-8566757574668004451.post-4160532959149450586Tue, 17 Dec 2024 14:30:00 +00002024-12-17T09:30:25.596-05:00"For meditative purposes, what follows is a partial list of reckonings, which are presently lost in a state of suspended animation:Most call for smaller government, as long as their entitlement payments are not restricted.A majority distrusts the government, until the economy contracts and they need a federal bailout via a cheap interest refi.Everyone says they’re for free trade [lower prices], https://hartzman.blogspot.com/2024/12/edited.htmlnoreply@blogger.com (Unknown)0tag:blogger.com,1999:blog-8566757574668004451.post-8939441903485799857Sat, 14 Dec 2024 17:38:00 +00002024-12-14T12:38:52.098-05:00 ..."scheming" is precisely the kind of behavior that AI Cassandras have long predicted and warned about. In a pre-release review of OpenAI's o1 model this year, testers set a "strong goal" for the model and then presented it with "unambiguous evidence its given goal diverges from the goal of its developer/user." In those situations, they found that o1 "sometimes attempts to https://hartzman.blogspot.com/2024/12/chatbots-are-learning-to-lie.htmlnoreply@blogger.com (Unknown)0tag:blogger.com,1999:blog-8566757574668004451.post-2277968000521434272Fri, 13 Dec 2024 17:06:00 +00002024-12-13T12:06:04.989-05:00The Russell 2000 Index is comprised of the smallest 2000 companies in the Russell 3000 Index, representing approximately 8% of the Russell 3000 total market capitalization.@MichaelMOTTCMThe graph shows a clear disconnect between the price action of the Russell 2000 Index and the earnings estimates for 2024 and 2025.The earnings estimates for 2024 and 2025 are significantly lower than the index https://hartzman.blogspot.com/2024/12/the-russell-2000-and-earnings-estimates.htmlnoreply@blogger.com (Unknown)0tag:blogger.com,1999:blog-8566757574668004451.post-2381653720279120911Mon, 02 Dec 2024 22:21:00 +00002024-12-07T11:54:17.592-05:00It’s almost ironic that some interpret the recent shift in political leadership as a fresh chapter of American exceptionalism, when in reality, we have already experienced an extraordinarily extreme period. While this trend could persist for some time, it is difficult to argue… pic.twitter.com/TY0fb22etK— Otavio (Tavi) Costa (@TaviCosta) December 7, 2024 S&P 500 price to book https://hartzman.blogspot.com/2024/12/concerning-and-other-stuff-december-2024.htmlnoreply@blogger.com (Unknown)0tag:blogger.com,1999:blog-8566757574668004451.post-3713804551654578540Fri, 15 Nov 2024 16:11:00 +00002024-11-20T14:46:16.593-05:00  'Record numbers of US executives are selling shares in their companies. The ratio of insider sales-to-insider buys has hit a record high for any quarter in two decades.' https://t.co/w74DWELBIA pic.twitter.com/xBxVbrlRcK— Jesse Felder (@jessefelder) November 19, 2024 This chart tells a story that no one wants to think about...The visual speaks for itself, yet please know https://hartzman.blogspot.com/2024/11/post-election-concerning-stuff-november.htmlnoreply@blogger.com (Unknown)0tag:blogger.com,1999:blog-8566757574668004451.post-8684931023454714695Mon, 04 Nov 2024 14:56:00 +00002024-11-04T09:56:27.799-05:00Warren Buffett In 2024:1. Sold over $100 billion of Apple, $AAPL, stock2. Halted Berkshire Hathaway, $BRK, stock buybacks3. Built largest cash balance in company history, at $325 billion4. Holds a record $288 billion of US Treasury bills5. Now owns $93 billion more…— The Kobeissi Letter (@KobeissiLetter) November 2, 2024 "During the 2023–24 respiratory virus season, influenza https://hartzman.blogspot.com/2024/11/concerning-stuff-november-2024.htmlnoreply@blogger.com (Unknown)0tag:blogger.com,1999:blog-8566757574668004451.post-1940866823863760497Mon, 07 Oct 2024 15:25:00 +00002024-10-07T11:25:03.403-04:00Our present monetary and governmental policy diminishes our kids' future prosperity.— George Hartzman (@antzmrah) October 6, 2024 Our present monetary and governmental policy diminishes our kids' future prosperity.— George Hartzman (@antzmrah) October 6, 2024 You cannot do a kindness too soon, for you never know how soon it will be too late. - Ralph Waldo Emerson— https://hartzman.blogspot.com/2024/10/concerning-and-other-stuff-1072024.htmlnoreply@blogger.com (Unknown)0tag:blogger.com,1999:blog-8566757574668004451.post-1612232609748908509Fri, 13 Sep 2024 14:05:00 +00002024-09-13T10:05:22.628-04:00True. WHY the media chooses to lie about it is a travesty. Between corrupt “official” data and a tainted media, we may as well be living in the former Soviet bloc. https://t.co/sjKtAcyMyG— Danielle DiMartino Booth (@DiMartinoBooth) September 12, 2024 Notice how this chart from the Monthly Treasury Statement (created by the Treasury Dept. staff) is graphically misleading. They do show a https://hartzman.blogspot.com/2024/09/concerning-stuff-9132024.htmlnoreply@blogger.com (Unknown)0tag:blogger.com,1999:blog-8566757574668004451.post-93323455169270358Sat, 17 Aug 2024 15:29:00 +00002024-08-17T11:29:48.122-04:00"Central banks are hoarding gold faster than we've ever seen." https://t.co/J9XZM6jxsg via @dailychartbook pic.twitter.com/Rg9zR1EhiT— Jesse Felder (@jessefelder) August 17, 2024 University of Michigan Current Economic Conditions approaching the worst in index history (again) pic.twitter.com/nZuRFQxW6n— Frog Capital (@FrogNews) August 16, 2024 This is https://hartzman.blogspot.com/2024/08/concerning-stuff-81724.htmlnoreply@blogger.com (Unknown)0tag:blogger.com,1999:blog-8566757574668004451.post-3247928811467649558Wed, 07 Aug 2024 14:22:00 +00002024-08-07T10:22:50.654-04:00What exactly is the plan here?Seriously asking. pic.twitter.com/GBBP4jA5Ws— Genevieve Roch-Decter, CFA (@GRDecter) August 4, 2024 Chapter 11 Filings Reach Highest Level in More Than a Decade https://t.co/gIFa1LyCyD pic.twitter.com/piRKIWSbt9— Jesse Felder (@jessefelder) August 3, 2024 As interest rates crash 60+ basis points in a month, we are watching the housing market.For yearshttps://hartzman.blogspot.com/2024/08/concerning-stuff-08072024.htmlnoreply@blogger.com (Unknown)0tag:blogger.com,1999:blog-8566757574668004451.post-4308570630860706308Wed, 31 Jul 2024 17:43:00 +00002024-07-31T13:43:33.896-04:00Delinquency rates on Office building loans hit 8.11%, the highest in more than a decade 🚨 pic.twitter.com/vd4Wvwl9M7— Barchart (@Barchart) July 30, 2024 Businesses are warning investors that they are unable to pass on higher costs to consumers.= Consumers purchasing power is squeezed = Reduced demand = Consumers are becoming price-sensitive = Shrinking profit margins = lower earnings = https://hartzman.blogspot.com/2024/07/concerning-stuff-07312024-delinquency.htmlnoreply@blogger.com (Unknown)0tag:blogger.com,1999:blog-8566757574668004451.post-7654603253678685702Fri, 26 Jul 2024 16:26:00 +00002024-07-26T12:26:37.777-04:00BREAKING: US executives are dumping stocks at their fastest pace in at least 10 years.The percentage of publicly traded firms seeing net purchases from their officers and directors dropped to ~15%.To put this in perspective, the 10-year average of this metric is ~26%.After… pic.twitter.com/RQcieqfrQ7— The Kobeissi Letter (@KobeissiLetter) July 26, 2024 Durable Goods Nondefense aircraft https://hartzman.blogspot.com/2024/07/concerning-stuff-07262024-insider.htmlnoreply@blogger.com (Unknown)0tag:blogger.com,1999:blog-8566757574668004451.post-3679880741818714265Thu, 11 Jul 2024 11:06:00 +00002024-07-11T07:06:40.831-04:00Changes in the Federal Reserve’s policy can significantly impact interest rates.In a rising interest rate environment, the underlying bonds' market value decreases, creating a wider gap between book value (what clients see) and market values (the actual worth of the underlying… https://t.co/iNgbWMbuUJ— g (@antzmrah) July 8, 2024 Economic data have been quite poor relative to https://hartzman.blogspot.com/2024/07/stuff-7112024-stable-value-funds.htmlnoreply@blogger.com (Unknown)0tag:blogger.com,1999:blog-8566757574668004451.post-5268606848226602546Wed, 03 Jul 2024 14:41:00 +00002024-07-03T13:17:18.798-04:00New cycle low for business activity component in ISM Services Index as of June ... now at lowest since April 2020 pic.twitter.com/TYGcDQEM2S— Kevin Gordon (@KevRGordon) July 3, 2024 BREAKING: US new home inventory awaiting a buyer surged to 99,000, the highest level since 2009.In just 2 years the number of these homes has DOUBLED.This comes after single-family homes available for sale https://hartzman.blogspot.com/2024/07/stuff-july-3-2024-us-new-home-inventory.htmlnoreply@blogger.com (Unknown)0tag:blogger.com,1999:blog-8566757574668004451.post-4964429009007656068Sat, 22 Jun 2024 16:15:00 +00002024-06-22T12:15:49.017-04:00nVidia is in the same position as Sun Microsystems was in the early days of the dot-com bubble.Sun had the leading edge web servers, the smartest engineers, the most respect in the industry. If you were dot-com startup, you bought Sun servers. Smart engineers wouldn't come work…— Robert Graham 𝕏 (@ErrataRob) June 21, 2024 Lumber futures prices are falling hard this week, as it sinks https://hartzman.blogspot.com/2024/06/stuff-6222024-nvda-lumber-bankruptcies.htmlnoreply@blogger.com (Unknown)0tag:blogger.com,1999:blog-8566757574668004451.post-6070426250394345598Fri, 14 Jun 2024 15:15:00 +00002024-06-14T11:15:27.807-04:00US real disposable income pic.twitter.com/iYJ7wwBHvP— Tracy (𝒞𝒽𝒾 ) (@chigrl) June 2, 2024 The 10-year / 3-month curve has been inverted for 19 months, continuing an all-time record#MacroEdge pic.twitter.com/Km9W6hD8fG— MacroEdge (@MacroEdgeRes) May 31, 2024 What caused the Great Depression?.."The excess credit which the Fed pumped into the economy spilled over into the https://hartzman.blogspot.com/2024/06/links-06032024-disposable-income.htmlnoreply@blogger.com (Unknown)0tag:blogger.com,1999:blog-8566757574668004451.post-7333566977576117713Fri, 14 Jun 2024 15:09:00 +00002024-06-14T11:09:41.614-04:00 In 1999, after working at J. C. Bradford in Greensboro, North Carolina, George Hartzman, the son a Ph.D. Nuclear Engineer who taught him what a normal equity valuations were supposed to be for publicly traded stocks, found financial markets way out of whack.As the top of the stock market peaked in 2000 after the Y2K scare, George set up stop loss triggers in many of the most overstretched https://hartzman.blogspot.com/2023/09/the-big-short-hartzman-edition-some-of.htmlnoreply@blogger.com (Unknown)0tag:blogger.com,1999:blog-8566757574668004451.post-2283638732179440825Fri, 14 Jun 2024 15:03:00 +00002024-06-14T11:07:53.670-04:00Financial ConsultantGeorge HartzmanGeorge Hartzman began working as a Financial Advisor in 1993, taught CPA and attorney continuing education outlining the issues leading to 2007-9's economic upheaval before they occurred and has been an independent fiduciary since 2012.A fiduciary relationship requires an advisor to act in a client’s best interest.Objective; Leave others better off for my having existedHartzman Tax & https://hartzman.blogspot.com/2022/08/hartzmans-history_4.htmlnoreply@blogger.com (Unknown)tag:blogger.com,1999:blog-8566757574668004451.post-8963384882250182075Sun, 12 May 2024 17:49:00 +00002024-07-18T13:02:33.651-04:00Individual Certificates of Deposit (CDs) and Treasury bills/bonds are considered very low risk because they are usually backed by the Federal Deposit Insurance Corporation (FDIC), the Federal Reserve and/or the US Government. CDs and 'Treasuries' offer a fixed interest rate for the term of the deposit and the amount deposited will be returned at maturity along with the interest earned. https://hartzman.blogspot.com/2024/05/individual-cds-bonds-bond-funds-and.htmlnoreply@blogger.com (Unknown)0